After reading all the advice here I decided that it's probably in mine/my partners interests is to inform them as I wasn't sure about the change of circumstances/phone call malarkey. Anywho I rang them he made the changes to our account and said it will be 4/6 weeks and I will get a revised tax credit notification and we will be still entitled to them since my partner is working over 30 hours and payments will continue at the same rate until the revision is done and will then either go up or down. Thanks for all the sound advice .

Hi all I have a couple of question about mine and my partners WTC claim as we are new to claim WTC. My partner works 33 hours a week at NMW and I worked 15 hrs a week but my contract came to an end at the end of November, we have been claiming WTC since April. I have checked entitled to website and says we are still entitled to the same amount of WTC. Questions are do I need to inform the HMRC of the change of income even though they won't be a change in amount received or can I just wait till the renewal forms in April? Is they any negative effects of not informing them and waiting on the renewal? Also on to the question of renewal our income for year 15/16 will be lower than 16/17 so on the renewal forms can you put down how much your going to earn for the year 16/17 instead of going off the years 15/16 income? As it is going to be about £5,000 less for the year 16/17. Thanks for any advice.

Hi as far as i know he moved from his previous address got in to some finacial difficulty and stopped paying for the contracts. Guessing this now got sent to dca and its spiraled from there.

Hi all my dad let me know yesterday that he had got some forms from the court and didn't know what they were for had a look and it seems they are taking him to court the forms are dated 19th November. After reading the form and speaking too my dad it seems the debt was incurred when he moved house approx 3/4 years (so not statute barred) ago and stopped paying the mobile contracts he had with Vodafone as their name and an account number is under particulars. He told me he had been getting letters about the account but he just ignored them hoping they would disappear (daft i know) and he has binned them all so i can't review any of those. The original debt was for £646.84 claiming 8% interest since 28/03/2013 = £33.32 so amount claimed is £680.16, court fees £55.00, Solicitors Costs £70.00 = Total amount £805.16. What do you guys think he course of plan is? He isn't denying hte debt just the extra fees are not ideal and he doesn't have the £800 to pull out in one sum. Never had to deal with these papers i.e filling them in so any help would be appreciated. Many Thanks x

Oh well hopefully i hear nothing else now Thanks for all your help been really really great x

I have not yet i will do it however after i have updated this post. --------------------------------------------------------------------------------------- Recived a letter this morninf dated 3/1/13 saying. Dear Mr, ***** We are in receipt of your recent complaint, the basis of which is that it is your opinion that "...the alleged debt if it were existent would be statue barred..." We write to advise you as per our client's instruction, we have closed and handed your file back to them. Should they wish to continue to discuss this matter with you, you will hear from them shortly. However, any further correspondence with regards to this issue should be directed at them. This is our Final Response. In event that the contents of this letter do not satisfy the issues you have raised, there is an escalation process available through the Financial Ombudsman within 6 months of receipt of this letter. Yours sincerely, for Regal Credit Consultants Limited Victoria ****** (Hand Printed Signature) Collections Researcher. We would be grateful for your feedback as to how we have dealt with your complaint; this can be provided to us via the following web page: http://www.regal-credit.co.uk/survey/ ----------------------------------------------------- Guessing they had no leg to stand on? And either NWL or Regal were telling a bunch of lies about a CCJ. So what do you think will happen now?

Just a small update recived a letter this morning date 28th December 2012-: Dear Sir, As you will already be aware following our initial response, we are in reciept of your letter of complaint. We write to advise that the details of your complaint are currently being investigated, and we will provide our final repsonse as soon as we can. Yours Faithfully, REGAL CREDIT CONSULTANTS LIMITED Collections Department -----------------------------------------------

So my guessing is they are now going to contact the company and find out when is the debt from? And if they have a CCJ outstanding (Which i know they have not). I can't really make heads or tails about the complaint as i am refusing to pay it as it is statued barred.

Ok letter was received on there part on the 12/12/12, received a letter this morning dated 13/12/12 saying the following-: Dear Sir, We are in receipt of your recent complaint, either directly or otherwise, and we are sorry that you have felt in necessary to take this course of action. It may be that the cause of your complaint is beyond our control, however in the event of there being an issue with our processes or training we will identify and address this matter. We define a complaint as 'any expression of dissatisfaction involving an allegation of (a) actual or possible loss, (b) material distress or © material inconvenience, resulting from actions we have taken on behalf of our client and from, or on behalf of, and eligible complaint'. Upon receipt of a complaint the details will be recorded on our database that is monitored for trends. If necessary we shall inform our client of the details of your complaint and the outcome. If we can respond to your compliant immediately we shall do so. It may be that we need to carry out an investigation or obtain information from our client and we will write to you once this has been completed. We shall update you with our progress every 2 weeks. We shall provide a Final Response within 8 weeks and will provide details of the escalation process if applicable. Once we have issued a Final Response we will not engage in ongoing communication regarding the same issues. Yours faithfully, Regal Credit Consultants Limited Collections Department. --------------------------------------------- I have noticed the letter head ink has changed and has been sent back to the start as each letter has changed at the bottom from collections to pre legal to legal then back to collections, also there is a new number next to my ref no beginning with a c (guessing this is a complaint number) Anything in this letter that says they ain't got a clue? Also i did ask them not to correspond any more with me in the previous letter. Cheers x

Well my letter is still showing up as being in the system. Not sure if anyone knows but I sent it to the PO Box address i was just wondering does recorded delivery work for PO Box Addresses?

Ok will get on with that tonight cheers for the help i'll update when/if i hear anything back normally seems to be around the 2 week mark with them.

Also the letter i sent i added only the reference number amended the dates etc and where you put don't sign i typed my name.... Hope that was correct not very computer literate .

I sent the letter off this morning and i am hoping i hear no more from Regal about this matter. What shall i put in the email? Just basically what has gone on? And forward the response letter to them? Again thank's for all your help.

How do i go about that?

Ok looking through my previous correspondence again with Northumbrian Water when they first contacted me (15th August 2011) about the bill it says in bold.... We must advise you that we take this matter seriously and have selected your account to receive further recovery action. This could involve your account being passed to a debt recovery specialist or issuing a County Court Claim with a minimum of £155.00 legal fees being added to your account. If a County Court Judgement is subsequently obtained, then this will seriously affect your ability to obtain credit in the future. This letter was directly from NW i contacted them afterwards showing that i had left that address at the end of 2004 and left it at that after they agreed to it and lowered the amount owed and ofc the debt is 7 years old me known that it is statued barred left them to stew at it, but now Regal are trying to say that they already obtained a CCJ against me, is it normal for a Debt Recovery to spout lies like this? Also to add the letter i was advised to send is in an envelope ready to be posted once the post office opens.