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  1. Good afternoon all I have taken a very vital case against Lloyds and this time it will be us (consumers) who are in a stronger position than the Bank. I have taken them to court and despite the fact that they have tried everything to drop the case; the Judge has given us a date. They are throwing money at me to stop the case "as a gesture of goodwill" I am a very specialised Financial analyst and I believe that I caught them in a fine line which will potentially cost them millions of pounds hence wise they are trying to close all the back doors for others to follow me and changed their T&Cs in legal phrases. Now can anyone please explain to me what is the difference between "Planned" and "Arranged" in legal terms? the phrase in banking term will be "planned overdraft" vs "arranged overdraft" Secondly can anyone please guide me where it is referenced on Government's websites for the phrase of "Business Days/working days" as well as "Bank Holidays" Thank you in advance for your help Regards
  2. Hi I am just looking for some advice. We purchased a car In October 2018 2009 tiguan with 114K miles on, we purchased from a dealer (sold from a garage) but i think hes a sole trader. Before we purchased, the dealer said the engine management light came on and went into limp mode, they plugged in and was the glo plugs and the light was now off and all fixed. Satisfied we purchased the car via bacs. On they way home the car went into limp mode - i called the dealer and he suggested carry on driving until it did it again. November 18 we had an issue with the clutch, the dealer asked us to book into a garage over 20 miles away - but it was done free of charge and i was giving a car. The car then went into limp mode just before Christmas, we called up the dealer who told us to use to the same garage (not the one the car was sold from as he didnt trust the mechanics) and it was his responsibility to fix. Booked in January (due to them not being open over Christmas) and the same i was given a car whilst mine was in. The issue was the inlet manifold has blown and cracked. something that would of happened with there being an issue with it and being driven over time has made worse. The dealer offered half the bill - the bill was £700. We refused, saying if within with first six months of purchase the dealer should repair or replace. Again he refused and offered half the money, the car was in an independent garage, so one of us had to pay. But he also said in writing he wouldn't be responsible if it went into limp mode again or wouldn't give us a refund. Im under the impression the legally needs to. So we have paid the bill and ive written to ask him to pay in full, hes refused, saying if we take him to small claims to be putting a counter claim in for a solicitor etc. Where do you think we stand with a small claims? CAB have told me he should pay the bill as if there is a fault within the first 6 months its deemed it was there when the car was purchase. Does anyone have any advice? Thanks Emma
  3. So due to the news that has came out about the DWP underpaying claimants it looks I have been identified as one of these people and got a letter last week from the DWP. This letter required me to fill in a ESA3 form, and I have as a result of that information had to send in bank statements for the entire 4 years identified but I was told over the phone if I Cannot do for the full 4 years just to send what I can, since I feel they only need to see from the point I got my DLA lump sum, I sent from the few weeks before that to the end of the period so from 2014 to 2016, but the period covered is from 2012 to 2016. I have looked here at some information. https://www.gov.uk/disability-premiums-income-support/what-youll-get and https://www.gov.uk/disability-premiums-income-support/eligibility From 2012 to 2016 I got no disability premiums at all and I was in the SG on contribution based ESA. I had no other income and savings below £6000 It looks like they are preparing to qualify me for backdated IR topups, which would add enhanced disability premium, for most of the 4 years, I think there would be a few weeks where I wouldnt qualify because I got a backdated DLA award which took me over £6000 for a few weeks. However there is also a normal disability premium, the qualifying criteria is stated as getting some form of DLA and not been on IR ESA. This is where my questions are focused. So 1 - If I was backdated DLA for a period of 2 years, am I counted as been on DLA for those 2 years? or just from the date I was given the backdated lumpsum? 2 - If I am counted as been on CB ESA but with IR ESA topups, how does that work for the normal disability premium, when it states not been on IR ESA I am assuming it means you must be on CB esa, which I was, but its confusing as it might mean if you on CB ESA with a IR topup you still dont qualify. I want to know as it may mean I am owed more money than originally seemed, obviously I appreciate any advice on this matter.
  4. Potential phishing impersonating Ministry of Defence READ MORE HERE: https://www.gov.uk/government/news/potential-phishing-[problem]-impersonating-ministry-of-defence Shortened URL to the same article: https://tinyurl.com/y9fw49nf
  5. Does my Employer have to tell me and my colleagues if they are currently looking for a buyer as they wish to sell the Company. Or only once they have found a Buyer. I have just found out that my company which is a Ltd Co and owned by 2 shareholders is having due diligence done with the intent to put it "out there" for sale.
  6. Update on General data Protection Regulations due to hit in may 2018 There is a overt permission of Data Subject to consent to processing of data, so a CRA processing John Doe's data without him knowing could fall foul. Likewise a DCA. Full implications are not yet known http://www.idgconnect.com/blog-abstract/26688/what-gdpr http://www.idgconnect.com/blog-abstract/24273/gdpr-probably-won-decimate-businesses-leave-burned Discuss?
  7. Hi Just received a claim from Howard Cohen this morning. Just wanted to check what I need to do. 1st - Acknowledge claim. Can this be done online? 2nd - Send CPR18 to Howard Cohen, as belows [template removed - dx] 3. Wait for reply.
  8. I fell behind on payment due to illness. Long and short of it is that FRF are threatening repossession. the vehicle is worth 1.5k. at auction it will get max £500. a trade garage who valued said they wiould pay the finance company 1.5 direct and deal direct. First Response tell me the garage would have to pay the full amount outstanding of 4k. if i VT i am liable for the balance after auction. i assume this is process. but if i am able to make the vakue of the vehicle does anyone know if other finace companies who have accepted this. has anyone had repossesion dealings with this company. Not the most customer friendly but it is what it is.
  9. after some advice please. I am having problems with Restons solicitors who are pursuing an alleged debt that I owe to Cap quest. They ignored any requests for further information stating they didnt have to provide anything and that my letters had no legal meaning. shortly after they then threatened legal action, I then carried out the pre action conduct protocol to which once again they would not provide any documentation that I owed the debt and that my letters had no legal meaning. One of their letters did contain a couple of points, stating OC, Balance, when the debt was transferred etc. But they blatantly refused to provide me with any documents. They have now commenced legal proceedings against me though NCC Bulk center. Im unsure whether to apply to apply to have the claim stayed for non compliance of the pre action protocol, but am unsure if what they have done is sufficient by then simply stating some apparent particulars with no documentation to back it up. or do i defend the claim & carry on with another request for futher information under cpr18 asking for evidential proof once again. any help would be greatly appreciated
  10. Dear all, I unfortunately suffer from chronic depressive illness and have done so for many years with the condition significantly worsening over the past few years. In the year 2011 I had been subject to police investigation. I attended a police interview on a voluntary basis. Due to my debilitating depression I had an appropriate adult also attend this interview who I understand was a social worker at that time. The social worker, without my explicit consent, went on to record the details of the alleged criminal charges I faced on the NHS Trust’s IT system and within my electronic patient records. This information is categorised as highly sensitive information as defined under section 2 (h) of the Data Protection Act and the Trust seemingly recorded this information unlawfully. Their response however is that the processing of this information was 'necessary for medical purposes'. The criminal matter has been long since disposed of in my favour however the Trust are continuously processing this information wherever and whenever possible. I am not clear on whether or not explicit consent was needed here. It seems to me it was. I should be most grateful for any input.
  11. Hi all , i have been attending work programme for over a month - and was late for an appointment due to a heavy cold and my provider decided callously to raise a doubt with DWP. recieved a 'good reason letter' asking why i dint attend work programme appt.- how can i successfully challenge this and avoid a sanction. help would be very much appreciated guys!
  12. I am trying to source MBNA credit card T&Cs from Jan 2003 or does anyone know when MBNA changed the charge for late payment/default from £20 to £25 ?
  13. Hi I haven't been here for a while and therefore a little out of touch with current practice. Thanks to the help of CAG I managed to win my battles with DCAs quite a few years ago. I have an old credit card debt which is off my credit file and owned by Cabot and for 6/7 years have paid them a nominal amount each month. They send the odd letter asking me to up the payment but I never respond as these are computer generated and I prefer to let sleeping dogs lay. Just had one threatening potential legal action if I don't contact them. I just wondered if they every follow through or if this is best ignored. They don't stand a cat in hells chance of a CCJ as its an old CCA agreement without prescribed terms, however, I do acknowledged the debt and I am making payments. Just interested to know if anyone's had one these and whether they do follow up? Thanks B.
  14. Hi all, I am considering starting an action against the DWP/Jobcentre in a County Court. A brief synopsis is as follows: I claim Employment and Support Allowance (ESA) and am in the Work-Related Activity Group (WRAG). I am required to take part in a "work-related interview" every six months. At my last "interview" my work coach offered to conduct the "work-related interview" over the phone instead of in person. However, when I asked the Jobcentre staff to fulfil this offer recently they simply refused. I asked for the Jobcentre to make a reasonable adjustment in this respect due to the fact that I suffer from various health problems and getting to the Jobcentre is unreasonably difficult for me. This was denied. Is this a matter for a County Court that needs to be issued against the DWP or is it a Employment Tribunal matter because the Jobcentre could be described as an "employment service" for the purposes of the Equality Act 2010: http://www.legislation.gov.uk/ukpga/2010/15/section/56 If this does go to a County Court what are the chances I will have to pay the other side's legal costs? I suspect the DWP/Jobcentre will aggressively defend this. Many thanks in advance.
  15. To cut a long story short.... I worked as a freelance contractor for a firm for 6 months in 2015. The long term contract was eventually cancelled by mutual consent and in October. In December I was sent a letter from my client stating that they strongly believed that I had not fulfilled any of my duties under the contract and wanted £4,000 withn 30 days or were threatening to take me to court for £12,000 + I spoke to a solicitor who advised me that unless it was a letter from a solicitors on the clients behalf, then I should not respond as the client was probably "fishing" to see if I would pay up. I received another letter in March, stating the same thing, at which point I requested a Subject Access Request (I did this as everything I did was controlled by work email I had no access to, including my contract and other personal documents) I received the SAR response as a set of transcripts of emails and other documentation (which according to the SAR code of practice is totally acceptable), HOWEVER also included was personal notes inbetween the emails, one of which states that due to a situation that occured the client thought I was going to use certain information to blackmail them. Yes they actually wrote that on the SAR response paperwork, twice, in two different places among the 36 pages of response I received. Now, my question is, are they allowed to comment with personal opinion and notation on an SAR response or should it be just the facts taken from documentation? I cannot find anything in my searches and thought one of you fine people on here would know. If not, what would be my next step in responding to it other than to ask for the information without the notation? Thanks in advance
  16. Hi all was wondering if any one could help? I recently stumbled across a letter written to me from the CEO of the company telling me I was due to have a £1000 raise as part of our company being taken over by a larger company. Having had a look at the letter it was dated on the 21st of December 2015 and my wage was supposed to go up on the 1st of January 2016. This of course is not the case and the reason why I am writing. It was by sheer luck that I managed to find the letter as it was in the managers back office near the bin area, I found the letter in a sealed envelope whilst i was cleaning the office.There were a few more envelopes just like it, however all the employees they were addressed to were no longer part of the company. As it was addressed to me I thought it might be important information that possibly just got misplaced. I politely sent my manager an email wishing to discuss the potential raise, and even sent him a copy of the letter, however it seems to have fallen on deaf ears as he has straight out ignored the email. As part of our procedure to file an inquiry to HR everything must be in written form and you must see if the problem could be resolved onsite first, the only reason I haven't directly spoken to my manager about the incident is because if he was to say something to me it would be a literal case of his word against mine. I would love a raise that I believe i am entitled to as I have it in writing. Whether or not I was supposed to see the letter is a completely different matter but it does seem the company or manager has withheld information from me and possibly other employees. The letter I found addressed to me would have been binned otherwise. What should my next step be? my only concern being is that i found the envelope and was not handed the envelope. Thank you for your time.
  17. Hello All, I'm looking for some advice, if possible In 2012 my wife and I were given a gift of £5000 by a friend who owned his own successful business after he found out we were in some financial difficulty. We refused the gift which he paid straight into our account, but he was adamant that it would be taken out on his company account and it would be written off. We didn't know if this was true or not but the money was gift with no strings attached. A few days later he called us to say he needed the money back as his accountant advised him that he was incorrect and the company could not write it off. We couldn't pay him back as the money was used to pay a credit card off. Being nice people that we are and seeing that he was in some distress about the situation (along with us now being in a position of having to pay back £5000 immediately) we approached our parents for the money and explained why, but they couldn't help - in their view it was gift which he decided to give us and got it wrong with his company accounts - why should they be put in a position of paying £5K. We told the friend we would get a loan or credit card to get it back to him but he told us to forget about it, it was his mistake and he would sort it out. 2 years later he contacted us wanting the money back. Again being nice people we said we would try to pay it back to help him, but it was not financially viable for us at that time and would need to look at the possibility of a monthly payment later in the year. That time has come and gone now, our circumstances haven't changed - we cant afford to help get the money back to him and he has taken legal advice - the solicitor told him to mediate the situation with two options 1. a monthly payment of £100 or 2. a one off payment of £4000 (£1000 less than the gift amount - which seems strange to me). It was personal letter from him, not from the solicitor. He has texts from my wife discussing how we could try and help get him the money back ie we would see how our circumstance were early next year and pay £100 a month - this was our good nature trying to help him resolve his mistake with his accounts. But he is taking it out of context and saying it was a loan which we agreed to which he is saying he can prove by using the text from my wife. He has no texts from us or contract in place with us saying it is a loan and will be paid back monthly etc etc. He is using the texts against us now, they were written in good faith to try and help him out when we could and we're fearful of our what position is now and what may happen if its goes further. Can anyone shed some light on what our best course of action is. His personal letter demands a reply by the end of the month, choosing and payment option or confirming we will not pay, at which point he will take it further. Thank you in advance for taking the time to read.
  18. In the Pranksters blog, he has been informed of a company in Devon issuing PCNs http://parking-prankster.blogspot.co.uk/2015/10/devon-parking-agency-[problem].html If anyone gets a ticket from these people, treat with extreme caution
  19. Hi guys hopefully you can help me, briefly and to the point I'm having some concerns at work. My main concern is that I'm doing a role which is additional to the one I am contracted to do. I'm contracted to improve business development chiefly through tendering, of which I'm achieving and there is documented evidence of. However, my MD has since delegated another role/responsibility which was previously another colleagues role/responsibility but he has said that my performance in this area is not good. This is fine, everybody makes mistakes, but what he doesn't appreciate is that my main role takes a considerable amount of time and paying the same focus/attention to the new role/responsibility can be difficult. With this in mind, he give me a telling off which I feel is his version of a formal verbal warning, but I received no written confirmation advising of that this was the case and no one else was present. So the questions I would welcome answers to are: Can the "telling off" be considered a formal verbal warning and does a witness need to be present? Can I be dismissed on grounds of performance/capability for a role/responsibility I'm not meant to be doing (I've documented confirmation of this from a Director's email outlining individual staff roles/responsibilities) ? Lastly and perhaps irreverent, my contract of employment/payslips is with a separate company within the group, of which the work I do is a different company within the same group. Is my employer breaching my contract or if worst came to the worst, could I argue this point? All answers/feelings on this would be much appreciated. Ohh I have been employed for 16 months now.
  20. Hello New thread brand new topic Been told will not be dismissed on capacity but contract not renewed - does it seem like discrimination with facts below 1) Joined on zero hours then moved to fixed term - all fine till Sept 2014 2) I am deaf made all aware who appropriate 3) Sept 2014 went away 4) three months no contract 5) no manager as old manager off sick 5a) deputy but not known in team - she's now based down stairs not making lot of contact 6) no problems from start date till Sept 7) they told me three times in Oct wanted to speak to me never did 8) Oct told nothing to worry about 9) Nov told under performing - without valid reasons why took till Dec to tell me area went wrong, only 1 percent of it and before told threatened capacity dismissal - being compared to someones son with Aspergus suggesting I could have it - Jan put on improvement plan not sooner; and even not referring me now to occ health when they said would; occ health on phone told them I was deaf and made them aware from start. 9a) Told them I felt insecure with no contract for three months 10) Shown some new things on system and won't move me to a quieter environment to do it as could do it better in one 11) Managers under stress department struggling to find staff 12) I found out why made errors; due to distractions found out in Jan'15 from broken hearing aid 13) I did not know my hearing aid they're taking if I knew from Sept why did I not say I was hearing too much I did not know till Jan speaking to an audiologist who said a wire broken for noise blockage, she said deteriorated over time - did something when instantly knew 14) Couldn't do anything about fixing as no warranty left and even no proof a worker for evidence to show an employee for paperwork if knew hearing all this time would've said. 15) Eight months prior Sept no one checked work 16) Now not being considered for other roles due to my hearing for promotion as one part they do not think I'll be able to minute take due to my hearing loss and only can be in that role if can do that not even let me try to do it or put me on a course to learn it 17) Other parts of work can do, they wont' look at a new role for me due to my hearing 18) Audiologist said hearing is letting me down and they're saying i'm dwelling but do not ask me what is wrong - she's not surprised the undermining me is pushing me to tears being threatened. Also suffer v bad anxiety, from work bullying four years ago which they know I suffer from it 19) told not being renewed as seen improvement plan as a negative when she's not realised she's upset me comparing me to her son and that she couldn't see me there anymore
  21. This has been going on since April this year. On examining my monthly bill in April, I found that there were charges for my mobile ringing my landline. Sometimes, the calls were short, sometimes relatively long. I am the only one in my household and there is no one to call. On occasion, the calls were when I was within 3 metres from my land-line and sometimes when I was asleep. There were also call recorded when my phone was turned off. There are no records of calls on my mobile log. BT does not operate a log of calls received - or so they tell me. I have been communicating with Vodafone since then and they have stuck to their chant that their system cannot be wrong. After some months in June, they suggested that I check my handset and my SIM at a Vodafone store. The handset turned out fine and they gave me a new SIM. I also noticed that every phone call from 1 second to 1 minute was being charged at the 1 minute rate and set against the free calls that I receive as part of my Pay Monthly contract. The rep at the store said that it had come in recently but Vodafone never informed me of this change. Anyway, the initial problem continued and in July I managed to get someone who said she was a manager and that this should not be happening and it would be escalated. And I would receive an update in two weeks. There was never any update and always some deviation when by the rep when I queried it by phone or on-line chat. In October, I got charged for data I did not use and for which my phone was not connected or set up. After a long wait and a chat on-line (the phone option did not have anyone free), the sum was credited back but the rep said that it was goodwill on Vodafone's part. I tried twice to say that he had agreed that my phone was not set up to receive these data and that I never received it and was charged incorrectly and so it was not goodwill but actually refunding an incorrect charge for ghost data use. I tried to check on the issue of ghost calls to my landline and the change in my contract regarding charging policy without consulting me. but there was no success. By now i had got fed up of telephone and e-mail communication where I had to request for a transcript and could not verify all of it when I received it. So I emailed the CEO's office via the Vodafone web - I received two phone calls where I said that I wished communication in a hard format so that I could keep a record independent of their storage. They refused and said that as I will not talk the matter on the phone they were taking it that it was solved. I replied that I have been talkng over the phone since April to no avail. I received a text saying that the matter was closed. So I wrote to the CEO using a Google sourced e-mail. I received a reply from the "Director's Office"; that they will need to investigate the matter. I thanked then that this is what I wanted and given the record thus far, to give me an update in 30 days. I immediately got a reply that I had not contacted customer relations, when my first e-mail to the CEO really went to customer relations who telephoned me! I wonder f thy ever intended to investigate the matter. It certainly sound like they are looking to sweep it under the carpet. Indeed, it appears that Vodafone is against a record of communications being kept by the party contacting them, possibly so that there is nothing to be used against them if the matter went to the regulator. I do feel that this is fraudulently charging me for calls I did not make, attempted charging for data I did not use and varying the conditions of my contract without notification and consent (giving me the option to close my contract if I did not agree). I have stated this in my last 3 e-mails to Vodafone. I have also stated that it looks like we have reached an impasse and as the matter has gone on for more than 12 weeks (but I have little record of it because it was in phone communication and Vodafone does not entertain the written word), at the end of the 30 days that I stated, I intend to write to Otelo and BBC Watch dog and Which. Any ideas or comments, people?
  22. I purchased a cordial from ASDA a few months ago which I am convinced made me Violently ill with projectile vomiting within 10 minutes of drinking it. I gave it back to ASDA and complained, along a letter requesting a copy of the test results I phoned ASDA today and verbally requested the lab results to which they replied that they tried to get a copy from the producer of the cordial, but was told they could not have it, and also that I cannot get the manufacturers address in order to contact them. Is this correct? If not, what can I do to get a copy of it. I feel that people are covering up a monumental cock up.
  23. A short description of what happened:- Needed on Sunday 8th December to meet with Friends 1.00 at Finsbury park. Checked FCC website at 10.30 approx. - info was no train disruption and the 12.16 train from Potters Bar was running (est arrival Finsbury Par 12.38). Arrived Potters Bar 12.00 - train cancelled and next two were replacement bus services - earliest est arrival at Fins Park ~ 14.00! (also at this point I overheard someone who had purchased tickets saying that ticket were valid on LT for the day) Left station and phoned my wife requesting lift to Cockfosters - which she did. At Cockfosters I purchased (an LT) ticket at £8.90 - a travelcard to get to Finsbury park - arrived 1.20 this way. (Note that my wife giving me a lift saved the £2.40 additional bus fare from PB to Cockfosters) (For those not familiar with the area Potters Bar is outside North London and served by FCC train to Finsbury Park - Cockfoster is 4 miles into London and top of the Piccadilly line) Spent afternoon as planned and returned to Finsbury Park~ 18.00. Trains were now running to Potters Bar and I used FCC to travel back to Potters Bar (Yes - using the ticket I had purchased from Cockfosters) Needles to say I was stopped at PB and told ticket was not valid - I argued the point refused to pay the penalty fare - at this stage they would not take or even look at my travelcard. They took my details and during this a second inspector snatched the LT ticket from my hand saying - needed as evidence They retained the ticket pointing to a bye law that stated any ticket issued remained property of the rail company. Have now received a letter from FCC stating intention to prosecute and asking for "my side of the story" I believe that normal custom and practise whenever there is service disruption is to allow interchange of tickets (FCC-LT) - and I have already payed a higher ticket price than I normally would have - hardly fare evasion! Please advise best way to progress
  24. This is not exactly your everyday situation, however, I have tried to find answers on other websites but failed. I found this site and hope somebody can help. I am a distant relation of those involved and have tried to keep things simple but this has got to stop as been going on for a while. For information, the eldest, who has confided in me, is extremely ill, physically and mentally (this unnecessary stress is obviously making them worse). The youngest (who is causing the problems) is married with children and works full time. It surrounds the fact that the younger brother has been sending threatening texts to an elder sibling, and in telephone calls threatened to report the elder to DWP for, as he calls it ‘benefit fraud'. Indeed, the information the younger brother has obtained, has been done by way of threatening texts/phone calls which may even amount to blackmail or an offence of harassment, at least. My 1st query is if the younger brother goes ahead and reports sibling to DWP, how does the fact, the way he has obtained information/intelligence/evidence affect any potential prosecution? Could the way the younger brother has 'handled' the situation and obtained information, make this situation difficult for DWP to prosecute as the information/evidence was obtained unfairly (to the say the least), and as I think illegally, which could taint any evidence that the DWP seek to rely upon? If it is the case, that because of the way intelligence/evidence has been obtained by the potential DWP informant, and thus making any prosecution difficult, this would obviously put the eldest’s mind at rest, and will obtain further legal advice, if such a need arises.
  25. Hi all I've just had notification of a second repo order on my house, after a many year fight. I won the last round with a walking possession order over me but still owned a house at the end of it. I did a 550 mile round trip in a day for that too. Phew. Here is the background: I moved someone in whilst I'm working away to afford the mortgage payments whilst I deal with the arrears repayments. They get paid on 10th of the month, leaving me around 10 days behind every month. I asked Hamilns Solicitors (Santander litigation dept) whether this was a problem as I could make it up in the interim somehow. They said it wasn't a problem at all as long as it comes around the 10th, agreement sorted. Cut to last month. I phone up to see how I'm doing, apparently it has been returned to Santander as the arrears level has dropped low enough to be returned. Awesome! Only they did not mention the 10th of the month agreement to Santander. Instantly the 31st July came, computer says no, warrant kicks straight in, now I have a repossession order for 19th August!! Bunch of... All this time I have complied, giving them my correspondence address and email, which they have had on file for 2 years plus. They sent the notification to my property up north, not to my correspondence address. They have done everything by email thus far, where I reply instantly…except this REALLY IMPORTANT bit. They didn't tell me any of this by email, nor pass any of this detail back to Santander. No phone call, nothing. I just got a random phone call from my very worried tenant. Should I just tell the court all this and fight it, or am I likely to lose? can't find £1800 in 11 days - it's not possible unless you're a big bank like Santander. I've fought hammer and tooth for this for 5 years and am just getting somewhere with my debt clearance. Things are on the up apart from this. All my council tax arrears are gone after this month, leaving me better off still. Any advice? Do I send out an N244 quick smart with all this on? Do you think a judge would give me the benefit of the doubt, seeing as its my second visit? I can't even afford to go up there and take time out from work - it might have to be a telephone hearing. Muchos gracias J
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