Hi there, Fantastic Forum. Keep up the good work. A while ago my friend has been accused of benefit fraud. She has sent in an appeal at the moment, and she is waiting for them to get back to her. I have helped her by reading posts on the forum, and following some of the advice being given on here. But now I am stuck and don’t know what to do now. Like I said she is waiting for her appeal, but now the housing association are getting tough on her. They are demanding the rent that has gathered up due to her housing benefit being stopped months ago. She has been paying her water rates because her income support has not been stopped as of yet. But she can't afford to pay the full rent. She is due to appear in county court on a civil case in a couple of weeks time. She is a single mother with two children. She doesn’t speak much English. She is really stressed and doesn’t know what to do. Please, please help.

have an ongoing battle with lloyds tsb via robinson way , lloyds have admitted that there is no cca for the credit card account but today robinson way letter arives saying our client has advised us due to the terms and conditions that you agreed to when you opened this account you remain fully liable for the amount outstanding , we now require your proposal for repayments . any help here please

I've just received a letter from HMRC regarding my tax credit award. It says that the information I've given is not the same as the information they currently hold. When I checked, it says on the award notice that I am in receipt of Higher Rate Care component when in fact I get Higher Rate Mobility (chronic severe RA). Because nothing has changed and because I wanted to get it done as I kept forgetting, I didn't check it and just filled in the figures and signed it - stupidly I know. Anyway, they're now investigating us and I'm panicking about what they will do. OH says not to worry and he'll deal with them on Monday. His argument is that we've never said we got HR Care , only HR Mobility so it's their fault not ours but I think they're more likely to say, quite rightly in hindsight, that I should have checked it before I sent it. So what are they likely to do? The other thing that's strange is that OH only posted the return two days ago but the letter from them is dated 28th June. It says we made a claim on 6th April but we didn't - or is that just administrative? As usual these things happen on a Friday afternoon so I've got to stew all weekend. Any advice would be gratefully received

I have a friend who's son took out a payday loan with the money shop when he was 17. They are hassling him for the debt. Am I right in saying that they cannot enforce this even though he is now over 18?

Hello I am a new member but have read through some of the threads that pertain to my situation. However, this is slightly different, and I was hoping for a little advice. My husband was initially called for an IUC two weeks ago. He suffers from congestive heart failure and is not at all well. We are claiming housing benefit and he also gets pension credits. He is 65. The housing benefit does not touch the amount of rent we pay to a private landlord, there is a short fall of £700.00. Obviously he had no idea what they were going to ask him. In fact the investigation was into me, not him, as I have been desperately trying to start a new business with an old friend in America. To that end we designed a free web site, in January, which they showed him at the interview, and my bank account. Our friend has been helping me out with the rent money with the hope that we could get a business going with the website. My husband has been unaware of my efforts as I wanted him to be as unstressed as possible. He has really not long for this world and I have been trying to keep him calm and content. The money paid to me was not income, just loans until we could get some business going. We have not, and have earned not a penny from this venture. They have now written to me, to explain the situation. Following my husband's interview quite naturally he is worried, as am I. The payments have not been regular, only as and when our friend could afford to loan me the money. I am trying every which way to get a business going, because I cannot work full time away from home because of my husband's condition. I personally have claimed no benefits at all and been honest about my only income which is £400 rent from a BTL house that is now in negative equity. Is there anyone who can give me some sound advice. I am quite happy to tell them truth just as I have here. Thank you.

Hi some advice needed i purchased a van of a friend in January this yr and gave him the prcodes of 750 pounds of my old van ..and also 250 pounds more in cash.as he said the vehicle was thousand pounds...i went bankrupt at the end of Jan.on Sunday he has taken the van while i was away on holiday and has locked it in his unit and is now demanding 1500 pounds for it...and all my tools are in the back so i can now not work without my tools so won't be able to pay to my bankruptcy what i pay every mth as impact not working .. i phoned the police who have said it is a civil matter even though he has no proof of ownership of the van or theamand is refusing to give back i cannot also afford to keep paying the insurance payments on it as im not working so would just like to no what i can do as dnt pay him instead of my other creditors and also dnt get my van and tools for work .....help needed

hi i have just received a letter telling me i need to be interviewed under caution i receive middle rate care and high rate mobility i suffer from rumatoid athritus . iwork in a small cafe i have done for 6 years but the hours i work have changed over the years due to my condition i was working 2 days a week my boss was very good by puting things in place for me eg opening cans jars pealing potatoes basically thing i was unable to do i took holiday for days i was unable to go in and come home if i could not finish a shift once i got home that was me finished for the day as once i sit after walking or working i can not walk i have very little use in one hand and it is a struggle to get through a day at work i left my job 3 weeks ago due to it getting to much then received this letter today i dont know if ive done wrong and im in a terrable state can anybody give me any advice as to if i have done wrong these are the only benifits i have ever claimed i have always worked . thankyou

My partner got a IUC letter and he went for the interview last week, they said it was relating to a claim made in 2009. This is how the story goes.... Febuary 2009 partner was diagnosed with type one diabetes, lost his class two licence subsequently lost his job, got another job but was made redundant three months later, we got really behind with the mortgage, was due to go to court to have the house repossesed (thankfully family intervened and bailed us out) He put in a claim for himself, me and the 3 kids was awarded IS,and part housing benefit, but here is our downfall, he didnt declare i was working , which we know was wrong and dishonest, but i only worked 4 hours a week, wasnt on a set wage i only got commission so we didnt think we had to declare it (stupid i know) but we had never ever claimed any benefits as we've always struggled and didnt want anything off the state but we were as they say "up **** creek without a paddle" We came off benefits in december 2009 when he got full time work again.Because he worked for the construction industry which was hit hard in the recession he has been made reduntant a further 3 times since then, but we never made a claim as he was always determined to find another job no matter how hard things were.Last year he started with agencies which were very hit and miss with work, a week here, three weeks there. In august 2011 i phoned (or so i thought) to tell tax credits that he was working but couldnt tell them how long the work was for as every Friday he didnt know if he would be going back to the site! I got a full time job in January of this year but my partner was out of work, so i told the tax credits this and they said they thought he hadnt been working from August 2001 and would amend our tax credits we are now paying back our overpayment,any how the DWP want me in for an interview now and i dont know what to do or say as we dont know how much the tax credits know and its scaring me silly, we've had our renewal form for tax credits but we dont want to claim as it may open a whole new can of worms. We will pay back every single penny of any overpayment that is owed we just dont know what the outcome of all this will be, my partner is preparing himself for a stretch inside!!! If anyone can give me any ideas on what to do or say before i have no hair left i would be truely grateful!! P.S sorry if this thread is long winded

I have a CCJ hearing on Wednesday about an outsanding "finance gap" debt after repossession of a vehicle last year. Would be grateful to hear of relevant precedents/case law. I bought the vehicle under an HP scheme, transferring in a part-ex finance gap from a previous car. Payment problems after loss of business caused me to default and the vehicle was repossessed last October. Court date is Wednesday. My initial defence was that the price they gave for the auction figure cannot be sufficient, that it is unjust to take their word and they had produced no hard evidence of the auction price. The finance co's solicitors have since come back with documents justifying the auction price. I want to argue the 1/3 paid issue (repossession was without a court order and under some duress off private land and without my consent, so there may be other issues to argue as well) but there seem to be many views on what precisely constitutes the "1/3 paid". These are the figures: Original total price (April 09) £ 34,001 Part-ex in from previous vehicle £ 3,848 My initial deposit £ 7,500 Balance due (this was financed) £ 30,350 Charge for credit was £ 9,024 60 monthly payments of £ 650.15 Claimant's solicitor is arguing that I paid a deposit of only £ 3,651 as the remainder was to cover the previous finance gap from the part-ex vehicle. This is almost certainly false, as the documentation clearly shows me paying a deposit of £7,500 regardless of how it was used. Prior to repossession, I had repaid approx. £ 6,500 in installments. Therefore the total of my installments + initial deposit was roughly £ 13,500 which appears to be more than 1/3 of the total sale price. Would be grateful for any suggestions!

Hi there. I am trying to help a friend sort out a problem & hoped I might get some advice. He had a substantial debt, which the bank obtained a CCJ for sometime ago. Frustrating I know, but he does not know how much the judgement was for or what the payments should be & hasn't been sent any payment book etc . I tried to find out more, but he just said he waited until he got a letter from the court & then paid it! The situation now seems to be quite serious, I have seen the letter that says they are going for a warrant of execution & yesterday, he had a visiting card from a baliff whilst at work. He is going to the court today to make a payment & I have told him he must ask for details of the original judgement & we can take it from there. At the moment they seem to be asking for arrears of over £2000 to be paid within 7 days. Impossible of course. A couple of questions. Will the local court be able to provide him with details of the judgement? He is able to make reasonable payments towards the debt. Should he contact SCM to arrange this, or go straight back to the court for a variation order, assuming that the payments must be pretty high for that level of arrears to accrue? Thanks in anticipation