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Found 7 results

  1. hi could anyone please help or advise.... I received a letter form tax credit saying they had information my ex boyfriend was linked to my address. I called them today and they have asked me to provide them with supporting documents to prove he isn't. I also called my ex to ask if he's heard anything or if he knew why they had contacted me, he didn't know what I was on about but he did say he has been on sick and recently started to receive SSP. I'm really worried because although there is no connection between our houses they are saying he is linked to mine. I also very
  2. To some this sounds attractive. Mind our own business. make our own decisions. Pull up the drawbridge. In the modern world it just is not practicable. It wasn’t so even 40 or 60 years ago. The world’s troubles, the world’s wars inevitably dragged us in. Much better to work together to prevent them happening. Today we are even more dependent on what happens outside. Our trade, our jobs, our food, our defence cannot be wholly within our own control. That is why so much of the argument about sovereignty is a false one. It’s not a matter of dry legal theory. The real te
  3. I finally faced up to my huge debt problem and went through the CCCS to try and get life back on track. A repayment plan was made Everything's been great so far, apart from the Halifax who only let you have 6 months before they default you and send to DCA. So, I have now have defaults (through the Halifax) which I would love to get removed from my credit file. Having sent signed CCA requests to each of the credit card companies, so far, they've sent agreements just printed out (no signature) or application forms. They say that they don't have to send true copies with
  4. Rather than go through rubbish Stepchange, I intend to leave Stepchange and make payments to creditors ourselves. But, will making these individual payments hinder our possible mortgage application in a few years?? If we start making eg, £1 payments to a creditor, these will show on our bank account. If a mortgage provider scrutinises our account and sees payments like this to creditors, will it ring alarm bells/raise questions? Some of these debts have vanished from our credit report and I was just hoping that they stay hidden. Thank you for any advice
  5. Hi Guys I have a query regarding EOS. I signed off JSA over 9 months ago after referral to the WP, since then they are continually trying to contact me asking me where I am working. They never found me employment and I therefore do not feel obliged to provide them with any information. In any event it is my private info. I have ignored their calls and they have now started contacting my parents asking them for details. Why are they so persistent ? Any advice welcome. Thanks
  6. Hello all, This is my first post and I have been reading other threads but I am still not quite sure what to do and need some help and advice please! I have a few debts which total approx £16k and until now I have been managing it by myself but after several things happening over the last year we have had to reduce payments and I have had to start speaking to StepChange. They have come up with either a DMP or IVA but we are currently thinking against IVA. I am contemplating DMP or just trying to go it alone with one of their letter templates and do not know which option is be
  7. I own a flat and am renting a room out to someone whose girlfriend stays over a lot. I have asked that he not have her in the flat alone, and I thought he agreed. this morning when leaving for work she was still there and he had already left. I spoke to him about this and he seems to think that because my sister stayed over last night that he's entitled to have her in the flat as he likes. Now my sister stayed over, but she left when I did, and as it's my flat surely I am not subject to the same rules as him. I made the point that he and my sister are both covered by my insurance if they bur
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