Hi I am looking for information held about me from social services before and after I was adopted. I was adopted in 2007 when I was 9. I was adopted along with my 2 brothers. I understand there may be implications for access to data relating to either of them. Is it as easy as sending a SAR's to the heads of childrens and families in the area I was from and the area I was adopted to i,e Inverclyde council and South lanarkshire council. Any help and advice is appreciated. Both my birth mother and adopted mother now have dementia so the option of asking either is no longer an option. Thanks NJ

Hi Andy They currently deduct £40.00 per month from my Housing Benefit. Thanks

HI Any advice appreciated. I received housing benefit overpayment and agreed to repay £40.00 per month. I have recently received a letter stating that they will no longer accept £ 40.00 per month and I have to pay £90.00 per month. I can't afford this, despite advising them of this they seem to be unwilling to accept reduced repayments. I have stated clearly that as working single mum this amount is no where near affordable. How can I proceed with this? Thanks

Hi Thanks for reply Even though the debt is deed, when will it be removed from my file if the debt/ loan shows active, not defaulted? Or does it just remain on my file indefinitely showing as an open active account

hi Yes im in scotland and took the loan out whilst in scotland thanks

Hi and Thanks As soon as I lost my job and couldnt repay I contacted them from the date of the last payment until feb 2012 requesting they stop adding charges and interest when they knew i was unable to pay...to no avail... Thanks

Thanks for responding So am I wrong in thinking that once a debt is statute barred or 'extinguished' it will be removed from my file? Is this wishful thinking? If neither of us have acknowledged it in 5 years can they legally pursue us/me and can they legally keep the account as active on my file? Thanks

Hi Just a little advice please, or a lot of advice, any advice in fact is of course appreciated and I thank you in advance. I'm clueless; I have a loan with FLM which is now Amigo, the last time I made a payment was Oct 2011, the last time I contacted them was Feb 2012. This was a guarantor loan, the guarantor has never paid or contacted them at all regarding the debt. The account is still active on credit file, there is no default and it shows as 6 payments missed despite there being 73 missed payments inc Jan 2017. Is this statute barred, should it say defaulted, will this continue to be open and active on credit file? Should I contact them and offer them a reduced final amount in exchange fro the account being closed and settled or.....?? I have recently returned to work and I am beginning to finally get all my affairs in order and it's a bigger minefield than I thought..... I have a few other debts that show as having default dates in Jan 2012 and Feb 2012, do these debts stay on my file, do they affect my credit score and if they do what should I do about these? Cheers Jac

Hi Just a little advice please, or a lot of advice, any advice in fact is of course appreciated and I thank you in advance. I'm clueless; I have a loan with FLM which is now Amigo, the last time I made a payment was Oct 2011, the last time I contacted them was Feb 2012. This was a guarantor loan, the guarantor has never paid or contacted them at all regarding the debt. The account is still active on credit file, there is no default and it shows as 6 payments missed despite there being 73 missed payments inc Jan 2017. Is this statute barred, should it say defaulted, will this continue to be open and active on credit file? Should I contact them and offer them a reduced final amount in exchange for the account being closed and settled or.....?? I have recently returned to work and I am beginning to finally get all my affairs in order and it's a bigger minefield than I thought..... I have a few other debts that show as having default dates in Jan 2012 and Feb 2012, do these debts stay on my file, do they affect my credit score and if they do what should I do about these? Cheers Jac

Thanks for replying I got another account but what do I do about this 1? just let them apply charges until they stop and then chase me via a debt colletor? Is there anything I can do?

Hi Despite notifying Lloyds that I was experiencing financial hardship they keep applying charges upon charges. Two months ago they charged o/d interest from the previous month which resulted in my account being 38pence o/d. Now its £174.00 o/d solely from charges and interest from the 38p. At the time I contacted Lloyds to explain that I wouldn't be able to credit the account until payday almost 3 weeks later and by then i would have accrued more charges so please could the 38pence be voided leaving my balance at nil but they replied that due to a previous good will gesture/charge being reversed they couln't do anything. Where do I go from here? Do I just accrue hundreds of pounds of charges on charges originating from -38p which was from a charge thanks

Hi I let my flat out for 12 months last year to a friend of a friend who towards the end of our tennancy agreement left to go 'travelling' without paying her electricity bill. Obviously I know now that I should have switched to a pre payment meter for the duration of her agreement. When she moved in she organised a switch of supplier to her name and I foolishly thought that any arears if any would be her responsibility and have absolutely nothing to do with me. Now that shes gone and im back home npower wont allow me to switch supplier unless i clear the debt in her name which im refusing to do but in the mean time they are supplying the electricity to a property that is mine to a tennant that no longer lives here? Please advise In gullible and naive frustration x

Hi Im sure I checked for ppi at the time and it wasnt included but i got so stressed I honestly stuck my head in sand so i dont know..... Unlawful penalty charges, I dont know what they are and what constitutes 'unlawful' but I have just been reading old emails and checked credit file i'l assume that yes charges have been added to the account; credit report- balance 07/2011=£3300 I made 4 payments and balance on 12/2014=£3746? on credit file since nov 2011 until dec 2014=38 months all the months just have a red box for 6 payments or more late its not defaulted or been passed to a debt collection firm, theres been no contact from them but they have updated file every month is this normal? What do you mean reset the SB clock? What are my options if you dont think this will improve my situation?? Thank you, any advice appreciated

Hi and thanks for getting back to me No I haven't contacted Amigo yet because even typing their name sends shudders.....for months I got bombarded by txts emails and letters and then they must have realised that I really couldn't or wouldn't pay anything to them after my job loss, the last I heard from them was an email in 2013. I have been working for a while now but its only now Ive cleared my feet and can focus on improving my credit status, so I looked out the 'old debt' file and wondered who to contact the 'Harvey sturrt' or 'FLM' or???? in a mess already

Hi My circumstances have recently changedfor the better and im trying to finaly sort my finances out and make repayments to a few outstanding loans etc one of these loans is to flm now amigo and i was reviewing all the communication weve had since i took the loan out in 2011and they constantly threatened me with court action from a company alled harvey sturrt claiming I would have to pay more in repayments than my original agreement? Isn't this the same situation as Wonga as Harveysturrt turns out to be another trading name for flm?! what should I do ?

Hi I contacted LA @11 am on the day the 'error' was made, I asked if they could recall the payment as it had only been a matter of hours but they said this would not be possible instead they informed me on the call this was now an issue with me and the bank to settle, they advised this would be no problem as it woukd be illegal for the bank to use a housing benefit payment/rent cheque to reclaim charges? The bank of course claimed that the charges were lawful and that any money credited to the account can be used to reclaim/recoup the full amount. Thanks

Hi I had already contacted the 'old' bank to advise that I would be unable to pay charges due to extreme hardship however they claimed that as a good will gesture I had already received a refund of charges this year and there was no option but to pay them. thanks

Hi I updated my bank details via letter and phone call with local authority for my housing benefit payment, I also called 7 days from date of change to ensure that the payment would be credited to new account. Despite LA confirming new details etc the payment was made to the old account, £150 of this amount was swallowed up on bank charges. The bank won't refund any of these payments and now I am in rent arrears. I complained to LA and received a letter of apology in which they recognise the error and apologise for poor service received, they also claim that despite the error being their responsibility there is nothing else they can do.....can they do anything else?

Hi No, if I pay the amount in full it will not go to court. The letter states payment in full only. I was wondering if anyone had any sucess in pleading with them in the hope that this can be paid in installments as i dont want to go to court thanks

Hi I got caught driving without isurance and received a letter a few weeks ltr advising I have to pay a fine of £300 in full and have a 6 point endorsement. I have 2 weeks to pay the fine in full, if I dont pay within the 2 weeks the letter claims I will be summoned to court which will result in a higher fine amount. Although the letter claims I have to pay the fine in 1 single payment as there is no installment option is there anyway round this? Im unemployed and have no chance of meeting the 2 week deadline, has anyone had any sucess pleading their poverty case with the court which resulted in monthly installs being granted? Any help please

Hi Just offering some encouragement I know how stressful dealing with the nightmare that is shopdirect/littlewoods/very/ndr... I contacted lwoods to advise upcoming redundancy, money worries and blah ...I requested a reduced payment option for a few months, the response was no option available and I had to wait to be defaulted before contacting them ae feesgain?? I contacted again two months ltr to repeat my predicament and again was advised no option of reduced payment available and late payment fees have also been added to account and I should expect to hear from ndr and then I should speak to them??? I called ndr who advised full payment rqred pronto.....stressed and ****d of I decided to CCA lwoods and 4 months later recived peperwork which confirmed very little. I sent a SAR to lwoods and again waited over 4 months and finally received a response which again showed no signature or personal details but did show a plethora of additional charges regarding recent late payments??? I wrote to advise that this agreement would not satisfy the courts and requested refund of all late payment charges offered a #1.00 per month payment towards the account balance...no response. I sent the same letter again and finally 5 months later received a cheques for the late payment charges and nothing else. Nothing from lwoods or ndr, the bi weekly threatening letters stopped and I pay #1.00 Good Luck

Hi Can someone advisE what I should do in relation to some documents I have received from an Insolvency Firm (Atherton Bailey) regarding WELCOMELOANS LIMITED. It states, "We enclose herewith a notice of a meeting of creditors of the above name Company to be held..............We also enclose a form of proxy, together with a claim form for you to complete and sign and return by July 2 2013..." I have never had any dealings with a welcome loans limited. Should I ignore or???

Hi Looking for some advice on behalf of my mum and her Littlewoods account. She recentl ordered a tablet online and never received it. I checked littelwoods online and according to their records the item had been delivered and customer signature given?? I complained obviously and requested a copy of proof of this signature etc, but LW claim that she has to send them proof of signature 1st and then they will provide her with the copy she requested... Until then she has to pay for the Tablet purchased does she have to this?

Hi I called littlewoods querying ppi on my mums behalf and in turn they sent a ppi form, we completed and returned and a few weeks later received a reply saying the ppi was now removed but she wasn't entitled to any refund because it was added to her account in 1998 and this was before they were part of the financial resolution service. So Tough??? Turns out she opened the acc in 1985?? ppi was added in 1998 when she called to place an order but they dont have any data or calls from then. She then called to upgrade the ppi in March 2005 and they can not provide any data or calls from that time. It was then automatically upgraded to the next level of ppi 6 months later and she was advised of this in the post. So do not give up..they will send at least 4 or 5 resounding no letters but dont give up. They don't comply with any legal time frames. ....do not use a ppi reclaim company just write letter after letter and do it yourself. FOS timeframe rendered them useless. The following process worked for me! 1.Send Littlewoods a SAR request hilighting you require call recordings and or transcripts of the calls that an agreement was made to add ppi to the account and all terms and conditions were provided allowing your Dad to make the informed decision to add it. 2.Send a letter 2/3 weeks later reminding them that they now only have 2 weeks until the 40 day acceptable time frame to provide you with SAR response expires 3.Send a letter that claims to be a letter before action if the SAR is not received 4.Once SAR is received and its clear ppi was missold, calculate what you are owed and write to them again asking why they cashed the £10.00 SAR fee and failed to provide you with the requested information, if they failed to provide you with the documentation demonstrating that ppi was sold within fsa fos guidelines because no documentation exists then what makes them so adamant that it was not missold? 5.When they send you a generic No you were not missold ppi lette, copy all the correspondence regarding the matter with a covering letter stating that you were missold an Aviva ppi insurance product via littlewoods and heres the evidence attached and forward to AVIVA (formerly Norwich Union) Insurance services in Perth Scotland as they underwrite the insurances for shop direct. Send a duplicate to littlewoods. 6.Wait for the interflora bouquet of crap flowers and apology card to arrive few weeks later 7.A few days later your cheque should arrive I despise them G'd luck.

Hi My court date is tomrow can anyone advise what I should expect i'm clueless! Thanks