Hi please can I get some help Faulty steam shower - retailer refuses to honour 5 year warranty In May 2012, I bought a steam shower, as it had a 5 year warranty from Heat and Plumb London, (they still sell these), there are several faults which have now made the shower unsafe if not impossible to use, I wrote to them last week after speaking to which legal (they give you advice but are now very busy) they said the shower was covered under the Sale of good act 1979, so I wrote to the retailer asking for the repair or replacement as it should have lasted more than 2 years.........they have come back and state the original supplier to them is now bankrupt and they can send me parts if I remove the old ones and send them the details of them and will have to charge me, I am not happy as the shower is not working and we have no resolution, I sent this email below and have still not heard anything from the retailer at all now since last week when they stated the supplier is bankrupt, so no warranty - I need to have a new shower installed this weekend as this is no good, and cost me £800 in 2012, I am having to pay another 500 for the new shower cubicle, now! I sent this last week! Dear Sir Sale of goods Act 1979 - defective shower unit - request for replacement and/or repair at suppliers cost. I have now taken legal advice in this matter, I can confirm that my contract for the purchase of the above shower unit which cost approx. £800 is with Purity Bathrooms T/A HEAT AND PLUMB, after considering the matter closely and due to the nature and cost of the appliance/shower unit, I can confirm that the durability and Quality of the product is not of satisfactory quality and failed to be fit for purpose. Sale of Goods Act 1979 Under the Sale of Goods Act 1979 goods must be as described, of satisfactory quality and fit for purpose. I can confirm that the shower Unit is not fit for purpose as this should have lasted longer than 18 months, moreover the shower steam unit has failed and so has the thermostatic selector for the shower, in addition the build quality is of a inferior design, which has caused these failures, I must also inform you that the reason for buying the shower at such a high cost was due to the 5 year, warranty which you supplied as part of the sale. The contract remains with Heat and Plumb, therefore I now wish to replace the Unit as there is no guarantee for this item and the terms of the contract has been broken by your Company, accordingly any product you now supply (replace) must be of a suitable quality, under the terms of the Sale of Goods Act 1979 and must be as described, and of satisfactory quality and ad fit for purpose, unless you are prepared to supply me with a shower unit which you can now guarantee to be as stated, then I will expect a full refund by return. I await your written response by return and give you no more than 7 working days to conclude this matter and either send me a satisfactory and fit for purpose shower unit which will last longer than the warranty, or send me a full refund, failing which I will have no other option but to issue a County Court claim for damages and loss, which will include legal costs and costs for time to issue proceedings. Please send your response in writing only so there is a record of this issue and I look forward to resolving this matter as soon as possible. Kind regards

Hi could anyone help please. I have won a CCJ against the BOS. I applied for a money provisions order to register this in Scotland, the CCMCC have cocked this up and just sent a normal Judgement to me but took my £50 for the Form 111 anyway. This is being sorted today so I should have the money provisions Cert on the way. My question is; do I really need to transfer this to Scotland if the BOS have branches in England, in fact do they have branches in England? Google'ing this is unclear as they seem to be connected to other Banks in England? If so then fair enough, but I wondered. Many thanks in anticipation.

I recently completed claim forms re a debt being administered by Restons Solicitors for £770. I am in the process of setting up a new DMP with Stepchange and working off the budget figures and our other creditors, I made an offer of £5 per month. I received a judgment for claimant today saying the claimants have objected to the rate of payment and the court have awarded them £25 per month. I dont understand how they cant understand this is not possible for us atm. We did provide the budget sheet for Restons to show the £5 offer was all we could afford. What can I do now? Can I go direct to the courts to ask for a redetermination or is there another option. Any advice would be gratefully received. Thank you

This judgment might be useful where there is a shortfall after a repo'd property has been sold. In this case the lender took the ex-owner to court for it. It wasn't allowed as they'd already got a judgment for the money. It may have been over 6 years old, but the lender was refused judgment as it was an abuse of process due to the money judgment when the property was repossessed. Whilst County Courts Judgments do not set precedents, used properly it could be classed as persuasive. [ATTACH=CONFIG]57724[/ATTACH]

Hi, I'm looking for advice/comments etc please I was made bankrupt 3 years ago and within that bankruptcy was a loan to a building society. Recently a letter dropped through letter box stating that my wife owed the money and that it was going to court in northampton. Immediately applied on their online service to state that she would be disputing the debt and wrote to them with a request for the original documents to be provided, which they seemingly ignored, the next correspondence was a judgement made against her saying that she was liable for the debt. Have applied to the court (hearing this Thursday 14th) for judgement to be set aside. We genuinely cant recall whether it was a joint loan, or just taken out by me, and wife says that if proven that she will arrange to repay, but as we are not sure, we have taken this course of action. What prospects do you think that we have?

Hello all, I recently received several letters from Rossendales Collect regarding a debt with Arrow Global. Firstly I honestly don't know what its for but being that its so old I just sent back the Statute Barred letter and stated that I did not recognise any debt anyway. I then received a letter stating:- We have liaised with our client which have confirmed you had a judgment placed on the account by ***** on 09/09/2009, Case Number xxxxxx therefore cannot be considered statute barred. I know nothing about this judgement, is there any way I can confirm that it exists? I know there is a lot of dispute about judgements being statute barred after 6 years and every thread on the subject I've found falls into debate and offers little advice for further action. Any ideas where I should go from here? Thanks everyone, I love this site its been very helpful over the years.

Hi, I wonder if someone can advise me please. I was issued a Claimform on 13/1 . On 29/1 I filed the acknowledgement of service and I filed my defence on 12/2. I got a letter from the court telling me my defence would be served on MKDP and they have 28 days to respond or the claim becomes stayed. I've heard nothing from the court since and I want to know if the 28 days are working days or calender days? In the meantime I wrote to MKDP and asked them for copies of the signed credit agreement, statements, notice of default, notice of assignment of the debt. They replied saying it could take 8 weeks and sent me a default notice with all personal details blacked out, it could have been sent to anyone! Thanks

Hi Ladies and Gents. I have an old Lloyds bank debt going back to 2008/9. They went to court and got a Judgement and then an Attachment over my house registered with HM Land Registry. However, Lloyds and their solicitors have written to me to say they have sold the debt company. This got me thinking that the Judgement and Attachment are therefore void. Reason being if I paid Lloyds to get a 'Certificate of Satisfaction' to show debt was paid they would be committing fraud as they no longer own the debt. Also, I am not sure whether a Judgement can be sold to a debt company. Can anyone shed some light on my thoughts please. Thanks. Urban

Hi I wonder if any one could help I have a credit card with the 'AA', my husband signed up for it at the Dover port, he was going to france for a day trip, this was in May 2004, can I send a CCA request and how has other people been succesful or not. The credit card is owned by BANK OF SCOTLAND GILL5BLUE

Hi all, having a problem with an alleged debt to santander. My ex wife and i had a joint account which was signed to me after divorce. There was a balance remaining on the account of 1500 which i am positive was paid. We divorced in 2007 and i have heard nothing until a judgement for claimant ( hoist portfolio ) was received today 20/03/2015. What are my options in dealing with tbis, bearing in mind i am retired with no income except state pension ? many thanks Mike

I've recently had Court papers sent to me because I made a mistake. I lit a bonfire and didn't make sure it was out before I went to bed. As a consequence, the fire caught again and damaged my neighbours garage. I offered to pay for the damage but my neighbour refused my offer and is now taking me to court. My reason for not paying the claim is that he has repaired the damage but has also used the opportunity to improve the structure e.g a metal roof replacing a plastic roof. His claim is through a solicitor and I have defended it as agreeing to part of the claim but not the full amount. I got some documents from the court asking me about mediation. I sent them back 2 days ago saying I would agree to mediation. Today I got a letter from his solicitor saying they will be applying for summary judgement. I have no idea what they mean. I was quite comfortable with mediation because I know that is just a discussion to reach agreement but what is summary judgement?

I have received a letter today Dated the 10th of march. Claiming that I have "failed to make repayments as ordered by county court judgement" and stating that i am now " in arrears with the order in the sum of £***.**" I have been given instructions to make payment immediately to bring the CCJ order up to date and prevent further enforcement action being taken against me. they have given me this web URL www dot bryancartersolicitors dot co dot uk and this phone number 08458396157 Apparently their client has instructed for them to take further enforcement action if i do not pay the arrears or contact them within 7 days . They have then listed what this enforcement action may include; Warrant of control, Attachment of earnings, Charging Order, Order to Attend court for questioning. Their client is apparently Lowell financial limited The brand/ product is Vodafone I can provide the account number if needed and the claim number also. They have also given me a reference number. Any advice would be greatly appreciated as I'm very naive with this sort of thing and want to get as clued up as possible before throwing the book back at them so to speak. What should be my first actions and who should I contact as this is the first I have heard that i owe anybody any money and have read some reviews on these people and none of it has been good? Thank you in advance. Al

I had action taken against me by a bank for mortgage arrears and they took me to court and obtained a money judgement on a sum of money. They won and were given a Possession Order and MJ on the outstanding balance of the mortgage.. Included in that figure were a lot of legal costs many of which I do not feel I owe. Rather than be evicted I sold up and had to pay the whole lot so the Possession Order was never effectively enforced. However, the pressure they put upon us was very traumatising and that in itself forced us into selling our home of 15 yrs. My Question please: If I prove these legal costs were added to my mortgage wrongly as I assert does that make the money judgement incorrect and what are the consequences of a lender getting the money Judgement wrong, ie..what are my remedies? This involves a lot of money as I fought them so I am not talking pennies here, but they have manipulated the figures and just dumped them on my mortgage balance without advising me, I have obtained a breakdown of them and they were clearly wrong. I am not wanting to either go back into court or use solicitors as I trust no one after what we went through and as this is a self help forum wondered if anyone could advise me on how a)I can tackle this, b) what legally is the position with a wrongly stated money judgement after the property has been sold and the relevance of the court repossession order now dead in the water? Thanks Spot

Few months back I received a claim from Lowell for £270.00 (for owing money to 3, which I am sure is not more than £ 50.00) to which I submitted a defence to the Court and a hearing date was set. Unfortunately for me, I completely forgot about it today I received a Court Judgement saying that my defence was struck out after the Judge has read a letter from the claimant (must have been quite a letter) and I have to pay Lowell £ 300.00. My question is: Can I appeal to this judgement, and if yes how? And also, isn't the claimant supposed to send me evidence to prove that I owe that money. I wrote many times to lowell to send me some evidence on how and from where I owe this money, never received a reply. This was actually my defence that I never received anything from Lowell. I would appreciate it if someone could give me some advise what to do. I have until the 06 March 2015 to pay the money. And I am supposed to get some acknowledgement from them when I pay the money, which will be a nightmare. I am sick of this Lowell people and even if I do have to pay I want to make it for them as hard as possible to get the money. Thanks very much in advance for any help

Hi All In July 2007 During my time at HBOS I became severely ill with encephalitis (similar to meningitis) which left me disabled and stuttered and completely inaudible amongst other symptoms. As a result In 2008 I was let go by HBOS after 8 months of SSP - due to my long term sickness. Unsecured loan 1 - From HBOS - £5000 (New Car) 2007 unsecured loan from HBOS - last payment must have been Late 2007 early 2008. I applied under my PPI insurance during the first few months of my illness and I believed that was that. as I dont remember much of the following 2 years as I fell into a coma and began battling for recovery. So Now Joy of Joys - I have a default CCJ on my credit file for £4001 as of 2013 - I have just recieved yesterday an annual statement from 1st Credit detailing financial Transactions over the past year so i believe they where the claimant. Must have bought the debt. So I am going to apply to have the CCJ set aside and wanted some pointers/tweeks/amendments on my reasons/evidence.. Should I acknowledge the debt?? Should I chase the Payment Protection Insurance Claim I made in 2007 with Halifax? I missed the Hearing for the judgement as I did not recieve any correspondance from the courts hence I was unable to file a defence or attend a hearing. I have only just become aware of the judgement as it was highlighted by a prospective employer. Ok guys that is Debt 1 - your assistance is kindly requested Thank you everyone.. Oh wait Did I even post this in the right section???? Coz like I'm'a such'a CLEVER!!!! Help please Modz SAVE ME from my cleverness

Hi all, My wife had a claim from Restons on behalf of Cabot for an alleged outstanding debt. We decided to defend and entered her defence on the 09/02/14. Unfortunately I was completing the defence form online and signed it in my name as an authorised person - me thinking she needed to authorise me not the court - school boy error. The defence was rejected and we are now out of time. As yet no judgement has taken place. We had sent the CPR31.14 request, which Restons did not comply with, and this was the basis of our defence as we had no paper work to suggest that the claimant claims were legitimate and was asking for either additional time for Restons to supply the requested information or for the claim to be stayed. Does this error really allow the court to dismiss our defence no matter how relevant or can we do anything to re-instate the defence lawfully or get any pending judgement set aside so that our defence can be entered correctly? Any and all advice will be much appreciated. Thanks.

Hi, Is there a way to tell if an employment tribunal judgement has been made in default? I took my ex-employer to the ET, and, long story short, got a judgement for unlawful deduction of wages success. I was not requested to attend court, and heard nothing more on the subject for a while until I received the judgement in the post. It just says "JUDGMENT, The claim for unlawful deduction of wages succeeds and the respondent is ordered to pay forthwith, the sum of £xxxx.xx to the claimant. After the fourteen day of "interest free" deadline had, passed. I chased up the respondent for payment, who then claimed to be unaware of it. He subsequently wrote to the judge asking for the judgement to be revoked so he may submit a defence, claiming his registered office had moved address since the beginning of the ET procedure and he did not receive the court papers (response pack etc.) as issued by the court. The judges reply was essentially no, as the correct procedures had been followed in serving the documents. However, the respondent has since informed me that he is applying for the judgement to be set aside. Investigating through the likelihood the judgement will be setaside, it seems that not receiving the documents alone, is not sufficient reason, unless the judgement was made by default due to this. (he had not updated his registered office with the court nor companies house, and only moved address once the et process had begun) A) what is the likelihood of the judgement being set aside? B) How can one tell if the judgement has been made by default? Cheers

A 'default judgement' was made against me after I had disputed a supplier's invoice at work. The supplier took his anger out on me when I would not authorise payment and wrongly named me as a 2nd Defendant in his online Money Claim. This became a huge problem for me because he had used a 4 year old address of mine in his claim. I received no papers and had no opportunity to defend the claim. Judgement was made 'in default'. I became aware of the judgement through 'checkmyfile.com' 3 weeks after the CCJ was ordered on 4 April 2014. I applied to have the judgement 'set aside' and sent a cheque for £80 to pay the fee. One month later and after numerous calls to the Salford court admin centre, I finally found out why nothing had happened. The fee had risen from £80 to £155 whilst my application was waiting to be dealt with. I paid the new fee by card and the hearing took place at Chester County Court on 8 July 2014. The Judge was great and not only had the judgement 'set aside' but made the Claimant state 'on the record' that no claim existed and, accordingly, he ordered that the judgement be 'struck out'. I asked when this would be updated on my credit report. The Judge answered that he had no idea as his Order would remove the judgement from the registry and they did not deal directly with the reference agencies. I immediately contacted the 3 main agencies with a letter and a copy of the 'set aside' order. Within 48 hours, both Experian and Callcredit replied and confirmed that they had already removed the judgement after receiving an updated register. However, Equifax continued to report the CCJ as 'live'. Checkmyfile.com promised that they would speak to Equifax on my behalf. I had to pay their subscription first. It's only £7.99 but I paid only for this purpose. I have received 6 replies over the last week from checkmyfile.com. The replies are all from different 'credit analysts' and all have different information and advice. None have helped in the slightest. I find it hard to believe that these are REAL, EXPERIENCED credit analysts as their understanding is very limited and, in most cases, their advice plain wrong. I have been told that 'Equifax need a 'Certificate of Satisfaction' from Northampton' and 'Equifax won't accept the 'General Form or Judgement or Order' and need a stamped 'certificate''. I have explained that the Order that Chester Court sent to me IS stamped and sets out exactly what the Judge said in court on 8 July 2014. The judgement is set aside and the claim itself is struck out. The claim NO LONGER EXISTS as it has been struck out and deleted. Therefore, how can I 'satisfy' something that does not exist? And why would I want to acknowledge that there IS a claim by asking for a Certificate of Satisfaction? I need to know why Equifax have not removed the judgement from my file just as the other credit reference agencies did when they received notification of the court Order to 'set aside'? I need to get this judgement removed quickly as I will not pass a landlord's reference check otherwise. Please can anybody advise me as to the best way to approach this problem? I should be most grateful for your direction on this matter. Finally, am I alone in thinking that 'default judgement's' are ordered far too quickly. Anybody can make a claim and if they knowingly use an old address, it is 99% likely that a judgement will be made 'in default'. The Judge at my hearing was angry with the Claimant and actually said that his actions were 'reckless' but nothing else happened. I have had to spend £155 for the application fee and I have wasted days and it's STILL not sorted out. Surely the system needs amending here?

Bus companies are not required by law to force parents with buggies to make way for wheelchair users in designated bays on vehicles, senior judges ruled. Read More Here: http://www.bbc.co.uk/news/uk-england-leeds-30376446

Hi there. Hoping someone can help! I recently won a small claim against an individual for money they owed me for freelance work they received a court order to pay me the full amount. They then filled in an application to vary, I refused their offer on the grounds that they were lying about their income, and it went back to court. The defendant didn't turn up, and I've now received a "General Form of Judgement or Order" saying the following: "IT IS ORDERED THAT The Defendant's application to vary be struck out." I thought the defendant was going to attempt to argue that they could only afford to pay a small amount per month, this week the attendant also received an "Order to attend court for questioning" from me, which is now scheduled for next month. My question is what should I do now? Should I just go through with the order to attend court for questioning, or is that not necessary now that the order to vary has been struck out? I'm pretty sure the defendant won't pay me by themselves since they've been quite belligerent throughout the whole process despite admitting they owe the money and having no proof to the contrary. Thanks in advance

Hi there all, I'm new here so I hope I have posted in the correct forum. I have received a court letter - Northampton County Court. Claimant HSBC bank. It is for the amount £2,938.41. It was assigned to the claimant on the 8/12/2011. With court costs it amounts to £3013.41. I don't know what to do? Issue date was the 2nd of December 2013. I live in Wolverhampton and cannot travel all the way to Northampton, plus me being at work everyday. This chase for this money has been happening since 2007. I had a letter saying I had an overdraft of this amount. I have never had an overdraft of this amount. I asked them for proof, a credit agreement or anything saying I had it and they said there was no credit agreement and that the account was no longer open that it was closed? They also said that you don't need an agreement for an overdraft? I am puzzled! To me it seems a bank can just accuse someone from out of the blue of having money from them and take you to court? I have not heard from them for ages, then this has just now turned up out of the blue. First letter I had was from a Central Debt Rec in 2007. I asked them for proof that I had it as I have no memory of ever having that amount of overdraft in my lifetime. They sent a letter saying it had been passed back and would contact no more. Then I had a letter from a DG Solicitors also in 2007. Asked them the same. They passed it back. Had a letter from HL Legal in 2008. Asked them the same. They passed it back. Had a letter from Capquest Debt Rec. also in 2008. They passed it back. Had a letter from Scotcall also in 2008. They passed it back. Had another letter from a Lewis Debt Recovery also in 2008. They also passed it back. But it was the DG Solicitors that sent me information regarding the agreement. They told me that: "Section 78 of the CC Act 1974 does not apply to current accounts. That the current account is not a regulated agreement because it provides no credit. The overdraft agreement provides credit and sits separately from the current account agreement. Credit agreements normally have to comply with part v of the consumer credit act 1974. Part v covers the form and content of the agreements, signing of agreements and duty to supply copies of unexecuted and executed agreements. However, current account overdrafts are given specific exemption from all the part v formality requirements by section 74 (1) (b) of the act. This exemption applies only when the OFT grant a determination under section 74 (3) and this was given for overdrafts on 21st December 1989. The consequence of this is that there is no executed agreement for a current account overdraft andso section 78 (right to demand a copy of the executed agreement) does not apply. In respect of your request for a copy of the original signed agreement for account number ********** , we confirm that it is not been possible to locate these agreements. However there is more than sufficiant evidence of your entry into an agreement with the bank and the variation to the terms and conditions of that agreement over the years. We would also point out to you that you have been informed that the account is closed. Although there is a debt owed by you there is however no longer a live agreement with the bank and the variation to the terms and conditions of that agreement over the years." That was sent to me dated on letter - 28.08.2007 I have not heard anything since until now. Would be grateful to hear some advice. Thank you, John.

Hi Everyone, I am in the process of applying for a mortgage and quite rightfully the lovely lady at the brokerage advised my to check my credit report on line via a major name in the credit report game.. .either Equifax, Experian or Call Credit to name a few. What a shock I had....I discovered a CCJ planted against my name that: No 1: Does Not Belong To Me No 2: The CCJ is issued to an address that I have never lived at No 3: It is issued to somebody with the same name as me I quickly got to the bottom of where it came from and have had a face to face meeting with the utility company involved. They had the ordasity to ask me for money to get it removed although they admit it is nothing to do with me, their mistake!...they finally agreed to cover the cost of the court paperwork themselves. I have given them seven days to have it removed or face legal consequences as it is hampering my attemt to get a mortgage on a property I want to buy. I really dont have the energy for persuing a legal claim but I was wondering if anybody else has ever been in a similar situation and If I am to sue what would the likely outcome be? I really want this property I have my eyes on and the only thing hampering the process is the CCJ which is nothing to do with me. Once I have waited for the court to remove the CCJ it will probably be around 6 weeks bufore the CCJ is removed form my file.. ......far to long.....the property will be gone. Any advise? Thanks everyone.

I submitted a MCOL to recover my deposit from a Used Car Dealer who refused to refund it, after I found out they lied to me about numerous things regarding the vehicle's condition. My particulars essentially state that when paying the deposit to the dealer prior to the car purchase, the verbal agreement was on the basis that: 1) They did not lie about the car. 2) The car would pass a vehicle inspection. I since found out that they breached (1) and hence the agreement. Before even filing the claim, the dealer actually offered to give me half of my deposit back to begin with, which I happily accepted. A few hours later that same day, they called me to say they changed their mind i.e. deciding to keep the whole deposit, because they now felt that my decision to cancel the car purchase was a "change of heart" decision, furthermore they spent my deposit money preparing the car for me (even though the salesman told me the car was ready to drive away the day I came to see it). When I challenged them to provide me proof of their expenditure, they outright admitted it was "done by a friend" they didn't have any receipts/invoices. It was at this point when I decided to submit a claim via MCOL as they made their position clear and that their decision was final. About a week after they were served, they called me up and we agreed for them to pay me 2/3 of my deposit back, as long as I cancelled the claim first. There was no way I would trust them after going back on their word last time, I said that I will only cancel the claim after the payment has cleared, I also asked them to provide their agreement in writing, which they did. We came to written agreement, and they said they were able to pay me the same day. I monitored my online account, waiting for this to happen, poised to cancel the claim as soon as I saw the money appear. The money never arrived, despite numerous chasers and calls, they kept making promises to pay "later today"/tomorrow, then afterwards kept made excuses for not paying. Yesterday I gave them the final deadline: Pay the agreed amount that day and/or call me to confirm it has happened, or the agreement is off and I will proceed with the claim. They acknowledged my position (I also have a recording of this phone conversation) and promised to call me back by the end of the day regardless of the outcome. Once again, no call nor payment was received. From my perspective it felt that they were just messing me about, and I was out of patience. It just so happened that the defendant had until yesterday to reply to the claim issue, according to the letter the court sent me. I waited until this morning, and submitted a request for Judgement. Upon checking later in the day I noticed that the defendant filed a defence shortly afterwards (the same day!), despite their deadline being yesterday. In the MCOL transaction history it says: In the Judgement panel it says "Requested", and the Claim Status now shows as "Defence". Surely they were too late? I spoke with the defendant a short while afterwards, they made more excuses, and gave me "his word" that they were still happy to pay the 2/3 of my deposit back, assuming I can get the claim cancelled with the court. I'm going to call the MCOL helpline tomorrow, I'm just wondering: Where do I stand? A bar is in place for this claim, despite them filing a defence too late according to the deadline. They are still offering to pay back 2/3 of my deposit.. . does this count as admission to some degree? In the event that they are still just wasting my time with this "offer", is there a chance that the bar will be lifted and their defence be discarded? Does the fact that they filed a defence mean it is now out of both mine and the defendant's hands? Any help/advice would be much appreciated. H

A big bank took CCA to recover a debt and applied for summary judgement but lost on the ground that a signed agreement was not available. The question is how long the bank has to issue a full proceedings before it runs out of statutory time limit. There must be a time limit in the law for them to issue a full proceedings after which they cannot take a court action.

Hello, I have failed to pay my CT this year again due to lack of funds. They have got a court judgement against me for the full amount. But, it doesn't include my 25% single persons discount. They are saying I haven't notified them that I live alone.... So, if I filled in the "Single Persons" form, or whatever it is, it would surely get me a 25% discount from today up until 31/3/2015. What do I do as they have already got a judgement for the full amount? Any advice? Thanks reallyinthecrap