Hi, I have had an offer letter 2day from crap 1 for the full amount I am claiming, but I want to know how they will pay the funds as I have an account with them but due to these charges (solely) it was closed and sent to a debt collection agency, so I need to know where this money is going as I need to pro rota my payments to my other creditors. The letter syas due to the oft they will pay my claim of £390.72. and then the usual blarb, but there is no form to sighn or a phone number so I can tell them to pay me (I know they may still credit it to my credit card) but then they would be giving themselve prefrence as a creditor and they cant really due that according to the oft, and if they do then I have to do another complaint with the oft. so my question is does any1 know a decent phone no 4 crap one, a dept that deals with refunds of charges, as I have phoned the mail line and got through to someone who didn't know anything about this, and said there were no notes or refund claims on my account (which is wrong)! please help! Many thanks Helen

Hi, Yeah its confusing, but I think I'll leave it! if I go bankrupt tho, can I still claim charges, say in a few years? obviously depending what happens with this test case etc etc... but in theory? Thanks Again, Helen

Hi, Yeah I think your right, but I have phoned the oft, who say that they can put a complaint in, as I am on a debt management plan, this is classed as money coming to me, so it should be distributed equally among my creditors? any way I have issued a complaint with the oft, so I'll have to see what hapens, but I think they'll keep my money, is there any pont claiming the rest of my claims as I am debt with all of them, and to be honest I dont really care about reducing my debt as they are too high and my only option is bankruptcy, any help? Many thanks Helen

Hi, I have received an offer for the full amount of my credit card charges, problem is they will only refund to my credit card which is in defalut and closed, with me paying a fixed arrangement, I really need the money for living expenses as I am on benefit after losing my job due to a disabilty, I also need the money for my bankruptcy, all my other creditors have paid direct to me via cheque, should I pursue this money through the courts, or do they have the right to pay it to my credit card, if they can just credit it to my card there is no point me pursuing anymore charges, as eventually I will be going bankrupt so there is no point my debts being reduced by my charges, my debts are so high, its like a drop in the ocean! and to be honest the whole effort of the paper work etc is too much if this happens. So my question is there any way I can get the money/offer or does it have to go on to my defaulted credit card, or if I pursue it through the courts will I get my money? Thanks Helen

Hi, After some digging I have found out that the buyer's instant transfer was reversed by his bank, I didn't know this could happen, this is all the info i have managed to find out so far, I have emailed the buyer and asked whats going on but so far no reply, what should I do now, paypal say I must clear the negative balance, and look into seller protection, as the transaction was protected for whatever that means, please help I dont really know what to do, and paypal aren't being that helpful.

Hi, Thanks for the quick reply, I thought as much, will get writing! here we go again!

Hi, I have just logged on to paypal to find my account in a negative situation, I sold an item on ebay for £200, back in January, I have posted it and everythings been fine, the buyer has left positive feddback, but paypal are saying the money was chargedback, so they took the money from me, they cant tell me why it was charged back, but want me to pay this debt, why should I pay it? what have I done wrong? Im seeing if I am eligible for seller protection but really dont know what to do, I have quite a few listings on ebay which are ending soon, if the money goes to my account then I've lost that too, what can I do? can I open a new paypal account, to still use ebay, and shall I cancel all my otems for sale so paypal doesnt get the rest of my money, please help I dont know what to do, also can I go to the police about this, as paypal did not inform me about taking my money, they just took it. Helen

Hi! I have already had a victory against lloyds, but due to me losing my job/ being in hospital etc etc I have yet again gone overdrawn, I think this may be a new record, in 2 months I have incurred £740 in charges! I have asked them for help, but to no avail, my question is do I start from where I left off? ie I got my payment in June 2007, all my new charges have happend sine 01.01.2008 and 01.02.08, so do I just incluide these charges and start again? also I heard that people in finacial difficulty can push their claims through quicker has anyone got any info on this and what do I need to do? Thanks again! Helen

Hi, I took your advice, I phoned work and my union, work said that they cannot hold my job indefinatly as no one knows when I'll get better, I said that the consultant is looking in to it, the worse case senario is I need an op, which means I'll need aprx another 6 months off max, unfortunatly Im on the nhs and there are waiting lists, but I could come back part time until my op, when I am better from my car crash, he said that I would still need time off, and would be fired due to unsatisfactory absence when I go for my op, or if indeed just have more than 8 bad days, he said i would be best reapplying when Im a 100% Im always going to have arthritis and therefore will always have bad days, so I asked him, if he was saying that ppl with disabilities such as asthma/arthritis should not work, he said no, but there would be no point me returning to work yet when I will need time off, I spoke to my union, who say that as I was still temp when I went for my operation, its like Ileft the job then, and reapplied like a job seeker, the thing is you wouldn't employ a job seeker who was ill, and you wouldnt hold the job open for them indefinatly, and would only employ them when ther are fit and healthy, or could provide medical proof I will not need time off for my illness or diability, which I can't my doctors says there is a high chance of needing more operations, then follow ups and there are so many varibles etc etc. so where does that leave me, basically no ones ever going to want to employ me, I am so peed off whe I hear the news and dwp saying employers must make allowances for people like me but then tells me to basically get lost, what I am ment to do? and it doesnt help that due to this car accident I have a cracked pelvis, thankfully it should heal with rest, but I cant as I always having to sort stupid things out all the time and Im stressing myself out now! Does any one think I should take my employment case further, again the points are, I was temp (there 6 months) my contract was due to go to permenant on the 31/10/2007, but I had an operation on the 15/09/2007, which took me off sick, so they told me they would hold the position until I recoverd, and I would go back as a permenant member of staff, was getting better, but then told I would need a nose op (not related to disability) told by work, will get the sack if I come back then have to have time off to get better, then hip started to play up, told would likely need an op, work said you need to be better before coming back, then this week 27.01.2008, had a car accident, told by work they cannot hold postion for any longer, so I would have to reapply for another job when 1 is available, I have not been getting sick pay from dwp since 30/09/2007, I have been claiming incapacity.income supp. arrrrrrrrrhhhhhhhhh! Any help or advice would be so appreciated!

Hi, Thanks very much, I dont really know anything at the mo, work are treating it as a sickness even tho I shown them I am register'd disabled, all I've been told is that it is unecomnomical for them to keep my job open or let me go back to work, I look forward to any info you might be able to find out and I'll have a look through the other forums. Thanks again.

Hi, Another update! my old job at the job centre (dwp) phoned me today, with the results of the ocupational health advisor meeting I had about my fittness to work, or going back to work, they said I am not fit to work at the moment due to illness and also this would require me to take too much time off work for appts etc, also with my illness as it is I am at a high risk of needing a lot of days sick, thus they can no longer hold my position open, and if I want my job back I will have to reapply again when they are recruiting! I have included this in my ib form to incapacity, but what these idiots dont understand is they make and tell disabled or sick ppl to go back to work, you get a job then you have time off sick (8 days for the dwp) then you get put on disiplinary and treated like crap by the employer, thus resulting in more illnesses like depresion, then you get fired, this has happened 4 times to me now, and employers like the dwp doing this too what hope do we have? if I was go even start looking for a job I can bet you one of the questions I would be asked is 'y did you get fired?' reply I was sick, question how is your health now? answer not good question are you likely to need time off with this answer yes..... reply in post... thankyou for showing and intrest, but I am sorry to inform you you were unsucessful! words can't expressed how appaled I am with this system.... equality and all that, it discrimination!

Hi, Just an update to you all, I am now going for the all work test, the dwp who were holding my job open have now terminated me, i had a medical with the dwp occupational heath advisor who has said I am unfit for work! but now I have to see another dwp doctor, so it'll be interesting to see what they say? but I have just been involved in a car crash yesterday and dislocated my hip and did my knee in again, so I dunno, its one thing after another, and to top it off just had another creditor take me to court with a ccj, here we go again!

Hi, again thanks for the advice, my mum knows only to answer the door to people we know, but I have heard on the news when some debt collection agencys just push through, and the police dont know what to do, btu i was thinking, as it isnt my property and my stuff technically belongs to my mum, if they were to take anything then its theft, surely? and then again if they were to forcebly gain entry you could accidently try to protect yourself and belongings? I know you shouldn't say that but Im sorry I would protect my house and belongings!

Sounds about right for them!! stupid banks!! I dont think they no what their doing!! it would just be so much easier if they didnt charge, one of my d/d's was for £35.02, they bounced it, then charged £35.00, point? that really bigs me!!

Hi, Brilliant!! the people at the post were giving me some funny looks! talk about making them work!! but at least I will have some more letters to send! I cant wait to send the harrassment letter! as I'm sure they wont be rud and discriminate by letter, but then again with these morons I think anythings possible! I hope their mothers are proud of them, you can imagine 'oh son/daughter what do you do for a job...?' 'oh I harrass people for a living, by being a total twit'.... 'oh......' sorry still fuming!!

Hi, Thanks for the advice, I managed to get through to someone at the branch and even she didnt know what was going on!! she said it looked as through the d/d's were paid, but not recalled, so the d/d's will be paid, but then recalled from the company!! but she doesn't know! then someone at 'phone banking said they wouldn't have been paid! they wont refund the charges so here I go! another claim..............!!!

Hi, They've just phoned again that 4 times today now, I assume 2 calls for each account, I hung up so now they keep leaving vioce mails, which costs me money to retrive, and all they say is my ref number then hang up, I know its them as its their ref number! how can I stop this, will the letter actually stop them? and has anyone got any info on call burner/skype? I've confused myself! does call burner work for mobiles?

Hi, Thanks again, I think I'd better get writing! I hope some good comes of it.

Hi, Yeah your right, I just dont want them sending 'people' round not baliffs but the ones that do what the people do over the phone ie 'try and come to some arrangement', you see my mum would answer the door, tho she knows not to let anyone in, I dont want them harrassing or upsetting her, I know they shouldn't or cant but then they shouldn't be allowed to say what they did on the phone so thats what worries me. I dont know if that would happen tho?!

Hi, Thanks agian, and thanks for telling me to type my name, had just signed the letter, my mum is going to pay for the sar, should be intersting reading! just had another creditor ring me whos a new one so I'll do the same with them!! I just think it terrible how they treat ppl, I have 38 creditors and all but these idiots and another company called morecroft are ok, I dont know what their problem is, I know they have a job to do, but still... you cant get blood out of a stone! I just wish there was a way of complaining and getting something done about this company, as what she said to me was really hurtful, I mean I didn't choose to be disabled and not work, I wish these ppl would just go away! In regards to the telephone calls if I dont talk to them wont they just get worse with me? I respond to their letters but they dont write back, they ring back, so what do I do, ignore them? the cab and cccs say its best to let it go to a ccj, as it will stop their hassel and a court wont make me pay more than I can afford, do any of you think thats the best idea? Many thanks again Helen

Hi, Thats good info, I will write a letter today, I have had letters from them saying I need to pay, they'll start a litigation blah blah, but never any proof they own the debts, if they dont reply, who do I send my token payments to, or should I just hold fire until I know whats happening?

Hi, I have had a phone call from a debt collection agency called 1st credit, they are dealing with 2 accounts 1 money shop and 1 barclaycard, both debts over £750.00 I have sent them an income exp sheet from the cccs, with an offer of £2.00 (I am disabled and on benefits) I then got a phone call from someone called 'Sam' who said that she would send the balifs round, and take me to court where i judge ould make me pay £60.00 a month to both accounts, as she feels I could afford this which I cant as I only get £72.50 a week to live on! she said I should get someone to give me the money to pay the debt, or I should get a job and stop being lazy and using my disability as an excuse! (thats word for word) I said the courts would go on what I could afford not what 1st credit want she then said I was wrong and if they couldnt get the money baliffs would come, again I know this to be untrue, I explained to her that I live with my parents and they own everything (my mum buys all my stuff and the receipts are in her name) so if baliffs came there isnt anything for them to take, her response was 'they'll take your parents things so ask them to pay your debt' I again told her they cant do that to which she replied 'screw you then, just wait and see' to which she hung up! I phoned and asked to speak to a manager and the reply was the same, he said that my offer was stupid and how did I expect to pay, I explained I am saving up for bankruptcy and once I have the money thats what I intend to do, his reply was 'I'll take it to court' then hung up! What do I do, shall I send my £2.00 payments still, they said not to bother, and when it goes for a ccj will the courts make me pay £60 or more, Im sure they cant but I am worried, also is there any way to complain about how I was treated? unfortunatly I did not record the call as I do not have the equitment but i did write it down. please Help. Helen

Hi, 2 Days ago I had 3 direct debits leave my account, I had a cheque clearing on the account, but not enough funds to cover the direct debits, as I was away and didnt have access to the internet or phone, I could not check my balance, and even if I could there are no yorkshire banks anywhere near me to pay the money in, anyway when I got home yesterday I checked my account online, all was well, they'd paid the direct debits and my cheque had cleared leaving me in credit, I have again checked my balance this morning to find that my account has been credited with the thre amounts of the direct debits from 2 days ago and I have been charged £105 in charges (the charges do not say they are unpaid d/d, like the other ones do, they just say 'advised charge' 3 x £35) I thought d/d's would be returned the same day, so have these d/d's been paid and where will they get the money from thats been creditord to my account today?, I have phoned the bank and they cannot give me any information as they dont understand whats happened, what should I do can I claim back these charges in the same way you do for unpaid item, and what would happen to the d/d's that say they have been paid? Any help would be great! Helen

Hi, I would just like a bit of advice. I was working in a section of the job centre (dwp) in a call centre, but due to ongoing ill health and disabilities they have ended my contract as I need too much time off for operations, appointments and the like, I have put in a claim for incapacity which was accepted, then stopped and moved to income support, the problem is they keep stopping my benefit, as I have to send in sick notes, my doctor will only write one before the other sick note is about to expire there has never been a break in my sick notes ie if 1 expires on the 31st they have the next one by the 1st, but they say they need it aprx 1/2 weeks in advance, or they stop my benefits, obviously this is getting very annoying, as I have 70k worth of debt and I cant pay them regually, also I keep having to have these 'back to work' interviews, which I understand why, but they fired me so who would want to employ me if they (dwp) wont as my health is continuing to get worse, I would love to go back to work but this is my 4th job now where I have been fired due to my diability (un sustainable abscence) I have had unions involved but nothing can stop me getting my p45, and obviously this is now making me depressed on top of all my other conditions, so to sum it up my questions are: 1) Can the dwp keep stopping my benefits when as I see it there are no breaks or delays in them receiving my sick notes? 2) Do I have to keep doing these all works tests? at the moment 1 a month as its starting to make me ill 3) Do I have any rights as a disabled person? 4) My creditors will have no choice but to go to ccjs soon whats my best course of action, I already have 4 @£1.00 each, shall I do that with the rest, or would bankruptcy be the best option, if so I cant afford the bancruptcy, does any1 know of any help available? Kind regards Helen

Hi, its been over a week now since barclays were struck for not submitting a defence, and I still havent heard any thing from them, ie no cheque, I know I have to give them more time, but how long and what happens next if they dont pay up? should I give them a call? pls help. helen