Seem's as if they looking to run heh. I once found part of a tooth in Sainsburys cornflakes, my mother could attest it was a tooth as she was the one to point it out (used to feed the children cornflakes instead of wheat based cereals as 2 of them had a intolerance level so it was easer to get everyone the same thing) many years ago and they offered me a £5 shopping voucher. Someone must have had the muchies, lol.

Lol its 04.11a.m and its one of those 'nights' when my son cannot sleep so continues to 'play' pretty much by himself on the pc which means I get the joy of finding something to do during the small hours - such as reading through the forums and making up silly songs heh heh. I really don't mind his hyperactivity as it is more controlled as he gets older, but I can hear him giggling away as he plays games and its such a sweet giggle. I wonder if the animals will forgive me being late with their breakfast later as surely I might get a couple of hours sleep. So anyone have any more ideas on how to spend time when they cannot sleep for whatever reason...

Hello, The credit scoring system allocates points for each piece of relevant information and added together to produce a score. When your score reaches a certain level then it stays as a ‘good’ or even ‘excellent’ credit score. Credit scoring is based on the history of credit obtained, level of payment history as well as the above as well as age, employment etc thus supplying a reference point for credit companies to predict future performance of supplying credit Certain things can have adverse effect on the credit scores such as if there are several searches done in a short period of time the credit score might drop, Same for debt or default. Different agencies might use various methods to make a credit score so even if there were no debt or defaults of any kind, their system might produce a different rating simply due to using another method when making their own credit score about you.. If a default is cleared you can write to the credit agency and ask them to remove the default after complying with their request to provide evidence that the default has been paid although it might take some time before it is removed from file or shown as being ‘cleared’. You can also query anything you feel might not be correct on your credit rating. Equifax Home Credit Reports: Get your Credit Report from Experian UK http://www.callcredit.co.uk/home These are the three companies that are mainly called upon to provide credit history. Hope this helps some : - )

True JonCris however it also depends on how much that public body can gain easy access to the data requested: If you want access to unstructured information, you will need to describe the information you want so the authority can find it. Although the fee for access to public authority information is £10, the authority can estimate the cost of dealing with a request for unstructured information, and refuse the request if the cost is more than £450 (or £600 if it is central government). I doubt very much they would charge the whole amount but I do think as it is listed on their resources site, they might ask for half of the cost to processing the request? It is not clear what they mean by 'unstructured' so would it mean anything you want that isn't in paper or floppy/disc fformat - such as recordings, is that 'unstructured'?

Dear Mr Debt Man – give us a sign (bom bom bom bom bom) that you are leaving a note to assign (bom bom bom bom bom) a ‘dear sir’ letter to burn on your shrine (bom – yea carry on) with a boot to your greedy behind ....

Wow - good job - plastic surgery at its best lol

Most expensive strawberry in the world? WHAT: Strawberries Arnaud WHERE: Arnaud's, New Orleans PRICE: $1.4 million Erm I think nettle soup might be the daily diet for the next 200 generations after eating that! . @.@

Depends upon what its terms and conditons are really on whether its calculated monthly or daily: this link (Financial Article) gives u a lot of info about how credit cards work: Four steps to find your ideal credit card | This is Money

Heh, Thank you - I just posted because it made my day. Should have put that in the title - what made your day today? We are so lucky, aren't we : - )

I'd say your letter pretty much covers it. : - ) I also see I sent you to the Credit Agreement Letter - typing without thinking - sorry, brain tired, lol. Just a thought, how long have they been chasing this bill - does the one year rule fall into play here?

I would get in touch with motability to see if there is a way out of the contract? Explain how badly this is affecting him and how much hardship is being caused by meeting the payments, the daily running costs and so on. There are other ways available of getting about if having a car is causing a financial mess of which the site for what is on offer is here: Ricability - research and information for older people and people with disabilities Another site which might be helpful, is this: Disability Direct - Frequently Asked Questions Hope this helps.

I was interested when I read this and hope that what I have found might help in finding a solution to the problem. If you let out a property there are legal obligations to be fulfilled before it becomes a ‘commercial’ let. Maybe this is why your son's ex has been refused housing benefit – is this a legal let? The law requires the safety and maintenance of the rented accommodation and its contents to prevent injury or damage to the tenant, neighbours and members of the public. The legal responsibilities of the Landlord for an Assured Short hold tenancy (Landlord & Tenants Act 1985) will include having a Safety Check done on all gas appliances from a Corgi registered tradesman and supplying the tenant with a copy of the Safety Certificate. If the property is furnished then it has to comply with the government’s flammability standards. There are other conditions to be met which may include: legal provisions section 17 Public Health Act 1961 section 4 Defective Premises Act 1972 sections 1, 11, 17, 48 Landlord and Tenant Act 1985 sections 190 - 193, 198, 264 - 265, 604, 606 Housing Act 1985 sections 79 - 82 Environmental Protection Act 1990 Other factors involve landlord insurance, pay-to- let mortgage, having permission from the mortgagees to let out the building and so on. This is a useful site which may help to clarify your position: Landlord's Legal Briefing - LandlordZONE As she was illegally evicted then the local authority have to re-house her, she should go see them a.s.a.p.

Grr they seem to have made a right mess of it. Good luck and hope it all ends well for you.

Hi ya, this is the link to Letter Templates on these forums http://www.consumeractiongroup.co.uk/forum/general-debt-issues/20758-creditors-dcas-letter-templates.html I think you need Letter N