hi im posting this on behalf of a friend and really need some advice to help her out.. she is an international student who came to the UK on a 2 year student visa. however half way during her studies she fell pregnant, which meant she couldnt continue with her studies ( but she still paid all her student fee). now shes given birth she wants to return back to her studies, but her visa is to expire soon. she wants to apply for an extention while shes over here in the UK as she fears if she goes back her family will not let her come back again... she settled down really well over here, but now shes in a tricky situation as she doesnt know what to do. she doesnt want to live here illegally as she and her husband are totally against the idea. but she needs financial help in raising the money for the extention of a student visa (now that she has a baby to care for too). . does anyone know where she could get some financial help to do this or if there is any other route where she can stay in the country legally (as the baby is a britsh citizen as she wsd born here?) any help or suggestions would be truly appreciated plz. thanks x

Hello there, My friend and her husband have a joint debt of £3,200. The creditor managed to obtain an interim charging order on the house. However, the house is only in (and has always been in) the husband’s name only. The hearing is tomorrow and I would be most grateful for answers to the following questions, if possible. 1. Can the charging order be enforced, despite the named owner share of the debt being only 50%? 2. Is it the correct procedure for the creditor to apply for the charging order without first giving notice to the home owner? (In this case, my friend and her husband were led to believe that the creditors were not going to pursue the debt in full and an arrangement for payment would be accepted. However, they (the creditors) underhandedly went in “for the kill” and applied for this interim charging order without notifying them. 3. This amount owed, was initially admitted to. However, on reflection, my friend realised that the amount should have been minus £800, as an initial refundable deposit of £800 was paid, however was never refunded. Can the original court order to pay be set aside on this basis? How does this impact on the interim charging order application? I eagerly await a response as they are due in court tomorrow. Thanking you.

I have made an offer to Mackenzie Hall, acting on behalf of Quickquid, for full and final settlement of my outstanging balance. i got stuck in the nasty cycle of Payday loans and am now nearly out the hole. M/Hall have accepted my offer but are refusing to update my credit file as, settled in full. They claim that a full and final settlement is classed as a "short settlement" and my credit file will be updated with, Full Default. is this acceptable? I was under the impression that once an offer of full and final settlement was accepted, it was exactly that, full settlement of the account. i appreciate any help/advice with this. i have until the end of the week before the deadline of the written agreement lapses. thanks in advance

Hi there We are in a DMP with Debt Help Direct. I have been having problems getting through to them on the phone and via email. Had an email from MD earlier this week saying that they were having problems with the phone system and that they would contact me the next day. I heard nothing and couldn't get hold of them. I have just googled the MD's name and see that we was arrested yesterday for fraud and drugs. What do we do. They have been taking money each month. Have they been paying my creditors? I don't know what I do now. I have cancelled the standing order but what else should I do. Is there anyone else using Direct Help Direct services ?

Hi All I wondered if someone could give me some urgent advice. Myself and a friend have a joint Motor Trade Insurance policy and we buy and sell cars. My friend was driving his car on Tuesday when he got pulled up at the side of the road by a Police/DSS/Bailiff road block. The JBW bailiff told him that there was outstanding parking fines in the name of the company (would not tell him what vehicles they were for) and said he was seizing his car. My friend disputed this even consulting with the police who said yes its unfair but you have no choice but to pay. Needless to say my friend paid £3100 (for FOUR tickets) and drove away. He has since reported this to his bank and disputed the payment, has anyone any advice on which grounds he can dispute this transaction (under duress etc) and the fact that the fines do not apply to his car. After all the Logbook clearly states that a registered keeper is not necessarily the legal owner. My thanks in advance

I've had a court summons and need some help with my defense. My car was deemed a total loss by the insurance, they never asked for any V5s or anything after sending me the cheque. They then sold the car on months later and I've received a failure to notify court summons. I noticed on the V5C it says the Motor Insurer must also sign the V5C before it is sent off, how does this work? Is there any law stating that I must be the one to post the V5C (the DVLA states the registered keeper must be the one to send it off). For example if the insurance company asks for the documents, is it sufficient for you to sign your part and send it to them and let them do the rest? Is it sufficient to send the V5C off without the signature of the Motor Insurer and send them the rest of the form? (I've read in many places this is sufficient but the form says different) In the event that the V5C was not in my possession and with the insurer, would it be sufficient to write a letter to the DVLA stating the change of ownership? What is the actual law regarding this?! I'm confused someone help fast please!

Hi everyone, first time poster - been looking all over for help! In February I was told by a ticket inspector on the bus that I didn't have the correct ID for my oyster card (I have half price travel and had left my photo card at home), and asked for my details saying I would have to pay a penalty. He then phoned whoever it is they phone and gave them my details. He didn't give me anything before I got off at my stop. I was intending to appeal the decision as my photo is on my actual oyster card as well, so it's obviously mine. However, I received nothing in the post and assumed that I hadn't been issued a penalty after all - especially as I had received nothing from the inspector after he made his phone call. Then a month later I got a letter from IRCAS saying that Transport for London had given me a Penalty Fare Notice and that as I had not appealed within 21 days or payed the reduced sum of £40, I have forfeited any right to appeal and have to pay £80. I sent in an appeal anyway, with the picture of my oyster card and my photo card. They predictably wrote and told me I was too late to appeal. I wrote telling them that I didn't receive a PFN from TFL or anything from the inspector. They are telling me that I did. I asked them for proof of posting and they said it's not their responsibility to get it because it was sent from Transport for London. I have contacted TFL and asked for proof of posting -nothing yet. It seems so unfair to have to pay £80 when I would have happily paid £40 had my appeal failed - if I had the chance to appeal! They've said I have to pay by 8th April. Please advise. Thanks!

Hi all! I've been so busy sorting out 2 other defences for my OH, that I completely lost track of the date. Right! Claimant: Hillesden Securities (prev Black Horse) Amount: less than 5k. Aos returned disputing full amount. I have received no NOA, DN or response to my CPR31.14 request. I didn't know that Black Horse had sold the debt and the trouble started when I tried to reclaim my PPI from Black Horse 4-5 months ago. My PPI claim has been rejected but I am appealing (just with Black Horse at the moment but to FOS if necessary). My defence is due today and I'm really unsure what to do regarding what to say in my defence as the amount Hillesden are claiming for is directly related to my PPI claim. I don't know what the o/s balance would be without the PPI. I did default after running into financial difficulties back in June 2012 but I had sent a CCCS letter asking for reduced payments in 2010 - no response. We've seen through the recession and clung on by our literal fingertips, so don't want to fall at the hopefully final hurdle. I'm absolutely up to my neck in legal battles at the moment and just need some help to decide the best possible cause of action. Don't want CCJ as just going through Foster caring training. CCJ = no fostering. All advice welcome. With kind regards Kay Hillesden CC claim form 09.07.12.pdf

Hi there, i was involved in a minor car accident in april 2012, i went into a the side of a vehicle on a mini roundabout at very low speed, causing minor damage to both mine and the other person's car. I swapped details at the time and contacted my insurance as soon as i got home. Initially liability was contested. I hit the vehicle as it approached from the right on the roundabout, however he didn't indicate so my insurance company offered to settle the third party's claim 50/50. (At least this is what they told me) However in september 2012 (5 months later) i received another letter from my insurance company saying after considering evidence, that they would be 100 percent liable. This was the last i heard until last week when i received county court damages claim forms from the other person asking me to pay 1800 pounds damages to the other guy. I have contacted my insurance, they are hopeless and keep fobbing me off, all the time the clock is ticking as i have less than 10 days now to respond to County court claim. I feel completely helpless, i cannot believe my insurance company have let me down and that i am in this very awkward predicament. Any advice or suggstions would be very gratefully received. P.S i did not claim for any damage to my own vehicle as was very minor.

Got a letter from Eversheds on Wednesday stating they'd applied for reposession on the 11th March. I went to court with them in 2007 and unfortunately I'm £1960 in arrears. My panic is that as I am away from home next week they may just come round and change the locks as I'm away til the 26th. Also don't know when I'll get notice from the court (I'm assuming they will write to me). I appreciate that the time may well depend on courts workload but has anyone any idea it would be appreciated.

Hi Cage, not sure which forum this belongs to but here is my issue in brief: Northampton CCBC Claimant MKDP LLP not Barclaycard Particulars of claim states account assigned to MKDP LLP - NO DATE ? looked on credit ref files and info stated on Experian acoount ended in XXXX X but that is not the account number for the card ? particulars of claim number is correct though. Experian 1st entry May 2012 as a straight default without any communication from them ? Equifax & Noddle 1st entry Jan 2012 as a straight default again without any comms?? Last full account payment to Barclays was Oct 2011 when we an agreement was requested as considering a debt consolidation company, did not do this , so wrote to Barclays, SAR, with a view to reduce the balance as much as poss with the payment recieved, no response, non SAR letter sent 3 months after still no response, another non SAR letter sent June 2012 still as of today no response now this. No default from MKDP, I suppose they will make some letters up and send upon request ? Please any help would be gratefully received, panicking and worried to death AG

This is my first post so apols if I am in the wrong place + if this is lengthy. I am a LL who really wants to be doing the right thing for her tenants and I am facing a claim against me at this time from tenant whose AST finished on 4th July12 but who abandoned the property moving into a new property one month earlier leaving 2 cats in my property and the back patio doors left open for them. Tenant is claiming LL breach of contract / disrepair but only after LL has tried to deduct damages from deposit for a) Keeping animals against AST b) AST clearly states if animals found in property, cleaning, defumigation etc must be done and invoices supplied, c) Tenant disposed of a cooker hood and a microwave without LL agreement. d) House left totally uncleaned, I mean not even hoovered, dusted nothing and check out report states this and Tenant signed checkout report so agreeing with state house was left in. e) State gardens were left in g) Damage done by cats to wall paper on Hall, stairs and landings. Tenent has openly admitted all the above but refuses she allow any deductions from her deposit. I started claim for arbitration with DPS - tenant refused. I suggested it again, tenant refused. Tenant now served me with a claim for what seems disrepair, or rather a counterclaim to my wanting deductions from her deposit. There have been repair issues but I can prove whenever they have been reported all attempts have been made to rectify the problem. Things have been complicated as everything handled by a (not so good x2) management agent as I am often out of the country. Tenant has a proven history of failing to let contractors have reasonable access and with holding rent, particuarly around Xmas time and for several months. Rent arrears paid after several months but without interest. Repairs include; 1) Leaking kitchen ceiling - 2 plumber repairs done to bathroom, 1x repair to adjoining flat roof. One of the plumbers took 6 weeks from trying to get in to assess to completion largely due to tenant not been home when agreed, tenant cancelling appointments. 2) Tenant is claiming lack of adequate heating and hot water from Nov 10 to march12 - Boiler not only has gas cert but annually serviced. Leak from valve and drop in pressure reported Nov 10, rectified within a week. May11 - same problem reported and rectified along with rads bled. Oct 11 - Gas engineer recommended adding chemicles to system to flush debris out of rads but being adiment after 3 weeks rads would have to be emptied, flushed and bled. Gas engineer couldnt get back in to complete the flush. Nov11 - Gas Cert + service. Dec11+Jan12, £200 per month with held from rent, not picked up until mid Jan. When chased about this tenant said it was because she had inadequate heating so this was to offset her extra heating costs. She had done this without any warning or agreement. Problem with Central heating had not been reported until she was been chased for missing rent. Jan12 - Gas Engineer said boiler working but reduced effectivity, he gave option of repair or replace. I repaired at over £600. Few weeks later Feb12) tenant complained of same problem, Gas Engineer went back and did a different repair. Few days later, same complaint. I then sent out my own Gas engineer (as opposed to Agents) and he condemned the boiler stating it was over heating, likely cause - debris from rads going back into the boiler after chemicals had released them and the flush had not been carried out as Engineer could not get back in to do this. Agents engineer confirmed this was most likely. Mar12 - New boiler sucessfully installed. June11 - Agent notified me of foul smell from drain outside back door - I asked for further detailed information? Should tenant just put some chemical there? Is it likely a bigger problem than that etc - no reply and I was out of the country. A week later agent said drains had a problem that needed dealing with, I asked him to send contractor to assess, report+ estimate. 3 days later on a fri afternoon 17th June I got an email from EH saying urgent situation with drains needs immediate attention. I emailed agents on 18th+20th, they replied late on 20th saying as tenant had not paid any rent they could not assist - EH went ahead and served me a notice and carried out the works. Tenant is saying house was disgusting, dirty and needed lots of repairs when she moved in, she visited 3 times prior to starting AST, her guarantor is a solicitor, at no time did she write to say she was dis satisfied with the state of the house or the needed repairs when she viewed or first moved in nor with the repairs done, at inspections any repairs would be listed and actions put into place to rectify them. Within a month of moving in tenant requested a rent reduction which was declined. Tenant never offered to pay for any repairs and have cost deducted from her rent yet with held rent. Can you guys out there please advise, is it possible to defend a claim of disrepair? Have I actually done wrong so therefore should I rightly be paying compensation to this tenant? I really want to be reasonable but I have had both bad tenants taking advantage as well as very poor agents who have breached contracts and I really feel its time to "fight back" but only if I am in the right. I am desperate to hear your guidance on these matters.

http://newsletter.citizensadvice.org.uk/display.php?M=27695&C=1e627837b9823e9d5f702f61519a3df7&S=608&L=52&N=347

I took my car to a garage and told them to inspect it for me. I paid them £80 for this inspection. They told me that the dual mass flywheel had seized and needed to be changed.i was told that if i repaired it with them they would credit the £80 into my repair bill. i took my car in a few days ago to get it repaired and informed them that I had a warranty with warranty direct. I called back to get feedback and they said they had gotten to the flywheel but that the warranty company required pictures before they will authorize and they have sent them the pictures and are awaiting authorization. the then calls me back the day after saying that the flywheel is perfect but that as they had taken my car apart my bill was £340 for the time spent on my car and he wont release my car until i pay. i understand that a mechanic's lein makes that possible. but i am not a mechanic and i was not told that my original diagnosis was inconclusive and that the cars flywheel might not be faulty. also if the flywheel was perfect "in his own words" why did he have to send pictures to the warranty company. was he trying to put a bogus claim through i have both bills, the 1st saying the flywheel was faulty after inspection and the second saying i owe them for further inspection I approved the repair based on their original inspection. Do i have to pay this bill??? can i get my car back without paying it. or should i just count it as a bad experience with a mechanic and never use them again

I need help urgently as I have just had a very intimidating bailiff at the door from Collectica. I will tell you the full story in the hope that someone can help as I am currently shaking with fear. I had a letter about 6 weeks ago from the collections office of the court with a "notice of arrest" this was for an unpaid TV licence. I spoke to the enforcement officer who arranged for me to go to court, she also mentioned that I had 2 other fines which would be dealt with. I went to the court and the magistrate dealt with 2 of the cases and was informed that the third was with the bailiffs. I arranged a payment which I am keeping up to. I called the enforcement officer to ask about this third debt and she said "tbh it should've never been sent to the bailiffs as you had 3 outstanding fines. Just fob the bailiffs off for 6 months as it will then come back to me and be dealt with". So I have been waiting for contact from the bailiff. Today he arrives so I tell him that there has been some mistake and tell him what the court has advised me. I expected him to walk away. Oh no, he said he can break in and he will be getting the police and locksmiths! He is currently parked outside my house. HELPPPPPPPPPPPPPPPPP! The debt is £605 and is to do with a court fine for.

I lost a case as the Claimant a few months ago and the Defendant was awarded costs. I have tried to come to a repayment plan with the Defendant but have not been able to reach an agreement. I then applied to the court via an N244 to have a hearing and to request a repayment plan be taken on the order. I was given a date of the 27 February to hear this, however yesterday I received an interim charging order. This will also be heard at the same time. I have read the guide on here but a great deal points to it as a debt owed to a creditor via some form of consumer finance etc. This was a costs order that they are trying to enforce on a charge, should this be treated any differently? The house is in my name only currently, I have a mortgage on it, however I am to get married in June - I have already been in touch with the mortgage company about this and changing it. I was told that was possible to do. Can I still go ahead with adding my partner to the property prior to this hearing? Would it look bad or prejudice me? The other complication on this is my parents purchased the house some 10 years ago when I was at university and they rented it out, just under 5 years ago they sold me the house and gifted a portion to me on a proviso that I would repay them within 5 years an amount of money. If I didn't it was agreed that they would obtain part of the value of the house back to them and would agree to a security on the house themselves. The 5 years expire this year, how does this affect them and me? Thanks for the help

Hello there, I would be grateful to receive some assistance as I am at my wits end. I made an application to the Court for an appeal to be heard by a Circuit Judge. This application was based on my application to suspend a warrant of eviction being dismissed by the County Court Judge in November. My appeal application is still being processed at Central London County Court. However the mortgage provider has gone and secured a new date for eviction prior to the appeal being heard? Is this normal and can I contest this? I eagerly await a response. Thank you in anticipation. Regards

Folks - my house was repossessed and without all the shenanigans here's the bare bones.... House repossessed and put on the market at a vaue of x Mortgage is x + y House value is x+z where z > y Given that I already have a default What is the benefit of paying y? I have been offered a sum of y-a to setle - a is I feel aggrieved as z far > than y If I didn't pay y, can my credit rating be any worse? Kind regards - Andy

I have today had a visit from Marstons regarding a debt in the name of a previous occupant of my address. I work from home and was on the telephone so I didn't answer the door. My son called the Bailiff when he got in from work and was told that the Bailiff wants to make an appointment to come into the property to 'ensure' that this person no longer lives here. The letter from them has the reference HMCTS so I assume that it is a Magistrate's order. The Bailiff said no more than that it was for a TV licence fine. He also stated that he will attend with the police if necessary. Do they have this right? And also how can I prove a negative? I can prove that I live here and provide a utility bill but other than that am I supposed to let them rifle through my drawers and personal papers? Thanks D

This is my first post. Unfortunately due to financial difficulties about two years ago because I did not have a job, I fell behind with my mortgage payments. The arrears were over £6000 and Chelsea obtained a possession order, suspended on payment of £100 per month in addition to current rent. I found a job and maintained payments as ordered. Unfortunately, I was unable to make the December 2012 payment because I had some financial problems which needed sorting out. Late last month Chelsea's solicitors wrote to me stating that they have applied to court for eviction date. I then paid the December payment and confirmed I can make the January payment by end of this week but they are insisting on payment of at least £2500 (half the current arrears) before they would suspend the eviction. I have phoned both Chelsea and their solicitors several times pleading with them to agree to cancel the eviction on payment of the January instalment (I even sent them last week a full statement of my income/expenditure showing I cannot afford to pay the amount they are demanding) but they have refused. Now I have received an eviction date for 19 February and I have been advised by CAB to apply to have the warrant suspended, but I have no idea how to do this or any confidence that it would be successful. They cannot help me because I'm working. I am very worried sick about losing my home. I know my financial problems are now behind me and I can maintain the normal monthly payments as I work full time, but I cannot afford to pay the amount Chelsea are seeking from me at this time. Can you good people please give me some advice?

Hello, We currently have a conundrum in our household and would really appreciate some advice. My partner has worked for a certain company for over 5 years now but his contact did not specify particular hours in it, only that he would work a set number of hours per week. My partner is also my carer and before now, this was fine. He would generally work 6am - 2:30pm (in reality until 4:30/5pm as he put a lot of his own, unpaid hours into that place out of conscientiousness). This has been the same since I met him (1.5 years ago) and now that he lives with me, the regular pattern is good as one of my conditions cannot allow me to have a changing shift pattern - it would be highly detrimental to my health and put me at greater risk for things such as heart disease and stroke. As he does the cooking and housework and helps out with medications, shopping and accompanying me on outside ventures, he has been amazing. The problem has now arisen with his workplace moving him to a different location and drastically changing his hours so that he has, for example, worked from 7am-3pm today but they want him to work 3pm to 11pm tomorrow night! He was not informed that the new store had these sort of hours and as soon as he was informed, he put in an official request for flexible working hours - saying that he could be available from 6am until 4pm (5pm in reality for him) but they have refused it and allowed him to be given this shift tomorrow, which they all know is impossible because being a carer is not just a whim and I would not be able to function properly and my health would be jeopardised if he agreed to this. He is thinking of going in at 8am tomorrow, to attempt to work a shift until 4pm, armed with a grievance letter but even with citing 'Customs and Practice' and working so hard for them all these years, I can't see how we can move forward from this because his original contract doesn't have the set hours in it. They don't even need him to be there tomorrow so I suspect they are doing this just to be able to use 'Performance Management' on him and eventually get rid of him that way. This is so unfair on him and I feel terrible that he is being forced to choose between my health and his job. They say they offered him alternatives but they did not - they all had the changing hours in or were a permanent nightshift, meaning that I would have to be in a permanent night shift pattern to and would not be able to attend any of my medical appointments etc! To make matters worse, they originally insisted on having a meeting with him to discuss his request on the day of an important hospital appointment that he had said he needed to take me to - they were fully aware that that was his day off to do that! Even the rearranged appointment meant spending several hours in work on another of his days off. I guess our main question is this: Should he hand in his resignation and if so, should we put anything like 'Frustration of Contract'/'Unfair Dismissal'/'Constructive Dismissal' as our reason for this or should we wait for him to be sacked after loads of disciplinaries for being unable to work their latest hours? Also, how might this affect his entitlement to benefits such as Jobseekers? Sorry this is so long. Thank you for reading this and please advise if you can. All help is greatly appreciated!

Hi All Currently at my work there are 16 people who work 12 hour shifts and 4 people who work 8 hour shifts. We work 24/7 and receive an unsocial hour allowance when working between 20:00 and 08:00. The people that work 12 hour shifts do nightshifts (20:00 - 08:00) and the people that do the 8 hour shifts work from (18:00 - 02:00). Currently this means that the people that work the 12 hour shifts get around £300 per month more and have an extra 90 rest days per year than the people that do the 8 hour shifts. This is the way it has been for years, however now the organisation is having a national shift review and reducing our working week to 37.5 hours. This means that the staff have been asked to provide a new shift pattern to incorporate this. The shift pattern that has been proposed involves the 16 people that are working 12 hour shifts getting an extra rest day and increasing their unsocial hours (in effect giving them an extra £50 per month). The people that are working the 8 hour shifts have had their unsocial hours cut (in effect reducing their monthly wage by £150) The implementation of a shift pattern will be done by a majority vote. None of the people that do the 8 hour shifts want to work the new shift pattern but we have been told that as long as 11 people overall vote for it, it will go ahead. Is it right that the people that will never work the 8 hour shifts get a vote on implementing them? Do the people that currently work the 8 hour shifts have a right to do the same as their colleagues and work 12 hour shifts? We all do the same job and will all work 37.5 hours a week. Surely its not right that the person standing next to me (hypothetically) gets £400 per month more and an extra 90 days off a year? Any advice would be appreciated.

Hello! I received a statutory demand by hand on the 3rd Jan. I've contacted the CAB as it states on the form but they couldn't offer any help or advice on how to get the thing set aside! It's for £5000 and its the balance of a loan from the bank for £25000. I requested a copy of my credit agreement which they didn't have, and from the little research Ive done and from what I've heard that means the loan is unenforceable? Is it correct as well that if I was self employed when I took the loan out they shouldn't have sold me PPI? Any help/advice welcome!

Hi All I wonder if anyone can comment further on the vulnerable status and what difference it makes to the councils action. I had a bailiff visit today. I refused to let him in so he said "okay I'll give you five days" I'm really worried. I am on the sick at the moment with depression. The council are aware of this yet they have still sent a bailiff. We do owe the money and it has come about due to loss of income due to my illness. We also have an adopted daughter who is eight and would be extremely distressed by bailifs coming into the house. I don't know what to do or even what my options are. My wife works but her income although reasonable, isn't enough for us to pay £1,600 just before Christmas. We had two liability orders and paid one in full a few months ago but couldn't pay the second one. I did communicate with the council and they promised to send me I&E forms but it took two further emails over about six weeks until they eventually emailed them to me. How can I stop this bailiff returning to take our stuff in 5 days. I have been getting better but this is making my depression worsen again. Any help would be most appreciated Thank you

Hi all Not sure where to post really so though I would try here first. Been laid off work last week. Was working for an agency, full time for about 7 months and last week we were laid off until further notice. We didn't even get a hint of any up-coming work. I'm in a bit of a panic now 'cos although I've been paying my mortgage in full, I am nearly 6 months behind. Halifax were kind enough to let me pay my full contractual payment which was easy when working but I couldn't afford to pay any more to decrease the shortfall. I'm also in arrangements with my other creditors from the past. On top of all this, I have the usual bills to pay, Council Tax, Water Rates, etc etc As much as I want to find a job today, I know it will be hard securing one. I'll do anything to earn some money to keep the house etc. I phoned Halifax and told them I could only afford a 3rd of the contractual payment and they've refused because of my shortfall being nearly 6 months worth. They've past my file onto some team within (can't remember what she called it) and said the team would be in contact shortly (this was last Friday). On top of all this, my mum is dying of cancer and I'm at my wits end now worrying about everything. I cannot sleep at night thinking I'm gonna lose a lot very soon. Where do I start to try and appease my situation? Any help would be appreciated thank you. Alan