I've had the same letter today from Tax Credits, asking what both mine and my husbands hours/pay were from April 14-Dec 14. we've had loads of changes in a short space of time so I guess they're just checking. They're asking for payslips etc but my husband hasn't got his, we sent them off for Carer's Allowance and they've still got them. Neither of us are working now (I'm awaiting heart/lung transplant and he's my carer), but prior to this we were both working (me 26 hours and him 39 hours approx). Not sure if I should be worried.

Think I'll give them till next week to sort themselves out and then go straight to the Ombudsman.

Okay, I've done some digging. Tax Credits have not received anything back. They've very helpfully sent me the trace sheets relating to the payments in. Santander say that they sold my old bank account on to (deep joy) Robinson Way. On closure of the account the account was overdrawn bu just over £600 which was due to bank charges (which they refused to cancel, which is why we closed the account). They say on this basis they can not deal with it and I should contact Robinson Way. I've just spoken to Robinson Way. They were quite evasive and asked me to send them a copy of the trace sheets. They asked me if I was going to pay the outstanding debt with the money (that I think they have anyway). I have told them that I would prefer to come to some arrangement with them on a settlement figure. I need that money, I'm under Papworth for heart and lung transplant assessment, and this is really the last thing I need to be dealing with.

Need some advice. HMRC decided we were now eligible for Working Tax Credits which is the first time since 2007. On the phone they said "are your bank details the same?" and I said yes, assuming that they were the account they use every month to pay my Child Tax Credit into. However they paid into an account that Santander closed in 2011. Anyway, HMRC sent me an award notice for the year with 3 one-off payments, on 24/25/26 November and then normal 4 weekly payments starting in December. They've sent the payments to the closed Santander account. HMRC now say that it was accepted by the BACS account, Santander say they haven't got it because it's a closed account. Any ideas how long it should take to bounce back to them and be reissued? HMRC now say that they will do a new award notice but that I should still get the payments (they total over £2000 and I really need them).

EDF installed me a meter back in October last year. I didn't receive a bill until March. I have made payments totalling £96.00 towards the outstanding debt and the ongoing usage. However, in the last 6 weeks I have been diagnosed as having a incurable heart and lung condition, and am unable to work. I've applied for PIP (takes 26 weeks), and I'm currently receiving SSP. The total outstanding is now £546. EDF will currently only spread the payments over a short amount of time. Is there a maximum number of months that they can allow the outstanding to be spread over? I don't want to go back to a pre-payment meter again.

Very interesting, thank you. Immediate payment was ALWAYS taken upon rollover.

Ecxellent news, have been onto StepChange, and they recommend £1.00 per month

Thanks, and yes they did take money from the first payment.

Thanks, I've been worried about this for ages. I was going to send the letters to the head office and copy in the local office (which I round the corner from where I work). Yes, It's £5 each. They can split it however they want between my loans and those of my husbands. I was going to put cheques in for the first couple of months to get the thing started. As to no further home visits, that's an excellent idea. Do I just add that to my letter? I will also specify that no visits can be made to me at work I think. I will also add that no contact should be made by phone, it should be by letter only.

Hi Both my husband and I have loans with Provident and Greenwood. These have been topped up over the past couple of years and are now at a silly amount. Generally I don't ask for the loans, they text me and say that they can do me an extra £xx. I know that it's our own fault getting into this, but when you don't have money to pay bills it's very easy to take what's offered. I've NEVER seen our payment books, but I know that the payments are being made against the accounts as I write a cheque each week. Anyway, it's now to the point where we are unable to pay our priority debts (mortgage, council tax, secured loan, etc) as I'm making these payments to Provident and Greenwood. Basically, I want to write to them (I'll use a template letter) and offer them a token payment. Our credit rating is shot anyway, so that's not really a concern. Do Provident / Greenwood allow reduced payments? our weekly payments (together) come to £246, and I'm going to offer them £5.00 as that's basically all I can afford. When the loans were took out they lumped our income in together with what we get on Tax Credits, Child Benefit and the DLA that we get for my son. I'm hoping to do this today, so any help would be most appreciated. Thanks

Thanks

We had a suspended possession order made on our home a couple of years ago, and I have now paid off the final amount of the arrears (December). I have spoken to Mortgage Express who say that the possession order will sit on the mortgage account until they chose to remove it. Is this correct? The arrears are settled completely and we are now back to normal monthly payments.

As in stop replying and just ignore, or stop replying and just pay x

I have had 2 letters. One from Wescot threatening a Doorstep Collection visit, apparently they know of no genuine reason why I have failed to pay (I would say no response to my CCA request, but there we go)., this was dated 19 June. The 2nd letter was from Credit Security saying that they have been instructed, and I should contact them by today. I have emailed both Wescot and Credit Security stating that I have no intention of paying until they can find the CCA, and that my cat has more right to enter my property. Should I just await their response?

I'm filling in a form to send back to the Council following their letter "Intention to Levy Distress". I got myself in a muddle, knew I had arrears, thought I was paying them and it turned out I was paying a different year to what I had thought. Anyway, what would be reasonable amount to put for food/toiletries for a family of 4 (children 9 and 11). I know what I spend in Tesco, but sometimes that can be as low as £40 if that's all I've got. I know the CAB used to have guidelines stating what would be thought of as reasonable amounts. Thanks