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  1. Hello, My Housing Association has informed me that they are applying for a warrant of possession due to the continuous climbing of my rent arrears. The current arrears is at £3485 (I know it's high). It got this high because of issues with Housing Benefit (it got stopped). This was a big hit and I wasn't sure how to deal with this. I was not immediately aware it was stopped. I'm only now just recovering from that and will be able to make monthly rent payments again to compensate for the lack of Housing Benefit. I'm a full-time student and the University have giv
  2. Hi all Wondered if anyone could help or offer some advice as I am in quite a stressful situation at the moment and this forum has been very helpful in the past. I was recently involved in an accident on the 5th April 2017, I am technically at fault as I went into the rear of someone at around 15-20mph, put Pedestrians went to cross a zebra crossing and the car on approach slammed his brakes early in realization of this and that forced the car in front of me to slam his and I was unable to break in time leading me to go into the back of this vehicle. Aside from me asking if w
  3. some time has lapsed just a recap that i sent our letters from my parents address, however this didnt stop them from continuing to send letter to their address for me, even though i didnt live there. and also sent them letters from my current address to inform them that i didnt live there. my mum moved from the address in January but from around December i noticed i was getting unusal mail....from Lowell i came home on sunday after recovering from an operation, opened up my letters today to find a letter from Lowell Solicitors. Letter of Claim dated 17.02.16 W
  4. Hi Firstly I am extremely upset/embarrassed by my son's behaviour - but I am trying to be practical in this post..... My 15yo son was caught shoplifting in our Sainsbury's Local this morning He was stopped by a shop assistant as he had put packs on condoms (!) in his pocket. He was stopped by the sandwich section near the door. My son admitted to nothing, nor made any excuses. Just handed the packs back. The store assistant took his name, address and mobile number, and said he was calling the police (he made a call, there and then at the till, and then bragged
  5. Hi, I live with my husband, we are both self employed, I had a baby in September and receive Maternity allowance. I was also receiving Working Tax Credits and Child Tax credits, around £80 per week. My husband is currently quiet with work so we asked the council for rent help, they told us they can no longer help and we need to apply for universal credit. We did this (horrendous application system!) and in the meantime our working and child tax credits stopped, we were never informed this would happen, i wish i had just left it as it was. We were relying on that money and now it
  6. Hi all, I'm new to this forum and hoping for a little bit of help and advice, if possible. Briefly, I owe cira £20k on credit cards and loans. All were taken out within the last 2 - 3 years and, as yet, I have not missed a payment on any of them. The breakdown is as follows: Nationwide Loan 8k (taken out 2015), Nationwide Credit Card 5k (taken out 2014), Virgin Money Credit Card 4k (taken out 2016), Sainsbury's Bank Loan 3k (taken out 2015). Like I said, to date I have not missed a single payment on any of the cards/loans (I'm frightened to do so
  7. I was on Incapacity Benefit at one time and years ago was sent an ESA50. I filled it in, sent it back, and was granted ESA WRAG, and never had a WCA. Now another ESA50 has arrived, and now I'm thinking they're going to haul me before a WCA this time. I'm also afraid that this means that my ESA has already stopped. Is this so? BTW, should I take my time in sending it back, or send it back as soon as I can? Should it also be Special Delivery?
  8. For years I have been struggling with debt but I got in contact with payplan and applied for a DRO. All the paperwork was set up with all my debts on. Council tax is with Marstons. I then received a letter from Rundles saying they were recovering council tax. I thought the council and changed agents and now everything was with Rundles. I informed payplan and they amended the paper work. I was just about to pay the £90 fee when last week while I was in bed asleep after a nightshift. An Enforcement guy...tapped on the front door and walked in scaring the life outta my partner who was in t
  9. Hi all, just for bit of advice really. Few months ago I had a court fine of around £200 for motoring offences. Sorted out a repayment plan but payment card never came and lost the original letter (kids tidied up!) and couldn't contact the court as I didn't know the name of the court. Around the second week of December I received a letter from Collectica saying the debt had been passed to them and they wanted payment of £276.54 in full. I couldn't pay in full as I'm a single parent, currently on JSA as I lost my job in Sept I called them and they came up with a pay
  10. hi looking forward to finding my way round this forum we have debts and i am looking for advice via the information i can find on your forum thanx
  11. Just opening a thread on Carers. What benefits they can get. How earning a small wage can effect them,anything really about carers. What troubles they face. Where they can find help and where. What charities will help them with things they may need.For the people they care for. Whether a unpaid carer or paid carer. Maybe you are a charity and see many things and help so many.Good on you. Whether a Carer who is employed by a company and shoots round all over the towns and cities, what pressures you or they face. Does the company you work for treat you well. What pres
  12. I'm in a situation with Newlyns. Because of an ON/OFF relationship I've not been getting a lot of post, and a parking ticket seems to have slipped through the net and now its at the warrant of execution stage. I still didn't know until i was parked up at the side of the street last week and a spy knocked on my window and introduced himself to me as agent 007 (not really) from newlyns and that ANPR had picked up my details and i owed £400. He gave me his mobile number to "deal with it" and sent me a reference number. I called the office and set up a payment arrange
  13. Hi I just got yet another letter from tax credits saying we owe them nearly £3k! They have already got our totals wrong and wrote back to them last week with new totals, this came today and is dated 9/6/16 It says I get over £8k a year,, wish I did, only get a state pension. The ex claimed tax credits for himself and added me but they were informed of my pension which stated last year, they have our combined income at in excess of £25k! He is on £7.20 a hour, 45 hour week,,, was on £6.50 till NMW came in, we worked it all out for the years 2015 to 2016 taking into account
  14. Hello there I have not put anything on here before but my daughter has and so she has introduced me to this. I am in a pickle and feeling the stress and at almost 70 I could do without it. I was a guarantor for my son for a loan a while back and he got into a terrible mess and tried his hardest to pay the huge monthly payment but had gotten behind with repayments along with a mountain of debt form elsewhere. Now me myself, I too am in a lot of debt and it is worrying me to the point I am awake at night just about my own mess. I own my home but there is a lifetime motgage on it as I
  15. I am currently on ESA SG and in the middle of being reassessed. I am as always worried about losing my ESA. I am also due to be moving in with my partner in a few months and as they earn over the threshold I will lose all money anyway but at least if I am on ESA my stamp will get paid so I will still qualify for my pension in future. If I lose my ESA it won't change the fact that I am currently unable to work but I won't get my NIC paid. I s there anything I can do to get round this issue? Could I for example become self employed and just pay my stamp myself it it wou
  16. Hi, I have just received a CCJ and all I got back from the courts was a letter telling me that the creditor sent the court a letter after they had received my admission and offer of monthly repayment, and that they had complained that the offer was too low. The court has now ordered that I pay a larger amount each month and that the first payment should be paid to the creditor by the 22nd of this month which is a week before I even get paid. I won't have the money by then and it's also more than I was expecting. Will the bailiffs come if I pay a week late? Or do you think the cred
  17. Hiya Everyone. I am in a pretty complicated situation and I'm very worried about it. I am posting in case anybody has any advice about this sort of thing. I'm self employed and last week I received a letter asking me to prove my self employment. They want all the details from August 13 to November 13th, and they want these details by December 13th. I work several self employed jobs. As an adult phone operator (Have done since 2007) in May this year I opened an etsy shop, and more recently I have started working on another text chat system. Whats making me so nervous is pr
  18. Hi Everyone A friend of mine advised this site as I am going through a very stressful time regarding my ex marital home which is in negative equity of around £25 thousand Arrears of £1500 and a Suspended possession order attached. In 2006 my now ex husband went to a broker to find a way of re mortgaging our property to consolidate some debts I never went with him as I was off work with stress and depression at the time I would just sign papers that he brought back with him. we ended up getting a re mortgage with mortgages Plc on an interest only which i didn't understand
  19. I was caught shoplifting some earrings from Topshop yesterday by the LP officer. I know what I did was totally wrong and I am completely and utterly ashamed of myself. I feel dreadful and I deserve the scare they gave me. They approached me outside the shop and asked me to come with them to the holding room. When there, I admitted I had taken a pair of earrings and gave them back. The LP officer kept asking me about a gold necklace that I knew I hadn't taken so I took all my stuff out and showed them I didn't have it. I was in a real state of shock and fear and had (honestly or maybe just
  20. I have just looked at my credit file and in the last two weeks 15 separate insurance companies have done a search on it. I have not contacted anyone for any insurance purposes, nor been on any comparison sites. I do not need insurance. Should I be worried? Could it be identity fraud? What other explanation could there be?
  21. Hi, I'm not sure whether there will be a problem here but don't want to wait util there's a crisis before posting. My friend lost her job last year when the young disabled man she was caring for went into a home. She also lost her home at the time as his dad had bought a house for his son to live in. Although the family gave her time and space to adjust this has worsened her existing health problems and she'sapplied for ESA. She managed to find accomodation and apply for ESA. She had her appointment with the dreaded ATOS and keeps telling me "I know I'll fail". The woman who she saw
  22. Hello I moved into a HMO approximately 6 weeks ago. I am a mature student and everybody else is a professional. It's a big place with about 10 people in total. I was speaking to one of my house mates (Josh) who told me that the landlord is crap and never carries out repairs. Josh has lived here for 6 years and he hates the landlord. He told me that he went 3 years without hot water, despite asking for it to be fixed - this was eventually resolved with help from the CAB. He also told me that although the boiler was recently checked, it hadn't been done for 3-4 years prior. Whenever t
  23. Hi, I am new to the forum so please be gentle. About 3 years ago I was caught shoplifting from Boots. This was something I am extremely ashamed of, as when it happened I was going through an extremely difficult time after suffering a miscarriage. The item in question was ovulation test strips, hence the connection to the emotional pain I was going though after loosing my baby. I know there was no excuse. I received what I can only vaguely remember was a lifetime ban from either that particular store or all Boots. I learnt my lesson and have never done anything like this again and never i
  24. Hi , on March 27th I sent a letter by signed for as it contained a driving licence ( not mine and not to DVLA ) I expected it to be there the next day or on Monday but it has not arrived, not been signed for either. It says it is in their system? I paid extra for peace of mind but where is it? There is a deadline for the Licence to get where it is going as it has to have points put on it, the fine has been paid and then once that is done you send the licence off. I photocopied the letter and have reference numbers and the address the letter has to go to, like
  25. Hello Everyone, I took out a car insurance policy with Tesco Bank Car Insurance on 16.03.2015 and emailed my proof of NCB on 19.03.2015. I was told by them that I should receive an 'auto-response' email, which I did. It was stressed to me however that I should receive a confirmation email that the NCB had been accepted and applied to the policy, which I haven't. I therefore rang them today to ask them for this confirmation and they said that all calls were recorded and could confirm that they had indeed received and applied the NCB. They said that because I hadn't supplied a mob
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