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  1. I posted in another site but I got no replies I'm guessing nobody could answer on there. Who do you turn to for advice away from the CMS if they start getting funny over payments? I had a 12k debt with them after finding out 2017 once it transfered from CSA to CMS. They admitted it was their fault and told me to pay what I wanted towards the debt that I could afford. So as long as I was paying somethng they weren't bothered. So in 2017 they agreed to take £171 for my daughter and £30 for arrears £201 A year later October 2018 they sent me a new break down based on my e
  2. Hi all. I originally had a debt with HFC bank on a credit card to the tune of £9838. My monthly payments were 172 and suddenly, Weightmans wrote to me threatening me with a CCJ if I did not consent to a voluntary legal charge. They refused to accept my £172. To cut a long story short, I did agree to the charge because at the time, I was under severe emotional stress - my Dad was dying from a terminal cancer, which Weightmans knew! I have just received a letter saying that I can get a 50% reduction on the debt! But: I cannot afford this right now ev
  3. Hi if my min payment is £100, do i have to pay it in a lump sum before payment date or can i pay it in multiples like £50 on one week and £50 another week..as long as its paid by due date? I ask because I accidentally paid £50 in to barclaycard, but can only afford to pay £50 more to make it £100. Thanks
  4. Just looking for some advice, recently I asked my work coach at my Job Centre if the worst comes and I do face a sanction in the future while I am on Universal Credit, will my housing element be affected as well, and he said yes, is this true? I thought housing element won't be affected while on a sanction, or his he wrong? I just hope I don't end up on UC for too long, I am aiming to get into work ASAP.
  5. The father of my 2 children has not made any payments for nearly a year, every time I call the Child maintenance line they seem to say something i different. He earns good money and not only that now has another child with his new partner. He does not see his children (my children) and hasn't for nearly 3 years (rather horrible reasons I wont go into) . When I spoke to child maintenance team last year they said its with the enforcement team (as he now owes £2500), just now they said its with the team to be processed but they are very busy and dealing with it in a queing system. Ive told
  6. Hi Guys, I am currently on long term sick and I am in receipt of ESA. I had to fight a DWP tribunal last year and thankfully won it. I am therefore in the support group and received council tax reduction. However, as I had to move recently and although I notified DWP there has been a gap with registering for council tax reduction. Now the council want the full amount for the last 3 months and I do not have the £600 they are demanding. I have been warned by the council to expect a summons. I am very worried. What can they do? I have told them my financia
  7. Hi everyone, Same old story, I cancelled my direct debit during August of this year and have been receiving the scary emails of debt collection from Harlands, who have then transferred this debt to CRS who continue to try and scare me. The difference I have compared to others is I had in fact posted my intention to cancel my membership, as I was moving away from the area as I had finished a placement role there, and was returning back to university. Now, to maintain that I cancelled my dd on the day of last payment I posted this letter a month and a few days before the sched
  8. Some months back I opened the door to the Tv Licensing people, and made agreement to pay licence in small amounts, Due to illness and having to move on to benefits I could not afford to keep making the payments. Today i received a warrant for arrest for non payment of the debt, I am really worried that I may be arrested, but all the same,at the back of my mind something tells me that the warrant is not what it seems to be, It is printed on card sealed on 3 edges. the front says its from HM courts and tribunals services,but the inside looks more like a tv licence warning, but says "Det
  9. I am looking for some advice with respect to a PPI refund and compensation in connection with a former Endeaour loan. I had a compensation refund in 2015 which was based on premiums I had paid from 2002 - 2013. But I did not know if it had been calculated properly because although I had requested that the PPI be cancelled in 2013 all my loan account statements from Endeavour/HSBC and subsequently Sancopia Portfolio showed premium payments . I then spent 3 years trying to find out how HSBC reached their compensation figure and which premium payments were used for the calculation.
  10. Armed forces pay award 2018 - extra payments for personnel that left the armed forces after 1 April 2018 READ MORE HERE: https://www.gov.uk/government/news/armed-forces-pay-award-2018-extra-payments-for-personnel-that-left-the-armed-forces-after-1-april-2018
  11. Hello, I currently get £8K PA from the government's self directed support and I am not happy with their service and I wish to change to direct payments for more choice and control. It's done through the social care direct service. They want to establish a meeting with them to do what best for me? Do i have to go to this meeting or else I will be rejected direct payments of non attendance and non communication? When the service changed from day care centre which closed down to privatised care they forced me to go to private care rather than give me a choice of direct payments. W
  12. Following on from this thread https://www.consumeractiongroup.co.uk/forum/showthread.php?487703-Changing-a-Power-of-Attorney&p=5139451&viewfull=1#post5139451 Helping Mum deal with husband's finances, she has POA. There was a standing order for £15 pm going to Capquest, no reference recorded and no correspondence received for at least 4 years. Capquest can't trace an account or any payments received (I gave the a/c no and sort code of the originating bank). There's no record of any account with Capquest on CRA files. Other than asking the originating bank how far ba
  13. Has anyone else received a letter from Redstone (alias Melanite) Mortgages stating that the FCA has ruled that they have calculated some customers' monthly payments incorrectly since 2010 and that those customers are due compensation? If so, has anyone received compensation or a refund yet? I received such a letter stating that I was one of those who had previously been overcharged, but with no details of how much I would be refunded or when. It stated that my account has now been recalculated and my new payment will be £6 per month higher! I rang them for more information and was to
  14. hi there, i'm having an issue at work about payment for "snowdays", back in january. i work in a private boarding school as a lunchtime supervisor. back when we had a day of snow there were members of our dept. that obviously couldn't get into work. we don't get paid for sick days or days off so no one was expecting payment, and we know that the employer doesn't have to pay them as a sign of generosity the headmaster agreed that we would all be paid for the one day that we couldn't get in. lovely until, our dept. manager said that although the headmaster has agreed this
  15. Hi, I’m new here. Can anyone answer these questions? 1) Is all your JSA stopped when you are sanctioned, or is only a percentage of it stopped? 2) If after being sanctioned you go on hardship payments, do you still have to be available for work? 3) And if you do still have to be available for work, can you be further sanctioned while on hardship payments? I’ve just started getting JSA and have not been sanctioned, but the above questions have occurred to me.
  16. I hope I can explain this so you understand, My mother past away on the 30th of January 2018. Pension was originally paid to my father until his death where a part pension was then paid to my mother. She was until 20 months ago receiving the pension payment that was stopped by Capita because they didn’t receive a response to a letter they sent her. I guess it was a prove your still alive letter but that’s just a guess on my part. County Council social services department contacted Capita to inquire as to the missing payments and they advised that a family member needed to send a
  17. New rules for taxation of termination payments READ MORE HERE: https://www.gov.uk/government/news/new-rules-for-taxation-of-termination-payments
  18. This is a long story, so I'll try and cut to the chase. Back in 2013 we moved into a property. The landlady who we were renting off asked if she could continue to be registered at the address. She agreed that she would cover all the council tax bills for the property. Two years later we received a letter from the council to "the occupiers" asking us when we moved into the property. We truthfully told them the date. Two months later, we received a massive bill from the council for two years worth of council tax, backdated to the date we moved in. We got in touch with th
  19. Statutory redundancy payments increase READ MORE HERE: https://www.gov.uk/government/news/statutory-redundancy-payments-increase
  20. Hoping someone can give me some advice here. Arrow Global and Restons have issued me with Court papers for an HBoS debt which goes back to 1997! Over the past 10 years I have requested the CCA and have SAR'd other DCA's but the CCA has never been sent, only an Application Form with retyped up-to-date Terms and Conditions. Now, of course, Arrow Global have applied for a CCJ. I don't think I would be able to go to Court myself (as a pensioner I don't have the funds for the trip to Northampton for one thing) but do you think I should dispute it? And if so
  21. Update for Carillion workers: claiming redundancy payments READ MORE HERE: https://www.gov.uk/government/news/update-for-carillion-workers-claiming-redundancy-payments--2
  22. Just spoke to DWP about Mortgage interest payments When you reach 60 they will help with payments. Only over 60's only.
  23. I have been paying CBS Transcom £5 by Standing order However my payments keep getting returned does that mean that I have paid the debt or does it mean that they have sold the debt onto someone else I am afraid to contact them as in case I have not finished paying the debt off and they have passed it onto someone else !. as i have other debts which I incurred some time ago and am trying to pay off due to my circumstances cannot afford to pay them outright as with CBS TRANSCOM . what should I do? I cannot keep up with these people! and I am not gett
  24. Hi Again I come to get great information and help. I was with PayPlan Plus for about 5 years, paying £22+ per month for payment protection. My questions are ... 1 ... Can I claim Payment Protection from a Debt Management Company even though it was a free plan 2 ... Can you advise of the address of payplan as i have since emigrated and no longer have anything from them 3 ... If successful They are not allowed to pass this on as a split to the creditors are they Many thanks for your help again. Very much appreciated especially as I no longer reside in the UK. Grumpy
  25. Hi everyone. just a quick question. i defaulted payments in march this year. They claimed to me that they Terminated the Hire Purchase agreement in May 17. since then i have had calls and emails to contact them regarding payment. This morning a letter arrived of NOTICE OF SUMS OF ARREARS. from what i can gather from google this is sent out because the hire purchase agreement is still active. They have not sent any debt recovery letters but just always send letters under the HP agreement. Is it right they are still sending letters out when the HP agreement is termin
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