Fludro, you are where I was almost exactly two years ago. I hope it won't sound crass to say the difference is that I hadn't committed fraud but the facts remained; following an IUC the DWP proceeded with criminal charges and I had to find a way to survive (which might sound dramatic to anyone who has never been through similar) the two year period from the initial IUC until just a couple of weeks ago when charges were dropped, just a few days prior to Magistrates Court, after my appeals were upheld in full at a tribunal in June. I won't bore you with the whole story, there's still a summary of what happened on here somewhere and you'll rea

Yes, that sounds fine to me. I'm not sure what else you can really say, especially if you have not received much detail about the claim. I would actually be tempted to delete the bit about the goodwill payment since the courts are very clear that they do not look at whether or not there was a settlement offer to determine whether there is a valid claim, but I don't think it is particularly damaging either so up to you. Ultimately I think this just comes down to whether the judge, on a balance of probabilities, believes you that £1,100 was agreed as the price up-front or whether he believes that the price was only meant to cover t

Can you please clarify the following.. You state you opened a new account in Sept 08... however, this claim is for a personal loan... Restons state a payment was made in Sept 08 of £1.00. Who is named on the claim ? Is it a P/L or an Overdraft ? What does the account number refer to?