Hi All, This is my first post but I have been reading through all your posts for a while now and I've gained tonnes of knowledge from you all, thanks! I would like to put my current predicament up here to see if anyone can offer me some good advice specific to my case. I have just vacated a property which I have been renting since January 2010 on an Assured Shorthold Tenancy. I paid a £700 deposit to the Landlords agent at the time, we have had rolling 12 month contracts since then which the Landlord has taken care of himself. On the original contract it was stipulated that my £700 was held with The Deposit Protection Service and subsequent contracts have stated "held in bond scheme from last agreement". Upon leaving the property (in excellent state of repair and with rent paid in full every month) I have discovered that there is no record of my deposit ever being paid into the scheme. I got in touch with my ex-landlord a couple of weeks ago and he said he'll get back to me....guess what! He's gone quiet. Following advice from this forum and Shelter I have drafted a "Letter Before Action" and prepared the N208 claim form. Before I instigate matters I'd like some reassurance that I'm doing things in the correct manner and that I stand a fair chance of getting my money back. Thanks in advance!

Hi firstly I will say I am new here as I need some help from people with a greater knowledge than I have. I thought I knew about this stuff untill now! This is a completly different ball game! I will start by saying I received a letter from Northampton about 10 days ago which was dated 30th Jan 2013 and gives me 14 days to respond! I sent back the acknowlege of service back (received by Northampton on 18/02/2012) an need to get my defence in by Monday 4/03/2012 so not long to formulate this! Can anything be done about the time I have to respond as I don't have much time left? This is Welcome Finance trying to take me to court (CCJ) for a loan I had with them way back in 2006 which I thought had become statute bared. I wont bore you with the why I havent paid it etc as that is in the past and have to deal with this now and by the looks of other users the next few months. I took out a loan with Welcome in early 2006 for £4000 and had to take the usual ppi etc before they would give me the loan (By some miracle I actually found the original agreement) Anyway The last time I had any contact or made any payment to Welcome would have been late 2006 or at the latest Very early 2007. And I will also point out I have not claimed against them for my ppi back so that is still included in the ammounts below. I have not heard anything from them due to relocation untill this Claim form turned up at my parents address, which I found strange as I have'nt lived there in over 10 years! and my current address is on my credit file and electoral roll. Thats a bit of the background I will give you the Particulars of the claim It says "The claimant claims for sums due under a/various Credit agreement(s) related only to money regulated by the Consumer Credit Act 1974 entered into between the claimant and the defendent. The agreement(s) was/were terminated upon the defendent failure to comply with the terms of the agreement(s). The claimant complied with section III and IV and Annex B of the PD pre-action conduct. And the claimant claims: Personal Account number xxxxxxx ballance of 7,408.94 as of the 11/12/06 Interest under s69 of the County Court Act 1984 at the rate of 8% a year from 11/12/06 to 30/01/13 of 3,640.73 and also interest at the same rate up to the date of judgement or earlier payment at a daily rate of 1.62 AND costs" Thats what the perticulars are and the company dealing with this is Hegarty LLP I have a few questions I hope you will be able to help me with! I think this is statute bared so that could form my defence but to see if it is I need them to reply to my CPR 31.14 Request which I am not holding my breath on! I didn't receive a litigation threat letter so is that grounds for a defence? No recolection of a default notice but it does show on my file also no termination notice so is any of that a basis for defence? My agreement may be unenforcable (It looks like it could be but needs an expert eye to confirm or not) so could anyone have a look if I scan it in and upload it? By the fact they have sent this to my parents address could that be viewed as them trying to get judgment by default as my actual address is on my credit file and I am on the electroal roll, will that help in my defence? And lastly in the claim they are trying to clim interest on interest as the loan was taken out in 2006 for 36 months and the totals quoted are including the original interest on the loan and the 8% from 2006 that they can claim! This surly isnt correct? they can't claim interest on interest can they? Thank you for listening and sorry for rambling on and many thanks for your help in advance.

Some years ago I took out a "draw down" account with RBS, as part of the agreement I had to take out 2 endowment policies with Childrens mutual as a means of ensuring the loan amount would be covered. I paid the set amounts with Childrens mutual and the minimum re-payment to RBS for several years without problem. A couple of years ago I was unemployed and struggling with finances, I decided to cash in the policies with Childrens mutual, which being linked to the RBS account went to them and paid off a large amount (£14,000+) of the outstanding balance, and I continued to pay RBS minimum monthly payments. Early 2011 I found employment and during that time I changed banks, during the change I inadvertantly forgot to change the RBS direct bebit and missed 2 payments. RBS contacted me and made out I was trying to default and wanted the remaining balance (£7000+) paid off. I explained the cause of the problem and made a credit card payment over the phone for the missed amount and said why would i have paid off £14000 just months ago, if I had any intention of defaulting and suggested setting up new direct debit with my new bank account. RBS refused and sent out a form for me to fill in explaining how I intended paying back the outstanding amount of the account. I duly filled out the form and informed them I intended to pay back £100 a month (over 3 times the min payment). This was accepted and I set up a standing order paying the £100 every month to RBS. After 6 months RBS sent another form asking yet again how I intended paying off the remaining balance, when i phoned and questioned the form, i was told the original was a 6 month agreement and this one was a review. I filled in the form and made the same suggested £100 per month. After a few weeks RBS replied and said they felt I could afford more than my suggested £100. To be honest I ignored them and have just continued paying the £100 every month. Now some 2 years later a company called Incasso contacted my wife (as I work abroad) saying they represent RBS and demanding the outstanding balance of £7000. She informed them of the history of the RBS account and that how could I owe £7000 which was the amount 2 years ago when i have paid over £2000 during the last 2 years, and why I am being persued for the outstanding amount when I have continued paying 3 times the original minimum payment iwithout default for the last 2 years. As expected they refused to speak to my wife as she was not the account holder. My wife now tells me a letter has arrived for a County Court claim against me for £7185 and I have only 14 days to respond. I can't understand how this Incasso can proceed with a claim when I have made every effort to pay off the outstanding amount especially as I pay 3 times more than the minimum payment. Ok RBS may not be happy with £100 but at least I'm making every effort and have never missed payment. I feel I have a reasonable case but am concerned that even by fighting this in the upcomming court case I may lose and have a CCJ against me. My request for advice is what would be the best way to dela with this?, any advice (especially any from similar experience) would be greatly appreciated.

This is my first post and I am wondering if someone can give me advice. I have checked through several threads and made notes but am now confused as to how to proceed. Just a brief explanation so far: I have received a claim form from Northampton Bulk Centre regarding impending action. I am searching through my paperwork and am panicking. I only received it on 13.2.13 and the date of issue is 13.2.13, so I only have a short time to reply. I am sending back my acknowledgement stating that I am going to be contesting the claim. I requested my water company allow me to install a water distiller and have found that the Dept of Health will cover the payments for this. I have received no response from the water company, just a string of aggressive and threatening letters. Any suggestions would be gratefully received. Thanks.

Some months ago I read that a number of people were grouping together to take some sort of legal action against Vanquis Bank for harassment. I lost the item but it was probably on CAG or something similar. I have recently won the financial side of a small Vanquis claim out-of-court, but did not pursue the harassment aspect because I wanted to work together with those others who want to deal with Vanquis harassment separately. Is there a thread on plans for legal action against Vanquis Bank for harassment?

Hello folks, I understand that landlords are obliged not only to register a tenancy deposit with one of the 3 authorised schemes, but also to provide a deposit protection certificate or equivalent information. Details of that are in the appropriate sticky (I can't post links yet). My question is a more practical one: are there any cases of court action against a landlord who *has* protected the deposit but has *not* provided the appropriate documentation, even by the end of the tenancy? Or similar situations? What I'm really wondering is how on earth it would be practical to *prove* that such documentation has not been received? Surely the landlord would simply claim it had been provided, and it would be your word against theirs? Or is the onus on them to prove that they did provide the documentation? If so, can one demand such proof in advance of court action to guard against the nasty surprise of finding out they *did* provide the docs after all? Thanks for any help!

Ive been getting harrased by scotscall (calls, texts, letters) for a debt allegedly owed to david lloyd lesuire, they say i didnt give 3 months notice, i say that i did. they keep threatening court action, i keep telling them to go ahead, just tell me when i need to be in court. are they likely to actually take this to court? the debt is about £350 so hardly worth it?

Hi, I'm hoping for help please. I called the tax credit HMRC Debt Management team in Blackpool over my tax credit overpayment of £18k. I spoke to someone who said I had to pay the debt off within 12 months or the process will go to county court - which is this wednesday. The reason she gave for having to pay it off within 12 months is because I am on a high wage (46k p/a) and becasue the reason of overpayemnt was due to undeclared income. I originally disputed this claim which got rejected. I want to pay this overpayment but why can I not do it for over 12 months?

Just got a letter from the insurer of a car I had a small shunt with in July 2011. They say they've not had a payment they requested from my insurer at that time for repair costs and will start legal proceedings against me directly in 14 days. I've heard nothing from my insurer since Jan 2012 when they said they would be settling with the other insurer. I've forwarded the threatening letter to my insurer but I'm concerned at the way this is going. Is this a standard tactic when a settlement is involved? What happens if my insurer do nothing and I get the threatened action against me? I assume their claim will attempt to revisit the accident circumstances and some court decision made where I will become liable for some part of the costs they quoted. Would I then have to sue my insurer? *baffled* As an extra bit of comedy the 3rd party insurer issuing the threat is now my current insurer

(Oh joy, just in time for christmas! What a lucky so and so I am!) Hi All, need a little help with this Poc; Money due for creditcard services, pursuant to a credit agreement regulated by the consumer credit act 1974, supplied (card number) to and at the defendants request as detailed in monthly statements rendered culminating XX/XX/XXXX. Sum due at XX/XX/XXXX is £XXXXX.XX. Statutory interest to date at 8%pa £XXX.XX. The claimant claims £XXXXXX.XX, plus continuing statutory interest at £X.XX per day, pursuant to section 69 County courts act 1984. Costs. So far as I can tell (also by cpr 31.14) they're not relying on a DN or TN. Whether by breach or contractual termination. So whats the legally recognisable cause of action? Is this the new M.O. in the light of the re-re-appeal of Mr Brndn? (same leeches). Am I (still) right to say that Sec 69 county court act does not apply to regulated agreements? Any thoughts, or pointers? Cheers, Bill

Hi, I sold about 20 caps on ebay and my listing got removed and told that these caps were counterfeit. I received a letter by post a few weeks later from "new era" with the print screen of their order details and some undertaking for me to sign. I sent them the signed undertaking and agreed to never sell these again and i was unaware that these were fake. I sent the original undertaking by email and by post. they replied to my email saying that i need to tell them how much profit i made and i told them that after deducting all fees, posting fees ect i made about £240, and after about nearly 2 weeks, today i received a email saying that they will accept £225 by the 7TH DECEMBER!!. I am in no financial state to pay them £225! please help me with this, i will be grateful for any advise you guys can give me, do these guys really have a case? is there a way i can get out of this without paying them. I am just a student and i was trying to make some extra money by buying few caps from a wholesaler. thank you!

Back in July, I moved house (and to a different town and different local authority area at that). I had earlier this year had a large number of PCNs, most of which were succesfully fought and repealed with one outstanding which I paid. As far as I was aware all outstanding matters had been dealt with, and there certainly weren't any new PCNs in the last month or so before leaving, so if there were and the ticket was removed from my car I would have had time for the NTO to arrive before leaving. Today, I've come home to a letter from Equita regarding an unpaid ticket which apparantly has been through the court and a warrant of execution granted. They do not include any PCN number, any reference number for the warrant of execution they apparantly have, the VRN of the car involved, nor are they demanding any specific amount of money, only that I contact them before 'further enforcement proceedings' are started. The usual bailiff threats of a visit from the door and removing goods are not made. In the past I did have some PCNs which ended up with Equita, and this is not like any letter I've seen before, those all demanded a specific amount of money, were properly reference with the PCN and VRN and were much more specific about what would happen if I didn't pay. Also, as I scrapped my car as part of the move I've never had it registered as my new address, nor have I registered on the electoral role so I'm uncertain how they've even found me - my only guess can be they've searched council tax registers for people with the same name (my surname is uncommon) and are fishing to see what response they get. This is also the only letter I've had regarding this alleged ticket at all, so if they or the council knew where I was previously I would have expected correspondance before things got to this stage. A few things I'm wondering Is this likely to be a fishing letter to see if I'll respond or would they actually take action against this address without response from me or something else to confirm that I am the person they are looking for - if they are fishing it's even possible that this has nothing to do with me - my name might be uncommon but there were 2 of us in the phone book at my old town! Can they proceed without some kind of verified proof of where I live? What would be the status of the warrant of execution that already exists? Would that be to levy distress at a specific address (i.e. my old one only) or would it cover anywhere where they know (or believe) me to be? Would 'further enforcement proceedings' mean that they need to go back to court before they can do anything else at a different address? Can I apply to have the court order for the warrant of execution set aside on the grounds that I didn't know I was being taken to court and have had no opportunity to defend myself? If I go down the route of making an out-of-time witness statement on the grounds that I didn't have the opportunity to fight the PCN, accept it and pay a lower fee, or file a witness statement in time is this likely to be succesful (I've never had success with an O-O-T yet, but I've never before had the argument that I didn't live at the address they sent the information to)? Can I find relevant information out without contacting Equita - it's not about avoiding a ticket, it's more that to them all I am is a name with a sum of money attached to it and their greater concern is getting me to pay it, not about whether or not I actually owe it or have grounds to fight it so I don't consider them an impartial body to get information from! How long would Equita wait before taking any further action, to give me an idea of how long I have to sort this out? Any help would be greatfully appreciated!

Very useful information provided on this forum and from what I can gather I, or more specifically in this case my mother, has been overcharged thanks to bully tactics from the Task Enforcement bailiffs. I want to try and clarify some details that are specific to this situation so I can proceed in the best and most efficient manner. I was sent a PCN by Lambeth council for entering a bus lane whilst on my motorcycle. At the time I was unaware of the different access rules for motorbikes in bus lanes and after trying to challenge it then realised I was in the wrong and the fine had risen from it's original £60 to £120. Stupidly I didn't pay this off at the time and the next I heard of it was Task Enforcement sending me a notice to pay something in the region of £215. I got worried at the time partly because I didn't have that amount of money but spoke to a member of their staff over the phone and paid half the amount owed which was still a stretch at the time - bringing the owed amount to £107.50. Then, a month later, I paid an additional £27.50 bringing the owed amount to £80. In this time I have been staying increasingly @ my girlfriends house and work schedule went a bit mental so I, again very stupidly forgot to pay off the final £80. Day before yesterday bailiffs arrived at my parents house at 7.50am. My mother answered the door and immediately took the warrant off them but closed the front door - going into the kitchen to read it. My 70 year old father then comes to the door having heard the knock belatedly and opens the door. One of the bailiffs then puts his foot in the frame so it can't be closed again. There was then an awkward few moments as my parents couldn't get in contact with me - my mum told them that I no longer lived at that address - they said that that was the registered address so my parents were liable. They argued for a long time and my mum told them that they could take my motorbike which she said was the only possessions belonging to me that were at that address and it was parked outside the front of the house. It is effectively scrap and not MOT'd. They refused saying they wanted payment from my parents to the amount of £413.50. They showed the Warrant of Execution to my parents which showed the original debt decided by the court at £202. When my parents queried the 413.50 figure they said it was for van hire costs and the cost of their labour. My father asked where the van was ... they said around the corner. It escalated - they threatened to call the police, called my mother an awful parent for raising a son that was so irresponsible. My mum wanted to call the police - imagining I suppose that they'd side with a 65 year old mother and 70 year old father but my father wanted to avoid that so gave in and decided to pay. My mother ended up paying for it - my dad didn't have the money - though my mum doesn't exactly have cash to spare. She paid with a Visa Debit card for the full £413.50. They left a receipt for that amount but when my dad asked for a breakdown of the costs they refused to give that saying he had to contact the office. They also left a copy of the original Warrant of Execution. ( I have no memory of receiving anything from the court myself so I'm quite glad that they left this ... hopefully to their detriment). So with the original £135 that I had paid to them as well as the £413.50 we have collectively paid a total of £548.50. I know I've been overcharged but I want to clarify the process I now undertake especially considering that they bullied my mum into paying the amount on my behalf. I would have thought that my parents aren't legally obliged to pay for my debts. Like I said, I know I was stupid in allowing the situation to get like this but for the way they treated my parents and for overcharging me I want to make sure that I resolve the situation fully. Thanks for your help.

I just want to say a big thankyou .... ..my husband fought Robinson Way for a debt of £1500 and it turned out to be statute barred. ..his account is now closed. Also I was also chased by Robinson Way for a debt of £78.78 (NEXT Directory)which wasn't actually mine ...the new occupants of out old house thought they would pull a fast one and order £70 of goods in my name ...I checked with Experian and Next themselves. ..Robinson Way have now got the proof the debt wasn't mine. Also I had a debt of £7000 with a Yorkshire Bank Credit Card - Marlin were in pursuit of this (I had to finish work 8 years ago due to disability and couldn't pay my credit cards) .. .I pointed out that this debt was Statute barred and have now received a letter saying they have closed the account and they will not be contacting me any further. If it wasn't for this website, I wouldn't have had a clue what to do. Debt can put you into an early grave - there are so many people taking their own lives due to debt. I have spread the word amongst my family and friends about this website xx

Hi I have a question.. Currently on my second year with Ingeus (awaiting the outcome a job interview form last week), and I was worrying of the what ifs...-finishing the WP and going on the CAP. Is anyone able to enlighten me on how the CAP runs with Single Parents in mind. ? Thanks

I have recently had a letter through the door from High Court Enforcement Ltd a few points i would like to clarify 1/ I telephoned the person on the letter to explain that there is a vulnerable person at my address ie my partner who is currently on long term sick after a heart attack last year, and asked her to return the warrant back to the client and i would make an arrangement to pay them directly to which she refused and said that i must deal with them directly.??? I asume this is not the case what do i do about this 2/ There are fees of nearly £800 already added to the actual court order and they have only put a letter through the door/ and the actual letter has been delivered by a representative of the actual HCO so can they make any charges as officially can she actualy take any action at all even if i were to let her in? Advice would be gratefully received Many Thanks!!!

I owe money on 5 different credit cards, that i stopped paying last year. I sent each of them a statement of my financies to show that i couldn't afford to pay. I am paying a secured loan and a car loan. as these are priority debts At this point, i have no money to pay any of the credit cards, and am just keeping my head above water, so to speak. One of the lowest, has had a county court send me a moneywise claim. its for 3.5k and the court says nottingham, (i live east of london). Its a post office credit card. Its asking me to show all my outgoings, and incomings, but doesn't ask for proof of any sort. Is it just a case of registering with moneyclaim, and filling all the details in? never been in this position before, and no info. any advice from anyone?

Hello, In Pre-Action Conduct, I am expected to have tried my utmost to settle my dispute out of court, but what constitues an attempt to conduct negotiations? I am at the Formal Complaint stage. The online retailer has admitted fault, concluding they'd incorrectly sold me goods (as pictured & described) for the price-code of other goods. They attempted to send these other incorrect goods. To switch to the goods as-advertised, they demand the £125 price difference, which is in breach of contract and their own Terms & Conditions. I want them to honour our binding contract for the goods, but for an example of negotiation, am I expected to offer to pay for their courier up-to £25? Which? consumer magazine's sample Letter Before Claim includes, "I can confirm that I would be agreeable to mediation and would consider any other system of Alternative Dispute Resolution in order to avoid the need for this matter to be resolved by the courts and would invite you to put forward any proposals in this regard." - is this sufficient for negotiation? Also, how does this look for the bottom of my Formal Complaint, "If this cannot be resolved amicably, I will bring County Court proceedings against you for damages, being the cost of having to buy the goods elsewhere (source: Which? consumer magazine). Added to this any consequential loss including, but not limited, to an extra day's holiday for new delivery, and costs, and Statutory Interest of 8% per annum (source: MoneySavingExpert.com). And amongst other effects, this will be forwarded to the Trading Standards in Herefordshire and be on the National Trading Standards Database." Thanks,

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

Ok a bit of backgrounf info. I sold my car and posted the slip off to the DVLA. I didnt get a receipt in the 4 weeks and didnt contact the. I got a "Requisition" letter from them and pleaded not guilty and sent it to the Prosecutor at the DVLA, not the court. I was waiting for a reply before the court date as I had informed them in a letter attached with the not guilty plea that I would be on holiday and would not be able to attend. Nothing came and I was found guilty in my absence. I rang the court when I got back as there was a notice of a fine collection and collection order on the mat. I applied to re-open the case due to the circumstances. Today was the court date. I waited 3 hours before being called in, I told them that I had posted the letter to the DVLA first class and that I had done what I had been asked. The DVLA rep said it wasnt good enough, I then quoted section 7 of the interpretation act, the clerk then told me that earlier in the day someone else had been found guilty because the court had decided that on the requisition it stated that I had "failed to forthwith DELIVER notification to the secretary of state" and because of the word DELIVER it didnt apply. After a bit of arguing it out and banging my head on a brick wall one of the judges said as it was late he would have to hurry it up as he needed to leave to sort his car out! So I had 2 choices, adjournment or dont take it further and maybe get the fine reduced from £250! I have had no wages for 2 years, living on tax credits, I am self employed and havent made a profit in the 2 years, how can I pay a fine! I asked for it to be adjourned so I could get some advice from some fellow Caggers. Now I am back at the office I have looked on the back of a V5 and it states "RETURN the page opposite" I think the DVLA rep had drawn attention away from "RETURN" and focused on the "DELIVER" on the requisition letter so she can get the judges on her side. Can anybody help as I cant afford a fine.

Hi guys Hope you can offer me some advice as my parents have got into a bit of a pickle with these guys my mum signed up with them about a year ago after agreeing a £75 duel fuel tarriff with them to cover both electric and gas. Everything was going along fine for the first 7/8 months months or so the amount was taken out by dd no problems and then my folks received a letter out of the blue stating they were over £1k in arrears. My mum phoned them and was told that the £75 monthly payments were only going against the gas and not the electric hence the rather large bill. My mum obviously complained as this was not what she was sold and she received a letter of apology along with a £40 "goodwill gesture" credit. They then agreed the payments going forward would be £90 per month and that this would include payment against the arrears. Again things were fine for 3/4 months the payments came out as agreed then 1 month an amount of £150 came out. My mum never done anything about this and the following month an amount of over £300 came out. My mum then did notice this and immediately cancelled the dd and reclaimed the money. She phoned EDF and they claimed she is using a lot more electricity (heating in the winter). They then arranged another plan of £140 per month and mum phoned once a month to pay by card. She paid this for a couple of months and has now switched suppliers but the change doesnt come into effect until the end of next month Edf still supplying until end of jan. She has not paid this months bill and is a couple of weeks late making the payment this month. She has tried to make the payment but EDF are demanding an amount of over £600 to clear arrears in full which she doesnt have. This morning she has received a notice of legal action which states if she does not make payment in full by 20/12 they will visit the property to collect payment in full. It goes on to say if they are unable to gain entry they will apply for a warrant (under gas and electricity boards act 1954) to disconnect the energy supply. As I say she cant pay the £600 in full and is really worrying now. Would they cut off the supply of a disabled woman)?? Any advice would be greatly appreciated. EDIT: The £600 is made up of £190 gas, £300 electric and and dont know what the remaining balance is i presume charges

Hi All i have a small second hand furniture shop iv had for about 4 years its never going to be the next marks and spencers and money is very tight, i am always behind with my business rates iv always tried to make payments as and when i can afford to but i take a very small wage from this and my commitments for my home away from work are only just covered, as a result of the rates arrears they got passed to jacobs ballifs in september i spoke to the balliff about this and had to pay £50 on meeting with him and filled in a seizure of goods notice at that time the goods he listed were items off stock and i explained that it was obviously tools of my trade and i would have to continue to sell them he said in my ten years iv never had to remove goods so not to worry and to be fair he was very nice and understood were i was coming from. i have then gone on and made 11 payments but i missed two since i missed to iv still carried on paying and not thought anymore about it, untill today i had a hand delivered letter saying removal in 48 hours i contacted the balliff a differant baliiff to the one i spoke to the first time and even thou i offered there and then to make up the two i missed he wouldnt exept it and wanted the amount in full by sat 5pm or they would break into the property and take the items. i contacted the council again to see if they would take back the debt but they wouldnt. obviously the stock they listed at the walking possesion order time has since been sold what rights do the ballifs now have?? in the meantime i will carry on paying them as agreed but im worried they are going to come on saturday and break in??? any advice thanks

I had appeared in court today and lost a fast track claim, unfortunately for whatever reason a costs order was party granted to the other side. The costs order is for £13,500 - as I was leaving the court I was approached by the other sides council and was told that they will enforce it and take it all the way to bankruptcy. In terms of background I only have two assets, my home and my car, nothing else and I don't have any money to pay the claim whatsoever as I haven't paid any court fees either. I just wanted to find out what I could do? Any suggestions?

Hi - I am a new user. Any advice will be gratefully received. I am recovering from a serious stress related illness which started in 2003. I have been intending to check my credit card accounts,etc for ages but only just got round to it due to not being well enough through illness. I have the relevant statements. I have claims against a few companies but these go back as far as 2002. Am I right in thinking I can only claim for the last 6 yrs? Will the fact that I have not been mentally fit enough to tackle this be taken in to account at all? I also have a large claim against my bank but I am worried that they may close my account. Has this been happening? I may have problems opening another account due to a not very good credit scoring.

Hi everyone, I have received a threat from Severn Trent which says that if I fail to pay the due amount within 14 days, county court proceedings will be issued against me. The original bill was for £161 and to date I have paid £107 and £54 remains. My yearly rate is £218 but I only recently moved in so my bill is broken up. To be honest I am struggeling with money at the moment and I contacted STW last week to explain my situation, but all they were interested in was setting up a direct debit or payment card which I dont want. I sent a letter to them last week to inform them that I am withholding the remaining balance until December 31st (the money that I have paid so far will cover me up to this date). 3 days later I get the court action threat through my door. My question is- have I acted unlawfully by withholding payment? Am I within my right to do that? I have not refused to pay, but rather I want to pay on my terms. Any thoughts on this? Many thanks. Dan X