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    • Mitigation is used as a plea for leniency, how can you mitigate something you have not done wrong?  I wouldn't use it as a term in a WS as it might give the judge ideas that you are admitting to something.
    • Thanks, @FTMDave for your feedback, I will take your points on board. I was using the title "Mitigation" in an attempt to convey how reasonably I have behaved, and how stubborn and overzealous (i.e. unreasonable) the claimant and their solicitors are. Any suggestions for a more appropriate title ? Cheers --skeet23
    • Hi guys   4 old debts (catalogues) have been sold to Lowells, I requested copies of credit agreements and received them this week.  I also received a notice of assignment from them for an old Vanquis account.  I need to pay these debts off but don't want them touching my bank account so was thinking of setting up a standing order.  I guess I will have to send them details of income and expenditure.  My question is, do I need to give my husband's details?  We are not really getting on at the minute and this will be the last straw for him so I would rather just leave him out of this.   Many thanks for reading x
    • I am unable to get credit of any description, apart from a payday loan with expensive Provident.   I have 3 accounts, 2 with Capital One, the other with Vanquish.   These 3 do show late repayments, but Capital One is showing partically settled in September 2018 and Vanquis settled in full in December 2016.   The main issue I had is with NewDay Ltd.   I notified NewDay that my disability living allowance was stopped after I had my review when I went to transfer over to PIP.   NewDay were sympathetic, and agreed to place my account on hold, freezing interest and payments etc etc.   On the 4th May 2018, I received a letter from NewDay; theyagreed that due to my financial issues, they would no longer chase me for payment.   Soon after, a default was issued with with credit reference agencies that the account default with a default date of 12th June 108.   Why then agree to not chase me for payment then issue me with a default seems to me to be grossly unfair!?   I did a Notice of Correction on my credit file to show lenders that my account was on hold, and they agreed not to chase me for payment.   Can anyone please give me some advice?   I have a good income of £1100 a month in benefits income, and I state on applications I am retired.   I am initially accepted for credit, but they then go to the CRA's, I am then declined.   Its frustrating I can only get a loan with Provident.
    • Sorry, I don't think I explain my case correctly. I'm the guarantor for a friend that rented a shop. My friend couldn't make rent repayment and the landlord terminated her contract. Now the landlord (claimants) has taken out the claim against me as I was the guarantor and is responsible for my friend's debt. When I first  became the guarantor, I signed an agreement with the claimants. ( 1st agreement) A year later I had a meeting with the landlord to discuss my debt situation and told them I was struggling to make repayment. They agreed to give me a debt deduction and other terms, so a new agreement was drawn up (agreement 2). to replace the 1st agreement.   In 2016 I received a warning letter for late repayment. No further warning letter or contact has been made by the claimant since 2016 so I was shocked when I received the money claim.  Claimants have only attached the 1st agreement with their claim form and they denied there was a 2nd agreement. Now they have submitted their final witness statement and attached the 1st and 2nd agreement. Proving the 2nd agreement does exist.   My question is; 1. How important is it that no letter before action was sent before I received the money claim? 2. Now there's proof of a 2nd agreement which was signed and dated after the 1st agreement. Does it prove that the 1st agreement is invalid? 3. Would the court dismiss this claim if they believe the claimants have submitted an invalid agreement for their money claim?    Thank you. 
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youlsey

DWP debt from 2008

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i have received a letter from the DWP and after phoning found out that it was a social fund crisis loan debt from 2008 for around £700.

 

can they still chase this after so long??

 

i recently moved and are not now eligible for HB because of our lower rent, so i think for some reason it's now flagged on their system.

 

but the debt is so old and now they have sent a letter to my employer for a DEA.

 

any advice would be great.

Edited by honeybee13
Typo corrected

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now NOT eligible for housing benefit.....it won't let me edit my original post

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I've edited the post for you.

 

Have you asked for proof of what you owe and the amount they say it is?

 

HB


Illegitimi non carborundum

 

 

 

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I got one for about £108 last year, The debt they claimed was from 1981

 

They couldn't tell me what it was for, Only that i owed it and had to pay it

 

The following week it went direct out of my wages

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they claimed on the phone it was many small social fund loans back in 2008.

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Other people know more than I do, so please wait for more views, but I think it could be worth investigating this to make sure it's right

 

HB


Illegitimi non carborundum

 

 

 

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cool, thanks

 

i'll get back to them on moday when their lines open again.

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cool, thanks

 

i'll get back to them on moday when their lines open again.

 

The debt will be flagged up against National Insurance number, so you need to contact the Social Fund number to see what they have registered. At some stage someone from Social Fund has recorded a debt owing.

 

If you know nothing about ever having taken out such a crisis loan or any loan from a Government department, it could be a mistake e.g someone has typed in a wrong National Insurance number on a form at some point.

 

Government debts have no time limit.


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no time limit...dammit.

 

but they did mention in their original letter about a debt collection agency?

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no time limit...dammit.

 

but they did mention in their original letter about a debt collection agency?

 

Yes Goverment do use DCA's but the debt will be collected one way or another. I have seen cases reported online where Government is collecting a debt from over 20 years ago.


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go do a free sar on the DWP website

put them to strict proof


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thanks for all your help...i'll try the SAR.

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