Hi, I seen a TV advert for an organisation named Trust Deed Scotland Ltd and a service they are advertising called the Trust Deed Wizard. Can anyone tell me whether or not this as a con as I've read mixed reviews online and I'm swaying to the opinion that it probably is a con but if I use it and put in fake details, do you know how accurate it is likely to be? I have also been advised to consider a debt charity called Stepchange but I dont know if they have the experience of the Trust Deed Wizard people - but don't want to rule anything out. If there is a different company, perhaps I could look at several options to clear my debts (£43,200) and salary £24,500?

I have 2 credit cards with a combined debt of £14,000, I also have smaller debts of £150 which can be dealt with As well as the debts I have a £30,000 mortgage, with repayment s of £210 per month, with NR, which I am trying to move to my bank RBS. It seems banks are only giving 70%ltv, this only gives me a small amount to maybe clear one small debt; are there any banks that go to 90% which could allow me to clear most of my debts, and make them manageble In the last year, my health has not been that good, so I dont work as much as I used to, used to work 40 hrs pr wk, but now I only work 26 hr per week. I am hoping this year I can claim tax credits which would go some way to applying of my debts, as well as an increase in hours to meet conditions to claim tax credits Since I am starting to struggle with payments, for credit cards, elec&gas bills, council tax, I find my self falling behind, but somehow manage to make the payments; currently I pay out £240 to barclaycard, £150 to Halifax. Just had my Ele&gas bill of £320, which I just paid I am looking for information on trust deeds in scotland, and debt plans, it more I am looking for who I should speak to in the glasgow area

Hi All, I was wondering if someone could give me some simple basic step by step advice on debt recovery in SCOTLAND. I have researched English recovery but scotland court system is more complicated. My situation is that I want to recover wages owed ASAP from an employer. I am taking them to an Employment tribunal and I should win. Lets assume I win for this case. What would be my steps to recover as I know they wont pay as have tried everything to not do so, so far. I am thinking of just sending it straight away to high court writ and comparable sheriff recovery from her assets. So my questions are... 1) What is quickest way to recover. 2) what bodies to go to for this and rough costs if you know. Thanks

Hi - I live in Scotland and I need to raise a small claims action against someone in England. He is an individual (not a company), and he owes me money circa £600. I've called my local sheriff court, and the county court in England, and neither gave me a straight answer, and I'm still none the wiser! Please help me!

I have seen numerous cases in recent months of property owners entering into Trust Deeds, I can only assume that this situation is to some extent due to the constant glossy television adverts implying that Trust Deeds are some kind of miracle cure for debt problems. In reality Trust Deeds can be disastrous for home owners in situations where there is equity in the property. To create an example Two partners share a home with equity of £30000, one partner has unsecured debts of £20000 and disposable income of £150.00 per month. Term of Trust Deed 36 months at £150 per month = £5400 over the term. This leaves a shortfall of £14600. Now comes the sting in the tail, the trustee will then insist that the debtors share of the equity is released from the property. This can prove to be very difficult if not impossible as the debtor will be unable to borrow the shortfall due to his /her credit rating and a listing on the register of insolvencies. In many cases the Trustee will suggest that the other partner should try and raise funds to buy out the debtors share of the mortgage. Easier said than done, bearing in mind that the two parties are financially linked as they share a joint mortgage. To cut a long story short the trustee can then apply to the courts to sell the property to release the shortfall. IT IS IMPORTANT TO REMEMBER THAT DESPITE THE SMILEY FACES ON THE TELLY, IT IS THE TRUSTEES ROLE TO ACT IN THE INTEREST OF THE CREDITOR AND NOT THE DEBTOR. THE REASON THAT WE ARE NOW SEEING A DRAMATIC INCREASE IN ADVERTISING IS SIMPLY BECAUSE TRUST DEEDS ARE BECOMING A THING OF THE PAST AS FREE ADVICE AGENCIES ARE PHASING THEM OUT IN FAVOUR OF OTHER OPTIONS SUCH AS DAS WHICH IS DESIGNED TO PROTECT PROPERTY.

This is what DWP said to MSPs article from Evening times: http://www.eveningtimes.co.uk/news/dwp-man-told-you-are-talking-claptrap-124288n.21068511 TENANTS hit by the bedroom tax should either move, get a job, increase their hours or take in a lodger, it was claimed today. Pete Searle, Department of Work in Pensions, Strategy Director, based in London, stunned MSPs when he said there were smaller homes available. He told the Welfare Reform Committee four ways in which people could deal with the changes, which was then dismissed by one MSP as "claptrap". Mr Searle said: "There are 148 one-bedroom properties in the social sector in Scotland. There were 24,000 new lets in the sector, there are properties there. "Not perhaps all sitting empty at April 1 but there's been plenty of time to prepare for that. "There are a number of responses housing associations and individuals could make. Downsizing is one. "They could take up work in some cases, increase their hours or take in a lodger. "They can use the private sector and some people will choose to make up the shortfall. "I'm not saying this is easy but there are options." MSPs on the committee were outraged by the suggestions. Linda Fabiani, SNP MSP, branded it, "nonsense," and had to be asked by the committee convenor to let Mr Searle continue. Annabelle Ewing, SNP MSP, said it was like "Alice in Wonderland" Kevin Stewart, SNP MSP said: "I've never heard so much claptrap in all my life." Information from the largest housing association in Glasgow and a look at the labour market cast doubt on Mr Searle's assertions. Estimates in the city showed 15,000 homes will be liable for the cut of either 14% for one room or 25% for two or more, costing an average of £52 per month. Glasgow Housing Association estimates 6000 of their tenants would be affected and has a £16m plan to buy up to 300 smaller properties on the open market to meet increased demand. GHA said it currently has only 86 one-bedroom flats available for rent in the city. NG Homes in the north of the city said it had 1321 one-bedroom properties in total. It had only 15 which were currently empty, but some were under offer. A spokesman said: "Our void turn-around is five days and we don't have a lot of properties sitting empty." Queens Cross Housing Association said it had let out 112 one-bedroom flats in the whole of last year out of its stock of 1910 one-bedroom lets. The latest unemployment figures show Glasgow had the fourth highest level of people claiming Job Seekers Allowance at 5.7%, higher than the Scottish rate of 4.1% and the UK rate of 3.9% In Maryhill and Springburn the rate is 7.5%, the highest in Scotland. Many new jobs are part-time in the service sector, with studies and anecdotal evidence showing people want to work more hours but can't, with many having their working hours cut. The Office for National Statistics reported between 2008 and 2012 the number of workers who wanted to work more hours increased by 1 million. to more than 3 million. A recent poll by IPSOS Mori found 40% of people in work said they would take on more hours if they could. Michael McMahon, Welfare Reform Committee convener said: "There was a clear difference between the evidence the Committee has gathered on the demand and availability of social housing in Scotland and the DWP's understanding. "This is incredibly worrying. We will continue to push for answers." New Gorbals Housing Association let 20 one-bedroom flats in the last six months and have 1500 people looking to move into one-bed homes. It estimates 400 of its 2700 tenants are affected.

Hey is the deal still the same for Scotland? I'm about to write a letter for a ticket telling them to shove it, but want to make sure i'm not going to shaft myself. I am not the driver, just the registered keeper, I don't even have a driving license. Also the fine is for parking in a disabled bay when that was the only bay available to unload the van for a delivery to the shop. Seems pretty ignorant of the parking attendant to ticket for that. Just want to make sure there is no dodgy Scottish law that says I have to pay it, had a quick scout on the internet but cant find anything. Also this ticket says "PCN" isn't there legislation about making their ticket look like a PCN illegal?

Hi I'm new to this site and I'm wondering if anyone can help me please I defaulted on a loan that I had with Bank of Scotland in 2007. The debt was eventually passed on to Capquest and I agreed to pay them £10 per month which I have been doing ever since. For the first time in years I have just looked on my credit report and there is no mention of either Bank of Scotland or Capquest anywhere on the report, my question is... Do I keep paying the £10 per month or stop the direct debit? I have had no correspondence whatsoever from capquest for years and as I'm thinking of applying for a debt relief order I could do with knowing where I stand with this debt Many thanks in advance for your help

Hi I have council tax arrears going back about 2 years. I was in employment with an agency and the sherriff officers charles anderson arrested my wages. My employer paid the full amount requested. However charles anderson contacted my employer again, with a rude letter stating that they did not receive the payment, and that my employer had a responsibility to pay and that they would be liable for payment if they didnt deduct it from my wages. I contacted charles anderson again and explained that my employer had already made payment and later I received a letter from charles anderson saying that they had found the payment in their unallocated file. Dont ask me why my payment was in an unallocated file and why they had misplaced it because I had all reference numbers etc correct. I lost my job with my employment because they could not be bothered with the harrasment from charles anderson. To my disbelief a couple of months later (todays date)I received another arrestment order which is sent to same previous employer who I am now not with, this was for the other years arrears ( they had applied to the court for both years at the same time) I am in receipt of job seekers allowance and have a council tax rebate so why on earth have they applied to my previous employer if they know that I am in receipt of benefits and not working now. They have totally ruined me for ever getting a job with my previous employer again. Please help. They have pushed me into unemployent and are still ruining my chances.

Apologies if this is in the wrong place. I was made homeless with my teenage son in January. Council put us up in temporary [expensive] accommodation. As I work I dont get housing benefit. Anyway, I quickly found new accommodation through private letting. I was in the council flat less than 2 weeks. I handed the keys back in, got a receipt and gave them my forwarding address to contact me regarding rent owed. This was 17 January 2013. First letter I received was on 15 March 2013, stating I owed £660 and this was due to be paid in full within 7 days. I emailed them straight away saying I accept there is rent due however a) why has it taken 2 months to write to me and b) how has this figure been arrived at. About 10 days later I get a letter stating I owe them £144 and needs paid in full. No explanation, basically the exact same letter as the previous one only the amount differing. I emailed them back again and said I will not be in a position to pay it in their timescale however I will pay the full amount by 24 April, (my payday) In the circumstances I did not think this unreasonable. To contact me after 2 months, to give me an outlandish bill for less than 2 weeks accommodation, I could have stayed in a hotel for that amount. However I've just came home from work today to say the amount of £144 is still outstanding therefore it is now their intention of passing my account to sheriff officer. Financially its been tough to set up home on our own (me and my son), I have no family alive and my sons mum takes nothing to do with him and contributes nothing, so I dont have that sort of money to hand however I didnt think it unreasonable given how long its taken the council to contact me to state payment will be made in what is roughly 2 weeks. Their conduct seems so heavy handed and aggressive, their communication poor. They've never even explained why my bill was £660 now it's £144, surely that in itself is worthy of an explanation. Can anyone offer any advice?

I have an outstanding RBS credit card debt which has been assigned on to Arrow Global. My question is if the debt has prescribed as nothing had been heard of it for ages, until a recent letter from a CCA in Scotland. The last payment made by me was in Dec 2005. The debt was assigned to Arrow Global in Feb 2011. There had been no acknowledgement by me of the debt for over 5 years, so normally the debt would prescribe. However in Dec 2008 I wrote to RBS requiring penalty credit card charges on that account to be refunded, which were credited to the account. Also in Sept 2008 I made a s77-78 request to the then CCA acting for RBS in standard template form. Both letters quoted the account number, but not the amount outstanding. Do you consider that these letters constitute "the subsistence of the obligation having been relevantly acknowledged" in terms of s.6 of the Prescription and Limitation (Scotland) Act 1973 i.e. that the debt will not prescribe until Dec 2013? Thanks for reading.

https://www.gov.uk/government/news/scotland-leads-support-for-uk-armed-forces

It has been a long time since I've posted on this forum and to be honest I thought it had served its purpose well and that I had no further use of the advice from others. Indeed my most recent post albeit a while back have been in response to others rather than to seek assistance. I'm writing today to compare notes. You see I've not been troubled by debt collectors in a while but recently activity has recommenced and when I think back it is clear that they come in waves. I wonder if others are seeing similar patterns. Following advice elsewhere in this forum I stopped paying my creditors and commenced a tactic along the lines of "I repudiate this debt, prove it!" and I suspect that as a result most would be time barred if action was taken. So, I'm somewhat surprised that there is a fresh flurry of activity. My current tactic is to do one of many things that are all designed to hold them on the phone for as long as possible without acknowledging or confirming who I am. I feel that they are intruding on my time. Are probably on commission for funds collected and that if they realise they are wasting time with me they might bypass next time around and if not well I can be just as annoying to them as they are to me. I live in Scotland where a creditor has 5 years to raise legal action after which the obligation of the debtor to settle with the creditor lapses. My most recent default was issued in July 2009 but this relates to a debt purchased by third parties who issued a fresh default after I disputed the matter. This in its own right was wrong as a default cannot be issued whilst the matter is in dispute. Most other default notices were issued a few years earlier. I have not acknowledged any of these alleged debts since 2007/8 and so most are time lapsed and others will lapse later this year. One of my creditors did raise legal action a few years back but withdrew when they saw my defence. I seriously doubt that the others will ever raise action and if they do I'm suitably prepared to lodge my opposition. I guess that even though the obligation to settle may have passed that this does not stop a creditor persisting in their efforts to collect and passing the account from one collection agent to another and this explains my waves of calls every six months or so. What about you? Do you see a pattern with my experience described above?

Hi guys; I was flat-sharing with two brothers, but I have decided to move out. The police raided our flat and found evidence of major crimes (I won't get into particulars for fear of compromising an on-going case) within the premises. I was totally stunned by all this as I had no idea, but ended up spending two days in the cells until I got liberated by the PF. Given the severity of the charges against my flatmates, plus the real possibility I maybe called as a witness against them, I have moved out and taken all my belongings, taking a witness with me at all times to cover myself. In short, my deposit of £267 has not been deposited in a rent deposit scheme. I specifically texted the landlord requesting that my deposit be secured via this system, as was the law. I got a long convoluted text from him outlining that he had an alternate system whereby one of my other flatmates had it, and so he was responsible for the deposit. I knew this was nonsense, but my flatmate explained that he would give me the balance, and he would be remibursed by the landlord. This seemed to make sense, given that the landlord lives down in England. Some crucial facts: 1) I have contacted the landlord by text and intimated that I have moved out the property. I have told him exactly what has happened and explained that I want no further contact with my flatmates at all. As such, I want the landlord, and the landlord alone to return my deposit, or some representative of his. 2) I have a reciept from my flatmate concerning the deposit, which was signed and dated on the day I handed it over. 3) I have the tenancy agreement that specifies the landlord will deposit the money in a rent deposit scheme. He hasn't. I am currently on benefits and tbh,what little patience I had for this has now gone. I don't want these guys profiting especially after ruining my life! I don't want to be out of pocket with all this. Can anyone advise the best way to proceed?

I'm wondering if anyone has a number for LLoydsTSB where I can contact them about my account being transferred to LLoydsTSB Scotland. Briefly, my account is held at my previous branch in Somerset. When I moved to Shropshire, I asked to transfer my account to the local branch but LLoydsTSB refused saying it was not necessary. I have used the local branch in Shrewsbury for the past five years with no problems. However, my branch in Somerset is being transferred to LLoydsTSB Scotland along with my account. None of the local branches in Shrewsbury are being transferred which leaves me without a local branch. I really want to find out where this leaves me. I've banked with LLoyds for 45 years and I'm feeling a bit miffed about this.

I have recieved a court summons to Inverness Sheriff Court in Scotland. The pursuer is Marlin Europe. Return Date is 13/3/2013 hearing 27/3/2013 Statement of Claim states " On or about 13th July 1990 Clydesdale Bank plc suppied the Defender with an overdraft facility in respect of account number 12981775. The amount overdrawn was repayable on demand. I have several letters over the years relating to a debt of £2252 to Clydesdale Bank and then to Marlin. I have to the best of my knowledge never aknowledged the debt or payed anything towards it since the joint account this debt was on was withdrawn by the Clydesdale Bank on 23/5/2007 as a result of my wife's sequestration (the other party on the joint account). Interestingly and key I think is the fact that I did not marry my wife until 1999 was not on this account as a joint signatory until around then. So I definately did not take out a overdraft with the Clydsdale in 1990. I banked with TSB until I married. I think I have a defence here a) that I did not take overdraft being pursued in 1990. I didnt bank with Clydesdale at this time. b) The CAB suggested that as I have not acknowledged or payed anything to this debt since 23/5/2007 this debt under Scottish law is Time Barred. But that's not quite 6 years.. ?? What are my chances of winning? . How best do I present this evidence to court, what evidence do I need to gather and how do I defend myself ?. If I lose how much more than £2250 is this going to cost me.? Any advice gratefully received. Thankyou.

Hi, Recently I received a letter from my housing association stating I had arrears of around £100. I thought this was rather odd as I have lived in this property for 12 years and have claimed housing benefit (I'm severely disabled) to cover the full cost of the rent for the entire duration. On querying the arrears (while not acknowledging them) I was told they were for the first couple of weeks of my tenancy before my housing benefit began to be paid. This is probably down to a HB error on the date of my entry into the property. I have no problem in principle with paying arrears, but in this case it is rather annoying that they have waited until now to inform me, as I assume that after all this time the HB dept will not be interested. So my question is: Given that these arrears are seemingly from 12 years ago are they statute barred or because my tennacy is still current are they considered to have, in effect, rolled over every month until now. Thanks,

Hi everyone; I'd like some advice regarding a council tax debt that is being pursued by Rossendales. I moved to England to live with my girlfriend as she was studying down there, lasted all of about 7 months. This was about February of 2012. (edit.) I moved out of our flat in February and back to Glasgow where I've been since. A month or so ago I had a letter from Rossendales hit my door step saying I have a debt to the council! I spoke to the council and Rossendales informing them I had no court summons or any information about the alleged debt. I was told that they only have to send the summons to the last known address (even though it was Lincoln city council who tracked me down over a year later!) I asked if they could track me down AFTER the court case, what stopped them doing it before? No answer, repeated themselves saying they were only obliged to send to old address (not much use to me). I'm a student, unemployed and living off of approx £50 a week (less than JSA). I was wondering if a English court order could be actioned in Scotland? What upse The total amount is a little over £160. I've asked Rossendales to allow me to set up a plan of £3 a week, they declined so I told them I wouldn't deal with them and I'd pay to the council the £3 a week via their online payment, spoke to council who wouldn't do anything because "the debt is with Rossendales now" BS. A little of something is better than a lot of nothing, right? I also live in a shared house with some family, there is a car parked on the grass of our small front garden, it's broken down. This car is owned by a family member and doesn't belong to me! It has outstanding finance on it, regards to proving beyond all reasonable doubt, does the bailiff have to call DVLA to find ownership? Oh, they've sent me a letter today saying it has been assigned to an "enforcement officer". What upsets me more is that they try to make this cowboy bailiff sound high and mighty. If we want to do that; I am known as an education enforcement officer. Anyway, any advice you have would be great. Thanks.

Location = Scotland My Sister bought a Renault Scenic for £3,000 from a small dealer 100miles away (day 1). On day 2 it broke down with INJECTOR FAULT displayed on the dash, and was recovered to a small local garage who managed to get the car going (this work was authorised by the dealer and has been paid for by the dealer). Day 5 the car broke down again, and local garage attended and got it going. Day 7 the car broke down again and sat at my Mother's until it was recovered on day 14 by local garage, and they got it going. Day 18 the car broke down again, and local garage attended and got it going. My Sister then visited a local small Renault specialist for advice, and they advised returning to the small local garage and having a "pump" swapped from a donor vehicle as a first course of action; further advising that if that didn't rectify the problem then it would indeed be the "injectors" which needed replacing at a cost of over a thousand pounds. Having the "pump" swapped, the car broke down again on day 20. My Sister wrote to the dealer she purchased the car from, a "standard letter" dictated by Trading Standards (Sale of Goods Act 1979 etc). After a week or so they recovered the car the 100miles to their location, and kept it for several weeks before telling my Sister it was ready for collection. My Sister travelled the 100miles by Train to collect the car and when she got there the dealer wouldn't let her take the car away unless she signed a letter waiving her rights to any further warranty claim. As my Sister is the sole carer for my other (wheelchair confined) Sister, and my elderly Mother, she reluctantly signed and drove off. The car has broken down several times since, and has been got going by local garage. The dealer gives my Sister and my Mother abuse when they phoned to complain, and told them not to ring him again, further threatening to take my Sister to Court, and saying the fault with the car was caused by UNAUTHORISED REPAIR from my Sister's small local garage, which the dealer in fact authorised AND paid, and from the car being used WITH FUEL TANK EMPTY/ALMOST EMPTY. My Sister had to hire a car whilst hers was back at the dealer for several weeks as she has to have transport to care for my other Sister and Mother (the 3 of them live separately). My Sister has seen a local Solicitor who has been less than helpful, and keeps fobbing my Sister off onto her trainee. What are my Sister's options regards refund, forcing a repair, getting it repaired herself and claiming from dealer, costs for hire car, etc.... Any and all advice would be much appreciated.

I have recieved a fine for overstaying the 2 hour stay in Morrisons. Normally, I would ignore this as I understand it is unenforseable in Scotland. however as I drive a leased car, notification has gone to my employers who intend to deduct the fine from my salary and pay the fine. How should I proceed?

Late 2010 I met an old female friend of mine who was going through a divorce (we hadn't met for around 30 years) and she decided that she wanted to come out to Canada from the UK to get a way from everything. Without much consultation with me she arrived and stayed for five weeks. At that time I was moving into a new apartment of my own and was about to purchase furniture on a rent to own basis. My 'friend' went out and bought a whole set of furniture and fittings against my wishes. Over time she has insisted on me repaying the money back that she spent of the F&F. I told her often that I would sell and send her whatever I got as a result of the sale. Each time she insisted that I don't sell and agreed that I should make monthly payments to her Barclaycard. I made one payment which was rejected by her as she is now re- marrying and is demanding that I send her a lump sum in the amount of $20K (could be GBP - not sure) which I do not have. She is threatening legal action to get her money back but my stance is that as she has said often 'I own everything in the apartment' and therefore the F&F are hers to sell and recoup some of what she spent on the items. It's not like I have sold the items for any profit -they are still in the apartment, they belong to her and I really want 'her property' out of here. She willingly paid for me to fly to Scotland not long after we connected in 2010. When she asked me to come over I replied 'no' as I didn't have the funds to do so at the time but she insisted on paying to fly me over so that we could meet. She did send two money transfers for approx $2800 (rent payments) which I have continuously agreed that I should repay. The 20k she claims is my debt to her includes the furniture, the two rent payments, flights and hotels amongst other undefined items. Now she is threatening to sue for repayment. If she files/sues in the Scottish court would I be required to hire a Scottish lawyer and fly to Scotland to fight the case or would the case be heard in Canada? I believe there maybe a 'jurisdiction' issue with me not being a UK resident and have also heard that she cannot sue someone in Canada through the Scottish court. She has been silent for over two months but today she indicated by text that she had a lawyer and the DSS (didn't think that department existed any longer)chasing me through my parents. She also claims to have contacted a Canadian DCA to try and recover what she perceives as my debt to her. What can the Canadian DCA do if as she says they have been hired to in an attempt to recover the 'debt'? My apologies for the long-winded post but I wanted to relay the facts as accurately as possible. Any comments or advice would be appreciated. Thank you. 5scot6

Many of the several thousand Scottish homeowners taken to court for mortgage repossession over the last few years, have had their cases dismissed and then re-raised for technical reasons. Govan Law Centre believes they may have been unfairly charged twice for their lender's legal expenses along with additional administrative charges. GLC's Principal Solicitor, Mike Dailly said: "Where a lender has raised incompetent proceedings, or deserts those proceedings to re-raise again, how can they reasonably expect their customers to pay for being taken to court twice? We think passing on these repeat or double charges to Scottish consumers is clearly unfair in relation to the Financial Services Authority's (FSA) Principles of Business. The extra costs involved here add up to many millions of pounds which Scottish homeowners should not have to bear". The reclaim mini-site is available online here. Who pays for repossession actions dismissed and then re-raised? If you've been taken to court in Scotland for mortgage repossession, and your case was dismissed and then re-raised for technical reasons, you may have been charged twice for your lender's legal expenses, along with additional administrative charges. Lenders generally add their legal and enforcement costs onto a customer's mortgage. This free site explains how you can complain and try and get the costs - which can be several thousands pounds - refunded or deducted from your mortgage account and balance. In Scotland, several thousand cases have been affected by, or dismissed in light of, the UK Supreme Court decision in RBS v. Wilson [2010] UK SC 50, and GLC's case of NRAM v. Millar 2012 SLT (Sh Ct) 58. Sometimes lenders have chosen to dismiss proceedings to avoid any potential competency challenges, and then re-raised them in court. However, all of this work has to paid for by someone, and we don't think it's fair you are charged twice!

Hi I have now sent two letters to bank of scotland claiming and explaining my current financial hardship, requesting that they refund bank charges that have been applied to my account since 2005. The first letter was sent feb and the second in may but i have had no reply. What can i do?

Hi all , hope some one can help here, my mother in law has been over charged for 10 years with her council tax because her discount wasnt applied for living there herself, now she has arrears of £2000 , the council thought her daughter was living there , thou she was living at her own address paying her own council tax what can we do to sort this because if the discount was applied she wouldnt be in the debt they are chasing. many thanks

Hi all Still trying in vain to sort out my financial mess - now made redundant Bank of Scotland (£7378) Halifax (£5476) Wrote to all lenders - (had never missed a payment until my circumstances changed) I received some inheritance, wrote to all lenders enclosing inheritance letter as proof of lump sum received. Offered all lenders the full amount of my inheritance split by % to each lender and only 1 accepted (creation bank) Halifax have ceased collection activity advising me to contact them when my situation changes Bank of Scotland sending me lots of nasty letters and now a default. But in response to my letter asking to full and final settlement bank of scotland sent the attached (obviously an admin error as they say balance is £0.00 and must be paid in full.) could i use this as a tool to negotiate or would this be accepted by a court as an admin error on their part ie making me liable to pay all debt. Fingers crossed I manage to secure employment soon, stressing out with all this debt hanging on me [ATTACH]39287[/ATTACH]