Hi Caggers For anyone who is self employed and claiming WTC they will be subject to scrutiny and have to prove they are effective and working. They also have to earn each week the equivalent to min wage at 24 hours. If not will be stripped of the WTC. I have heard rumourned we will be forced back on to JSA to look for better paid work. Even with UC the rule would have given us 12 months grace to make the business work to that level of profit, no such thing with this new ruling.

I had a credit card with Virgin (MBNA) I got into financial difficulties and had to agree reduced payments, these have been made religiously by standing order and never missed for over 2 years, in fact I have increased the monthly payment myself without any prompting from them. For reasons best known to themselves MBNA have now assigned the debt to Moorgate Britannia, MBNA have marked their default as satisfied and Moorgate have registered another, albeit with the same dates. So having stuck to my agreed payment plan and in fact increased the payments off my own bat to try an clear the debt as quickly as possible, I now have 2 defaults for the same debt, is this allowed and if not what can I do about it?

http://www.channel4.com/programmes/how-to-get-a-council-house

No money? No excuses! Following people on the sharp end of bad debt – and those whose job it is to get the money back. http://www.channel5.com/shows/cant-pay-well-take-it-away Channel 5 - April 8th - 9.00 pm

I work in a small garage who own several company cars. We are allowed to use these cars to pick up customers etc., On 10 April 2013, one of the company car was photographed doing 35 mph on a 30 mph limit area. The following week, a Notice of Intended Prosecution was received. As the owner cannot identify who the driver was, he requested further information. A couple of letters were exchange in the ensuring two months. At the end of October 2013, the Garage received a Summon to appear at the Magistration Court. The owner pleaded not guilty on the provided form. Now a hearing date has been set for early February. I understand that Section 127 of the Magistrates Court Act 1980 provides that these kind of matters should be dealt with within 6 months. Here are the sequence of events: 1. 10/04/2013 Car photographed doin 35 mph on 30 mph road. 2. 17/04/2013 Notice of Intended Prosecution issued. 3. 22/04/2013 Letter request for further infromation. 4. 24/04/2013 Responded to the request. 5. 01/05/2013 Reply to the letter of 24/04/2013 6. 12/06/2013 Letter from Fixed Penalty Support unit, saying 'There is currently no Fixed Penalty procedure in respect of cases where the keeper of the vehicle is unable to provide information to identify the drive. Tje file now forwarded to Summons Procedure Unit who will i due course issue a summons against the registered keeper or nominated user.' 7. 22/10/2013 Summon from Magistrates Court received. Stating: 'Date of information: 21/10/2013.....' 8. 29/10/2013 Not Guilty plead sent to the Magistrate Court. 9. 16/01/2014 Summon received. In light of the above sequence, I think the Magistrates Court should not be dealing with this case anymore, as the 6 month period has lapsed. Can anyone please advice? Many thanks.

How likely I am to get disability element on top of my working tax credits, based on the tax office guide lines, I think I would be entitled to the disability element, but dont know what the tax office would think I work 16+ hours per week Due to my health, I am unable to work, 5 days per week, or any long shifts now, so I only work 4 days ,and 6.5 hrs I have a secure job, in asda, so for me to find a new job, I think I would have some difficulty in doing so My health is poor, due to slow heart rate, high cholestral, and angina, easily get tired, and exhuasted. Have been in and out of hostipal getting tests done for last 2 years Because of my health I have had to take time of sick, and the way my days of sick work, does not allow me to get ssp, as it is my day off Since my health has got poorer, my earnings have been vastly reduced; 2008-2009, £12,600; 2009-2010, £9500, so my gross earning are less than the year before If I didnt get disability element then I would have to work more hours just to meet outgoings, but in doing so, I may very well make my self more ill, as I realy need to rest

I filed a defence to a claim issued by Arrow Global in April 2011. Heard nothing until today. Recevied letter from Arrow asking for details of income and expenditure. I never acknowledged debt but send £1 in August 2008 for information which they used to reduce my balance. The court claim is for £10210 but todays letter says £9920. Any help please

I rented a property in January 2007 and paid the deposit. As it was prior to the new rules of deposit schemes, the landlord held the deposit. After being tricked into leaving in October 2007, the landlord refused to give the deposit back. I have tried sending requests to return it, but get ignored. I thought i would try moneyclaim.gov.uk, but i cannot use it for tenancy deposits. Is there any other way to claim for this money? I am also claiming part of October's rent too. Any help would be appreciated.

This is a very good move. The rules which required payments to be made in 10 installments have never been fair. http://www.thisismoney.co.uk/news/article-2255514/Council-tax-bills-paid-12-months-10-rules-overhaul.html

Hi everyone, I'm a new poster, so please be kind - I'm sorry if this is in the wrong place, or has already been covered. I've had a look through the sticky posts, but my understanding is that the legislation on deposit protection changed in April 2012, so they may not be up to date? Anyway, here goes - we have been living in a flat since 2008, and our contract ended on the 17th May this year. Since then, we have been in dispute with the landlord over their proposed deductions, which we believe to be unfair. Recently we decided that we weren't going to be able to resolve this ourselves, and I logged onto the TDS website and entered the details, only to find that our deposit was actually only protected after the tenancy ended - nearly 4 years late! My understanding is that the TDS won't take the case unless the deposit was protected during the tenancy - so it's going to have to be the courts. I'm aware from some googling (and the Shelter website, which is amazing for this sort of thing!) that they are in breach of contract. As I understand it, if we went to court we would be entitled to our deposit back, plus between 1 and 3 times the deposit in compensation. I have a couple of queries though. Firstly, does anyone know how much taking this sort of thing to court costs in court fees? I know we could ultimately claim them back, but we're pretty tight for money at the moment (being over a grand out of pocket). Secondly, how long does it typically take to come to court and be resolved? Thirdly, can the landlord still claim deductions from our deposit in a court situation? And finally, can we represent ourselves or would we need to hire a lawyer? Can anyone help with this? I would very much appreciate it. Thank you!

Information Note Wednesday 4 April 2012 OFGEM LAUNCHES INVESTIGATION INTO ENERGY SALES BY E.ON Ofgem has today opened an investigation to establish whether E.ON is complying with its obligations on energy sales. The investigation is being launched following information which has come to Ofgem’s attention regarding E.ON’s marketing activities. In 2009 and 2010, Ofgem strengthened suppliers’ obligations relating to energy sales. The changes set out that suppliers are required to put in place robust processes to guard against misselling. These obligations include ensuring that any marketing material that suppliers use and information that they provide during telesales and face-to-face marketing are fair, accurate, easy to understand and do not relate to products that are inappropriate for the customer. In addition, suppliers are required to conduct any telesales and face-to-face marketing activities in a fair, transparent, appropriate and professional manner. Ofgem is continuing its investigations into the energy sales practices of Scottish Power, SSE and npower and has recently concluded an investigation into EDF Energy on this issue. -ends- 1. The investigation will examine whether E.ON is complying with standard licence condition 25, which regulates face-to-face and telephone sales activities. The fact that Ofgem has launched an investigation should not in any way be taken as implying that E.ON has breached licence conditions or otherwise broken the law. As part of the investigation process Ofgem will examine any evidence of non- compliance and consider whether there are grounds for exercising enforcement powers. Further information on the investigation process and the potential outcomes can be found in Ofgem’s enforcement guidelines. 2. Live investigations into energy sales Ofgem is continuing its investigations into Scottish Power, SSE, and npower. For the avoidance of doubt, the fact that Ofgem is continuing these investigations should not be taken as a conclusion that any supplier has breached licence conditions or otherwise broken the law. 3. Cases now concluding Ofgem recently concluded its investigation into EDF Energy’s compliance with standard licence condition 25. EDF Energy has proposed to make payments