Setven4064, It is not your problem that they have a busy workload, tell them that the clocks ticking and they have to comply by Law. Did you send the SAR Recorded Delivery, if so check to see if it has been signed for?

no problem... your welcome

yes, I have had many CCJ,s one going back to 1993 and I am still paying it, but it does not appear on my Credit file anymore, thank god

Hi, It is 6 years from when a CCJ is registered with the CRA, If it is satisfied within the 6 year period I believe it still stays on your CRA file but state Satisfied.. Hope this helps

most DCA also will do anything to get you to pay...mine even claim that they issued a CCJ and I now have proof that they never issued a CCJ. I am now going to take them to court.

Ro55e, There is no pint in sending a CCA if a CCJ has been issued, due to the fact that the debt would have had to be proved when the CCJ was issued.

ODC, Please clear your PM's you have exceeded your stored private messages quot so popular is ODC

I wish my special friends would give me a call, the only problem is they do not appear to be working hard enough to find out my number.. The only thing they seem to be able to do is accuse me of having a CCJ which they have no documentary evidence........ (shame I have been paying them for 14 years) I hope they make a decision soon to take me to court, I could do with a day out.... keep going PO

Hi to all those following this thread, just received this reply from GPB today: Dear Madam Re: Next Retail Limited –v- Yourself Claim Number: 0032127208 Thank you for your letter of 25th June, the contents of which we note. Firstly, we apologise for an error contained in our letter of 15th May 2007. The N9A admission form was received on 26th October 1993 and not 2003. This, of course, is clearly a typographical error because, as we have pointed out, Judgment was granted by acceptance of your offer on November 1993. We note, therefore, that you were at XXXXXX Address “A” at the material time. We have given you as much information as is available to us now. After so many years during which time, on your own admission, you have been paying the debt, it is, in our view, totally unreasonable to seek details in respect of matters which are beyond dispute by virtue of your admission to the Court and subsequent payments. We have been able to obtain some brief statements from our Clients and we enclose copies for your information. You will note that the balance transferred to “debt agency” on the 20th July 1993 was £1,608.20. The agent in question was Intrum Justitia (you are their in house Solicitors) Limited to whom you paid £5.00 on the 13th August 1993. As a result of your failure to make further payments to Intrum Justitia Limited the matter was passed to ourselves for issue of the proceedings that we have referred to. Yours faithfully Geoffrey Parker Bourne The statements that they have sent are from Next only (3) of them 26th May 1993, 23rd June 1993 & 20th July 1993 they do have the address “A” that they keep referring to this was because I was living at address “A” I moved to address “B” in June 1993 the N9A admission form that was supposedly submitted by me in October 1993 had address “A” on, this would have been impossible as I moved from address “A” to address “B” in June 1993. I assume that by sending me the 3 Next statements which show address “A” they think that this is proof that I sent the N9A admissions form using this address which they have quoted in their letter dated May 15th . I am trying to find evidence that I actually moved to address “B” in June 1993 to shut them up. I should be able to ring the local authority housing and get this proof (I hope they will have records going back to 1993) Where do I go from here this case seems to be going round and round in circles…they have NO documentary evidence to prove there was ever a CCJ. Sending me Next statements are not evidence plus trying to claim that I lived at address "A" when I supposedly filled the the N9A admissions form. That would not be the case , as I would have quoted the correct address to which I was living at - at the time.

I was not aware that you can claim back the £10, elaborate please & how, I have a DCA that have and are still processing my Data Unlawfully, in fact they have been collecting a debt for 14 years & I had been paying them up until Feb....

shaniannie Thanks for the link, I have sent quite a few SAR before, but really wanted help with the wording as I do not want to miss anything out. Maybe someone will come along that will be able to give me a hand. Watch this space LOL

shaniannie I am going to send the SAR, can anyone give me a hand as to what to ask for, as I do not want to miss anything... thanks

Macboy, I have sent a SAR to the Halifax for a fraud issue on my account, not only have they not complied, but I did get a pathetic letter saying that manual intervention does not form part of their filing system.. I would also like to know if they have to give you this information....

I am happy to meet... I am 10 mins from Gatwick Airprot

shaniannie If my Insurance legal protection cover this.........then there would be no harm in getting legal advice, my guess that if I was covered and I did attempt to take them to court, i wonder how quick they would look at the case throughly. I will give my insurance company a ring on Monday and see if I am covered first...I will of course let you know.......maybe you have to go through the channels first as you say Adjudicator, then Ombudsman......worth a go though.

shaniannie actually I have legal protection on my house Insurance...LOL I am going to give them a ring and see if I am covered for this....If I am I am going to take them to court........I am not scared just annoyed that WFTC/IR can perform like this.....perhaps if I get to court then they will wake up and look at peoples disputes properly..... What do you think?

shaniannie Yes they had not taken anything to pay the overpayment back until April this year, I got the decision from the directors help line in May this year so from April they have been taking money back...but every award I receive i get the stupid letter stating that they are NOT taking any money... As said I will take it to court if I have too....I am not liable for this overpayment, any any normal person, if they did their job properly could see that. I wish I could fill in a N1 form and take them to court now for a full hearing LOL, we would then see how much of a failure they are.

shaniannie I have received a written letter from the Directors Help line stating that they believe the overpayment was my fault.... I will go all the way to court if i have to.......I already have the form to give to my MP so that I can go onto the Parliamentry Ombudsman..... This is the 2nd over payment that I have had since the introduced the system the 1st one they admitted it was their fault and the overpayment was written off about £3,000 if I can remember) I have quoted the CPO26 paragraphs where it is quite obvious that they are at fault.. below is the letter I sent with with all the telephone recordings to the Adjudicator, I did ring the Adjudicators office this week as they wrote for a contact number......I asked how long this would take to sort out as It took the Directors help line ONE YEAR to decide....and to my amazement they said that as my case is complex it could take another year....but if they were to read the case and listen to the telephone conversations then it would probably take a normal person not very long to see that they are at fault. Another issue I have is that I have must be 20 letters stating "while we are looking into your overpayment, you will receive your full entitlement, we will not deduct anything from your payments" Up until March I was receiving my full entitlement, but in April they took ALL of my months money and have been deducting money EVERY MONTH, when I questioned them about this I get no response.they are absolutely useless. I refer to your reference number of xxxxx I have now received a reply from HM Revenue & Customs regarding a dispute for an overpayment for the year 2005/2006 The reference on the letter is xxxxxx. I totally disagree with their decision as they believe that I was aware that I was being overpaid, first please read thoroughly the calls that clearly prove that HM Revenue & Customs are a fault. Below are just some of the points that show IR is to blame. I have always informed IR of any changes to my circumstances almost straight away, when I have spoken to the Directors Help line I always confirmed that they had the correct details and made it absolutely clear that I did not want to accept anything that I was not entitled too. Below are just some of the points that show that I was not to blame for the overpayment. 1) Entitlement seems to differ from letter with reference xxxxx to a call held with the Directors Help line on June 28th 2005 who claim that my entitlement was £3,500 yet the letter states £2,139.54 for the tax year 05/06 2) Adults Dependant Grant, I was told by the call centre on November 17th that I did NOT have to declare the xxxxx this is obviously some of the cause of the overpayment, because when I spoke to the call centre on May 23rd I was told that I SHOULD have been told that I had to DECLARE this amount. This was not my fault please refer to the booklet COP26 page 4 “you gave me the wrong advice” 3) April 2005 tried to give change of circumstances i.e. myself and my husband had now started work, was told that I could not give this information as there was a system error on my account, as there was this error I would not receive any awards until the system error had been cleared. This also was not my fault and refers to the booklet COP26 page 4 4) Most of the 2005/2006 year I received manual Giros and every occasion I made it clear that I did not want to receive anything that I was not entitled too. 5) No awards were received until the system error had been cleared, hence the reason I had to receive manual Giros, once the error had cleared the back log of awards arrived. The above are just a few points that show that I am not a fault for the overpayment, I would also bring your attention to how long it has taken IR to make a decision, I first disputed the overpayment in July 2006 (sent Special Delivery) it has taken them 11 months to make a decision I would like to bring your attention to the booklet COP1 page 5 “Payments for worry and distress” and “further mistakes or delays in dealing with your complaint” Please also note that in April I received NO money IR took all my entitlement to repay the overpayment which I find totally unacceptable as I have many letters that state “while we are looking into the overpayment YOU WILL receive your full entitlement” They have also continued to take money each month which they should not be doing. I have attached all the call logs from February 2005 to June 2006, should you require any further call logs please do not hesitate to contact me as I have all call logs to date. I look forward to your reply. Kind Regards nannamoon

We are in the process of selling and buying and have been told by our Solicitor that you do no have to have life cover it is optional... however we will be getting life cover, as I would hate to think I left hubby with the mortgage to pay. I personally think that you used to have to have life insurance but it appears it is optional now.

Shaniannie, but as you can see, how could I have checked my awards if there was a system error and did not generate the award, also I was told that I did not have to inform them of the Adult Dependants Grant, but yet I later find out that the call centre person should have told me otherwise.......Even the Directors Help line told me different things....as you can see so how am I at fault........ Out of interest what will the SAR achieve, to help prove that they are at fault? do they respond to the request,as they do not appear to respond to much else. Also the adjudicator is supposed to be Independent........

These people are a joke... I have an overpayment, due to a system error 2005/2006 tax year have a read of my telephone conversations...yes I type up every telephone conversation I have yet when I disputed the overpayment in 2006 I have just had a letter from the Directors help line 11 months later telling me that it was my fault, I have now gone to the adjudicator...anyone please have a read and let me have your views.... REASONS FOR YOU TO RECONSIDER THE OVERPAYMENT OF WFTC/CTC FOR THE YEAR 2005/2006 Mr & Mrs Nannamoon First and foremost I cannot believe that I am in a situation with an overpayment, I have always informed you within days of any change of circumstances. I find the system an absolute nightmare and find at times your call centre staff are totally inexperienced to deal with any basic enquiry, which I find most frustrating. February 2005: No payment received, was advised that there was a system error on my account and this was the reason for not receiving any payment, the system error will clear and the payments will resume. March 2005: No payment received despite when I called I had been promised a payment of £263.33. April 2005: No payment received. On Saturday 9th April between 8am-9am I called the call centre and spoke to a lady called Laura, I told her that myself and my husband had now commenced work, myself working for xxxxx earning xxxxxx started March 29th and would be working 16 hours per week, my husband working for xxxx earning xxxxx and working 17.5 hours per week. Laura informed me that when she attempted to input the changes the system would not accept them. Laura then asked me when my Husband left xxxxx. I asked Laura why did she need this information as I had already rang the call centre shortly after October 18th 2004 and told them that he had now left xxxx. Laura then went on to say that she could not update my file with the current changes (i.e. myself and my husband now working) as the computer had not updated or generated the changes that he had left xxxxx. I promptly replied that I had actually RECEIVED an award with the changes that my husband no longer worked for Sidlow. (Yet again I am being told wrong information) At this stage I asked to speak with a supervisor as all I wanted to do was inform WFTC that myself and my Husband had commenced work. I then spoke to Bev Hales who I explained the above situation to, Bev informed me that the reason I was unable to give them the information (i.e. myself and my husband commencing work) was that there was a change going through the system and that they are unable to input further changes until the last change had generated an award. I asked what this change was; Bev told me that it was a change that I had made in March that had not generated an award. I told Bev that I had rang a few times in March due to not receiving any payments and for information, but I had NOT made any changes as my circumstances had not changed. I went on to tell Bev that the last change I had made was in January 2005 when my Daughter went to live with her Dad. Bev went on to tell me that there was nothing she could do nor could she update my account until this March award/change had generated an award. I asked Bev what was this change in March, Bev replied that she was unable to tell me. I told Bev that this was totally unfair as 1) I had not made any changes in March 2) I was trying to inform WFTC of changes which they were unable to accept 3) I was being deprived of money that I was entitled to. Bev just replied with that she could not take the details from me as the system would not accept them. By this time I had been on the telephone for 46min. At the end of the conversation Bev told me that she would pass my details on to the Directors help line and I would receive a call within 5 working days. On April 22nd 2005 I called the call centre as no payment had been received and was told that a cheque for £333 was raised on April 21st and that I should be receiving it shortly. On April 27th I called and spoke to Eileen or Irene as still no payments, she informed me that there was still a system error on my account and to call back in a week’s time, and if things had not been sorted then I would be referred to the Directors Help Line. I received a Giro for £301.30 at the end of April but unfortunately this stated that it was for an underpayment for the year 04. Whilst I was pleased to receive a payment this was money that should have been paid when it was due. May 2005: Had various conversations with the call centre and the Directors Help Line to sort this situation out, when I spoke to either I continued to make it clear that under no circumstances did I want anything that I was not entitled to nor did I want an overpayment to occur. June 2005: On 28th June at approx 8.45am I received a call from the Directors Help Line and was told that my annual entitlement for the 2005-2006 year for WFTC and CTC would be £3,500 again I made it clear that I wanted to make sure that an overpayment did not occur. July 2005: On July 11th I rang the call centre to ask the progress i.e. has the system error been cleared on my account, I was told that the system error was still there and there was no progress. I asked the operator why on June 28th was told by the Directors Help Line that my annual entitlement for the 05-06 year was £3,500, yet I was about to receive a giro for £2,554.28 surely this was not correct. The operator replied “she did not know and she only worked at a call centre” October 2005: Approx during the last 2 weeks of October I rang the call centre to inform them that I had left xxxx on 3rd October and Started at xxxx on October 4th and would be working 16 hours and earning approx. xxxx November 2005: I rang the call centre to inform them that I would be increasing my hours from 16 hours to 24 hours which would mean my annual salary would now be xxxxx. November 2005: On November 17th I rang the call centre as my husband had received a letter on November 4th to say that he had been awarded an Adults Independent Grant of £2395, I asked the operator if I had to tell them about this amount as I was unsure and did not want to receive any payments that I was not entitled to nor did I want an overpayment to occur. The operator told me that I did not need to inform them about the grant, I asked her on several occasions “are you sure” she replied “yes” you do not need to inform us. May 2006: I received my annual review pack, I called the call centre on May 23rd to give the 2005-2006 final figures for myself and my husband and asked about the Adults Dependant Grant again as I wanted to make sure I had been told the correct information in November (i.e. that I did not have to inform you). I was told that I should have declared the Adults Independent Grant, I informed the operator what I had been told on November 17th 2005 and she told me that I had been told incorrect information and that I was not to blame. June 2006: On June 8th I called the call centre to inform them that my husband had left xxxx and was no longer working, but I did tell the operator that he would be commencing a placement in September. I was advised that although he was not going to be working until September his annual salary would remain on the system as this would help to stop any kind of overpayment. I was also informed that the payments would continue at the exact amount of £62.25 every 4 weeks, yet I received a payment in June of £29.52, yet I was told on June 8th that the payments would remain the same (£62.25). June 2006: On June 30th I called the call centre to ask why the payment amounts had changed I was told because I had received an overpayment, I explained what I had been told on June 8th that my payments would remain the same even though I was the only one working and that I had received an award with a overpayment of £2893.47, of which £230 was being deducted this current tax year, which would leave a balance of £2663.30 owing at the end of tax year April 2006. The operator replied that an amended award had been sent out to me on June 26th showing that the overpayment was more. Please tell me how after I had given the final figures for 2005-2006 and received the Tax Credits award with the correct figures earned for last year and the correct estimated figures for this year and the amount of overpayment, yet I am now being told that between May 25th when the Award was issued and June 26th the overpayment has increased yet the only change made has been that my husband is no longer working. As you can see from the above, I have been told wrong information time and time again, I had not been able to give changes despite trying several times as I had been told that the computer system would not allow any changes to be made. Even in this current year I have been told different information and we are only in July. I feel that I am not at fault for any overpayment that has occurred during the year 2005-2006. The amount of phones calls made to the call centre is unbelievable; as the number is a 0845 I have been charged which has proved to be very costly. Mr & Mrs nannamoon I have typed up every conversation, to date the above is only regarding the dispute for 05/06....you have to for your own records....where do I send the S.A.R - (Subject Access Request) request?

Dan, You could contact the CRA, and explain that they have the correct name but the wrong address on a linked address. You can also contact your local authority & explain that they have you registered at the wrong address. I am sure if you can prove the error, they should be able to correct it.

Hi, Anyone have the address of Sam Laidlaw Chief Executicw, I need to complain, I have a homeplan agreement whereby they are supposed to service the boiler yearly, and they have always been late by 2/3 months. I am going to ask them to refund the difference, plus compensation for breaching their agreement.

Perseus Thank you for adapting the letter, I will get it sent off in the next day or so, and lets see how they respond to this....The address cock up is a great ace up my sleeve although I have only just noticed it myself...

ODC The S.A.R - (Subject Access Request) reply from IJ does say last payment received 1993 but then it states "handed over to legal department for non payment" So I do not think I can quote this, as there will be proof that I have been paying since 1993. I think I have got them Yipppeee in their reply letter dated May 16th it quotes: In respect of supplying Court details and documents, we received your N9A admissions form with an offer of £4.00 per month on 26th October 2003, thus Judgment been granted by acceptance. Your current address at the time was XXXX Full details of Court Judgment are as follows: I have just looked at the address that they have quoted and believe it or not its not the address that we were living at when this supposedly CCJ was issued... The address they have quoted we moved from in June 2003, the supposedly CCJ was issued in November 2003 but they are quoting the wrong address..and as I apparently agreed to the CCJ then I would have used the correct address. Can we add this into the letter above, as they obviously have no records at all...what a bunch of Idiots. I am glad I looked over the letters