HI, apologies for randomly contacting you https://www.consumeractiongroup.co.uk/forum/showthread.php?488162-VCS-final-demand-before-court-action - I have received a similar letter from PCN today re a PCN in Edinburgh from May 2015- can I ask what you did re your case? It was def my car, but I was not driving it at the time of the PCN!! Thanks

Civil news: rule change for clients threatened with homelessness READ MORE HERE: https://www.gov.uk/government/news/civil-news-rule-change-for-clients-threatened-with-homelessness

Civil news: rule change for clients threatened with homelessness READ MORE HERE: https://www.gov.uk/government/news/civil-news-rule-change-for-clients-threatened-with-homelessness

https://www.consumeractiongroup.co.uk/forum/showthread.php?472472-Please-help.-work-mileage-tax-rebate-Missold-a-service&p=4977504#post4977504 can i ask whats happened with you and this company as they have done me over too and are threatening court

In 2011 whilst awaiting a redundancy payment from my previous employer I received a payment of £3600 into my bank account. As I had been waiting almost 6 months for my payout, I assumed this was some sort of interim payment and used it for living expenses as I was unemployed. After eventually receiving my full redundancy payment, it became clear that the initial £3600 payment was made in error by my previous employer. I arranged a payment plan and have dutifully paid this initially at a rate of £40 per month reducing to £20 per month when I submitted a new RFI due to a change in circumstances, ever since, In January this year, my previous employer changed their bank details without informing me and I was therefore unable to make payments. I had initially assumed that the problem was with my bank and even spoke to my previous employer regarding the matter in May, but they still didn’t inform me of any change of bank details. I heard nothing more until I recently received a letter from a debt collection agency for the recovery of the entire debt (£2000). I have contacted the sundry debts manager for my previous employer who has agreed to put the recovery action on hold until 28/9 and asked me to complete an RFI from. I have done this and offered to pay the full amount of missed payments and reinstate my £20 per month payments. They have stated that they now wish me to pay £40 per month and despite lots of emails back and forth are unwilling to accept anything less than this. I don’t want to incur any debt recovery charges but am incensed that it was their neglect to inform me of a change of bank details that caused this and now they are demanding a higher amount each month. Do I have any rights?

Hello All, Today i received a letter from my local council leasehold team asking me to pay an outstanding amount within 2wks or face court action. i received what seem like a bill for 2 years in March 2017 i started to query this and they told me it was what was outstanding from a previous year - what year is this? 2015. Before i got to this point it took 2 months and it felt almost like a cover up, eventually someone explained what had happened. In 2015 i was sent a bill £ X, paid by 10 monthly instalments, but instead of applying my payments against the £X they applied it against £0 which meant at the end of the financial year i was in credit of £X 2016 next bill came - bill was less than previous years, i called the council and they told me i have been overpaying and this is why and i should reduce my future payments. 2017 they now want me to cough up for 2015/16 as well as 2017/18 My question is they made a mistake on my account in March 2015 by not applying a debit to my account leaving it at £0, and September 2016 was the first time they wrote about outstanding charges be it they didn't admit any mistake. Can they ask me to pay for something that was meant for 2015 in 2017 and also it has been 19 months after the mistake before they are ask for the payment. Does this section 20B give me a leg to stand on? http://www.legislation.gov.uk/ukpga/1985/70/section/20B I actually don't mind paying just don't want to be harassed about it. Please if any bit is unclear let me know and i will try and be clearer Regards fro

Hi, I currently am in breach of a suspended possession order dating back to the 4th of september 2015. An order was made that i had to pay an extra £1000 on top of my normal payment of £650 per month in order to pay off the arrears of £6000... at the time i was lead to believe that i had to accept this or the judge would def evict us in desperation agreed...i know now that was a mistake. I actually did manage to just about get the arrears under control by selling most of the contents of my house and stopped all building works. ..which was what put me in arrears in the first place (old house with loads more problems than originally quoted for). I have approx £175,000 equity in the property and the mortgage was for 50% of the purchase price. I currently have arrears of £5208 and my monthly payment is £670... i have offered to pay £250 a month which they have refused to accept though i have been doing this each week. I have 254 months left to pay on the mortgage which if im right would equate on the norgan rule? to be £20 extra per month? Today i have received a letter stating if i dont pay the arrears in full within 7 days they will be applying for a warrant of possession. ..please someone give me some advice.. , would the judge take into account the 1000's and 1000's i have spent renovating this house and give me abit of slack. ..feel desperate and like ive let my family down just as things should be getting better!

A mother has been threatened with imprisonment after posting a negative restaurant review on TripAdvisor

Good Evening all, I was wondering if someone could help me with an issue I have about a Barclaycard that I opened in 2005. I build up a balance of around £4000 but paid it off in full in March 2012, I have clear evidence of this as I kept most of the statements and you see the balance goes form £4000 to £0000 (although the statements do not say payment received). I also have 22 following months statements with a balance of £0000. I did not use the account after I paid it off (cut up the card) and after receiving nearly 2 years of statements, they suddenly stopped and I thought the account had closed. I also have a noodle credit report from 2014 that mentions nothing of this account (again proving the account was not in default) Any way in October 2016 I received a letter from Barclaycard saying they had closed this account and transferred it to a company called Asset Link capital with a balance of £4200. I though this must be a mistake and ignored it. I have since received letters from Link demanding payment in full and the latest letter has even threatened solicitors (Mercers Kearns ) action within 14 days. I have checked my most recent noodle credit report and this alleged debt does now appear, so Barclaycard must have backdated my credit report reporting it as default from Feb 2012 (please note it does not appear on the 2014 report), I am worried like hell that I am now going to be taken to court for a debt that has been paid off once (2012). How is it now that 5 years later banks/debt collection agencies can be hasting/threatening legal action for a debt they seem to have made up. There must be some kind of criminal actions going on here. Would there be anyone in the CAG community that can help/advise me with a template letter to send, I am not sure where I start and how I explain all of this or indeed who to report it to. Please please please someone help this worried persecuted human being who has very little money and even less knowledge on how best to tackle these criminals :-(:-(:-(

Hi all, To make this as brief as possible, I had a second charge on my property with Nemo personal finance. In 2007 the property was repossessed due to a lot of bad luck and the original lender sold the property over £50,000 less than market value just to cover their own expenses (G E Money) which left nothing to pay off the second charge. I have been battling this loan on and off ever since and during this time Nemo took me to court and won because I never defended the claim and this was due to the fact \I knew nothing about it. I agreed a miminal payment to them which I paid monthly about 2/3 years ago I wrote to them sending them £10 PO asking for a SAR. They never produced it so after a while I stopped paying and things went quiet of a year. Now they are back on my case threatening with a attachment to earnings, High court Writ and Baliffs etc. I am not sure how I should proceed with this and would really appreciate some help. I id speak to one of their customer service reps when I got the first contact letter and explained that I stopped paying because they did not comply with my request and he said he would look into it and get back to me but he hasnt and I ave just had a letter threatening allsorts to collect. When I first loss my house I did do a lot of research on this with regard to the PPI and secret commissions which there undoubtedly was but never saw it through due to personal circumstances.

Its a first post I'll be brief. One year left on mortgage. trouble with payments, only £7000 left to pay and will be paid off next year. Santander want to threaten me with litigation and take me to court. I was forced to take early retirement couple of years ago due to cancer. Any advice? going through the usual channels RE debt advice, expenditure etc cheers guys Meicimac

Hi, Hope everyone had a good bank holiday. I (and three others!) missed crap signage and got a Contractual Breach Charge from Ethical Parking on my windscreen over the weekend. Just double checking that it is currently still best to do nothing until a notice to keeper arrives (between 28 and 56 days) before I take any action on one of these? Then if it (NTK) arrives on time post photos of it and signage on here for assistance? Just don't want to get it wrong! Thanks!

My friend has been working for the same company for over thirty years and recently had to fill in some sort of assessment form in which they asked if he had any financial issues that they didn't know about so out of honesty he said yes, I have an IVA, which is almost satisfied and has been adhered to from day one. The company have been very unpleasant about this and are trying to say that he is a high risk because of this and are threatening him with the sack over it. He has been through a grilling today and they're asking for further evidence next week before they make 'a decision'. There is something about this that smells pretty bad. He has three years to go before retirement and I feel this is a cynical sideways way of trying to get rid. I wonder about the legality of this and if anyone on here knows of a precedent that might help throw some light on this thoroughly unpleasant and spiteful behaviour. Thanks for taking the time to read this and I hope someone can offer some advice Regards Andy

I was caught stealing at tk maxx today. It was a very foolish thing of me I admit. Something that costed £7.99 and I didn't want to pay for it as I had already purchase worth £70.01 at tk maxx and didn't have enough money for what I wanted. I took of the security plastic tag off the box and put the item in my bag while I got busy with my daughter as she was crying and kicking a fuss. I continued to checkout with all my other items amounting to £70! Then left the premises. A security came running down the stairs and spoke to me saying I believe you have something in your bag which you haven't paid for. I said ok let's check I opened my bag and saw the item then remembered I put it in my bag. I forgot about it as I spent nearly 2hours in the store looking for lots of things. He escorted me to the back security room and asked me to place everything not paid for on the table. I then placed the only item that was in my bag worth £7.99!! He asked me did you steal the item. I said I didn't mean to they were so rude and shouting. He then said look I'm calling the police and I cannot wait for that woman to tell me. Then I was obliged to say I stole it so that he doesn't call the police. Then he cut off the phone and said to me if I admit I stole it I said yes and started talking again he was angry saying that I'm fed up now I'm calling the police cause you're not ready to tell me. Then said that how are you going to explain to your partner if I call the social services because you stole £7 your daughter got taken away!! I stayed quiet and didn't wana say anything so they don't call the police. Now reading other threads I guess there will be a letter coming for me to pay for god knows what because the item was left un damaged. Shall I tell my partner �� I'm scared. I do not work to pay off any money to anyone. Please help me. They took my ID CARD with my details on it . And forced me to take my provisional license out of my wallet to show my address.

I would like to ask for any advice about enforcement agent, Bristow & Sutor (B&S). 3 months back B&S enforcement agent was in my rented house for the first time and tried to get into by locked door but I was alone at home as my partner was in Medical Centre at this time and I didn't opened. EA also been in my neighbour to get- I suspect - information about us because she let him in (we have non-friendly "relation" with neighbour). I didn't opened because of fear, I thought that was crime, I haven't had idea that was agent from Council, he left letter with his mobile number AFTER trying to get into house. I also struggle with deep depression and not open anybody at all when I'm alone, so I waited for my partner and after he was back, we sent text message to agent for making a new visit where we are both at home because we was scary: he knocked the door, windows very aggressive... Enforcement agent came in next day and said that we have to pay £360 straight away or he will call the police and we will go to the prison for 90 days. We was scary so much that I started to cry. My partner said that we are unable to pay now (believe or not we didn't had any pound in pocket), but we suspect to have money in Monday (that was Thursday 5th of October) and unfortunately an agent didn't agreed to wait until Monday for £360 payment and repeated again that we will be arrested RIGHT NOW if we will not pay TODAY (5th of October). At that time we were dealing with the decision from Jobcentre Plus about our Jobseekers Allowance, which we claimed about 3 weeks before as well as from Council about Housing Benefit. We already had letter from DWP about providing more proofs and documents to be able to get benefit, so in the time when enforcement agent been in our rented house we didn't even had any penny. We struggled with living expenses waiting for benefits (starving). Also, what is even more important my partner was seriously ill - pneumonia diagnosed by GP and taking antibiotics as well as waiting to have some money to get into Hospital to have blood test and X-Ray as doctor even suspected lung cancer, which means we both was very depressed and extremely stressed out about his condition at the moment as well as our whole life threatening situation. Even that our situation was like that: - without ANY money - unemployed - without any luxury goods, which an agent could take (all we have is old tv worth no more than £10, washing machine, microwave, fridge-freezer, old and damaged xbox 360, old table and 2 summer cheap chairs, 2 double mattress without bed and dressing table with mirror: that's all and he listed everything) - with serious health condition in my partner and depression in my case, which we informed of course - waiting for benefits ...this didn't stop the agent from threatening us about calling the police right now and being arrested if we not pay £360 now. Which is completely out of my mind, if I don't have any penny how I can pay £360 right now? We was so scary that my partner desperately sent text message to his previous colleague from job (he was working in restaurant before we claimed for benefits), who is not even a friend about lending us £360 as soon as possible because if not we are going to jail and he was so kind to borrow us that money the same day... After taking borrowed money from us, enforcement agent made a payment plan without even asking how we can be able to pay that amount, which we are unable to reasonably afford. He made this plan in moment where we was without any money that we have to pay first payment £100 and then £200 every month. This offer is to high for us but we were very scared and too stressed out about going to the prison that we didn't even tried to negotiate any lower payments. We have made our first payment on 4th of December - £100 and from this day were constantly asking to keep that amount because we are struggle even with that amount. Our debt now after paid £360 is £1700 from our 3 previous addresses. We are unable to make £200 every month. Our benefits for both of us are: - Jobseekers Allowance: £419.40 monthly for both of us - Housing Benefit: £328.12 monthly for our landlord's account straight away, which means we not have these money physically (our monthly rent is however: £495, so we actually should pay the remaining amount to our landlord, which is: £167 monthly, which means we will have £252.40 for both of us per month and if we have to pay for Bristow & Sutor £200 monthly, we will have 52.40 PER MONTH for both of us, which means is £13 weekly for living expenses and not paying other bills at all). We are genuinely struggling to pay this years tax on time but we are willing to pay: we just expect understanding our situation and give us chance to pay small amounts. Going to the prison will not resolve the problem, it will make it worse. We are now on benefits and we borrowed a laptop from our colleague and trying to improve our situation by freelancer jobs and my partner considering to start self employment if his work start to bring earnings. Letting EA to our house was mistake I think because we had worsen this problem. Could You please take any advice, what to do? We would like to back our debt into Council again but do they take it? Should I write about that to Council as well? Because I am actually in contact with B&S via their contact form, which allow me to put only 250 characters... They answered that they are unable to reduce the monthly instalments. Here is their e-mail: "In regards to your arrangement we have offered you the maximum time to clear the balance and are therefore unable to reduce the monthly instalments. Failure to comply with the arrangement will result in further recovery action being taken against you and you will be liable for any additional costs incurred. We trust this clarifies the matter." Yesterday was our second date to pay £200. We didn't had it obviously, so I contacted via this short form with 250 characters and sent them 4 of them that I am asking for keep the amount £100, which is still unbelievable high for us at the moment, we are still unemployed. My partner is going to doctor next Wednesday and we will know the results of his lungs, he is feeling really bad and lost much weight as he don't eat not only because we have very little but also he lost appetite. We are living now in extremely life threatening time, I am so depressed that I'm looking for suicide methods in internet because I'm so afraid going to the jail. Here is the fresh answer from B&S: "We acknowledge receipt of you recent emails, the contents of which have been noted. We must advise, however, that in respect to the two accounts we hold, both have a liability order that has been granted through Isle of Wight Magistrates Court. Once a liability order has been granted the balance, including costs, becomes legally due in full. Bristow and Sutor are under no legal obligation to set an arrangement and if we go it must be within our strict client guidelines. In light of the above we must advise that your proposal of payment is still unacceptable as it is not within our guidelines. Notwithstanding of the above, we have referred your proposal of payment, along with your current circumstances, to our client. We now await their instruction and once we are advised further we will update yourself accordingly. In the meantime we urge you to maintain the existing arrangement and will allow until 12.01.16 to make a payment of £142.76 to bring the arrangement up to date. We trust this clarifies the situation. Yours faithfully" I am very sorry for that long post, I don't even believe if someone will read that but I cannot focus and think properly to make it shorter, I just have huge brain fog. I will appreciate any advices and help. Thank You in advance.

Hi guys, happy new year to you all! I hope someone could give some advice/their point of view on a situation that has arisen with a previous employer and staff member of my previous employer. Around July last year I started working for a new employer, following on with a career path in IT repair which I had worked in for three years previous. I successfully passed my probationary period of three months and subsequently was given a full-time contract. After reading through the contract, it became apparent that my job title was incorrect or was not for the position I applied for. So I had a word with my manager and explained the situation, only to be told that it was a generic contract, that all employees were given the same role and that because my duties were the same regardless, it didn't matter. I explained to my manager that the reason I had taken the position was for career progression and from a potential new employers perspective, my official job title would have made a significant impact in any potential new positions that I apply for in the future. I made it clear that I was in no way implying I was looking for work elsewhere, but that should I apply for a new position in future, I would either have to lie on a job application/CV to get any chance of getting an interview or use their proposed job title and risk not getting any second look for interview stage. My manager then proceeded to tell me that "I can change it for you, but what you will have to realise is that should business take a turn for the worse in the future, we would look at making ~surplus~ staff members redundant first." I was adamant with him yet polite, and said that I would appreciate him for having this amended and reissued so I could sign and return to him. An hour later, my new contract was emailed through to me with the correct job title showing. Nothing more was mentioned regarding redundancies and the business seemed to be doing reasonably well and was busy as always. Two-three weeks later as I was leaving work, the sales rep they had working for them asks me to wait for two minutes as the manager in question needed to speak to me but was on the phone. A couple of minutes later my manager walks into the canteen where I was waiting and hands me a letter of redundancy explaining that they had thought about any way around this decision but could not find an alternative. I collected my belongings and left not saying a word. After getting home and reading through the letter, they had stated that I was only getting paid up until the day I had worked (i.e. no notice payment in lieu) and also that I would have a couple of days holiday pay taken from my final wage (which was accountable for.) I contacted my manager and also the HR secretary to ask them to confirm the details of the letter and explaining why I wasn't receiving and notice pay. Within a few hours the HR secretary contacted me back apologising for the mistake and confirming that I would receive one week's pay in lieu of notice and also they would waiver the two days holiday pay they were going to deduct. I have quickly found another position, and am now one month before the end of my probationary period. A couple of days ago I was out shopping at B&Q. I had just parked and was locking my car when I spotted my ex-manager in the car park a few vehicles away from me. So I approached him to ask him how he was and wish him a happy new year, only for him to square up to me two inches from my face asking if I had a problem with him or wanted to say something to him. A little taken aback, I said I had no idea what he was talking about. He then continued ranting on about a joke meme I had shared on Facebook mid-November regarding vegans. I asked him if he was serious, and before walking away to meet his missus and child, points to me and says "you better watch what you say you." I have since sent him a polite message on Facebook, saying that I didn't appreciate being spoke to or threatened in the way that he did, that I have contacted the store who say they possibly have CCTV of the incident should I wish to report him to the Police and apologising if the post I shared offended him. I have had no reply from him, no apology and he has now blocked me on Facebook. I'd just like to hear other people's spin on this. In this situation would you take action and report him to the Police and/or his employer? Would it also raise question as to the validity of the reasoning behind my redundancy with the company? Any ideas/suggestions would be greatly appreciated. Thanks

Hello, I hope someone can help. My wife bought a second-hand laptop from a local, independent gadget store. Two months after she purchased it, it died. She had been told (in person) at the time of buying the laptop that they were all inspected before being resold and could be returned to the store if they stopped functioning within 12 months. But when trying to return the laptop, the same man who sold it to her claimed he didn't say such thing and is refusing to help. Obviously we should have got something on writing, etc; but that's not what I'm seeking advice on. Having also been present when the sale was made and also witnessing his verbal 'term', I was so insulted that he would then deny it to our faces at a later date. I decided to call up as a potential customer and enquire about a laptop, asking whether there was any sort of warranty period. I recorded the conversation, and low and behold he once again confirmed that laptops could be returned within 12 months. We made a formal complaint and his response was that no such term exists or has ever been made. I then offered him the recording to prove otherwise. Well as you can imagine, being framed like that didn't go down well and he informed me that he will be reporting me to the police. Even though I researched the legality beforehand and referred him to Ofcom's website stating that calls can be recorded without knowledge or consent so long as it isn't shared to third parties, he insisted I'd broken the law and he would be prosecuting me. So I have two questions really; 1) Have I broken the law? I haven't shared the recording with anyone apart from him. 2) The fact that I have proof he does induce customers with misleading information - this in itself being illegal - surely there is someone I can share this with? The way I look at it, programmes like Watchdog obtain secretly filmed footage of these sorts of things and they're allowed to be televised without the consent of the offending party; surely my circumstance too is in the public interest and can be reported to a relevant body? Thanks for any advice

http://www.mirror.co.uk/money/letting-agents-tell-disabled-couple-5996637

I had a visit from a HCEO today in relation to a high court writ for unpaid water bill totalling £1800. After explaining I was attempting to sort finances in order to apply for bankruptcy and that I had no other money or assets, he said if he could enter the house and see that i did not have enough goods to enable the debt and charges to be paid, he would report that back to the creditor and they would be unlikely to attempt to control the goods for sale. I was cagey about this to say the least. I said i was unwilling to let him in for obvious reasons. He said that if he was not allowed in and I made no payment then the creditor can then make an application to the court to allow them/him entry to seize goods. I asked how that was possible as this was residential. He said they would apply against 'me' and they would be allowed to gain entry forcibly. I said that I would not allow them entry, to which he said i would be arrested for obstruction. I have never allowed anyone in the house and today i spoke to him on my doorstep with the door closed. I am running around at the moment trying to get family to lend me what i need left to apply for bankruptcy, but he was deliberately trying to scare me and made me think he could get a court order and gain entry by force. Please help, I am confused by the changes in the law last year. thanks in advance

Hi there, I am not new, I have another account but I have forgot my login details also in the past I have post content which was not acceptable and I have learnt from that mistake and I am very sorry and it won't happen ever again and I created a new account as I need some very urgent advice. On 5th of February, I made a complaint against my advisor at Job Centre because she keeps threating me with a sanction on my Universal Credit claim all because of my gay slogan t-shirt which has the slogan (NOBODY KNOWS I'M GAY), she said that if I keep wearing my gay t-shirts then my payments will stop and it will go to a decision maker for a possible sanction. Then on Wednesday what's just gone, I received an outcome of my complaint it states my complaint has not been upheld, I have appealed against the complaint as it's not good enough, the advisors are not my employer. Can Job Centre do this? sanction me for a t-shirt? I always see untidy people in Job Centre with football t-shirts, love hearts, batman etc but they can wear all sorts of t-shirt but I can't wear my gay slogan t-shirt. I have been to Citizen Advice and the man who I saw said it's pathetic that they threating me with a sanction because of my t-shirt and he also said I could go to papers and put an article in the paper, I also spoken to my MP yesterday (20 February) and he wasn't much help but he did state this in his own words: ''In my opinion, no Job Centre can't sanction you because of your t-shirt, however you can try to challenge them and if you do get sanctioned then you can get a solicitor involved''. I always see people in trackies and you certainly don't go to interviews wearing jeans and trackies, I feel they just picking on me because it has the word gay on my t-shirt. On my advisor case load, she always has people in trackies but she doesn't say anything to them, I just want your input or your opinions if Job Centre are allowed to do this to me? I have appointment next Thursday (26 February) and I will be wearing my gay t-shirt, if my advisor starts then I will have no choice but to go to Burnley Express (Paper). By the way, just want to make one thing clear, I never wear these gay t-shirts at a interviews but I don't see what's the problem is wearing it at Job Centre appointments. I am not trying to cause any trouble on here, I just need to hear your opinions. Thanks. Note: I had a Job at Boohoo for 3 months but sadly got my contract terminated because of my picking performance as I wasn't going fast enough, I was going fast I could, I only made the Universal Credit claim last month and got my first payment on the 19 February.

Hello, Just wondered if anyone can advise. A friend has recently purchased a vehicle through ebay. Shortly after the updated V5 was received a letter was received advising that the vehicle had outstanding finance and that it will be repossessed on the 23rd of this month. I have done some digging and it transpires that the previous owner never sent the V5 off and that the logbook loan was in fact taken out by the previous - previous owner. I have the name and address of the previous, previous owner as it is on the logbook, furthermore I know where they work as it is on their facebook profile, that I had a cheeky look at. I have not made contact yet. Not really sure what to do now at this point, can anyone advise? I have spoken to the loan company, who don't really want to know. Time is obviously of the essence as it is due to be repossessed next week. I really would be grateful if any advice!

Hi, Last year I was working on an electronics project for a car, which I posted on a forum many and people got excited about and wanted to buy for their cars. In the end, I decided to raise money to bring the costs down so I can buy the components in bulk. I sold 4 pre-orders for £65 each which was literally the cost for 1 unit per person. The total was £360 that was raised (Someone donated an extra £100 but made it clear he didn't want it back, although my intention was to refund him at some point). I spent over £500 in total for the parts since everything had to bought in bulk. Problems began when a vital part turned out very hard to get, only 1 person on their own makes this part and they didn't provide any support for it. Along with some other issues. The project went on hold for a long time, and now I'm selling my old car to pay everyone back, my car still hasn't sold, despite dropping the price heavily, just seems no one wants to buy it. I had an email from one of the people demanding to pay him back this week or he will start a CCJ. Problem is, I have £30 to my name which is borrowed money. Can I send him all the parts that value up to the £65 that he has paid for? I literally can't borrow money from anyone at this point.

Hi, Received a call from unknown number just before Christmas asking me to ring a number to discuss a matter - I didn't. Today have received a letter from Redwood Collections whose number it turns out was the one I was requested to ring. Letter is below, and is all they have sent to me, but my request for assistance from CAG (legends!)is what should be my first step with dealing with them, who I have never heard of or dealt with, as yes I dispute the whole debt for myriad reasons, but I want to be seen to be doing the right thing by replying to them - without listing all the reasons for disputing it at this point. I am not ringing them it will be a letter but what should I actually say in it - preferably to kill it stone dead asap! thanks for assistance According to the public record you are registered at this address. As we are unaware of any dispute in this matter, it is our intention to instruct a process server to attend your address for the purpose of serving you with a Statutory Demand issued under the Insolvency Act 1986 (Bankruptcy). Should you consider you have valid grounds for non-payment, we invite you to contact us immediately to discuss the same within seven days from the date of this letter. Should you fail to contact us and subsequently raise a dispute following the service of a Statutory Demand, acopy of this letter will be produced to demonstrate to the court that every effort has been made to resolve this matter amicably. Please be aware that should you become bankrupt any assets that you may have will be at risk. This may include the sale of your house by the Trustee in bankruptcy to settle this matter where appropriate. Yours sincerely, Enforcement Department Our company has the sole control of your account. Payment must be sent to this office. DO NOT PAY A DOORSTEP COLLECTOR, without first gaining our authority.

Battle of Britain chapel to 'the few' threatened with closure to save £50,000. Winston Churchill said St George's Chapel of Remembrance on the site of the former RAF station at Biggin Hill in Kent should be a permanent shrine to ‘the few’ who gave their lives during the Battle of Britain. http://www.telegraph.co.uk/news/uknews/defence/11324206/Battle-of-Britain-chapel-to-the-few-threatened-with-closure.html Please open the link and click on the e-petition link in the text or click below to go direct: http://epetitions.direct.gov.uk/petitions/73191 The chapel floor is made of wood from wartime aircraft propellers and stained glass windows commemorate the dead, whose names are inscribed in a roll of honour.

I have been in the same job at the same place for 10 years. In 2011 I was diagnosed with work related stress/depression and was signed off for several months. I did return to work on a phased return but did experience some harassment from my boss and after a year or so the problems flared back up and I was signed off for about a month with work related stress/anxiety/depression. Again I came back on a phased return and I insisted on completing an individual stress risk assessment where I listed some of the factors that contribute to the problems. I had one meeting to discuss tge assessment with my line manager this was 18 months ago. Since then there has been no follow ups at all. However i have made it plain that I have been struggling with issues (that were stated as stressors in the IRSA) yet nothing has been done even though it could have easily been. In fact i went to see the senior manager and expressed that I was having problems but was told that anyone not coping in this way would be failing the standards expected and could face a capability proceeding. Since then things gave come to a head and last week I was removed from one of my duties without consultation due to believed failings that are I believe due to problems stated as stressor in the risk assessment that have not been addressed or revisited in the past 18 months. On Monday I was informed informally by my line manager (the union regional rep) that I was likely to be fired. I became seriously stressed having oanic attacks etc by this and texted a colleague at 3am that I felt like topping myself. They told senior managers and they contacted me to tell me to not come in and see my GP whicb I am about to do. I am at the end of my tether and do not know what to do I feel completely unsupported. What was the point of the risk assessment if it is to be ignored like this.? This is a public sector post BTW