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Found 18 results

  1. Hi, would appreciate any advice regarding the situation of a relative who is a single Mother. She had an outstanding housing benefit overpayment which was being repaid monthly over a payment plan for the last few years. At the beginning of this year the council got in touch to say that they needed to increase the amount paid each month; following a review of her income and expenditure a significantly higher amount was agreed to be paid which she has paid without fail. The council also stated that they would review the payment plan after 3 months, however they sent a letter 4 months l
  2. Just a quick question or two: My Mother, who's 80, has been overpaid by the DWP by around 1400 pounds, as she was kinda late in informing them of a change of circumstance. That I had moved in with her, as her carer, five months before. She's happy to repay the amount but we were wondering about how much to offer. I've suggested 10 pounds per week direct from her benefits. Does this sound like a reasonable amount? If not, can someone suggest what would be. Also, the DWP suggest we should call their 'Dept Management Team' , I'm kinda thinking that sending the offer by
  3. Good afternoon everyone. This is going to sound pretty silly but I have been paying Lowells £5.00 per month for nearly 3 years now, but I have no idea what it is I am paying for. Some of you have been helping me with an actual claim, so know the state my life was in a few years ago, so I won't go into that all again. Anyway - I think (but am not certain) that the debt was an old littlewoods catalogue. I have not missed a payment ever in the nearly 3 years it's been going on for - but my credit file just shows default every single month, so I am getting no benefit by paying it ba
  4. Can anybody give me some advice on this please? I have been paying off an overpayment of a few hundred pounds at £20/month and have now received a demand for £2000 for an overpayment for the last tax year ( I always let them know of any changes so why they overpaid when they have up to date information god only knows). I rang and asked if I could just keep paying until it's all paid off and they want incomings and outgoings. I said I wasn't happy to give him all these details and he told me there was nothing he could do then. I told him I was offering to pay but he didn't seem intereste
  5. I was left with a 4k benefit debt a couple of years ago which I have been paying back at the rate of £100 per month from my self employment and have had no problem doing that. Debt currently stands at £1700. However I have finished self employment and now receive Income Support and Carers allowance. Got a review letter from the actual DWP Debt management people other day wanting to review the rate of repayment and asked me to get in touch. I called them and said I would like the arrangement to continue at the original rate of £100 pcm as I am now in receipt of the above benefits
  6. Hello all I have several debts that I am currently repaying, under a self managed repayment plan, to which all debt collection companies agree to every-time. This thread relates to one company, BPO last year they offered me a reduced rate of 12 payments of £? and the rest will be cleared, I paid the 12 payments and wrote to BPO stating that the account should now be closed and that all credit reference agencies notified that the account has been settled as per the agreement, I got a letter back, stating the remaining balance is still payable due to the
  7. Could somebody please clarify if you wouldn't mind. Parent received renewal form, and is currently repaying 25%. Renewal has an extra piece of paper stating if income over £20,000 repayment will be 50%. Is this amount before the tax credit amount or after it, meaning will income for 50% be taken off after total income (including tax credits) or before? Many thanks.
  8. Child will not be receiving DLA or the disability elements of tax credits so huge loss of income there already, parent could just about manage yesterday told about repaying an overpayment (this is on top of the current amount being repaid) to another tune of over £50 per week. Parent asked for reconsideration yesterday about this added repayments but not informed of result yet. When DLA does stop parent will be losing approx £800 per month, this is without this added repayment. It's not a problem at the moment but will be very soon, household income will dramitical
  9. I have been repaying my tax credit overpayment (from 2011-2013) at an agreed rate for the past 3 years & have another 7 to go I may be on a position to clear the remaining debt with a lump sum payment in the next few months - does anyone know what happens then? Will I drop off the Tax Credits system? (I no longer qualify to claim due to income) or Will they assume I have access to endless cash & check claims prior to 2011 (they already know I can't prove an alternative address for my ex husband for this time) in the hope of reclaiming more money? Also, as I was charged a pe
  10. I am new to the forum so appologise if this is in the wrong section. Several years ago I was in Ltd company. We managed to secure bank funding but when the company failed we stopped and both the other director and I have been repaying the bank our debts in installments. We both signed a persobal guarantee. I have since discovered that for about a year he has stopped his repayments and because of the PG the bank is happy just to chase me. Is there something I can do to get make him continue paying and bringing his share level with mine? Is there also a way to pursuade the ba
  11. Hi all First time poster Ended up in a huge mess - trying to face up to my responsibilities. Am repaying a CCJ I didn't know was out there - too late to seek redress or dispute it. All my available money spare is going towards that. There are a few other old credit card debts that an ex-partner racked up in both our names which have just come to light, and also a payday loan or two which I foolishly took out to try and clear other old debts off. I know...............!!! I tried to just sort out immediately but have ended up getting into further trouble, So. These ot
  12. Hi, hoping I can get some help. I have an overpayment that I'm repaying from 2011/2012. They have been reducing my tax credits by 25% per week which was fine and it should be repaid by February 2015. The problem I have is that my husband is no longer working due to health issues and receives DLA and ESA support group. I work part time and earn around £9500 per year. The amounts they are taking is causing financial problems and I've asked on 2 occasions if the can reduce they amount they are taking but the request has been refused both times. Can anyone advise what I can do n
  13. its been a while since my last post but please can anyone help...i have now recieved an overpayments letter asking for 2400 pounds...omg....how. long will they let me pay back ad husband is on an iva and we have little money now.....i would be grateful for any advice xxx
  14. In late 2010 I applied for a current account online with santander, they accepted me and sent me out a debit card with a £100 overdraft limit. I spent the limit, then got a letter through the post asking for £80 in unplanned overdraft fees because I'd apparently spent £106 over. The last transaction I remember doing on the card declined, so I think maybe that's the one which which took it over. I want to contact santander to try and sort this out now, but I've never had any correspondence from them since about it. All the contact info on the site says are phone numbers, but I'd rat
  15. Hello all I had a few bills that needed to be paid so did something a bit stupid - I used an unauthorised overdraft on my Lloyds TSB account. I did try asking them to authorise a overdraft but they refused the application so it was either that or go down the route of a Pay Day loan and thought it was a lesser evil of the two. The trouble is, I'm not in the position to pay it all back in one go so looking for advice if it would be possible to get them to freeze interest and charges and pay them back over the next 6 months? (amount owed is about £800) The other issue is that I
  16. Hi I guess this may sound a bit basic for many on here but I am very confused about what my best course of action would be. I have been searching for over an hour but getting more confused by the minute. I have a couple of defaults registered on my credit file for a loan and credit card from when I was made redundant. The dates of default are in 2008 and early 2009 and so i believe would come off my credit file in 2014 and 2015 (so within 2 years give or take a couple of months). I have not heard from the Debt Collectors - MKDP for a number of years but have move addresses a
  17. Hi, I missed my jsa signing on day and Im currently paying back my budget loan, Im worried whats going to happen with paying back the £6.75 instalment that usually comes out of my jobseekers allowance every week. Thank You for your time and help.
  18. Hi all info needed, i have been paying lewis group £3 a month for a vanquis credit card debt and completely forgot to pay it and then got a phone call just saying because i have defaulted they can't accept payment and because we are waiting for a claim for me to look after a family member for carers allowance i don't work which means no income, my mum pays the debt but between us we have forgot to pay it i said to the cheeky cow on the phone if they are not happy to take me to court was that right or not or what do you suggest i should do i've paid it regula
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