Civil Recovery Website What about juveniles? Many offenders are children. Under English civil law parents or guardians cannot normally be held responsible for the civil wrongs of their offspring. However it can be assumed that for many juveniles (and younger children) the parents will pay in the first instance and later recover the amount from their children, eg by odd jobs or birthday money. In the USA most states make parents responsible for civil recovery monies and this can be an objective for legislation in the UK.

Its a civil matter, so they cant involve the police, they can try and take you to court, but as you are a minor they wont get very far. Chances are, they will send you a few threatening letters, all hot air, and if you ignore them they will evenually go away. They are banking on you being scared and coughing up without any fuss.

Sorry, I'm a bit confused, you say the Natwest account was never used, so how do you owe money? Or is it a different Natwest account to the one you never used?

Dont pay them anything, they have no legal right to demand anything from you.

I'm sure someone will correct me if I am wrong, but as you are a minor, RLP cant demand money from you anyway, so they will have to write to your mother. Secondly, I'm also not sure that they are allowed to hold or question you without a responsible adult present. What details did they ask for? Did they know you were only 15? Did they refuse to let you leave at any time, or dod the security guard or anyone else restrain you?

Lady in red, what has your solicitor said about the hospital's response?

Negligence is a civil case, it has to be proven on a balance of probabilities not beyond reasonable doubt.

Just to update, this is still marked as settled, the caution flag has disappeared and there is no indication that it has been sold on YET! I'm not allowing myself to get too hopeful yet, but fingers crossed this is one that has gone away. It was defaulted in 2006 so falls off my credit file next year anyway

I had an alleged debt with Argos Card, I sent a SAR back in June 2009 and the info they sent back was incomplete, I reported them told them I didnt have all the information including a CCA, and as such the debt was disputed until they could provide all the information to prove i owed the money. I didnt hear from them again. I then moved house in August 2010, I didnt notify them of my new address as it had been over a year, and i foolishly thought that they had dropped it as they had no CCA and so no proof. Then yesterday i notice on my credit file a CCJ from Hillsdens, which I presume is the same account because the amount outstanding is the same amount. The CCJ was issued in October 2010, I have post redirection and received nothing from Argos or Hillsdens. So what do I do, I'm not concerned about my credit file as its trashed anyway, do I sit it out and do nothing, or should I asked for the CCJ to be set aside. If the latter do I have grounds as I didnt give them my forwarding address when I moved.

I think you should send the Law Society the letter, even if not for your own case, the Law Society is more likely to crack down on false representation if they get a number of reports. Far too many people are claiming to be solicitors in the debt collection industry that have no right to, and its true what was said before, its meant as a veiled threat to intimidate. It'll cost you the price of a stamp and may stop this woman from doing it again, and may just raise the issue up the Law Society's agenda so that they have a big crackdown.

It really does depend. I've had a water meter fitted and I save £13 a month from what I was paying on rates.

I agree with what has been said too, dont worry that they have rejected your offers, pay it anyway. Decide what you can reasonably afford to pay each of them (and by that I mean that you can afford to pay without leaving yourself without money for food and utilities) and pay it. Its highly unlikely that they would take you to court, but even if they did the judge isnt going to look favourably on it that they have dragged you there when you are already paying what you can afford. Also stop speaking to them on the phone, communicate with them only by letter.

Does anyone know of the security of paying by this method? I have been asked to pay for something by alertpay, and been told it is similar to paypal, but I havent heard of it before and am a little dubious. Looking for other experiences, good or bad. Thanks

Do you reckon it means they have sold it on? (hence settled because its no longer their debt) Its for around £1700 with about £1k of that charges (that have been disputed) As I havent heard anything from them in over a year I have just been waiting to see what happens rather than doing anything proactive.

I've jsut checked my equifax credit file, and Halifax have just changed my status from default to settled (I havent made any payments for nearly 2 years) and a "Partial Caution Flag" has been put on this account. The Default on the account is due to fall off at the end of this year, so I dont know if it has anything to do with that, but I've had no correspondence from them for well over a year. Does anyone know why they would mark the account as settled, and also does anyone know what A "Partial Caution Flag" is?

Why did you pay a fee to the first letting agent? I've never paid a fee to a letting agent unless I was renting a house from them, and then their fees are paid at the same time as the deposit and first months rent.

It says on the t's and c's that they MAY charge an admin fee, no mention of how much. My credit file is wrecked anyway, so its no bother if they put anything on it.

Its a guy from the head office that has told me they are charging this. I'm trying to find an email address for the CEO's office, so if anyone has it or knows how to get it I would appreciate it.

And? I've posted on behalf of friends who either dont know the site or dont feel comfortable posting. I dont think there is anything odd in that.

I have considered signing up to twitter, to ask Mr Bannatyne in a public forum why his gyms penalise people who are ill or injured and due to unforeseen circumstances are unable to fulfill their membership.

I cancelled the DD straight away because I knew of certain tactics they employ. I'm just a little shocked at this admin fee, its more than 2 months fees.

I joined a Bannatynes gym in August, in October I sustained a knee injury in which I've ruptured the cruciate and collateral ligaments and the menicus. My consultant has told me I am not allowed to do any exercise until I have had surgery and post-op physio, and has written a letter for me to confirm this, which I have now sent 3 times to the gym. They finally accepted the letter today, but are still charging me a months notice, and a £75 admin fee. Would this be considered excessive?

No I'm not paying any of them. None of them have provided me with a CCA. I still get their letters though because all my mail is redirected to my new address. I would just prefer them not to have my current address if I can avoid it.

I've recently moved house, at the moment I have a redirection on all my mail (and will have for the next 2 years) but am I legally obliged to give my creditors my new address.

1 and 2 - What does it say with regards to personal use of the internet in your employees handbook? If it says keeping use to a minimum does it stipulate what would be considered unreasonable? 3 Did you make your target number of calls other than these numbers they are disputing? Where do you normally source your numbers from? Where did you get these numbers from?