I do hope anyone can help me out with this, I am looking for anyone that has had problems with warmsure/warmfront/carillion plc in particular with grant work or even privately. If anyone has had problems with this company or know of anyone that has please post on this thread I will be taking them to court shortly against these and need to gather as much supporting evidence as possible. Thank You

hi i have a friend who bought a car on finance - the payments were made with no problems - 6 months after she traded it in for another vehicle financed through the same company - although the car sales place took the car back and gave her another one the outstanding finance was just added to the next car so the debt increased with all sorts of credit charges within a couple of months the car sales company contacted her to talk her into exchanging her car for another "better" car again the car company took the original car back and sold it but the outstanding finance was again carried over to the third car the debt now totalling over £16,000!!! she is was paying for 3 different cars - then her life fell to pieces - she lost her job relationship home etc she went to the company she bought the car from and asked for help but they refused to help - she went into default and they hounded her and her mother and hounded her at her new job (which resulted in her losing that job!!) they intimidated her into signing a voluntary reposession agreement - the finance company then passed the debt to a collector who hounded her constantly and have increased her debt by over £1,000 in charges - i have been trying to help and we have written to the finance company and the collectors - once we began to dispute the whole situation the finance company took the account back from the collectors - at the moment we are waiting for an SAR response (which i dont think they will do as the 40 days are nearly up). but i have a few questions which i cant seem to find answers to 1) when the cars were part exchanged why wasnt money from the resale given back to my friend to pay off outstanding finance? as this means the car company have had two lots of money for the one vehicle 2) when they forced my friend to give up the vehicle it was taken from her works private car park - i thought a vehicle could not be repossesed from third party land? 3) when the last car was sold at auction they did not inform her they were doing so - i thought under the CCA they had to inform her of where and when it was going to auction 4) i thought they had to issue a repossession order at least 15 days before they were going to attempt to take the vehicle 5) i thought it was against the law to sell a vehicle that still has outstanding finance on it? so how did they manage to do this through all the exchanges of the vehicles involved. 6) although we have said this account is in dispute and asked for an SAR they are still sending threatening letters from thier litigation dept - demanding income/expenditure forms are filled in and an offer of repayment made - are they allowed to do this? i really need to help my friend because this is just sending her over the edge she is in such a state and i do not exaggerate when i say she is near suicidal - please please help us on these points

:-xThe Facts are 1: My sister worked for 9 years in a small firm. 2: She was made redundant through text message (on 20 December 2012). 3: in that text message, even employer calculated for her the amount her redundancy pay could be; 4: However, She received a letter in January 2013; her former employers stated that she was dismissed because of gross miss conduct due to a forged letter that they found on her desk on 21th December 2012. In which she denies strongly. 5: Then now she sued her former employer for unfair dismissal, for the fact there was not really redundant issue had discussed, and no consultation. 6: in few weeks time, she has a hearting sitting at Employment tribunal. Please gives us some advice as she is representing herself and no experience Thank you.

Hi All Last year I put in a claim using a PPI claim agent against Kensington Mortgage Company r egarding the mis-selling of my cover when I took out a mortgage. As a result of mis-selling I was not covered when my business went under and as a direct result I lost my home. I filled out all the paperwork correctly and called on monthly basis to chase the claim, I was told Kensington had never heard of me, and that they needed previous addresses. These I provided and last week made another call to chase the claim. Imagine my amazement when the guy on the other end of the phone told me they had made an error and had in fact contacted Bradford and Bingley by accident which is why they had no record of me. The problem I have is the 10 year time limit ran out last October and I am not sure what to do next. Many thanks

eviction date due tomorrow 26/4 tried speaking to lender (2nd mortgage) to no avail, not willing to help in any way. they want full arrears paying before they will even take a payment. what can I do, have had eviction date suspended before, original payment was 75 per month at last hearing judge ordered me to pay 250.00 extra on top but a one off payment of 1,000.00 which Kensington wanted. Kensington will not just take the monthly payment plus agreed arrears until I pay the 1,000.00 which I haven't got and cant raise. when you call them (on a daily basis) you get passed from pillar to post and every time they wont accept payment until they have the 1,000.00 - am at wits end, cant sleep HELP ....

Your Support Needed Before Its To Late! PIP ENHANCED MOBILITY ONLY FOR PEOPLE WITH INDOOR MOBILITY PROBLEMS The DWP appear to be planning to only pay the enhanced rate of the mobility component of PIP on physical grounds to claimants whose mobility is so restricted that they have difficulties moving between rooms indoors. Those who can manage indoors but have difficulty outdoors may only be awarded the lower rate of the mobility component. Atos and Capita, the companies carrying out PIP assessments, have been told that: “20 metres is considered to be the distance that a claimant is required to be able to walk in order to achieve a basic level of independence in the home such as the ability to move between rooms. “50 metres is considered to be the distance that a claimant is required to be able to walk in order to achieve a basic level of independence such as the ability to get from a car park to the supermarket.” To score the required 12 points to get enhanced rate mobility for physical health problems alone, a claimant must prove that they can’t stand and move more than 20 metres even using aids and/or with assistance. This means that in the majority of cases the private sector health professionals are likely to be looking for evidence that the claimant has problems with indoor mobility, rather than outdoor, if they are to be awarded the enhanced rate. You can read more on this here (open access) PIP MOBILITY CHANGES MAY BE ILLEGAL – YOUR HELP IS URGENTLY NEEDED Meanwhile another group of claimants has secured legal support to challenge the last-minute change to the PIP regulations which deny enhanced rate mobility to anyone who can stand and move more than 20 metres. They will be arguing that the failure to consult about the reduction of the limit from 50 metres to 20 metres means that the change is unlawful and should thus be quashed. If successful it would be a bigger blow to the government than today’s forced labour ruling. The result would be that the DWP would be obliged to consult all over again on the changes before they can be introduced. In the end they can still ignore the results of a new consultation, but they will face a very determined battle and will have no opportunity to claim that disability organisations supported the changes. At the very least it would set the introduction of PIP back months. At best it could even result in a fairer set of rules for the mobility component. But the campaigners desperately need claimants who fit very tightly defined criteria to come forward to be the ones who actually challenge the DWP. In order to bring the case, assisted by Leigh Day solicitors and barristers from Doughty Street Chambers, they need claimants: Who are eligible for legal aid – check your eligibility here (external site) Who currently have a DLA award including Higher Rate Mobility component Whose DLA award is NOT due to expire until after October 2013 Who, on re-assessment under PIP, whenever that occurs, are at risk of losing out on the enhanced mobility component of PIP because they can walk over 20 metres or so but cannot walk up to 50 metres. Who do NOT have any difficulty planning or following a journey (eg due to mental health, cognitive or sensory impairment). There are other criteria which are desirable rather than essential, which you can read about on the blog (external site) of highly respected and experienced ‘We Are Spartacus’ campaigner Jane Young. If you think you fit the criteria and are willing to take part, please contact Jane via her contact form as soon as possible, time is very short.:sad:

Hi i have been a tentant for 8 yrs at my rented property and found out my landlord went bankrupt and a possession order was made against the house so i went to court to suspend the decision and give me 2 months to find elsewhere which was granted till 23/01/2013(we were also advised by the banks client that if we had found somewhere and it moving date was a week after the 23 jan then to contact them and they would consider putting the eviction off till for a week. we then found a property which would wouldnt be ready till the 28th jan so i contatacted the solictor and they agreeded to the extension,since then another creditor G E Money put another possesion order againts the house which falls on the 23rd jan so i contacted them and asked for a delay of several days and sent copies of the my tennet agreement plus a confirmation letter of the landlords of my new property showing the move in date which they asked for and also once they got this they would give us the time needed.and once they recieved this proof they then said sorry we wont agree due to another creditor also having a claim againts the propertry. what i really need to know is can i go to court tomorrow(appointment at 10:30 am) will i be able to suspend the warrant againts G E money which gives me and family the days needed? thank you for taking the time to read this and if possible and speedy response would be very grateful,thanks paul

Hello i am 24 years old, around 4 year years ago i lost my mother, i subsequently spent the next two to three years going off the rails and getting into debt, i am now stable and working full time as an estimator and going to uni one day a week to attain a degree in engineering. I have just signed up to experian to view my credit rating and the extent of my debt is as follows. I want to sort this mess out but dont know which way to start as it is such a mess. Court information 9000 unsecured loan nationwide which i now have a ccj for 3500 overdraft which i now have a ccj for Credit agreements 691 credit card stopped receiving letters now 142 Tmobile 3346 natwest These are the ones that show on my credit report. i also owe an unknown amount to payday lenders estimated £1500 2 years council tax, the debt was sent to equita, they sent it back to the council and it is now back with equita 700 water bill 700 gas repaying 5 pound a week off meter 1400 electric repaying off meter there may be more that i am unaware of Financial situation i have a mortgage owing £43000 on a £12500 so around £80000 equity 2000 arrears but a payment plan in place. the only debt secured on the house is the mortgage. any advice, no matter how small will be much appreciated. many thanks

Hi just wanting to know if anyone can help me.just lost my job and i owe £2800 on a overdraft with the halifax bank and £2000 on a catalogue.but since iam unemployed a can no longer afford to pay these bills what can i do ? My head is all over at the moment. Please help me . . .

Hi all. I need a little help understanding a letter i have received today from Arrow Global. I will first give brief details of the case. AG/Bryan Carter made a claim for a CCJ against me at Northampton CCBC, i defended the claim as i cannot be 100% sure this was even my debt. Defence received by the Court on 03/09/12. 04/10/12 letter received from Bryan Carter stating he is no longer acting for Arrow Global. 05/10/12 letter received from Arrow Global as follows, letter is dated 04/10/2012 We refer to your defence filed 30th August 2012 Please find enclosed the Notice of Change that we have today sent to the court by way of service against you. Please therefore ensure that all future correspondence is sent directly to us. We have read the details of your defence and respond to the same as follows. With regards to point 2 and 3, we can confirm that the claim form was issued by the NCCBC and the courts protocol was followed when issuing the Claimant's Particulars of Claim. Practice Direction 7C point 1.4 (3A) eliminates the requirement to attach the documents to the Particulars of Claim when they are issued by this court. In response tp point 5, we are unsure why you believe we are not entitled to the monies owed and ask that you clarify this point further. In response to points 6 and 7, we can confirm that this claim relates to an MBNA credit card taken out on the 4th June 1996 and defaulted on the 15th January 2007. The last payment made on 30th December 2006. Further Arrow Global acquired the account on the 15th January 2007 and sent to your pursuant to the law of property act 1925 the notice of assignment on the 31st January 2007. We hope that the above information helps you to identify the account. Should you still wish to defend the claim, and in order to attempt to rectify the issues surrounding the particulars, we ask for your written consent for us to amend the particulars in line with CPR 17.1(2). We look forward to receiving your written consent for the particulars to be amended which we trust will be in both parties interest. I have no idea what this means or what my next step should be. I have today 05/10/2012 phoned the court, they told me that they have yet to receive anything from either Arrow Global or Bryan Carter. Can someone please explain to me in layman's terms what Arrow Global's Letter means and what i should do next. Thank you all.

long story... but I have a bankruptcy order hearing coming up. I have a few questions... 1) I am on benefits with no assets, however I recieve csa payments are these taken into account in income? 2) The amount the creditor has stated is 10000 when the last bill I had was 7000 and they have refused to provide a breakdown. 3) because I am on benefits do I just let this difference go 4) It states hearing is 5 minutes in length, do I need to attend. How long after is appointment with or? 5) I only have a basic bank account with barclays will this still be closed? 6) Can I use my account inbetween hearing and appointment with OR? I don't see any other option but to allow this bankruptcy with no fight

I have just received a visit from a representative of the "The Sherrif's Office" with a Writ of Execution to seize goods for a debt. Now apparently I was taken to county court for this debt on 5/12/2008 although I have no knowledge or memory of that, I was ill with depression at the time. I have had no correspondence regarding this debt since that time, from anyone, and then the bailliffs turn up. The total of debt and costs on judgement etc is £775, and their charges to collect are £659.59 as things stand at the moment. The person who attended, he didn't identify himself by name told me I have 5 days to send in a breakdown of my income and outgoings, an acknowledgment of the debt, and a proposal to pay within 5 days to prevent further action. I am a stay at home dad and the only income of my own I have is child benefit. I am totally supported by my wife. Any help and advice members could give would be much appreciated

I had a frantic phonecall from one of my friends this afternoon. Because I've worked in solicitors' offices in the past, she thinks I'm the proverbial fount of knowledge. I do know quite a lot about various aspects of the law but this is not one of them. To cut a long story short. Her niece is a hairdresser and works for a salon. She's been there about 4 years. She was given a contract of employment at the time but during a house move lost her copy of the original document. She has asked her employer to let her have another copy to no avail. Recently, the salon she works for amended the contract of employment and issued terms that encroach upon her personal life and free time - what she can and can't do etc. However, that is not the problem at the moment. What is the problem is she had a dispute with the manageress last week which got quite heated, to the extent that one of the other stylists came in and told them both to shut up as they were upsetting the clients. It would seem that she swore at the manageress and from what I can gather, the manageress swore back. This morning she got a letter pushed through her letterbox dated for Friday 17th August telling her that she has to attend a disciplinary hearing on Monday 20th August at 9.30am and that she can take a colleague with her or a representative from a Union. This is with the manageress and her daughter who also works at the salon. She is not getting any time at all to prepare her "defence". My advice to her was to call the Union (of which she is not a member) at 9am but if she is to attend this "disiplinary meeting" at 9.30am, she is not going to have time. Surely this is illegal? She has asked me to accompany her and even represent her. However, I have been reading up on this and it seems (at least to me) that it has to be a colleague or a Union Rep - of which I am neither. I don't want to give her bad advice or raise her hopes but equally don't like to see her treated unfairly either - and I'm well aware there are two sides to every story. Can anyone point me in the right direction on how she should go about this? From what she's told me, being quite frank, if it was me I'd tell them where to stick their job and have suggested to her that she start up her own hairdressing business, perhaps going to peoples' houses - how one of my hairdressing friends started out years ago and quickly had her own salon.

Hi everyone, I really need some advice and help! I have had an ongoing issue with Utility warehouse for months ever since I moved in my property. It is my mums house and I rent it from her, Utility warehouse were her provider when I moved in. She gave them a final meter reading and agreed a repayment plan to pay off some money she owed. We Moved in and the problems started! Firstly they would not let us change the name of the account due to the out standing amount, all the bills have been addressed to her never the occupier even though she had given them her new address. I tried to change my name over numerous times, they wanted copy of the tenancy agreement which i have sent by email a million times but they have never recieved apparently. Then comes the price of the bills - for 5 months they wanted £800!! I disputed this and they told me is was on an estimate. that they would look at the meter readings and send a revised bill. This never appeared, then a letter landed on my doorstep saying they were obtaining a warrant to enter and fit pre payment meters. I rang again gave new meter readings (even though the account isnt in my name they are happy to tell me all the details every time!) Told me I was owed £410 in credit I said this was right and to send me a bill with the revised price and I will pay, was told as soon as I paid all action would be stopped - EVEN THOUGH ITS THEIR MISTAKE!. New bill arrives with the SAME 800 on there!! Next a new letter comes asking me for pictures of the meters? and to email them in! Before I have even had a chance to do this I came home to a letter saying they have a court order to come into my property on Monday and fit meters with force!!!!! When I called them AGAIN I was laughed at and told I should have paid my bill. Erm I would if it was right!!!! I have no idea what to do now, I do not want them coming in and fitting a meter to take money when I dont even know what would be taken? Can I stop them coming in anyway?? This letter is the first one to ever come here that says to Miss ***** or occupier surely if i show them the bills are not for me but the previous they cant come in? PLEASE HELP!