My Aunt died aged 94 in hospital from Alzheimers which she had for over 10 years during which time she never left her home . I and my father,(her brother) cared for her. I was executor and it was apparent that over the past few years there had been withdrawals of large sums of money from her bank : £13,000 £5000 £6000 etc a total of £75,000 in 6 years. Her outgoings were very small, under £300 per month. I bought clothes, food etc. There was no POA. The bank refused to state who had withdrawn these amounts but when my father died aged 92 two years ago it was apparent from his bank statements that he had been responsible for these withdrawals. The financial Ombudsman has been no use . The bank stated that they phoned my aunt and she agreed the withdrawals . Their security check was that she knew her telephone number and that they 'recognised her accent'. My Aunt didn't even know what year it was and was not capable of giving her permission . As she had never left her home in 10 years I don't understand how anyone from the bank could recognise her accent. The bank are refusing to acknowledge their mistake or to recompense . I now need to know if I can claim back this money from my father's estate or how difficult would it be to take the bank to Court? Thank you for any input.

Hi everyone. First time for me posting so be gentle. I have read this thread with interest as I've just been time barred for my packaged account complaint by the bank and FOS as they say the bank has told them they "would have" sent me 'refresher packs' in July 2009 and March 2010 so I should have complained within 3 years from then. My complaint is that they upgraded my account without my knowledge in 2003 and at a time when I was in financial difficulty and would not knowingly pay more in bank charges. I'm keen to know what is a CCL letter that is mentioned earlier in this thread? Thanks

General question - if you hold a joint account, and one of the account holders dies, how much of the joint account would be considered part of the deceased's estate, for Inheritance Tax purposes? Example 1 Husband and wife have a joint account of £100,000; husband dies. Is £50,000 considered part of his estate, and the other £50,00 considered as just a part of the wife's assets? Example 2 Husband, wife and two adult offspring have a joint account of £100,000; husband dies. Is £25,000 considered part of his estate, and £25,000 considered part of each of the 3 dependants' assets?

Good Day I would like to ask for help please I am in contact with our friends from Lowells ref an alleged mobile phone debt. I was bombarded with letters stating that they had bought the debt and that I owed more than £450. Now I did have a 3 mobile account, it was terminated quite properly in March 2014. Payments, were made by direct debit and there was no outstanding airtime balance or early termination fee. I finally got tired of Lowell, so sent them a templated 'Prove It'. They responded that collection activity on my Panther account had been suspended. Panther is an EE/Orange tariff. I have never had an. EE/Orange contract Today I received the 'Prove It' response. The alleged proof, all they sent, is my FINAL BILL for £76.08 twice my monthly payment. I guess that as a final bill, the last 2 months are charged as such accounts are billed in arrears. No issues with that. No mention of anything else. On the FAQ sheet, rear of the letter it states "The original creditor has only been able to provide the enclosed statements" However, they also claim that they are entitled to claim Early Termination Charges which may not appear in statements. I have never received notification from either 3 or Lovells regarding assignment of the alleged debt. I paid the last bill a few days late as I was working abroad, but that was never challenged. It should have gone through by direct debit, but I had changed my account details after changing jobs. I notified 3 of this and they replied that the final bill could be paid via Giro Credit. They even sent me a slip. This was paid accordingly. I have records. I am happy to do battle with this parcel of rogues, but I don't want a sneaky CCJ. Is this a fishing trip? Can they tack on charges not covered in a final bill? Any pointers would be welcome. Thank you.

I was going to check on my insurance with Lifestyle Services Group [set up through Barclays account]. Firstly when I went onto Lifestyle Services Group login website it didn't recognize my login credentials, then when I wanted recover password [in case I forgot] it didn't know my login [e-mail] at all! Then when I attempted to recover account by providing bank sort code and account number - it claimed it never was set-up! [same account whole life] When I called them they can see that I had my old phone insured trough Barclays but no sign of new phone insurance. Only that I have had cancelled old phone insurance. In fact I had not cancelled insurance - only updated with new phone. But - well - Lifestyle Services Group can not say it is true. Called Barclays - they even say I couldn't have any free insurance on mobile handset because there was never any free insurance. In fact there was. I have set up this kind of insurance to my wife's phone and she have a written confirmation of the policy. She had policy for an old phone and recently [June 2013] on a new one - after updating phone details on the policy [she couldn't log in on the website neither]. When Barclay guy said I didn't have any policy - and there never was free, I got my wife on the phone, then I asked him about where hers policy is coming from and why this one was free? He didn't know - there was nothing on a system. Not information about policy nor there was any debit from account that would pay for some extended cover OR premium Barclays account Help.

I've had a letter from Cabot for an old barclaycard I took out last century, and have been paying a small nominal amount since I left my previous job. What does prescribed terms mean? I also read elsewhere, asking for a copy of the CCA was an admission the debt was correct, is this true? I was considering asking them for this, as currently I am off work recovering from a serious illness and really do not want the stress of this. They have also credit searched me recently, I'm pretty sure that's not legal as I have certainly never given them permission to do so.

Hi there, Can anyone help me, I have recently been going through some old paperwork whilst clearing out and have found some statements from credit accounts I had. These were paid off earlier this year after a lengthy repayment period however I do recall questioning the charges once before on the phone. One of these accounts was with Studio/Express Gifts. I have found a thread on here from 2007 but was looking for some up-to date information about reclaiming charges. The Default sum on this account was £20 a time, and I recall that there were many of these placed on my account over a 5 year period which ended in the account being handed over to debt collection as I was unable to pay the arrears. the account was eventually frozen before the balance was cleared but I still maintain that the balance was mainly created through charges and not the original purchases. I also have accounts with New Look, Simply Be and Marisota with similar issues. Any help or advice anyone could give would be great appreciated.

Went to the local Post Office today to pay in the cash I have received from items I recently sold on Ebay. They refused to allow me to put the money in my Santander bank account due to the laws on money laundering. They said if they took the cash and credited my account, then my account would be frozen pending an investigation on where the money came from. I don't have receipts because the buyers of my items paid cash on collection. I give up with this crazy country. Paying the cash in would result in my account being frozen until I prove where the money came from. Having my account frozen would prevent me from being able to access my pension. Not having receipts from the items I sold on Ebay implies that my bank account would be frozen for ever I would loose my pension and have nothing to live on. Who brought in these stupid laws that assume honest people who sell honestly obtained second hand items are drug dealers?

The fun never stops eh? Although this is on behalf of a relative, not me this time. As succinct as I can keep it: 1) Relative joins nPower January 2013 shortly after moving to a new property 2) Meter readings provided - nPower setup a monthly direct debit for £65 (dual fuel) 3) Relative became aware in June '13 that account had been setup incorrectly. Relative was only being billed for electric. 4) Took a couple of days to sort and more than one phone call, but a new direct debit of £90 was setup. This included the arrears as a result of nPower's mistake. 5) In September '13, relative had some maintenance work carried out on electricity supply. Discovered during this that they were still only being billed for electricity (although direct debit of £90.00 was being sent every month). 6) Relative was eventually told by nPower that there was a serious error with their account and the issue would be escalated. Was promised a return call - this did not happen. 7) Relative called nPower in December '13 as had still not heard anything. Was advised account issue still remained unresolved, and also that the account itself was showing as circa £300 in credit, plus a direct debit/dual fuel discount on top of this. 8) No return call from nPower. Relative phoned again - was advised complaints team were handling it and would get in touch the same day. This never happened. 9) Towards the end of December '13, relative phoned nPower to inform they would be switching to another provided because she was unhappy with their poor service. 10) Relative switched to another provider in January 2014, more or less 12 months after joining nPower. 11) Relative heard nothing more from nPower until April '14; they received two reminder letters from nPower for a combined total of circa £800. One letter was for gas, one for electric. 12) Relative spoke to nPower; disputed the sum and was advised that a full breakdown of charges, payments and usage would be sent in post (they initially refused to send this unless a letter was sent in, although they eventually changed their tune). 13) Relative contacted nPower again (need to check date but think June '14). Was advised this issue would be escalated to the executive complaints team. Was also advised more reminders would be generated automatically and that they could safely be ignored until the complaint was resolved. 14) Relative began to receive (what they presumed to be) nuisance calls that were essentially just prerecorded messages. As it turned out, these two companies (Westcot and Pastdue) were actually two separate debt collection agencies instructed by nPower; each sent a letter in September '14. Interestingly, some of the information printed on one of the letters was also incorrect (e.g. account number) 15) Realising now the earlier advice of nPower to ignore payment reminders was false/incorrect, a letter was sent to each of these DCA's stating the account was in dispute. A statement was also made regarding OFT debt collection guidance (unfair to pursue when in dispute). For good measure, Westcot had their implied right of access to the property withdrawn (as they had stated they would visit the property to collect payment). Relative also filed a complaint with the ombudsman around this time. 16) Pastdue wrote back to relative confirming they had received letter. Stated that account had been placed on hold and they would try and obtain invoice showing full breakdown of balance. No further correspondence received from these guys. 17) Westcot also wrote back. Merely stated the balance, that it related to the electricity supply and provided a billing period (which was seriously incorrect!). Stated they looked forward to receiving payment within 14 days. They have started phoning relative daily once again. 18) Ombudsman rejected complaint, stating that the date from the original issue was too far back for them to investigate. However, did advise that if relative obtained a deadlock letter from nPower they can then investigate. 19) Relative wrote to nPower towards the end of October '14. This outlined the dispute, a summary of the (in)action so far and a request for a deadlock letter. Sent recorded delivery, confirmed delivered, no response so far. 20) Relative wrote another letter to nPower last week (similar to above). Sent recorded, not showing as delivered yet. Considering resending later today if not arrived. --- Other misc. information: - Relative has log burning stoves and only uses anywhere from £6-10 a month in gas for hot water. No heating of any kind (excluding hot water of course) is necessary from ~March to ~September due to property being extremely well-insulated. - Current electricity consumption averages about £45.00 a month. - nPower is instructing two separate debt collection agencies to collect a portion of the "debt" even though the account was dual fuel. As per Citizen's Advice regarding harassment from creditors: "Using more than one debt collector at a time to chase you for payment" - so does this count? - Relative has been diagnosed with depression and anxiety. Self representation is unlikely to go down well. - Relative has sadly not recorded all phone calls. They have however, kept detailed notes, dates and times of each phone call with nPower - including the person they spoke to. --- Next steps: Should relative: a) Just keep sending letters to nPower at £1.72 a pop until they hopefully provide the information? b) Send a final LBA to nPower detailing the harassment (if applicable), filing a small claim if ignored? c) Wait for nPower to take relative to court (if ever) and potentially claim on legal cover provided by house insurance for representation? d) Something else? Personally, given the chain of events, problems with the account and overall billing issues nPower has had recently, it would sound like they are physically unable to account for the money they are demanding. Who knows.

Hi tony http://www.consumeractiongroup.co.uk/forum/showthread.php?384453-Clydesdale-bank-preference-account-fees-reclaiming&p=4962977#post4962977 I had a Principal Account from 2000 to 2008 when it was abruptly ended by the bank. My experiences sound very similar to yours. I too had a £15,000 overdraft facility and was being charged £50 per month for services on the account. I am currently pursuing the bank on several issues, however they cannot give me any info about the earning threshold that was required to qualify for the account, or who signed the papers to authorise the opening of the account. I would be interested to hear from you to compare notes. Regards Steve

Hi folks, How do I go about reclaiming packaged bank account charges? is there a letter template I can use? The bank in question is Ulster Bank. My account is a U-First account and the monthly payment was £9,99. How do I go about reclaiming please? I would appreciate your help. Regards, Johan

Financial firms delivered fair outcomes in just 44 percent of complaints about mis-sold packaged bank accounts, the Financial Conduct Authority (FCA) has announced. The FCA published findings from its thematic review of packaged bank accounts on October 20. It said firms are “well below the required standards” when it comes to complaint handling. Less than 50 percent of these mis-sold packaged bank account complaints being dealt with resulted with a fair outcome, the regulator said. http://creditstrategy.co.uk/article/18545/online-news/financial-services-failing-on-packaged-bank-account-complaints

Hi Experts, Please advise on the matter. Barclays have closed my current account without giving any reason. I was holding the account since 2008 and it was in satisfactory condition, never used any overdraft, always in credit. Also have barclay credit card. I was not using current account on regular basis as it wasn't my main account. 2 weeks ago I sold my cars due to investing money somewhere and given my barclay account to the car dealer to transfer money in to my barclays account. Money got transferred and barclays fraud team have restricted my account as well as funds, then they have verified from the dealer and confirmed that money was legitimate and released all funds and account was back as normal. After few days I have received a text message that my card is temporarily deactivated to prevent any fraudulent activity. I called as well as visited the branch and they told me that account is under review and it should be fine in few days. After few days I called the bank and they told me my account is closed with immediate effect due to section 15 in terms and conditions. I have got few questions that I need some advice on. 1. I am thinking about writing a letter/formal complain to CEO and ask for an explanation for the closure and mentioning BCOBS in it. Is it going to be of any help? 2. Would this account closure effect my barclay credit card (seems fine at this moment of time). 3. Would this account closure effect my other than barclays bank accounts, mortgage accounts, loan/credit accounts and other bank's business accounts, etc. 4. Would this account closure effect my credit score (which is excellent at this moment of time). 5. All closed bank account marked as settled in credit file, Would this be marked as settled or something else/negative due to bank closing my account. Any advice will be much appreciated. Thanks

Hello, Was wondering if anyone could steer me in the right direction please - have gone up against creditors and DCA's before but now I am having to try and deal with British Gas. I live in a very rural area and have been here for approx. 10 years - in all that time British Gas have been to read my electric meter a grand total of 4 times. They have been happy for me to pay a fixed amount over the years increasing and decreasing sometimes and to be honest as the amounts suited me due to income I just continued to pay. a couple of months ago I was shocked that a meter reader turned up then a massive bill was provided to me - I queried it and was told it was correct because a person had read it - I asked if someone could check if the meter was working properly - this request has conveniently been ignored. While this is ongoing I have continued to pay and have paid a higher amount - I have advised BG that I can pay this amount moving forward each month - they have advised cannot accept as not enough and they need to speak with me to come to an arrangement. Any thoughts please as I cannot afford any more at this moment in time. Thank you.

Hello I am "tidying up" my credit files! In January 2007, I received a Default Notice for a Barclaycard account. A few nominal payments were made and then, since June 2007, I have been paying a regular monthly amount, without missing any payments. My credit file with Noddle shows that this account is under "an arrangement to pay" and does not show the Default. Additionally, some of the monthly entries, although showing "AR" for all months, also state that "the lender hasn't been able to give the account status for this month". The Balance History is reducing monthly, in accordance with the payments made but the Payment Amounts recorded on the file do not reflect all the monthly payments, and the Statement Balances shown are all for the same amount, the Balances do not reflect the monthly payments and the Balance History. I have raised a dispute with the CRA. Am I correct in thinking that, as I received a Default Notice in January 2007, this account really should not be shown on my credit file now? What is the best course of action to get it removed? Thanks t

A dear friend is trying to fight legal action from this catalogue company via Lowell's even though she never opened the account and goods were delivered to a different address. She informed the catalogue company approximately two years ago when she first received a letter about the account. After that she heard nothing til a couple of months ago with a letter from Lowell's. Being inexperienced and knowing this was not her account she rang them and explained the account was fraudulent. She also rang the catalogue company but they couldn't give her any information! She has acknowledged the court papers and entered a defence that though the account is in herr name, she didn't receive the goods and they were not delivered to her address. But Lowell's just sent her a letter saying they would reduce the amount! How does she get evidence when the catalogue company say they have no information on what was ordered and where it was delivered? Why is this happening when she informed them about the fraud years ago. Its been assigned to her local court but she needs to be able to get evidence?

Hello all My sister in law accidentally paid £200 into my Barclays bank account instead of to my brother. This was an old business account I have which I had not used for about three years. The charges and interest has mounted up in I to the extent that it is £1200 overdrawn. I had not heard from Barclays at all for several years despite this being an unauthorised overdraft, no phone calls, no attempts to get me to credit the account, no letters. They just let it go. And so did I. Anyway my sister in law contacted me straight away and I said the best way to tackle this was for her to contact her bank and ask for the money to be returned via the Industry standard process for mistaken payments. This process allows for the return of the money within twenty days if I do not object and of course I do not. I then received a phone call from Barclays stating that they had received a request from my sister in law's bank (Lloyds) and they asked me how I intended to credit the account (with some £1200) so that they could return the money. I told them that it was not necessary for the account to be credited. I told them they should follow the industry standard process and return the money. There then followed a lengthy and unsuccessful (on their part) attempt to get me to restore the account. I told them that whether or not I did so should not be linked with their duty to return the money in line with the industry code as I (clearly stated) I was not objecting to it's return. Eventually they agreed they would do so. Much to my surprise my sister in law contacted me to say she had received a letter from her bank Lloyds saying they could not get the money back because I had objected!! This is entirely at odds with what I said to Barclays which was that I DID NOT object to the money being returned and that they SHOULD follow the industry Code of Practice. (I am somewhat familiar with this situation and the Code of Practice as I had earlier in the year made a payment into the wrong account in our business much to the annoyance of my partner and researched what to do though in this case the recipient was known to us and he returned it less £17 for a bottle of whiskey!). Barclays have taken no other action with regard to the account in the intervening two weeks except to keep it alive in their system and have just added another month of fee and interest charges. I have had no default notice, account suspension or anything else. Can I ask fellow CAGers the following: 1. Am I right to believe that not withstanding the state or status of my account that if a payment is mistakenly made into it and I do not object to its return then that return must be done and within a twenty day time scale? 2. Presuming the answer to 1. is yes then what should I do now? Many thanks for reading and I hope this thread will be interesting and entertaining!

mum died a while back. I had her estate sorted out and all accounts closed. Today I was just checking her emails and I saw there was an email off the national lottery. They said "We have transferred the balance from your National Lottery account to the bank account associated with your debit card because it is about to expire". I thought it was just spam at first but it had a username down the bottom. I entered mums usual password and sure enough it logged in I checked transactions to see at the end of August this year they did send £26 to my mums bank. I never even knew she had a lottery account. What happens now? That bank account was closed around 6 months ago. Thanks

Preference Account HBOS Another account being collected by a debt collection company This account was under taken back in 2008 on condition of a loan application being accepted by HBOS for £12,500 Account opened in 2008 and defaulted in early 2010 I wrote in March 2010 requesting that due to problems the account be closed and charges/interest be frozen or accruing on the account. ( Have letter from March 2010 ) Just located documents/statements from 2010 as follows April to sept 2010 defaults fee's, 5x£12 late fee's 5x£12 over limit fee 1x£12 were added to the account ( will send letter asking for charges to be deducted from balance ) and send letter to collection company to place account on hold for 30 days while awaiting reply from HBOS Interest for 5 months were also added, total £158.23 after request for closing of account see above. CCA will be in post in morning, along with letter of seeking refund of charges as per above Again adding thread so that i can place any reply from CCA request as and when received. Account has low figure left to pay and default passed six years.

Dear Cagers, I need some advice. On 30th of April 2015, while I was watching my son’s cricket match on ground, I received an email from Vodafone welcoming me on their network with a new contracted account which I never bought. I sensed something is wrong and called Vodafone customer service straight away. They told me after confirming my address and dob that I have just purchased a contract with an iPhone from them. I told them that someone must have used my details so please cancel it straight away. As I responded to this purchase very swiftly, iPhone delivery was also stopped. I was told that account is closed and matter will be forwarded to fraud department. I also advised Vodafone that please flag my details in your system as not to be sold any contract for a certain period to avoid any more attempts. That person later on bought one or two more contracts from Vodafone, one from EE and one from O2. I kept on informing and cancelling every time I get something in my mailbox or letterbox and thanks to all as they were all very cooperative and honest except ONE which is Vodafone. Now, here is the main story. On 13th of July 2015, I received an invoice from Vodafone dated 8th of July 2015 demanding £177.28 as invoice saying that I made two purchases of mobile phone contracts. I called them straight away but their automated call handling system DID NOT recognized the account or mobile number I had on that invoice and didn’t let me choose any option to go further with customer service. On this I thought that because of their computer is not recognizing the account or mobile number on invoice then the account must have been deleted and this invoice would have generated earlier OR in error. But I was wrong, after a week (on 19th jul 2015 ) I received a default notice in post from Vodafone dated 13th jul 2015 demanding same money otherwise I’ll be registered as bad debt with credit rating agencies. This was serious, next day, on 20th July 2015, after much struggle in finding vodafone’s geographical customer number (03333040191) I called and spoke to a lovely lady called ‘Candy’. She was helpful and after listening to me she promised that matter will be pulled back and passed to fraud team and I will receive a confirmation too in 72 hrs. After 2 weeks, A letter dated 3rd August 2015 was delivered to me on the very same day 03rd August 2015 ( How ) in the morning post from a debt collection agency called ‘Collect Direct’ demanding same money £177.28 urgently on behalf of Vodafone. I wrote a letter to collect direct explaining the story and also provided crime reference number which was obtained from ‘Action Fraud’ on these unauthorized purchases. After few days I received a comforting letter from Vodafone saying that A mobile phone account was opened in my name recently without my authorisation and has now been closed. We are now doing everything to prosecute the criminals. Being victim of fraud is worrying but we can’t disclose any further details due to legal reasons. We have also ensured all record of this fraudulent application has been removed from your credit file.’ This was very relaxing and I thought matter is finally put to rest. I never received any letter or email from Vodafone or Collect Direct after that about anything. It’s been a year to this incident now. As I am in property buying and selling business, I recently applied for a mortgage. To my surprise the broker came back to me saying that lender is only offering high rates as you have a default on your credit file. SHOCKED !! never ever missed a payment, how come there is a default !! I didn’t believe the broker and subscribed to Equifax and saw myself. YES, VODAFONE deceived me and marked a default on my credit file with same amount £177 and same account . I reverted back to lender explained all with all the paperwork I have but they won’t change their decision as they only go by the books. They say that they will recheck my credit file in first week of October 2016 (2 weeks from now) and if this default is still there then there will be only high rate mortgages and low amount of lending will be available for me. This will blow me out big time as my whole year’s investment and hard work will go down the drain and might run me out pocket and eventually out of business. My credit file matter at this time is very serious for me. I want to ask; - Is there any ways i could get my credit file fixed asap ?? - Would vodafone or equifax be able to do it before 2 weeks ? I am already started to make a flow chart for word press. SAR, LBA and MCOL procedures are also prepared to kick off but they need 14 days and then so on which will not sort my problem within 2 weeks. I haven’t spoken or written to Vodafone, Equifax and/or any solicitor yet and will do so after some advice on group. Thanks in advance to all who read and comment.

Hi I only just noticed that £13.99 had been taken from my Santander123 cureent account by Ancestry.com via DD !!!!!! I checked the DD and it states it started on 29/07/16 and i most DEFINITELY did not start/confirm this Direct Debit. Thus far they have taken £13.99 on 29/07/16 and today 02/09/16 !!!!!! How do i go about cancelling this, i can not recall using this service !!!!! I have an excellent credit rating and am more worried about it effecting that. Also i have no details of an account with them, so would not know how to even 'log in' to cancel it on their site. Anyone advise. Thanks Little update, i had full info on the DD, it has been taken by - Payee name: GLOBAL COLLECT BV RE ANCESTRY.COM I have NEVER authorised this !!! Anyone advise ? Thanks

I went into Argos to use my card which had an available balance of £50 (I logged into my account online to check) and the card was declined in store. I called them up and they said my account has been closed and they are seeking to recover outstanding balance of £250. I hadn't. Even. Profiled that it had been closed and been making payments each both. They said I'd missed a couple of payments (which were late not missed). If only received statement letters from them asking for minimum payment and they are still charging me interest! I'm not in a position to pay more then the minimum payment but will never clear it at this rate and there's no point trying to and putting myself in debt with other creditors. My husband is the only earner and we struggle month to month. I've tried to keep things afloat but it's been hard. How do I get a final balance from them and get them to stop charging interest? Thank you

Hi, I'm trying to help a friend. Child is three years old, mother was common law wife of the child's father. Father has been killed in a work related accident. The employer has made a payment (from Avia) through a solicitor engaged by the mother. The child is the beneficiary of the very small estate. The solicitor will only pay the monies into a the Child's account which has to be a trust account with two signatories and flatly refuses to pay into a simple Child's account. We have been unable to find an High Street bank that offers such an account. The solicitor is pushing the mother to go to a company that specialises in Trust accounts but this would be a big hit on the very small amount of money involved, less than £20K. 1) Does she have to have a trust account? 2) If yes, where can we setup such account ourselves to save taking a kit on the funds?

Hi I'm new to the forum and hope I can be a valuable contributor in some small way. I am about to move home and having a bit of a problem with Scottish Power - they are the providers in my new house. Well the people who provided the previous tenants with power anyway. I spent an hour on the phone trying to register for an account with them to no avail. It is a prepayment meter in the new property and my question is this. Do I have to register with Scottish Power initially or can I go straight to another company - I will be changing anyway as their rates seem a bit high. Also as a joint tenant do both of us have to resister or can just one of us? We were going to split the bills between us - one pay water/phone the other gas/electric. Many thanks Serena

I have a few student loans taking back from 1997, 98, 99 and 00. I went Bankrupt in 2010 but was told my student loans would not be included in my Bankrupcy. I spoke to SLC and they backed this up. I was still receiving deferment forms from SLC and I kept deferring the payments but have now received a letter from Erudio who say they have now bought the debt. I have now read that certain student loans could be put under Bankrupcy so could be written off. Would these loans have been written off when I was declared bankrupt? Was I miss-informed? Any information would be great