Hi rightsforme, As honeybee says, we're all rooting for you. What you're being put through defies logic to me. There is no beaurocratic rationale that will ever make this situation sound right and fair. I do hope you keep going and I truly hope you achieve your goal of getting well enough for work. As for struggling on the reduced rate of ESA I have so much empathy. I too have been in exactly the same situation where I've had to turn the heating off to help make ends meet. I did find, though, my electricity company quite helpfull. It may be worthwhile looking to see if there is anything they can do for you. Do keep posting and letting

Alternatives if you cannot download MSE are. Avast (free) and Malware Bytes (also free). The former has a real time scanner and has helped me get rid of nasties from many a peeps computers. Malware Bytes is a program you can run a scan on every so often and is also brilliant. Avast also updates itself every day or two without you having to do anything. It will run in the background all the time, and if someone lets a nasty get past it, then you can do a scan. I'll get you the download links if you want Rooster, but you just have to Google them. PS. Avast will do a complete scan of your system as soon as you install it, so make

A/C= Account OC= Original Creditor- Littlewoods There is a bank charge claim form which you could adapt to your needs. Ignore the high court bit as that was for bank charges. That wasn't related to Credit card, loan or catalogue charges. The letter will give you some idea of what to write http://www.consumerforums.com/resources/templates-library/48-bank-templates/111--letter-preliminary-approach-for-repayment this is a link to some debt collector (DCA) letters which you may need in the future Although Lowells are SOOOO easy to see off The Consumer Forums - Debt collectors If you want to really annoy Lowells, send

Hi pinkribbon There is nothing to worry about i had them to come to me last week. I got the same letter just like yours they are only coming out to check that nothing have changed they was only at mine for 15 mins.

Hi Volvo, alerted by CB so dropping in as requested. I've only read this thread fully so will look at B/C one later but here are my comments so far FWTW; 1.They are perfectly entitled to issue one claim form for both debts although it may confuse matters further down the line but that maybe what they're banking on 2. The POC is rubbish & should be defended as such i.e. short, sharp defence, letter to Morgans asking them to amend their POC & then go for a strike out. As CB pointed out, they are also claiming stat. interest - no!! However, as you have submitted your AS, you have time for this - more later... 3. The

If what you have said is true, with the banging on the desk & refusal to stop the interview then there has been a clear breach of the PACE procedure. http://police.homeoffice.gov.uk/operational-policing/powers-pace-codes/index.html Were you given the caution at the start of the IUC? Was it explained to you that you were not under arrest & were free to leave at any time? Ask for a copy of the tape (you should have been given a form explaining how you can do this at the end of the IUC) & when you’ve listened to it, if you still feel the same write a letter of complaint to the local DWP fraud manager.

Agree with that one. Continue with joint action. Any contract between them and the clamping company is out of scope for any liability they might have. AIUI if the court awards against them then they would have to pay the judgement and seek re-imbursement from the clamper.

Standard & Poor's Appoligies if this has been posted previously, but a little bit of interesting reading and some more number crunching here for standard and poors servicer evaluation for capstone jul 2009...

I left CCCS after being with them for 5 years, and took contol of all of my payments myself. Was very ill when this happened, but it was considerably easier than I thought it would be. When they dump you, they will give you a detailed list with name, contact nos, addresses of all your creditors. I took the oppurtunity when I left CCCS to make enquiries on the enorcability of my alleged accounts, be sednign some CCA requests, and now have 5 accounts where I make no payments and more possibly to follow. They are initially helpful when you're desperate and not familiar with your rights and they don't charge for their service, But not

Good try Angel, But money laundering is a bit of a long shot and would not be worth pursuing. Your point regarding the accounting issue is relevant in my opinion because her negligence in providing adequate accounting records for the court shows her disregard for the proceedings. This gives DD the opportunity to prove that her details of the true events are based on actual provable facts rather than the story of the events that her opponent would have the court believe. I think the best new point for the Barristers opinion is my theory on the IOU (I would think my idea was good ) which I posted several pages back and I still be

Also, it will be worth your reading the following thread by pt2537 http://www.consumeractiongroup.co.uk/forum/legal-issues/241827-legal-action-how-start.html HTH

"Nutshells contract law" by Robert Duxbury pages 35-36. (Cost me £8.95) A contract must have "consideration" - something of value offered by each party. Part payment of a debt is not good enough consideration to write off the balance. BUT: 1. Composition agreements. Where a group of creditors agree to accept a partial settlement, none of them can sue for the rest after, because allowing them to do so would amount to fraud on the other creditors. 2. Part-payment of the debt by a third party. They cannot sue you after accepting F&F from a third party because that would amount to fraud against the third party.

Just to reassure you Husky Snow Dog...you can agree DMP's yourself and don't need a third party to do it for you although, I appreciate that some people like the "comfort" of this. I actually approached National Debtline first and wasn't happy with their advice so went it alone. You should never be forced to pay more than you can afford and I'm not sure what CCCS are playing at. There are generally accepted levels of expenditure for housekeeping, tv licence etc etc and you should only be paying surplus income on a pro-rata basis. I did find that National Debtline had a great brochure which gave you these figures and it may be as wel

Hiya, I am not aquainted with the english legal system so until someone else comes along, you need to start reading threads to aquaint yourself with the process this is a good one to start http://www.consumeractiongroup.co.uk/forum/legal-issues/241827-legal-action-how-start.html http://www.consumeractiongroup.co.uk/forum/legal-issues/108467-basic-introduction-consumer-credit.html also look for similar threads: Legal Issues - The Consumer Forums DCA Legal Successes - The Consumer Forums

He's still around luckily Last Activity: 5th January 2010 10:43

Hi westie.... just dropped in to post this for you http://www.consumeractiongroup.co.uk/forum/legal-issues/179069-stebiz-cabot-appeal.html#post1932365 It was on my favorites and its worth a read for you i think as its pretty similar (sorry if you already have found it and read!) Glad your pushing on with lots of the "finest" helpers!! all the best MJ;)