Hi there, I've just spent the last half hour looking through the forum and while I've gained valuable information, I still need some things clearing up. I received a fine in May for £250 from hmrc. For one reason or another the fine didn't get paid & I received the further action notice. I had full intention of paying it but again, it went unpaid. Today, I had a letter put through the door from Marstons (yellow one) saying that it was a removal notice and I need to pay £550 in full otherwise they'll be another visit to remove my goods for sale at public auction. Seeing this drastic increase in charge prompted me to call the HMRC payment line & pay the £250 that I owe.... Providing the payment does not get refunded, what happens with the (£300) bailiff fees? Thanks in advance.

Hi all, A bit of a long post below so apologies! Please do bear with me! Basically, I think my employer might be trying to get out of giving me my full contractual notice entitlement, however I am not sure. The bottom line is, I think if am entitled to something, then they should be fair and pay it. I think I could be entitled to 2 months payment in lieu of notice rather than a week’s payment in lieu of notice based on the following: - My initial employment offer letter stated that my probation period was 3 months long and that the required notice in regard to termination of employment was 2 months, after the probation period expired. During the probation period the required notice was one week. (Please see picture LINK: http://tinyurl.com/termnotice-A ). - Page 12 of the principal terms and conditions of my employment dispute this ( please see LINK: http://tinyurl.com/termnotice-P12 ), saying that confirmation of employment from the HR director is necessary for the 2 months notice period to apply, but on page 2 of my principal terms and conditions it says the offer letter prevails in a dispute between the offer letter and the terms ( http://tinyurl.com/termnotice-P2 ). - My probation was extended to roughly 6 months ending on 5 July 2012. The letter at B below ( http://tinyurl.com/termnotice-B ) says that during this period (not after) notice period on employment termination remains at one week. - My employment was terminated on 11 July 2012, after the extended probation period had ended. I think it was due to be terminated on the 6 July 2012 but was delayed. Per the initial offer letter ( http://tinyurl.com/termnotice-A ) which states that after the initial probation period the applicable notice period is 2 months, I think the notice my employer should have given me, in regard to the termination of my contract would be 2 months, and that I should get 2 months notice pay, as my termination was after the extended probation period had ended. What do you think? Relevant document images are included as links below. It’s a long post thanks so much for reading and your time, any help is very much appreciated! Am pulling my hair out here! --------------------------------------------------------------------------------- Links / Appendices: A: Extract from my initial offer letter detailing notice periods. Employment began on 9-Jan 2012. LINK: http://tinyurl.com/termnotice-A B: Letter extending probation period to 5-July of this year. LINK: http://tinyurl.com/termnotice-B My employment was terminated on 11-July, after the probation period had ended. It was due to be terminated on the 6-July but was delayed. C: Please find below links to images of the terms and conditions of my employment. (The first linked page states that offer letter will prevail in the event there is a discrepancy between it and the terms and conditions). Further image links: LINK: http://tinyurl.com/termnotice-P2 LINK: http://tinyurl.com/termnotice-P3 LINK: http://tinyurl.com/termnotice-P4 LINK: http://tinyurl.com/termnotice-P5 LINK: http://tinyurl.com/termnotice-P6 LINK: http://tinyurl.com/termnotice-P7 LINK: http://tinyurl.com/termnotice-P8 LINK: http://tinyurl.com/termnotice-P9 LINK: http://tinyurl.com/termnotice-P10 T+C’s page 10 says notice only 2m after confirmation, however I would dispute this based on offer letter, which says notice changes without mentioning any confirmations required. T+C’s state offer letter prevails over T+C’s in a dispute. LINK: http://tinyurl.com/termnotice-P11 LINK: http://tinyurl.com/termnotice-P12 LINK: http://tinyurl.com/termnotice-P13

Hi all. As some might know, ive been having calls off capquest the last few weeks for a debt i have no knowledge of. I know i have to send the Prove it letter and i will be doing so. However, would me sending them the letter along with my name and address put me on some kind of list. Like with what happens when someone answers their "security questions" on the phone? I'm pretty up to date with DCA's and their tactics, i'd just like to know where i stand with the letter and this outfit. http://www.consumeractiongroup.co.uk/forum/showthread.php?358672-Capquest-fun(5-Viewing)-nbsp is the thread with the info.

I attended court in may where the judge granted HBOS a possesion order for my home as i have been unemployeed and unable to make payments. Infront of the judge the claimant from halifax stated the figures, which where £81.203.17. this was stamped and 56 days notice given. In the meantime i have agreed to sell the property for £87500.00, enough for estate agents fees etc, BUT when the solicitors dealing with the matter requested a final settlement fee, the halifax come back with £85672.40!!!!! as i have to pay an early redemption fee Its obvious that hbos assumed i wouldn sell when applying for the order, but i have and now they are stopping me from selling due to imposing this fee, as the £4000 fee was monies for moving costs. Any advice appreciated thanks guys

I live with my mum in a rented apartment and suffer from severe agoraphobia and anxiety. I can barely leave the house and when it's time for inspections i get terrible panic attacks that it takes me days to recover from. I've just heard that the owner wants to sell the apartment and wants to arrange viewings. Is there anyway i can stop the viewings from happening as i know its going to cause me a lot of distress to have strangers coming into my only safe place in the world and looking at my things.

Hi Guys Need your help to sort out if I can claim anything on PPI etc, not really up to scratch with internet jargon but I will do my best to give you the info I have and then you can point me in the right direction. I am nearly 60 years of age so be gentle and basic with your instructions. Quick overview of what I know. Got a mortgage loan off Halifax approx 1982, (I have the mortgage number) but dont really know if we were paying PPI or not, the only thing I know is I have a statement which shows me my monthly repayments plus a payment plus a repayment for insurance but dont know if this was house / life insurance. How will I find this out? We then moved to Britannia Builing Society approx 1990 and had five repayment / interest only loans all of which are now fully paid up (interest only one didnt realise it's potential and still cost me £4000 on completion) I have found a Payment Protection Schedule dated 1991 ( even though everything was completed in Feb this year and it is still coming out of my bank now) off Britannia and loads of other policies re life assurances etc. As far as we were concerned PPI was part and parcel of getting the loans but not apparently so. Where / what should I do now? So sorry this is so vague and I hope you can help as I have had these archived paperwork out loads of times and have not had the courage to persue but it has really riled me that they are STILL charging me PPI payments when everything has been paid off. Thanks in advence Trevor

I am currently subject to a DRO. Recently my lodger moved out and obviously I have not been getting any monies from him as he is no longer residing here. The official receiver is aware that he was living here and are also aware of what he paid for his contribution to rent etc. As a result of the above the council has recalculated my benefit and has said they will be sending me a refund for the additional amount that I have paid whilst they have been sorting out my benefit. My question is do I have to inform the receiver of this refund or not? As it is a refund to compensate me for money that I have had to pay over and above my normal outlay and there has been no adjustment for the loss of his contribution I am unsure.

Hi all. I am a novice to all this debt and just require some advice. I have received a letter from Bryan Carter Solicitors; RE: Arrow Global Guernsey Limited. For an outstanding Balance of £679.07 The letter states; "This matter may be referred for court proceedings to be issued in 10 days if payment is not received at our office by that date." Previous to this I received a couple of letters from Fredrickson International Limited; Re Brand/Product: Capital One. Our client: Arrow Global Guernsey Limited. Balance £679.07 I ignored the Fredrickson letters as at first they wanted me to contact them to verify if I was the correct person. So as far as I was concerned they were phishing. I did have a debt with Capital One which I last paid towards in about mid 2005. I then stopped paying as I was advised to and started proceedings to enter an IVA. The IVA was entered in February of 2006. By end of February 2006 I was made redundant and did not find work till May 2006. I missed one payment on the IVA in that time. I requested that the amount I was paying the IVA be reviewed due to my far lower pay scale but unfortunately this didn't happen. I struggled with the payments but unfortunately and ultimately the IVA failed in the January of 2008. I have not heard anything from any one I had debts with since I entered the IVA until now. So one question I have is, As the final payment to the debt with Capital One was in 2005 does this make the debt Statue Barred or does the fact I was paying into the IVA mean it is not? What steps should I take next? Thanks in advance. Andy