No problem! I think Carlisle might be slightly north and east, but they do cover most of Cumbria TBH. Certainly cover the likes of Kendal, Cockermouth, Whitehaven and Aspatria. If they cant help, they almost certainly can point you in the right direction. If you have no joy with them PM me - as I work in the sector I may be able to find something out for you with regards who covers Carlisle specifically.

Sent you a PM to look through. It is my defence.

Welcome financial services Compliance Department Ruddington fields business park Ruddington Nottingham NG11 6NZ 07/02/2010 My Ref: PPICLA1 ACCOUNT NUMBER 3333333 Re: Complaint and request for return of Payment Protection Insurance premium and contractual interest. On the 00/11/2006I took out a secured loan with yourselves to the value of 8000 with total insurances of £2,856.72. When I took out the above loans, I signed for Payment Protection Insurance [PPI]. At the time I was experiencing some short term financial difficulties and I was told that I could not have the loans unless I agreed to t

go to the magistrate court that issued the enforcement tomorrow and tell them you want to make a formal complaint against the bailiff make them fully aware that you had to call the police and that you have taped most of the conversation as you were shocked that a bailiff could act in this manor when employed by a magistrate court ask for the name of the court manager send your complaint to him/her include the complaint letter you send to marstons i believe marstons have an agreement with the courts to accept payments over a 6 moth period while your there ask them for a copy of there fees for enforcement and there complaint p

Hi Yeats Sorry, should have said I meant supasnooper on the site team. Try the red triangle to give your thread a little bump to the mods and hopefully Snoops or one of the others will take a look when they get the opportunity. Reading your posts again its almost as if the DJ is pointing you to CPR and taking a firm position for strike out but waiting to see if you make the right move within your defence. Gez

It can be risky if you loose. There will be mega costs involved if the other side defends. They register defaults because there has been a default. Whether that is just or not, is a whole topic by itself. If there was no Default and they registered one, then there would be a perfect case to get it removed without risk. An agreement being unenforcable, does not mean that there was not a relationship and that a debt did not exist, it just means that the OC cannot use the court system to force you to pay, unless money was not borrowed, then that again is another matter. The creditor can register the default and can update that def

I would endorse the comments above about getting some good legal advice. The major issues are - 1. The CCJ which you were not made aware of. 2. The interim charging order which prevents you disposing of your property until it is either dropped or made final. 3. Whether by coincidence or by design an unsecured debt is being converted into a secured one. And this is happening just prior to a petition for your bankruptcy - which means primie facie that it won't be included in your bankruptcy [if the petition is successful and there is no evidence to suppose it won't be]. You have been caught in a particularly nasty trap I'm afrai

I did the letter from spec...feel free to add anything. Ok hope that helps Keep us posted on how you get on.

ok questions time. 1. give me the judgement figure on the original ccj that you had to pay £10PCM for 2.have you always been paying to the OC and NO-ONE else? 3.give me the name on the judgement to whom you had to pay 4. in post 7 you mention the joining of two A/C's, pardom my understanding, but i take it this DID NOT happen, butthe judge order you to continue £10PCM? what date was this? general bits: NEVER EVER talk to a DCA on the phone, demand every thing in writing & NEVER EVER call them yourself. the DCA CANNOT use a CCJ taken out by an OC against you, they must BE NAMED on the judgement, it's

Hi Fuzzgin, sorry if I'm sounding a little thick! Am I right in drawing the conclusion that you currently receive no benefits? If that is the case then I would have thought an application for ESA would be in order given your health. I think your question is can your current work be classed as permitted work if you apply for ESA? Sorry I don't have the answer for that but wanted to clarify so others might. You should have received a leaflet and info about permitted work if you have requested it. I think it is geared up more towards someone already on ESA who is then trying to do some work as a means to eventually reducing benefits.

I will come back with further advice but in the meantime it's VERY VERY important that you establish if she was. is or was ever entitled to any other benefits which she failed to claim All too often people are accused & in to many cases found guilty of benefit fraud when in fact there has been no loss to the public purse because the accused has failed to claim other benefits to which they had been entitled sums which may even exceed the amount claimed to have been defrauded. AND if there is no loss to the public purse their is NO benefit fraud The disgraceful thing is that the DWP are fully aware of this (having lost just such a

Hi Pipster Only just found this thread. If I was in your position I would do one of two things either nothing at all or write back to Restons 'without prejudice save as to costs'. I would say that they are obviously aware that the DN is defective and does not allow the required number of days for remedy and this fact alone will be a strong defence. If they are prepared to offer to withdraw before the hearing on friday and they suggest that each side pays their own costs you will consider the offer. Failing that you will meet them in court. Get some other opinions and then decide. I have had a quick catch up on the thr

Now she knows the error which she has made, she should inform them of her change of income without delay; this will work in her favour. The size of the penalty would depend on a variety of factors: how long she has been claiming while earning in excess, how much benefit she has received that she was not entitled to, whether they feel she has deliberately defrauded the benefits system or it was a genuine error, and if she did deliberately defraud whether the motivation was out of desperation and need or whether it was out of greed. These are all things they take into consideration. An IUC is not always the scary thing it is made out to b

CCJ's are not appropriate for CCA request since they have been dealt with by a court. All other unsecured debts, send CCA request with £1 postal order by recorded delivery. 12 + 2 working days for delivery, the a/c's can be put into dispute if the CCA has not been sent. If you do get any documents sent you can post them up for checking by other forum members. If payment is due in the meantime, the recommendation is to make that payment but ultimately this is your decision. Hope that helps.