I live in Dorset with my husband and little rescue dog who is a shih-tzu/bichon frise. I'm not totally au fait with forums so you'll have to be patient! We live in a very small bungalow having had to seriously down-size 18 months ago but we're getting used to it and my husband has done a fantastic job with the garden turning it into a little paradise for us to enjoy the sun!

I hope this is the correct place for my query, however I couldn't find a specific Credit Card section so did a search on "Aqua" which led to existing posts here ... ************* I am amazed by the brainless incompetence of Aqua. I am unable to keep up my credit card payments, and in October notified Aqua accordingly and asked for the appropriate claim form in order to activate my PPI. In the absence of a response I have written repeating that notification and the request, but still have not had claim paperwork. In that time my account has missed two payments so is further in arrear now, which could have been avoided had I been able to claim when originally intended. I have also received chase letters, to all of which I have responded pointing out that I have been trying to take proper steps for weeks and been prevented from doing so by their apparent inefficiency. At different points in this time I have been written-to by Matthew Ball, Senior Collections Manager, by K Stafford, Head of Collections and Recoveries, and by Charlotte Gurnell, Senior Operations Manager, referencing my overdue account. I have written immediately to each pointing out that I have been endeavouring to be able to invoke my PPI to stabilise matters, and that I was still waiting for Aqua to make any move whatsoever. Each time I requested their personal intervention to move things along. The only response I have had is standard letter offering to make a repayment arrangement. Laughably, that letter also stated that I might not realise that I have PPI on the account so I might want to consider making a claim! Last evening I wrote letters following-up my personal letters to messrs Ball, Stafford and Gurnell, pointing out that in five weeks I still had not had the claim forms, nor even the courtesy of an acknowledgement of any past correspondence including my replies to them. I requested immediate action before their collection processes geared-up a level because nobody was taking steps to stabilise matters. These letters were posted first thing this morning by recorded delivery, something I have had to do for a while since being told that "we have no record of receiving them so the Post Office must be to blame not us" And now, a couple of hours later, I have received a letter advising that an Aqua "representative" is visiting on Monday! No doubt he/she is calling to obtain either payment of the arrear or to go through the motions of setting up a payment plan, entirely unaware of all of the above because nobody has ever done a single thing in response to my initial perfectly reasonable and proper steps when becoming unable to continue. I have very limited time to take steps now because of being right up against the weekend and the visit is booked for Monday ... But I am not at all confident that any step I might take would actually get further than yet another brick wall anyway! ... were I to follow-up today with contacting any of those senior people again to have them cancel the visit and get my PPI claim rolling at last, I have very little expectation that anything would actually be done or get down the chain of command to where it would be needed in time for Monday anyway. So firstly I want to know how I can have them cancel their visit?! It is actually no problem just to be out all day, however that isn't really sensible plus wouldn't achieve any progress where it matters and would presumably only result in repeated visits at varying hours until successful anyway. And of course I want to get my PPI going still! I need a claim form etc from Aqua but despite now a total of eight letters to four different people across five weeks, mostly by recorded delivery - only one of which has had any reply at all - they have not yet provided anything enabling things to move along. At a push I could actually get enough together to pay the outstanding arrear if that would cancel the visit and allow a few weeks til the next payment falls due for the PPI arrangements to hopefully get taken care of. However, firstly I'd rather not, and secondly I shouldn't have to anyway because if they had responded when I first asked, PPI would have kicked-in and the arrears wouldn't have arisen! But if it is the lesser of two evils I would be willing to do it. So please can anyone advise with regard to halting the visit on Monday with only the rest of this afternoon plus tomorrow to act? Also, does anyone know of a route in to someone in authority at Aqua who can actually be contacted and has the ability to get off their bum and call off the dogs and also get the claim form sent to me? A simple step I had assumed five weeks ago! Howard

Hello I am Andrea Borman. I am a new member just joined. I have a problem and have started a thread which I hope you can help me with. In Law section as I don't quite know where to post as there are so many forums.

Hello, I'm new to the forum but I'm rather worried about a recent discovery. I bought a double decker bus to put in preservation last year. I recently discovered that I may be liable to a fine as it has NOT been declared SORN. The liability date was 01/07/2012 by which time it was still in service with the bus operator and I wasn't the new registered keeper. It passed to me on 24/07/2012. I've had no contact from the DVLA, no V11 reminders or anything since the V5C document came through confirming it had passed to me. Who's in the wrong here? The bus company were obviously running the bus illegally and I haven't had any notice to say it needs to be declared off-road. I really don't want a fine. I have no log book or anything. Only DVLA document I ever had was the V5C. Best regards, Robson Field.

I purchased a mobile phone contract from Tesco Mobile in Bridgend. Upon getting it home and having a play around i didnt like the phone much which was a moment I was very glad of a 7 day cooling off period. I returned the phone within this time and was told by the deputy store manager that was it basically. I questioned when I would receive the refund on my account and he said give it a week due to the timescales being over Christmas. In January I then received a letter stating I had an overdue payment. I rang Tesco and was advised that I had incurred Data usage charges within this date and needed to pay it, dispite being told no further commitment by the REP in store and that no deposit would be returned. I naturally declined to pay advising I had been given the wrong information. The store have advised nothing they can do as no witnesses or documents to prove that has happened and also that it needs to be paid, this has had a bit of a nose dive on my credit file and I am absolutely furious, any advice? Have rung in today and no-one cares at all. Thanks (hope i havent rambled too much!)

Hi I'm not very techy, so I hope it's not too much of a silly question, but am I able to change the email that I'm registered with on here? I got a new laptop, which is fine, although I did forget my password at first lol!, but my Husband bought me one of those Samsung Galaxy tablets, and I have a shiny new email address that I access everything on through it, apps etc - it whistles when you get a notification of a post or something, so I'd like to have my account here connected to it! I've never been wolf whistled so much in my life

http://www.consumeractiongroup.co.uk/forum/showthread.php?387463-Fined(in-2008)-and-received-a-bailiff-notice(March-2013)

I had Whyte & co attended my house for a liability order for a unpaid council tax bill When I contacted Thurrock council and asked how much I was in arrears they replied that I wasn't but the fact I didn't pay on or before the 10th of each month I was in breach of the agreement and a liability order was applied for. I paid the council the outstanding balance that was about £200 and the £90 charge that the council had added for taking out the order. so now the balance is £0 but the bailiff are saying their fees are owed and that the liability order is still enforceable as there fees of £67 is owed. Am I correct in thinking that if the balance at Thurrock council is £0 then the liability order is not enforceable.....

This is an old video with President Reagan in the front row. He is sitting along side of Speaker of the House, Tip O'Neil, enjoying an evening together at the Ford theater. A very funny act takes place on stage. With all of today's security around any of our Presidents, nothing the performer does here could ever take place now. http://www.youtube.com/watch_popup?v=n6mbW-jMtrY&feature=player_detailpage

Hey all, I'm going to be keeping certain details vague, as I'm in a reasonably unique situation which could identify me quite easily. We're in one of the capita-equita areas, and my boyfriend is dealing with council tax nonsense. He found out the exact amount as handed to Equita, it's being paid online, and he/we have refused to deal with the bailiffs from the outset. My boyfriend put a notice out front about withdrawal of right of access/trespass/harassment that he found online (I have since worked out from you wonderful people that those things only hold weight in certain situations, such as where a bailiff is acting ultra veirs, or where the LO is dodgy). Okay, so... for information only for those of you who keep track of this stuff... Equita have front loaded fees, it seems to be for the statutory amount, which is fine, but they put those fees on with the very first letter, which was posted a few weeks before the first visit took place. We don't need help with fees at this point, and there is no car to levy against. . I was alone in the house for their most recent visit. I've been too shakey to go to the door, so just hid out of sight. However, they tried to open the door by the handle (understandable), but they also messed around with the lock - it has a distinctive sound, so I'm pretty certain it was the lock. When I looked online about lock picking, I came across lock bumping which sounded similar. Due to the bracken/bramble, no one can see the front of the house, so they would know they were totally secluded. I realise the easiest way to deal with this is small cctv camera, so if anything happens it's recorded. And I'm looking into it. But I would prefer for nothing to happen in the first place. This is due to point 3. . I don't actually live with my boyfriend, but do stay here most nights. I'm classified as a vulnerable person. I have several unseen disabilities (nothing life threatening) but one of them is ptsd. I have also, through a weird twist of legislation, been denied any benefits for 12 months, so have been living off the generosity of friends and family. I can certainly provide evidence of my disabilities to any callers, and to the council. But given that I'm not actually resident at my boyfriend's house, would he still count as a vulnerable household? Obviously the whole thing with the possible lock bumping has left me very shaken and jumpy. I was awake for 4 days straight flinching at every tiny creak or sound the house made thinking they were back and trying to get it. In the end I had to take temazepam to sleep... Can we still write to the council to say that we're vulnerable? . Part of the reason I'm not formally living here is due to the stuff I don't feel I can go into as yet. But it's financial related, and that it could stuff me up next year financially if I say me and my partner are living together as a couple. The situation I'll be in next year is only financially an option if I am single, I wouldn't be able to do it if part of a couple... I know this sounds cryptic... Think of me as being on a career break due to illness, but unable to get a penny in sick pay! Also, I promise you it is all legal! I'm just unfortunate in the way the legislation has been written. . my final question concerns what happens if one or other of us need to get in/out of the house whilst the bailiffs are here? I know they're not allowed to do foot in the door or force their way in (nor are they allowed to bump the lock), but a remote/secluded house with no onlookers, and my/our word against theirs... I am worried... Can we order them to move, and if they don't call the police? I'm worried that me/my partner may be attacked by them if we're trying to get in or out also. Oh, I realise one of the questions usually asked concerns walking possessions - no, they have never gained access or been interacted with. We keep all doors/windows locked and bolted. Please feel free to ask anything else I'd prefer to not say where I am or details that may identify me, as I realise they read these forums, and just other general Internet security things Thank you. Cerberus

Hi i am new to the consumer action group, i am looking for some advice/information on a specific company called Credit Resource solutions. i have revied a number of texts from these people asking me to contact them, when i do contact them i never get any answer sounds like a fax machine?? i have a refrence number for them and also a link to some payments website. i am just wanting some advice on how to deal with these people? i have never recieved a letter from these people. thanks in advance, sorry if i have posted this in the wrong section.

Good Evening one and all. I have to start off from the top. A few days ago in a huge moment of what I can only describe as a mindless act, I stole from my workplace. Or at least I attempted to. I was promptly caught and asked to come back in. This is the biggest single regret of my entire life. I had worked for the company for nearly 4 years and to decide to throw it all away for this is unfathomable. Today i was invited to a investigation, which lasted for about an hour. After this was completed I was then informed after admitting my guilt, and offering no reason as to why I did it. I was informed I will be invited back for a disciplinary hearing - which I am 99% sure will lead to me losing my job, this I have come to accept. However, my question is not about losing my job, it is about what to do next. I have written an immediate resignation which i intend to deliver to the store, this would be against the 4 week notice period so I would lose that right for pay and my holiday accrued. I am under the impression though that the 20+ days I have already worked since the last payroll cut off and also the paid suspension will be honored and I should receive them. I understand as well my employer has the right to deny my notice, and carry on with the investigation in my absence, this may result in dismissal and then the notice period / holiday pay is ok again? The last bit of my query is I am fully aware this will affect my references in the future - I will not give the name of the manager or hr department for example when giving referees. I partially understand that if asked in the future, if they decided to dismiss under proceedings of the disciplinary when asked for a reference they can put "resigned under investigation" or words to that effect? Please could anyone at all shed any light on this? Thank you in advance.

Hi, Ok please bear with me , new here and in a bit of a state. Hubby had SD delivered by hand tonight. Two debts detailed phone 38 odd credit card 3700 ish I spoke to people at door how refused to give names or where from ( darklate at night) hubby went and they handed him SD I called BW legal on hubbys behalf ( he gave permission for me to speak tothem) and told them debt in dispute, had been for some time we don’t believe weowe it cca request made to other DCA none responded ( I didn’t chase them attime - no proof now as ages ago) said if we did owe then we would pay but stronglybelieved we didn’t owe it. They asked for telephone number I refused stating didn’t want hounding callsand wanted to deal with in writing. Told him wanted CCA , he said needed it in writing and pound fee He stated action would be stopped as debt in dispute Can some one tell me what to do know. How do I know action stopped? Or shoulda still do the setaside thing , what if they don’t allow it will they take thehouse? Is this debt SB, from when does the 6 years apply? We had letters from otherDCA but never responded apart from very close to the beginning when we askedfor CCA. Hope this makes sense, bit rattled at moment as we have 4 little ones and iam worried we might lose our home which is mortgaged with equity . We both ownhome in both names , debt only in hubbys name. Can someone please help me to follow the correct process, as Im worried Ive made it worse by talking to them, not named person on SD as she was not there . thank you , I have tried reading threads but I think where Im a bit upsetjust getting more confused thank you in advance. Sorry so many questions

Hello everyone on CAG . I`m looking forward to reading/learning lots from everyone here Peace out

got six payday loans payday uk 250 minicredit 400 speed credit 500 speedy loans 375 lending stream 800 quid.co 300 obviously my own downfall and now cant no way ever make the repayments so I've gone with a fee paying debt management company (i know they take their cut) and paying just £200 pounds a month (this has been agreed) it will be interesting to see how much interest minicredit and speed credit "add" before the debt plan starts up, i know i could have done it myself but do not have the time or patience to wait it out and i know hardly anything will be paid off the debt, or very little anyways but this is the path i chose in going with a debt management company and anyway hopefully in about 4 months i should have enough to pay it all off

i have received a letter from resolvecall saying i am due to have my business electricity disconnected - this is due to there being a high value bill outstanding. it is a pub i have the lease to but it previously belonged to my ex partner who split from me over 3 years ago. sadly she took her own life just over 2 years ago and since then i have had trouble transferring the details to myself. the bill has just been building and building as i was advised by one of EDF's staff if i was to pay anything it would only go against the old outstanding bills and not credited to the new. ii have tried to arrange a repayment schedule for the period i have had the lease but they include the previous arrears and not just mine. i have done some homework on resolvecall and realised what they are about but i still cant get anywhere with EDF. can someone please advise what i can do. my supply also is connected to the private quarters and there is only only supply and one meter for the whole building. they wouldnt be able to fit a card meter with it being a business and should they disconnect it will leave me without work and homeless. I am a single full time parent with my 7 seven year old son living with me. I cant afford a solicitor. can anyone please advise me

Well here we go again ...been on ESA and now have a second form sent to fill in :/ ....can someone tell me have they changed the form since last year as it seems different :/ Are the discriptors the same or are there new ones for 2012-2013 ?

See here. The outcry would resonate for decades!

News as at 5th.July suggests it could be next week before all issues are resolved.There are many reports of failed direct debits and some being duplicated.

This was received today from Experian. ' With regards to =======, I would not disagree with the statement of their Customer Relations Officer. I don't believe that I claimed ======= were responsible for the entry appearing on your credit report or subsequently removing it. I removed the entry from your credit report by entering a "disassociation" at your new address between your name and DOB and the other name and DOB. This helps our database differentiate between the two individuals with similar names but different dates of birth. We already have disassociations in place between you and the other individual at your previous address, but we need to enter a new disassociation if you change address. This is particularly important if the other individual with similar details moves to the address with you, whether temporarily or permanent.' This was in response to an ongoing query as to how a family members credit data keeps appearing on another family members credit file. None of the data is good data and has caused a lot of distress financially, and destruction within the family. Does this sound like Experian are admitting that the fault lies with them?