Hi I was made bankrupt in March 2011, discharged March 2012 I received a letter at the beginning of September 2012 stating the accountant in bankruptcy has prepared a formal determination of fees and outlays for the period of my bankruptcy. the fees amount to less than £300 ,it states they will be claimed from the public funds or sequestarted estate if any there was a bit that also said "Registration of Award and Act & Warrant Change of Trustee £20.00" I have looked up register and I have not had change of trustee all through bankruptcy and it is still showing as one where trustee is accountant in bankruptcy (agent acting on behalf off??) I just wondered what happens now, is the trustee still dealing with my bankruptcy,I have never heard anything other than the interview and then 6 months into bankruptcy a review of my circumstances letter (nothing had changed) thanks in advance for any advice

Hi,help needed with PDL company CashChoice with trading name uklenders alliance. Took out the PDL at the end of may with them for £400 and contract was for 28 days with one onoff payment for £520 on 22nd of june. £400 for loan and £120 for interest. Checked my bank account few days later and found out,that money was taken £160 altough all the funds was avalible !!! My alarm bells was starting to ring and i knew that something was wrong,because £160,it`s not the interest,it`s just a odd amount of money??...gived a call to the bank and reporterd my debit card stolen.Went on holiday on 20th july and back in beginning of august i found the e-mail where they are saying that my account is in arrears for £680 on todays date.And they are giving totally different reference number!!! Basically,it looks like they made a deferral without me and my approve to drag out more money!!!I`ve got my contract what states clearly,one onoff payment on 22 of june £400 loan+£120 interest. Any ideas,how to deal with this matter?? Thanks for the replys,

Hi all, Been a long time since I was around these forums, however searching Google this morning drew me here and I am glad it did to be honest. I have a car on finance (just over a year left on a four year agreement), and at some point over the coming months I would like to trade up to something newer, and something more practical (I currently have a Passat saloon that has done just over 100k, and could really do with a hatch or an estate). We bought the current car from The Car Shop in Swindon, and to be fair our experience wasn't bad - bit of a hike from where we are, and there was a bit of too-ing and fro-ing with documents etc for the finance (which wasn't The Car Shop's fault, but rather due to us recently having moved house and waiting for my driving licence to come back from the DVLA); The current finance agreement is in good order (no defaults etc), and my credit rating is considerably better than it was in times gone past. I started by looking back at The Car Shop, but to be honest the distance from their showrooms, coupled with the fact that the vast majority of their stock seems to have mileages in the region of 80k miles and more, really put me off. So, I had a look at CarCraft's website, and have even seen a couple of cars on there within budget that I like - however, a bit of searching Google has led me to the conclusion that I would be mental to go anywhere near them! Therefore, can anyone assist with a recommendation for a car dealer or supermarket that are actually worth a light, somewhere around South West London/Staines?

Last week my wife purchased a second hand car that was advertised on a local site. The car was sold with 11 months Mot and when the money was handed over , the seller put six months tax on it. Less than a week later we have been told that the head gasket has gone and to replace it would cost almost as much as we paid for the car. We are on benefits so are severely limited on what we can pay. Now for the tricky part. The advert was a trade advert at a local garage. However , when he signed the receipt , he signed it in the previous owners name and address . But when he taxed it , he put the trade name on the new keepers part of the log book in order to tax it. When we contact this person and he says something like "hard luck....bought as seen", then is there anything we can throw at him jargon wise to try to sort this out?. If what he has done is not normal then it would be nice to say to him , " you can't do this or that because of this bit of the law" ?? Thank you

hello all my cousin went for a photo shoot yesterday and paid £50 deposit to have a cd of pictures on, and to pay £79 a month for 12 months, however her husband has just gone pysco and she has to get rid of them, it says on the agreement she signed that its non cancellable so where does she stand?? i just called the place for her and explained but the manager isnt there so they cant do anything tonight, she wants to post the cd and agreement back to them and cancell everything, or her husband will go mental at her, he has already taken her bank card off her i want to hepl her cause i know what he can go like, but dont know how to or what rights she has, thanks for your help

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On JSA, just finished a sanction but told i can't get crisis loan until after first payment after sanction, won't get money now till next Friday. Electricity will run out today. Do i have any option left, just to top up elec. Also can't get hardship unless your on a sanction. I can get food from food bank, but i will be living in dark at night, which will be a bit of a pain and i won't be able to cook anything.

Hi all, I'm hoping someone can set me straight regarding my child tax credit entitlement. I'm fairly sure I am right in what I'm thinking though. My payments were stopped earlier in August, I had no idea why, so I rang their 'helpline' to ask. I was initially informed it was because they were late receiving the renewal form, even though it was sent back middle of July! Then later on in the conversation he told me it was because my partner had earned too much money last year, £800 over the limit of £32,200. Am I correct in thinking that the new limit only came in to force at this years' budget and the previous limit was £40,000? I also thought that tax credits were based on the previous years earnings, so in this case 2010 - 2011? I got a letter yesterday stating that there was an overpayment of nearly £7000 which they want back! £5000 of which was for 2011 - 2012 and the remaining £1700 from April this year. So, I ring them and ask how on earth can that be right. He was adamant that my partner had earned too much and we weren't entitled to it. I googled how much the limit was for 2010 - 2011 and it was £40,000 for a family with 2 children (my partner only earned the minimum wage then, his salary was £9000). I also seen an article which stated the family element of child tax credit was not affected should the salary be less than £40,000 (I don't know what the 'family element' is to be honest). They stopped paying Working Tax Credits in April as they were aware how much he earned up until then but they continued to pay the child tax credits, now they say they want this back too - I'm annoyed that they think they can do this as it was their mistake in the first place! If I'm not entitled to it from now on then that's fine but I don't see why I should pay back what I was entitled to previously. Can anyone let me know if this is right or not? Any help would be appreciated, thank you in advance x

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What did their letter say, did they give you a full explanation of what they were collecting and for who. Is the amount they are asking for the same as the original bill?

I am posting this on behalf of my daughter ( 24yrs old ) as she is really worried and has now got me even more worried. Sarah got herself a catalogue with Littlewoods 4 years ago and had had no problems paying the monthly amounts but did start to go OTT with the BNPL offers which i can imagine are tempting. 4 months ago she was made redundant. Currently she is on income support as she has a child but she is desperately looking for work. I didn't know till this weekend when she came to me in tears that she had stopped her payments and has been recieving letters weekly from NDR. Her total debt is £4,250 which includes lots of interest for BNPL which are due in Oct, Nov, Dec, Jan, Feb ,March and April. She will be unable to make those BNPL payments so the iterest will be added. I have had a good read of the forum over the last 24hrs and seen a lot of help and advice given in these circumstances. I would like to know which letter do we send first of all to ask for the interest to be frozen. I want to make £80 a month payments on the account for her but can see that this offer will more than likely be refused. £36 a month is being added at the moment in charges so i don't want to pay £80 a month if they are still going to make these charges. £80 a month will take approx 26 months to pay off the original amount owed minus the interest. If i pay the £80 a month and at the end of 26 months there is still interest and charges there what do we do? Should she write and offer £80 a month and ask that interest and charges be frozen and then me commence payments? Could anyone please point me in the right direction of a template letter to get this all started. Apologies if this is all a bit jumbled.

I left my job 3 weeks ago, we didn't part on good terms and when i went to see them for my final pay, i got into an argument with them and they were saying that i owe them money as ive taken too much holiday. I still haven't received any payslips or my P45 which they originally said they would post, this was before the argument. Can they withhold this from me because i "owe" them money?

Hi I've had a Morgan Stanley now Barclaycard account since 2000. The card balance has been up and down and now has about £100 balance. I've claimed (via one of those companies) who first contacted Barclaycard being as they own the debt etc now, and shortly afterwards I received a letter. All it contained was a "thank you for contacting us, here are our terms and conditions", nothing else whatsoever. The company are now pursuing Morgan Stanley and this has been going on for months now. Has anyone ever had a success with these guys? I'd be very interested as to where to go next and to share stories. Many thanks

Hi i have an outstanding debt from Holland of over 30,000 euro i left Holland late 2004 and today i received an e mail and letter from cci legal requesting i pay it back before 8/8/12 or they will take the matter further seems pretty standard. Has this company bought the debt cheap and are now chancing their arm to see if i will buckle and pay it back? I have in no shape or form acknowledged the debt or contacted the company nor will i, are they likely to take me to court or are they clutching at straws? this debt is not on my credit file and it has been 8 years at the end of this year since my departure from Holland any advice on this matter would be extremley helpfull and gratiously received thanks in advance.

The Family Mobile scheme looks really great. Very cheap call rates and SMS rates, automatic top-up, no minimum monthly spend, no expiry of credit. Also, they are partnered with IKEA so you expect that the quality is going to be good in every respect. I decided to get a couple for my kids who are going away for a few weeks this summer. I am so disappointed so far. The Sim cards arrived - without instructions, without PUK numbers, without the default PIN number. The website didn't work correctly so that it became impossible to activate them without help from the Family Mobile cust.service team - of which there only seems to be two (not their fault) - but it means a longer than 10 minutes wait on the phone until they get round to you. It took two phone calls of over 30 minutes each to get both sim cards activated. The website instructions are very poor and don't provide all of the info needed. Anyway, well and good, the sim cards work - although the website still shows them as being inactive. the Cust service rep told me that there are issues with the website (there certainly are) and that what I see may not reflect the true situation (it certainly doesn't). More worrying was the fact that I had authorised automatic top-up which means that Family Mobile has access to my money. There is meant to be an itemised billing service available and you are meant to be able to check online what the state of your account is - usage and so on. None of this is working. I have used one sim to send sms messages but there is no trace of them on my account console. In fact it is impossible to manage the account or to see how much activity - and how much expense is being incurred by your children - even though, being able to manage your children's accounts is one of the features of Family Mobile. The customer service rep said she would escalate it but didn't know when - or even if someone would call me back. Can I speak to a supervisor? No Can I speak to a manager? No Can I have the name of the department which will deal with the escalation complaint? The escalation department. Where are they? Not allowed to tell you. Who will deal with the compalint? Not allowed to tell you. Can I have the posta address of your office so I can write? No So where do I stand? You'll just have to wait. I decided to get the address of ttheir website - they have a legal obligation to carry the address. No address. I tld this to the customer service rep. She agreed that the address is not displayed. No company registration number. Nothing. It says that Family Mobile is owned by the Mobile Partners Group. Well I called them and got through to someone who says that he is the MD of the group. He told me that Family Moble has been sold to CDRator and that Family mobile should not be carrying references to Mobile Partners Group on their website!!! Is this true? I don't know. I am only relating the conversation which I had. I thought that IKEA had better know what is being said about all of this so I called them. they were concerned and will be investigating and calling me back. I contacted the phone regulator about the failure to display company information on the website. They have logged it as an industry complaint ???? (What does that mean?) I now have a contact email for the MD of CDRator - so I'll report back after I have heard from him. Meanwhile, the family mobile website is still not showing my account information accurately. I suppose that I will phone Trading standards as well - and T-mobile because Family mobile are offering T-mobile services. Has anyone had any good experiences with Family mobile? I'd like to know. Google searching doesn't disclose any problems. They seem alright I'd really like to clear up the issue of who owns family mobile too. It is all very strange

So it near the end of July any news on their license?

Last night the bulb in the bathroom light blew and all upstairs lights went out - replaced the bulb but still no joy. Fuse in fusebox had blown (it's the old type with fuse wire). Got some 5 amp fuse wire from neighbour this morning and replaced in fuse. Still no upstairs lights ..... Any ideas ?

Hi guys I will try to explain. I took out a personal loan for £17k in 2008. I paid on time every month for the first year or so, but then lost my job and struggled to earn anything by trying to work self employed. I survive basically on WTC but have not been able to pay much towards my loan. I was served the usual default notice, wrecked credit rating blah blah. I wrote to the bank and explained, and for a while was paying a token amount (£20 a month) but as things got tighter, I found myself unable to pay even that without leaving myself short for gas or elec etc. By chance in 2010 I inherited some money completely out of the blue. Not a fortune, but enough to buy a small one bed flat outright and I wanted somewhere secure for me without having to worry about rent or moving again. So that is what I did. I could have paid off the loan, but I chose to buy the flat instead. Now, I have kept in communication with the bank (they do not know about my windfall or the flat) and money got even tighter recently when I was taken very ill. I have asked the bank to write off the loan as there is no realstic prospect of me paying it. They have asked for evidence of my medical condition, so I am asking my Dr for that. MY WORRY: Although this was an unsecured loan, I do own a flat outight. I obviously do not want to lose my home as I have never owned anywhere in my life. Can the bank change my loan (without my consent) into a secured loan? Can they make me bankrupt in which case I would lose my home? I cannot stress how worried I am that I could lose the only thing I own I the world. Is it possible they will write off the loan without making me bankrupt or anything? Would I know in advance if they intend to do that and if so, could I do anything to stop them? Thanks Alan

Could anyone help my husband, he has had a meeting about termination of his contract. He was sent a letter about a meeting on Monday 14 May at 9 a.m. dated Friday 11 May, sent by ordinary first class post. We didn't receive it till 9.30 a.m. in the morning and they were soon on the phone asking where he was. He quickly drove to the meeting but was unavoidably late. In the letter it said he could be supported by a colleague or member of a trade union but there wasn't any time to arrange it. Is it worth bringing this up in the appeal? Many thanks

Hi, I'm posting this on behalf of my brother who has today received a bill from EON for £788 saying they have undercharged him over the last 12 months due to them discovering his meter is actually a five dial metric meter as opposed to a four dial imperial meter. They have been calculating his bill based on the reading being in an imperial measure and consequently undercharged him. They have quoted the 'Energy Retail Association Code of Practice for Accurate Bills' which apparently gives them the right to recoup their mistake for the last 12 months, equating to £788. My initial thoughts are 12 months is a long time for them to discover they have been incorrectly billing him! With them quoting 'Energy Retail Association Code of Practice for Accurate Bills', is there any way round this? And as a last resort I'm going to suggest a repayment over 5 years!!!! Does anyone else have a similar experience and did you get round it? £788 is a lot of money to my brother who is a single parent of a 15yr old boy. My brother works 12 hours a day trying to make ends meet, and this is a huge worry for him, so any advice muchly appreciated! Thankyou.

My ex boyfriend has today sent me a letter claiming that I "owe" him money for all of the bits and bobs that he has had to pay out for the car that he had use of for the past 18 months. Background: I purchased a vehicle in 2010 (in my own name), on HP, all payments made on time and through my own bank. Last year myself and my partner separated, I agreed (not legally, or in writing) that he could carry on using the car, providing he paid the finance installments (from his own bank, which he did), kept it taxed, insured, serviced etc. The log book (v5) was always kept in my name, so the car (although legally still owned by the finance company) belonged to me...I had merely let him have the use of it. So it remained this way until last week...when low and behold I found out that for the last 4 months of our relationship he'd been cheating on me. Not wanting him to keep driving around in MY car, I took the car back, and have confirmed with the finance company and DVLA that the liability is still mine and has nothing to do with my ex partner. The finance will be settled next week, and I shall sell the car (as it does have a small amount of equity left) Question: This letter I received from him today, stating that I must re-imburse him the cost of the new tyres (£551.00) the work for the MOT (£82) and the months of finance payments (approx £3500)...does he have a leg to stand on in asking me to pay all of this, when in fact I had let him have full use of the car for this period, and at no time did he moan about paying all these things, as he was the one using the car (I didn't even live in the same area, and had no access to the car). If he pursues this to small claims court, would I have to pay him anything, as the car belonged to me, but I'd (temporarily) let him run and use it...and therefore my understanding is that he must bear the cost of keeping the car roadworthy. Just after some advice from others who may have been in this situation, or know the legal ins and outs of a case like this! Thanks in advance Hannah x