They cant do this. Will deflation mean student loan pays me interest? | This is Money Have you asked for your money back yet?

http://www.aib.gov.uk/MainNav/Services/Legislation/accesstobankruptcy/Debtorsapplication/Lila My wifes was signed off in 7 days, and will be discharged soon, best £100 I ever spent. Advides the debt hounds that wife was bankrupt and pointed them to the AIB. Then next step is to see a FREE accountant (Wylie Bissett are usually appointed) and they HELP you and tell your creditors to cease and desist. Then your back to being happy. As for student loans the 'cost of living' fell this year, and that means that Student loans have to PAY you as they base their interest on the cost of living index. So go AIB and Check out Will deflation mean student loan pays me interest? | This is Money And its set to be a good summer. Furthermore if you were a bank and had ran out of money the government would have shoved money down your throat, so dont feel bad about it. Furthermore if you were an MP youd charge your consituents for yoyur Husbands Grumble Films. You were skint, are skint and thoise who are getting help see it fit and proper to chase you, not your fault, go get help.

An email carries the same weight as a letter thats why companies have disclaimers beneath the email footers, as many a heated email has got a company into bother...

Sir, 1. The police need reported for this, assault is NOT a caution 2. A 'restraining' order can be sought to prevent the landlord coming anywhere near your sister or her family, even if she is ON the landlords property. 3. Breaking a restraining order is a criminal offence. 4. What kind of landord does this sort of thing, here in Glasgow its generally the Asian landlords extorting money out of their own unfortunate immigrant families that is the cause of many of these 'reports'.

They suddenly stopped dealing with me Debt recovery agency 1st Credit loses clients after OFT rebuke - Times Online Its all went Pete Tong for them, as they were really rubbish and wrote transparent threats that Nigerian 419ers could have put across better. Quote: HBOS and Citi Financial, part of Citigroup, have dropped 1st Credit, the debt recovery company that was reprimanded by the Office of Fair Trading (OFT), after criticism over its approach to debt collecting. The OFT said its investigation revealed the company had failed to meet “satisfactory standards” and 1st Credit was ordered to stop using unfounded threats of bankruptcy to recover money. It must report to the OFT every six months, giving details of the number of enforcement actions it has taken against debtors. If it fails to comply, it could be fined up to £50,000 and have its consumer credit licence revoked. I bet Najib Nathoo is STILL the director and on the Board of the CSA, when are this lot ever going to die off

The CSA Board and the Board of 1st Credit have one member in common ::: 1st Credit ::: They removed the page ..... As its kind of incriminating, never mind I shall tie em back up using my magical power of 'Internets' WoooOoooOoo!!!! Najib Nathoo As seen here: BBC NEWS | Programmes | Panorama | 1st Credit statement and http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/194037-najib-nathoo-fit-president.html Yep, its like Jacqui Smith good ol Najib is writing the rules, breaking them and cares not a Jot. Think you should tell em to go and stick it if you get a letter from them as there is a clear issue under seperation of duties and their conduct reflects badly on the CSA.

Interesting article on Wikipedia, even quotes 'Scotcall' as doorstep collections in Scotland are illegal. And I quote: Trespass (Scotland) Act 1865 From Wikipedia, the free encyclopaedia Trespass (Scotland) Act 1865 1865 CHAPTER 56 28_and_29_Vict An Act to provide for the better Prevention of Trespass in Scotland. This covers : "Premises” which shall mean and include any house, barn, stable, shed, loft, granary, outhouse, garden, stackyard, court, close, or inclosed space: And Roads other than a waterway; or without prejudice to section 100© (damage to roads by fire) or 129(4) (camping in a road) of the Roads (Scotland) Act 1984, a road within the meaning of that Act. Essentially this means that if you have your own property or private road in Scotland the law of Trespass is stricter than that of England. The exact wording for this is as follows: Every person who lodges in any premises, or occupies or encamps on any land, being private property, without the consent and permission of the owner or legal occupier of such premises or land, and every person who encamps or lights a fire on or near any . . . F1 road or enclosed or cultivated land, or in or near any plantation, without the consent and permission of the owner or legal occupier of such road, land, or plantation shall be guilty of an offence punishable as herein-after provided. The punishment is as follows: Every person who commits any offence against the provisions of this Act may, if found in the act of committing the same by any officer of police or constable, be apprehended by such officer or constable, and detained in any prison, police station, lock-up, or other place of safe custody, and not later than in the course of the next lawful day after he shall have been so taken into custody shall be brought before a magistrate; and every person charged with the commission of any such offence may, if not so taken into custody, or if he shall have been liberated on bail or pledge, be summoned to appear before a magistrateand every person committing an offence against the provisions of this Act shall be liable, on summary conviction, to a fine not exceeding level 1 on the standard scale.] This is debatable as essentially video evidence of the same should suffice as long as it is reasonably evident that the crime has taken place. Of note here is that fact that it is a CRIME and not a CIVIC matter in Scotland. As such the hearing is prescribed as follows: Every prosecution for an offence against the provisions of this Act shall be raised and proceeded in at the instance of the procurator fiscal, and shall be heard and determined by one or more magistrate or magistrates in a summary form; and every such prosecution shall be commenced within one month after the offence has been committed. A recent example of the law being used is as follows: Companies such as Scotcall who are debt collectors in Scotland are currently finding themselves in dispute of this law, as they are a doorstep collections company, and cannot use collectors with a criminal record. Therefore their current method of stating that an agent will visit after 7 days is not a suitable method of arranging an appointment and is in fact an intention to trespass. Retrieved from "http://en.wikipedia.org/wiki/Trespass_(Scotland)_Act_1865" --->>>> So if they send you a letter its an intention to Tresspas and then they do trespass by standing or 'enacmping' in your doorway, video them of even better call the police.

I owe less that £3000 to citi who moved the account to 1st credit and then sent me out a letter saying they will send out a Statutory Demand in terms of the Bankruptcy Scotland act 1985, Section 7(d). What they fail to realise is that in Scotland you can only be made bankrupt if the following are satisfied: 3.3 What are the conditions for making someone bankrupt? You can ask the sheriff to award bankruptcy against a debtor if: they owe you at least £3,000, including any fees, charges and interest added to the original debt; or you apply for a joint petition with other creditors provided the combined debts are at least £3,000; and you have sent them a copy of the Scottish Government's Debt Advice and Information Package - you must have sent this at least 3 weeks and not more than 12 weeks before you make your petition; and the debtor is apparently insolvent. When someone is apparently insolvent they appear not to be able to pay their debts. The sheriff will require evidence to support this, usually an expired Charge for Payment or Statutory Demand. The evidence you provide must show that apparent insolvency was constituted no more than 4 months before the date of your petition. ---> http://www.aib.gov.uk/guidance/publications/debtbankruptcy/bankruptcypostapril08/creditorsguide/Q/EditMode/on/ForceUpdate/on/Page/9 Therefore should I ask for my bank charges back (which will lesen the amount) and then ignore 1st **** as it would not be profitable to drag me through the courts?