Hi all, just had a call from my stepdaughter. A bailiff is on his way within the next hour re unpaid council tax. This is the first Ive heard of it so looking for quick advice. Seems shes had a few warnings from the council and done nothing but I have to stop the bailiff if I can. Shes a single parent with a five years old son. The bailiff is refusing to take a part payment, or any payment by cash, insisting it must be paid via debit card. Why would he say that? Ive told her to lock her doors and windows and draw the curtains so he cannot see inside. Can she insist the council take this back even though shes stupidly ignored it up to now? Is there anything else we can do? Thanks all

Hello me my wife and kids are trying to movr from Leicester to Chester to be close to family. My brother got cancer and so has my Step dad i can prove that. We have been offered a house by Housing association well we did but now they are worried because they said we would need to claim Universal credits and they are convinced we will be sanctioned due to my wife handing her notice in .how is she meant to travel 3 hrs to work? surely we won't get sanctioned plus the housing said we passed the assessment and the house is basically ours but now have doubts due to being worried we will have no income due to sanction we handed in our notice at our current property

Hi Not sure what my next step with Blemain should be. I've been in dispute with them re charges to a secured loan I had with them (loan was £5000), the loan was paid off some time ago ( had a few late payments) They want around £2000 in charges form me though, I finally managed to get a breakdown of everything applied to my account when they addressed my complaint, they have rejected my complaints (they did offer a reduction of £300) I made the mistake of having many of my dealings with them on the phone (they are now denying things they have told me on the phone) I have received statements form them, my main gripe is the charge for insurance they hit me with and visits they claim to have made which I have no knowledge of The latest form them is letter form david watson solicitors informing me they will start repossesion proceedings to recover the charges Can anyone advise what my next step should be? Thanks

Today 24th September 2015 I received a letter from Npower dated 11th September threatening me with a bailiff, court and damage to my credit rating within 7 days of the date of the letter if I did not pay bills for £1128 and £2058 for electricity and gas dating back to a property I quit in May 2013. There was no supporting evidence or invoicing . I am also being charged apparently for their effort to trace me! (I have used Royal Mail forwarding services and received nothing from them prior to this letter.) My address is maintained on the electoral roll. Npower are aware of my address because they supplied gas at the property which I quit in June and sent me a refund cheque to this new address which i gave them for their systems update! I settled all my bills with my energy provider Npower on quitting the house I lived in in May 2013. I received a bill from Npower in August 2014 for over £3000 without supporting evidence for the former property. I contacted Npower and Ofgem and was told there was a systems error and the matter was closed. I had complained and referenced the back billing regulation which prevents energy companies from making these claims. After August 2014 I checked this old account to see that the matter had indeed been closed and I noted ‘account closed’ with no debt attached. I have spent the morning trying to make contact with Npower whose various departments are unable to help me and though I have emailled them with my complaint and received a reply that they are unable to assist within 48 hours . So I suppose my children and I are to wait for the bailiff!

My husband has filed N1 form against his mortgage lender for unfair charges after they rejected his initial claim. We have received a bundle from them last week followed by a threatening letter yesterday saying charges are fair and he would be liable for their costs if he does not discontinue his claim by a deadline given. What does he do next. Should he continue with the claim or write a letter to reduce the amount of initial claim and what case law can he prove to back up his rights on this. Thank you in advance

Hi, I have read numerous threads on the firm Palmer Biggs Legal, but still unsure what to do or how to proceed with a response as their tactics seem quiet forceful and also unreasonable with regards to costs asked for etc. I run a very small, loss making Ltd company, which specialise in aftermarket parts for BMW. The site is of our own design however as we specialise in the BMW brand, we did use a resemblance of the BMW logo as a favicon for example in our URL, an some of our replacement parts are supplied with separate BMW logos as they are required to complete the look of the complex replacement part. They claim as the photos of some of our products have trademarked logos on them we are IP infringement and that also customers could be confused to the original source of the parts i.e. they are genuine. I feel this hard to believe as the parts we sell are not even offered by BMW in the first place (we offer replacement parts but in different colour to OEM parts). However, the OEM part has a BMW logo them, which we need to supply in order to provide a good replacement. We have assumed that when we acquired the badges that accompany a few of our products that the supplier had rights to the logo etc. There was never as conversation about IP infringement when purchasing the badges. However, the badges have now been removed as we haven't sold any for over a year or more and also to save future headaches. I must stress that we do not manufacture any of the products or the badges, custom or replacement that are supplied with a very few of the parts that we believe are required in order to complete the look of the replacement part. Nor do we claim anywhere on the site that parts are genuine or affiliated with BMW. We received the original letter over a month ago asking for costs of over £1000, which included the firms research (basically screening shots of the site) and asking we sign their agreement etc and disclose stock, profits and suppliers etc. Reading advise on the forum , I did not engage with Palmer Biggs bit did contact BMW directly as I have nothing to hide and the also firm had made some mistakes on their original letter, which made me feel that the letter could be a fake or not a genuine. I was told by BMW that the firm does represent them for IP infringement and that I should do what they say etc. I also received a letter from Palmer Biggs with a photocopy of a letter, which implies they do represent the BMW group. Today I received another letter from the firm informing me that as we have not formally responded their client is looking to escalate proceedings if i do not sign their agreement with a daft court letter with Palmer Biggs claiming up to £15,000 in costs and damages on behalf of BMW. Considering we have not sold many of the items they originally highlighted for over a year on the site and we are a company operating at loss can they really claim that amount? I'm unsure of how to respond, they have given 7 days to reply. Advice would be appreciated.

Received County Court Claim form today and require some urgent advice. My wife has been ignoring debt collectors for a few years now. Someone committed fraud on her account years ago and the bank refused to accept responsibility and for a few years since she was paying back the money, until she decided to stop paying. we have now received a claim form and would like to know what our options are? My wife is adamant that she is going to defend this and should not have to pay the money as it was fraud committed on her account, so she shouldn't have to pay it. As far as I'm aware nothing was signed to say that she owed the money but rather her bank refused to accept responsibility so she was lumped with the problem. Does she have much of a chance?

Hi All, I am in dire need of assistance! I have recently been applying for a Mortgage which has been declined last week due to a default being placed onto our credit files (Me & my wife) by Halifax for an old basic current account which we have not used since 2009. A brief timeline of the events so far.... 17/07/2015 - Applied for mortgage via broker, lender credit checked and issued DIP the same day. 31/07/2015 - Unknown to us until yesterday a new entry for "Halifax" added to both my Wife's and my credit files. 17/08/2015 - Formal mortgage application sent to lender. Lender conducts another credit check and obviously discovers that a default has been added on since the initial credit check they carried out in order to issue the DIP. We had already chosen the property, had the offer accepted etc. The solicitor has ordered the searches as well so we could be considerably out of pocket. I have not had an adverse mark placed on my credit file in over 4 years so to have a default placed 2 weeks before a formal mortgage application is just about the worst thing that could possibly happen timing wise!! What is even worse is that the default is for £39!! The entry on our credit files is as follows: [ATTACH=CONFIG]59110[/ATTACH] As above this account has not been used at all since 2009, we have zero communications from Halifax no statements, letters nothing whatsoever. I managed to find some old paperwork with the account number on it so called into a branch today to en quire as to what had happened to cause a default to be placed suddenly after so many years of inactivity. The chap I spoke to in branch trawled his computer to find the last transaction and issued me with a mini statement which reads as follows..... Sheet: 1 Of 1 Date Issued: 13/02/2010 Date Activity Paid Out Paid In Balance 13Feb10 0.00 13Feb10 CHG ACCOUNT CHARGE 15.00 0.00 15.00 DR TOTAL PAYMENTS/RECEIPTS: 15.00 So as you can see the balance on the account was zero, then for some unknown reason Halifax applied a charge of 15.00. Presumably this has been incurring interest for the past 5 and a bit years hence the default of £39.00. There are no other transactions recorded for this account after Feb 2010. I appreciate the correct approach to this would be a SAR etc.. however as explained above I have just had my mortgage declined. Our existing tenancy agreement terminates in October with no change to renew. And I dare say we will struggle passing the stringent credit checks carried out in the current rental market. So I need to fix this problem as quickly as possible, we also have an appeal in progress with the lender which I am pretty sure will not succeed whilst these marks remain on our file. In summary Halifax have put us into a dire position by registering defaults based solely on a single bank charge some 5 and a bit years down the line!! Without any notification whatsoever. Obviously I need to send a letter asap but my head is a shed at the moment and would appreciate someone giving me some starting points.. Many thanks in advance for any assistance offered.

Hi everyone! Sorry for the slap dash post but I am currently in urgent need of help in regards to bailiffs. Today I was at my girlfriends house when a pretty big bloke knocks the door her mother goes and answers it expecting nothing. Turns out its a bailiff looking for money that is owed due to non payment of council tax [its something to do with when ny girlfriend went off to uni and they were still paying her mother tax credits and they wanted the payments back, something like that ]. hes there for ages and says hes going to clamp the car and he goes to get a big chain and one of those big wheel clamps and starts doing to the tyre in with it - the car is not in my girlfriends mother name and she's telling him this eventually after so long she finds the documents to show him and he unclamps the car. Then hes saying hes going to come in the house to do inventory and I tell her not to allow entry as he has no right to access the property which I am sure is true [was just rattling things off I'd heard to help against the bailiff]. however long goes by and he says he'll be back at 7am tomorrow with a removal van to start collecting things - the thing is is that the property is rented and also furnished [in the tenant agreement] if this is the case which it is does that mean that the bailiffs will not be able to remove anything from the property? Also what other things can be said to stop the bailiffs? She offered to pay £250 at the door because that's all she had and at least it was a start but the bailiff declined the offer. I've read things such as court warrants being needed to allow any access to the property/removal of goods and also a police officer has to be present but I am not sure how true these statements are? Long story short - Bailiff coming back tomorrow but house is rented with furniture, can bailiffs remove anything from the property - what/who does the bailiff need present to remove/gain access to the property? Any help I will be grateful for as this is not a situation I wish upon anybody!! All and any help appreciated! Thank you, Sloth.

Hi, firstly thanks for reading my post. The reason for urgency is that today I received a letter giving me 7 days to reply. It is dated 1st May, today is the 8th! Lowells/ BW Legal originally tried to get money from me and I sent them the official template letter saying 'prove it'. They ran out of time. They have now started something different saying 'Notice of allocation to the Small Claims Track'. I am required by the court to complete Directions Questionnaire regarding settlement/Mediation. They have included in their letter a copy of my alleged Littlewoods account statement. And a credit agreement that is UNSIGNED!!! They STILL have not proved that I owe this debt. (The questionnaire also asks if I believe the small claims track is the appropriate track, if that is of any help) I need to email today. (its too late to post to court). If it helps here is some further information: -I last submitted my online defence on 3rd March 2015. They did not comply. No signed copy of agreement, no proof of debt being sold etc -There was no further contact between us until 8th April. -They are attempting to mediate. I don't know whether I should to the hearing or mediation or reject the small claims track attempt. I don't know what to put on the form Please help me! Thank you

Afternoon, I purchased a car on a lease to buy from a company based in Scotland, I have never missed a payment until now the very last payment, The arrange was 30 monthly payments to which 29 have been repaid. The last payment and admin fee are over due by 3 weeks and they are calling myself and my mum & dad, sister. I have explained in writing the full balance will be repaid on 28 August. However they said they will visit my home address to discuss the matter, on another point as they have the spare key can they remove the car ? As I have repaid fully apart the last payment. Car Value £3k Outstanding £456.67 Can they remove the car ? or would have to get a court order ?

WRT135 [#10827333] This message is intended for Lee Vodafone Company rep as I require urgent help with an error made by Vodafone. Vodafone repeatedly and admittedly miscalculated my bill by failing to apply a Vodafone Ireland Plus Bolt on to my existing £20 all calls all texts 30 day rolling plan. Each month I would receive bills close to and above £400 which would be taken out of my account and only acknowledged and resolved upon my notification to them of the problem. This occurred for three months in a row. I resolved the issue, cancelled the contract and was emigrating to New Zealand. However, they made the same mistake again, I was not there to notify them of their mistake which they were already informed of repeatedly. They then attempted to charged me £435 for an invoice, sent a debt collector to pursue this whilst I was away and obtained a bad credit rating against me for the same miscalculated bill they had admitted, apologised for and rectified for the three months previous. I now need this resolved as soon as possible and as I cannot now get my graduate loan to do my masters this September until this unfair and unacceptable problem of my credit rating is resolved. I need this resolved immediately, I've contacted Quality Assurance but they take days to respond and my graduate loan deadline is the 14th of July 2015 for this to be resolved. Please help I need this resolved immediately. I am requesting the same assistance you have provided to so many others on this website to restore my credit rating and resolve this issue admittedly created by your company. Hi Lee I have an extremely urgent problem as a result of Vodafone's service that I would like you to help me resolve. I purchased a 30 day rolling contract in May 2014 at £20 per month for all calls and texts to Landlines and Mobiles in the UK. I then also purchased a £5 Vodafone Ireland Plus bolt on, to use those calls and texts to any number in the Republic of Ireland, whilst in Belfast or in Dublin. However the Bolt on was not applied correctly to my account, as whilst getting charged for all calls and texts in the UK, and to Ireland with the Ireland bolt on, I was being charged for each and every call and text made to the Republic of Ireland at an international rate. My bill was over £400 pounds when it should have been £30. Vodafone took this money out of my account, money which was set aside to pay rent and electricity bills. I notified them of their mistake. They recalculated and apologised profusely for their mistake. They then proceeded to make the same mistake in May, June, July and August. Each time they would take an inordinate amount of money out of my account, I would notify them of the problem, they would apologise for their failure to apply the Bolt on correctly and their resulting miscalculated bill. They would rectify it each month after my notification by way of a 2 to 3 hour phone call each month. However, last August, having cancelled the rolling 30 day contract in July I went to live in New Zealand. Your company had been aware of the problem of the misapplied Ireland Bolt on since may. I instructed them to resolve this problem and to cancel my account. I had left ample money in my UK account to pay for my final bill in June, and I had received £30 goodwill voucher as a result of my extremely difficult and expensive experience with your company. However and somewhat unbelievably, they yet again failed to apply the bolt on and sent a massively miscalculated bill in August and September, for the forth and fifth month in a row. The bill was for all the same problems they inadvertently created as before, charging me for each call and text made to Dublin, whilst charging me for a bolt on that was paid for to prevent any further fee for any such call or text. The bill came to £435. I was unaware of this issue as I had left to spend a year in New Zealand with my Girlfriend. I was however made aware of this issue late in August and early September and I was absolutely shocked and disappointed that such an error could occur again. I could not contact Vodafone constantly to remind them yet again of their repeated monthly mistake. After my attempts to contact them I expected as with the previous 3 months this would be resolved. But due to me being in the Southern Hemisphere at the time, I could not make constant calls to ensure they would do what they promised. I was then shocked even further to find that they had instructed a debt collection agency to obtain this massive, incorrect amount of money from me, resulting from their miscalculated bill, which they had miscalculated and apologised for for the past three months previous. I emailed to resolved the matter and expected Vodafone to resolve it also. I changed emails for work, and left notification to contact me if any other matters arose. However, now that I have returned to Belfast to complete a masters in Law, for which I have just been authorised a Graduate Loan from the bank, I have discovered that instead of resolving the matter, they have put a bad credit rating against me. This to me after admitting their mistake for months previous, to then make the same mistake again and try to force someone to pay for it, to then instruct a debt collection agency against that person and to then obtain a bad credit rating against them is an absolute disgrace. It is extremely unfair and I cannot not obtain my graduate loan until my bad credit rating is resolved. The deadline for obtaining my loan is next Tuesday the 14th of July and I cannot stress how much I need this resolved before then. It is important for my future and it is the reason I have returned home. Can you please help rectify this, by looking at my account, seeing their repeated mistakes and rectification of those mistakes and by examining the two miscalculated invoices to see the same mistake has been made and to rectify that. I need this resolved, and I need this credit rating restored immediately. The staff at Vodafone in Billing and elsewhere where shocked at my experience and have tried to resolve this by getting me to contact the Quality assurance team, but that takes days and I fear it will be too late. Can you please resolve this immediately or as soon as you possibly can. I will provide you with any details you need. My name is Fiachra. I can provide my date of birth, account and mobile number out of action at present) and all other personal details privately to you. If you could please get back to me as soon as possible I would really appreciate it. Yours sincerely, Fiachra

Hi all, Need some advice please. During my divorce I used a solicitor to assist me as it was quite a messy affair. The Partner of the company who I had dealt with many times before, understood my financial situation and was good with me settling my account once the case was completed and we could work out a payment arrangement. Long story short, he left mid proceedings, the new partner demanded payment + retainer. and refused to carry on with the case. I refused to pay and also wasnt in a position to pay at that time. I got a CCJ for my trouble £2453. I did not contest at this time. (the final amount made up of sols fees and court fees)(date 4/4/12) I am now in a position to pay this but havent as yet. Saturday evening some burly chap knocks on my door and hands me a statutory demand under section 268(1) of the insolvency act. Debt for liquidated sum payable immediately for the sum of £1670.26 For the same debt as above... (the one I got the CCJ for) Letter dated and signed 31/07/15 Served on me 08/08/15 Particulars The debtor instructed the creditor to represent him in a matrimonial matter at the conclusion of the matter the debtor was invoiced on the 18th February 2011. The debtor has failed to discharge the creditors professional fees. The creditor used a tracing agent to locate the debtor which cost £150. The creditor therefore claims the sum of £1121.00 in respect of professional fees together with interest in the sum of £399.26 and the tracing fee of £150.00 This totals 1670.26. So my first thoughts, why doesnt the amount tally £2453 vs £1670.26 they are wildly different. Should I send a prove it letter? Should I call up to say, I already have a CCJ for £2453 and clear it? (didn't think I could get taken to court for the same debt???) or challenge the first CCJ and try to get it set aside and defend this claim? (given the difference in costs) Some guidance would be appreciated, I just want to make sure that if I do pay this that the CCJ is paid in full. After all I am trying to start over and get myself a debt free life.... Thanks in advance Mike

http://www.mobilenewscwp.co.uk/2015/08/05/exclusive-ee-recalling-500000-power-bars/

Hiya, posting for friend. My friend had been with her boyfriend for nearly a year when he asked her to get a bank loan for a BMW car. His credit rating was low so couldn't get a loan. She got the loan from her bank and gave him the money for the car. He is working and said he would give her the money every month to make the repayments on the car. He has now left her and taken the car. The log book is in his name as he told her she couldn't own the car as she doesn't have a driving license( she believed him). She's at her wits end, working and supporting her 2 year old son and can't afford the £125 a month repayments. Does she have any legal rights over car and what can she do... ... Urgent help needed please. Thank you in advance.

We took out a 2nd Mortgage in 2003, as we had a few credit problems we had to go through an adverse credit lender in order to be accepted. When we applied we were told that as we have had problems in the past, the lender would 'insist'on us taking PPI and would reject us if we said no.... We needed the money badly as our 1st mortgage was heavily in arrears at that time and we had no other option so went ahead with the application with PPI. I understand this means we should be entitled to a refund on this basis? Here is where it gets confusing and I hope someone can point us in the right direction. We applied through Dial4aloan Ltd, I have searched the web and they do not appear to be in business anymore. The loan was taken through a lender called Igroup Servicing Ltd who were taken over by GE. Could someone please tell me who I should be addressing my correspondence to? Many thanks

Hi guys Been working today and had my brand new galaxy note 4 stolen tried to track it through find my phone on find my phone via samsungs website but phone has been turned off. Someone said to me they can trace your phone via the imei even if its off apparntly Also the police officer who dealt with my crime case today said i can register my phone online on a database so if it crops up in a exchange shop it can pop up as stolen but cant remember what he said its called does anyone know may thanks also is it worth phoning the police with my phones imei number cheers

12 july 2015 Hi, Please can someone help me, its urgent and I am very worried. Just to give you a brief background I am a single mother and was diagnosed with a chronic pain condition at a young age and Iv had for many years other health issues have now made me worse like diabetes, Ibs, arthritis and more. Iv also had to be there for my mother who is bed ridden after a car accident and my step father who for many years had liver disease and was very ill before he died a couple of years ago. I have tried to go back to college and university where I now have a degree but its been really difficult iv also had battles with neighbours, bullying with the children in school etc as well as problems with debt people. Iv been trying so hard to get my life back on track and my credit report and feel that I cant win because there is not enough hours in the day or my health is constantly giving me problems or looking after everyone else is over whelming. I also have dyslexia also so paperwork is a struggle the last few months my mum has been very ill after a suspected stroke, heart was checked out and now she has lost the feeling down one whole side of the body. Due to this and all my other issues including being forced back to work which I was trying to do but I was trying to do it in my time due to my health, my paperwork has had to take a back seat. Recently iv gone through some letters I didn't know that santandar were trying to take me to court and missed the dates etc. I have now received this letter that I have enclosed it on your site for you to see and I am very frightened I don't have a lot but what I do have I cant afford to loose especially when Im trying so hard to get work and start a business if I can, but due to me struggling with everything and feeling very over whelmed and I don't know what to do. Please can some one help me to sort this out quickly, so I don't loose anything. I do have other debts but I feel I need to just work one debt at a time at the moment due to trying to cope with everything and my dyslexia. I have years of this actually going on and my mum helped me pay off this account so that I thought and I moved over to another bank for a new start only to find out latter that I had a debt, I need to go through years of statements which I don't have all of them because I believe at the time they were giving me charges for anything and everything and at one point I was in college/uni and was supposed to be a student and not get any charges at all because I was a student. So I feel let down by this company. Since I have gone over to a new bank iv never had such problems or charges etc ever again. Thanks in advance to everyone. Roguehunter

Hello there I need your kind advise on the issue stated below: Passenger Notice Issued on 24 November 2014 (Thameslink) I am a regular traveller to Luton on Thameslink for academic purpose. Usually I purchase ticket online from National Rail website to avoid rushing at the station. I did the same on 23 Nov 2014, purchased an off peak day return ticket online from Elephant & Castle to Luton with ticket collection from Balham station. The next day I had to leave early at 6am due to some urgent event at my university and I was aware that I might need to change my ticket at counter to pay extra for peak hour. During the collection of tickets at Balham station, I was wearing gloves due to freezing weather and by sheer mistake I left the outbound ticket in the machine's ticket holder, took only 2 tickets instead of 3: i) the 2-part return journey ticket (Luton-Ele&Cas) and ii) the reservation confirmation ticket. Boarded Northern line from Balham to reach E&C just to realise the ticket office at E&C was not yet opened for me to change the ticket. And there were no ticket barrier for validation for me to check if I had the correct ticket. Assuming I had all the tickets I boarded the Luton bound train. Half way through a ticket checker caught me for not having outbound ticket. He was more than sure that I had no ticket at all. I showed him my return ticket, the email confirmation of ticket purchase, pleaded for the mistakes I have made for not collecting all the tickets. I even offered if we could disembark at St. Alban's station and go to ticket counter to check the system if indeed I had the ticket. I also told him if he was willing to charge me for peak hour fare which is extra £9+. He refused on the ground that I did not have any ticket at all and demanded £30+. Assumed that I had no other way but to accept passenger notice (which mentioned I should return my season ticket or proof of ticket to prosecution department within 14 days), I asked him what I should do. He did advise accordingly and mentioned someone from revenue department will contact me. I filled the form and signed. I was not given any further chance to continue the negotiation in the pretext of anything I have said could be used in court against me. I was scared enough. Having the tiny passenger notice slip which has no contact details except a postal address, I wasted no time in writing to the prosecution department with the evidences mentioned above and posted it from a post office in White City on 3 December 2014. I also requested if they could give me a call or at least an email to provide status on my case. Shortly after that, I left for abroad for whole month and I completely forgot about the thing. Meanwhile, I did not receive any response from the prosecution department at all (my phone was on roaming during my travel abroad) nor even by post. As always I am still travelling to Luton for my University which I have been doing for the last 1.5 years now. I have always been a law abiding commuter, followed all the rules I am aware of, paid correct fares every time I travelled and continue doing so. I have no other records of penalty/offence as my tickets get checked almost every day I travel on National Rail. I was just told yesterday that even though I did not receive any letter/call from the prosecution department confirming my case has been solved, there is a chance that I had been prosecuted by now with god knows what penalty. This will almost certainly create the very first criminal record against my profile which I don't want to be there in the first place. My question is: 1) If they indeed brought my issue to a court without my knowledge, which court it is likely to be? CCJ or Criminal court? I just checked my record with CCJ and there is nothing registered under my name. 2) I have since moved out from previous location, is it still possible for them to pursue me for that matter? Your advise will be greatly appreciated. Thanks

Hi, I’m new to your forum, and I’m need of desperate help. My friend Is coming up to my two year deadline regards Atos/ Maximus (I understand it’s not Atos anymore?) so I am completely out of the loop. ----------------------------------------------------------------------------------------------------------------- He suffers from many of the below from aged 25 years old *Severe drug use amphetamines cocaine, alcohol for 20+ (Drug use stopped 18 months ago) medication for alcohol and drugs given *Severe Depression been on-going for 20+ years, antidepressants, medication- (but increased due to father dying suddenly 3 months ago and his elderly mother mom having a stroke recently. – His drinking has gone through the roof 60+ units a weeks at least. *seen Councillors for drugs and drink for almost two years, up until a few years ago .*Severe Social anxiety/ and before that extreme agoraphobia- major most severe problem that he was written off work for- 20+ years *Bdp – (made worse by face damage) body dysmorhpic disorder – on-going Also BDP worsened by mugging in 2007 -Resulting in an operation- (MAJOR OP.) (8 years ago) Maxiofacial reconstruction- facial reconstructive surgery- This was two 4 hour operations that were botched within weeks of another and then another massive operation - Zygomatic osteotomy 3 months later - 15 hour op, 8 surgeons. (Traumatic MENTAL recovery took 18 months) Has on-going hernia problem, operation was pencilled in and missed twice over three years due to on-going mental health issues Left Knee operation probably required (ligament rupture and miniscule tear in cartilage of left know) and possible lesser in right knee- missed appointment through on-going mental health issues- anti- inflammatory, pain killers given Weakened Achilles tendons, possibly causing altered gait, causing knee issues- cannot run and limps. Gastro- stomach problem (collapsed a few years ago- symptoms never followed up as discharged himself from hospital due to anxiety- consultant arranged op for hernia- never went BACK FOR SCAN These things are all facts but the psychological issues were accepted and written down by THE gp (AND ATOS) but were never followed up by a psychiatrist -----------------------------------------------------------------------------------------------------------------. He was written off to such an extent that (Atos twice over a 4 year period attempted to get him into an interview and he DIDN’T EVEN NEED TO ATTEND THE INTERVIEW AFTER THE DR WROTE TO ATOS *BOTH TIMES) The last appointment request was two years ago (august) and the letter provided by that same GP at the time meant Atos left him alone. But time could be running out! The dilemma really is this: 1 his original doctor left to go back to the USA. He was progressive and understood the situation! 2 He has since failed to find/ trust any replacement DR at that clinic, he virtually never attended the clinic unless it was, hernia, or knee related or injury related; maybe 5 times in the last two years, Worse he gave up thinking about a future Atos appointment until recently, and because of the way he hasn’t attended interviews, EVER, we don’t know what his current (ATOS) situation is! I.e. SUPPORT GROUP ETC 3 we are guessing that Atos will send him an appointment soon? (But feel we have left it extremely late, if the timing is correct) As mentioned previously, the last call up was two years ago, which he didn't need to attend, due to the intensity of his Dr's letter (august two years ago) It would seem that Atos are no longer company that runs this situation. And we are unaware of new guidelines in terms of new appointments. ------------------------------------------------------------------------------------------------------------------------------------------ My uninformed approach is to: 1 Get him to see a new GP consistently over next three weeks (providing that is the time Atos /Maximus) send him an appointment and build up a rapport with that GP? 2 then ask for a letter of update? 3 I have spoken to the clinic and the manager and they are willing to get a printout of all medical records and all previous correspondence with his old good GP to send to Atos /Maximus but this will be two years old. Would that still help? 4 if we do manage to see a new GP (patient friendly!) And build up a good rapport and then get a more or less updated full report? 4a would it be best to DEFINITELY get the (possible impending) appointment in august delayed somehow, and if so how would we go about this? 5 I suppose most important question is the two year gap a problem? 5a would ringing Atos to find out his current situation be positive or would that just remind them and hasten the process 6 does the two year medical rule still applies in terms of being served an interview notice? My MAIN questions are- 1 what is the criteria required to pass the ‘Atos’ medical or indeed in my client’s case not need to attend. Are they the same as before? Is there still a two year reapplication rule for a medical? What’s forms need to be read or groups can one be placed in nowadays? 2 will it be now difficult to ‘prove’ my clients illness, due to the fact he didn’t really see any new DR’s in the last two years, in a capacity to dealing with the psychological issues or at least attending consistently - i.e. he has been ‘off the radar?’ 3 the length of time between a GP letter for Atos, almost two years ago) and now? - a patient can’t just turn up to a NEW GP and demand a letter to write him off work for two years. 4 any important info needed for the current system/ company Maximus? Is there any more information that I need to know to pass on to the current GP he is about to see? 5 any links to information and help/ professional forum or otherwise as I’m running out of time to help this person! Has it been left too late? 6 is it essential to bring proof ALL proof of, physical injuries that have affected him, i.e. hernia, knee, face x-rays, letters appointments, etc. and that some of these injuries that would have also affected his mental well-being. For instance the massive op on his face? Maybe getting a personal letter from his surgeon even if the op was years ago? You have to remember my client is ill and he’s going to have to approach a new GP, and ask for a letter? I have been advised by the manager of the clinic (who is not a GP) to see the DR first and explain all issues so they can get to know the patient. INSTEAD of just asking for a Dr’s letter, as this may seem manipulative to the GP? I am loath to offer any advice that could possibly hinder my client’s success at an appointment or (preferably an abstention from a medial interview in the first place!) Finally I am not personally an advocate- Are there any private advocates or free ones that you can get that thoroughly know the maximus/benefit medical interview system? So they can go with my client? And can you point me to a guideline for passing said interviews. As stated before through my client has had letters that have meant he has never needed to attend the previous two interviews! Would this still be the case? PLEASE HELP AS IT’S URGENT ON BEHALF OF A GOOD PERSON IN A BAD SITUATION.

Hi i have been a member of this site for while and think you are amazing I have previously had judgments set aside with help from advice on here . Here's a basic back ground I'm self employed i ran in to financial difficulties in 2010 after a motorcycle accident and had to have a long time off work i got behind with all my money matters inc the tax man and the mortgage etc which im just starting to recover from it's not been easy. I still have some credit card companies that didn't seem to understand that i could not pay them at the time and i had to choose to put food on the table or simply put my hands up loose my house and sign on and become a burden to the state i chose the harder option and keep my wife and kids in our family home and not to burden the state. I have received a claim form from northhampton cc i received this on the 16/8/14 after being out of the country so i didn't have long to respond on the 20/8/14 i filed a acknowledgment of service stating i intend to defend all the claim (as i read admitting part is as good as admitting all the claim) i then 20/8/14 stupidly sent 3 letters normal post a cpr31.14 request to bryan carters solicitors a cca request to lowell financial ltd (with a £1 postal order) and a sar request to barclaycard (the original creditor with a £10 postal order) realising my mistake i again sent these letters recorded and proof postage again including the said fees i have had a reply from bryan carters stating that the claim form was issued by the county court business center and the courts protocols were followed Do i have a defence or have a screwed up ? I'm at a very low point now and stumped please help

Hi little advice needed as slightly complicated matter and having difficulty seeking advice as no one seems to know what I'm talking about (eg CAB and Shelter) I have a 50% shared property mortgage and housing association leasehold. I have received an eviction notice due to rent arrears. There a suspended possession order in place that included both the mortgage and rent aspects. Due to large legal fees on both accounts I was in discussions with the housing association and they have now obtained an eviction warrant for 9th July. I have already made an appointment to file the N244 form. The notice of eviction was an LT28 I discussed this with my mortgage company, they were unaware of the proceedings and informed me this was the incorrect form and should be for an owner/occupier. CAB have written to the housing association stating my case and offering a payment plan but they are a little hard nosed and not interested. At a bit of a standstill and unsure what to complete on the N244 as still unsure if the correct form was used (trying to speak to my mortgage company to see what they are now aware of). Any help appreciated and hope this makes sense .

Hi, My good friend has been on sickness benefit for a long time at one point she was on dla too. It may have change and she may just be on a pension now, I do not know but will find out. she was taken very ill and is in hospital. However they say they will release her soon. However there are some urgent functional problems in her home that have not been repaired that need repairing plus lesser urgent but equally important work needs doing maybe costing altogether £5,000 upwards. This is aside from cosmetic re decorating that seriously needs doing too. I recall a lady on the programme 'benefits street' got a benefit loan of a £1,000 which she pays back in small amounts, to redecorate her house from orange to purple. What benefits, emergency funding etc. is available? I can pitch in and help, but sadly I can not pay for the work to be done which I would prefer to just be rich so I could just have it all done in a few days for her! Thanks in advance, Clear33

Firstly, hello and thank you for taking a moment to consider reading this and helping A close friend used this before, said the advice and support saved him through a very tough time financially, as a result he came out the other side and contributed back to the forum, I hope I'm able to get some advice too. I welcome an experienced user moving this thread to a correct forum, I'm afraid I'm unsure which one is best. I'm reaching out to people to seek advice on a very tricky financial decision we find ourselves stuck in, I'm listening to as much advice as I can get, I hope you'll take a moment to read through it, I've tried to be brief. Thanks in advance.* Myself and my wife have been together 15 years and have 2 children (age 4 and 2)* We lost a long term family business to liquidation in which we were both involved; as a result personal bankruptcy followed immediately afterwards. Myself and my wife are now 5 months into the 12 months of personal bankruptcy.* After the initial assessment into our statement of financial affairs we were signed up to a three year income payment agreement and now pay £80/mth (£40 each) This was originally worked out on two salaries of £30k each and payments are due to be paid for a further 2.5years.* * As can be expected we've found the process incredibly hard, however I find we've gone from a happy relationship of 15 years to near divorce and now have regular (albeit free) counselling sessions. I've contemplated suicide for a while and come fairly close three times. We're short of money every month and have to beg from parents to cover one off expenses that were outside the budget.* On a more positive note, she has just been offered to transfer to a new job at £90k earnings. This is comprised of £40k basic and projected bonuses for around £50k. She's fully investigated and is happy with with proof on how realistic the bonus scheme is. These bonus payouts will fluctuate significantly on a month to month basis.* The income from this one job is far higher than the income for two separate jobs.* The job would involve a huge life change with personal sacrifices on both sides. It would probably also mean me stopping work to look after children full time. She would have to travel more, work away four nights of the week, see the children far less amongst other considerations, however in the weigh up in this area it seems at first definitely worth doing.* It's also worth noting our childcare expenditure is also changing soon with one child moving from nursery to school saving £350/mth and in January the other child's nursery fees reducing by £150/mth as the 15hrs/week childcare allowance kicks in.* There are plenty of variables for us to consider whether this is the right thing to do, we're seeking advice from this forum for knowledgable third parties on the main issue: It is to do with declaring the potential income and expenditure changes.* What to declare, how much is handed over, how, when and for how long etc etc. *Basically this would help us know whether to make so many life changes and if it is all (at least financially) going to be worthwhile.* Any input and ideas in relation to this issue would be gratefully received. Please also reference what experience you may have had in dealing with anything similar.*

Hello All Please can someone provide some urgent advice. I am just about to apply for a mortgage and a mistake made by Volkswagen is affecting my credit score dramatically Around 3 months ago I purchased a new car with Volkswagen and used Volkswagen Financial Service to finance the vehicle After the first payment 18th I called to change the date of payment to 29th which was my payday. The following month the payment was taken on the correct day 29th April. Unfortunately the customer service advisor made a mistake and only changed the date for one month, VW subsequently took the payment again on the 18th May. I called to complain and had the money reversed. The customer service advisor said that they would collect again on the 29th of May. I checked my bank account on Monday to discover payment had not been taken. I immediately paid over the phone and raised an issue that is being dealt with by a helpful advisor. VW accept that it is their fault. Unfortunately the advisor is not in the correct department and is back and forth with the CR team about it. This last payment has now shown on my credit report as a late payment. My credit rating has dropped from Excellent to Fair I need to get this resolved in the next 48hrs as I have just had an offer accepted on a house and after getting an instant approval in principal I am really scared to apply incase I cause a massive spiral of rejection. Kind Regards Nicholas