Hi I have a question. I had a possession warrant which was due to be executed lat October. I managed to pay the arrears in full in Decemeber after having the warrant suspended etc. I have fallen behind again and have been contacted by my mortgage company to say that they are going to apply for a new possession warrant. I thought as I had paid the arrears in full they couldn't do that and would have to start a new claim. They replied to this question by saying it stays on file for 6 years, is this correct.? Any help or advice regarding this is appreciated X

I made a CCA request to Barclaycard but the information I received was just some terms and conditions. I took some advice and made a Subject Access Request http://i1019.photobucket.com/albums/af319/Ukmark319/BarclaycardSARrequest.jpg I got a reply today under this request and all I got was a forwarding letter (Below) and a bunch of statements going back to 2003. http://i1019.photobucket.com/albums/af319/Ukmark319/barclaycardSARreply.jpg so there is no signed agreement or anything that resembles one just pages of statements. What should I do now Many thx Mark

Hi, I was pretty surprised to get a CCJ in the post earlier this week. I can post details later, but just wondering if there's anyone on here that can offer any guidance on how to deal. What I understand thus far, is that my only option seems to be to try and defend this. I've never heard of the claimant, I've never had any correspondence from them, which as I understand it, could form part or all of my defence. They've listed interest owing, I am not sure they can do this? It's from a cahoot loan, from around 2002ish, one of the flexible loan types. Santander took over cahoot. I believe I last made a payment in early 2011, and know it's been passed around a fair bit. In fact there is also a DCA unrelated to the claimant as far as I can tell, that wishes to speak to me about this. My feelings are that the claimant may have jumped the gun a little bit and gone for the CCJ, prior to contacting me about this. I need a bit of hand holding through this. I also don't have 9k to pay them off.

I have today (30th January) received the letter below from Parking Eye dated 15 January 2015. I did not receive the original PCN letter it refers to. I changed address shortly before the "Date of Event: 06 December 2014". There was a delay with the DVLA updating my details and my mail re-direction service failed so I assume the original PCN is one of the items Royal Mail mis-delivered. The letter says: "The 29 days have now passed and the amount now payable is £85.00, this payment is required within 14 days to avoid further action." As this letter was redirected and delayed, it is now 14 already over days after it was sent. Please would someone advise me how to proceed? Is it best to just pay the fine now? If there is any way I can still appeal/complain, here's an overview. The I understand the car park at the retail park allows 45 minutes parking free of charge, after which time you must purchase a ticket. On the day in question I spent more than £40 in one of the stores at the retail park (I have the receipt). I then briefly visited other stores at the park but did not purchase anything. I am not sure how much time over the 45 minutes I stayed but I don't believe it would have been very long. The driver and the registered keeper are the same person. Thanks in advance for any help.

Good morning all, Been a wee while since i've visited the forum, used to visit regular and help out on the payday loan section. Having a little bit of trouble with civil enforcement and they are now taking me me to court. To cut a long story short I went away to Whitby for the day and parked in a CO-OP car park, I paid the fee but failed to put in my reg correctly. I have been arguing with them for the past two years and they have refused to provide a list of the invalid reg no's for around that time, therefore there is no way do I feel I should have to pay. I have now received a court date following failed mediation where I offered them £2 to cover any admin. The court date is early January. I have received their witness statement, so would be grateful if there is anyone out there who will take a look and help me write a defence. Many thanks Dan

My father has passed away and in his will requested a cost effective paupers funeral with no minister, eulogy or any ceremony. He was on Pension Credit does not own any fixed property as such, just normal household furnishings. However we found about £12000 savings. We are ourselves on Pension credit and have very little savings. I am also disabled otherwise we would consider a DIY funeral where we transport the body in a shroud to the crematorium. Funeral directors want over £1000 to perform this simple task. If we are unable to do a cost effective paupers funeral then all his assets are to go to the RAF Association and this places us in a difficult situation as it seems we cannot do a paupers funeral due to the amount of huis savings. Basically it seems our chances of inheriting anything are now minimal. Up to date we have had a few costs regarding his stay in hospitals and care homes over the past 5 months plus purchasing items to make his last days as confortable as possible. We are also concerned whether probate is required as this will be an additional expense. Can any oen please advsie regarding the funeral and probate?

Hi all, I'm new to posting on this forum so please be gentle with me if all this has been done before. I've spent the last few days reading various threads on this issue but my head's now spinning!! Any help, advise or pointing in the right direction would be greatly appreciated. Back in October 2009 when I was in a financial black hole, I foolishly sold an MBNA CC Debt to Credit Card Killer/Momentum Networks. (That's a story in itself) Since then I've had the expected phone calls, letters, defaults, assignments to DCA which have been on-going, most of which I have ignored. Last Thursday 16th Oct I received a Count Court Claim from Aktiv Kapital for the outstanding balance. Over the weekend I sent the AOS stating I intend to defend the claim. Is it a futile exercise to use "I've sold my debt" as a defence? All reply's will be thankfully received.

apparently after claiming wtc and being awarded it for 2012-13 was earning 7.00 ph on a 32 hour week hmrc claim that i earned £24k in this tax year, though for life of me cant figure that one out now had to finish work and told overpayment is 1200 pounds letter arrived today saturday [gotta admire their timing arriving on a weekend] rang them and they say they require me to pay at least 50 per cent of any disposable income per month which after answering questions on expenditure and income comes out at 14 quid a month can they insist on this amount

I'm not really sure where I stand with this and really could do with some advice having read some of the many posts on advantage fifinance nothing is precisely like my situation. I took out finance with Advantage in July. A week later with the car I received a welcome call and confirmed with the advisor that I wished to have the 2nd of every month as my billing date. This was never put in place. When the next payment defaulted as there was no funds in my account on 16th July Advantage were quite hasty in texting me saying the vehicle May be repossessed. I contacted them to make a payment and then requested the billing date changed to the second of every month again, they had no recollection of the initial request ever being made. During this time I hastily had to move from my address due to falling out with aggressive situation there. I had updated the v5 but in all honesty didn't think on the finance company. I had to move to a privately rented accommodation and incurred bond and first rent payments which made finances tight. Consequently I had missed September and October's payments. While working away I had an email from their accounts manager stating I needed to contact urgently. I emailed back directly stating I was currently away with work but could I be emailed the outstanding arrears to resolve my account. Then had an email back the following day saying thank you for your email and a number. I was at the time unable to call. The following day from that I was at my work address when security came and said there was a gentleman outside to speak to me, a rare occurrence, this turned out to be a repo man collecting the car on behalf of advantage. I declined to speak to him at work, 1 not knowing who he was and because I hadn't heard from advantage. The repo man had barricaded my car in and was refusing to leave, when speaking to him again I said I was finishing work shortly and would be open to meeting him at home following conversation with Advantage. He handed me a phone with someone from advantage on the other end who informed me my account had be terminated and the car would be repossessed there and then. I remained on the phone to advantage for nearly an hour explaining my recent situation and email and he advised that nothing could be done the account was terminated and the car was being repossessed. Now I have to be honest, following this exchange relented, i was driven by the repo man in my car to where I was able to empty the vehicle and following an issue of a receipt which I didn't accept the vehicle was taken. I still have a key and the v5 document and there is a possession still in the vehicle of my partners. I ring advantage feeling I had been compliant only to be told the same thing that the vehicle will not be returned and I will shortly receive a bill for outstanding credit. That's the outlay of my situation, wanted to post it up for any advice. Sorry if my description is a bit unstructured, I just needed to get it out. Is there anything I can do?

I have used other's student oyster card in June and now got a second letter from TFL saying that will take me to Magistrates' court in about 10 days. There was a letter in July which asked for explanation and I replied and asked for settle out of court but it seemed not to be used at all. I have 3 actions to take: 1) plead guity and not to court 2) go to court 3) plead not guilty and reset new dates. What should I choose? If I choose 3), what will be the new date? Is it possible to be after Feb next year? and will it make things worse? I mainly worry that it will affect my visa application next Feb. I can apply for IFR normally. But if I get criminal record, I don't think I can apply IFR Can I apply for extending my current tier 1 general visa in such case? Really appreciate anyone's help!

Hi. Just need some information regarding hire or rental purchase, is there a difference ?? Reason I ask is, 10 month ago I got a computer on hire purchase from Perfect Homes, I went here because the cost compared to brighthouse was almost half and a better spec and also was only £20 more expensive than the well known computer shops. Don't get me wrong, I was and I am happy with my purchase but unfortunately I have hit some serious financial difficulty and costs have got to be cut in my household, I am cancelling my ties with virgin media so internet will have to go, my mobile phone has gone and also the car, I rang the store to explain that there is no way that I can now afford the payments and is there a possibility you can collect and take it back, they said no because I didn't take any insurance out with then. When I made the purchase we had our own home insurance so declined there's as this would have cost a extra £4 a week (maybe a little more) but apparently this also covers you incase you want to return the item with no adverse affect, don't get me wrong even if I knew this I wouldn't have took it out anyway and I am not sure if it was mentioned in the purchase procedure. Any way, back to my point. I want them to come and get it back as its a hire agreement, do I have any rights or am I stuck with trying to find the money every month for something I no longer want to hire.

Good morning all, First post so apologies if its a bit of a ramble, I received today a claim form from Northampton County Court, claimant MCE (Marlin) in respect of an debt with HSBC. It mentions a bank account facility and they are claiming over £10K. I got myself into debt in the mid 2000's trying to support my business with credit card and overdrafts and it all went horribly wrong. The weird thing is, this debt is actually 2 debts. One for the current acc and one for a credit card. I was harassed by Marlin in 2007, 2008 and 2009 and as I lived with my parents, they were getting most of the calls to their home number and the rest to my mobile. I know I shouldn't have but I paid monies to Marlin in 2009 but then received some debt advice and was advised to write to Marlin as it was felt that they did not officially own the debt. I made a CCA request but it was returned and refused as they said it related to a Bank account and was not covered by CCA. I wrote to HSBC and asked them to clarify the situation (no response) so I wrote back to Marlin and made another CCA request and never heard anything more. I got a letter from Mortimer Clarke a couple of weeks ago saying I owed them £10K and had to contact them as soon as possible and today I got the Claim for from the court. Can someone confirm my position regarding the CCA request, can Marlin combine 2 debts, a bank account and a credit card and then add on £4K worth of interest?? Do I have grounds to defend the case in respect of this? I am scraping by on less than minimum wage at present as I became a full time carer to my father in 2009 and since he passed in 2013, have struggled to get back into work. Thanks in advance for any advice offered.

Hey folks, need a favour Does anyone have a copy of their T+Cs for their natwest credit card from late 2001 early 2002? I would appreciate it if the booklet could be uploaded onto here. Great If it arrives before 7am tomorrow in time for mediation. But still need it for court. Regards

My mother in law works part-time for a supermarket in England, an has worked there for over 2 years. In July there was a store meeting where everyone was advised that they will be requiring people to offer more availability for the times/days they can work due to business requirements, and that redundancies were on the cards. On the way out of the meeting they were given generic letters for them to fill in with their new availability. Mother in law extended her hours of availability even though she didn't want to and she cannot commit to much more (she cares for my 2 year old a few days a week whilst i am at work). A few weeks later in August there were some redundancies in the store, seemingly for those who didn't offer the flexibility/availability required. Mother in law's new availability was accepted and her shifts she has been given has been based on that new availability since. Last week she was hand delivered a letter inviting her to a meeting with her manager tomorrow to discuss further availability that the store needs their staff to commit to, and that if this is not achieved then the outcome for the staff who cannot fit in with their requirements will be a new contract offered under the new hours the store demand, and failure to sign the contract would mean they are dismissed. I will be going to the meeting with her tomorrow as support. A few points i wonder if anyone could advise me on?: I have advised her to give some further offer of availability to show willing, and to draw a line and no futher. But can they ask for further offers of availability despite seemingly accepting what she offered when looking at initial redundancies? Can they make redundancies in the first step, and then in phase 2 (i.e. now) threaten dismall with no redundancy? In my mind there's nothing different to when asking people to change their hours to suit the business in July and doing it again a second time now. I have suggested she writes a flexible working request as she is unavailble 3 days a week due to caring for my child and hand it to her manager in the meeting tomorrow. Is this worth her doing or likely to cause problems? Basically, if she refuses to say she's available for all of the store opening times/dates and they dismiss her for this (as in give her a new contract which she doesn't accept) is this legal and does she have any avenues of recourse? Any advice appreciated.

Good morning, I really need some guidance and help on a matter that has been going on since March please. I work for a local council authority and back in March this year my manager tried to get me to significantly increase my evening overtime working hours without my consent and also without change to my contract even though this would have meant a substantial change to my working hours. When I realised that she was being underhanded, I said I wanted to speak to someone on the council to ensure what she was asking was correct. Needless to say this did not go down well and after many days or her threatening legal implications and much bullying to get me to do it, I declined once more. It was then she threatened to email the entire council (21 members) about me and tell them I had flatly refused to do as I was being told and to support her in her endeavours to 'manage' me and not to enter into any interaction with me again on the matter. She later sent the email. At this stage she also challenged me to file a formal grievance against her if I so wished. Having no personnel dept to go to I visited the CAB who advised that she was out of order and to file a formal grievance against her, she was not allowed to change me contractual hours etc without the consent of the council. This I did and what has enfolded can only be described as a farce! The grievance was held by 2 current councillors and found that my manager had not been bullying me and it must have all been in my mind and she was right to do what she did! I appealed the finding and some months later an independent panel found in her favour regarding the bullying as my colleagues refused to back me up. The panel did find that the way she had managed the situation was all wrong. They confirmed she had been wrong to send the email which undermined and embarassed me and the way the whole thing had been handled was disgraceful. The panel suggested the council must decide what the next step forward was but suggested some mediation could be offered to me and my line manager. A findings report was released for the council and she refused to let them see it. The original grievance was raised in March this year and during this time I have not been allowed to speak to a single soul at work about the matter. I have been completely isolated, without direction and it has really left me vulnerable. The final straw for me was when a new councillor came into the office 3 weeks ago demanding I go to mediation as the situation was now intolerable and embarrasing for the council. I said I wasn't sure I could attend as the situation had never been resolved (with the manager) after all she did she was never even given a slap on the wrists for her behaviour and now the whole thing has just been swept under the carpet. He demanded I go, if not, the council would have to take further action against me! I just can't cope with this any longer, it has been going on far too long as has caused me mental and physical stress, including heart palpitations. I went to see my doctor and she signed me off work for 2 weeks and then a further 1 month since my last visit with work related stress. (She did offer to sign me off back in May when I went to see her but I said I would wait and hope the situation would be resolved.) I have heard nothing from work at all in the last 3 weeks, but this morning received the attached letter quoting new deadlines and grievances etc etc. This is about to send me over the edge I swear, but what should I do, I'm off with stress and they send me more??? I don't know which was to turn. The letter is signed by a councillor on behalf of the staffing committee, but this newly formed committee (Sep 2014) is not a personnel/HR dept and I have no guidance at all. Do I really have to deal with this letter now, it seems like they are adding to my stress. I feel they have caused my current ill health due to their lack of duty and care towards me. I feel like walking out. I know that utimately I'll have to go as I no longer trust my manager or the council to stand up to her but in the meantime need some guidance, many thanks in advance to you all. I am happy to answer any questions you might have to clarify the situation.

Hi all i'm new to this bear with me, I have just received a letter from Paratus AMC claiming i owe Mortgage Arrears of xxxxx for a house i don't own or have made any payments too. There is no address as to the Mortgage Arrears or information, just they want me to contact them ASAP to pay Arrears. After doing some digging it appears on my credit file i have a Financial connections to people whom i knew and it is going back to 8 years ago the date im linked, it looks like someone has signed my name for a Mortgage /Re-mortgage. or they are fishing sending out a letter to everyone with same name in hope. I have received a letter from a Company a few days later from TLT which states Paratus LTD AMC v Yourself " We confirm our client has instructed us to cancel the recent warrant request and we have written to the court accordingly." that's all it say's. Are this Company following proper procedures.? I have no knowledge of this debt they request, all help to respond to these reptiles would be gratefully received thanks.

My mother is in arrears with Mortgages 1 Ltd and has fallen behind with the repayment proposal due to my father being off work ill. (Broken ankle and complications). HL Interactive have written saying "YOU ARE AT RISK OF EVICTION. We have now been instructed to enforce the Order for Possession. This means that an eviction date will be scheduled and you may have to vacate the property. ACT NOW BEFORE ITS TOO LATE Please contact us on ********* as soon as possible. We will try to work with you to find a solution to your mortgage arrears and avoid the possibility of you losing your home." The end of term for the mortgage is 4th May 2015. Closing arrears balance £13,409.59 Current oustanding mortgage (including arrears) £22984.54 She can only afford to pay £950 per month. How can we stop this eviction? Were looking at equity release to pay off the mortgage but this will take time. (more than the 9 days remaining before eviction) Failure of equity release, are there any other re-mortgage options? Thankyou in advance. J.

Please do not judge me but I have cheated the benefit system. On Monday of this week (28/04/2014) I received a letter which has requested that I attend an interview at my local Job Center concerning "an investigation into alleged criminal offences in relation to a claim to benefits" The letter does not give any further information other that I might want to have some legal representative there with me and that I should notify them that I will be attending. This I have done and have arranged for a legal representative as well to be there. A little background concerning what led to this situation. I have been on JSA for about 9-10 years and during that time I have done everything that the job centre as asked of me gone on courses both voluntary and mandatory, Been on the Work programme and finished it. Applied for numerous positions and showed them I was trying hard to get employment. But, at the end of it all I still was unemployed. All through this time (except for a three year break) I have kept an hobby of mine going and even tried to turn it into a business using a employment run test trading scheme that allowed you to start up a business whilst still receiving benefits. Business initiative (BI) were the people who oversaw the scheme. However during the test period BI did something which completely upset me to the point that I quit the scheme and did not touch my hobby again for three years. Moving on :- My wife is disabled with a variety of conditions (osteoporosis, Irritable Bowel Syndrome + others) and we have never had any Benefit for her except for DLA High rate Mobility) they never let us have the Care component. Anyway she developed another problem about 12 months ago and in receiving a prescribe drug for that to keep it under control as there's currently no cure for it. Something to do with the three main nerves in the face becoming inflamed and this causes severe pain in the head and neck. Even forgetting her tablets for one day means it takes about 10 days to get it back under control again. Anyway to keep it short Because I did not want her to be on her own in the house if I was lucky enough to finally get a job I did something silly and started my hobby again. However, due to the bedroom tax money had become rather tight and so I sold some of my things I had created to pay for my hobby and not have to use any money coming in from benefits as these were needed to pay for our normal day to day living. The problem is that the hobby grew beyond just a few £'s per week and grew to about £50+ after all the costs involved were taken off. This money I reinvested in better equipment and materials for the hobby. None of it was ever used for day to day living. I did not tell the JSA about this but discussed the possibility with them of getting onto a scheme they were now running whereby you received a proportion of the benefits you used to get for about 26 weeks and during that time you traded. We even went as far as getting me with a Enterprise Support Agency who would look over a business plan I was creating and make sure it was viable. However, the name Business Initiative came up as the people who would oversee my business progress and it was alarm bells instantly. As previously mentioned I had had a bad time with them and I just did not want them anyway near me again. The hobby(business) kept growing and the calculations showed that I was now at a point that with Working Tax credits and the income I was generating I could finally get off JSA and made the decision to go self employed as I did not want to waste all the effort I had put into it. The irony is that on the very morning I was going to sign off, get registered for self employment with the tax office and contact my housing association the above mentioned letter came and it completely put everything into jeopardy. So, here I am asking for any advice concerning what I should do now. I know I should not have done it but I only really did it with the intention of being there for my wife and to finally follow a dream I had had since I was a boy of running a business in an occupation I love. Please advise and I will answer any questions you may have (except what the actual business would be). Oh and I forgot to say that I have no criminal record at all, This would be my first offence if it did go to court.

Hi there, I am new to the forum, I signed up as I need help. Basically, I have the chance to work up in Aberdeen as an ERO (Emergency Response Officer), just means a mobile security guard really, but they require my last 5 year work history, vetting it's called. They already managed to secure some of it, but still need a few details from here and there, basically, I am asking, is there a really simple way to get all of my work history and unemployment dates in the last 5 years? If I call HMRC would they be able to provide dates I have paid national insurance and tax etc...? I appreciate it may be a trivial matter, but it's been going on for little over 2 months now and I'm afraid they eventually withdraw the job offer. Any help would be greatly appreciated.

have any of you who have a complaint against Swift contacted your MP about them? If so could you please post up here the details of the MP concerned as a lobby group of MP's is trying to be established to try and help Swift customers. The importance cannot be stressed enough, obviously the more MP's involved the more the right people will take notice.

Hi having just found the forum we are very grateful for any help or advice regarding our position. Having been with Allied Irish bank for the mortgage on our property they simply wouldn't allow us to go on an intrest only mortgage for any length of time and wanted capital and repayment this resulted in arrears. The property was rented out unofficially with the banks knowledge of course but they didn't have a buy to let product available so would not change the mortgage. Anyway the property is now in arrears and probably in around 200k of negative equity and we spoke on the phone with the bank who kindly suggested they appoint an lpa receiver!!!! he has since lost the tenants , changed the locks on the house and tried to sell the property leaving an outstanding balance of 200k without our consent . He is demanding that we remove all belongings from the property for insurance purposes if we don't comply he will remove them and place in storage for us. The kitchen is very expensive gagenau etc and when i emailed regarding removal of the appliances he demanded we seek legal advice as we weren't to touch anything bar furniture etc however we believe that we can take washing machine, dryer, wine fridge , steam oven regular size and dishwasher drawers (not built in) but must leave the appliances that have wooden kitchen matching doors (built in) hob , hot cold filter tap (cut into granite) and expensive light fittings?? having told him of our intention he wants a copy of our legal advice to pass onto his solicitor however i got the advice in conversation with a solicitor and citizens advice and have no copies to give him !! please any advice would be really helpful no matter how small!!

Wonder if anyone give me some help, Possibly Andyorch My wife received a County Court Claima few days ago Reference a MBNA (Virgin Card) POC Below The Claimant claims the sum of £ xxxxx.xx for debt and interest. On 24/2/2003 then defendant entered into an agreement with MBNA for a credit card under reference XXXXXXXXXXXXX. On 31/12/2009 the defendant defaulted on the agreement with an outstanding balance of £ xxxx.xx. On 28/01/10 the debt of £xxxx.xx was assigned to Varde Investments (Ireland)Ltd, who its self assigned the debt to Aktiv Kapital Portfolio AS Zug Branch on 03/03/12> Notices of Assignment were sent to the defendant in accordance with s136 Law of Property Act 1925. AND THE CLAIMANT CLAIMS 1.) the sum of £xxxx.xx 2.) Stautory interest pursuant to section 69 of the county courts Act 1984 at a rate of 8.00% per annum from 3/3/12 to 21/8/14 £xxxx.xx & thereafter at a daily rate of x.xx until judgment or sooner payment I have filed AOS saying I intend to defend all of this claim I have prepared a defence by using some of Andy's advice to others and if I post it could someone advice me if it Looks ok and if I should amend it and anything else I should be doing. Have sent a CCA Request to Aktiv by recorded delivery.

I've been managing a rental property and the tenants (a family - husband, wife and child) have been residing in the property for approximately 6 years and there has never been an issue with non payment of rent. Due to work and family pressures, I took my eye off the ball and did not check that their rent was being made. I recently check the account and realised that last months rent had not been paid. Having contacted my tenant he apologised and informed me he had been experiencing some financial difficulties and would be making the payment. However when I went into the bank, they informed me that the last payment that had been made was back in OCTOBER 2013!! So as at this month the amount owing is £12,000!! I immediately went to see the tenant, he explained the reason why payment had not been paid (there was an issue with his business). (The thing that really annoyed me was that he had not made any attempt to contact me (his wife was annoyed as she said she kept telling him to) - but I do accept responsibilty that I should have checked). I had no option but to immediately served him and his wife (they have both signed the tenancy agreement) with a Section 21 Notice - which means they should leave the property at the end of September. The tenants wants to remain at the property and have presented me with a payment plan where by they agree to pay £500 every week from 1st of september 2014and £1,000 from 6th october 2014 everyweek untill the arrears of rentis clear and uptodate. I'm unclear what I should do:???:. I clearly NEED to get the money that is owed and am worried that if I evict I will not see it again. I think I have three options: 1. As this is the first time they have been in this situation, do I inform them that if they negate on the payment plan then I will evict at the end of September - but then risk losing what is owed? (plus at the end of September they would only have paid £2,000 and by the end of September the arrears will be £11,200). 2. Do I let them stay and register a default against them until the amount is paid off? (If so, how do I do this?) 2. Do I evict and register a default? :???:My feelings would be to opt for option 2 but as I've never done this before would really appreicate the advice asap.

A friend of mine (not me but a close friend) is considering a debt management plan to help with his debt problems. From reading I see debts are prioritised but what happens to those debts which are not priority but where there is a ccj already in place and where he hasn't kept to the agreed payments? If this isn't the right forum, perhaps you could report for me. Thanks.

Hi all, Need a bit of advice. I will try and keep this short and give all the facts, today my partner has received a requisition from the dvla No ASN required. On the 1/3/2014 we got 6mts tax from our local post office and paid for It by cheque the cheque was declined by our bank. We recieved a statutory notice dated 27/03/14 saying we had to pay the £68.75 or deliver up the licence. Now fast forward to today 13/8/2014 he gets this letter saying as he has failed to deliver up the licence he is required to appear at Lancaster Magistrates Court on the 1/9/2014. Now this has come as quite of a shock as I thought he had rung up and paid but he totally forgot about it, i know its no excuse and i am mortified this has happened. The car is taxed now as of this morning. Any advice on what to do. And yes this means I have been driving without a valid tax disc and I know that is against the law and believe me I am mortified and ready to hand myself in at the police station.