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    • Thanks for your reply dx    no I haven’t moved, in all honestly I don’t think they have sent the NOA, hence why I have asked for proof. It was suspicious on the phone as they couldn’t find the letter and then couldn’t attach it to an email    I have no problem paying the £75 if they prove they sent it.    im disputing the £235 as I don’t think they’ve follow the COVID guidelines either. I’m at work and my sister answered the door who is deemed vulnerable and is shielding. I would have told them that if they done a risk assessment (I believe the ministry of justice require it)    im a little confused with what you mean by the NOA running out? They have told me they sent it on the 14th? 
    • Well, I'm being pedantic but I think they're using the wrong term.   Link to the Money Advice Service on salary sacrifice below. It doesn't sound like what you're doing.   https://www.moneyadviceservice.org.uk/en/articles/salary-sacrifice-schemes   HB
    • can you please refrain from using any hosting sites now please   read our upload guide carefully (esp about using pdfreducer websites) and pop the PDF up here.   can you also rotate the images!!   thank you
    • can't see how you can owe the £235 fee, just because of an error their way that ran the 7 days out because you didn't pay the £75 NOA fee in time. you need to confirm the address the NOA was sent too , thats all. have you moved since the fine was issued?   please be very careful about following advice on some bailiff sites, they can be very misleading at the best of times. if you've not moved, then there can't be any real dispute about not receiving the NOA, letters are deemed received 2 days after posting regardless.   i think you need to get WRITING to the company, offer the £75 . 
    • So after requesting a new SAR this is what we received. Can anyone shed some light on what I could do with these figures?  https://drive.google.com/file/d/1PLDAGPrHWMrmqhiu6CDA3Vxg1w8NYQqI/view?usp=sharing   (There is no sensitive info on this link)  Can anyone Help? 
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    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
       
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
       
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
       
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
       
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
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Bombshell DWP letter


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This Morning I received a letter from the DWP stating that I owed them the sum of £3050.80, they had contacted me previously and that they wanted the outstanding amount by 1/12/2011.

The last communication I had with the DWP was in 2005, since then I have moved house and got married, at no time since then have I claimed any benefits or had any communication with this department. I rang up the number on the letter and spoke to a woman who informed me that they had 'Traced me' and that I should make arrangements to pay them back, as it was a FRAUD case and that I had been interviewed under caution" this dear reader is news to me, at no time in my life have I ever been cautioned......Also because the debts in question have an appeal time of only ONE month I could not appeal, I asked this person how come as the Client I had a time limit in which to appeal, but they as a department have an open ended time in which to recover the allegeded debt, I was informed that she didn't make the rules. I explained that I have NO income, she then asked how did I live?

I have asked for copies of all communications which I am supposed to have received and was informed that as soon as I hang up she would make a request.....

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Further to the original posting

I forgot to mention I did have dealings with the DWP in 2004 regarding an alledged overpayment of Income Support of approximately £1250, after numerous telphone calls I was reliably informed that I did not in fact owe any overpayment of the Income Support and it was in fact an error on there behalf. In March 2005 I had communications with the DWP regarding an outstanding amount for a social fund loan of approximately £300, since this date I have had no contact with the DWP nor have I claimed any benefits whatsoever, in September 2005 I married and moved house but I did go into my local Job centre to see if I was elegible for anything as I was not employed, so I did register with this department and they were fully aware of my change of name and change of address, now after over six years I receive the aforementioned correspondence....Thanks for any help...

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I think the DWP are trawling their old database for potential get money from people.

I had a call last night from the DWP debt agency at 8.35pm

 

I laughed at them having had the case dismissed by one judge (2009)

and then when the DWP went criminal the second judge (2010) found me Not Guilty.

 

My "crime" ? carer's allowance and some sub-set of income support

while caring for my paraplegic father full time in my home

while also bringing up two daughters as a single parent.

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Well it can be as income support is means tested.

So the DWP benefit clerk found something called "Family Premium"

The local council did not give me a council tax reduction even though I was unemployed

and had converted property to support disabled father.

When I pointed out that aspect the judges in both cases lost interest in what the DWP had to say.

 

I only mentioned it to calm the nerves of the original poster that the DWP are currently fishing, including cases they have lost in court.

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It would appear I have a love letter from the DWP chasing the so called debt.

Very annoyed by this as I have been through the court system on TWO occasions.

The first the DWP case was dismissed, the second I was found not guilty.

 

So next week it is off to see my solicitor, try to contact my MP.

 

I think harassment is the actual phrase since the last court appearance was getting on for two years ago.

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