Attachments edited, have email alerts set on my credit file and have had no warnings... Thanks Boo.

Hi evilgumbo I’m in the middle of reclaiming from Shop Direct for 3 accounts (catalogues). I sent my SAR to the address below and specifically requested all the data for all 3 accounts, although they only sent one back, I eventually got what I wanted. Shop Direct Finance Company Ltd Aintree Innovation Centre Park Lane Bootle L30 1SL What they will send you back is a bunch loose A4 sheets of paper. The first few pages will be a chronological list of charges, interest payments etc. You’re looking for code 174G – Administration 12.00. If like me, you will spot it straight away because it’s every month (in my case sometimes I was hit twice). Also look for code 111G, this is hidden PPI payments I was not even aware of! Only one of my accounts had this but it went to 2003 and is worth £2500 ish. As a rough guide, I have two accounts with charges more or less every month for the past few years and one account with very sporadic charges and the total I will be claiming is about £3500 (plus PPI separately). A long way to go yet but…. Good luck!

Hello, as Martin has pointed out, the first thing that you need to do is try not to worry about this too much and certainly don't panic. You will not be going to jail for using an out of date Railcard. Some of the offices at the train operating companies and the agents that sometimes deal with these matters can be busy, so it can take 6 weeks or more for a letter to arrive at very busy times. Hopefully you will receive what is called a 'verification letter' much more quickly than that and it is always best to wait for the letter if you can as you can then be sure that you have the correct case reference number allocated to the report made by the member of staff who spoke to you. The letter will give a very brief outline of what has been reported and will give you an opportunity to put your explanation in writing before any decision is taken about what action might follow. Did you give your correct address and the new one that you will soon be moving to ? I have to say that although it is known that thermal printing can fade over time, Railcards that have been well looked after can generally be read, even when the print has become very feint and the information that is recorded on the magnetic strip on the back of the card can be read by the ticket machines. Putting another card over the dated portion of a railcard will trigger suspicion in rail staff doing ticket checks and if they were to discover the card was nearly 6 months out of date, as in this case, a report is virtually inevitable. If you are likely to be leaving the UK within the next 3 weeks, you could call the customer relations department of the Train Operating Company (TOC), explain the problem and ask them to contact the revenue protection / prosecutions office to see if they can help. Make sure that you contact the correct rail company for the train on which you were travelling as there are a number of different operators that run services on the Newcastle - Durham route. Did the inspector take the Railcard and any other rail tickets from you? It is especially important to try to recall whether there were any other rail tickets that have been purchased at a discount since January that may also have been held in the ticket wallet too. If you have no previous warnings or ticket irregularity matters, the TOC may allow this to be settled without Court action and if you can show conclusively that there have been no other journeys during the past 5 months, they may be particularly lenient, but you will need to be entirely truthful and very fortunate for that to happen. If you genuinely cannot get someone to monitor the post whilst you are away, it might be a good idea to provide the TOC with a mobile number and email address by which you can be contacted.

From what you've posted I would say you had been negligent or careless but you don't appear to have committed fraud in my honest opinion. You have mitigating circumstances which were that your son was ill and you too were unwell Ring or write to HMRC and make arrangements for the overpaid amount to be repaid (they will consider time to pay) I know it's easy for me to say but PLEASE do not stress out over this; making the initial contact is always the worst, but once you've done it you will feel better.. You can't buy peace if mind after all

Use w2w's own rules against them, you cannot be forced to take a job where the travel costs are greater than the wage. Plus the DWP's own rules state that the maximum travel time to and from the workplace is 90 minutes each way, from what you have posted the position fails on both counts, refuse it.

If he is on government benefits, then he only has to pay £1 a month. If a PDL ever takes him to court, a judge could reduce that amount, or even tell him not to pay for a certain amount of time, then to come back to court for a re-evaluation. As for the PDL's taking money from his account, do the following: Write to the bank and tell them that under Regulation 55 of The Payment Services Regulations 2009, you instruct the bank to stop any and all CPA@s on the account with immediate effect. As this is enshrined in law, the banks MUST comply. Do not take no for an answer. Cancel the current debit card by reporting it as lost. Cancel any Direct Debits that he has with the PDL's Write to the PDL and TELL them that you revoke all authority for them to process any transaction on the account. This should secure the money. However, it is worth opening a parachute account so the benefits can go into an untouchable account. The old account can then be sent money as and when bills need to be paid. Never give anyone the new bank details. Forget about how much living costs your son needs. He is on benefits, so he is only obliged to pay £1. If he cant afford that for any reason, then write to the PDL by email or recorded delivery letter and tell them that you will be withholding payment for a certain amount of time. Never phone them. Always deal with them in writing. If they get cocky, tell them to take you to court, where you can show a judge the facts.

Send it twice a week. Make sure you make a token payment just in case it goes to court. The token payment should be £1 a week/month and under law, shows your willingness to repay the debt, and you arent just sending them wild emails/letters as a stalling tactic.

Default on all of them then start negotiation a repayment plan. Rollovers are nothing more than a very easy and free way to make the PDL extra money for absolutely no work or effort. HOWEVER, you will need to report your debit card as lost, cancel any DD's on your account and ALL CPA's ( Continuous Payment Authorities) on your account. THe main reason is because many PDL's have been known to completely strip your bank account to zero balance when they get a hint that you arent going to pay them on time, or you intend to default. You may also need to get a new bank account for your day to day money and use your current one as only a bill paying account. Doing the above will safeguard your money, and put you back in control. If the PDL's try to add on extra charges, you can ignore 99% of them as they are legally unenforceable. Thats why the PDL or a DCA will eventually say they are offering a big reduction in the repayment as a settlement, which conveniently comes to the same amount as the total charges.

My thoughts on the fees listed 1 - Percentage Fee - does this look correct for the original sum they recovered 2 - Mileage Fee - this is capped at £50 but I note it says expected mileage, what you need is the actual mileage 3 - Seizure of Goods Fee - were any goods actually seized 6 (2a) - Auction Inventory & Removal - I note it says "an inventory in preparation for sale and the goods are removed to storage". I would ask what goods & when were they removed - please note there is no claim anywhere for any transport for these goods unless they used their own vehicle 12 - HCEOA Writ Levy Fee - as this claims to be a Fee given to their association ask to see the receipt for same or contact the HCEOA for proof of payment - must admit a new one I have never seen before 12 - Case Preparation Fee - I note it says average time, you could ask for specific time but I think in this case the fee is fair compared with others I have seen 12 - Writ Management Fee - as Case Preparation Fee 12 - Case Allocation Fee - as Case Preparation Fee 12 - Case Management Fee - as Case Preparation Fee 12 - Accounts Management Fee - as Case Preparation Fee 12 - Porter Attendance Fee - was a Porter actually used and if so is this what he was actually paid 12 - Officer Attendance Fee - I note this is for 15 units of time @ 6 mins per unit - 90 mins total, is this the amount the Officer was paid, where is the proof of this 12 - Enforcement officer Waiting Time - working on the principle the Officer was paid at the rate of his Attendance Fee where he charged for 90 mins work, this fee works out pro rata at another 4 hrs 45 mins approx. Does this mean they actually spent in excess of 6 hours for something which I gather was paid reasonably quickly VAT - accepted All the Fees could be challenged by asking for a detailed assessment, however there is always the chance they could be ratified in which case you end up paying more again. All the different Preparation, Allocation etc Fees - it could possibly be argued that are so many actually need or could they have been included with one another, therefore lessening the charge - I would be tempted to accept them. This then leave the biggies - Officer costs & Auction costs - I think they should provide more information on these as said above. PT

J&W..... try here.... http://www.legislation.gov.uk/ukpga/2010/15/section/57