I appreciate the re is a form to fill in but does it actually cover all outgoings etc. This link is a good guide as to the types of things and amounts you can enter http://www.ned-cab.org.uk/debtselfhelp/budgetsheet_m.asp PT

On the 31st January 2008 when HFO Ireland claim to have taken assignment they had no Consumer Creedit Licence to either carry out debt collection, purchase debts, or to act as a creditor, which is what they in fact became by taking assignment. There are different categories of licence and HFO had none of them - nor can they rely on their agents licence - (see Hicks V Walker & Frank Reynolds). In that case both the agent and the unlicensed trader were imprisoned. And the argument about having a licence a few weeks later is also nonsense as confirmed by the OFT - if they "traded" - i.e. purchased assignments - one minute before t

Crimestoppers has recently received a number of enquiries regarding a chain email warning people about a postal [problem] that could leave you £315 out of pocket. This email is a hoax and the information contained in it is not true. If you receive this information please ignore it. The email in circulation is similar to this: " Can you circulate this around especially as Xmas is fast approaching - it has been confirmed by Royal Mail. The Trading Standards Office are making people aware of the following [problem]: A card is posted through your door from a company called PDS (Parcel Delivery Service) suggesting that they were unable

your welcome

I'm part of the trial on this and have been able to access it and recommend others. BUT CALL CREDIT has been up and running for years.

Heres some info:- http://www.tradingstandards.gov.uk/wirral/countycourtindex.htm