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    • I think a hearing would be better as I didn’t include all the text messages she sent me , I also didn’t want to sound like I was ranting like her claim just tried to prove each of her points wrong ....She got funny when I didn’t contact her for a week while I was on holiday. When I replied I was back She sent a text saying she had contacted the police and was taking me to court. Week later asked for my address , I just ignored her then Next I know my boss is telling me I’ve had a ccj issued against me . Should I have has a letter of intent or would the text suffice?  I am confident I would win but she’s pensioner and comes accross vulnerable she sucked me in.    If I apply for it set aside would I put my reasoning as the court error ?    Sorry if if I sound thick ...  thanks 
    • Yes - NHS bank posts were the original "zero hour" contracts - you only work as and when required to do so.   Whether they count as "work" for benefits etc purposes, I don't know.   Bear in mind that you may never get to a position where you have "regular" shifts.  By its very nature, any bank work can be "irregular".  (I worked in the NHS and knew of bank staff who hardly ever worked).   Keep in contact with the trust's Bank Staff Co-ordinator and make sure they know of your availability and that you are keen to work.   EDIT:  You (probably) have a bank contract of employment, but no start date for working because that will be "as and when required".  There are no fixed hours of working - if any at all.
    • Ha!  I had the opposite problem with electronic prescriptions.  I made one request for a repeat with three different meds, and the GP sent three separate prescriptions to the pharmacy, which arrived at different times.  I ended up making three separate journeys to the pharmacy.  I then reverted to collecting the prescriptions myself.  (I live within five minutes walk of both my GP surgery and the pharmacy).   Ask the doctors to use separate prescriptions and explain why you need that.  Make sure it's recorded on your notes so whichever doctor deals with your repeats will know what's required.   Personally I would not ignore a penalty notice - I'd try to get it sorted out as you are doing.  You might just get away with explaining it as you have done here - ie the surgery mistakenly put two meds (one exempt, one not) on the same prescription and the prescription form doesn't provide for this situation.  Say you paid for the non-exempt one.
    • A vexatious serial CCTV Installation disputer    That would add weight if you can get this back on track and in front of a judge.
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    • My personal experiences of Future Comms 
      Don't touch them owe me £500 since January 2019 make excuse after excuse. Seem they always have software problems sending money out. Keep saying they will call back or email nothing been chasing it now for 6 mths the phone staff always have the same banter we will chase it up and get back to you then nothing!
      • 0 replies
    • Future Comms is a Big Con. How to get out of it. Read more at https://www.consumeractiongroup.co.uk/topic/417058-future-comms-is-a-big-con-how-to-get-out-of-it/
        • Like
      • 4 replies
    • Future Comms issues. Read more at https://www.consumeractiongroup.co.uk/topic/416504-future-comms-issues/
      • 5 replies
    • This is a bit of a lengthy one but I’ll summerise best as possible.
      I was contacted by future comms by phone, they stated that they could beat any phone contract I have , (I am a limited company but just myself that needs a business phone and I am the only worker) 
      I told future comms my deal, £110 per month with a phone and a virtual landline, they confirmed that they could beat that, £90 per month with a phone , virtual landline  they also confirmed they would pay Vodafone (previous provider) the termination fee. As I am in business, naturally I was open to making a deal. So we proceeded. 
      Future comms then revealed that the contract would be with PLAN.COM and the airtime would be provided by 02, I instantly told them that this would break the deal as I have poor 02 signal in the house where I live as my partner is on 02 and constantly complaining about bad signal
      the salesman assured me he would send a signal booster box out with the phone so I would have perfect signal.
      so far so good.....
      i then explained this is the only mobile phone I use for business and pleasure, so therefore I didn’t want any disconnection time in the slightest between the switchover from Vodafone to 02
      the salesman then confirmed that the existing phone would only be disconnected once the new phone was switched on.
      so far so good....
      • 14 replies
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my husband lost his job through redundancy around 13 years ago the we had what could only be called a life changing event and my husband had to stop his new business as he was diagnosed with PTSD. We ended up with £20,000 in debts as we had no money coming in. I raised what money I could and my husband manage to sell all his work equipment as he could no longer use it and after a few months we got the debts down to around £11,000, since we have had to survive on my husbands DLA and over the years he has got much worse and I have been told he is unlikely to recover, we have been paying what we can afford to Moorcroft DCA and Credit Securities DCA for over 12 years now, I am disabled and now with the government cuts and the council is now making us pay 25% of our council tax, that means that the few pounds we gave to the DCAs has now gone my husband cant leave the house very often and because of his condition cannot talk to people or use the phone, When Moorcroft called the other night my husband completely lost control and shouted F*** off at the collector and slammed the door in his face. a few minutes later a scribble on the back of an envelope said my husband was being taken to court with no signature etc as we have tried our best to pay these debts regularly but now through no fault of our own we have lost the ability to pay them, my husband has been in a worse condition since and I don't know what to do or where to turn as I can see things escalating.

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I think you need to tell it more about the dents please.

value and dates

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No expert but as far as im aware a Dca cannot sribble you being taken to court on a envelope as they have no legal power to do so unless they own the debt. If they are just acting on behalf of the OC they can do didly squat!

As bankfodder says more details would be required.

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Hi sorry about that the debts are Credit Security Ltd ( Re Lloyds TSB) £6972.41 (Home improvement Loan)

Credit Security Ltd ( Re Lloyds TSB) £1605.43 (Credit Card)

Moorcroft Debt Recovery Ltd (Re Provident Personal Credit) £2114.30

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Hi Shirts,

I am so sorry for all the problems you have been having over the years and can only say that I Honestly know where you're coming from. Due to my ill health and not being able to work we lost our house, we struggled for many years and everything got on top of us when my husband then had to finally give up work to become my Full time carer.


Again we carried on struggling and eventually through no fault of our own we were issued a section 21 notice to quit our flat because we could not give the landlord a date of when we would be moving out and into a council place as we honestly didn't know when we would be given one.

I couldn't manage the stairs with my disability any longer and we were advised by my OT to apply to the council.. Thankfully someone must have been looking down on us because 2 weeks before we were due to quit we were offered a Disabled flat...


Money worries eased a bit as the rent was less but it still wasn't great so we three months ago went for an IVA.. It was the best thing we could have done, we are still able to hold our heads high knowing that we are still paying something towards our debts but they have all been taken away and we no longer get all the phone calls and letters every day demanding money..


Life is still tight, no room for luxuries but at least we can afford a hot meal every night instead of sandwiches as we often used to have as we couldn't afford to eat.. We didn't want the stigma of Bankruptcy and lose total control of our money or bank account so an IVA was the best thing for us. Everything was handled with care and understanding and everyone was really helpful and are only a phone call away if we need them. We now only have to pay £235 each month instead of the £1,980.+ we were having to find every month... This money is paid over 5 years and after 6 years you are considered debt free and have a clean credit file...


We have a little bit of spending money which means that now due to my health I get what I need instead of having to go without as we always used to have to do. We still have to keep a tight rein on how we spend but it's a lot easier than before and as I said, we can hold our head up..

It would have been easy to go for bankruptcy but I wasn't comfortable with that and although we didn't owe a lot compared to others it was a lot for us and would have taken a lifetime to eventually pay back on benefits.... Hope this helps somewhat Shirts..

Edited by ragsrule

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Hi Shirts and welcome to CAG


Have you sought help with these debts from one of the recognised free services like National Debtline - https://www.google.com/url?q=http://www.nationaldebtline.co.uk/&sa=U&ei=sj-ZUYepBKSW0AXOyIEI&ved=0CAcQFjAA&client=internal-uds-cse&usg=AFQjCNFEd4tBmlVW6QsamGJEiRwU248MQg


They may be able to offer help and advice about your circumstances.


Have you challenged the debts in any way, for instance by sending the creditors a CCA request. You'll find a CCA request template here - http://www.consumeractiongroup.co.uk/forum/content.php?414-CCA-request-letter


Have you kept all the paperwork relating to these debts. In particular, did you receive Default Notices for either debt.



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You are most likely eligible for a Debt Relief Order, a simple and fast alternative to bankruptcy. It would put an instant end to the debt misery - and get rid of Cretin Security,s doorstepper.

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