Mich, If you are receiving Housing and/or Council Tax benefit and your mum moves in with you, she will be classed as a non dependant and this may mean that some of your rent/council tax entitlement may reduce by a couple of pound a week. You can phone your local council office to ask and they will confirm before you decide what to do.

Hi Dorsetgirl. If your daughter is in full time education and intends to return to full time education after the holidays then any money she earns will not be taken into account. HTH

Batty In simpler terms regarding a commercial let, the council will look at the way this has developed and have to consider the following: Was the tenancy created to take advantage of the benefit system? In their eyes you were quite happily living in your own property and someone has joined you...subsequently you have moved out (admittedly you thought you were doing the right thing to help her) and the girl is now trying to claim Housing Benefit (HB). The council will be looking at this that you have purposely moved out of the house to enable housing benefit to pay your mortgage. Even though in your eyes this is not the case, the onus is on you to prove this. There are also 2 stages of review at HB level. When the original decision is made you have the right to ask for a redetermination. If the redetermination is also denied you then have the right to appeal to an appeals tribunal. An appeals tribunal is an independant panel that look at the case. The claimant HAS the right to attend this tribunal so Im not sure which stage of appeal you got to. This is obviously a frustrating time for you but if you have no further joy at tribunal, I suggest ythe best way forward is for you to give notice to the girl to vacate your property. If she has nowhere to go, the council will have to house her but yes...initially it may be in a B&B until suitable alternative accomodation is available for her. Might not be what you want to hear but unfortunately HB is governed by strict regulations and any query of a claim must be looked into. I hope some of this info is of use to you and I wish you luck with it all.

Can anyone answer my question about stays please? When the bank applies for a stay, will the court automatically grant the stay or will they notify us of the request for the stay before granting, giving us time to submit our request against it. Does anyone know the process? Thanks

Lmao...you do run run run...you do run run!

I have a question.... What is the effect of the banks who have not signed an agreement with the OFT for this? Do they fall under the same rules or can we carry on as normal with these?

Can anyone tell me if the new POCs have been drafted due to OFT announcement or were they already in the process of being revised? Cheers

Excuses! Excuses! lmao! Were you under lock and key? lol

Hey Paint. Sent the bailiffs in and they have paid the money to the court. Just waiting for it to clear at the court before they forward the payment to me. Another vistory me thinks! Hows all yours going?

Lol Brad....we shall see if you are good....it will depend on whether you do actually send the letter TOMORROW! lol

Hey Doo Excellent news about the default etc. As for ther £100, I would keep on at them too, they will soon pay it me thinks. Well done for hanging in there so long x

LMAO @ Brad....I wondered why you kept delaying everything....you just wanted all the girlies to show their dominant sides lol

Well this is the question.... I sent 2 accounts to bailiffs, Halifax CC and Hbos CC, I served both against my local branch and only 1 of them was reissued to defendants Head Office...very strange! The one that wasnt, has now paid!

Hi, I sent the bailiffs in to Halifax, you do need to fill in N323 and pay £35 if the amount is under £125 and £55 if it's over. I tried contacting the halifax 1st and never got any joy. You will get the money back for the warrant so Id say, send em in as soon as you can, otherwise you will be waiting ages for payment.

Lmao....Doo you are gonna be sending a lot of PMs lol

Grrrrrrrrrr How frustrating! Got it thanks hun. Have replied. ***waves to Uk

Wooooohooooo....about time lol!

Hey Doo, Its all a little quiet in here. How is your claim going hun?

Thanks Ian, I understand that. Is that what the reg I quoted is saying? I dont think it makes that clear.

Thanks for responding. I think they are saying they are complying because Reg 7 says: every copy of the executed agreement shall include either an easily legible copy of the latest notice of variation given in accordance with Sect 82(1) of the Act relating to each discrete term of the agreement which has been varied or an easily legible statement of the terms of the agreement as varied in accordance with sect 82(1) of the Act. So what Im trying to get straight in my head is, are they saying every variation done should be sent as well as the original or can they get away with sending the variation providing it shows the parts that have varied...(if that makes sense...it does in my head lol) Well the ones they have sent have no dates on so I have no idea when they are from but the CCA must be recent as the charges are £12.00. Do you know what part of the regs say the T&C's must be from the original agreement please as I need to make sure I word this letter correctly. Thanks

Anyone any views on post 7572?

Hi folks, Just wondered if anyone had any opinions on the following: CCA request sent to Morgan Stanley, eventually they sent me T&C's with a varied CCA from 2006 (even though I opened the card in 2002). I wrote to them saying they havent fulfilled their obligation but have now had the following response: They have sent me a "true copy" and regulation 7 allows them to provide me with a "true copy" which sets out the terms and conditions current at the time of the provision. As the copy sent to me represents the present terms of my agreement, they have provided me with a copy of the executed agreement as prescribed by sect 78 of the Act. I have been looking at the regulations but it is not clear to me about the situation of variations. Does anyone know if they are right? Im sure I never signed anything when I opened the account so are they just trying to cover their backsides cos they cant supply the original? I want to get a reply off to them but obviously need to know what they should provide when there have been variations. Any advice greatly received.

lol, you definitely need to change that way of thinking! You are welcome, no worries. I find it always helps to have some support. Now if you dont post that prelim today there will be trouble! lol

Lol Uk and Brad. Nope not a teacher, a management consultant so that's probably where it comes from tee hee!

Lol Brad. Looks absolutely fine to me for a prelim...you can always go into a bit more details about the CCI in your LBA. Ive just subscribed to your Barclays thread...not that I have dealt with them but am happy to give you some moral support.....if not another kick up the butt! Now get it in the post!!!!!! TODAY!!!! lol