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  1. Hi, I received a letter from Philips 3 weeks ago saying I hadnt paid my magistrates fine of 277 pound. I knew I hadnt paid the installments for a while so called them to pay it. I spoke to a guy on the phone and said I wanted to pay in full and he quickly put me on hold. 2 mins later he came back and told me its now 277 + 85 admin fee!! I told him the letter said its 277 and thats what im paying. I then said not too worry and i'll just pay it online. I done just that then phoned the philips number 3 times over quoting my reference to be told by their computer that the account is sett
  2. I hope that some people can give me some advise here as I was given 2 working days to pay my council tax but the letter didn't even arrive until after the 2 days were up. Here is the letter I am sending to the magistrates court, I've put this here as it explains what has happened and saves me typing it all out again, if you have any questions for me please ask (note I have put my address and the summons number on the letter but havn't put that here)I'm hoping someone can give me advise on the letter and advise on a defence. Dear Sir/Madam, I have today
  3. Benefit fraud - do i need a lawyer? I have to go to court at the beginning of february charghed with benefit fraud. In the IUC I admitted there has been an overpayment of £16,000 income support and said I would pay it back. I have already put in place direct debits to pay it all back... My mitigating circustances are that I have been deeply in depression and on long term heavy medications (11 years) and I just did not give a damn about what happened to my life, i was living with rats, never washing myself or cleaning my home, etc... for a period of 3 years. I have not used this overpayment
  4. Hi, I am new to this forum and have been reading through some previous threads so hoping you can offer me some advice.. I recently (Saturday 7th Aug) received a distress warrant from Philips recovery agents..When I opened it I was obviously shocked as I had no idea what it was for or about.. I called Philips to enquire about it and the only information they could provide me with was that it dated back to an unpaid Magistrates Fine instructed by HMCS NW London dating back to November 2008. I called the HMCS on Monday (09th August) as I was still puzzled by this and as I pre
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