This could become an offence of "retaining wrongful credit" so some way of paying back must be reached. Your daughter is obviously short of money and therefore would be expected to notice such a large amount, and to check where it came from. You mention a "kid policy" which she believed had paid her this money. What is this policy and is she still expecting this money from it? If so she could agree to pay the bank back from that. The other option is to make an offer to repay in installments, though I expect the bank would not want to wait years to recover thier money. I should think that if further action was taken your daugh

They've used the courts for their rpossession order - but I don't think they've got their money judgment (CCJ) based upon what youv'e been saying. I think Sillygirl may have got her wires crossed.

Yes, indeed I did realise that was what you meant Ocelot0411. I assumed that stuckinarut11 is someone coming fresh to the process. It can be a seductive notion for any newbie (it was for me) that it is a fairly informal hearing. I had a sharp, rude awakening once the process got going. Perhaps we could suggest that stuckinarut11 gets along to see a full ET hearing in process down at the local Tribunal offices. They are open to the public, you can sit at the back and see how things are done. 10am start usually. Just have a word with the court staff and pick a case to watch. That might give you an idea as to how a hearing is conducted and

Good morning, Citizen B has asked me to look at the default problem for you. As I understand it WF have placed a default entry some four years after payments ceased and in fact the account had been cleared via an insurance payment. The placing of the default is in my opinion a serious breach of the ICO Guidance on Defaults, in that 'defaults should be placed 'timely' and should normally be placed within 6 months of the cause of action i.e. in this case the date a payment was due and not paid after which no further payment was ever made. This is itself is wrong but when it is considered that the loan was cleared (value of vehicl

And there in lies the problem with most forums. You made a comment as a statement of fact but it is untrue and you yourself admit you're not sure yourself. I would suggest you include 'it is my understanding' next time. Let me clarify. An HCEO may seize goods he finds even if they are claimed as tools of the trade for a sole trader like the OP. It is for the OP to claim them as exempt and for the HCEO to put this claim to the creditor. If the creditor admits the claim, agreeing they are exempt then the seizure is released. If the creditor disputes the claim then an interpleader hearing should be sought where a judge will decide. In

First, contact VOSA. Then get trading standards involved and invoke your rights under SOGA. The simple fact is, if the dealer is unwilling to give a refund, you might be in for a long battle.

Why oh why do these companies insist on giving these age old and silly excuses. It was not the computer, that will only do what someones fat fingers tell it to.

You do need to know what you owe and the Council cannot deny you the information you need. You need to speak to someone at the Council and ask the following questions: 1 - how many Liability Orders they have against you 2 - the dates they were obtained 3 - the addresses they were for 4 - the period of time each covers 5 - how much each one was for 6 - how much is still outstanding 7 - the dates they were passed on for enforcement 8 - the dates & amounts of any payments

This is the letter of denial we sent to ACS. I havn't read in detail the letter you got so edit this to suit and I'm sure you won't here any more. They go after the soft targets (like bullies) so will drop this one like a sack of ****e.

sar goes to HFC dx

One DCA for years had letters signed by THE DOORSTOP COLLECTIONS MANAGER!!

Ask them.

Civea Civil enforcement association http://www.civea.co.uk/ M O J Ministry of justice http://www.justice.gov.uk/ All local authority's are responsible for ALL actions of their bailiffs their are several local Government ombudsman reports confirming this http://www.consumeractiongroup.co.uk/forum/showthread.php?399419-Paid-council-tax-direct-bailiff-charging-fees-what-are-their-rights/page2 As a rule when the bailiff firm is Equita or Ross & Roberts Capita are usually the councils back office provider to administrate and enforce council tax (when you phone your council you could be speaking to a capita emp