Can someone advise please,i have had a date for a first 15 mins hearing from the other side and they are self rep, i cannot attend due to ill health is it possible to send a relative along with a covering sick note from my gp on the day? It is to do with family law . Any ideas what will happen?

me and my ex partner purchased a van together both paying half each,he filled in the form has the regestered keeper and i am the insured person to drive it and the direct debit for insurance comes out of my account. we have split up and he now wants to take the van for himself even though he has his own car because he is the reg keeper leaving me without any transport at all,is he within his rights to do this?

Can someone offer some advice concerning the above checks please,my 19 year old is thinking of working abroad in usa with her friend for the summer period,her friend has had a reprimand for taking something from a shop when she was younger,she was not charged but was repremanded. Now they have been told that these CRB checks are needed they are concerned that this would stop the friend from going.Can anyone advise about this please?

Can anyone help or offer advice please on if i can change a county court date?I attended my local court concerning a charging order to opose it ,i had a representative from money advice with me,someone from the other side (HSBC )also attended but it was ajourned because they had not allowed for the service of 21 days,i have now received another court date and on the letter from court it said ajourned because the defendant (me) did not attend.I phoned the court to tell them this was not correct and was told this is what the judge has written in the file. I am now concerned that this will be a black mark against me .I cannot believe that the judge has made such a mistake ,there was me my partner the rep from money advice,and the first question the judge asked was to the hsbc rep about service,21 days had not been given so she told her to get it right next time and ajourned it,we did not even speak. My next question is on what circumstances would the court accept to change the date and what would i need to do for this?

This is going back to 2005 ,i went to CAB and they sorted it out for me at the time because i was quite ill ,i dont no if there was a ccj or not ,all the papers i have is a form N9A which CAB filled in for me and i signed it is a photocopy sent by DG solicitors (HSBC).I had the loan in 2000 i think,sorry to be so vague i have a mental illness along with servere depression.i notice on the form N9A that cab filled all of it in and i only signed it,its states i admit the amount,i was not told at the time i could dispute the amount.

I have just received the paper work from DG solicitors about an application made to be heard this month ,the letter states that on 24th november before deputy district judge considered the application of the claimant (DG) A-a judgment order given on 29th june ordered the defendant to pay money to the creditor.B-the amount now owing is so much,C-the debtor has a beneficial interest in the asset described below,and the court orders that 1-that the debtor (me) stand charged with payment together with any futher interest becoming due and costs of application.2-the time and date of the application to be heard when a judge will decide wheather the charge created by this order should continue or be discharged. Firstly should i have been notified about the application on 24th november? Also does this mean that my creditor is making this application for a full charging order?if so can i oppose it?can someone offer me some advise please,i have sent my creditor the standard letter asking for the true copy of the credit agreement(it was for a personal loan)i have been paying my creditors monthly payments but made a couple of late payments.

Should i ask DG solicitors for the original agreement and do i handwrite the letter and sign it or type?also is it worth asking DG to write off the debt?

I had a hsbc personal loan in 2000 of 6500,interest added 2390,i made payments for well over a year then i lost my job and defaulted and it was taken over by DG solicitors,i agreed to pay 5 pound per month and have been making payments since 2001 ,because i have been late with payments they have tried in the past with a interim charging order ,i went to court and they did not turn up and the judge dismissed their application at the beginning of 2008,since then i have been paying but sometimes missed a month and paid two months together,i have always phoned them and told them about a late payment and about my circumstances ,i am receving benefits and i am disabled suffering with mental problems,now again i have been notified by DG that they are again seeking a charging order because i have defaulted by late payments.I have asked them if i can reduce my payments and they said only this can be done through the courts.I am going out of my mind with worry and it is having an effect on my mental health,i also have a charge on my house from the legal aid board for ancillary proceedings of over 25,000 and my ex has a share of the proceeds of house when sold ,so i would oppose another charge on my home .I have read some posts about asking for the original loan agreement and also could i ask them to write the debt off?What else could i do in my favour please ?What should i take to court to try and stop this going ahead?If anyone can advise me please ?thankyou:(

Because it was so long ago i have not got the paperwork concerning the loan etc ,how can i get the details of this?and i have been making payments of 5 pounds a month for years ,there have been costs added on and i dont no what for?i have read the link concerning charging orders from another thread but find it difficult to understand.

Have received a court date concerning charge on my house for a loan i had from HSBC from 1999 amount 5,000 to purchase a car,i defaulted on this loan owing to losing my job and then went onto welfare benefits ,have been making minimum payments since then,defaulted a few times owing to my mentel health but made up the payments has soon has i could,for years i have had threatening letters from them and on one occasion they took me to court for a charging order on my property ,they did not turn up and the judge threw it out,now again they are taking me to court this month for the same thing ,i have told them i am on benefits and disabled and cannot see my financial situation getting any better,and even finding it difficult making the 5 pound per month ,is there a possability of me asking them to right off this debt due to my situation?if so is there a standard form i would need to send them (tenplate)?Money advice said they would beable to represent me in court ,any advice would be much appreciated.

Can someone offer some advice please concerning t mobile contracts ,my 17 year old son has entered into a mobile contract with t mobile for 18 months without informing me first ,now i thought you could not have a mobile contract unless you are 18 years old? i have gone mad at him and dont no what to do?he has got 10 months left and cannot pay the monthly bill,i am disabled and receiving benefits and cannot afford to pay also,i am very concerned about what to do can someone please offer some advice .

Hi my son will be moving away from home and starting university in september and he will need to apply for a student loan ,he will be living in halls i think,can anyone advise of financial help he will be able to apply for,i am receiving benefits myself,we both know nothing about what he can apply for so any advice would be great thankyou.

Hi phatram dont understand what i need to do? sorry i am new to all this could you explain again thankyou.

I applied for a capital one credit card on line about six years ago and was making regular payments up untill a year ago ,i can no longer keep up the payments having lost my job and was only managing to make the minimum payments ,i got advice from payplan and they told me to make a token payment a month and write to them and tell them about my situation which i have done ,i am now receiving phone calls every day from them at all hours ,my debt with them is is about 3,600 ,i have seen other threads concerning agreements which are invalid with capital one can anyone give me advice concerning this please:???:

Hi i went through divorce and ancillary proceedings back in 2000 and have a large legal aid bill which is a charge on my house and interest added is 3.78p per day,my ex represented himself and made many applications to court concerning the children and other issues ,every time i had to fight these application with legal help hence my legal bill grew,i was awarded the house and he a percentage which he receives when our youngest reaches 18 ,after the final decision on the house and the legal bill the judge looks at the final legal bill to see if it is fare and can reduce it which he did in my case although not by much,looking back now i had at least three solicitors who were rubbish and what i should have done is dispute there bill,i was not told i could have made representations to the judge concerning these solictors at the time which i believe through there incompetence has added costs to my bill,i cannot look through my case files untill my legal bill is paid and anyway there is a mountain of paperwork ,i did phone the legal aid board and ask them if the interest could be frozen and they said no ,so i have this big bill and never received a penny maintenance for my three children have paid the mortgage etc on this house and he receives a percentage when it is sold at the asking price when sold (not valuation at the time we went to court) so when i have to sell and the legal bill paid and the ex paid and the remaining mortgage paid , i dont know if there will be enough left for me to buy another house for me and my children?