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  1. My Mother is 96 and has had a M&S CC for many years, used for phone and online shopping which also gave her a feeling of independence as she rarely left the house. She began displaying signs of dementia late last year following a stroke, then fell at Christmas suffering a v serious head injury and was not expected to survive. She was eventually stabilised, though only after two scary doubt-filled relapses. It was then immediately clear that her dementia had deepened v substantially, and to make a long and very evil story short my Mother has in just a few weeks been replaced by s
  2. Armed forces and reserve forces pension schemes: guidance booklets READ MORE HERE: https://www.gov.uk/government/publications/armed-forces-and-reserve-forces-pension-schemes-guidance-booklets
  3. Guidance Data Protection: rights for data subjects READ MORE HERE: https://www.gov.uk/government/publications/data-protection-rights-for-data-subjects/data-protection-rights-for-data-subjects
  4. New guidance to support staff engagement during insolvencies READ MORE HERE: https://www.gov.uk/government/news/new-guidance-to-support-staff-engagement-during-insolvencies
  5. Could someone please advise on the “6-years and it lapses” rule, I want to know if it still is in place, and also if it then has relevance for the following. 5 years ago I acted on advice from the wonderful people on this forum. I had previously retired at 65 after a business collapse, and was facing constant letters/calls from debt collectors regarding some related debts amounting to £36K across 5 business credit cards, 1 personal card, and a small-business loan. As a result of great advice I was able to hold my ground and even go on the attack, and after a year or so 4 of the deb
  6. Crime news: revised Crown Court fee guidance READ MORE HERE: https://www.gov.uk/government/news/crime-news-revised-crown-court-fee-guidance
  7. Guidance The Service Pupil Premium (SPP) READ MORE HERE: https://www.gov.uk/government/publications/the-service-pupil-premium
  8. I was really worried, I get caught for shoplifting at tkmaxxx. I have given my address, name, phone number and signed the banning form with exclusion list of stores for 12 months and a letter with RLP that I need to wait to pay them a lost cost of Tkmaxx which they have gotten all the goods back worth 60 Pounds. What will happen if I pay them? Will there be any further problems in the future? I am really ashamed of myself It happened because i'm not myself that day and suffering from depression from most of everything in my life. I reall
  9. A week or so ago a regular contributor on here (Dodgeball) started a discussion thread on the subject of when a bailiff should legally be able to charge a 'Sale Fee' of £110. The importance of this subject prompted me to approach CIVEA (The Civil Enforcement Agency) and yesterday they provided me with a copy of their official Guidance Note on the subject. A copy of this should be featuring on their website this weekend. Dodgeball's important and interesting thread on this subject has run to 5 pages and with 100 replies, I thought that this Guidance would get better publicity if it was po
  10. Guidance MOD confidential hotline READ MORE HERE: https://www.gov.uk/guidance/mod-confidential-hotline
  11. Armed forces service complaints process READ MORE HERE: https://www.gov.uk/government/collections/armed-forces-modernised-guidance
  12. Guidance Unpaid estates of deceased service personnel READ MORE HERE: https://www.gov.uk/government/publications/unpaid-estates-of-deceased-service-personnel
  13. Joint Casualty and Compassionate Centre (JCCC) Guidance: READ MORE HERE: https://www.gov.uk/guidance/joint-casualty-and-compassionate-centre-jccc This information is relevant to Serving Personnel & Next of Kin / Family Members.
  14. This is my first post so hope format is ok. I took out MBNA credit card (as Abbey National member) over 10 years ago following a change in financial circumstances was unable to make the repayments. I entered into an agreement to pay £1 a month to MBNA and a number of other creditors in 2010. My total unsecured debt is over £50k, and debt to MBNA was approx £16k. This debt was moved on to Aktiv Capital then to PRA Group. I have made these £1 payments since 2010 to all 3 organisations (I believe there may also have been another company in between MBNA and Aktiv b
  15. There continues to be confusion about the charging of 'multiple fees' by bailiffs when enforcing more than one warrant (or Liability Order) at the same time. This confusion has lead CIVEA (Civil Enforcement Association) to seek legal opinion on the subject and as a result, they have issued the following Guidance to all their members. CIVEA Guidance Notes are designed to address issues which have arisen on the proper interpretation and implementation on a particular part of the regulations (in this case, 'multiple charging'). PS: CIVEA represent the interests of all private ce
  16. Hi Every one I had received a parking ticket for allegedly parking in a restricted area (client permit area) from High view parking. to further explain, we wanted some new carpets and went in a shop in hillsborough in sheffield which allows free customer parking. We parked in an area where there was a board of customer parking on the wall that i parked against, on the adjacent wall there was permit parking board. I genuinely thought it was customer parking, parked only to get a notice that i had parked in restricted area which was for clients only from
  17. The following PDFs are the MOD Guidance on: Guidance notes for Service Personnel applying for a mortgage Guidance notes for Service Personnel when applying for Unsecured Credit FOI201600147_Annex_D_Guidance_Notes_for_Service_Personnel_Applying_for_a_Mortgage.pdf FOI201600147_Annex_C_Guidance_Notes_for_Service_Personnel_Applying_for_unsecured_credit.pdf
  18. The Financial Conduct Authority has taken over from the OFT. You can find all you want to know about Debt Collection Guidance, etc HERE Also in the CAG Library HERE
  19. Hi, I was hoping someone would be happy to share the process of getting Bryan Carter Solicitors LLP to consent to my CCJ being set aside. The court date of the CCJ was 06/08/2014 for £546. I have been living abroad outside of the uk since January 2014. I only found out that I had this CCJ when I decided to check my credit report. Got email confirmation from the court only in October 2015. The original debt was for a Vanquais credit card. Lowell Group are the listed claimant on the CCJ. When I contacted them they told me to get in touch with Fredrickson International
  20. Someone who signs on daily like me when he was in on Friday he was given a date to sign back on again after the holidays and he said to me the adviser who signed him on said the office for the computers use is open to Wednesday if u would like to use them he said no he can jobsearch at home she said something back but he can remember what but was he wondering will anything happen if he doesn't go in to use the computers? Or nothing can happen due to not been given a letter or a mandatory letter to come in to the office? He would like some info because he doesn't want to be worried about h
  21. A really great .pdf document about Passwords, and well worth the read. Full Article
  22. I have a question regarding some of the entries in the Halsbury's Statutes 4th edition at book 13 page 791 to 796. Parts 1-[723] - 6 at [732] does any of this help at all with the more modern act taking control of goods act 2013? Namely the following 4 Exclusion of certain goods [731] 4a Hire purchase etc. agreements [732] Can anyone explain a little bit more on this please?
  23. Today, following a review of TV ads for payday loan products, we are publishing new Guidance to prevent ads trivialising the serious nature of taking out short-term, high-cost loans. The Guidance clarifies the spirit in which the rules must be interpreted, particularly the rule that requires ads to be responsible to the audience and to society. For example, ads should not encourage consumers to make an ill-considered or rushed decision about borrowing, particularly without considering the financial implications of doing so. In the light of research by the Children’s Society and evid
  24. I've been recently charged with Fraud by false representation (1st offence), for returning a low value (under £50) clothing item to a store for a refund. A week after this, I was arrested because the shop claimed the item wasn't their stock and tags were placed by mistake. This was purchased from their online store if that matters. Now I have a Magistrates' Court hearing and will be pleading not guilty. I am scared for my life and how I will be able to argue my innocence but will demand a trial by jury, which will drag this process for much longer and make it very costl
  25. Good evening this is my first post to this forum. I am looking to send some f and f letters to DCA's in the week, can anybody advise on what level I should aim at I was thinking starting at 20% of outstanding balance. Can people give me an idea of their experiences/successes. Cheers
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