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  1. Hi Husband restarted work 13th March informed ESA they did not acknowledge. So filled in Carers online form on 28th because, we could not get through on the phone. All was good and payments stopped on 16/04 as Esa still hadn't responded we were happy at least CA had completed to paperwork. CA sent a form to complete to see if my husband was still entitled however as self employed we had no info to put on form. so... Finally ESA after 3 recorded delivery letters updated the info and they were given earnings paperwork. We then had info to give to CA called them and
  2. Hi I am looking for some help in identifying what the correct default date should be on an old debt from Barclaycard. I went into arrears on a Barclaycard account during 2011 and the debt was transferred to IDR/Link Financial Outsourcing in March 2012. There was no default issued to the credit reference agencies by Barclaycard before it closed the account and transferred it to Link, who subsequently registered a default in September 2012. However, having gone through old paperwork whilst preparing a CCA request, I have found a default notice (section 87(1)) from Barclaycard (vi
  3. i have a defaulted loan of 2k with 1st credit. one of 2 debts left that ive not done the business CCA with yet. they are a bizarre DCA. Ive had no issues with them but i get friendly "offers2 from them" now and again. they have offered a 50% reduction (which i cannot afford) on the account. are Everyday in trouble as per cattles or are 1st cred in the wotsits??
  4. Why is recycling such a confusing issue ? For the full story: http://cag.tw/26n7 I am horrified at the reports regarding plastic specifically and the damage it is doing to wild life and the environment. Why can we not be given clear guidelines rather than being threatened with not having our bins emptied or fines. Whilst common sense should make one see that you dont put contaminated paper/plastic in for recycling, it is still very confusing as to what we can and cant put in our recycling bins.
  5. Hi REGARDING SECTION 8 OF THE BUDGETING LOAN FORM there is some confusion regarding what is needed to be filled in if you are filling it on behalf of someone? can anyone help? it states:- have you filled in this form for someone else? NO (go to part 9) YES please tell us about yourself Please tell us why you are filling in and signing this form for someone else TICK BOX I am sending a letter by the claimant with this form, the letter tells you that they agree to me making the claim for them NOW SIGN THIS FORM IN PART 9 TICKBOX i am t
  6. Hello, I am having some issues with Lowell about a JD account. They have been hassling me for a debt, but the figure is much higher than it should be. I wrote to them and said that the figure is wrong and that I am waiting for JD to reply to me, Lowell said this to me: I appreciate that you are awaiting a response from JD Williams, however as previously advised, they are under no obligation to respond or to provide a figured owed. This is because Lowell are the legal owners of this account. If you wish to dispute the balance of this account it would need to be
  7. I regularly check my credit report with Equifax, Noddle and Clearscore. I moved house over seven months ago and transferred all my bank account details to my new address. I am on the electoral register at my new address and I removed myself from the register at my old address. I did this months ago so all should be fine. However, my Equifax credit report still shows me living at my old address and says I am not on the electoral register at all. My Noddle credit report shows my old and new address but also says I'm not on the register at either address. I have writte
  8. Hi, I live with my husband, we are both self employed, I had a baby in September and receive Maternity allowance. I was also receiving Working Tax Credits and Child Tax credits, around £80 per week. My husband is currently quiet with work so we asked the council for rent help, they told us they can no longer help and we need to apply for universal credit. We did this (horrendous application system!) and in the meantime our working and child tax credits stopped, we were never informed this would happen, i wish i had just left it as it was. We were relying on that money and now it
  9. Hi All My partner received a windscreen ticket for parking in a disabled bay. As per the advice on this forum, we have waited for the NTK, which arrived 34 days after the ticket was put on the windscreen. I am planning on writing for a POPLA code but wanted to clear up a question I have on the POFA Act 2012. Under section 8, which (as I understand it) is the section applicable if you have a windscreen ticket, the act says: (4)The notice must be given by— (a)handing it to the keeper, or leaving it at a current address for service for the keeper, within the relevant
  10. Hi, I'll try and explain this as best I can, last December (a week before Christmas to be exact) we had a visit from 2 high court enforcement officers (their ID was on a laminated card) they said they were from court enforcement services and were acting on behalf of NPOWER for an unpaid ccj that has been transferred up to the high court and they were here to take payment or sieze goods which I think they said was to the value of £2563 - odd, ( we said you can see we don't have goods to that value anyway and they agreed) at no point was any paperwork produced to break do
  11. I have a charge order placed on my house by Bristol & Wessex Water for £1800. They recently sent me a letter stating that if I don't pay the full amount they will be taking legal action and apply for an order for sale. I then will be sent an order to vacate my property within 28 days. My house is owned outright with no mortgage and currently valued around £200K. I am living on a small private pension with no chance of paying back the debt. I went to the CAB who told me that I will end up homeless and living on the streets as there is no social housing available for s
  12. hi all, hope you can help. My mum is sight impaired and receives enhanced rate PIP for both mobility and daily living. She is fiercely independent and is still looking to work, she claims income based JSA and receive 2 disability premiums. Her DEA at the jobcentre has said she should be claiming the 3rd premium as well BUT she is confused about the eligibility criteria. Her home is on a joint mortgage with her brother in law (and sister but only BIL on mortgage) and she receives council tax support on her half of the council tax. As a joint owner my uncle is on the counc
  13. I have a few queries that I hope people can help with 1) Can a party ask for Additional Information - if a Claim has not yet been allocated to a Track. Can a Court allow Additional Information - if claim not allocated? 2) If other case management issues are held the same time as a Strike Out application wouldn't that prejudice the Strike Out? 3) How long after the Directions Questionnaire should Allocation take place? 4) In Discrimination cases are Assessors needed for a Strike Out - as this could be Final Hearing. Thanks.
  14. I am confused here. I am currently being persued for a previous HP debt which in fact I am making payments for but I dont have the car which is a different story. I am concerned that one day my new car will be clamped even though it is on HP. It seems that when you look at web advice...some say it is protected and some is not. So...if I have a vehicle on HP: Can it be clamped. Can it be removed.
  15. I am mightily confused. I have been signing on for 12 months, at the start of my claim I signed a claimant commitment stating I will do X number of steps each week to find work, IE look in papers, ask family and friends, use UJM etc. I completed my job search online and always filled in my activity history on UJM, ensuring I recorded X number of steps as required in my claimant commitment. Part way through the year I was told not to use UJM instead I was given a paper template to fill that stated I must do 35 hours job search per week, this had a section to fill stating the tim
  16. I have moved into my property 3 years ago and really should have moved to another supplier before now as I have had nothing but trouble. To cut a long story shirt, when I moved in I called up to notify them of my details and they wanted me to setup a direct debit of £150 / month. The previous owner had left copes of their old bills with references, they had only paid just over £300 for 3 months (and that was for winter months). So I asked them to continue billing on account which seems to be something that they either dont like or cant cope with. I have hardly ever received a bill,
  17. Hi, Hoping I can get some advice here about a conundrum I have. I have an old debt for a personal loan which will become SB at the end of february. Having heard nothing for years I suddenly received a notice of assignment from a DCA about three weeks ago. Then yesterday a request for me to contact them about payment. I feel sure that I can probably stall them until it is SB with some careful letter writing followed by a CCA request, but im a bit confused about the wording of the 1980 limitations act and various comments ive read on forums and advice sites. Will
  18. I am hoping someone here would be able to offer some insight on my loan deferral before I tear my hair out! I have loans from 97/98/99 - originally they were partly sold off to Thesis and then later to Erudio. I have deferred payments every year based on my income. For the past 2 years, I have submitted my deferment application to Erudio via email (I live in Canada and never receive paper correspondence on time - did not want to risk missing the deadline for deferment). I followed the same procedure this year as my deferment is due at the end of March. I received
  19. Hi all Need some confirmation as the supplied documentation that comes with the form seems to contradict itself. I moved home, and need to get my paper license address changed. I was told that I'd need to upgrade to a photo ID type license. The form I have is D1 and makes no such assertion that I MUST upgrade to a phot license. It has a section just for changing the address on your paper license. In other parts of the form it says that I need to provide a photo (signed by recommended professional) as proof of identity... It also says that a change of address carr
  20. I have a tenant who is getting behind with the rent. She was on a six month AST which expired. According to the tenancy agreement (RLA standard form) at the end of the fixed period the tenancy becomes a monthly contractual tenancy. In the tenancy agreement I ticked the box for rent to be paid every four weeks as she was on housing benefit and it seemed to be easier as it fitted in with the housing benefit payments cycle. For three years all went well as she was getting full housing benefit which the council paid to me directly. The tenant then found a job but it was on a zero hours co
  21. Growing numbers of motorists are having their cars clamped and towed away because of confusion over tax disc changes. New figures published a year after the tax disc was scrapped suggest that drivers are still struggling to adjust to the new electronic system. The disc was an obvious reminder. It has now gone and we think people might be forgetting The number of vehicles being clamped or impounded has leapt from about 5,500 a month under the old system to more than 8,000 a month. This hit a peak of 10,554 in July. The increase has been put down to confusion over new rul
  22. I am encountering a similar situation with CMS Telford / Brum but I am unsure of full account number details but do have a different eight digit reference from CMS letter). Can I still make a CCA Request for this other account that I did not agree to ? And by sending this will this mean I accepting liability of debt ?
  23. If a credit card account is in arrears and PPI claim is up-held by bank, do they offset all of refund against arrears ? Will this also include the net 8% statutory amount or will that be mine ? I have tried looking on FOS website for some clarification for this circumstance but I cannot find anything ? Thank-you
  24. Hi. I have read lots of these forums and seem to have got myself in a bit of a pickle of what to do next after having my appeal rejected. I received a PCN for 'leaving the site' at the beginning of August and wrote back to UKCPS stating about the signage not displaying the site area, what proof they had etc of me leaving the site NOT surprisingly the appeal was rejected and have not quoted any reasons why. (obviously a standard letter) I am struggling what to do next. They have told me that I can appeal via IAS however it is well documented that this is
  25. Hi I recently checked my credit file with Experian as due to our family expanding my new wife and I will need to remortgage and buy a house. On checking my file, a CCJ was posted against me by Drydensfairfax. I found out this was on behalf of Egg for a debt that is over 8 years old and I thought statute barred hence why I'd had no contact for many years. I am reluctant to contact Drysdenfairfax as I do not wish to admit any liability but at the same time, I do not wish to have a CCJ on my file for the reason above. I had not received any contact and hav
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