Hi again Yorky, admins may merge this as you approached this topic in your other thread, albeit in a thread discussing employment.. I would suspect it would depend on the thresholds if it is available to carers, but honestly, you should just ask the Agency in charge of this, or make the application and find out. Also, sorry to nitpick, please use '?' for your questions, it's difficult to figure out what are your statements and what are your questions, this will assist people trying to help you.

Ok, you said 'usually' in your first post regarding the advice from them.. but it doesn't matter - usually/normally is not definitive Give it time Card

That's a great result Vdto, well done on pleading your case!! This will not affect any applications because nothing will go on the record outside of Tfl, it's simply a warning, essentially you can forget about it, move on and be more careful in future as dx says above. We all make mistakes

That's just the quickest yet seen of a resolution, and someone told you it 'usually' takes, means nothing really.. Sadly, keep waiting, hope you get a resolution soon though

No rush Baz, try to fix scanner there are other options but there's no urgency in uploading. SAR should indeed contain everything, you could politely (or not) remind them they are in breach of the GDPR regulation and the ICO would be interested in such cases, as you stated in your original letter, they are obliged to provide EVERYTHING

Hi Baz, Based on your comments on what you have received it would be worthwhile uploading them for us to see, redact all identifiable info such as acc number and name etc Follow the upload guide carefully Then if/when you get the CCA response, do the same, we can compare a number of those documents because Vanquis should have supplied originals BT

Hi allets, CCA to whoever is the debt owner today, let us know their response, or lack there of, for further guidance Or you could read up other like threads and the advice will be the same, so you'll know what to expect BT

Best of luck!

Complaint with FOS? now you've made contact with ICO Check with CRA if closing the troublesome account would help? and do it if so

I don't see any issues with trying to get the judges attention based on what you've said regarding the ruling. Disclaimer: I'm not an expert on court procedure

Post #2 and Post #11 are what you need to do for now, this will prevent DCA's getting involved for many months/years/if ever and will also limit the letters landing on the doorstep. Direct question - Not sure what 'attaching' means, but it doesn't sound good, do not do this and forget that line of thinking all together. "I've read around the site, there is no answer." - I said re-read YOUR thread, everything you need right now is already here

Hello HP, I've tried catching up with your thread. Was there ever a resolution through the courts? are you aware of ongoing/pending litigation remaining here? You've been given much advice on this, and although I don't (nor anyone by the looks) have the answers you seem to want, all I can advise is that you are transparent about everything and allow this to take it's course through the courts. I hope I haven't missed something obvious, just trying to help.

Hey SB Did you make that large drink and have a good read up? Re-read your thread, everything you need is in here already, try not to complicate things just now.

Hi xJohn, welcome to CAG If you've been able to confirm in the TOS what they've said, then it doesn't matter what you feel is missing from the contract, you agreed to it. Specialist - you need to confirm if they are referring to the de-racking process? Transport is none of their business once it's out of their racks.

SAR, yes do both, could be useful for cross referencing The dates you've given for moving abroad also change from your original post so the more info you can gather the better Also, there's quite a few questions you haven't answered that could be useful.

Snip from guide: "If you use an iPhone then you will not be able to use an app as Apple have hobbled their phones for this purpose - you won't be able to get a true two-way recording. Use the digital recorder and the TP8 instead with an iPhone." There's a comprehensive guide to call recording in my signature in case you have other options such as Skype 'dealing with customer service' <---- or click that link

You've definitely a valid case to request a change, nothing wrong with asking in your request (or as a counter in the case of rejection), what recommendations they have to support you in the circumstances as you wish to remain in employment with them, as the loyal employee you have been so far. Fingers crossed for you

No worries, you've done the right thing reaching out for help, you're on the right road now. I'll leave you in the capable hands of the site team, I'll be lurking though so do definitely keep us informed

Hello Apple, welcome to CAG. Someone knowledgeable will be along shortly to assist you, it is the weekend and so replies can take a little longer. In the meantime, continue your research here on CAG - you may stumble upon the answer Good luck getting this sorted I had a dig around some other threads and some info that could be useful before proceeding: What is the default date on your credit file? Do you have written evidence proving that you informed SLC of your new address abroad? You can send a SAR to SLC - this will tell you when the last payment was amongst other things You can contact Northampton bulk and ask for a copy of the particulars of claim AND the CCJ judgement by email pdf I believe the above will be useful to know before proceeding to request set aside

If any of that is because of me, I'm sorry I would never intentionally misinform regarding paying not paying - I did state it was what I would do, because it is, what I did.. Dx's advice is just as easily doable though SF given everything said upto now about dropping to £1 pcm

You're very welcome SF Yep it's a relief for sure! I'm almost 18 months into the 'stopping paying everyone at the same time' idea, so I know what's coming for you and it's nothing to worry about. Your postman might start getting annoyed though Just remember, should you ever receive a letter of claim / letter before claim DO NOT ignore it! come back here for help. Over the coming months and while you're witnessing the deforestation arrive via the post, stick around CAG and read read read

No expert, but common sense usually prevails with most employment laws (in my own experience that is). Due to your time in service they will have to consider any request for change of contract carefully and provide justification for any rejection. i don't know your type of work but you mentioned you requested transfer.. Perhaps flexible working is an option for you? I took to google once again: (I can't link sites) Employer should consider an application for flexible working: flexible start and finish times compressed working hours annualised working hours working from home Reduction in hours would follow same process, just speak with them and request it. If they reject, then your in-place contract applies and you will be expected to resume and furnish that contract, otherwise yes dismissal likely due to absence policy eventually. Having just spent a decent amount of time scrolling web results to searches, I think you've already done that too given what you've said, so I would suggest you call the helpline to get official answers

Yeh that's very true dx, I figured they would sell anyway but stopping will speed this up and given the existing defaults 100% agree best to get the 6yr clock ticking Just pay the Next £56 one in the first month you stop paying, might as well for £56. Stuckfast, get yourself prepared to receive a forest of letters, get a separate folder for each debt, file in chronological order.

Thanks dx, still a bit lost as to exactly what you are looking for. But I took to google, and: Carer's Allowance: Effect on other benefits - GOV.UK WWW.GOV.UK Apply for Carer's Allowance - money to help you look after someone who needs to be cared for. Apply online or use form DS700. And Savings: "How much your capital and savings are worth may affect the amount of Universal Credit (UC) you get: If you have capital and savings below £6,000, your UC will not usually be affected." More: Browse: Benefits and financial support if you're caring for someone - GOV.UK WWW.GOV.UK Help if you regularly spend time caring for someone. Includes Universal Credit. And give the Carer's Allowance Unit a call for exacting answers Best of luck

Have you checked your credit file yet? From my understanding, 20 defaults is no worse than 10... This is what I would do Stuckfast Starling bank overdraft: £400, 2019. Pro rata £14 arrangement to pay, no default. - Drop to £1 pm, wait for their move Tesco Credit Card: £100 started 1/12/2019; defaulted 7/10/20 £5 mth - Defaulted, stop paying wait for them to sell Virgin Credit Card: £2700 started 14/5/18; defaulted 30/3/21 £5 mth - Defaulted, stop paying wait for them to sell Marks and Spencer Credit Card: £850 started 18/10/19; defaulted 13/1/21 £5 mth - Defaulted, stop paying wait for them to sell Nationwide Credit Card: £1500 started 30/4/19; defaulted 28/12/20 £5 mth - - Defaulted, stop paying wait for them to sell Barclaycard CC: £1400 (PRA group purchased it) started 25/8/18; defaulted 16/7/20 £5 mth. - Stop paying. Send PRA a CCA Aqua Credit Card: £3900 (now with Cabot Financial) started 3/12/18; defaulted 12/11/20 £5mth - Stop paying. Send Cabot a CCA Aqua Loan: £1700 (now with Link Financial) started 28/9/19; defaulted 2/2/2021 £5 mth - Stop paying. Send Link a CCA Monzo Loan: £1900 October 2021 – permanent pro rata £39 agreed, not defaulted - Drop to £1 pm, wait for their move Likely Loans: £1500 December 2021 – temp £14 pro rata, not defaulted - Drop to £1 pm, wait for their move Monzo overdraft: varies up to £750 - temp £10 pro rata - Drop to £1 pm, wait for their move Monzo Flex: £900 December 2021 – temp £11 pro rata - Drop to £1 pm, wait for their move Fluid Credit Card: £1500 July 2021 (on a holiday until August) £0 - Offer £1 pm, wait for their move Capital One Credit Card: £700 £40 mth (up to date) - Try to pay off as you are or drop to £1 pm, wait for their move Amazon Credit card: £2450 November 2021 £75 mth (up to date) - Try to pay off as you are or drop to £1 pm, wait for their move Next: £56 December 2021, £5 mth (up to date) - Pay off with first months savings due to reductions in pro rate and the ones stopping being paid. Thanks dx, copied that for my future reference