Hi Guys, I've posted before and have currently got repayment plans set up with 6 of my lenders at the moment, but unfortunately I am heading for a repayment due date for quickquid. The amount is absolutely way too much for me to afford so I am looking to set up a repayment plan over 8 months or so. I already had a pre-default plan but stupidly I got myself right back into the mess as it seemed like the only way out at the time. I have been on the live chat and the person told me i would need to contact collections on the due date to discuss. What would that actually entail - anyone been there done that?? I have sent in the post today a letter revoking CPA and advised my bank the same. I also cancelled my debit card and reported stolen/fraud so have all new card numbers etc which QQ have no record. Do I have a hope in hell of getting a way out of this mess via a repayment plan with QQ? I'm talking about £1200 over 8 months. I am really hoping some of you guys have had some success. Thanks for reading!

Hi. DWP have just informed me that because my son has now reached the age of 18 that i no longer qualify for Severe Disablement Premium. I am in receipt of DLA (for the time being ! ) at high rate mobility and middle rate of care. My son is in full time education at college. He is on the autistic spectrum and receives DLA lower rate mobility and middle rate of care. I have been placed in the support group of ESA contributions and income based. I have a mortgage and get half the interest paid. Do i now have to pay council tax ?? So confused by all of this. I will probably have to sell my home which isn't worth very much.

I know the title say's it all about "PE", like most PPC's they are desperate, but previous postings of their "Parking Charge Notices" to me, and the first reminder, have been spaced by at least ten days. Their latest reminder to me has been only 5 days - perhaps with everybody cutting their household budgets, it also applies to paying "PE" charges, and even they are now feeling the pinch? This is from the "Morrisons" store in Stone, Staffs, who, rather unwisely, I thought, contracted "PE" to install their grubby little camera's at just about the same time as the local "Asda" opened - hoist by their own petard, perhaps. My neighbour works at that "Morrisons" and she has told me that their profits are suffering because of "Aldi" - doesn't that tell "Morrisons" something? Any "Morrisons" shareholders on here, that might care to write to their board of directors - where is "Disgusted of Tonbridge" when you need him? Sam

Hello, desperate times means desperate measures. I hate asking for help but needs must. We are a couple in our late 50's. I have been sick since 2004, but tried to carry on working until last year when I left my employment as I couldn't see a way of guaranteeing that I could be there evry day. Having never claimed a benefit in our lives I went down to the Jobcentre. Eventually I claimed ESA and sent in my sick note. Everything was fine and we were receiving an income. I then had to go to a medical and a few weeks later my money stopped. Then I got a letter from them telling me that I was not sick enough to be given ESA anymore and should claim JSA instead. That was in August. I then went down to the Jobcentre again and they arranged for me to claim JSA. Eventually my money started again. Then I had a meeting with one of the advisors in October who told me that because I had a sick note they had ruled that I could not be treated as looking for work so my money stopped again. Since mid October we haven't had a penny from anybody. I went to the Jobcentre a few times in November and early December to find out what money we could have. Each time they told me to ring the ESA people which I had done many times. The ESA people have told me that I cannot put in a new claim until at least February 2013 unless I have got worse, which I haven't, or have a new illness, which I haven't. I also put in an appeal which the ESA people told me to, but that was refused in early November as they said that I didn't have any good grounds for making it late - I just didn't understand what I was supposed to do. The ESA woman on the phone had a right go at me for not following the advice in their letter and should have appealed months ago. I told her I had followed their advice and claimed JSA! What do I know about appealing? Is this right that we can't have any more benefit money until next february? We have used all of our bit of savings we had and now there is nothingleft. We have been getting food from the bank, but now they are getting funny as we are going to often. We are having to rely on neighbours for some meals but Chrixtmas dinner will consist of sausage & chips!! I would say that the housing have been brilliant, they sent someone out to see us and sorted that out after it kept stopping. Any help please?

hi everyone , probably in wrong place ,but i desperately need help with bailiff coming, i have offered to pay £20.00 weekly to bailiff for 1500 council tax arrears, they say they need to come and do walking possession thing, i'm really scared ,as i have heard once in house they won't agree to what i ca afford and will take my things, i suffer from severe depression and have a son in long term mental health hospital, and just dont know what to do, i need my goods for when my boy comes home for two days a week, any advice please.

Hi All, new to this so please excuse any mistakes or if im not in the right place! Here is my problem, I defaulted on an old loan which im sure it was over 6 years ago when last payment was made, I believe this makes the debt statue barred? Ive received a letter from a company called Clarity Credit Managment saying they are acting on behalf of Arrow Global who's clinet is HSBC (the original loan was thru HSBC) at the time when I defaulted things where really bad in my life, homeless blah blah, no excuse I know, but still. I dont know how they have found me in my current address but I'm really worried as they are threatening to send baliffs to recover the debt, its a little over £7k (the orginal loan wasnt for this much im sure but im assuming this is costs ect?) I have two babies at home so Im terrified to be honest Ive checked my credit report & no mentioned of it on there, please help, do I just send the satute barred letter or is it best to go down the route of denying knowledge & asking for proof?? Hope someone can help & sorry if post too long or in wrong place!! Thanks in advance.

Hi all first post here so please bare with me. I've searching the web for advice on a situation I'm currently going through at work and discovered this site, so here goes. I'm current absent from work through stress, to many things to go through but if I mention just a few, being bullied (swore at during meetings, accused of being a homosexual (I don't have any issues with anyone’s sexuality) in front of my colleagues) as I said, it would take to long to go through all my issues. All these issues have finally come to ahead and it's just got to much for me now so I had to go and see my GP as I just couldn’t take anymore. My question is, I'm now in my 4th week of absence and my employer has contacted me at home today asking to come round tomorrow for a welfare meeting. Can someone tell me what to expect and what kind of questions they can ask. Once again I'm left with the feeling that I'm being harassed and this time in my own home, was I in a position to decline this meeting? My employer at first requested that I attend this meeting on site and could I go in and have the meeting. I declined, as I'm still not feeling to good. Thanks in advance for any advice.

http://www.dailymail.co.uk/debate/article-2188437/The-Dandy--Desperate-news-Dans-eaten-cow-pie.html?ito=feeds-newsxml

I've had a debt with DLC for a while now. Coming up to SB and had a few discount offers from them. Obviously they now realise that no-ones going to get a yearly bonus from me and they' ve passed it on to another DCA. Is this sort of thing normal?

hi please help i have had a judgement entered against my partner and is now with an HCEO and are using the sheriffs office based in croydon, my partner never knew this was going to court as we received no documentation, my questions are what is a sheriffs office and what powers do they have also can i get them off my back as thier fees are £1279 including vat original judgement was £1056.00 i have got an application form n245 to suspend the warrant and i am submitting an n244 form and asking for the judgement to be set aside, what i want to know is what will stop action in the meantime as im worried that they will turn up and take everything before the courts receive these forms. also can i do this through my local county court, as this case was heard in croydon, also if im successful in getting this case reheard will they hear the case in my local court?as we are over 300 miles away from Croydon this case is about some one claiming against my partner for a car accident when our vehicle was parked and he reversed in to us i need some expert advice and know im in the right place to get it regards Kempy

Hello This may be a bit long so bear with me though I will try and be as brief as possible. Okay now way back in 2003 I was diagnosed as being Agorophobic,Depressed and having Panic/Anxiety Disorder. At the time I was put onto Income Support that was topped up with a disability premium. Between 2003 and 2009 I underwent three Atos Medicals at various intervals. On the very last Atos medical I was failed as when the doctor asked me if Could go out - I told him Yes BUT ONLY if I have somebody with me and I also told him I cannot use public transport cannot be any more than 20 mins away from home and cannot stay at home alone. At the appeal stage I discovered the doctor ignored me completely and simply wrote that I could go out! So I was failed and their Decision was upheld. From 2009 (March) up until 2010 I was literally living on nothing at all I did not have a single penny that was mine - I have always live at home with my Mum but she has problems and is in no position to give me money - I literally have no friends never have done (due to bullying whilst at school). Anyway in September 2010 out of sheer desperation I signed on and was on JSA for about one month before I realised I could not possibly force myself into a workplace (I even had to take my Mum with me when I signed on!) So I signed off. In April 2011 my Grandad died very suddenly,so my Gran asked me to be her Official Carer - she only lived across the road and my Mum was always with me anyway even just to go acroos the street - so I agreed and was put onto Carers Allowance. However, my Grandmother is not a nice person she is always shouting and screaming at me and threatning me. I've stuck it out for a year but I cannot take it anymore and so on the 23rd of May I made a claim for ESA - I know I cannot work what sort of employer would allow me to take my Mum with me for the whole of the workday and allow me to rush home when the panic and stress takes hold and I'm in tears due to being so depressed and low and unable to cope with demands? None I would imagine. I'm on Anti-Depressants and today I have to see my GP to try and get a medical certificate for my claim (today was first appointment I could get). Will they be very likely to turn my claim down despite all the problems I have? Will my Gp even give me a sick note? I'm so scared and I don't know where to turn or what to do - any advice? Please - thank you.