hi guys and girls, thank you for taking the time to read this in advance.. this is quite a long story, i will try to keep it as short as i possibly can without missing anything out. i met my now partner a few years ago while going through quire a lot of financial difficulties, which at present are still ongoing. at the time, i worked away for the majority of the week and only being home a couple of days. i lived alone. we met, got on great she had a one and half year old daughter. for a very long time, she was not willing to make us a permanent item or such, having a great deal of trust issues due to physical and mental abuse from her daughters father, which was understandable. eventually came the point i could not afford to keep my own place, so gave it up, my parents, due to my younger sister, would not let me use their address, but kirsty said it would be ok to use hers as we had known each other a while and any mail and such would be safe. i did stay with her on occasions, along with staying with my parents when needed as they both have cancer, so i was needed quite often. a few years later, i found a job closer, but, as it meant not working away anymore, and kirsty still not finding a job, i had to "sofa surf" as i wasnt prepared to put her and her young dependant in jeapordy of losing their home. she finally found a small part time job local to her in a bar, 3 nights a week, and having no family close to her, was able to rely on myself to go to her place of work, collect her daughter and a set of keys, and babysit for her. then, she gets a letter stating she is to be interviewed for benefit fraud, she attended this, the whole while feeling bullied and talked down to, and unable to put her own points accross, they where very rude to her. During this interview, the showed her MY bank statements (which show no evidence of me contributing to her household whatsoever) but apparently as was evidence enough?!?! and that my car was insured at her address (to insure a car an address is needed, and as i worked away, her drive was a safe place to keep my car). no photographic evidence available to the contrary nor of me living there which i wasn't. only one witness statement was read out to her, from her previous employer (which has come to light is now being sent down for a 3rd time for fraud) which actually contradicts their claim. in this statement, in her statement, knowing us for around 6 months, she states we where a couple living together.... yet i would collect my partners daughter from her place of work, and a set of keys to gain access to her home (sometimes get all the way to her home and realise i had no keys and have to go back, also stated in witness statement). my partner told them of my sofa surfing and being homeless, they asked for names, names given, then stated would interview these people and myself.... between ourselve now have 41k in debts to be paid, and not one person including myself have been interviewed except kirsty. myself and my partner are on low wages (her on only 34 hours per week). all of this is causing a lot of mental stress to us both, and as you read this, she has been sent home AGAIN as its now causing physical stress to her, causing her problems at work, (she has now found a job as a carer) and in her state is unable to carry out her job to the standard needed. today the cause was an AOE for £19300.91 for housing benefit. neither me nor her can ever be able to pay 41k which will lead us both and her daughter to end up on the street as far as we are concerned. The AOE comes with no court order or anything. just a bog standard printed letter. no liability order. we have also received a letter each stating bailiffs will be coming for 10k of c/t, no court stamp, no wet signature. I am positive ive missed things out, but when i remember will update many thanks in advance apologies, i meant to state, i have no idea what to do, and im useless at letters or correspondence and have never had this to deal with, i myself am still in financial difficulty, and this is putting a huge strain on our family unit. just to point out, we went into the council office stating these debts are unrecognized, i was put onto the phone to one of the interviewers, who in turn was not interested in the slightest and put the phone down

Hi. I'm new here and am desperately looking for help!! I brought a used car from a private dealer 6 weeks ago. Its a 06 reg diesel fiesta with 72000 miles. £3600. It was part ex for £3k and £600 cash. The dealer was selling from his home and had around 10 cars for sale. He had a website and gave me an invoice in a company name.... It was sold as serviced... but i have since found out that the dealer who 'stamped' in the book did not service the car! Today the turbo in the engine blew and the ford mechanic thinks this will have knackered my engine too. I was offered a private warranty at the cost of £200, but the small print said it had to have full service history and this was missing 1 service so it rendered it useless as the terms were broken so declined it. Having read up on the SOGA i think i may have a case as the car clearly was not of satisfactory quality when it was sold to me. I have had it 6 weeks (2 of which i was on holiday) and its done 1000 miles since i brought it. I dont believe a fault like this can develop in such a short time and therefore it must have been a fault when i brought the car 6 weeks ago. Can anyone give me any advice??? Thanks. Rachel xxx