Whilst looking for information on a now closed thread. I was reading this thread and have since noticed not a lot has changed except the date and the names of the posters except a few whom are still around! Even 10 years ago there were arguments and the like between posters and others. For this thread see here >> http://www.consumeractiongroup.co.uk/forum/showthread.php?44284-Bailiff-discussion-(-moved-from-hijacked-thread-) So it goes to show you/we as posters can really never agree on any part of the Enforcement discussion. Maybe that if a few more regular posters read this thread in full can they too see how nothing has really changed! The thread linked to in my post actually ran to 368 posts and the final post was by a regular post on CAG called citizenB Site Team their final quote on this thread was >> ' Re: Bailiff discussion ( moved from hijacked thread ) The Consumer Forums - Bailiffs - Debtors Rights and Remedies in the Law of Seizure of Goods This latest book may be of interest for those with bailiff problems. Limited offer on at the moment. ' The reason for this thread is to show how little has changed except posters names and dates.. Worth bearing in mind for future reference... I guess I was bored today!! I wonder if they even remember this thread

Hello. I am new to this forum. I wish I had joined ages ago. Please bear with me because the full explanation of my situation is quite lengthy. The mortgage start date was 24/01/2008. No payment was missed until 07/2011. I had gone to university in 2009 as a mature student to pursue an undergraduate degree. I was working around my studies when that contract ended, it was difficult to find other employment due to the recession. I was only able to get two short-term contracts during the whole three year period. A repossession order was issued in June 2012. The order was suspended in September 2013 following an eviciton notice, my filing the N244, and a hearing. I was in employment and could afford to pay enough to cover payments and arrears by the end of the mortgage term. I kept to the arrangement for a full year but problems resurfaced when I went back to school for further study in September 2014. It should be noted that I secured part-time employment before resigning from my job to resume further study, aware that my monthly mortgage payment would soon reduce by over £500 due to my having paid off one ‘Element’ of the mortgage in full which meant I would be able to get by for the 1 year duration of the course. I however had to cancel the Direct Debit because my mortgage lender failed to amend the payment amount despite my communication with them, and attempted to take payment of the same amount as previously on two occasions. All this was explained in detail on an Application to Suspend the Warrant of Possession which I filed on 06/08/2015, but a hearing never took place because I came to an agreement with my mortgage lender. Under the new agreement, I was supposed to start making payments on September 2015. At the time, my course had ended and my part-time employment had become full-time. I changed my bank, had a few problems and missed that payment. I explained this to my mortgage lender in October. However, the real problem arose because I left the job shortly after due to some internal changes after a company takeover. I was not fired and therefore did not know how to communicate this to my mortgage lender, especially since I had no other means of making payment. I was also sure I would secure another job quite quickly it turns out I did not start a new job until the beginning of January 2016. Meanwhile, I had received an eviction notice sometime in Decebmer 2015. I filed an Application to Suspend the Warrant of Possession on the morning of the eviction and had an emergency hearing (9th February 2016). The judge was extremely dismissive. It was as if he had decided I was simply irresponsible. He was not even interested in my new job or ability to make the payments going forward. He dismissed my case on the basis that I had a bad payment record and he was not convinced I would keep to a new agreement. He also mentioned something about credit card debts which I had included in the "creditors" section of the Income & Expenditure form. He said my numerous credit card debts contradicted my statement that I live a simple lifestyle and he therefore did not accept that I could live on the amount stated on the form. The credit card debts are not new and have nothing to do with my lifestyle. They were incurred during my undergraduate degree. I told the judge this but he did not care. Credit card statements will demonstrate that that level of debt did not exist prior to 2009, but started and gradually grew during the period of study (mainly accommodation costs). These credit card debts have been included in the "creditors" section of every Income & Expenditure form I have submitted from the very beginning. They were there in September 2013 and during the full year that I was paying £1350 per month. My mortgage lender obviously did not have a problem with them when coming to that agreement and did not have a problem with them in August 2015 when agreeing that I should pay £1493.97 starting from September 2015. They do not seem to care that this was partly their fault. Had they adjusted the payment amount when they should have, I would have continued to make payments under the first arrangement up until October 2015. Now they are adamant that the only way I can get the property back is if I pay the mortgage balance in full, not just the arrears. Amount outstanding on mortgage - £50,469.71 Arrears - £24,541.81 Property value at last valuation - £105,000 (1 bed flat) Remaining mortgage term - 2.5 years Is there anything at all I can do? It has now been 6 days since I was evicted. Thanks in advance.

I haven't got an appointment for a medical yet. But I am scared that I won't be rearded whatever you get when you pass. I think it's ATOS. Anyway, in December my a doctor diagnosed me with anxiety but I also have another problem which is not mentioned on my sicknotes,. It's trapped wind which is embarrising and I am seeing the doctor on Monday for both my anxiety and the trapped wind. My brother has been on ESA for about 9 months because of his Herchsprung's deasease. It's bowl related and he has stomach pains which will make him violently sick, he was born with this. ATOS has now taken him off ESA and I am scared that they';; do this to me as I am nervous around new people and shy. Plus with my trapped wind or whatever it is, is painful and lasts hours. I have had medication but nothing worked. Is it possible to pass with a mental problem then with a physical? I'm just wondering.

I'm reproducing this email despite what it says at the bottom. Will I go to prison The address it came from is Johannesburg South Africa, is that near Richmond ? I live in a completely different part of the country.

One for the news books, Im affected by this, you should reclaim ASAP! It would appear they are also withdrawing from the UK market, although claims should still be supported by the FOS.

There is an announcement about this at the top of each forum but if anybody wants to discuss any concerns or flag up any problems that we have not yet become aware of, then please do it here on this thread.

Like it says. I won't go into detail and I won't enter into any further correpondence but, because of the reception I got for suggestions of sound advice and places where more specialist support could be found - and the debacle in that particular thread that has been unfolding since - I no longer wish to be associated in any way with CAG forums. I dare say the quality of support is, in general, excellent but I have had enough of the hostility here for my positive contribution on the subject I hold close. Interestingly, I now note there have been historically other people here, in a similar situation while pursuing a similar topic, who have been subject to the same treatment and have felt the need to react similarly, all of which which only serves to highlight the questions I have over the reliability and impartiality of advice given on this site. I have requested my membership be deleted on two occasions via the "contact us" facility in my profile but have not even had an acknowledgement, hence the ironic and unfortunate need to make this request, to an organisation championing a Consumer Rights, publically via their own consumer rights forum. Can a mod please action? Good bye Thudd

I am just about to send a letter to Blemain about the charges and fees et cetera. Just wondering if anyone has been successful and got their charges returned to them, apart from the wonderful Wp3.

HI GUYS Just doing this on the behalf of my bro who is 26. He has been off work for 6 months now. He has a part time job cleaning a school. He is still sending in his fit notes to his manager but wants to know if he can also have his holiday pay with it. The holidays restart from 1st jan next year. His contract says that he can't take any holidays over to the new year. So where does he stand? His manager don't tell him what's going on and mostly keeps him in the dark. Can he asks to speak to someone over this like HR? Any advice would help him lots thank you in advance!

Hi Everyone My wife and I hit difficult times in 2008 like most people and we eventually faced the Grimm truth that we could not afford our debts in 2009. Two of these debts were with HSBC, credit cards, that we agreed a zero percent interest rate and a fixed monthly fee to pay them off. Our combined debt equated to nearly £14k. In 2010 we signed with Payment services Bureau so that we could avoid paying interest. We signed standing order mandates to 2018 for my wife and 2020 for me. Over the last few years we have never missed a payment and the standing orders continue to go out of our bank account every month without fail. I have never received any official letters from HSBC stating any re-assignment and the fact that the standing orders keep going out have made me suspicious of recent claims by Cabot that they can hassle me for the balance. Tonight I have returned home to see two letters from Reston Solicitors stating that they have been instructed to seek immediate payment of the outstanding monies. They have given me two weeks from the date of the letter to settle - is this legal?? First of all I've never signed anything with them. Second, I have never had a re-assignment letter on official HSBC paper. Third, I received the letter today (November 16th), how can they demand a response in just over a week? Fourth, the balance they have demanded between us is just under £6,500 so why the high pressure when we've already paid off over half the outstanding amount from 5 years ago? I am working away for a few days and this really limits my capacity to research these parasites. Could somebody help me please? I have attached the three letters - HSBC to confirm deal and freezing of interest Payment Bureau to agree repayment schedule and Reston threatening us We have almost two sets of identical documents, the names, dates and values are the only differences. Can somebody help me with the next steps I must take please?

Hi, This is my first post on here. Please help! I received a letter last week from Concentrix on behalf of HMRC last week stating they were checking my claim for tax credits for the current year. I had put in a claim as an individual and they had information which linked someone else to my address and to me, and wanted to check if I should have been putting in a joint claim. My situation is actually quite complicated and I am now panicking that I may have done the wrong thing and really need both reassurance and advice please asap! Basically, my husband and I separated in January 2015 after I discovered he had been having an affair. At the time I thought this was a permanent separation. At this point, my husband and I separated our financial affairs completely other than him making maintenance payments for our children (we closed our joint account etc, I took over all responsibility for bills and payments for the family home) and he moved into a separate property, leaving me in the family home with our kids. One issue is that he didn't change his contact details on many of his 'affairs' including his banking (!) - obviously this wasn't my responsibility or my fault but I was aware of it, as I continued to receive post for him at my house. As our separation was civil (I wouldn't say amicable...) I was ok to keep passing his post to him as it arrived. I obviously didn't fully realise the implications of him not changing his address i.e. that it would link him to this address and to me, which could cause problems for my tax credits claim.... The main problem however, is that over time we did reconcile although very gradually and are still in this process (we completed our couples counselling just last week). He does continue to rent the other property and we have not resumed any joint financial affairs at all. I still pay for all elements relating to the home I live in with our children including all bills, and he pays for everything relating to his home. My main concern is that he has actually been staying in the family home on occasions since May (I also stayed in his house too...) but more and more regularly as time went on until he is now basically here full-time and has moved many of his belongings back into this house. I should say I was concerned about my tax credits claim as he began to stay back in the family home on occasion back in May and I actually contacted the HMRC customer service line at this point to ask how this situation would affect my claim. I was told by the person I spoke to as far as I remember as it was a while ago (and I recorded the time and date of this conversation) that there was no limit to how often my husband stayed in the home as long as he had another property which was his home i.e. he was paying for another property, paying bills, keeping his belongings there etc. I was surprised by this answer to be honest ie that there was no limit to how much he stayed, but I was reassured that I was ok to continue to claim tax credits as a single claimant. (I had said me and my husband were gradually reconciling etc and the advisor NEVER said I had to put in a 'change of circumstance') This may have been naive of me and maybe I should have looked into this further but I obviously went on what the HMRC advisor told me and didn't look into it further myself... To complicate matters further, I am now pregnant with our third child - this was a complete unplanned accident but it clearly confirms we are having a proper relationship, so to speak. Just to reiterate, there are still no financial links between us other than the historical ones - I am paying for 'my' home and he is paying for his and all the documents prove this. Of course, we do buy things for each other ie if we go out for a meal or a trip out with the kids etc... The plan is that he will be moving officially back into the family home as of December ie in the next few weeks, so we can have a fresh start with Christmas and the New Year and we will once again link our financial affairs fully and he has given notice on his house so that would no longer be in his ownership - I would of course then have informed HMRC of this, and reverted to a joint claim. I am now concerned that we have been overpaid as I should have been making a joint claim, (although when from I am not entirely sure - from when we agreed to make a go of it? the first time he stayed back in the family home? when he started staying much more regularly?) although I was only following the advice given in the phone call in May as to how our situation affected my tax credits claim. I have all the evidence which proves we have still two houses which we pay for independently as my husband is happy to co-operate in providing this (rental agreements, bank statements, utility bills, council tax statements) although the letter from Concentrix only asks for my documents. However, if you actually investigated fully (asking neighbours and so on) it would look like he moved back into my home a few months ago and obviously his address is still listed as being here on a lot of things and I am carrying his child ... I am now really concerned about the letter I have received as I genuinely believed I had done everything according to the 'rules'. I am feeling sick with worry that I have done something wrong (even if it was unintentional) and I am going to have to not only repay a large sum but may have to face a penalty and even criminal prosecution my husband and parents tell me I am worrying unnecessarily and if I send in the relevant documents, together with an explanation that I didn't realise the implications of him not changing his address, it will be enough to complete the check. Is this right though?? Am I better calling HMRC direct and explaining the situation??? What I don't want to do is to send off the documents as requested and a statement which then creates further questions but equally, I don't want to 'hide' anything and then have it come and bite me later on... Please help - as I say I am sick with worry. I am the sort of person who hates to do anything wrong and it is making me feel ill that I may have, and may have to face consequences for this. I just want to get it cleared up asap Thanks.

I have been incredible stupid and continued to claim tax credits as a single parent when my partner has lived with me for several years. I am really ashamed and can't believe why I allowed myself to be so greedy and stupid. I have two kids from previous relationship and one with current partner . Current partner is on the mortgage and council tax as would not have got the house otherwise. I think it will be virtually impossible for me to prove he hasn't lived here all the time. The bills are in my name, but we have the mortgage and council tax in joint names. they have sent a letter saying they are looking at April 2014-2015 and the current year. I am beyond terrified that they will look at previous years and the overpayment will be massive as well as the fraud meaning will go to prison. I have an appointment at the CAB tomorrow. I want to fully admit that I was not entitled to claim for the time they have stated in their lette r and will offer to pay back in full if they will let me _ bank loan maybe? Should I come clean about previous years? I am making myself sick with worry - my partner had no idea I was doing this. Can anyone tell my what happened to them? I can't look my children in the eye and I am convinced I will be sent to prison.

On Aug 21 2015 I purchased a 2009 BMW 730i Ld privately (not from a trader or dealer). It had been advertised on Autotrader with a full 9 page HPI Check. I paid £12,500 by way of £12,000 bankers draft to the seller along with £500 cash. On 28th October a woman knocked on our front door saying she was from Bow County Court and wanted to speak to my wife in regards removing our vehicle in respect of a court order she held. The court order was from a finance company to the owner previous to the seller I purchased the car from. Transpires that the previous owner sold the car to the seller we bought from in July 2015 with finance of £7,000 still owing to the finance company. Our seller sold the car on to me within 1 month with what appears to be a forged HPI check stating there was no finance on the vehicle. The seller didn't register the vehicle as he said that because he was selling the car on so quickly, he didn't have time to register it. The 'Bailiff' who we later found out was a Collection Agent for the finance company said that she was removing the vehicle immediately from our front drive. She said that if we tried to prevent her from taking the car then a truck would come to lift the car off of our drive. My wife and I simply couldn't understand this was happening to us and has caused us huge distress. Concerned by her threat to forcibly lift the car from our drive, I phoned our solicitor (who doesn't specialise in matters of this kind) and he spoke to the collection agent saying that under section 27 of the Hire Purchase Act 1964, where a motor vehicle is subject to an HP or finance agreement, while the vendor does not own it and has no right to sell it, a private purchaser who buys the car in good faith without notice of the HP or conditional sale agreement obtains good title to it and that the collection agent therefore had no entitlement to our vehicle. Whilst I was speaking to Mr Lucas, the agent asked for the car key so she could take down the vehicle mileage. At that point I said I was calling the police as we had good title to the vehicle and she had no authority to remove it, especially from our property. I went into my house to call the police and a minute or two later looked out of our front facing window to see the vehicle was gone. A number of questions. 1. The finance company is now in possession of the vehicle, does this section 27 of the HPA 1964 require them to return the vehicle to me and if they refuse what are my options? I don't have the money to seek a solicitor to take out an injunction preventing them from selling the car / return the car to me. 2. If they refuse the car I don't have the money to issue proceedings in the court for the £12,500 I paid for the car in good faith, again, what are my options? 3. My car is probably worth about £13,500 as I spent £1,000 on repairs last month. The outstanding finance I understand is around £7,000. Do the finance company have the right to pocket the difference and is there anything I can do about this? 4. The collection agent falsely represented herself to us and our solicotor as a court bailiff, do we have redress against the collecion agency We now have no car and no money to purchase another one, it is all very distressing.

Hi I am new to the site and out of mind with worry. I have been claiming as a single person when I have been living with someone for 9 years. The relationship has been rocky since day 1 and he had suggested we separate in several occasions. He's had affairs and told me he doesn't love me but we've stayed together in the same house as I'm on a low wage and can't afford to move out. The house is his all bills and mortgage in his name. The house is up for sale at present and when it sells I'm on my own with my son who is not my partners he is from a previous relationship. My reasons for doing this were that I thought we would separate sooner than this. I don't contribute to the bills he pays everything for which I am grateful. I only earn £900 a month so it's difficult to move out as I can't afford to rent. I have no family other than my 85 year old mum who lives 80 miles away. I feel I'm totally on my own. Had a letter stating they have information that someone else lives in the house. I have rung to stop my claim but they say I have to wait for the next letter asking me for information. I'm out of my mind with worry not eating not sleeping and seeing my doctor next week as I'm just not functioning. I've never done anything dishonest in my life and never even had a parking ticket. I genuinely believed we would separate before now and stupidly left my claim as single. With all the emotional turmoil I just pushed it to one side and honestly never gave it another thought. I admit I filled in the declarations wrongly but am willing to be totally honest and up front with them. I'm so worried I will go to prison. I'm all my son has and I can't bear the thought of him being left alone. No idea of the over payment yet but fear it will be extreme. Please any help and advice would be appreciated. I can provide further info if needed. Please don't judge me.

please can anyone help me, At 6.50pm today (20/10/15) I was sacked on the spot - no warning, investigation or suspension. I have been there for 13 months, I have done nothing wrong. I made a complaint that my line manager was bullying me 2 weeks ago - then out of the blue I am sacked for lacking the skills to do the job? no warning, capability or ever has this been brought to my attention before. Do I have any rights? I have been offered 2 options and have until 7pm tomorrow (21/10/15) to decide. a) be sacked with 2 months pay, or b) resign with 4 months pay. there is no reports of paperwork, these will only be given if I accept being sacked? I have done nothing! help x

Hi, I'm hoping someone can help. I have a business account with Vodafone and we have recently tried to move two numbers over to two different contracts that have longer expiry dates. We were initially told this couldn't be done, so decided we would probably get the PAC codes and move the numbers to a different network. Obviously in the process of trying to get the PAC codes we got through to the retention team and they immediately said that they could transfer the contracts without a problem. They told us that all that would happen is that the numbers would be moved to PAYG and then moved onto the new contracts. Within minutes of this conversation, the two numbers lost signal and appeared to be disconnected. On phoning VF back we were then told it may take up to 24 hours to restore the number. 24 hours later and we were told a different story and that it would take a further 24 hours to restore the numbers. Another 24 hours passed and we have were then passed around various departments with no further progress. Yesterday we were told everything would be back up and running within 6 hours... still nothing. Today, at long last one of the numbers has been restored, unfortunately my number hasn't and I'm now being told it could take up to 30 DAYS to 'find' my number. I am failing to understand how a number can be lost in the first place, let alone go missing for 30 days. This is business and personal number (which I have had personally for over 10 years) and I am missing important calls from clients and potential customers, not to mention family and friends. Any help would be appreciated I am not getting anywhere with call centres. I have sent a request to the web team based on instructions in the forum. Thanks, Richard

The Aurora Borealis - better known as the Northern Lights - has been visible over parts of the UK. Can you believe this. First of all the Super Eclipse Blood Moon now a chance to see this. In one year.Maybe a month. I am so happy i could sing, dance.Spin around and may just do one or all of these things. Believe there are chances to see it for the next few weeks. Now i know there are many photographers in these rooms on the CAG. Who can take a fine picture. If any of you whether mobile or digi camera sees this Aurora in the skies over the next few weeks could you post a picture. Or maybe as you are keeping a eye on the sky post here when you see it in your area. A early warning so others may look out of windows and see it. Link that explains.With many pictures and other links to explain how and when you might see this marvel of the skies. http://www.bbc.co.uk/news/uk-34472301 Off now to take a peek. Checking,Camera, Tripod, Telescope,back pack,supplies,binoculars,stun gun,dog, ok should be enough for a hour or two. I have never seen it have you? Just doing a radar check on cloud etc. Check out your area.Whatever day,when you press i feel it will be current. Up-to date. Pop posty code in and away you go. No good if cloudy or danger of storms etc. Otherwise we would be lighting up the skies with all that metal we will be carrying. A link for you. http://www.netweather.tv/index.cgi?action=radar;sess=

A barrister who dodged train fares for two years has been brought to justice Dr Peter Barnett, 44, was given a 16-week suspended sentence after swindling a rail company out of £5,892. Australian-born Dr Barnett, who won a Rhodes Scholarship to Oxford University, had been accused of avoiding £19,689. But his lawyer Angus Bunyan argued successfully that the figure – based on the full single fare for each dodged journey – was too high. http://www.express.co.uk/news/uk/609167/Barrister-fare-dodger-two-years-sentenced-court http://www.express.co.uk/news/uk/569758/Lawyer-prison-rail-fare?_ga=1.49340771.450238813.1443865536

Tickets for centenary commemorations of the Battle of the Somme have been made available by ballot. Residents of the UK, France and Irish Republic can now apply for free tickets for the ceremony at Thiepval Memorial in France on 1 July 2016. The Somme was one of the bloodiest battles of World War One with more than one million casualties over 141 days. The online ballot will be open until 18 November - the day the battle ended in 1916. READ MORE HERE: http://www.bbc.co.uk/news/uk-34361335 This is the direct link to register for the ballot: http://somme2016.org/en/tickets-somme-centenary/

Hi everyone, I've been a BT customer for the past couple of years. My Phone/Broadband contract was coming up for renewal so as you do you have a shop about. I found a cheaper deal with Plusnet which I was happy to go with. I phoned BT for my PAC code and a nice lady then started to try and talk me out of leaving. She offered a discount on my current monthly bill (I had to sign up for another 12 months), free caller display for 12 months and the full BT Sports free for 12 months (inc ESPN). Great I'll stay with you for another 12 months then! A month into my new contract I check my bill only to find I had been charged for my caller display. I phoned BT and they apologised and said no further charges would apply (Yet to see if I'll get the money I paid credited to my account). I then get an email saying that a new channel is being released and I am going to get charged an extra £5 a month to receive that, BT Sports 2 and ESPN! One of the reasons I signed up was for the full BT Sports package for free for 12 months. Now a month in they are going to give me 1 channel instead of the 3 I was supposed to get. I contacted BT and the guy on the phone told me that at the time of me signing back up it was true that I'd get all the BT Sports channels but now theres been a change and I can either cancel or pay £5 a month. If I'd have known that this was going to be the case I'd have went with Plusnet when I wanted too as it worked out a hell of a lot cheaper for the same products (minus BT Sports 1 which as of August is the only channel I'll get)! An apology from the guy on the phone but basically I was tied into the contract. I feel like I've been tied into a contract in which I haven't signed up to. No doubt they will say its in the T's and C's (and maybe I should have taken more notice of them when reading through them).

Hi everyone, A new week and a completely different problem but another battle with my Jobcentre. Last Friday I was signed off by my doctor for 4 weeks with anxiety. Things came to a head when I actually hid under the table in my living room because my advisor had called and was leaving me a message. The sound of their voice sent me into a complete panic, shaking, crying and nothing was calming me down. My doctor has signed me off as well as referring me for counselling and I have been perscribed anti-depressants. He made it clear it would be a couple of months before he would even consider saying I was fit for work again. On Monday my friend took the doctors note into the Jobcentre as the doctor said I was to not do anything that makes me anxious. She was told that if I want to have the extended period of sickness and stay on JSA then I would need to go in and be interviewed by my advisor and they would decide whether they would accept my sickness. My friend tried to explain that the Jobcentre and my advisor were part of the reason for my anxiety (I do have other things going on which make it worse as well) and she was todl I would need to be interviewed by the manager then, again another part of my anxiety after my one meeting with them when they reduced me to a crying wreck. Does anyone know if its true that I need to have an interview or are they making things difficult? My friend suggested claiming ESA but I have read this form needs to be taken to the Jobcentre and you again have to see your advisor for it to be processed. I am expected to be sanctioned, I was due to start MWA on Monday bit didn't attend. My friend rang them and they were told only the Jobcentre could stop it. So I am just waiting for the letter and the prospect of no money for 13 weeks despite being ill. All of this is making my anxiety worse. My college course has been put on hold until I am on a bit more of an even keel and then there will be a discussion about where to go from here. Can anyone offer any advice on the sick note issue and what to do. Thanks

Citizen's Advice believe that the majority of payday loans could be complained about; their in depth analysis of 665 payday loan cases, reported to its consumer service between 1 January and 30 June 2013, finds that at least 76% could have grounds for an official complaint to the Financial Ombudsman including: 1 in 5 were possible cases of fraud – where a person was chased for a loan they hadn’t taken out. More than a third involved issues with continuous payment authorities including money that was not authorised to be taken. 12% involved harassment whereby lenders pester people with phone calls and text messages rather than accept affordable repayment offers. 1 in 10 were about lenders’ unfair treatment of people in financial difficulties. Why you should complain to the FOS Every creditor is allowed 25 free investigations by the FOS, all subsequent investigations will be charged at £550 each to the lender. You can read more about the way the FOS charges here: http://www.financial-ombudsman.org.uk/publications/technical_notes/QG1.pdf Given that payday loans are generally given for small amounts, the charge made by the FOS is often very high by comparison - usually more than the actual loan amount. As such complaining could put a massive dent in a payday loan lender's profits. In addition, you may find that a lender agrees to write-off a loan as it could be financially cheaper than allowing a FOS investigation. Get complaining, it makes a LOT of sense. Make your Complaint HERE

Basically I had a hsbc business account which I shut due to the fact I slowed trading for for a while. Started to use my personal account for a bit and then a lot of business subsequently got asked to leave for breaking t&c. Left me without an account, 7 defaults and 3 arrangements on my credit history in the last 6 years. Ive put in an application with Coop for a cash minder, they seem to of lost my application in branch which is a pain. Had a look at the bank groups and basically hsbc aside I had history with all except Santander, figured I had nothing to lose by putting in an application for a business account. Went basic no overdrafts, loans etc. Had an email off them yesterday with a questionnaire which I completed honestly, emailed it back then today received this. "Thank you for choosing Santander Business Banking. We’re pleased to let you know that your Business Current Account is now open and ready for you to use. What’s next? In the next 7 – 10 days we’ll send your card, card PIN, Online Banking passcode and registration number separately (for security purposes) to the home address you gave us." Is that it?, I've been accepted?, can I have a beer to celebrate? or is there something that can go wrong from here?. Other than my credit history I have no other skeletons in my closet or anything. I know all banks are as bad as the other but I did not expect to get a highstreet account in a million years with my account history. I was thinking best case I get a cash minder and a pre pay. I had a large loan and Credit card with Abbey national which were paid in about 2007 but did reclaim a lot of ppi.

I've recently completed payments for an agreed amount with a DCA on a debt that went to court and we decided upon a discounted payment schedule. The debt is finished as far as I am concerned but Im now wondering whether I can claim the historic PPI charges applied? If so, who do I apply to, is it the original lender or the DCA? If its the original lender is there any time limit issue because they haven't dealt with this for quite a few years.

Hi folks, I really, really hope someone can help me out here. I have been self-employed for 4 or so years but I wasn't registered as self-employed until recently and I am still waiting on my UTR. Since I first became self-employed I have been claiming Working Tax Credit, I recently stopped my claim. Since the start of being self-employed, I have been earning nothing more than a few thousand per year so I have no outstanding taxes to pay. However, my problem is with my Working Tax Credit claim. I recently had a letter asking for evidence for my claim, including my UTR. I am still waiting to receive my UTR. Now I am not sure if not having a UTR is going to affect my Working Tax Credit claim. I know since this April having a UTR prior to making a claim became mandatory but I do not know if this is back-dated? I know I have been very stupid - I am in the process of sorting all my affairs out but I don't know if I am going to be in trouble as a result of this or not. Can they ask me to repay 4 years WTC on the basis I was not registered as self-employed? Any advice greatly appreciated!