Hello all, I really hope you can help me with how to handle this claim against me. It is regarding a Vanquis agreement from 19 May 2010. To cut a long story short, I was suffering from a gambling addiction and took out lots of payday loans and credit I could not afford. I have paid various debts back but could not afford all. I ended up with 5 defaults against me. With my credit file ruined, I kind of just buried my head in the sand, thinking I would have to wait a good 6 years to get back on track. I have lived in 5 addresses in the past 6 years. Without my knowledge, from nowhere, a County Court Claim form went to my old address (which belongs to my parent's). They do not open my post, and nothing important ever goes there. However, I dropped in last week and a claim had been sent. I could not contest it or even acknowledge it - I had missed the deadline by literally 2 days! When I logged in online, it said a CCJ was issued against me On Friday just gone, a further letter was received at my parents address - a NOTICE OF ISSUE OF WARRANT OF CONTROL It says on this letter that 'Unless you pay the amount due before 25 August 2015 the bailiff will call and may remove goods for sale at public auction' My elderly mother has opened this and is deeply scared. I have tried to do lots of research but do not know what my best option is. They are claiming £970.58 but I simply do not have this money or anyone to borrow that amount from. The original limit was £500 so I do not know why it is so high. I would have liked to have filed a defence, asking for proof of the debt etc as many people are succesful claiming against Cabot with Vanquis debt. I considered asking for it to be set aside, but I fear this will be declined? I did not update creditors with my various addresses. I have moved a number of times since then. If I ask for it to be set aside I fear wasting the £155 which I can ill afford. Or I could file an N245 to ask for a repayment plan? Is this still possible despite the Warrant being issued? I am really in a state of panic - my mum is in tears thinking the bailiffs will visit this week and take MY PARENTS goods to pay this old debt. I really hope someone can help... Thank you so much in advance

Hello everyone, Thanks for all your help in advance! To cut a long story short, my partner is already paying a debt to Bryan Carter to avoid a CCJ as we didn't receive the claim form till the very last day of judgement. But now they're literally chasing him for two other debts (one in dispute, already submitted SARS to Lloyds) but this 'new' one that he has no knowledge of and it's not even on his credit file. He contacted Lowells 2 months ago to state that he has no knowledge of the debt and they also checked his credit file while he was on the phone and the advisor confirmed that there is no record of the HFC bank debt on his file; so advised they will get a copy of the signed agreement. Last month received a letter confirming that they're still awaiting a copy of the agreement and it make take a while, thanks for your patience etc. On Friday received a letter dated 12th May 2015, stating; "As requested, we enclose documentation from your original creditor. We trust that this now answers your query and look forward to receiving your affordable repayment proposals." However, the document they have attached is literally what looks like a photo copy of a bank statement from HSBC; Confirming his address, about your credit agreement etc and about your transactions. I can attach a copy if you need? They're literally stressing me out as clearly this does not answer ANYTHING! Just wondering what my next step should be, as I'm worried they will just issue proceedings and after speaking to National debtline the advisor told me that they don't need to provide a copy of the agreement as a Judge may take favour upon a statement!? And that maybe I should consider sending them a letter called 'complaining to debt companies that you do not owe the debt" So yes, any help would be massively appreciated. Thanks

I am willing to help a friend out in claiming back all charges under Financial Hardship from HSBC. She has over £1200 in charges from 2007. I have read lots of info from the forum but needed to clarify some things before sending the letter to the bank. My friend just came off IVA in 2013 and she has a mortgage she is currently paying from her HSBC current account and makes a high monthly payment leaving her to use up her overdraft every month. Can I claim from 2009 (6yrs back) ? Can I use the same spreadsheet used in calculating Credit card charges ? Can she add interest at 29.9% to the charges? Can she do her Income and Expenditure on a sheet of paper with a pen or is there a particular form ? I would appreciate your prompt reply. Thank you

Hi I am new to forums so i apologise in advance if this is in the wrong forum. I had a call from a foreign gentleman called "philip" claiming to be from the complaints department of the Financial Conduct Authoruty stating that certain creditors (Santander Barclays and capital one) of mine had got together and complained to his department as I was in a debt management arrangement, gave an approximate value of debt owed and wasn't paying them enough to clear the debt quickly enough. While we do owe money to these creditors two out of the three are in my wifes name. I told him that i didn't believe he was from that orginisation and put the phone down on him. I got a phone call back immediately from him which he was more threatening. I advised him to send me details in writing. and that i would not deal with him. He said that he had this recorded and would send Bailiffs round. 1)I believe this to be a [problem] 2) Has anyone else had this type of Cold Phone Call 3) i dont believe that these companies who we have got agreements to pay back would "club" together to make a complaint. Any suggestions would be gratefully received

'The (mill) wheels... grind slow, but they grind exceeding small.' I noticed the thread HFO/OFT Minded to Revoke thread had its last post eight months ago, so I'm putting this in a new thread - I hope admin will move it if they see fit. With help from many CAGgers, specifically DonkeyB (good luck in the Rugby World Cup:oops:) we were part of a process that ended in a thorough, days' long interview with the OFT to do with being hounded by HFO using draconian and humiliating practices on a debt we didn't owe them. We were asked but due to ill health were unable to be witnesses. It gives me great pleasure to share the mucho satisfactory letter received today: ~~~~~~~~~~~~~~~~~~~ Dear Sir/Madam HFO Services Limited, Roxburghe (UK) Limited, HFO Capital Limited and Alasdair Turnbull ('The Appellants') v The Financial Conduct Authority Further to our recent correspondence, I write to update you on developments in the above proceedings. Following settlement discussions, the Appellants have agreed to exit the consumer credit market and to write off any outstanding consumer credit debts which they own. The FCA has agreed to the quashing of the determination made by the Office of Trading on 27 January 2014. It follows that the Tribunal proceedings have concluded and therefore there will not be a Tribunal hearing in this atter. A statement reflecting this outcome will be published on our website soon. We are grateful to you for all your assistance in this matter. ============================================ Alice in Limboland! It couldn't happen to a nicer bloke. Thank you again for all your help.

Hi Please can someone help.. I entered a payment plan with Andrew James Enforcement last year. I made all payments as agreed until the debt for parking fines was paid off. I recently got sent back to them on missing a payment with my council. to find they are now chasing me and have sent a removal warning \(even though they have never been inside my house) for the debt that has been paid in full. when challenged they state they have never received a payment even though £300 was paid at the point of the payment plan being put in place by the council. I have challenged them on this and have written a letter expressing my concern even included my bank statements to show all payments made during . they responded after 3 chases from me and the execution of their removal notice being sent in the post saying they disagree and refer to the original warrant that remains unpaid and they are unable to access any archived account. Surely this is mismanagement of accounts and they must be accountable. I can prove the monies paid in fact I over paid on the account. I am un clear on how to proceed. I don't really have the cash to employ a solicitor but unless I can get some advice I may have to and have every intension of persuing this until resolved. My nerves are on edge, my daughter is disabled and I also have a physical disability. Please Please Can anybody help?

Hi all, Really looking for some help with some recent and out of the blue letters from Cabot Financial. In the last week I have received letters about 2 debts, I will cover both separately. Next Retail - Retail credit - £1200 I received a letter late last week or early this week dated 27th June, telling me I owed them money and to call them etc. I then received another letter today dated 4th July - basically saying they had decided they were going to take court action against me and seek a sheriffs court decree for the debt. Help what should/can I do. I haven't had any correspondence about these debts for years - I know they do not appear on my credit file with any of the agencies, I have checked all online recently, I cannot remember making any payments to them. Vanquis - £750 I also received a letter dated 1st July saying I owed them money from a Vanquis credit card, again similar to the above I have not had any correspondence from the for years and don't recall making any payments to them. However I am now worried I will have another letter in it's way shortly similar to the decree one above. I am currently unemployed after being made redundant and am only on job seekers and housing benefit, my wife works but is not on a significant income. These debts can from a 1st marriage which ended badly and I was left with all the debt, including a joint bank account overdraft, we also have a young child and really cannot afford to pay out anything more than we are already doing. Over the years I have managed to get my credit sorted out and have been rebuilding and a lot of my defaults will be dropping off my file in the next 12 months or so, I am now worried that if they take action I will be screwed again for another 6 years and it will seriously impede me getting another job as my background is in the financial services sector and these all carry out credit checks etc. Please can someone guide me on the correct steps to take and the quickest way to stop them taking any court action against me? Regards Bingo

Good afternoon, Having just joined the site I wanted to introduce myself. I've just turned 35. Am married with 3 kids. This is important because I nearly lost them. I am a recovering compulsive gambler. This isn't seen as an illness to anybody except another compulsive gambler. My last bet was march 2014. I actively attend GA meetings to prevent relapse. Its taken me this long to rebuild trust in my family. My life is miles away from the despair it was in when I gambled, but I still have evidence of my problem in the form of a mountain of debt. Although I signed up to a dmp with stepchange in july 2014 my head is still firmly in the sand when it comes to finances. I have joined this site to gain control of my finances having gained some kind of control over my gambling. I haven't looked into reclaiming bank charges or PPI or anything so I guess that's where I'll start. thanks for listening, i'll keep you 'posted'

Hi, I am new to the site and would appreciate some advice. Today i received a letter from Cabot Financial stating "The Cabot credit management group has recently bought the account you held with Hitachi Nova and we are responsible for answering your queries and receiving payments. According to our records you currently owe £ 13,323.22 Please contact us as soon as possible to discuss the options for repaying your account. We are aware that an agreed Repayment Plan was in place on your account for £50 per month. Cabot is willing to continue with this plan as long as you continue to make the agreed monthly payments directly to us." The history is i have held the account with Hitachi for 2 years never missed a payment, i subsequently had an accident and was unable to work, i came to the agreement with Hitachi 6 months ago now out of the blue this letter drops on my doorstep. Any advice would be greatly appreciated

Hey guys, little bit of advice would be great, I have not banked with co op for around 5 years they have teamed up with link financial to try and get £97 pounds from me, for charges to my old account, there was not any money in my bank account to make a payment to another company so Co op are now 5 years later trying to get it back, plus they sent the letter to my mums address which I have not lived at for nearly around 5 years, should I just ignore it?

Hi there, New posting here. Firstly, I hope I'm in the right place for this and if not would someone please let me know? I am discussing this on behalf of my wife who has today received a court summons for a debt accrued under Vanquis Bank, now owned by Cabot Financial and they are suing via Weightmanns LLP, Liverpool. The total value of the debt (which includes their costs is just over £2900.00). Now, I recall my wife having some difficulty with Vanquis re a charge they administered to the account and there was some fallout, I don't know the exact facts and she's in such a state I can't find out. The long and short is, can anyone help / assist with this.... I know if there is a debt and it has been paid within 6 years then they have every right to go ahead and take you to court. I suppose what I am asking is there any way that we can prove they have not followed procedures, I know that she hasn't received mail from Weightmanns but has from Cabot but filed it suitably! If anyone can help we'd appreciate it. Cheers, C

Received a standard letter template from the Co-op, hopefully attached? However, it wasn't until I re-read their missive that I noticed the wording they used. "Continued misuse of your account means that we can impose restrictions to your banking facilities, including your debit and credit cards, or even close your account" Now considering this is only the second time I have bounced a direct debit, I find their language very threatening, quite how depriving me of £30 is ever going to force me to not "misuse" my account is totally beyond me? After all, isn't the reason why these DD bounced because I didn't have enough money in there in the first place? No wonder the finance industry is in such a mess, I rang them (Truecall) and spoke to a pleasant enough lady who told me they can only waiver bank fees once in a 12 month period, when I told her that the only payments going into my account between now and their attempted 'charge' of £30 is going to be my benefit money, it sort of fell on deaf ears, 'it's in the terms and conditions' yadda yadda yadda, 'were allowed to take money out of the account' yadda yadda yadda. So letter of complaint is going out first thing tomorrow, along with my thoughts on why I feel their charges are unfair, and if they wish I will send them a letter of appropriation. In the meantime I'm looking for another bank!

Long story short, I I defaulted on a catalogue debt in 2010. I was in a bad place mental health wise. I'm in no way trying to use that as an excuse. And I've just got a court letter saying Cabot are taking me to court and will get a CCJ against me. I've been working hard to improve my credit over the last two years and admit I should have sorted this out but I've been ignoring it. I went online to acknowledge the case. But I've sold a few things and will be able to pay the debt in full by this Friday. Will this prevent a CCJ being logged against me? I'm lost here because this is the first time this has ever happened to me. But I don't want a CCJ on my credit file.

These guys were calling me 17 times a day on mobile or landline and really aggressive. Debt owed was £1900 they added huge % and penalties so now £3100. Opened Sept 1996. I foolishly sent cheque for £1 with CCA which I am 99% sure they copied my signature to a Credit agreement,where theyactually spelt my name wrong so I know I didn't sign it. They sent my account to Drydensfairfax who wrote several letters threatening court action etc but have gone very quiet since Feb this year-waiting for next move. I replied to Drydens saying they had not returned a CCA and was therefore unenforceable, heard nothing since. No statements,no calls nothing-eery- I CCA'd them in Jan 2014-they sent several attemptsat reconstrued CCA type A3 blank credit agreements-which had nothing,no details on them....their % was 26.5% . Stupid me to have got in this mess but I had quite a nice business then a creditor liquidated owing me huge monies and I lost everything-tried to survive for a while using CCards to support myself and pay debts with each of them -made it worse.hey ho such is life.All ok have my health,my family and it's summer at last

Sent a CCA request to Cabot 6/6/15 Signed for and received 8/6/15 Reply received today and I have attached an edited copy. They mention that information will be provided in 40 days. If details are not provided by 23/6/15 will it still therefore be unenforceable ? Cabot bought the account from Equidebt in 2013. I have never received any form of annual statements from anyone including the OC. I have only been advised of the debt balance so therefore have they failed to comply with FCA handbook CONC 13.1.5 ?

Hello Everyone, I hope this has gone in the right thread Im really hoping for some great advice here, - Although i'm confident i will receive it, Im writing on behalf of my sister. Here is some background information which will help picture our crisis. My sister is 27, a qualified staff nurse, caring, loving and kind.She has fibromyalgia a chronic widespread musculoskeletal pain and fatigue disorder When she first started nursing she was put on HDU a high dependency ward, A highly stressful ward when first qualified. In time my sister became depressed and was put on anti-depressants, But also moved wards to somewhere she was happier.She was on these for 5 years, In between this she had a long term boyfriend, Whom she loved very much and was her one and only boyfriend so never knew any different. He cheated on her 3 times She found out and left him, Then when she was at a low ebb he wore her down and begged for forgiveness, This went on for a year until she finally gave in. Whilst they had been apart he had found another girlfriend who became pregnant, My sister accepted the child and they were ok for around a year or so, Until she read through his emails and found out he had been messaging and meeting tran-sexuals. This obviously devastated her, she questioned his sexuality and couldnt understand what was wrong with her. She had to go for all the sexual health tests, saying thats she felt dirty and that no one would ever want a relationship with her again as he had passed herepes on to her. In November 2014 she was signed off sick due to the fibromyalgia and trauma she had just suffered. She was put on Sertraline antidepressants. as well as this she was also take Amitriptyline, for pain( but is also used as an antidepressant) Zopiclone as she had trouble sleeping, gabapentin a painkiller used for the nervous system, and Diazepam. 2 months ago she came out in an angry rash on her face, She went up to A and E with my mum, Whilst waiting to be seen she fainted, and banged her head that hard she was knocked unconcious. Her mental state has since got gradually worse and we now have the crisis team coming out regular with a physiatrist who has now diagnosed her with hypomania, and was very close to being sectioned if it hadnt have been that my parents are both at home every day. Her mood fluctuates between aggressive, emotinal and manic, She often wanders off without telling anyone and is a danger to herself, She is very confused and cannot be left alone. You cannot have a conversation with her because they are so random you cannot make head nor tail of them. She is still off work now and it has been 7 months. She is too poorly to go back to work but The hospital are pushing and pushing and now has a final meeting on the 22nd june for a final outcome as to what it to happen, My parents have not told my sister this yet, but she wouldnt be well enough to attend this anyway. Her sick pay has now reduced to £81 a week and she cannot afford to live. She has a large amount of outgoings that need to be paid for, She is still living at home with my parents but they are both self employed with very little income coming in to this house. My parents outgoings are around £1,200 a month and my sisters the same. Here are my sisters outgoings Credit card with Barclaycard £160 a month-* Due at the end of June Credit card with Halifax - £130 a month Overdue by 2 weeks car finance payment £110 ( Due the next fortnight, Taken over 4 years with Black horse. 1 year owned. Gap insurance for the car and service plans £60 due around the next fortnight Phone bill 02 £40 month RCN ( royal college of nursing payment ) £20 monthly Due in the next fortnight Tesco bank Loan £300 Due in the next fortnight Halifax bank Loan £300 Due in the next fortnight Overdraft £1,200 Santander So in a nutshell If you could help with the below questions i would be so grateful, As i really want to help my parents and sister but im not sure where to start. 1: What rights does my sister have with regards to her job as a nurse? Can the NHS sack her? 2: What can be done about the incurring payments due to be paid with credit cards, loans, finance etc can be done? I really appreciate your time taking to read this and any help would be so gratefully received. If i have missed any information out that would be needed please ask.

Hi, My husband and I have been on a debt management plan for 9 years know. During this time we have done regular reviews and our repayments to creditors have gone up as well as down depending on our circumstances. Various debts have now been sold on to debt collection agencies, one agency who currently has 3 of my debts is cabot financial. After a recent review with payplan our repayment has unfortunately gone down temporarily. Cabot financial have been ringing me constantly since. I eventually spoke to them on Friday and they said it was because i wasn't meeting the contractual amount on my Barclaycard account so it was now in a pre-default state. They recommended i ring Barclaycard and inform them of my situation which I did only to be told by Barclaycard that they sold the debt to Cabot so it is no longer anything to do with them. I rang Cabot back who then started saying if I don't meet the "contractual amount" each month then my account would default. I asked why the contractuall amount couldn't just be changed and all he kept saying was that they couldn't and that they have a legal obligation to update my credit file, he also kept talking about "they" implying it was Barclaycard that set the rules and nothing to do with Cabot. when I asked who he was refering to when he spoke about "they" he denied saying that and said he said "us". My query is, if during the 9 years of being on the debt management plan my payments have gone up and down, why hasn't this account defaulted before now? Can Cabot change this "contractual amount" and could any one give me advise on trying to find out when this contractual amount was set please and if it can or can't be changed legally? Thankyou in anticipation

Put a £800 claim in for charges back from Nat West for vulnerable adult who is in hardship Nat West refunded £500 went to the Ombudsman who got them to agree to refund the other £300. The £500 was refunded to the account but since then relative had to close the account due to Nat West closing where they live. Relative got a charge for closing the account they refunded this by cheque. Ombudsman told relative to let them know if the £300 was not refunded by last week it has been refunded but paid to the closed Nat West account to go towards the overdraft still wing on this account. Complained to Ombudsman and this is there response. "The settlement amount was in respect of interest that was applied to the account. As there is still an outstanding balance and therefore the interest amount was never paid the refund of interest will credit directly to the account" Told them relative in hardship and that is the reason the request was made to Nat West and relative was led to believe this £300 was to be received by cheque. In what way does relative benefit by it just coming off an overdraft that is in a closed account.

Hi! I'm new here so please bare with me! I've had an ongoing issue with NPower which has escalated to such a stressful level I am now on antidepressants. After 4 years of NPower producing incorrect bills I finally switched energy companies In 2012. There was an arrears of £500 on the account and after 3 months of waiting for a final bill NPower said I owed £795 which I queried for about 5 months before they settled on £745 which I continued to dispute until April 2014 when I had just had enough because I couldn't find anyone to help me dispute this on top of being unemployed. after months of explaining I could not afford to pay this amount immediately I was bullied into arranging an unaffordable payment arrangement of £20/month. At the time I had a monthly deficit of £550 so this just wasn't at all affordable and I struggled to meet these payments but always communicated when I was able to meet the payment. I did however pay more than the agreed when I could and by January 2014 the outstanding amount was £500. Even after discussing this with NPower they still found it necessary to instruct their solicitors Wilkin Chapman LLP to issue court proceedings if I was unable to pay the full sum within 14 days. Again I explained my situation with Wilkin Chapman and produced a full income and expenditure document showing my deficit. There was no question of a doubt that they were fully aware of my circumstances. I made a token payment of £50 leaving a remaining total of £450 and was bullied into making a payment arrangement of £20/Month as they said their client (NPower) would not accept anything lower than this and would follow through with court proceedings if this was not paid. In March 2015 I advised Wilkin Chapman that I would not be able to meet my payment arrangement for that 6/8 weeks due to family bereavement and the fact that my invoices from work had not been paid. This they now claim to have no reference of. Wilkin Chapman followed with Court proceedings in April; and as soon I received the court documents I called and made an offer to pay something to avoid court action but they refused payment and advised that in order to stop court proceedings I would have to pay a total of £538. I was unable to pay this so believed my only option was to return the admission form back to them. I both emailed and posted the forms back to Wilkin Chapman on Friday 1st May and have receipt of both being delivered and signed for on Tuesday 5th May. On Saturday 15th May I received a CCJ (Default due to non response) from the Court asking for an immediate payment of £668.65 forthwith. Wilkin Chapman had failed to forward my admission form to the courts which resulted in this default. Wilkin Chapman have explained that their client (Npower) had advised them not to return the documents to the court. However, The Court have stated that the solicitors should have sent my admission form back to the court and allowed them to come to a decision if one could not be made by the claimant. Wilkin Chapman LLP have now asked me to forward a sum of £693.21 to be paid immediately. Although the original debt was for £450, with the interest added brought it to £538 and court costs total £130 bringing the forthwith sum to £668. NPower customer service team have advised that Npower have sided with their solicitors behaviour and accept that they may have acted illegitimately forcing me into further financial hardship. NPower have refused to accept a sum of £668.65 to clear my debt (my neighbours have rallied together and offered £500 towards the debt) and to add insult to injury ended the phone call with "if you fail to repay the amount of £693.21 we will proceed with collection measures." I just don't know what to do now! The courts have advised that they can remove the CCJ from my credit file if I pay £668 by 10th June 2015 but NPower and Wilkin Chapman LLP have refused to take this amount and want all their legal costs paid on top of the forthwith total on the CCJ.

Hi everyone, On 01 April 2015 I paid Cabot in full for an old credit card debt. The debt still remains unchanged on my credit file. I sent Cabot 11 emails asking when the CRA's will be updated. All 11 emails have been ignored. I disputed the debt with Experian and Equifax. Cabot informed Equifax that the debt was settled in full on 18th April 2015 when in fact it was 01 April 2015, and said it will be updated in May. I eventually called Cabot previously Marlin, and the advisor states they update the CRA's on 25th of each month. [removed] My credit file remains unchanged and I have no idea what to do. How can they continue to report inaccurate information! And to add insult to injury, they have sent me a customer satisfaction survey!! How can I get Cabot formerly Marlin to update my credit file? Thanks Eagle

Hi all I need advice please my dad had an agreement with barclays partner finance for nearly 3 years cleared it a week ago i noticed from random letters he has racked up a few charges such as failed dd and late payment when he was having some difficulties, my dad has just retired and i am looking to claim some money back for him looking for advice on how i do this i would need a statement off them first with all the detailed charges i know that but what letter do i need any help would be appreciated as my dad has just retired and in ill health at 72 i am doing everything i can to help him as he has worked all his life and never claimed a penny back on anything thanks in advance

Hi I have been in a DMP with StepChange for about 4 months now and it seems to be going fine - the threats/chasing letters are drying up. Most of my debts were defaulted in 2011/12 and have been passed to DCAs. My account with Barclaycard was initially passed to Mercers (who I believe are part of Barclays) and I received a default notice in December 2011. The debt was then assigned to IDR Finance and is run by Link Financial. When I check my equifax report (yet to do experian), the account does not show as a default - rather a series of status '6' since April 2012 (it is showing as Link Financial, not Barclaycard). I know this isn't a good situation and need to get it changed to a default (at least then the clock is ticking towards the 6 years). Surely if a default has been issued it should be reported? What is the best way to get this rectified? Do I write to Barclaycard, Mercers, Link or Equifax or all 4? Are there any templates or is it a straightforward letter describing what has happened and requesting the status be changed to default with a date of Dec. 11? I have seen a number of other threads re: defaults and CRAs but they do not quite address my questions... Thanks

Hi, Last year I was diagnosed with ADD (Attention Deficit Disorder), and it transpires that I've had this condition since childhood. I'm now taking Methylphenidate, which has given me a bit more focus with detailed finances and small print etc. The effects throughout life have been subtle but profound, and very destructive in a number of ways; though I masked it somewhat due to being quite intelligent in other areas. One of the effects was (and still is) a difficulty working with figures and managing finances; it takes me about 4 times as long as a 'normal' person to deal with spreadsheets, complex calculations, financial concepts such as PPI etc. Only very recently I realised the implications of this, in regard to PPI mis-selling and reclaiming charges. It appears that, according to the Disability Discrimination Act, people should be covered against discrimination in regard to provision of Goods and Services: nidirect(dot)gov(dot)uk/mental-health-and-the-disability-discrimination-act-dda It would have been very difficult for me to fill out a loan or credit card form and make the right choices for my circumstances, and also to realise that something was wrong later. Now, speaking to the Mental Health Professionals in my area, it appears that adult diagnosis of things like Bi-polar and ADHD is becoming increasingly common these days, due to more awareness and improved diagnostic tools. It may be there is a whole demographic of the population who used to be just bracketed (like myself) 'bad with money', where they've actually been struggling with a hidden condition that impairs their ability to make accurate and timely choices regarding their finances. Worse, those that are 'good with money' have been preying on this trait for their own ends. I now feel, on the other side of the diagnostic 'curtain', like I've been 'milked' over the years, due to my naivety and poor skills with forms and numbers. Ring any bells for anyone? Can anyone point me to resources where Mental Disability has been used to get restitution, is there even a case for a US style Class Action suit? Thanks, hope this helps anyways.

my father is just coming out of hospital yet again and it looks like he will require some 'social care' which the phsio said my parents would have to have a financial assessment done . they have currentl;y £50K in savings and my mother is going to have two large amounts coming in soon one for a enhanced redundancy and a lump sum for her pension . My question is the assesmenty done on the whole amount or just his half of the £50k . Also wuld the other twp amounts that would come in ir her reduncy and pension be protected .

I have just received an Application for Attachment of Earnings Order from Peterborough Court with Welcome Financial Services Ltd as Judgement Creditor. However, I don't know this company, have never heard of them until now and they say I owe them £5188.10! Surely they should at least have the decency to contact me before to detail how they think I owe this money? I got to say the form is very scruffy and poorly photocopied, can this be a [problem]? Will try and call the court concerned to verify this, and at the same time contact Citizens Advice. Any Advice?