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About Me


Found 12 results

  1. Could someone please advise on the “6-years and it lapses” rule, I want to know if it still is in place, and also if it then has relevance for the following. 5 years ago I acted on advice from the wonderful people on this forum. I had previously retired at 65 after a business collapse, and was facing constant letters/calls from debt collectors regarding some related debts amounting to £36K across 5 business credit cards, 1 personal card, and a small-business loan. As a result of great advice I was able to hold my ground and even go on the attack, and after a year or so 4 of the deb
  2. The following is taken from the Law Gazette website: https://www.lawgazette.co.uk/news/supreme-court-ruling-on-litigants-in-person-could-redraw-cpr/5063855.article
  3. I have just given Foxtons my 2 months notice to end my assured shorthold tenancy. Foxtons have phoned me numerous times telling me they will be doing viewings in 2-4 hour slots across the days & that I dont have a choice to be there nor the right to find mutually convenient times enabling me to be present. I have said I am happy for viewings to be arranged at a mutually convenient times when I can be present in evenings & weekends. I have said that I wish to be present for viewings. Foxtons are being very aggresisve & bullying telling me I don't have the right to restri
  4. We currently have about £6k outstanding of a DMP we have with Stepchange. We have been repaying for about 11 years and had 1 year left except my wife lost her job which knocked the payment right down and now some of the creditors are starting to harass us. BIggest concern is Barclaycard. My parents have offered us £1800 to act as a full and final settlement but looking around I came across this forum and 'Cash cowing'. Now i'm concerned what the best way forward is. Debts are: WESCOT CREDIT SE... £1,331.49 LLOYDS BANK PLC £1,245.25 LL
  5. Several weeks into the post-ESA struggle for existence and I received the oddest phone call today from my "benefits advisor". Essentially it amounted to her pleading with me not to close my ESA claim. It was so mind-boggling, given the current climate of attack on the benefits system, that I have to set it out here in some detail. The advisor was responding to my letter declining the appointment made between me and her by the powers that be. Essentially I'd said - if they've stopped my ESA to what end would I be attending the appointment. I assumed that the people who stopped my bene
  6. The bailiff regulations (that came into force on 6th April 2014) provide a simplified fee scale that is the same for arrears of council tax, non domestic rates, local authority issued penalty charge notices and Magistrate court fines. How much are the bailiff fees? Compliance Fee: £75 This fee is added to the debt as soon as the account is passed to the enforcement company by either the local authority or the magistrate court and will appear on the Notice of Enforcement. The ‘amount oustanding’ will therefore include the Compliance fee of £75. Enforcement Fee: £235 (plus 7
  7. In past versions of Windows, Microsoft has allowed users to configure how they want operating system updates to be delivered. Those looking for the ultimate protection configure Windows Update to automatically install them, while others may, accidentally or not, disable the feature or postpone installing any updates for a very, very long time. I have seen systems that last had updates installed years before I was asked to troubleshoot them. With Windows 10, however, Microsoft is taking matters into its own hands, by making automatic updates mandatory. This applies to both home and busine
  8. Hi, I passed my driving test last year and went down the route of the examiner taking my provisional license to send to the DVLA in order to obtain the full one. According to everything i read and was informed about, the full license would arrive inside three weeks. one week in and in my excitement, i bought a car and via a comparison site arranged insurance. I had explained i did not at that time have the full license to send them, just passed etc and was told this would be OK as it should arrive before they would cancel anything, and to mail them the license whe
  9. Hi I am posting with some questions for a friend of mine whom sufffers from mental health issues (anxiety panic attack, nausea, vomiting, depression) background she has just received notification of being placed in the WRAG group- contribution based ( migrated from IB). she is keen to get some support/advise re testing herself out for possible work WHEN she is well enough and is stuggling with coming to terms with admitting how ill she is. I believe she should be in the support group, as her mental health is such that she cannot reliably commit to work related interviews wit
  10. I would like to try and sort / clean up my account as one day I would like to be ‘’normal’’ have a mortgage again etc. I haven’t heard that much recently from any one, the occasional letter arrived but I just chuck it as im unsure of the process I should follow and not to deal with DCA’s I have a recent copy of my Noodle credit file, most of the debt has been sold on, I have not acknowledged or paid anything towards any debt since 2010, supported by my credit file as they all state default every month. I have no recorded CCJ’s from what I can see. Could someone pl
  11. http://www.sunderlandecho.com/community/opinion/letters/letters-friday-11-2013-1-5307722 Best to keep it moderate!!!
  12. Hi My situation is this. I was previously getting income support based on sickness, was assesed by ATOS in oct 2011 and told in nov 2011 (25th or 26th) that I would not be transfered onto ESA. I appealed this decision in dec 2011 (28 or 29th) and eventually had a first tier tribunal may 23rd, which upheld the decision made on nov 2011. I have been receiving ESA at assesment rate since jan 4th 2012 whilst I appealed, I have received no letter from the DWP yet but having checked with jobcentre my last ESA payment was the 5th june and my claim was stopped on the 6th june and has put forward to
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