Hi Quick bit of advice. Earlier this year I was awarded 3 year ESA in support group due to Fibromyalgia and Functional Neurological disorder along with severe depression. I have been on every antidepressant my dr with prescribe and i'm being seen by mental health services, im also on Butrans patches for pain. Anyway been paid fine every since the award until 13th August when the payments just stopped, no letter, no phone calls nothing just no money. I have phoned the hotline a few times and they always say I can't see any reason on my system for not paying, i'll email another department and they will call back later the same day. Of course i've never had a phone call back. In the meantime the local job centre wrote to my wife inviting her in for a work related interview which is odd because she's self employed and does a little work here and there when it comes in makes no more than £500 a year after expenses. Anyway I wrote back to the job centre explaining she can't get there because we haven't had any money and the job centre is a 25 mile round trip, I made it quite clear it was not a refusal to attend but just not right whilst they are in breach of their side of the "contract". JCP have written back putting the appointments on hold indefinitely until they start paying me again, still no explanation why they are not paying. I've written a complaint and sent that in asking what is going on that was nearly 3 weeks ago, heard nothing. My MP has written to them again nothing. Am at my wits end over it, i'm not good on the phone when dealing with things like this because I am easily confused due to the neurological issues and I have a phobia of the damn thing so I rarely answer it unless I know who is calling. On top of the ESA problem, I returned our child tax credit renewal to HMRC and they have ignored it and rolled salaries over from last year meaning they have invented a £25,000 income we don't have slashing our tax credits down to £79 a month. So at the moment all we're getting is £79 ctc and £137 child benefit to pay for 2 adults and 2 young children. My wife and I visit the community cafe every thursday for a free hot meal to save a bit of money that way but to be honest i'm just getting to the point of snapping over all of this along with the car problems (posted in garage area) and these 2 problems (i'm hoping HMRC screw up is what has stuffed up my ESA but I have no idea on that!) Permanently on the brink of tears and feel so depressed. On top of my usual pains and problems im now losing a lot of weight because I am vomiting several times a week for now apparent reason when it happens sickness lasts 24-48 hours where I can't keep anything down, drs don't know whats causing that either/ Really feel like it's not worth bothering anymore just feel so under someones boot. We're only just managing to put food on the table at the moment let alone paying any bills. Does anyone have any advice on where I go from here i've written to everyone giving them the correct info but no one seems to be listening. I can prove that the DWP have never called back because I have extensive phone call logs showing they haven't called (no withheld numbers called either)

BILLED DEFERRED FINANCE CHARGES What the heck is this? I have been checking my credit card to make sure everything is as it should be and found two of these entries. One is for £0.38 and the other is £1.76. it says merchant and gives a code, but the code means nothing to me, as I cannot identify the merchant. I buy from overseas at times and there is a transaction fee for this, so am at a loss to cross reference this. I am loathed to phone them tomorrow on the 0300 number supplied on the statement.

The new bailiff enforcement regulations came into effect on 6th April 2014 and a short while later an individual made a Freedom of Information request to the Ministry of Justice seeking clarification on the legal basis for court fines to be covered by the new regulations. On 1st July 2014 I posted a copy of MOJ’s response on the forum and that thread received a lot of views. Unfortunately, there continues to be significant misunderstanding about bailiff fees for Magistrate Court fine and yesterday yet another video was uploaded onto YouTube regarding a debtor who filmed a visit from a Marston Group bailiff regarding two Magistrate Court fines and where the debtor had sought advice from the Beat the Bailiffs and the Banks Facebook page that paying the amount only of the court fine to the court (minus bailiff fees) would clear the warrant (which of course it does not). For public interest sake it may assist if I post the Ministry of Justice’s response once again together with some further useful information.

Please could we have an explanation why this thread was closed. http://www.consumeractiongroup.co.uk/forum/showthread.php?434085-How-to-beat-All-IPC-windscreen-parking-tickets/page3

Hi All, My dad has today received his SAR response from Barclays of which I am going through for him. Your help will be greatly appreciated in answering my queries. 1. On the Prequal PPI under BID policies my dad has one for First Plus, does my dad complain to Barclays about this? 2. On the retail account details it lists Barclay loans plus the First plus loan mentioned above and 2 monument visas. My dad had 6 loans with Barclays some with PPI. The Barclay loans show a "Y" or "N" under the account PPI Flag section, but the monument visas and first plus loan show "I" under PPI flag. What does the "I" stand for? 3. If my dad did have PPI on the monument visa which was sold to him in branch at Barclays, does that mean he complains to them and not monument? Thanks in advance

Hope someone can help with this. I have been going back over some old Capital One statements from around 2000-2004 and found some charges etc. which seem to be rather unexplained. They appear as "Finance Charges", and later as "Special Purchase Interest". It is unclear what these relate to and I am tempted to think they may relate to some sort of semi-disguised PPI payment. Am I being paranoid, or has anyone seen anything similar?

I just followed a link supplied by Bandit127 for `Noddle` free credit file info for life. I tried to register but was not accepted. Then my wife suggested I register in her name. The site accepted my wife`s application and so we checked what was on file. It showed three accounts. Two were up to date and correct. But, it showed one in default for £200. It had been registered by Lowell in 2009. My wife explained that the account is in relation to mail order and has always been in dispute. Letters were exchanged, telephone conversations had etc. Threatening letters received etc. But then nothing heard for years. It came as a bit of a shock when the wife read this information. My wife has never received any information about this being on her credit file. We thought that the debt collection agency could only put this on someones file, if the case had gone to Court. Can anyone elaborate on the criteria, that enables Lowells to put this information on ones credit file? Many thanks