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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.
       
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      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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Help please : letter for iuc for benifit fraud


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Sorry if this is in the wrong place its my first time posting and im hoping someone can help me.

 

This morning I got a letter saying I have to attend an IUC on 10th Oct with regards to my claim for houseing benifit and council tax benifit being fraudulent. It doesnt say anything else on the letter as to why my claim is meant to be fraudlent.

 

In order to further understand this i contacted the benifits office to see what we are getting.

 

I am married with 5 children aged 11, 7, 5 ,3 ,& 7months. My husband works for the village council for 12 hours per week and I help a friend out now and again for a max of 4 hours per week. which makes a total of 16 hours.

 

I help out a friend at childrens parties she does and i get paid in cash which covers my petrol and no more, I do it to help her out and to get out of the house not to make money from but I thought I was doing the right thing by saying I worked 4 hours when I very often dont do that many hours sometimes I dont do any at all which is quite often with everything thats gone on and the fact Ive recently had a baby by c-section and before that had illness due to pregnancy.

 

I did not claim any money during my pregnancy and do not claim any other benifits

 

Having looked at the claim it is all in my husbands name and states he works 16 hours and the amount he get. This amount is what we both get combined working 12 + 4 hours.

 

I was unaware, stupidly, that it is down as all the hours being my husbands and not both of ours. The claim for houseing and council tax benifit is just in my name although the award has on it the 16 hours and the money we get.

 

I have not tried to claim any money but saying we are not working and I really dont know where I stand on all of this tbh.

 

I suffer from depression and after loseing both my father and father in law in the last couple of months my head is spinning and im in such a mess I really dont know what to, Im scared im going to go to prision over this.

 

If anyone can please help me I would be so so grateful.:sad:

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calm yourself down for a start,you definately wont be going to prison,just explain to them what you have explained here and you will be ok,serious,make yourself a cup a tea and have yourself a nice biscuit or something and relax,it will be sorted when you tell them what you have said here.

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thank you for your reply, ive been reading up online and heard people saying they sit outside your house and follow you about and things im feeling scared and upset and horrid. Ive also heard that the interview is horrid and i cant afford legal representation and ive been told no my husband is not aloud to be in the interview with me so im scared of going in on my own.

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