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  1. Hi All, My first post - please be gentle this is a very stressful and difficult time! Back in Feb I received a PCN from Manchester CC. I can't recall why I was even in Manchester or anything about the circumstances. I was pregnant at the time and unfortunately lost my baby in April. From there everything went to pot. I couldn't cope with day-to-day life, I left my job and things that should have been sorted just, well, weren't. Fast forward a few months and I received a letter from Equita stating that they had a court warrant to deal with this. Having had nothin
  2. Hi everyone. I'm hoping I might be able to glean some information and guidance from this great community. The problem is one you may have heard many times involving benefits and concerns my daughter: Factoids My daughter is 22 years old and lives with 1- year old daughter and fiance in two-bed Sanctuary Housing flat (council housing association). Fiance has no income and is on a company training course with the promise of a job at the end of February. This is their first home and lived there since May 2018. Father (me) is also her Power of Attorney - she has severe mental
  3. Hi all Today I had a moment of insanity, wanted to buy some pants for my daughter, thought £5 was a bit pricey for one pair of pants for a baby and added another pair to the hanger, went to the checkout with my other items paid (only for 1 pair of pants as store operative did not realise what I had done) then left the shop. On leaving the shop saw the security guard and a staff member speaking to him who then immediately looked at me - but no one tried to stop me.. I immediately regret what I did and can honestly say it will never happen again. I would happily go
  4. I have never been down this road before, i need some advise I have been signed off work from June unfit for work. I have a long term condition that will never get any better only worse. Today I saw my gp who has written another unfit for work note. Everything has been crossed off and in the comments he has written... Will never be fit to return to current work and I think she should therefore be 'retired'. This will be the case for 3 months from 26/8/2018 to 25/11/2018. Goes on to say will not need to assess your fitness for work again at the end of this period. Sorry
  5. Hi, I have recently moved and have a dilemma how to advise some old credit card debt creditors that I have moved as do not wish to have them contacting a rented property that I no longer live at. Most of the debts are with DCA's as have been sold by the original card issuers. There are no CCA's available for the alleged debt but they are not Statute Barred yet. A couple of cards I have not heard from the original issuer for some time and don't know if they have been sold. What is the best way to phrase an advice of new address without accepting liability for the alleged debts?
  6. Hi guys I wonder if you could offer advice please Jbw enforcement agent appeared at my home this morning looking for my 21 year old son. I did not open the door no will i. Son is not here at the moment but i do have a bed wardrobe ect in my dinning room for him to use if he was to be here - no belonging other then some clothes and odd toiletries and no car in his name. Notice just says enforcement for warrant £616 And a ref number . phoned son who told me to open his mail and discovered letters about non payment of dart charge from march this year.
  7. Hello everyone, I would like to know if anyone as won any cases against Blemain in regards to unfair charges etc.... I took out a loan in 2006 for £25k secured on my property, I clearly checked the box indicating we did not want PPI only to find that over £5k was added to our loan which was for PPI. However in late 2017 I still had £27k outstanding on a loan which was taken out over 180months. Simple math shows with have paid over £50k back since 2006. My beef with Blaimain/Togrether is : £5k was added to the loan at the front end for PPI to which we clearly said we di
  8. my UC payment was due, logged on to check all was ok like I do every month. They're paying me £24. I usually get around £700. They've said it's a system error and they can't give me a timeline just probably after Christmas I'll get it. I'm due it in 2 days. I have no food gas electric or money. Civic centre can't help me, disability means I can't go out right now so can't get to a food bank. And to top it off I was just finishing paying my overdraft back I got to clear rent debt from the initial 6 weeks of no payment. Now my bank said if it's no
  9. I was really worried, I get caught for shoplifting at tkmaxxx. I have given my address, name, phone number and signed the banning form with exclusion list of stores for 12 months and a letter with RLP that I need to wait to pay them a lost cost of Tkmaxx which they have gotten all the goods back worth 60 Pounds. What will happen if I pay them? Will there be any further problems in the future? I am really ashamed of myself It happened because i'm not myself that day and suffering from depression from most of everything in my life. I reall
  10. On Thursday I had a Marston bailiff at my door, regarding Court driving fine of £1100, I explained to him that i cant pay in full, and he tile me that he is going to take goods away, I explained that I cant pay now and will pay instalments to sort this out, he then said he will go and get a magistrates court order to gain entry by force, Today Sunday 26th November he called and said he has applied to the court for warrant to gain entry, and said he will take goods, i explained that the goods belong to my wife and she own the house, he told me that will make no difference at all an
  11. There's no point in whining about them. We know they're ripping the public for all they can, any way they can. 58% rates, 28 day account periods when almost everyone gets paid monthly nowadays. My wife has a debt of £2096 with Marisota and I don't know how much with Very. (She says she doesn't know the password! I'm resetting it.) And a credit card, and who knows what else hidden. She doesn't work, I have to pay everything. I want to work out a prediction of where this will all go unless dealt with now. I can use spreadsheets but I'm not sure how they calculate the min
  12. Can anyone advise me please . I have had a 3 seater and 2 seater sofas off a rent to buy company called Local Appliance Rentals , payments £15 a week , now due to a change in financial circumstances have fallen behind by 5 weeks , have had no letters of arrears , just an undated card put through my door which i seen last Friday morning giving me 5 days to pay , tried to borrow money ,but no success. Today a letter been put through my letterbox by hand headed REPOSSESSIONS OF YOUR RENTAL GOODS , stating after repeated attempts to contact me it appears i have no i
  13. Hi all, Thanks to anyone who would mind taking the time to read this and advise me if possible. I received a 2 fines from the magistrates court. 1 for no tv license (fair enough) and one for driving without insurance (although the car wasn't been driven it was just parked on my street as it was broken down and id transferred my insurance onto a new vehicle. Taxed to be on the road but didn't realise it had to be insured as well, my bad but I guess that's by the by). In the midst of this I was granted a debt relief order and was granted £300 by the official receiver
  14. Hello, Your advise is needed pls.. I Was receiving the chidcare costs, My Son had to stop the Nursery last year July 2016 because he fell very ill and had been in and out of the Great Ormond Strreet Hospital with lots of surgeries, His Consultant also advised that he stays at home away from viruses . I am a single Mum , My work suffered as I can not work as I used to , So relied on the childcare as income to sustain myself amd 3 young kids. I have Never been on Benefits from the DWP so don't even understand the process, besides the thought of being on "Benefits" via DWP makes me feel l
  15. I was in horrendous debt when my husband left me with all the family debt and bills and no income slowly I managed to work my way out of things and paid off what I could. I took the ensuing years of bad credit rating on the chin and ploughed on watching my credit file with all my statute barred dates marked in my diary, overjoyed when they started dropping off. Suddenly I noticed my credit rating dropping again but couldn't work out why. Today I logged in and saw that with one year to go before SB, Moorcroft have appeared with a defaulted debt Also having lost my
  16. I took virgin media to CICAS and they lied about the contract. They told CICAS the screen shot of the t&cs I provided was from an old contract from someone else while the screen shot they provided is from my contract (by this time they had changed my online profile and had updated my contract to show new t&cs). I did not have the original contract copy at that moment but later, after CICAS decided in their favour, I found out the email they had sent me which had the contract I signed and could prove my stance was right. The only proof they gave was fake screen shots wh
  17. Hi I received the letter below yesterday from a debt recovery agency, I did receive a PCN last year whilst parked at the shopping centre but I can't remember the date I have until now ignored all communication and binned the letters they sent as this is what I did last time I got one of these things quite a few years ago, although now I have seen the advice is no longer to just ignore them, worked last time though The car park does have signs up all over the place about restrictions time limits etc and I do remember when I parked I wasn't able to park in the bay
  18. Hi there I've had an Amex card (Amex BA rewards card) for several years. Back in September 2015 I sent a letter to tell them I had moved house and provided our new address. However I was getting my monthly statements on line by email so did not question whether they had updated my postal address on their records. In September 2016 I set up a standing order to cover £1000 per month payment but unbeknown to me the instruction failed. Even though Amex had my phone number and email contact details they did not let me know payments were not being received. Instead they wrote to me at my pre
  19. Hi Guys, Back in 2013 I was being harassed by both NCP and UKPC due to being the registered keeper of a vehicle that they were claiming had had several parking tickets issued against it (3 for each company, 6 in total). Being in Scotland I followed the advice that was applicable at the time and ignored them. The matter was passed between various debt collectors and I haven't heard anything since early 2014. I moved address last year and have had a royal mail redirection in place since then as I didn't want them gaining a default judgement in the event that they issued court pro
  20. I have finally heard back from CapQuest regarding the CCA Request issued in January, they have provided a signed copy of the CCA together with a statement of account from prior to taking over, which causes some questions, primarily the balance has not reduced from the time I went on to the DMP. They have also failed to send any further documentation (such as a deed of assignment) which I requesting in my letter. Please would someone advise what my next steps should be? I am able to post a copy of the CCA & statement on here if that will help?
  21. Inside the TalkTalk 'Indian [problem] call centre' http://www.bbc.co.uk/news/technology-39177981
  22. Hello, I’m trying to get an answer regarding the changeover from dla to ESA/pip. My friend’s mother suffers from severe borderline personality disorder; she has been on dla for over twenty years! and did have until recently home-help (Although I believe this is no longer the case) her daughter recently took her to a atos/maximus assessment from which I understand it was specifically because Dla is changing to pip and they are medically ‘re-assessing.’ People that are changing over? 1 is this correct? 2 I assume if this is correct will she
  23. Hi everyone . I want to thank everyone in advance and also apologise in advance - as I realise my questions are probably very common here, but I have very little time left and I am overwhelmed with so much info on internet , while trying to do my duties at work and as a father. Summary : 1.My debts are in the region of 4,000 for a loan, credit card, overdraft and phone account. I started missing payments in 2010 due to family separation and depression, stopped making payments and stopped contact with lenders in 2011. Meantime paid some sums, made some agree
  24. Hi, seeing there are so so many problems with cancelling the membership with Xercise4Less. I am about to cancel mine with a full month notice, therefore I want to do it the best and right way to avoid any kind of harassment. I have read the "Cancelling your Gym Agreement - Get it right!" Post at the top. So my plan is to have 2 copies of the same letter handing to the gym staff with them signing the letters(Hopefully they will sign that). But I have no idea what I should include to make this letter "legitimate" in a manner of speaking. Here is my letter------------ T
  25. I have used this forum a couple of times for myself but this time am enquiring for a friend who has MS and leukemia and is highly anxious at present. She had been on ESA until March, having been forced out of her teaching job in quite harrowing and underhand fashion a couple of years ago. She was put onto JSA and has been supplying bank statements to the Benefits Office here. She had been paying her rent out of rapidly dwindling savings until her savings fell under the limit preventing a housing benefit claim very recently. Despite her condition she has in the year that I've known he
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