I received this email from my landlord " I will issue a writ at the studio where your where you have not given notice. when I get judgement I will make application for bankruptcy and then see if you think it’s amusing" The landlord terminated my assured tenancy agreement on the 12 th August 2013 which gave me 2 months to move out, which I did on the 1 October 2013. His claim is that I didn't give him notice that I was moving out. The guy is crazy that is for sure. He is also holding my deposit which he did not lodge with any of the organisations that you have to.I owe him nothing. His plan is painfully clear, he threatens to issue a writ against me in full knowledge that I no longer live at the address, in fact I moved back to Holland on the 6th October and is where I live, my only reason for being and in the UK and renting a property was that it was I had a 6 months contract in the UK. My concern is that I want to know if he goes ahead with his threat, there is no way that I will know, and the process will go on without my knowledge and he will proceed with a claim against me. It could be said that as I live in Holland I shouldn't care about it, but I still travel to and from the UK on business. My question is can he do this, and is their a public database where claims are filed that I can access online.

Not sure if this is the appropriate forum, but here goes. I dissolved my Ltd company back in October 2011 through Companies House. Had no outstanding debt through the business (or so I thought) so it all went through without any problems. Last week, I received a final invoice from my accountants for services up to dissolution. The invoice is to me personally. Am I liable for this debt? I've checked the agreement between my company and the accountants and as far as I can see there is nothing in there that transfers any liability to me. Are they trying to pull a fast one? Note: My understanding is that Directors of a company are shielded from these types of scenarios unless a personal guarantee is signed. Is that assumption correct? Any help would be much appreciated...

I run a guide unit and have been threatened with loosing hall we meet because of new promise (not going in to that here) and had a letter from PCC saying we have to pay £18 p/h for 52 weeks a year. we don't meet 52 weeks. We have an agreement at the moment with them which doesn't mention the promise. They sent us this as part of reasons why While we respect the changes that Girlguiding have made, under the 1993 Charities Act we are bound that any disposal (sale or letting) of the church hall must be at full market value. It then continued to say that exemption from the 1993 Act could only happen at the PCC discretion and if they thought that the charity's objectives are in line the charitable objectives of the church. Any advice helpful.

Hi All After receiving an MMF 'Notification of legal action' threato'gram a few weeks ago (the one where they mention going to prison), that I have duly ignored. I have now received a 1 line email yesterday, entitled '5 day Notice before action' which states: Unless you call MMF in 5 days,a Court Claim will be issued and then enforced by Bailiffs or Attachment of Earnings on your employer.0800 9961103 Ref:M****** Do you think they are still puffing out their chests or should I now start to worry? Thanks Simon

Hi,. I have had a debt with cap 1. This was for £2200. It was passed to fredrickson international. After several threatening letters I decided to phone them and I told them that I have had a hard financial period which included several months of unemployment. I said that I currently have a family friend who is williing to lend me money to pay off all my debts @ %40. I said on the phone that the £2200 was made up of approx £300 charges which were unfar in my view at £16. We came to a number on the phone of £1000, which the lady said she would have to get authorozied. She would phone me back the next day. In the meantime she said it might be a good idea to do an income and expendituture doc and send it to them. I didn't do this and she didn't ever phone back. This was a month ago. Now I have a letter from Brian Carter Sols acting on behalf of cap 1 wanting the whole sum in a week's time otherwise I go to court. Any advice please?

Hi all, We are being chased for a debt of around £6k, originally from a Virgin Money/MBNA credit card. Last payments/acknowledgement of debt were around July 2011. Aplins successfully put a charge on our property for the amount owing earlier this year, and they then sent a nice (for them) letter saying they wouldn't be enforcing a sale, and things went quiet for a while. However they've now sent a letter saying: " We are about to issue a Warrant of Execution against you. This will incur additional fees and costs which will be added to the amount you already owe. Unless you pay the amount of the Warrant the Court Bailiff will call at your address with a view to taking an inventory and levying on goods belonging to you." They then tell me to contact dlc to make payment or come to an arrangement. As they're pretty much guaranteed the money on sale of the house, I think this a strong course of action, and I am tempted to believe this is an idle threat, unless anyone tells me otherwise. Surely I could just point to the charging order and say I can't afford to make a payment? When the court documents came through re: the charging order I didn't contest or respond to them as I'd assumed (perhaps wrongly, it appears from reading these forums) that Aplins etc would have all their paperwork, CCA's etc in order before they took it to court. Also, I have not CCAd DLC as yet - is it too late to do this now the charging order is already in place? Any advice gratefully received as to the next course of action, we were going to write to them and offer to start making token payments, but a good afternoon on these forums has given me more stomach for a fight, and I'm now tempted to wait and see what they do next. Thanks in advance

Hi guys, Need help on this scary letter i've had from regal. I've wanted to cancel my car insurance over the phone but they wanted in writing so i've argued over they can start insurance over the internet or phone so why cant they cancel it same way? in the end ive sent a letter with my canceling request and put a date on the letter of the day i've phoned them first time. Unfortunately they didnt accepted it and passed £107 debt to this nasty regal consultants which they think they've got Country Court Judgment against me and if i dont pay by 7 day they will send bailifs and all tha. Sounds too quick and bulls.t to be honest So do you guys think i should pay it or just defend my case? Thanks in advance

Hi Guys I have had a letter come through from TBI for the Barclays credit cards now of £6567 £4124 £3168 This letter is from David Jones solicitors and threatens a statutory demand in accordance with insolvancy act 1986 of which I have 7 days to reply before they do that. Then I have 21 days to pay in full or they file for bankruptcy. Now as I have stated before in a seperate post I don't live in the UK I just use my mates address as a mail drop and for my mobile phone and bank account. I have zero assets in the UK also, no house mortgage etc. So what should I do with regards to this letter please? Cheers..

Hi all (again). Needing a lot of advice lately! I am proof that burying your head in the sand is the worst thing you can do Yorkshire Water have a CCJ against me for unpaid water charges. I haven't made any payments against this CCJ. I received a letter dated 01 March advising me that if I didn't contact them within 7 days they would be applying to the High Court for a Writ of Execution. The amount outstanding was £674.96. I called and made an offer of payment £20 every 4 weeks, I gave her my income & expenditure details which showed £20 was what I could afford. She said that the minimum payment she could accept was £75 per 4 week as this was due to the fact that when 2013/2014 water bill is added it is £928.68 and it needs to be cleared within a certain period? Anyway, I made the payment of £20.00 there and then on the phone and she said that I needed to call by Friday (today) and make a payment of £8.68 (which I have done) which would stop the issuing of a High Court Writ. My question is what do I do? I can't afford to pay £75 every 4 weeks but I also really don't relish in the though of HCEO.

hi i have a threat by safeloans for £510 and now they are threatning me with court for this, i am currently on benefits and cant afford what they want me to pay back, i want to pay this back but at what i can afford i have 4 young kids as well as a partner to try and support, and now i have this hanging over me i have been putting it off trying to avoid it yes its stupid i know, but now i need to sort it and fast as i dont want to go to court, any advice greatly recieved.

I am on a Debt Management Plan. I am struggling to keep up some of the repayments. If I get a CCJ, I will probably lose my job. What should I do? The DMP is self managed at the moment. It has been set up since the end of last year, and I fear it is too soon to contact creditors to make alternative offers. I feel threatened by my employers as the owner of my company does not like me, and would like to get shot given a chance. I don't like the threats. When confronted he always lies and claims he didn't say them. It's my word against his and there's not much I can do about it. Any suggestions what I can do would be good.

hi my wife got into some finacial difficulty with these pay day loan companys, there are now making aggressive calls and also sent a letter to my wifes company stating they are going to send bailiffs to the company to collect/enforcement are they legally entitled to do this,please help

Hi to all I have been legally parking my taxed,mot'd and insured vehicle on a public road which is a cul de sac as it has public access to a small wood where I walk my dog. The residents (mostly retired people) have a dislike of people parking on their street I've even suffered abuse shouted even though I'm simply going about my law abiding business and there is public access at the end of it and the vehicles are legally parked and not restricting their access in any way. Today I noticed new signs have been installed saying "ROAD USE HOUSEHOLDERS ONLY" they appear to be legit council signs, there is no info of any fines/punishments should a non resident park on this public road or have any double/single yellow lines been painted. Any ideas as to what my legal position is should I decide to park my vehicle for an hour while I walk my dog?. Is this sign even legal as I see this as an infringement of my civil liberties I pay road tax, this is a public road I should have every right to legally park on this road. Your thoughts would be very welcome

the debt is not disputed. it was approx £3400 balance of a business debit with a food provider. their dca 'offered' a payment plan of £500pm or bancruptcy, which i managed for 2 months even though i explained the business was closing and i had no income - not even for my priority debts. i then asked for a lower plan of 100pm but they wanted more 250, but took 200, so again i limped along. not paying any off the other business debts as they werent chasing or threatening bankruptcy! i have not made payment for the last 2 months, so the other day received dca letter of impending bankruptcy proceedings for the balance of £1654.67 [this includes late payment and interest to date of £240]. i have now received an email from the Food provider directly, saying they have exhausted avenues etc etc; and notice i have a property registered in my name. so my question is this.... if they force bankruptcy, presumably they cant have a charge on the house - as it will have to be sold? plus if they do force their debit, at 1600 is a small drop compared to the other creditors in excess of 11k utilities and 10k business rates, so they would lose out in the % in the £ ratio. if they go for the charge - INSTEAD of bankruptcy - can i ask for a non-interest bearing charge? thoughts and advice welcome please. i am going to reply to the FOOD supplier first as i hope their email is a sniffing around for a better option that forcing bankruptcy etc. thanks.

Hi, In 2005 I lived in a student house where there were about 6/7 of us and about 5 or more at least who used to use it is a hotel! A couple of years back I got notification that two 3 contracts were taken out in my name in 2005, and there is a debt totalling about £500 on these accounts. After arguing with 3 about it for ages and not getting anywhere I just let it go because the accounts didnt appear on my file and they refused to acknowledge the debt wasn't mine, even though they couldn't provide a signature or anything. Now in the past few months I have received a few letters from Lowell, Red and Hamptons threatening court if I do not pay the two debts. I have checked my credit report and the two accounts now appear with defaults from 2006 - so both due to drop off soon (and presumably statute barred?). Not sure what to do here... Hamptons letter in May say they are assessing me for a CCJ. Is this a standard trick or should I be worried? I am going on holiday for three weeks next week so if anything happens when I am away will I be screwed? Any advice much appreciated.

Hi I really need help and advice? I have been out of work for a while and this meant that I feel behind my debts, but this week just starting a new job. I received recently claim form from Northampton, and I ever since I have been reading the forum on how to deal with the situation. The debt was initially owned by GE Money then transferred to Santander Cards, when I was paying it I realised the sales contract was faulty, some sneaky charges had been inserted, when returned to the store they amended and re wrote a new sales contract, but still again i never spotted PPI. When I raised it with head office, the were defensive initially but later agreed to refund provided i went to the store to get a new sales contract without it. I never went to do this as store out of town. Now, I sent for CPR 31.14 request which has not been acted upon more than 7 days later. I am receiving the usual 'bulk issuer currently retrieving the documents, but the additional 14 days expiring shortly. I am also confused with their response 'we will grant you a further 14 days for you to submit your defense!

Hoping somebody can help within the next 3 days I have left I had a court fine in October 2008 for un-taxed car which payment was sent in April 2009. Now in Nov 2012 I receive a letter saying they have traced me down and have 7 days to pay initial fine + £85 fee or they will attend to seize goods to sell. I have none of the original documentation as this was probably destroyed as I have moved address twice since the original fine imposed and have received prior communication from Marston (each time I moved I had post diverted to new address) My time is running out and I don't know what to do?

Hi Guys, I have just received court paper work sent by Turnbull Rutherford on behalf of HFO. They are claiming over £6400.00 with £3800.00 being the original debt and over £2600.00 in interest and court costs. They are charging me 12% per annum interetsrt on the debt. I would like advice on how I should reply. I will admit to the original debt and agree to pay in installments but do not agree to the interest payments and the on going interest being claimed. I am currently unemployed but own my own flat. I would like to know how I should reply to the court. Admitting the original debt and asking for a nominal amout to tbe paid every moth. I was wondering if anyone could advise on how I should proceed and whether there are any template letters that I can sedn with the court papers that will help my case. Any help/advice would be much appreciated. Thanks

Hi everyone, I have received a threat from Severn Trent which says that if I fail to pay the due amount within 14 days, county court proceedings will be issued against me. The original bill was for £161 and to date I have paid £107 and £54 remains. My yearly rate is £218 but I only recently moved in so my bill is broken up. To be honest I am struggeling with money at the moment and I contacted STW last week to explain my situation, but all they were interested in was setting up a direct debit or payment card which I dont want. I sent a letter to them last week to inform them that I am withholding the remaining balance until December 31st (the money that I have paid so far will cover me up to this date). 3 days later I get the court action threat through my door. My question is- have I acted unlawfully by withholding payment? Am I within my right to do that? I have not refused to pay, but rather I want to pay on my terms. Any thoughts on this? Many thanks. Dan X

Hi all, hoping someone can advise on what i should be doing with this letter. Received a letter from gpb solicitors working on behalf of iQor recovery services limited regarding an outstanding balance of £1959.19 owed to Lloyds TSB. Says full payment must be received in this office within 10 days otherwise a CCJ may be issued without further warning. It goes on to list a breakdown of court fees & solicitors costs that would be added. If you fail to respond to this letter & we do obtain judgement it may lead to further enforcement action. Now i do owe this money for a current account/overdraft and the default was issued on 13/10/2010 but there's no way i can pay in 10 days. I am putting most of my extra money each month towards priority debts. Is this JUST a threat or will they follow through on this if i don't reply. Do i try and set up a payment plan or just leave it? My understanding is they can't issue a CCJ......i'd receive something else from a court. Any knowledge/advice would be greatly appreciated.

Hi posting on behalf of a family member. In 2009 after failing a university course due to ill health, he left owing money to the university for accommodation. As far as we know, the first contact about the debt was a letter posted to home address in lat January 2010 advising f potential court proceedings, and asking for over £2000 to be paid immediately. Sick with depression and unable to cope, he eventually went to CAB who dealt with the debt collectors (Clark Willmott), who advised in the circumstances that they would pass the matter back to the university concerned. A budget form of some sort was completed, advising company concerned that he had no disposable income. Person heard nothing more, and moved out of the rented accommodation the following June. In mid-July 2012 the person concerned returned to his parents' home, and soon after was served a notice of disobedience, advising him that he was in contempt of court, and was to be sent to prison for 7 days if he did not attend a hearing in late August. Apparently he had been served with an order to attend court in June and had not appeared. However, the address listed on the papers he was supposedly served with was one which he had moved out of two years previously, despite the university concerned having his parents' address. He intends to go to the hearing, and does not dispute that he owes the debt (although it is now according to the court over £3000), but was never served with the initial documents, so has no idea what happens next or how he can prepare for the hearing.

hi all have received letter from wescott threatening ccj proceedings for over a £1K. on the 5th october have checked cra file and this amount not on but i have 1 debt dropping of 2nd october for a lesser amount . i am assuming it must be this. what would be best way forward? also had letter from drysdenfairfax solicitors asking for urgent contact, again i can only assume for sb debts thanks in advance

We have been fighting a repossession claim and lost on Thursday when the Judge gave them a 28 day possession order. We disputed the charges ie interest rate and penalty charges. We believed we had a strong case and that we had been miss sold the mortgage but the Judge said that was a separate matter and reluctantly gave them the Order - anyone know where we go from here the difference in what we say we owe is about £20,000 and rising. Our debt is from a bridging loan have charged us extortionate extension fees, as well as compound interest which was not agreed. We originally borrowed £137,000 and now owe £220,000 plus 2 years later. There were no monthly payments due under the contract and it was agreed that the loan would be paid back after 12 months. The lender refuses to talk to us and have even threatened to take seperate legal action against us for referring the matter to the FOS. It seems that they can put whatever amount they want in their Particulars of Claim they are even charging interest on their solicitors fees which are going up each day. Can we do anything to dispute the amount we owe them. We have a sale going through but can't exchange as their redemption figure is wrong and keeps rising

Hi, Lowells are chasing for an old barclaycard debt. Sent a CCA request back in 2008 and stopped making payments as they only provided a copy of the application form. Been ignoring all the standard letters that Lowells were sending after apparently purchasing the debt from Barclays. Having recently received a legal threat from Hamptons i thought it wise to send a letter highlighting account is in dispute. Would you guys recommend I send this to them http://www.consumeractiongroup.co.uk/forum/content.php?426-A-letter-when-the-account-has-been-passed-to-another-debt-collection-agency or send a new CCA request to Lowells/hamptons? Appreciate any advice given. Thanks.

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