Hello, Some great advice from my fellow team compadres has been posted up. If you've taken time to read through the site you'll see that we have scores and scores of people having significant dificulties with MMF. Quite frankly, they are the worst DCA I have ever had the misfortune to come across - and I work in the industry. When dealing with any creditor it is important to offer what you can realistically afford, this could be as low as a pound per month. If you were to try and negotiate payment you should always submit a financial statement to reinforce the fact that your offer is fair. If you have a number of debts then Citizen B's suggestion of a Debt Relief Order could be well worth looking into. They are very powerful, easy to set up and will have you debt-free in a year. Here are a couple of other useful fact sheets for you: 1. Harassment: https://www.nationaldebtline.org/EW/factsheets/Pages/03%20EW%20Harassment%20by%20creditors%20and%20debt%20collectors/Default.aspx 2. Complaining about a lender: https://www.nationaldebtline.org/EW/factsheets/Pages/34%20EW%20Complaining%20about%20your%20lender/Default.aspx We're here to help, you've come to the right place. Seq.

ok, suggested letter to PCF, address to compliance manager, head with agreement no, car reg and FORMAL COMPLAINT send recorded delivery----- I write in response to the Data Subject Access Request (DSAR), reference the above account, that you have supplied to myself, which was received on xx/xx/xx. I have now thoroughly examined the contents of the DSAR, the result of which has given rise to a matter of grave concern. As you are well aware you repossessed my vehicle, registration number...........,on May 22nd 2009 from my father's private property. You will of course be familiar with Section90, Consumer Credit Act 1974,(s90CCA1974), and repossessed in full knowledge that under s90, my having paid more than 1/3 of the total agreement, the vehicle was in fact Statuatory Protected Goods, which could not be repossessed without you first obtaining a Repossession of Goods Order, or with my explicit consent. Contained within your reply to my DSAR was a copy document, dated 13/5/2009, headed Voluntary Surrender (VS), which was allegedly signed by myself on May 22nd 2009. I can catergorically and unequivocally state that I have NEVER previously had sight of this document, and furthermore the "signature" that it bears has no resemblance whatsoever to my signature. This statement is fully supported by evidence contained within the DSAR. The VS document was produced and dated 13/5/2009 and was obviously forwarded to your repossession agents to obtain my signature since there is no mention whatsoever in the DSAR narrative that this document had been posted out to myself for signature. Furthermore, again in the narrative, there is no suggestion that I was in anyway contacted by either yourselves or your agents between 13/5/2009 and 23/5/2009 (post repossession) in fact, quite the contrary. Therefore in order to have signed this document on 22/5/2009, I would have had to have been present at the time of the repossession. I was not present, in fact, the first I knew that the vehicle had been repossessed, was when I returned home from work that evening. My signature has clearly therefore been fraudulently added to the VS Document, by either one of your repossession agents or one of your employees, (any of whose actions you, as a company, bear full responsibility) in a clear and blatant attempt to circumvent your responsiblities under s90cca1974. My consent for the VS of the vehicle was NEVER given. In addition the keys and vehicle documents were not handed over, again evidence that the vehicle was taken without consent. I further note your narrative from the DSAR on 22/5/2009 when you state "surely we can get the keys out of the father/hirer", yet more conclusive evidence that the vehicle was taken without consent. I now turn to the statuatory implications of your company's actions, and I therefore DEMAND- -1) That with immediate effect you repurchase and cancel the balance of my account that you assigned to GoDebt Co.uk. and 2) under the remedies afforded to me by s91 CCA1974, I DEMAND that you now repay to myself, my deposit in the sum of £1250, all payments made by myself to the account £1674.12, and the proceeds from the sale of the vehicle at auction £950, in total £3874.12. In view of the extreme seriousness of this matter, should you fail to accede, without delay to my demands, I will not hesitate to forward complaints to the appropriate authorities, and send a full report on this matter to the Financial Conduct Authority. I trust that this will therefore be dealt with as a matter of urgency, and I look forward to your early positive response. Yours etc.....

I have asked someone on the site team to look in and advise - please be aware that they are volunteers and most have day jobs so it might not be until later today that you receive a response. In the meantime, can you please advise if all interest has ceased on the PDLs ? Do you know if there have been any default/penalty charges applied ? What is the total of debt you owe to ALL your creditors ? If under £15,000 in total it might be in your interest to enter a Debt Relief Order - if you have no significant assets, then you would most likely be debt free within the year. Have a word with National Debtline - details below, whilst you are waiting for caggers to look in and advise https://www.nationaldebtline.org/EW/Pages/default.aspx Call us free on 0808 808 4000 Monday to Friday 9am to 9pm Saturday 9.30am to 1pm

If they want some money then they have to produce some evidence of a breach or evidence of the formation of a contract. their sign doesnt really do either. By staying more than 90 minutes tou agree to pay £100..... To whom? A counterargument is that you did pay £100 to your spouse as it didint specify who should be given the money. write to them stating that you wish to appeal as the signage is too ambiguous to form a contract-dont say why, that is their priblem if they hope to get anything. they will then have to either accept this argument or issue a pOLA code with their denail of your appeal. If there is no POPLA code then you complain to the boss of the BPA (copy to ANPR) saying that ANPR are up to their tricks again and have failed to provide the POPLA code and as such they have breached the requirements of the PoFA and as such you expect the BPA to tell them to cease any contact with the keeper of the vehicle and to take the matter up with the driver, who you decline to identify. I bet you get a POPLA code then. .

All patients with a diagnosis of cancer are entitled to free prescriptions. The exemption covers ALL prescription drugs, not just the ones related to the diagnosis. The exemption lasts for five years. Your Mum will need to get a FP92A form from her GP or Consultant, fill it out, get their signature and then send it to NHS Business Services Authority (BSA) Sometimes the GP surgery will do the sending off bit. Your Mum will be sent an Exemption Card, which she must present at the time she presents prescriptions to any pharmacy. Ask her to keep receipts for any prescriptions she has to pay for before she gets the exemption card. Pharmacies have a special receipt (FP57 form) that they use for this situation and she will be refunded the charges once she has the proof of exemption (the card) I don't think I can post links here yet, but Macmillan and Cancer Research have good, reliable information in a sensible and understandable form for everyone who is either diagnosed or looking after someone with cancer. All the best.

This explains some issues: http://www.hmrc.gov.uk/inheritancetax/pass-money-property/pass-home-to-children.htm and this: http://garsideandhoy.co.uk/08/the-danger-in-handing-over-your-house-to-your-children/

Hello there. I'm sorry you're having to post about such a depressing topic. I have the same thing with my mother atm. My understanding is that if you sign a house over to someone in order to claim benefits/avoid tax, you have a problem. If trying to claim from a local authority, I think this would be viewed as deprivation of capital. The last time I was trained on this, which isn't recent, the local authority could reduce what they paid towards care to allow for the capital they assumed the person claiming for care still had, as if they hadn't given it away. I think this is worth checking out. HB