I have been putting a lot of creditors off for over a year now but the defaults are really starting to hurt. I want to take on Barclays first as they sent a copy of a T&C booklet as their s78 response (as I know they do quite a lot). I also asked them under pre-litigation discovery and data protection laws to provide me with a full and exact copy of a signed agreement and they haven't bothered. I want to issue against them and had a quick look around the site to see if there are any template POCs I could use as I seen a good one around somewhere but cannot find it now. I need help with the particulars of claim. Thanks.

Me and my partner have been fighting Npower since the start of 2007 and it is still ongoing. When I met my partner 2 1/2 years ago she had a token meter and one day I went to put one of her tokens in to find that she had a debt on the meter of around £860 being taken at £3.02 a week. She was unaware that there was a debt that high on the meter and told me that it should have only been around £64 from when she changed from a credit to a token meter but thought it had been paid off through the meter a long time ago. We opened up a complaint well what a song and dance that has been. customer service have not been any help. one tells me one thing and they can do this and that while another says they can't. mid 2004 credit meter was changed to a token meter with a debt on an old bill found of £64. however once the complaint was opened Npower said they need to look at the meter e.g. take it out and put in a key one as they said old one maybe broken. We then find out the meter wasn't looked at and looking further into the account the debt is actually £1680 of which they can on the old meter only put a debt on of £999 as thats all it will allow on one go. this has gone on now since 2007 to the point we spoke to a manager on the phone for an hour and she said well you must owe it. Before speaking to her 1st April gets our quartly statement december 7 to march 10 bill was £1448.99 on the 3rd of april gets a letter saying that the debt of £1500 will be taken at £10 a week and added to the token key in a few days. We as manager why it has gone up £51 and she said it could be emergency credit. but it cant be right that from 10th march to april 3rd that it would be £51 She went onto say that a warrent of exacution was sent out to force a token meter in march 2006, however my partner phoned up june 2006 to ask why there was a warrent (this was logged on computer) when she already had a meter and they came march 2006 to change the something on the meter and gave her a new card. The manager said there was a new card around that time but we would have to send that old one back in to prove our case. partner said that the old card was sent back to them in 2006 as they requested in writing to send it back which they still do now because when we went onto this new key meter they wanted our old card sending back to them. She told us to put everything in writing explain everything and the back dated statements we had been asking for over the course of 2 years for 2004-2006 and mention this managers name so they know we spoke to her. Now the other day we were told we still owe the debt they are not looking into it anymore now and if we want the back dated statements from 2004-mid 2006 they are £35 each statement which would cost us around £350 Is this right can they actually charge £35 per statement I thought under the data protection act (subject access request) We are allowed for a small fee to have copies of whatever information companies hold on you for a fee of around £10?? She went onto say that they dont have to prove we owe the money we have to prove to them we dont how the hell can I do that when they wont release the information as we haven't got electric statements dating that far back. What Npower have tried to say is that we had a credit meter in from 2004-2006 and never paid them (hence the warrent of execution to force one in march 2006) although there was already on here. They haven't answered the question if we didn't pay electric for 2 years you would have cut us off.

I started an Access to medicine course (level 3, basically A levels, but a bit easier than A levels) in September last year. I received the highest possible grade in all my modules except one. The possible grades are as follows: pass, merit and distinction. In general for these types of course a pass = above 40%, a distinction = above 70% and a merit is in between. However, instead of % grading they have very subjective grade criteria, from which the marker gets to choose a grade for each criteria and then average them all for the final grade. The module in question was a research paper, in which I got a "pass". The requirements called for a 3,500 research paper. We could have covered anything as long as it was related to medicine. Normally the projects are marked by one particular tutor, but this year another tutor marked half of the projects and the work was split between them. My work was marked by this new tutor, who was my project supervisor. My project supervisor gave me feedback on my final draft on the day of submission, and she did this to at least 3-4 other people. I implemented her suggestions (even though a few of them had nothing to do with the aim of my project - which suggested she didn't know what the aim of my project was). Some of these people got extensions from the course coordinator due to the last day feedback, but as my supervisors suggestions were brief and she never indicated that she thought my project was in trouble, so I submitted it. Throughout the year I got the impression she had not read any of the drafts I had sent her because her feedback often asked why I hadn't included certain information in my project, information that was actually in the draft in her hand - she just didn't read it and had obviously just skimmed it for a minute. Before I handed in my paper, I sent it to an A level extended level project tutor (a very similar piece of work) who went through it for me. She offered me advice on how to improve it, and said in its current form it is worth about an A/A*. I made the suggested improvements and handed it in. When I found out that I got a "pass", I immediately went to my course coordinator to complain. He told me it is very unlikely that it will be remarked by someone else, and kept implying that I just don't like my grade. He took me to see the project to make sure the grades on his clipboard were not just misrecorded, and I had indeed got "passes" in pretty much all the grade descriptors for my research paper. On the back of the grade paper there was a brief 4-5 line comment on my work from the person who marked it. The comments only said positive things. I confronted my course coordinator about this, and he came out with "we focus on the positive here". He looked at it and said "well, looks a bit brief to me. Maybe that is why you got that grade. It seems to be clear and concise with no waffle, but maybe you didn't have enough content. How many words is it?". My paper was 5,652 words (before references and table of contents), 2,152 more than required. We were told we were allowed to go over. He said the most he can do is pass my comments on to the person who marked it, but I'm not getting a remark from a different person. This is another defense he used to avoid giving a remark: We even have an external moderator” I was told, “who looked at a number of the projects”. I suspect their role is mostly to make sure that the college isn’t handing out distinctions to people who don't deserve them (which would devalue the course and course's designer and validator). These external moderators do not do blind, independent regrades of work which are then compared to the original grade to see if they match. GCSEs and A levels also have external moderators, but this is not used as an excuse to not have another person look at work that is in question I opened a formal complaint with the college, which said they would investigate if "our assessment and moderation procedures were followed". I asked if this would include another person who wasn't involved in the dispute taking a look at my research paper, and they responded with "As this is now part of the college complaint process I regret I am unable to discuss any aspect of it." They have not told me the outcome of the investigation yet, but I want to know what my options are once they have responded so that I can prepare.

In August i picked up a friend by entering holiday inn carpark, in the morning to take her out for the day. In the evening I dropped her off in same manner. I didnt park and never left my vehicle. A week later Parking eye sent me a fine for parking for 13 hours! I wrote a simple letter back explining the above, and included a voucher for crossing the Severn bridge TOLL as we were in wales all day, and thought no more about it til court papers arrived a fw weeks ago! I sent the same info to the court explaining above and again as it was done online, I told them I had the voucher copy etc Today ive received another letter from PE saying they are pursuing the court claim as they have no evidence at all of me leaving the carpark and returning in the evening. Ive enquired with the toll company if they have cctv of my vehicle crossing the bridge but sadly they only keep their cctv 90 days so I see no way atall of "proving" I wasnt in their carpark. Any ideas? Desperate!

Hi all! Is it illegal for a subcontractor to take photos inside my house and send them to the landlord? For a bit of background/detail - I am finally (after five years of waiting) getting a new kitchen in my Housing Association home. Today one of the subcontractors took a photograph of my cat litter tray and sent it to my landlord claiming that there was a smell of cat urine and faeces which made it intolerable for them to work in my property. I have several issues with this - firstly I was totally unaware that this had happened, I was not asked permission by the subcontractor for him to take any photographs, nor was I aware that this had even happened until I received a telephone call from my landlord regarding same. Secondly, the cat litter tray was in the downstairs cloakroom - separated from the kitchen in which they were supposed to be working by a utility room and a closed door. The smell from the tray is minimal and was not even detectable from the kitchen, which was the only place I was aware they were in. I did not give them permission to use the toilet, nor did they ask. Thirdly, because I was totally unaware that any photographs were taken, I have no idea how many were taken, and of which parts of the house and/or my personal property. Is what they did legal? and if not is there anything I can do about it.

Hello everyone My case is rather lengthy but will make this as brief and direct as possible; - entered into a 24 month contract with Vodafone with an iPhone 5S in Sept 2013 - up until Nov 2013 the signal in and around my house was fine then from mid Nov 2013 until present I have been unable to make or receive calls or text messages whilst inside and partially outside my home. - New build home, flat surrounding landscape, no obstructions and no new buildings erected in this time. The phone mast is 350m from my home. - went into Vodafone in Nov 2013 and August 2014 to formally complain and via telephone in June. Told by reps that my complaint would be formally logged and a Vodafone rep would contact me. This never happened. Told maintenance work was on going. - during this time I have tried my sim in 3 different handsets - the same happens. With all handsets. I have a business mobile on O2 which has perfectly during this whole time. - in November 2014, during another complaint call I was informed none of my previous complaints had been logged and was formally told I had to write to Vodafone. The first I had ever been told. In hindsight, I could have researched more but I was under the illusion from Vodafone reps that my complaints had been formally logged and told technical guru's were working on the system. - Formally complained as per instructions in November 2014. Offered £100 credit for a Sure Signal box. Throughout this whole time until present the worst customer experience and service I have ever had the displeasure of writing about. - Request to cancel contract without termination fee refused. - I have complained to Jerome Heonca,ps office, and the Ombudsman. The Ombudsman have apparently investigated my claim and offer the same resolution as Vodafone. - I have decloned the Ombudsmans resolution and asked for my case to be further investigated by a senior Ombudsman. - Vodafone have not had a Sure Signal box in stock since the end of Nov 2014 to the present day, so how can they resolve this with a Sure Signal box when they have not had any for 4 months. Any advice regarding small claims court - I am going to claims for half my monthly line rental back as I have estimated I spend half my time per month at home - interest on this and the right to terminate my account free of charge. Legislation being considered - Vodafone in my view have breached their own contract and the Supply of Goods and Services Act. Any thoughts?

Hi I was hoping the board can help, today i received Signed credit agreement from Northern Rock, which has the details as stated on one page, which include - interest payable, loan amount, total payable, interest, also signed by me and them. The problems now with them will only escalate as they have been most unhelpful to date and I think they will now start to hassle me for money I do not have. Any advise would be grateful. Thanks

Hi. It's a very long story but I bought an e60 bmw from a dealer. The dpf light came on. He took it back to get repaired. they are taking forever and constantly give me false information as to completion date. Almost two weeks passed and they're refused to give me a courtesy car. Then I threatened to take legal action and they suddenly had a courtesy car It was dropped off yesterday by a very rude dealer. I asked him if the car was safe. He said yes. I asked if it had even checked. He said yes. He made me sign a form stating the cars conditions. And then made me sign that any physical or mechanical damage to the car while in my possession is my liability. Fair play. I would only have the car two days and I'd be very careful. As I'm driving home. The engine light comes on. The whole car starts shaking like mad and goes limp. Few minutes later. It goes away. Then a few mins later. It happens again. Now, this is CLEARLY not my fault and I feel this dealer gave me a knowingly faulty car so he can get some more money out of me. I do motorway miles so imagine if the car went limp on the m25? Yes I signed the form but a car with the "service!" Warning and a sudden engine light and shaking issue surely cannot be my liability. I contacted him and told him what happened and his immediate response was "I TOLD YOU the car is your responsibility. I TOLD YOU you'll have to pay for repairs. I TOLD YOU the car was fine before I gave it to you" What can I do? I'm getting such stress from this rotten dealer. Not only has he kept my car for two weeks for a dpf issue he is rude and has now set me up in this trap of a car. I know he's going to try and make me pay for the repairs to the courtesy car. Even though no human can destroy an entire coil pack by driving ten miles. It was on its way out. And he is not listening to that just trying to make this my fault. As they still have my car I am reluctant to give him a piece of my Mind because trust me I want to have a massive go. But I'm so afraid that they'll Mess up my car even more and then give it back. Then take no responsibility. I can't reject the car. It's on finance and motonovo have said they won't cancel the agreement. And I can't go down that road of hassle at such an already stressful time in life

High Street retailer PerfectHome has been fined for making some customers hand over their house keys before it delivered their purchases. PerfectHome is a rent-to-own business and has 67 stores across the UK. Hull magistrates court convicted the company of aggressive and misleading trading practices after more than 50 sets of house keys were found at the firm's store in the city. PerfectHome said it disagreed with the verdict and planned to appeal. It blamed a previous store manager for a "rogue practice" that was not company policy. Misled customers Under the rent-to-own model, customers take out an agreement to buy a product, and then pay weekly instalments until they own it - similar to hire purchase agreements. Hull city council's trading standards team launched an investigation into PerfectHome after a customer complained that she had been pressured into giving her house key to them before they delivered her television. http://www.bbc.co.uk/news/business-31440752

When a car is clamped and control of the goods has been effected. Who owns or is responsible for the vehicle? I have just had my car clamped for non payment of a parking ticket. My fault I know. The car is worth much less than the amount I owe, and I don't mind them taking it. It is now on a public highway. If I can't use the car, and they don't at this stage seem interested in taking it to auction. Why should I keep it insured?

The new bailiff regulations came into effect on 6th April and bailiff fees are strictly controlled and comprise of a Compliance Fee of £75 which is charged when the debt is passed by the creditor. If payment is not made or a payment agreement entered into during the ‘compliance stage’ a bailiff may attend the debtors premises and an Enforcement Fee of £235 is chargeable. Significantly, the new regulations provide that from any payment made (whether to the bailiff, the magistrate court or the local authority) the Compliance Fee of £75 is deducted first with the balance being split on a ‘pro rata’ basis between the debt to the creditor and bailiff fees. This novel approach means that unless the amount due (including bailiff fees) is paid in full, bailiff enforcement may continue and it is this point alone that has caused extreme difficulty to some ‘debt avoidance’ websites with associations to the Freeman on the Land (FmoTL) movement and 9 months after the regulations came into effect it is astonishing that debtors are continuing to be advised by such websites to avoid paying bailiff fees by paying the amount of the Liability Order or court fine only (minus bailiff fees). Despite the regulations clearly outlining how payments are to be calculated, in May/June an individual made numerous Freedom of Information requests to Local Authorities seeking clarification as to how they deal with direct payments made to them after accounts have been passed to bailiffs. Since that time many more FOI requests have been made on the same subject and the up to date position is that approx a quarter of all local authorities have received requests on the same subject. What has been the outcome of these Freedom of Information request? Typically, in the very early stages (May and June) most responses made clear that the local authorities had very little idea as to how the new regulations would work in practice but, since August/September the vast majority of responses confirm that they apportion the payment as outlined in the legislation and that they advise the bailiff company accordingly (or credit the bailiff company) with the payment. PS: It is likely that there are far more FOI requests than outlined here. I have only referred to those that are available to view publicly on the FOI website: What do They Know.

I received a letter today from DWP that they have taken out a Direct Earnings Attachment on me for debts which are over 15 years old! Looking through some of the threads on here it seems that it is legal but is there anything I can do to stop it? Would a SAR be any good to see if they can provide a copy of the agreement or am I just screwed?

i had a virgin media account where the contract ran out in may 2013 which i cancelled by post and phone. i then changed to sky. i had not been receiving my bank statements for a long time and went into branch on tuesday and got a print out of last 3 months. i noticed on there a dd going out for £50 to virgin media which i then found out had been going out since may 2013 to vm. i was confused as i have been with sky since june 2013 and been paying dd for them ever since. i have had no coresspondance from vm that im their customer no bills nothing. i contacted them by phone last night which was a foreign call centre. they have no record of this. i contacted them by online chat today. spent ages talking to them and then was told to go to onlinee chat to complaints department. complaints said theyd not heard from me since 2012 when broadband wasnt working. previous online chat said phone was disconnected but not other services in may 2013. why would only the phone be disconnected??? when its a sky broadband and tv package i have both with vm and sky? i brought this up and complaints person said no it wasnt done by you but by another company and are refusing to give me my money back. i explained i had called and written a letter. they said i hadnt. and unless i have a recorded delivery tracking number tehy will not refund me. i explained i had called them last night and they had no record of this. so maybe they did not have the record of my cancellign. they said 'no theyve done nothing wrong and they wont refund my money'. it is my fault i didnt notice but i have been under a substanstial amount of stress. i truley believe i did cancel it but did not cancel dd with my bank. i have a clear credit record and am applying for a mortgage which i have worked very hard for. i have spoke to my bank also who are refunding the money under the dd indemnity. what shall i do now? i dont want to messup my credit history but its £800 of payments for a service i did not use. They have sent me no bills (they said theyve sent them by email but i have none and my email is active and i check everyday) i have received no post from them nothing. the online chat man said he is disconnecting it from today and started my 30 days notice. i have no vm stuff in my house at all and it fully on sky. what i do please? need help urgently with this please. worried it wil affect my credit status for my house.

I could really do with some help. I am at my wits end and banging my head against a brick wall. I need to know who I can go to legally to help me with this as I have no confidence that I am going to get anywhere through complaining directly to Student Loans Company. I enclose the complaint letter I sent below to SLC which should give you a good idea of what the issues are: I write to complain about the shocking level of service I have received over the past 5 years and the fact that you are still taking repayments despite the fact I paid my loan off years ago. I first complained in 2010 when I noticed that deductions had started to be made for student loans once again, despite the fact that I know I had paid this off in about 2007. (I went to Uni 1998 - 2001) I worked for the same company from 2002 to 2007 and during this time earned more than enough to pay the loan off – I was earning between £50k and 90k at the time. I remember calling the loan company 1 year before it was paid off and working out with you how much was left so I categorically know that I did pay it off, and indeed made a few months of over-payments. In 2010 when working for a new company, I noticed on my pay check that student loan deductions had started to come out again so I called you and was informed that for some reason, for tax year 2004 – 2005 and 2005 – 2006 there was no records at all from HMRC about deductions. I looked through my files and sent you through what payslips I had which clearly showed massive deductions for both of these tax years, one of these pay slips is from the end of tax year 2004/05 and shows the accumlative amounts of what I had been paid that year and my tax deductions - i was confident from this that you would therefore be able to work out what student loan contributions I had made. Not long after I left work and fell ill and didn’t work for a few years so obviously wasn’t paying any student loan deductions and it became something I didn’t worry about as I had my illness to try and recover from. I have recently started working again and noticed once again these repayments being taken. I called up and was told that the amount I owe has reduced as finally, 7 YEARS after, HMRC have finally submitted info for tax year 2005/6 – so here is evidence that the system doesn’t work as this should be submitted the same / following year and has clearly been lost in the system for 7 years. I have now been told that the only way you will do anything is if I can provide evidence to show the payments made. I am astounded by this for the following reasons: 1) It is not my responsibility to inform you of what payments I have made – this falls to my employer, HMRC and SLC. 2) The fact that I don’t have every payslip from 10 years ago should not make me accountable for the fact that you don’t have the information and therefore I will have to keep making payments 3) It is clearly your system that is flawed and its fundamentally wrong that I am a victim of that. YOU should do something to improve your system and rectify the error that has clearly been made on my account. 4) All of the evidence that you do have – the payments I made in preceding and subsequent years plus the 3 payslips you do have for tax year 2004/5 all point towards the fact that you are missing information NOT that I haven’t made repayments. It is also abundantly clear that the amounts I have paid show that the missing amounts would more than pay off my loan. Again, this is YOUR fault and I should not be made to pay for this. TO make matters even worse, the employer I had in 2004/5 is no longer in existence so I cannot look to them for answers either! My financial situation is vastly different from that of 10 years ago. My illness caused me to not be able to work and as a result I had to go bankrupt in December 2014. Clearly, having loan deductions wrongly taken from my pay currently, is having more of a negative impact on my life when I am doing my best to recover from what was an awful time for me. I now feel like I am in a nightmare because neither you nor HMRC are willing to take any responsibility for your errors and the only person this is having a consequence on is me. Your system of compulsory payments is flawed and unethical because regardless of the fact that it’s your system and processes that are flawed , it is me who has to continue making payments and you seem to be quite happy with this! It should not be my responsibility to give you evidence of my payments when the system has never demanded this of me before. Clearly if I had known I should keep payslips from 10 years ago “just in case” the organisations I have trusted with my money really mess up, then I would have!!! I will be taking this further and seeking legal advice, I have also approached BBC Watchdog who I know have already investigated similar stories to this. Finally, I am disgusted by the lack of customer care – in that I have contacted you numerous times over the years and 5 years on, I am no further on, and not once have I received correspondence from you on this matter – it has always been me who has had to contact you. You did not even have the courtesy to inform me that you would not be doing anything further on this as HMRC couldn’t provide you with any evidence. If I had not called today, I would have only realised this to be the case when another deduction inevitably comes out of this month’s pay check. I have been asked to resubmit the evidence I sent to you in 2010 (which for some reason only went on to your system in March of 2013 – 3 years later) which I will do this weekend. I trust it will not take yet another 3 years for it to be considered and look forward to hearing from you soon." Can anyone point me to anyone who could help?? I have worked out that they must owe me at least £3k and still continue to take money from me every month. Is there any way I can stop the payments from happening until this situation is rectified?? Surely they just cant keep taking money when its blatently obvious that the mistake is theirs, not mine?? Please help!

I very foolishly took out log book loan with Mobile Money and very evident that they are not type of company to help people. I have learnt that they break alot of CCTA code of practice.. and as there is no proper legislation there is not much help out there for when my car was repossed. I have followed every procedure got bona fide debt advisor that log book loan company should recognise and put an account on hold mobile money would not accept. I applied for time order and day after documents sent to them they went to another county were car was hidden and took it without any keys on back of a car with hand brake on etc. The collector wasn't sia regulated just another to add to long list of mobile money being above the law. Well I have court date and looking into going to media this week. These companies are just doing there own thing and need stopping. Luckily I have backing of citizens advice who are legal advocating on my behalf would love to hear if anyone else has concerns or took mobile money to court. I am hoping to lobby my local mp for all log book loan companies to apply to court before they repossession as ccta are being ignored. Any advice much appreciated! !

(( this was from a different thread)) Hi, I have the same issue here, but I know that I owed this to them that was back in 1991, I went for an interview with them and at that time I was back in full time work, I took my cheque book and after I was interviewed offered to pay the full amount back there and then, £369.00, I offered to pay this there and then on the spot, the guy who interviewed me advised me 'we will forego this and will write this off' they have contacted me 3 times since then and I have phoned them and they still will not listen to me, I am disputing this and even if it is against the DWP/Government can they still take this from my employer whilst this is in dispute? I cannot afford any more deductions from my wages as I am on minimum wage at the moment due to the last 5 years undergoing treatment for cancer, and I am still trying to catch up with all my other creditors. Is there anything I can do, any help, advice would be greatly appreciated and thank you.

Hi just wanted some advice please. took out a loan with Citi Financial in 2003, ran into difficulties in 2007. Tried to contact them but number was discontinued, i went to their Hull office and found out they had moved out of Hull. i tracked them down by ringing around and waited for them to contact me after leaving my details. I waited and waited and waited, rang them again. still no reply I thought you can whistle for an arrangement till you contact me. They got in touch with me in 2009 and i paid £30.00, then nothing until now. Arrow Global have instructed their solicitors called Restons. They rang my ex husband at work today and left a message for him to ring them. Ex not happy and contacted me to ask who it was. I rang them and was told we owe £5k and can i pay today. I have asked for paper work and they want to charge me an admin fee of £20.00 or they wont send me anything. I have checked my bank statement and did pay £30.00 but have paid nothing else. Should i make an arrangement to pay as they say this will stop any court action. thanks in advance, Debbie

Hi, just want to say you guys do an amazing job with all the information and advise you give. To cut a long story short, my parents have a property portfolio of a few properties with Natwest bank on a commercial loan. Unfortunately in 2010 we lost my mum, Natwest have wanted to breakdown the contract due to my mothers death and want to increase the interest rate to a much higher rate almost making it impossible to make repayments. Our previous lawyer has managed to delay the case up until now, we havent signed the new contract as of yet, however natwest are pressurising us even more with threats to default our account. We have kept up with payments as stipulated in the initial contract. we have recently spoken to another solicitor (quite expensive lol) who has drafted two letters one to Natwest and one to Vince Cable MP out lining the situation as natwest have taken advantage of our tragic situation and made a business opportunity out of it. I appologise for some lack of informarion as my father was dealing with this but has been stressed and overwhelmed by the situation. I am trying to sort this out the best way possible and would appreciate any help and advise. I feel natwest have morally done wrong and taken advantage of the tragic loss of my mother.

Hi all. I'm self employed with a bailiff problem. I owe nearly £700 in council tax from last year and have had a letter from Rossendales. I understand all the stuff about fees and so forth but I'm worried about my little van. I travel to various craft fairs and markets and obviously need my van to get there. It's worth, I would guess around £3000. It is really the only thing of worth related to the business, and its kept parked on my drive. It has the business name on the side and is my only vehicle. So can the bailiff take the van or is it exempt?

hey ive just joined, came across this on a google search. im having problems with triton too, as it happens theyve phoned me today. they sent a letter a few weeks ago regarding my natwest credit card. this debt had been frozen for one year as i became ill , and lost my job. now its active again, and triton are demanding the full balance. i offered ten pounds a month (im on benefits and have agreements for this amount with three other debt collection agencies). t hey set this up, then called a few days later, telling me that they couldnt accept the offer, and demanded either the full amount or 50 a month as the debt 'has' to be cleared in 6 months or they go to court. i told them to jump frankly. then called the debt helpline. they agreed with me - if i dont have it the court cant get it. i live with my parents, have no savings, no assets, etc. another note is i had insurance on my cards and loan, to cover all of them (alledgedly) - in fact three lots of insurance each covering all my debts. needless to say they refused to pay out. i next phoned natwest credit card services, to ask the bank to stop sending threatening letters (the tone of these triton letters and the people on the phone is not exactly 'good customer service'). the conversation went like this: bank: 'its now been handed to a... triton credit services' me: 'no im afraid you dont understand, triton credit services is the royal bank of scotland' bank: 'um... oh yes i am sorry they are employed by us' me: 'no i think you misunderstand, triton is the royal bank of scotland' then she tried to talk her way round it (unsuccessfully) and i think she was quite relieved to get this awkward customer off the phone. all went quiet, until today (theyve been ringing the mobile now). ive just been told triton have just been instructed by rbs to collect me credit card debt, a nd could i pay off the balance. seemed surprised when i said no. then asked how much i could afford. '£10' i said. next came the usual stupid question i get 'are there any friends or family who could give or loan you the money?' needless to say other people are hardly going to pay my debts for me. after i said no i got the reply 'well we will now have to hand this to the court for legal, blah, blah, expect in 7 days to reeieve a letter....' at that point i said ok in my most cheerful voice and hung up. my health condition has worsened due to this. i have no idea where either of us (the bank and i) stand legally on this thing, and could really do with advice. the cab is impossible to get hold of and im pretty much housebound anyway. im perfectly prepared to pay what i can afford, but wont be bullied or take any nonsence from these idiots. besides, my health is suffering again, and quite frankly it does cause me to over-react (sometimes to the point of losing my temper with them in a big way). i noticed , something about a letter. what is the purpose and possible outcome of this letter a nd how do i follow it up? exactly how does the rbs get away with these sort of tactics? sorry for the rant, joel

Has anyone else noticed the MOJ link to the 'new' National Standards cannot be found on the MOJ site anymore: http://aka.justice.gov.uk/downloads/courts/enforcement-officers/taking-control-of-goods-national-standards.pdf They can be found here (third link down): https://www.gov.uk/search?q=bailiffs Is there a reason for this, or is it just a technical blip?

Can someone with good knowledge please help me to rectify a problem at work.There have been at least 4 times where employees who were on holiday but not going away have been rang by the office and asked if they can work part or all of their holidays.The union at work disagree with this practice saying it is unlawful....The management(or more the directors) disagree saying there is no law on selling your holidays..I got this info. from a u.k. website, Can you ‘buy back’ holiday from your staff? It is not lawful ( not permitted or recognised by law), to pay employees instead of letting them take holiday (except in limited circumstances upon termination of employment), even if the employee would be happy to agree it. However, there is nothing to stop an employer and employee coming to an agreement to “buy back” any contractual holiday that you offer OVER AND ABOVE THE STATUTORY MINIMUM.For example if you offer staff 30 days leave, you could legitimately buy back two days, although the employee could not oblige you to do so. Am I therefore correct in saying the office/management/directors etc, cannot allow staff to continue working instead of taking their holidays unless it is any days over and above the statutory 28 days?. I looked on Gov.co.uk but found nothing to suggest staff can or cannot sell their holidays back.I need some clarification on this issue please.

Hi guys, Iv'e not been around much as of late and have had many years of good advice on here relating to my Halifax debt (which thanks to this forum will be statute barred in 5 months) So just when I think it's all over I get a letter today from someone else seeking money. Approx 3 months ago I asked for a free non obligation quote from a company to put a new roof on my house. They called to the house and left a quote of £11,000 asking me to sign a provisional agreement subject to finance. I refused to sign this despite some pushy tactics by the salesperson and stated that I needed to think things over. They telephoned about a week later then said they would drop the price to £10k. I again said I'm not ready to commit to anything. I then had a quote from another company who charged £4,800 for the work and proceeded to get the job done with them The original company contacted me a few weeks later to see if we were still thinking about having this done and I stated that the job had been done (and cheaper) so they said thanks for the interest and contact us again should you need us in future. Thinking nothing more of this I today received a letter demanding payment of £1,022 for their out of pocket expenses in providing the quote and if I pay this they wont come after me for their 35% cancellation fee of our verbal agreement for this work. So imagine my surprise as I never agreed to having any work done and in fact refused to sign even the provisional agreement and stated I was not ready to commit to any work with their company. So the choices they have given me is pay £1,022 now, or they will seek 35% of the £11,000 for their cancellation fee.

Hi All Only just come across this site, Im seeking advice. GE Money are taking me to court for repossession of my house. I am married with 4 children. My monthly payment of my secured loan is £250. At the moment I am £850 in arrears. I have made arrangements to pay the arrears, but have struggled to make the payment. I have made a payment of £350 last month, with the plan of making that each month. By the time my court case comes up, I will be £600 in arrears. The loan is in 2 names. Do I have to fill in court papers for each person, or can I do it for 1 of us to cover both. My debt is in the region of £25000. Am I likely to lose my home?

Hi, I was made bankrupt in May this year and I co-own two properties with my wife. one of them, (the one we live in) has a small equity and the second has minus equity. The second one is being rented out and is the only income that I have. now the trustee of my bankruptcy has written a letter to the tenants that all monies should be paid directly to them. This will leave me with absolute £ 0 income, and they are taking my wife's part of the rent as well. is this legal and is there anything I can do stop them? thanks in advance for any help. Lolli