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  1. Been advised by Stepchange to apply for a DRO over 2 credit card debts and an old utility company gas bill all of which I am unable to pay and in the case of the credit card debts have been trying to for last few years. My advisor at Stepchange advised me not to let my creditors know i'm applying for the DRO. I'm in the process of paying, by instalments, the £90 fee and this should be paid in full within the next 6 weeks. Been receiving threatening letters from EDF Energy over the gas bill to be included on DRO which is just under £61. Threats of referral to debt collection agency and court action with the prospect of added costs. Would really appreciate some advice as I can't stop worrying.
  2. Does Natwest check up on documents that are submitted for an unsecured loan. e.g. employment contracts etc. Would these be checked for authenticity before the loan is processed?
  3. I'm hoping someone can help me with a query on my jsa being sanctioned for failing to apply for jobs i'm not qualified for!! Basically when i signed on i was told my job search activity log did not include any applications for jobs in the last fortnight....i explained to my advisor that all applicable vacancies i had seen had statutary requirements of basic qualifications or certificates which i did not possess...i was then told i should have applied for them regardless and because i did not my claim was being sent to a decision maker!!! I was given form ES48 which states "Until this decision is reached jobseekers allowance cannot be paid Firstly am i right that by being referred to a decision maker my payment will automatically be stopped and will probably rely on an appeal to qualify for future payments?? Also how is it ethical to require me to apply for jobs i'm not qualified for?? Any advice on how to fight this decision would be greatly appreciated
  4. Hi all, I ordered a pair of jeans for my then boyfriend from Premier Man in 2009. I paid for the jeans using my debit card. I recently carried out a review of my credit history and noticed that they had actually opened a credit account and I'm quite furious. I bought the goods, they delivered them, that was that, I had no intention of ordering from them ever again and certainly did not request a credit account. Although it shows as settled and obviously no defaults, I've been advised by my mortgage broker that it may be looked upon negatively and as I didn't know it had happened, I should look into getting it removed. Is this possible? There is absolutely no mention of signing a credit agreement or being provided with a credit limit anywhere during the order process, except for a bit hidden in the Data Protection notice: "We may also use your information, including shopping habits, to open and run your credit account including payment recovery, fraud prevention and debtor tracing and for our marketing." but it never asks me if I want this or not. I think it's really shady and want to get it removed but I'm not sure I have a leg to stand on. As an aside, I will never order anything from any of their group of companies ever again. I've never known any online retailer to operate in this way.
  5. Well it was the end of July when I received both Sigmas claim forms. I requested documents through CPR, which they sent me for one claim but nothing for the other. On the claim where they sent me something they offered a repayment plan. I ignored this and submitted my defences for both claims. It is now mid November and I have heard nothing. I am aware the next best thing to do would be to apply to court for a strike out, as they are parking the claims. Does this mean no one will ever be able to raise a court claim again for this supposed debt again, if a strike out is granted? Also is there any advise on CAG about how to go about applying for a strike out, as there is not much online. Also do you wonderful and knowledable people think this is the best course of action for me? Thanks in advance.
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