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  1. I have just joined the Community here for your thoughts and we thank you in anticipation of any help you may give. We had a questionnaire from Abbey Life regarding enhanced annuity. They state on the bottom of the letter with the enclosed questionnaire - 'Abbey Life did not offer enhanced annuities, but one may have been available to you from another provider if you were eligible, and therefore you may be due compensation.' So we wrote to them saying we consider we may have been entitled to an enhanced annuity via an Independent Financial Adviser. (They do say this questionnaire is in relation to the purchase of your Abbey Life - Joint Annuity.) They have now phoned because of the letter and we have arranged to talk to them Friday afternoon. 1. My husband had a Waiver of Contributions implemented as a result of an accident before he reached retirement age. He does not get a huge amount because he only took out what we could afford at the time . We had hoped to increase it over time, because his employer did not offer one, even so we were pleased we did a Waiver of contributions option. Note: He went onto have a TIA and now has a pacemaker. I also went onto have breast cancer in 2007. 2. Looking at the questionnaire in our mind it was not relevant - we thought he was committed to Abbey Life. In fact it starts off with 'Why did you contact Abbey Life ......' So our question is - (a) this person from Abbey Life is saying he could help us over the phone to complete the questionnaire. But we are wondering if we should be seeking independent advice now? (b) being my husband was already on 'Waiver of Contributions' then is he in a different category? Any thoughts would be appreciated.
  2. Hi I would be grateful for a little bit of help, or confirmation that I'm on the right tracks for putting my case forward to DLA for mandatory reconsideration please. It involves the past presence test, genuine sufficient link test etc. Basically I really could do with someone showing me where to find the relevant decision makers guidance and confirming whether what I'm going to write is correct. I have found some DMG but I don't know if its up to date, so Ill need to ensure I link the correct DMG paragraphs etc to support my claim. Basically we do not meet the past presence test as only returned to uk in nov after living in Australia for 18 months....but I believe we meet the other three criteria involving eu regs, hab residence, self employment etc, genuine sufficient link to uk....meaning, I think, that this means past presence need not apply to us. We are British born, lived in uk al our life barr 18 months, have worked in uk most of our adult life, live here now, wife self employed , both have nics paid, kids go to school here/college etc. http://www.legislation.gov.uk/uksi/1991/2890/regulation/2A I need help how to link and word this please. Thank you
  3. Name of the Claimant ? Southern Water Services Date of issue – 10/11/2018 33 days was up on 8/12/2018 (3 days ago) only found court letters yesterday. Particulars of Claim The Claimant is a statutory water and sewerage undertaker pursuant to the water Industy Act 1991 (the Act). The Claimant claims the sum of £1700 for unpaid water and/or sewerage charges payable under s.142-144 of the Act and the Claimants Charges Scheme. The unpaid sum of £1600 is for water and/or sewerages services provided to the Defendant(s) at ************ for the period of July 2011 to July 2018. The Claimant claims interest under section 69 of the County Courts Act 1984 at the rate of 8% a year from July 2018 to November 2018. Claimed amount £1700 Court fee £105 Legal representative costs £80 Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? Received 2 letters from shulmans llp - letter before court action, and multiple from UK SEARCH LTD prior to that What is the total value of the claim? £1800 Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Water When did you enter into the original agreement before or after April 2007 ? Been at the property since 2008 Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? Think so Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Claiment on court form is Southern water but they insist it's been passed to UK Search/Shulmans Were you aware the account had been assigned – did you receive a Notice of Assignment? Letters from uksearch Ltd acting on behalf of southern water. Did you receive a Default Notice from the original creditor? Probably Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? Not sure Why did you cease payments? Haven't made any payments. On benefits can't afford total sum. What was the date of your last payment? Years ago. Was there a dispute with the original creditor that remains unresolved? No Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? Yes. Made an online application for Southern Waters NewStart Scheme (was ignored). Tried to negiate a payment plan with Southern Water's legal department but they say their is nothing they can do as the debt as been passed on to UK Search Limited.
  4. Hi Guys. Not proud of this even though I am having some problems. I have received a summons for not paying a fine (not taxed) on time and they won't let me take an out of court settlement although I have been in this situation before with them (several times) and have been able to pay out of court. When I phoned they said there was a note on my account and the legal team won't speak to me. It seems odd that I don't get an explanation or can speak to anyone about it?
  5. Bells to ring out and 10,000 to march past the Cenotaph as the nation says 'thank you' READ MORE HERE: https://www.gov.uk/government/news/bells-to-ring-out-and-10000-to-march-past-the-cenotaph-as-the-nation-says-thank-you
  6. I used to have a have a minimum waged (UK) job a few years ago. About 3 years after leaving, they're contacted me to tell me that I was underpaid. I am currently not working because I am recovering from an injury (about 2 years ago) so am on PIP and ESA benefits. I've emailed them to query this and they said its just for an hour's salary (which isn't much!) which will have to be taxed, so I am worried if I accept the amount it may somehow interfere with my benefits. Does anyone know if there is a possible risk of this, or since it's over a small amount, can I just not accept late payment? Thanks!
  7. Bit of an issue i really need some help with. . Will list information in date order. 2003 - 2008 Ran a small company (pet shop) with my wife as a partnership. Mid 2008 closed company down as it was no longer viable. Offered job in Portugal in late 2008. Moved in November 2008. Myself declared bankruptcy in November 2008 before we left, my wife did not because she was ill and was unlikely to work again, handed keys back to mortgage company for our house. October 2009 company took myself and my wife to court for £13K debt. Did not fight as we were out of the country. Myself and my wife Received CCJ. Wife became pregnant with twins was very ill. November 2009 i was discharged from bankruptcy. November 2009 Other company got a charging order against repossessed house September 2010 Old house resold after we had given mortgage company keys back.. it sold with a mortgage shortfall. Wife gave birth late 2010. Was in ICU for many weeks. June 2011 returned to UK so family could help us with twins and my wife's recovery. I work from home so i can look after wife and children. We now live in rented house, with leased car. Wife works for me for around 10K per year (doing my accounts). Wife has no bank accounts or joint account etc. This morning received letter from Company with "Notice of Hearing of Application" TO ENFORCE JUDGEMENT. This is on the 8th Feb 2017. What should we do? One thing i notice on the Application notice form sent is that the date they say i was made Bankrupt was 27 November 2009 , this is incorrect as it was November 2008. Could i get the original judgement Set Aside because 1) i was out of the country and they knew because official receiver had informed them of our new address 2) One of the defendants was Bankrupt but they got a judgement against me anyway. One other problem hearing is at 2pm i cannot make that meeting because i need to pickup my children from school at 2:45pm. I would not like my wife to attend she is still quite ill (has a heart condition (under treatment) and stress is not good for her). Nothing in the house was purchased by my wife, if the bailiffs come can they remove goods that i can prove were purchased by me AFTER the bankruptcy?
  8. Hi All My wife and I have been claiming Tax credits pretty much since they began, and have alway sent our renewal back on time and given correct figures. according to our award notices for the last couple of years we were told that there had been an over payment, and any future awards we recieved would be reduced by an amount to pay back the overpayment. On Saturday my wife and I both recieved letters from a DCA called Past Due Credit solutions saying they had been appointed by HMRC to recover £4738.56 regarding Tax Credits! Then this morning I have received a text message from them asking for contact, although the text message to my number was actually asking my wife to contact them!? I have no idea about this debt although I did get a call about 6 months ago from Rossendales who said they were calling on behalf of HMRC and I told them that we were paying back an overpayment via our current rewards and that was last I heard of it. I can only think that this was from a number of years ago as I was unemployed for 2 years in 2012/13 and have be working since but always kept my figures up to date with them even before my period of unemployment. Is it possible that if this debt is very old that it could be statute barred? Also if it is very old why have they started chasing now? I don't know what to do, I certainly haven't got £4738.56 Any advice anyone can give would be greatly apprecieated. Thanks in advance Simon
  9. Hi My wife has received a letter today from Past Due Credit Solutions saying that HM Revenue and Customs have asked them to contact my wife on their behalf. It asks me to call a number and pay in full or if I am finding it difficult they can discuss whether I can spread the payments. It says all discussions and payments now need to be made through them. Any advice about this would be welcome as there is no way I can pay the amount that it says off and also I do not know if this debt is my wife's. Please advise? Thanks in advance.
  10. Hi all, This is a speculative question because I'm not on the dole yet, but who knows! Either in the process of claiming benefits or during a compliance check, one may be asked to produce evidence of capital, e. g. bank statements. Is there a rule that determines a minimum or maximum period for which this evidence must be reported? I've searched extensively on Google and I've also read the DM guide about capital but I haven't found anything. Some people have been asked 3 months worth of statements; others 6 months; some other one year. Any clue? Thanks.
  11. Hi, I have been paying off a British Gas account for the past 18 months. I've a dispute going on with regards the amount as they've billed me for an additional 6 months useage despite supplying meter readings when I left the property. They've acknowledged their error and I am currently waiting on resolution. Ialso issued them with a DSAR which has just gone over 40 days so the LBA is in the post today. The values on my Credit File in no way represent the true owed amounts nor have they registered the 18 months of payments I have made. It simply says I am 6 payments behind and have been that way for the past 2 years. Despite the bills being wrong I have no issue with regards me owing a sum to them hence arranging a payment plan however fo the past 18 months I have not received any statement of my account. Are they required to issue me a statement every 12 months to see the status of the account and the amount still owed? Any advice would be appreciated.
  12. I'm looking for some advice please . I recently applied for a mortgage, and was asked initially over the phone "have you ever had any CCJS or IVAS". The answer was and is no. I was given an agreement in principle. This has now progressed to full application stage , after passing a full credit check. I have received a check list to sign and return to the lender. One of the first questions asks "Have you ever been subject to county court judgements (CCJs) , defaults or a repossession"? Is this asking if I have had a CCJ, county court default judgement or county court repossession order?, or is it asking if I have ever had credit defaults? The answer to that is yes, all unsecured, all now off my file and statute barred. After an initial panic I believe it is all County Court order related but I would like your opinions please.
  13. Hi everyone I am new and need some advice I had virgin media in my property in 2010 20/11 I defaulted 2011 I think . In the end they collected their box and said that it would be used to clear the balance .. No contact from them since roll on today I get a debt collectors letter from a company called past due credit collections asking me to pay £126 by the 13/6 .. I was not even aware that I owed any money to virgin media . let alone they are passing my information on Like I said I've had no contact or demands . What do I do next ?
  14. Hi, My business partner and I are going to be registering our company very soon. I know that somewhere into the process, we're going to need to open a business bank account and designate that as our main account for the business. About 3 years ago, I opened a business account and had a business loan that was connected with that account when I opened it (by Lloyds TSB). This company was as a sole trader and wasn't a registered company. I had some payment issues and the business account was eventually closed, as I'd missed some loan repayments/late payments, etc. Ultimately, the loan was sold on by Lloyds and I've been paying it back ever since. I didn't go bankrupt or anything like that, and the loan wasn't a large sum of money. But I lost the business bank account in the process. I've been paying off the loan ever since through a debt consolidation company and all is fine in that regard. I was wondering if I'm likely to experience issues when opening a business bank account now? I'd use a different bank and I wouldn't be looking to get a loan or anything like that. It would purely be myself and my business partner using it as our official business bank account. Any help on this would be much appreciated,
  15. Hoping for some advice. After significant debt issues just over 6 years ago I am now in the year when various defaults and a CCJ hit their 6 year mark on my credit file. All payments being managed through stepchange (I have charge against my house connected to CCJ) If i understand correctly as the respective default dates pass these will drop off my credit file? Do the accounts completely disappear from the file or just show as accounts that are being paid? Are companies more likely to accept a full and final offer once the 6 years from default date has passed? (i understand the money is still owed but i'd like to pay them as little as possible!) The CCJ is managed by Marlin, who brought it from Virgin and Optima... they've not been the nicest company to deal with... I have claimed back all PPI etc so i can't reduce the debts any further that way. All help appreciated!
  16. Hi, I recieved a letter this morning from the above dca, it is with regards to HMRC "saying that this had been passed to themselves the amount owing just under £600.. It was for working tax credits I last paid 100 to this debt around 2011 directly. But nothing since because of circumstances.I have just about sorted my credit file out and this letter has come out the blue, I am tempted to call and offer to pay as I'm afraid of getting a ccj or them phoning my workplace ect, Anyone help with this one much appreciated ...
  17. I have been doing genealogy and a great and enjoyable experience it has been as well. Amongst the few genealogy sites I use, Find my Past have been advertising 1939 records and claim; In this, the richest record set ever released by Findmypast, you will find: "Interactive maps showing how your neighbourhood has changed over the past 130 years Photographs documenting life in 1930s and 1940s England and Wales, all of which have never before been available online Handwritten Register - View the original register document and see who lived in the surrounding houses in 1939" So I paid £17 and what did I get, my mum and dads name and birthday, a bit of a blurry OS map and a picture of 1942 nothing. Was I disappointed. I emailed them and they said 'Thank you for the feedback" What a bloody waste of £6, I already knew my parents birthdays and what use is a 1942 picture, it doesn't even refer to the year in question. So be cautious that you might not find what is claimed and what you were hoping for.
  18. Hello, I currently have a grievance regarding overpaying my corporate membership fees at Nuffieldhealth Cheam and was wondering if someone could please help if I have a case here. I've been a member of my onsite corporate Nuffield gym since 2011 which I pay £10 per month for. Wanting access to a pool, I decided to take advantage of my corporate discount at other Nuffield gyms and joined Nuffield Cheam in 2012. When I joined Cheam in 2012, I took my company ID badge and was told by the salesperson that their discounted corporate rate at Nuffield Cheam would be £56 per month, which I have paid every month since. Recently, I thought I'd inquire about a swim only membership as I thought £56 to basically just use their pool was excessive. I spoke to the manager at Cheam who advised they don't do a swim only membership but in fact my corporate rate was actually £35 per month and he would complete a new membership form for me to sign to adjust my monthly direct debit. I felt that I had grossly overpaid and emailed their complaints contact regarding a refund of the money I had overpaid over the past 3 years, I didn't hear back from them so inquired about this when I next went into Nuffield Cheam. I was provided with an email address of the MD of Nuffield Cheam and emailed my complaint. I heard back from the Deputy Manager who said that they were unfortunately unable to refund any overpayments but would amend my DD to £35/month and provide me with some free guest passes. As my next step, could I take this to Trading Standards (or whoever is the gym's sector ombudsman)? Surely this can't be right to not get a refund for a mistake they have made and where I haven't breached my contract terms? May someone who knows about this please steer me in the right direction if I have a case. My calculations show that I should be refunded around £756. Apologies for the lengthy read and thanks in advance for any assistance:)
  19. i had a bad debt on a credit card from about 2002 that due to a real bad relationship split went unpaid. since being single i have never been more than 20p overdrawn since. i'm now in a position where i need to purchase a reliable car for work and dare not apply for credit. would it be possible to get car finance with this sort of credit history ? thanks in advance
  20. Three years ago changes were made to legislation whereby unless a vehicle is subject to a SORN declaration, they must be insured (even if the car is parked in your garage and never driven). Following the change in law, if a vehicle is not insured and is not registered with a SORN then the vehicle owner faces a £100 Fixed Penalty Notice and the potential for their car to be clamped, seized or destroyed, as well as being subject to a court prosecution and a court fine of up to £1,000 This subject is very serious indeed given that every month DVLA send 60,000 letters to vehicle owners and in the past three years (since the change in law) 670,000 vehicle owners have been prosecuted. In fact, according to the following article......6,000 motorists are prosecuted each month and receive a £100 Fixed Penalty. Apart from enquiries regarding fines for using a TV without a licence, these Fixed Penalties are ones that we receive most enquiries about every day. http://www.thisismoney.co.uk/money/cars/article-2851587/Clampdown-uninsured-vehicles-sees-60k-letters-sent-month.html
  21. Hey everyone, another thread about this company. I'll outline all the contact that's been made and what I have done so far and the hopefully you can answer some of my questions To begin, I am a student and last year I was living in a shared house with a Sky account under my name. I cancelled the account well before we moved out, in order to ensure that I would not end up being billed further. This was confirmed to me on the phone and I never had any more bills or contact from Sky after that. About 3-4 weeks ago, I received a text from Past Due Credit Solutions, saying the standard kind of stuff from what I have read. "Please contact immediately... you're account number is... etc etc", I ignored it because I had no idea who they are and they mentioned nothing about this supposed debt in the text. About a week later, I got an email saying pretty much the same stuff. After receiving this email, I sent them a reply - "Hello, I shall not be contacting by email or telephone regarding this subject. I am unaware of any issue I may have and if there is one, I kindly request that you send me the full information by post. Thanks" Now a couple of days ago, I got a phone call from my mum saying I have received a letter from this company, stating a debt of £89 that I owed Sky.. Great. The letter also says, you must make payment by 03/01/2015 or they will recommend that Sky take further action against me. (this is where I have got a tiny bit worried). Finally, today I have received another generic email asking me to contact them. Here are my questions: Should I contact Sky, ask them to bring up my account history and find out if I owe them money? Is there anything to be worried about when they say "You must pay by the 3rd....." Also, I can't afford to be a credit check, yet alone pay for this bill.. Thanks! EDIT: The letter they sent to my parents house detailing the debt, also mentions the CORRECT address where I had Sky.
  22. Hi Just looking for some advice for a friend. A friend has just received a letter to attend a compliance interview and she's worried big style - its NOT an interview under caution. Four years ago she received some inheritance that took her close to the £16000 mark but not over, she was on incapacity benefit at the time and she was told the savings would not affect her benefits - pretty much all of the money was spent on adapting her home. She was moved to ESA last year and then onto income based ESA a few moths back and her savings have been pretty much zero since 2011. The Job Centre now want her to provide bank statements for the short period she had the inheritance in her account four years ago. She has spoken to welfare rights and they didn't know why she would be pulled in for that as the benefits she was receiving were not means tested at the time. They suggested that she may have been on some smaller component that was means tested but she has every letter ever sent to her regarding benefits and she has never been on anything that was means tested. Other than that it could be a mistake on their part. Has anyone else been through a similar situation?
  23. Hi everyone, Today I received a letter from the above company with my name and address on it saying I owe £198 to TalkTalk. I have never taken out a contact with TalkTalk before so I'm confused as to why they're asking me for money. I'm also really careful with my money and only take out contracts if I know I can pay for them and I'm now really worried that this will affect my credit score and being able to apply for things in the future (I'm only 22). My question is, what do I do about this letter? Do I call the company and tell them I've never had a contract with TalkTalk, but won't they want proof? Or do I ignore the letter and anymore that arrive completely? I'm quite worried about it as I've never had to deal with anything like this before any advice would be appreciated!
  24. Hi again, wondering if you knowledgeable people can answer this and help me; My current employer has agreed to me leaving (PILON). They have agreed a factual reference which I have a draft of, which pretty much states that I was good at my job, well respected which I'm fine with. Now, there is a final written warning on my record which was for a year and falls of on X date. They have included a paragraph stating this and also stating that it was not due to competency. They add that there have been no further issues or concerns regarding my conduct. Now due to my line of work I would expect this. They have agreed to provide a reference without this paragraph if a reference is requested after X date. To put things in context, worked there for 20 years no issues. Started my own company, and also allegedly worked on said company during a period of sick leave and did not disclose a potential conflict of interest early enough. Naïve and stupid etc but all done and dusted. I have 2 questions The application form for the job I'm applying for asks if I have EVER been subject to any investigation, hearings, warnings, complaints or investigations (2nd mention) by any employer, agency or professional body? - The only thing that has happened is what I've said in this post. I want to answer truthfully but is my whole working life history any of their business. My instinct is to let them know what has happened in the past 2 years but is there a statute of limitations type thing regarding this? When they request the reference they will obviously ask my employer to complete a questionnaire that asks specifically if I was subject to any disciplinary or given any warnings about my conduct during my time with them, are they obliged to go into detail? I really don't want to rule myself out of being employed by being too forth coming but at the same time don't want to lie or be misleading. Advice much appreciated.
  25. Hi, received a letter from Past Due Credit back in May asking to 'contact them regarding an important matter' contact was made and they then wrote back a few weeks after to say they had closed the case and no one would contact me further. This morning I received another letter from Past Due, claiming the account was back open and to pay the amount by the end of July, que a phone call to a rude advisor and then a manager, who had said that t-mobile by now would have no record of me (the phone contact in question is at least 6 years old) I checked with the CRA where a default has literally been listed in the last few days (I check my credit on a regular basis due to having issues like this in the past) where the defaulted account is listed as 10/2/2009 but at my last address, which I didn't move to until 2010. I can't ever recall having a default notice sent from t-mobile at all, from that time period. I spoke t-mobile who gave me a number for sigma, who past due are working on behalf of. I'm not entirely sure what to do as I am certain I closed the account down but since having no correspondence with t-mobile since the account I'm shocked to have even received this letter, especially as they closed the case to start with! I know I should send t-mobile a SAR - but I'm also confused why the default date has an address I wasn't living at (does this matter?) I know the default only has 7 months until it comes off my credit file so is it worth chasing or leaving? The last thing I want is a CCJ. Thanks for any advice
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