One bit of advice I will give you for the IUC, is to explain about your family history, your current illness & exactly what you did with the inheritance. It won't change the benefit decision, but should your case go to the departments solicitors they have to decide whether it's in the public interest to prosecute you....

01246542091 is the phone number to check postal orders

Hi Creme Brulee Welcome to CAG I think you'll find that people hear aren't out to judge folk, only help them get back on track. Other's will be along to advise. What you could do is claim back any Penalty Charges with interest, also have you been mis-sold any PPI that you could claim back. You can claim these back for at least 6 plus. You just need to obtain bank statements. The other thing you could do is send CCA Requests to establish if the agreements a enforceable, if they aren't you could put the credit card account in dispute. All templates are found on this website with spreadsheets.

What's the kerfuffle? Let them post and be damned, I say! Good grief people, aren't there enough of us to send that lot packing? If every time one of Lowest's finest posts to "advise" something which we all blatantly know to be bad advice (you know the drill, contact us, tell us who you are, sign here, here and here), then 10 CAGgers saying: "DON'T DO IT!!!" should be more than convincing enough to see that person see reason, and maybe it will in fact open their eyes to the underhanded tactics of that company. As far as I am concerned, a mutual backslapping self-congratulating congregation is weakened to the outside dangers. It's far too easy to become complacent. As such, I think it's not a bad idea per se to let them post... as long as it is recognised that they do not "work" in conjunction with us. In the same way that we allowed bank workers, PPC owners, bailiffs etc... to post on here, why not DCAs? the better to shoot them down IMO. Kind of them to make themselves known so we can paint a better bullseye. They'll get tired of it soon enough, when they realise they have scored an even bigger own goal than they realised before, and will soon go back to posting covertly, posing as genuine innocent people... and we'll still flush them out quite quickly. Enough of the hysteria. By reacting the way you do, you are giving them the edge, and you are giving them the satisfaction of tearing us apart. Let them post and let's demolish them, as we always have done. Honestly, how many people can you find on here who paid them after seeking our advice? Yep, me neither. ;-) Personally, I think it shows have desperate they must be to even pretend to like us in order to try and entrap people. On a different note, and before more accusations of having "sold out" and "been gagged" and other nonsense, may I suggest some of you do a wee search on the "libel" forum and see what happens when CAG gets under threat, or let me sum it up for you: It doesn't matter how truthful a statement may be. If you, the person, makes that statement, if the person/company complains of libel and the website doesn't take it down, then that website (and its owners) become liable too. It doesn't matter whether the statements are true or not, CAG can not afford to DEFEND any libel action. End of. Sorry if it upsets people, but money talks, always, and the libel cards are stacked against a forum which struggles to meet its running costs month after month in the 1st place. If you want to sound off to your heart's content, then start your own site, rant away and see how long you stay open before you come under threat. Or deposit £15K in CAG's account as a deposit to be used in case of a libel action brought on by your comments, with confirmation that you will meet every other cost incurred in defending such an action, in exchange of which you want the freedom to say what you like about whoever. Yep, sorry to point out the bleeding obvious: freedom of speech is expensive these days. Yes, it's frustrating, yes, it's annoying, and yes, it may even be questionable as to why some people are allowed to post. But where do you draw the line? There are people on CAG, long-time posters, who IMO are a waste of cyberspace and whose advice is as p*ss-poor as any of Lowest's minions, yet they now have a considerable amount of posts to their names. It's down to a few of us to make sure that when they plaster their rubbish again, we encourage the OP to think for themselves and decide what they think is best. I can happily report that so far it has always worked rather well. I see no reason for things to be any different in the case of Lowest. United we stand, let's kick the bstards where it hurts the most, we got pretty good at it over the last 4 1/2 yrs, long may we continue. Vive la revolution!!! ;-) *off soapbox*

Re checking PO's.. I wrote to: Post Office 1 Future Walk West Bars CHESTERFIELD S49 1PF enclosing scans of the PO receipts and got written confirmation of date of cashing of each one. It took about a week. Elsa x

Ring your local court on Monday quoting the court ref no., they should be able to give you details of any court order. If they have obtained it using a previous address you've had you can apply for it to be set-aside.

maybe james would like to comment of the following? a young lady with mental health issues had joined cag and asked for help regarding lowell and a old bank account debt,last payment was 9 years ago.duly advised to send statute barred,sent and received. received the oh no it's not " payment was made"(and these payments allways seem to just be within the 6 year period) despite 4 signed for letters asking for proof of this alledged payment,lowell choose to ignore and continued to bombard with threatograms. continued to call her landline and mobile upto 5 time a day,despite receiving a copy of harrassment by telephone 4 times. so she was forced to change her numbers. she also received a letter from her ex employer regarding the calls from lowell who continued to call them despite being told that she had left in 2004. In desperation she sent me a PM as the threats of court and home visits were making her ill. she had actually told them in one call that they were making her ill,that she had a new partner and he knew nothing about this and was scared that he would find out. the lowell caller stated "pay your debt then" or a field agent will call. we then comprised a letter of complaint,explained how this was affecting her and asked for proof of the payment claimed. this letter was sent to bob collins director of compliance in september 2009 the responce was a letter from lowell who "taking a commercial view and without liability"closed the account. fast forward to 6 weeks ago and a letter demanding payment for the same alledged debt from RED!!!! she responded by sending statute barred letter to red. that was ignored and 3 weeks ago she contacted me again as red were now threatning. we then sent a letter to red containing copies of the letter sent to and received from compliance and asked for a copy of their complaints. sent to head of collections mark allmark at red responded to last thursday we are in receipt of your letter dated xxxx the contents are duly noted,no comments at all on this farce:mad:just please find enclosed as requested a copy of our complaints. followed by the stages that they follow and estimated time frame. this responce was from samantha barnard at lowell???? so james get your calculator out how many breaches here? and lets not forget that the orignal date of last payment..never proven... but made by lowells claim that this was nov 2003....... it is now 2010 slide your calculator across to red. the complaint form will be returned so that one of your highley trained,dedicated officers can resolve this matter. only problem we have is where to send it?

However this may be a moot point right now because you proably won't find a force that is recruiting for the forseeable future. Many already have a 2 or 3 year backlog of successful applicants who are not being given start dates due to the recent budgetary cuts. Good luck all the same. Source - me, old bill for over 20 years and a nationally qualified recruit assessor

I complained to the ICO, then got the info (a big box full of about 20,000 bits of toilet roll) within 5 days even though they never had my signature> The ICO upheld my complaint as well.

well I think my mind has been made up for me time to move on to pastures new-can't believe the forum has descended into complete farce,but there you go if anyone wants to remain in touch,PM me and I'll get back otherwise,bye bye from LTWFB!! It's been good while it lasted