I dont think he lied, I know he did - or at best let me assume something with his clever use of words. But how do I prove it. I came off benefits last year and am happy about that (of course) but this has brought its own problems I am trying desperately to pay my own way, I don't smoke, don't drink, have 3 stepkids I provide for. here is my problem. We fell into arrears and had a court bailiff come to the door. I let him in (probably the wrong thing to do I know) and I agreed to try my best and pay £120 off per month. This was in december 2011 I paid december and january, but missed feb and march, paid £240 in April. I have now also received a summons for THIS YEARS council tax. This is where I think he lied to me When he asked me how much I could afford to pay off, I started at £80 per month, he said that would not even cover the council tax that starts again in April and I would have to pay much more. I went up to £120 and he has (cleverly) eluded to the £120 I am paying was also paying my ongoing council tax (£80 to the Council tax and the other £40 to my arrears) - he hasn't actually said that, but he definately didn't correct me when I made that assumption. I rang the council today about the summons and said I have an arrangement in place already as I am paying the "bailiff" they said this is WRONG. the bailiff is chasing the OLD debt, and the summons is for THIS YEARS council tax, and because I haven't paid anything its going to court. Does that make sense? It is two separate debts. To be honest, I am struggling to pay £120 per month, let alone TWO LOTS of it as the Council have said that they would NOT accept more than £132 to clear this years debt. Any advice would be greatly welcome because as it stands at the minute I feel my only option is to give up work and sign back on and get the whole bloody lot paid again for me !!!! The other thing that is really annoying me is that in April I paid £240 - actually only £30 came off my Council Tax bill, the other £210 went in charges - £140 for him posting a bloody letter through the door and £70 in court fees for THIS YEARS BILL

Hi Guys, I hope you can help me. I have several issues that i want to raise regarding think banking and gregory pennington and hope that someone can help. Firstly i took out a DMP with Gregory Pennington nearly 3 years ago. i provided my income / outgoings and explained that i was struggling to live and pay rent due to my high levels of debt. I looked over everything and even though i knew there would be a fee attached, decided it was worth the money as long as my debts got cleared....this is where things started to go horribly wrong! Firstly i was informed by Gregory Pennington that i would 'NEED' to set up a bank account with Think Banking. Since i was paying large overdraft fees each month the £12.50 monthly admin fee seemed a drop in the ocean in comparison, and so i agreed. I realise now that there is no need for me to ever 'pay' for a bank account and i feel like i was forced into taking this account and want to know if i can do anything about it in the same way people claim for mis sold PPI? These two companies claim to be seperate and yet with the mounting issues i am having with both of them they seem to be almost intertwined and i wanted to know if you had any further information about them? Also when i signed up for this account think proudly announce that they are part of the RBS group. I have found out today following the massive RBS banking issue on moneysavingexpert that this company is not part of RBS at all and merly uses there banking system and i am wondering if this is then fraud? I have several complaints that i wish to lay out to you but if i can start here any advice would / info would be greatly appreciated as looking over these forums you guys seem to have quite a bit of experience of dealing with people tied in with these con artists

Hi all, If I can't sleep I think about the Universe and how vast it is. For example, the Voyager 1 space probe (launched in 1977) is now over 11 billion miles from Earth, but hasn't left our Solar System yet! The Milky Way Galaxy is 100,000 light years across. A light year is the distance light travels in one year, at 186,000 miles a second. Keep thinking about numbers like that, and your mind will be completely boggled. It puts me to sleep when that happens, so may work for you too.

http://www.youtube.com/watch?v=q45DiRwldM8&feature=youtube_gdata_player

HFO keep sending me Litigation letters, Notice of litigation, Schedule of litigation etc. They also send paperwork on attachment of earnings and charging orders, 3rd party debt orders. After a good read these seem to apply to someone that has had a judgement and failed to pay it? One also listed charges and fees for applying to take someone to court. I read it and thought these are fee THEY would have to pay and hope to get the money back if taken to court. I am on IB and this is topped up with income support. What is the worst that can happen if they did take me to court? I have debts with other companies also so i presume any payment must also be shared between those? Hard to see how they can take money i do not have. Freeze my bank account? I only put my bill money in that account to pay the direct debits for the utility bills. Amount on each letter seems to be going up as well. £12 extra each time. More scare tactics. Advice please. Thanks.