Hi.. I am new here. I really hope somebody could help me. I entered sequestration 3 years ago. And this February is my final month to pay contribution towards my sequestration, which is £200 per month. And my IP has advised me that I will be released from my sequestration afterwards. Unfortunately, to my surprise, I just received an email yesterday from my IP saying that they decided to take my car which is worth £1550, or I have to pay the same amount if I want to keep the car. What make me really confuse here is, at the beginning of my sequestration, I owned BMW which was worth around £2300 at that time. But my IP assured me at that time that they not touching the car as the value is not significant and I needed it to get to work, and as long as I have maintain a £200 contribution per month. After a year in sequestration, I have decided to sell the BMW with an advise from my IP, as result that I could not maintained the car. And I swapped to more fuel efficient car. I sold BMW for £2000 and with the whole lot of the money I bought Renault. And I have updated everything to my IP. In fact, I never failed to submit my circumstances review form every 6 months to my IP. I was so confused and shocked by the decision that they make at the final month of my sequestration, while they have 3 whole years to decide about this. Is this sounds right to you? I also wondered why they could be OK with BMW that worth £2300 at the beginning, but not OK with Renault worth £1550 at the end? Please somebody advise me regarding this matter. Your help and words are very much appreciated. Many thanks in advance.

Hi, I have only recently earned a wage that goes above the amount eligible for deferrment. I have deferred every year since (i don't know why i didn't just ignore it after reading some of these posts!) and will struggle to pay back £100 a month for 4 years for debts incurred 20 odd years ago. I was going to ask for a SAR but wonder what action i can take to avoid paying? Any help/advice would be much appreciated Thanx

Hi Guys its all over, my payments have come to and end i'm now free! I have had nothing but hell from this company for 3 years. To come to the end is a wonderful feeling. No more phone calls because i'm late paying. No more late fees and being asked to pay the late charge plus 2 weeks.! I look at the tv and stand, and they really are mine, all mine! I was one of the lucky ones, it never broke down during the 3 years. That was a relief because i moved house without telling them 5 months after i took out the agreement. I had no intention of not paying anymore, i simply carried on phoning every week from my new address. Did you know they have no way of knowing you have moved unless they pay you a visit......Then they get a shock When you call the store they ask for your card details and your address. The address of my card changed (but sort code account number the same) but when asked for number of my house and postcode, i gave my old one......Weird but true. No flag on the pc to say what address the card is linked to. You can be anywhere in the country, so long as you still pay, you wont get harrassed i suppose. It goes to show that not everyone that moves house is avoiding paying BH. I could have done a runner, but i hung in there. I wanted to look at my goods and pat myself on the back when payment was made in full. Until the very end. Even then they wanted more money than i expected but i paid it get rid of them. I have accepted that i was one of many paying higher interest rates to cover the people that do stop paying for whatever reason. I will never, ever go back to these people. I cant bear looking at their tv ads, they make it look so simple. Its not. Dont you dare have a family problem come up. Dont dare have a sick child or loose your job. Dont dare to forget whilst cooking the dinner or whatever..... There is NO mercy where they are concerned. They have targets set in their store, they will do whatever it takes to make sure they are met. Good riddance Brighthouse! The only positive thing i have to say is i met ONE member of staff who was genuine

I have one default on y credit file from 5th January 2009 so i know by 5th Jan 2014 it will come to an end but what happens to it, does it just go away, or drop off...or does it go to settled, or satisfied, or do i have to get it removed?

This is likely to be a move we will see from other Councils. It will surely affect those who entered the buy to let market before the credit crunch and find themselves with empty houses as the austerity measures bite. http://www.bbc.co.uk/news/business-20634448

My husband and I currently have an interest-only mortgage with Future Mortgages which ends in September 2013. Both of us had good jobs but 2007 I had a bad fall at work and eventually lost my job as I was unable to sit at a computer all day. I am still on Incapacity Benefit and Industrial Accident benefit. In 2008 my husband was made redundant as was told by the Jobcentre that he was wasting his time looking for employment. As my husband had a small private pension he took this early to try to continue paying our bills. As a result of this we were told we did not qualify for any benefits as we had £10 a month too much coming in. Our endowment insurance turned out not to be worth the paper it was written on and due to our lack of finances we were unable to pay it. Our mortgage is now due to be settled with an outstanding amount of £250,000. We believed that we would be able to sell the house and repay the debt with no problem as it was valued at £300,000 two years ago. It is now worth less than the mortgage. We have considered handing the keys back to the mortgage company but do not know what the consequences would be, We could try to sell the house at below its value and still owe the outstanding balance. As we will both be on state pension next year I don't know how we will ever be able to repay this. Any advice would be most welcome.

Hi all, I am 18 months into a 24 month Vodafone contract, for the last 8-10 months the data service has been a joke and the voice recently has been virtually non-existent. I have of course complained numerous times and get responses varying from the tedious scripted battery out sim card out routine to a apology and £5 credit (only the once) and told to complain as often as I can. As I work in multiple locations I know it is not the phone, I get excellent signal and high speed data in the next town, I also have the knowledge that my employer (district council) has had to ditch vodafone due to the data issues as we use apps on our work phones. Vodafone told my employer that the main mast/node (whatever) is defective and as we only have a population of 53k we will not be getting a fix till 2013 (I am in the process of getting all communications from our office). If I lived in the middle of nowhere it would be understandable but I live slap bang in the middle of Barnstaple in North Devon, when I took out the contract I did not have to stand in the back garden to make and receive calls. I know only have a data service if in direct line of sight and within 500m. The mast itself is on top of the college on top of a hill with good views across the town. Vodafone obviously will not release me from my contract unless I pay £150, they will supply me with a sure signal box if I want (I don't, I use wifi at home and need the data service when out and about). I find this highly frustrating that I have to pay for a service I cannot use (I use about 10-15 mins voice a month and even less txt's) and flatly refuse to pay to end this misery. I have visited the local C.A.B. and have some info, they think I have a case under the sale of goods and services act 1982 but they were unable to find me a letter template to put forward my case. They recommend that I complain to OFCOM, though I know they do not deal with individual complaints, as a Which subscriber I am going to see what advice they can offer as well. I want to try and find a solution without having to take full legal advice and possibly court action, I cannot believe a company can be allowed to supply such a poor service for such a long period of time without any come back on them. As I already mentioned my employer has dropped Vodafone due to the very poor 3G service and are going to supply me with whatever they have to back up my case (my managers personal phone is with vodafone as well and is increasingly frustrated, though he not as heavy data user as myself). Any help will be definitely appreciated as this is now causing me considerable stress on top of trying to recover from ptsd, Thanks, Phill

http://www.dailymail.co.uk/news/article-2222524/End-road-Transit-500-jobs-iconic-van-Ford-branded-backbone-Britain-wont-anymore.html

Hi all, haven't posted on here for a while as I did the whole CCA thing which produced no countersigned copies, got the usual harassment letters and phone calls which eventually died down. This was pretty much 3 years ago. Now I have received CCJ letter from a court in Northampton for £9,290. I don't know what to do and am at my wits end. I live in Essex and the thought of going up to Northampton fears me with dread. Can someone please explain what I have to do and my options. By the way I should mention that I received a letter from a company called "Money Save Solutions" at the same time as the CCJ letter offering help with my debt. Should I take them up on their offer? One thing that really worries me is that they offer to protect my home/car etc. Could the court issue baliffs to pay this debt or is it a case of reaching a payment plan? Please help as I am really worried. Many thanks,

Please can someone help me? I have been crying all morning and am worried sick. I received a letter this morning from court for a hearing on the 02.08.12 'Claim form for Possession of Property. My mortgage company contacted me at the end of May to re-set up a direct debit. I returned the forms and assumed everything was OK. I called them on Monday to ask why my Direct Debit had not been taken and they said they didnt receive the forms but i now have received a court date so I'm was too late and have to pay my arrears in full else court They are just over £5k and I cannot afford to pay in full. I offered £200.00 a month on top of my monthly mortgage payment of £392.00 but they refused. I asked them to resend the forms again which I received yesterday upon my return from work. I have sent the direct debit form back recorded delivery today. What will happen to me in court? Will I loose my house? I am petrified as I have 7 dogs and m father who is 84 lives with me as I am his full time carer. Please help me.

I majorly messed up with gas and electric in my student rented house. I'm attending court tomorrow in some desperate plea to set up a repayment plan but I really don't know how likely it is. The problem is that my housing contract says I can't fit prepayment meters or anything. Does anyone know what I can do if the warrant goes ahead and they have to come around and fit one tomorrow?

Try finding this major news in the media, it's been ignored. Details here http://bma.org.uk/news-views-analysis/news/2012/june/scrap-work-capability-assessment-doctors-demand and here http://diaryofabenefitscrounger.blogspot.co.uk/2012/06/bma-demand-immediate-end-to-wcas.html