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  1. Hi This is my first post as I am really at a loss. In February my boyfriend got caught twice within 2 weeks speeding, once 36 in a 30 and then 42 in a 30. He had recently started a new job on the other side of the city so wasn’t great with timings, not an excuse but still. The owner of his car (his mum) received the letters regarding naming the driver which my boyfriend filled in and sent back. This was in March. Then in mid-July he received a letter from the magistrates court saying he had an £846 fine and 6 points (!!!) but he didn’t read the lett
  2. Hello, I have an eviction date of 13/07/2011, i am £7500 in arrears with my mortgage the original repossession hearing was back in 2005/2006, since then I have had a very poorly baby, been very ill myself and still have problems with my blood pressure and liver. NRAM have issued an eviction date and i have complied with them and provided all my I&E details. I rang today to make my normal payment the gentleman stated that they have made a decision and that i need to pay £4k off the arrears and increase my offer of overpayments, they are stating t
  3. Hi, I don't know if I'm posting this in the right place but I need help. My daughters boyfriend has just received an eviction notice, stating the eviction will take pkace a week on Thursday. I'm currently sketchy on the details but it's all due to problems with housing benefits etc. Hes had a nightmare of a couple f years, he was persuaded to take a 16 hour a week job because he was on DLA and could claim working tax credits, he also kept his housing benefit. He then lost his claim to DLA when he had to change to pip and so lost his working tax credits. He also lost his housi
  4. OK, guys, I should have posted about this a good bit back but it has made me very ill! I struggle to cope with everyday life never mind something as serious as this. The back story. I have been on incapacity Benefit since 1998 and was moved to ESA in March 2013. I was placed into the WRAG and attended my first interview. I was puzzled as to why i had to go for regular interviews but went anyway. At the first interview, I was advised that I was in the wrong group. I asked if it made any difference to my money and was told no that i would get the same amount so i said i didn't mind doi
  5. Hi Cabot /restons are taking me to court tomorrow for an unpaid credit card debt. Card was started in 2002. Debt was built up whilst receiving treatment for prostate cancer because I ran my own small limited company. Although the card was registered in my name, The card was used solely to pay business debt and that business folded some years ago. Lloyds TSB sold debt to apex management who in turn sold on to Cabot but I have no evidence of Cabot purchasing from apex. Restons tried taking me to court in Northampton last year but it was stayed because they could not p
  6. I have an appointment tomorrow morning at 9am,(universal credit) which I had changed to because my last one was cancelled for some reason. I do casual work here and there I got a text a few mins ago reminding me that I have training (counter terrorism training) at 9:30am - noon at my casual job, I completely forgot but if I phone up UC now they may refuse or sanction me. Should I call up now or in morning?
  7. hi due to problems with family i have only just remember (well phone pop message reminded me) that i need to file my defence tomorrow need some help with what if anything I should put in my defence about the fact that the solicitors cohen cramer are calling the ex jd williams account now owned by lowells a non regulated account. Anyone help I assume the account is regulated as I thought all these accounts were but ive had nothing back from Lowell re my cca request sent oct 4th postal order was cashed on the 10th and received only a letter stating it will take 45 days
  8. I got this form a few days ago and I need to return it by the 22nd (less than a week from when I received it). And I'm really not 100% certain how to fill in the box. It does say 'briefly' but I'm worried that if I don't put in enough information that it may go against me when I fill out the actual PIP forms when my son is 16... My son has a diagnosis of ASD and had been getting high care and low mobility (the welfare officer at cab several years ago advised that I should appeal for higher mobility but I was just happy to get something and didn't want to go through an appeal even though h
  9. Can someone please shed some light on this? I've previously lodged an incidental application to have this case sisted, but was instructed to file a defence. A date for proof was set, but now it seems that the pursuer are trying to discredit me (again, and moreso), but still fail to present any evidence to support their claim. I took delivery of this summons tonight, and the hearing on incidental application is tomorrow at 10am. Is there even any point in attending?
  10. Hi from a newbie, apologies if anything is done wrong. I took out car insurance on 16th November 2015 with Endsleigh. To the best of my knowledge I filled in everything about the quotation correctly, but then got an email and letter from them on 25th November saying that my during their validation process my policy has flagged up a problem. The letter/email states that they asked "Have you, or any person.....been convicted of any motoring offence..." etc To this question I answered 'Yes' and stated the following facts (as I thought) I obtained 6 points in April 2012 for sp
  11. Hi everyone! I have read previous threads in this forum, but have began panicking and would much appreciate personal help! Long story short, my direct debit of £9.99 bounced on the 5th of August due to lack of funds, and I fully admit responsibility. I was on holiday until Tuesday, and returned to a letter dated 6th August saying that the £9.99 plus £25 admin charge will be taken from my account on the 16th, and will not be able to stop after the 14th (tomorrow). I emailed the company on Tuesday (after reading threads advising to stay off the phone) however h
  12. Hi everyone! Sorry for the slap dash post but I am currently in urgent need of help in regards to bailiffs. Today I was at my girlfriends house when a pretty big bloke knocks the door her mother goes and answers it expecting nothing. Turns out its a bailiff looking for money that is owed due to non payment of council tax [its something to do with when ny girlfriend went off to uni and they were still paying her mother tax credits and they wanted the payments back, something like that ]. hes there for ages and says hes going to clamp the car and he goes to get a big chai
  13. Appeal tribunal tomorrow...(ESA). Absolutely bricking it, haven't been able to sleep in days with the stress, feel much more stressed than the actual ATOS exam, keep reading the forum and see people taking representatives with them, what's that all about as I was unaware I know it's too late but what do they mean by representative, as it's only myself and my mother going.
  14. Hi Just looking for a bit of advice. My husband has been on DLA for just over 2 years and in May he was asked to apply for PIP. I filled out the forms for him and sent all evidence from each consultant he sees. We received a letter in June to say all had been received and his assessment would be in 12-16 weeks. I called just before the 16 weeks and was told it would now be 26 weeks but ATOS would be coming to us. His last ATOS assessment for ESA I had to take him and we actually found the lady very nice and she included me quite a bit in the assessment. He was placed in the SG
  15. Had 285.89 outstanding on this year's council tax which I paid online to council this morning. Got home to find hand posted bailiff letter demanding 661 + 75 + 235 stating they will call again at 6am Saturday I have emailed council requesting they call off bailiff ASAP as paid. But considering bailiffs figures are out of date guessing communications are poor and they may call back What can I do? Do I owe bailiff 310....which is greater than what I owed the council!? Help much appreciated as very concerned
  16. I signed on this morning and my advicer gived me a leaflet about payments been sent early but don't understand when my payments will go in my bank and just wondering if anyone know from this: Expected Issue date Payment for Period Ending 15/03/2013 15/03/2013 27/03/2013 29/03/2013 12/04/2013 12/04/2013 I know the top one as I signed on today and it will go in my bank on the 20th (on wednesday) But when will the 27th go in? is it on the 29th it will go in my bank or the 3rd? I should signed on
  17. Good Evening Im hoping someone can give me a quick response. I was in arrears with GE Money (secured loan) due to relationship breakdown, losing my job, looking and securing child care. GE money had a suspended order in place from 2010 and due to my own erratic payments (redundancy from previous job etc) have received an eviction notice now for the 18th July 2013. I have alredy submitted the court forms and witness statements as per the excellent advice on the forum. GE money have provided me with an arrears figure of £2976.96 and have refused all efforts for reaching
  18. wow, I have a Job interview tomorrow at 9am and this is the Job https://jobsearch.direct.gov.uk/getjob.aspx?JobID=3930488&GoBackURL=http%3a%2f%2fjobsearch.direct.gov.uk%2fHome.aspx Brilliant !!!
  19. Hi .I need some advice my 20 year old son a year ago was taken to magistrates court for not having a £1.80 train ticket . He as they do ignored this . This became a £00.00 debt with costs etc which he arranged to pay monthly and did until he became unemployed towards the end of last year . The debt was moved to collectica . I called when they notified him they adding more to the O/S balance and after he gave his authority for them to talk to me I explained he was unemployed and waiting for benefit to be sorted and wanted to make an arrangement to pay but cur
  20. hi, I received the following letter today (I don't live at the address it went to, its my parents address where I lived previously. It is for a parking ticket, I received whilst at hospital giving birth! im 99% sure I had my blue disabled badge displayed at the time. This is the only letter I have received and it seems somewhat excessive. I am so scared they will go to my mums tomorrow and she will panic and pay the whole lot. I do know my rights to an extent, ie they cannot gain entry forceably etc and can add fees for a visit and levy but they def not levied.
  21. I have to watch what i post as it is in reference to a well known DCA I have just had a visit from a very good friend of mine. He received two court claims on the same date reference an overdraft and credit card. He went onto one of these FMOTL web sites. He sent a CPR 31.14 request and asked a contract under this Bills of Exchanges Act. THE CLAIMANT HAS RESPONDED TODAY TO THE 31.14 REQUEST, DEFENCE IS DUE BY 1600 TOMORROW What interests me is that the DCA are stating it can take up to 6 to 8 weeks to receive the information from the creditor as to the 31.14 request, AND HE
  22. Hi everyone, I posting on behalf of my wife who is due to have a disciplinary meeting tomorrow due to her absence. I'll try to describe how this has managed to come about. First off my wife has Type 2 Diabetes of which she does not have great control over and uses insulin to manage her diabetes, she is currently and has been treated for long term depression for which she takes medication, she also has carpal tunnel syndrome in both wrists. Her depression the doctor believes manifests itself from her Diabetes, we also have a disabled son who has a serious problem with his heart and has rec
  23. My husband got fined for a motoring offence a couple of months ago, we were unable to pay anything off the fine as we really have problems feeding the family at the moment. We just don't have enough coming in. 8 days ago we got a visit from excel civil enforcement, with costs the amount owing has risen to £900, we dont have this much money, my husband explained this to the bailiff and asked for time to pay in installments and was refused. He said he would be back this week and that we would have to find it in the week. We don't have anyone we could borrow this off and no way of raisin
  24. Hi all I foolishly drove on a provisional by myself and am now being summoned to court over this offence and driving without third party insurance, i was and am still named as a driver on my girlfriends policy. i intend to plead guilty via post and was wondering if anybody know what my likely punishment would be and the best way of escaping a ban. i am not condoning this and agree i should be punished
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