About 10 years ago i was in debt. I haven't heard anything since, but the other day my nan got a letter in my old name from lowell group demanding £400, no mention to who it was owed to. My nan has phoned them and said i havent lived there for at least 7 years and the woman she spoke to said they would amend the details. Will there be any further contact from them now and can they chance up a debt from 10 years ago and not even say what its for? I cant think of anyone who i owe money to after all this time. My nan today rang me up saying shes worried that baliffs will knock on her door now and shes accusing me of getting loans and sending them to her when i haven't done anything of the sort. Can anyone help?

Hi I would appreciate any advice A bailiff from Marston came to my house this morning regarding an unpaid debt of £550, i was fined £250 by magistrates for no tv licence. I paid £50 and presumed the rest was being taken from JSA. I pay £5 a week but it only states fines, not a particular reference. I explained this and asked for time to pay/check it out and was told that was impossible. I asked for it to be referred back to court - again no. The bailiff then came in and filled in a Notice of Distress. He listed two sofas, a coffee table, 1 alba tv, 1 xbox 360 and 1 excercise bike. He has given me days to pay. I have no money to spare so wont be able to but after finding this forum I am hoping i can appeal against the validity of the Notice of Distress?? My coffee table only cost 60 new, tv 250, xbox belongs to my 18 year old son, leather sofas are both ripped and have no fire tags? and the exercise bike is actually a cross trainer - does this make it invalid? Also i phoned them asking for a cost breakdown and was told 85 admin and 215 for the visit, is this acceptable? I am trying to get hold of the court but not having much luck, if i dont pay can the bailiff take these items and what can i do in the meantime to prevent him taking them and give me time to pay. I hope i have included enough info but will happily post anything else that might help. Thanks

Hi, I received a letter posted by hand 13 days ago regarding two unpaid court fine from marston group.My fine was originally £110 and the other one was £125 but i was paying it off using hmcs card payment service,£5 a week.I was in full time education living on a tightest budget.ALG (adult learnign grant) my passport had to go to homeoffice for a visa renewal.it normally takes 12 weeks or more but in my case it took 6 months and when my visa was about to run nobody wanted to give me a job if in case i dont get a new vise and the money they spent goes down the drain. I finally finished college.I couldnt pay the fine no more because i had no income.I received a text from court fine department with a contact number which i rang straight away and explained my situation.they were very understandable and they said they would wait.well i just found out that they didnt.they passed on the details to marston and i think they have been visiting my previous addresss.i didnt recieve any post from my old address. Long story short somebody hand posted a letter through demanding £450 or they will remove goods from my property.4 days ago somebody knocked i answered ,he asked me who i was and i told him honestly.he then pulled a badge out with an angry look on his face,he demanded money i didnt have.he said he has a warrant of some sorts when i kindly requested if i can see it, he refused i asked him again and he got angry and said he doesnt need to show nothing and got in my face.I didnt react or threatened him as i am not that type and pleaded him to give me some time.he said he will return in 2 days.he said he is dealing with both fines.he wants £400 for one(original court fine£110 of £85 left ) and for the second one £450 ( £125 and still the same left) PLEASE HELP ME.

Hello everyone, Myself Steven Brooks. I am new to this forum. I have not found the introduction thread of this forum so, I am giving here my introduction. I want to share my thoughts with all the members of the forum, on the topic about electronics and its uses. If I have done any type of mistake, then forgive me. I wish for your support and cooperation. Thank you, Steven Brooks

Evening, Without going in to too much detail (its a long story), lowells have settled my debt (i believe it is on the grounds of no signed CCA). (account was opened in early 2006. Shop direct have vaguely confirmed that it does not exist. Before the account was sold to Lowells (without a letter of assignment from shop direct) they issued a default - the letter took 13 days to arrive. Despite telephoning on the day of receiving the notice, being told that my account was being passed to their complaints department they still ignored me and sold the debt. Without a signed credit agreement (which is obviously the reason for lowells settling the debt) can a) shop direct group do anything on my credit file. B) did they have any legal right to issue a default on my credit file. C) There is a footprint on my file from lowells where they have credit searched prior to buying the debt - who gave them permission to do this? Basically is there anything I can do to get the footprint and default removed from my credit file? Any advice would be greatly received? Thanks

If i offer to pay them £1 week/month do they legally have to accept it? im a single mum of 2 kids under 3 and on benefits,so money is tight. initially they hounded me for about £53ish a month i agreed to shut them up and managed 1 payment and then realized how short it would leave me every month.

I am currently in the support group, I was assesed earlier this year for a non terminal condition and placed in that group under exceptional circumstances. I am now being reassessed. Things have not changed for me health wise in fact they are slightly worse and I am still under the care of the same consultant as I was at my last WCA and awaiting new tests. My question is this; if I give the same information relatiing to my condition on my form and if in the medical I give the same information as my last assesment which was only recently especially given that I am still waiting on further tests etc and ATOS / DWP go frm putting me in the support group to WRAG or even finding me fit for work then surely the fact that they found me eligiable for the support group just recently means that they would be forced to alter their decsion and if they didn't it would make it obvious that they were just randomly passing and failing people on the WCA according to "targets" as last nights programs demonstrated? What do you think?

What if we get together against PPC. In number strength, dont know if someone came up with this before but surely its a good idea. My first post but just got an answer to my appeal from VCS, as expected got refusal. awaiting further communication. In main time Had some time to run through few forums and must say many people are angry with them . Why dont we all get somehow together, pay £5 each towards the solicitors costs, sue the b*****s and get all paid charges back - £5 x 1000 angry people = £5000 for a solicitor/barrister. We may get criminal (or not criminal) case for misuse and unlawfully claiming charges, pretending and fake papers, get insurance to cover our stress and losses. We all have some fake papers they send us. Why dont we bring them down. If the government cant do it, surely we can. We can make it big , get it into papers and other media, they will get scared. All we need is publicity and more people will find our case worth paying into. I bet it will be closely followed by millions! We can call ourselves GAA( check topic title for explanation) It would have to be a big head behind it all but if we manage to get it done we can take them one by one and they will bankrupt! I know its great idea but is it do-able?. What do you all think? [EDIT]

Hi I'm in serious need of help as I have just returned from travelling to find a string of communications from certified bailiffs Marston Group. They say I owe an outstanding amount of £866.10 for a rail ticket fine I apparently hadn't paid dating back to 27/12/2011 on from what I can tell (although absolutely no specifics are shown but which I have deduced because on the final 'hand delivered removal notice' it states which magistrates court has sent the warrant: Sussex) is from the London to Brighton route which i sometimes frequent. Firstly although my memory is patchy, I am sure that I may fine I may have had I would have paid on the spot as I've had this before and I've paid the £20 for not having my Young Person's travel card on me at the time whilst in possession of an YP ticket. I have a vague memory of the said offence happening but I'm almost certain I paid the fine, that aside the original alleged fine has spiralled from what I can imagine would have been £20 to now almost £900. A terrifying escalation and one that I have literally no way of paying, more to the point a fine that I believe I've already paid! I have no idea what to do , the balliffs arrival is seemingly imminent and me being a twenty something living with similar aged friends am now panicked that I've put them all at risk etc even though I believe I've done nothing wrong. I can't get in touch with Marston as the only contact number I have for them on which I can talk to someone (the operator assisted payment line) rings three times then hangs up. I can't get throughout to HMCTS Sussex as what I believe to be the correct number, of a few contact numbers I can see listed, is constantly busy. I'm terrified and have no idea what to do and upon my recent return home now find myself worried about who's knocking at the door etc. If anyone has any experience or advice or anything man I would really appreciate it as like I say I'm at my wits' end. From the extensive research I've done these Marston Group bullies have little sympathy and even less scruples. Many thanks in advance, Oliver

If you are reassed for ESA while in the support group, does that increase your chances of staying in the support group provided nothing has changed or things have got worse? Perviously placed in SG due to exceptional circumstances. In particular would it be likely you would need to be attend another medical if your previous medical was just earlier this year? Thank you for your advice.

Really hope someone can help... I have had an account with Lloyds TSB for as long as I can remember and as part of this account, mobile phone insurance with Lifestyle Services Group. I have never had the need to claim but in March earlier this year, my husband lost his Nokia 8800 Arte. I reported to the police and to Lifestyle Services Group within a few hours of discovering loss. They finally accepted the claim in May 2012. I paid the excess and was offered 2 alternative handsets or a cash settlement of £350. I rejected these as I felt the phone was worth much more to which they said they would look into it. When i next chased it, I was told that the claim was being assessed again and was no longer an accepted claim! They were waiting for '3rd party info' and could not tell me when they would recieve this information. After numerous calls, in the middle of June, they finally sent me a letter saying they had rejected the claim as both the phone and the sim had been used after we reported the loss so they felt the circumstances in which we had reported loss were not accurate. I emailed them saying I wasn't happy with this decision and if the phone had been used, it had not been used by either my husband or I but they have simply responded saying I have exhausted the appeals process with them and I should contact the FOS if I wish to discuss further. Is there anything I can do about this or do I just have to accept this very unfair decision? It seems to me as though they just decided that they were not going to pay out for an expensive phone, no matter what... Please advise.

This post goes hand in hand with another recent post I made re esa. Prior to getting said recent esa50 form I'd had a conversation with a welfare rights chap who came out to my house. After being newly diagnosed with ms I wanted to get some advice on how to keep them (the dwp) in the loop and how best to go about it. I'd already updated the JC (after being called in on a 'wrag' group) and let them know my condition. The WR guy advised me to write in to esa anyways and update them and suggested that I ask them to move me to support group instead of wrag. Now the only reaction i've had from esa since then is the posted out esa50 form. I'm not certain that this has happened because I wrote to them or not, though I did specify in the letter that my mental health condition was the same and that the MS was an additional condition and that it wasn't a new claim that I was making. Now I have this esa50 to fill out which ok, at least it will put them fully in the loop (which given the letter i wrote, along with attached note from neurologist re the ms, they should have been anyways!) and at least I can fully clarify all this with them now. My query is this... Having seen some posts on here regarding moving to 'support group' esa and the probs it can cause re claims I just wanted to ask on here if mentioning the WR guys advice about 'support group' in the letter I send with the esa50 is my best option at this time and is it likely to cause more probs than it solves by mentioning it? I am being treated for hyper tension, anxiety & depression, panic attacks and now ms. The ms makes me feel very fatigued and worn down at times as well as random bouts of muscle spasms, feelings of heat on neck and face and various other symptons too long to note down here and being a recluse anyway and with the added mental health problems i can see why the support group would be a good step for me. I am just wary of 'rocking the boat' as it were as I've read that updating a claim can cause more issues than it solves because of the way dwp handles these things.

hello can any one tell me what group i should be based on my dicison letter ? on the dicision notice it says .... the appeal is allowed the decision of the secretary of state issued on 15-02-12 is set aside miss ..... has limited capability for work and work related activity the descriptors satisfied in schedule 2 of the esa regulation are (15 points or more ) coping with change ©-6points. getting about © -6 points and social engagement ©-6 pts none od the descriptors in schedulee 3 of the esa regulations is satisfied but regulation 35 applies

This a a weird one for me, hope someone can help. Came home today to a letter pushed through the door (no envelope - DPA breach as anyone in house could see it?). The letter is titled NOTICE OF SEIZURE, IN THE HIGH COURT OF JUSTICE Action No. xxxxxx Starts off : A formal seizure of goods at the above address has been made under a Writ of execution directed to an Enforcement Officer by the High court. Ill post scans of the 2 pages later, but I wasn't in and nothing has been taken. There is no address on the letter, no date and no signature. Now I actually know about the CCJ and have written to the court requesting a copy of the judgement late last week as I didn't know who it was for, just it was a judgement at my previous address, entered by default almost a year after I sold the house.. This is where it gets complicated. The debt was for a home energy report I needed when the house was put on the market. It was due to be paid either when the house was sold or 12 months after the contract date, whichever was sooner. 6 months after signing the contract, they tried to take the payment by direct debit which bounced, cost me bank fees, and they added around £80 fees on for a failed payment. They then tried to take payment a couple of more times by debit card (all within 24 hours) which resulted in another £160 in fees being added. When I queried this I was told the contract stated 6 months, and they didn't do 12 month contracts, even though I had a copy in front of me clearly stating the 12 month payment period. I asked them to put the account into dispute as I would pay the £468 I owed at the correct time, but only when I had it in writing the fees had been removed. They refused, so I just told them to contact me when they had sorted it out. This was a good 6 months before I sold my house. The above is from memory so the figures may be slightly wrong, but they are close if not to the penny. Since then I have heard nothing from them, despite them having my email address, them knowing I had moved and my estate agent & solicitors details, so if they wanted to find me, it wouldn't have been too difficult. So as far as I can see, they have got a judgement in default knowing full well I wasn't at the address they sent the paperwork to, have possibly got a high court judgement allowing bailiffs to come in, and now they have all that, miraciously decide to serve it on my current address, albeit, unsigned, undated, unaddressed. Any idea what to do from here please? I'll upload the letter in an hour or so, but obviopusly need to blank some details out first Thanks for any help

Hi There I had a credit account with H&M Online, I've been having trouble paying the monthly amount due to not having a lot of money and job troubles, I did inform them of this and offered to make a smaller payment a month until things improve the balance currently stands at £315.45 most of this interest and charges. They assigned the debt to a company called Gothia/BCW Group I've never heard of them before, I'm not sure if they've brought the debt it just says legally assigned to them, they sent me a letter today asking me to contact them and log on to the website to see exclusive offers etc. Money is extremely tight I can't offer a lot, they've threaten bailiffs and court action which I don't want to happen but I'm just unsure of what to do, any advice would be much appreciated.

My daughter is booked to go on holiday with a group of friends but unfortunately due to medical reasons my daughter is not able to travel i contacted the travel agent to ask how she stood to claim a refund and was told that my daughter would be able to reclaim 50% of her outlay but the other members of the group (9) would be liable to pay an addittional £52.50 each due to under occupancy, group discounts etc My daughter has explained her situation to the other members of the party and offered to simply not turn up at the airport in return for them all paying her a £25.00 each (this will save them from paying the £52.50 mentioned above) my daughter received a text from the friend who is in charge of the booking last friday confirming that the other members would pay the £25.00 each to my daughter and she would drop the money off on monday 18th June 2012, unfortunately despite several texts by my daughter to the money has still not been paid to my daughter. we are now in a situation where in a few days time the refund from the travel agent would be reduced to 30% i have been told that i need to visit the travel agent and ask them to make a note of my daughters request to cancel on the booking and they must then contact the lead person to confirm Anyone know what to do in this situation??

MoneySavingExpert.com (MSE) will join the MoneySupermarket Group Link: http://www.moneysavingexpert.com/news/site/2012/06/martin-lewis-on-moneysavingexpertcom-joining-the-moneysupermarket-group

Hi there, I am a first time poster, since last week I have been receiving daily calls from BCW GROUP but as yet have not answered any of them as I don't have any debts that I'm aware of & haven't had any outstanding debts before. (but I have moved house a few times so maybe a utility bill could have requested payment at an old address or something.) Should I call them? What information should I ask for? What information can I give them? (I don't think they have my address) Should I sign up to a credit report site and see if anything is listed on there first? Sorry if these are basic questions or this is not the right forum, thanks.

Hello all, I have registered here to ask for advice regarding a letter I have received from Marston Group. It was sent 2nd class and dated 13th Dec, and I received it on the 21st Dec. Its stating I owe them for an outstanding fine on behalf of "HMCS: Avon and Somerset". I did owe a fine in May of this year which was paid in full, and I have written confirmation from the Enforcement officer stating that the matter has been settled and no further action will be taken. I have emailed Marston Group a copy of this letter, but am very worried as to why they would be chasing me for a fine which was paid 7 months ago? Having read of Marston Groups Bailiffs, I am worried as to what else I should do? Any advice greatly received. Thanks Thanks