Need advice urgently. I got a little behind with gas bill I am and always have been paying £70 a month by Standing Order. anyway, every time I try and set up a payment plan, always get through to an indian call center and all they want to do is take a payment and not listen. I do have a recorded telephone conversation telling them I had no objections at all in them fitting a prepayment meter. Despite this they got a warrant to change it on the 13th of this month. I never got a chance to tell my side at court (6th) also I never received human rights letter from rep, I sent him away and told him to post it. Didn't even get into a conversation with him. why should I pay for his visit. I don't want to pay the court costs and meter install charges when I already gave permission. Can I stop the warrant, have it put on hold until I at least get a chance to have my say in court? Time is tight ....how would I do this? thanks for reading series3

hi folks, check my files on regular basis on experian and noddle and have recently gone on free trial on checkmyfile. i have discovered entry that isnt in my name but the surname is same as my middle name. a while ago i did receive letter addressed with said name and ignored it. this entry is not showing on experian or noddle but will be sb'd in september. what is best course of action? thanks in advance

Hi there all, Slightly long background story so appologies in advance! My son who is now 19 got a fixed penalty notice last year when he got drunk and fell asleep on some steps whilst visiting some mates who were at Uni up there. On return home he confessed all and gave me the paperwork which unfortunatly didn't include details of how to pay that bit was missing. I chased it up and tried to have it sent on but it never arrived then no-one could find any details of him on their systems! It's been a total nightmare and I run a pub so I'm plenty busy enough! Everytime (my son) has had a letter from the DCA he's tried to follow it up and sort it out but nothing has been finalised. Today late morning there's a knock at the door, some bloke from this Marstons lot says he wants £420 on the spot or he's coming back with a lock smith and the old bill to force entry to take goods. Well I explain that son is at work, it's my pub in my name so I really wouldn't appreciate him marching through it heavy handed and that if he gives me some time to sort it out and I will. However is not up for negotiating or part payment or making a payment plan he wants it all and he wants it today. I've done my research and want time for son to contact the court and fill out the paperwork needed for a financial assessment so he can be given a realistic time scale to pay however I'm not getting that done in the deadline I've been given as I've no idea who I need to call to find out about this paperwork! I'm concerned that he's going to force entry into my pub and cause damage that I'll have to put right, I don't want a bunch of strangers in my flat especially as I can already tell them that son has bugger all! I have a sneaky suspicion he's blagging me a bit though, originally he said that the lock smith and police were booked to return at 3pm now suddenly he's saying he'll wait until 6pm. Do you guys think he'll actually make good on his threat to enter the property that way? Can he do that to a business that isn't linked to the person who owes the money? How do I get this bloke to sod off and give me time to sort it properly? I'll be open at 6pm so I really don't need him tramping through the pub, although as landlady I do have the right to chuck him out! I think he's intentionally coming back once we're open to ensure he can just walk in, he tried this morning to gain entry by asking if he could "just look around" to save time later but I wouldn't let him. If he really was going to pop the door surely he'd of turned up mob handed earlier on? Anyway, any help and advice would be much appreciated guys! Jo

No suprises there then. http://www.fsa.gov.uk/about/media/facts/fines/top

Hi If I wrote to every bank in the country saying someone had been a late payer and they weren't then I would have thought they could sue me. If this is the case then why is the only thing a bank can offer when a late payment is clearly wrong is to remove it? Shouldn't they also pay compensation for this? I have an issue with a bank who said they would close the account and I should pay an amount each month to pay the amount due which I did because I will ill and couldn't deal with things very well then. At the beginning of this year I found out the account hadn't been closed but was still opened and they accepted a payment into the account. I also had a savings account with the amount due in it at the time they originally called me but they didn't mention this and I was too ill to deal with financial matters, my argument is that they had a right of appropriation and that if the account wasn't closed then a payment plan shouldn't have been marked on my credit file and if it was it should be when the account came under the overdraft limit rather than when it went back to zero.