Neighbour threatening to disconnect my water I live in a semi-rural area and my property, and 8 others, obtain our water supply via a pipe that runs under a field owned by a person that simply owns the land, no dwelling. A dispute has arisen (people objected to a planning application he made) and now he is threatening to disconnect the water supply to the 8 properties. So, my question is, can he legally do this? Where do I go to deal with this, Severn Trent Water are not helpful so far. Just getting to speak to someone about anything other than my bill or a leak is proving impossible. Thank you in advance for any assistance. Marcus

Hi All, I'm new to the forum and desperately need some advice. Basically I was dismissed from my job for not being a good "culture fit" - no warning, no disciplinary etc but was told that they were going to help me find a new job I came into the office on a Sunday and the manager was supposed to help me go through my CV for the employment agency. He called me in the morning and asked if I still had the company owners Ipad (which I brought with me to give back). I was then interrogated as if I had tried to steal the Ipad, and download apps (neither of which are true - and the police were never involved) So they never gave me any assistance and I had to find another job, which I now have. I then receive this text from the manager a week after starting my new job [ATTACH=CONFIG]53337[/ATTACH] Basically the review was from an unhappy customer who had their goods damaged, and I agreed and "liked" the review What legal position do I have? blackmail/extortion etc? I'm not sure how they found the details of my new employer, but no references were requested, and never will be - but obviously he's saying that he will call them and basically tell them untrue information Please help

Please Help. I sold my soul to the devil 4 yrs ago when I purchased a Tumble Dryer from Perfect Home!! Believe me I was under no illusion as to their sky high interest rates ect but I had no other alternative as couldn't afford to buy one outright. Since then I have had 5 agreements with them (2 have been paid 3 ongoing). My problem is this: A month before Xmas my cooker broke so having no alternative I once again turned to Perfect Home. All was ok until I missed a payment last week! My weekly repayments are £42 so I now owe £104! This being 2 wks payments Plus £5 late fees ( I have not been informed that the late fees had gone up!!) I cannot afford to pay this all at once so offered to pay £60 today and get my account up to date next week. The man I spoke to said they couldn't do that as they had a new manager and a change of policy??! I spoke to said manager who said they could only take payment in full! Can they do this? He has threatened me with taking my goods so I told him to take me to court and he put the phone down! If anyone can help/advise i would be very grateful

Hello all - I'm hoping someone can help me please. I have today received a Final Demand from Anthena ANPR Limited re parking in a Lidl carpark. I parked in my local Lidl car park a few weeks ago, got back to my car within the allotted time but sat in the car for about 20 minutes or so as I felt unwell. A few days later I received a parking charge notice from Athena and having researched private company parking invoices for a friend a few months ago followed the advice I read then, as in ignore it. I've since received the 'your 14 days are up' letter and now the one saying as the registered keeper I am liable for the full parking charge and as a result my case will be transferred to a debt collection company if full settlement is not received within 14 days. I'm a tad worried now, as having looked on the site today I see people are saying not to ignore it. Financially I'm slightly screwed anyway, as I have a debt solutions agreement in place to pay off debts my ex left me with, and am a single mum of two on a low wage - I don't have £90 spare to pay it, even if I wanted to. I apologise for adding yet another thread onto your forum, but wanted to check that the info I (hopefully) get is up-to-date and relevant to me! Thanks for reading and any advice would prevent the inevitable migraine that will soon start due to worrying about this.

I really dont know where to start here but i will try and explain as best i can. The main reason for the post is to find out if the repossession is legal which is only the tip of the iceberg here. A financial adviser is contacted to source funding for a small residential development. The adviser contacts a company who happen to be a broker. The broker sources funding from a lender and charges £1,000 app fee. The application is made to LENDER which was successful, no issues. The name of the company at the top of the facility Letter is lets say "The Lender" There is no address or contact information of any kind within the contract other than the name of the company at the top. As the contract was to release the funding in stages, the first stage was released and work carried out to complete all underbuilding work. Not further funding was released after this due to the lenders demands outwith the contract. One thing led to another and the issue was unable to be resolved. The lender decided it was time to both serve a calling up notice and subsequently a court writ to repossess the partially developed land. This is where things start to open up and i find out who is who The issue is that the pursuer is a Limited Company, the same Limited company that the broker was a trading name of, effectively what this guy is saying is, the broker and "The Lender" were both trading names of the Limited Company- How was i to know that when the Financial Adviser requested £1,000 app fee payable to the lender and also there would be a £1,500 fee payable to the broker for sourcing the lender? Effectively it now looks like the Director of the limited company not only charged me to find the lender but HE was the Lender. Now, to make things clear. The Limited company using the two so called trading names had a Consumer Credit License (Legal Formation: Body Corporate) (Nature of Business- Mortgage Broker) (Category-Credit Brokerage) this is very clear from OFT. "The Lender" also had their own CCL as a separate entity,(Legal Formation: Partnership) (Nature of Business-Mortgages) (Category- Credit Brokerage and Consumer Credit) this is very clear from OFT. "The Lender" from the mass of information i found out about them has been a Partnership company for many years but the Limited company who is pursuing the repossession has only been set up for over a year. I am of the thinking that, as nothing mentioned in the contract about a trading name of the Limited Company (which would be a breach of the Companies Act) if it were the case. The limited company did not hold any CCL to be a lender. The Partnership was established at least 10 years prior to the Limited Company being set up, and most importantly, there will be litigation against the lender for breaching the contract it is simply a move to limit the liabilities to the Limited Company that seemingly does not much in the way of liquid funds. Another slight twist is that, the broker and lender have no association whatsoever with the Limited company now they are now trading names of two other Limited companies this guy has set up and the CCL status of all companies is that they are Mortgage Broker NO MORE BEING A LENDER! Again, just to add a little spice. the three individuals who own the Partnership/Limited companies have between them Dissolved over 40 companies within the last 8 years or so. Should it not be "The Lender" named within the contract pursuing repossession. Should i be suing a company not named on the contract and also unauthorised to lend? As i mentioned, this is the tip of the iceberg, Thanks in advance

Hi im looking for some assistance please. I have an ebay buyer threatening me with the small claims court for an item they say they returned but we havent received. To cut a long story short they were not happy with the item they purchased so we asked them to return it. A few weeks have now passed and we have not received the item back and they cannot provide any proof that they returned the item. Can any one help me where I may stand if they were to take me to the small claims court? Thanks

I recently sold an item for £45 on ebay and posted this by courier with full online tracking. The couriers own website states the item was delivered but the buyer stated he has't had it. He opened a claim and ebay being ebay found in his favour despite the online tracking. They have now put my paypal account in -£45 and stated that unless I add funds its time for the usual round of debt collection. Having never had any experience of ebay/paypal going wrong is this amount actually enforceable and is there any history of court action from these guys? I have taken screenshots showing that the item was delivered to the buyer as a possible future defence and ensure that Paypal have no access to my credit card or bank account. I'm just wondering if this is actually worth the fight as I'm guessing all manner of fees will be added to the debt. What do you guys think?

Hi, I am receiving threatening letters from Wescot about an unpaid bill for YourMove of £288.00 I have now paid this debt to YourMove, but Wescot are chasing me for the whole debt including an extra £41.55, making a total of £329.55. I have phoned them and explained i never received the original letter as it went to my solicitors and i never received it. I said i would pay the £288 to YourMove as i did not receive the original letter for the debt. Now they are still chasing me for the full amount. I think i need a letter of some description saying i have paid the amount up, but cannot find a template to word this correctly. Can anyone help? Thanks in advance.

Hi I have received a number of emails recently from MotorMile Finance claiming an outstanding balance on a payday loan (Pounds Till Payday). I have no record of any outstanding debt but don't have records going back to 2008 to check the validity of what they are claiming. I have no record of any defaults or accounts for Pounds Til Payday on any of my credit files so am not sure how to proceed. When I asked for further information they gave me the following: This could all well be true but I have no records of outstanding debt or any records (let alone defaults) from Pounds Til Payday on any of the 3 reference agencies. Mmile claim to have purchased the debt and sent an email stating their NOTICE OF LEGAL ASSIGNMENT: I was considering a Subject Access Request to get as much information held as possible but my primary concern is the latest email which threatens to register a default on all 3 agencies against this supposed debt. Can a default be applied against a debt that has been purchased by a DCA? (assuming the Notice of Legal Assignment email is legit) Email below: Any advice on how to proceed would be welcome! I do not want unwarranted defaults appearing on credit file

A few years ago I had an unpaid tax bill of around £6,000. I & HMRC came to an arrangement and they (because I wasn't working anymore) agreed I cld pay this off at £100 per month, which I have done every month (amount now owing is £1,600). I have this in writing from HMRC. They send me a statement every 3 mionths to let me know how much I still owe. All well & good...no because at the beginning of April I rec'd letter asking for full amount, rang them said to ignore it, end of April same thing, rang them and bloke said must be a mistake and not to worry just keep on paying my £100 a month and he would "sort it out" at his end. Sigh of relief...no because this a.m. rec'd a letter saying that I have to pay this in full otherwise they will send a debt collector around!!!!!! I rang them yet again and was told exactly same thing ...not to worry...will sort it out...just ignore the letter!!!!! All well & b---dy good but after the 1st two calls still haven't sorted it out otherwise I wldn't have got this letter . I told him that this was harassment. Now if they take it further and do send a baliff/debt collector etc what are my rights if I am in an agreement wit HMRC. I am not disputing I owe the money, I do, but can I tell debt collector or a baliff to b---er off or words to that effect! Help needed please.

Hi folks, having yet more "fun" with Natwest credit card, due to one thing and another I have not been able to make my payments for the last two months, I contacted Natwest and explained the situation and gave them outgoing and income figures over the phone, was then told they would send out an income and expenditure form for me to fill out and return which I have done with the same figures and also a covering letter as requested explaining my situation and making a repayment offer I think I could afford, which I did, today got a letter back from them saying the figures are incomplete and the offer is not satisfactory and asking me to ring them again with figures! So yet again it seems Natwest are acting as a law unto themselves, they are still charging defaults and interest whilst having been told I cannot service the existing debt, is there anything else I can do they seem to ignore anything that doesnt suit them! Just to show the difference my wife rang Barclaycard with the same problem and they agreed to freeze the interest for a year and accept £50 per month and review again in a year and that was all over the phone with no hassle!

Hello. Basically on the 13/04/2014. I went to my local shop known as Telfords in South/Dormers Wells Lane. To top up my Oyster card by £2. I only needed to make one journey to Ealing Broadway to see my boyfriend at work and I already had 40p on it. I bought a bottle of Ribena and paid by card the total was £4.28. The shop owner realized he charged a pound too much and gave a pound coin back. He only gave me the card payment recepit, but not the little one that shows you made the payment on the oyster. So I left. I got the bus, went to scan the card. It didn't work. Which was strange, even though I just topped it up 15 mins or so ago. I showed him my card recepit and he said I can get on. But if the Inspectors came on. I would have hassle. I understood this and got on. At around Grovesnor Road. They got on. Came up upstairs. I immediatley said along the lines of "I did top up, but it wouldn't scan for some reason." They said it was fine, the bus driver explained the situation to them. Then they tried to scan the card, but it didn't work. He then assured me that I wasn't in trouble (I was really getting stressed out because I did top it up and I know I did.) and everything would be fine. He then inspected it and showed me the areas where the card was damaged and said that he can get sent off, have it analysed and I can get a replacement one from them. He asked me where I was going. I said I was only going to Ealing Broadway (At this point I was on the phone to my boyfriend, but didn't hang up, I just held the phone in my hand, because I texted him stating my card wouldn't scan and what had happened thus far), he said this was fine. He then asked how I was traveling, I said bus and said I was only making the one journey today. He said he'll give me an Authority to travel card and filled it out for me, then gave it back to me. He asked for my details, address and dob. Which I happy to do. He said again everything was fine and I was not in trouble. I got off at Ealing Broadway, after saying thank you and being very sorry for the hassle. On the 17th I get a letter stating I will be taken to court. At this point I started bawling my eyes out and had a panic attack, because I took their word and trusted them (I have severe social anixety and depression, so this had set me off.), my boyfriend then called them on my behave because I couldn't speak coherently at the time. He gave them my case number. Then he explained what had happened, then the man on the phone said "Is that what she told you?" as if I was making it up. He held in his anger. And repeated what had happened. The man on the phone said that the inspector either gave me the wrong information or outright lied to me (I've noticed in threads speaking of similar situations, that they lie to you in order to get co-operation out of you.), and that my Oyster card in question had not been topped up since Feb 2007. Which is silly, because I was born in 1992 and I would been in North Wales (Where I use to live) and still be in school. I wasn't even aware of Oyster cards then. Then he gave a second date of Feb 2013. Which was strange because the first time I ever received and used the Oyster card is when I was visiting my boyfriends family in London in Late (around Septemberish) 2013 (my boyfriends mum had bought me the oyster card and topped it up for me), I only used it a few times. Then when I moved down to London in 13/02/2014, I then started to regularly use and top up my Oyster with no issue. The man on the phone said the information they have is "sketchy". They also said that they don't do replacement services. So. I feel like I am being taken for a ride here. They are trying to make me out to be a criminal essentially and I would never dodge a fare. So I am sending my statement, my boyfriends statement of the phonecall he had with one of their employees. The original card recepit and the bank statement showing I paid this amount on this day and it's all right. Then a copy of my authority to travel card because I can't trust them at this point. I also went to my local shop to view the footage of me paying for the top-up with my boyfriend, it even shows me taking out my oyster card and debit card, then paying for the Ribena and top-up and putting the cards away away. They will keep the footage for me and I said in my letter if they still find my account not to be true. They can arrange to view the footage themselves or arrange something reasonable with me in regards of the footage and said I will get the statement of the local shop confirming the CCTV and the events of that day. Also, if I had actually caused an offence, why did I receive the authority to travel card and told I did nothing wrong, I would get a replacement etc and why was I not given on the spot fine?

Hi Guys, So I'll make it simple if I can. - Advantis sent a letter to me about a month ago requesting payment of £107 for an outstanding bill with Virgin Media that I had a couple of years ago. I ignored it. I thought I'd see what happens. - When they thought it was appropriate to call me at work in the middle of the day stating who they were to a colleague I thought enough is enough (like Barbra did). They told me via this phone call that they would send another letter. They did, this time with the threat: NOTICE OF INTENT TO COMMENCE DEBT COLLECTION ACTION. Scurry stuff I think you'll agree. - I thought I'd give Virgin Media a call to confirm this amount. The gentleman I spoke to was extremely helpful and indeed confirmed the amount I owe. - I asked Virgin Media if I could pay them. They said no because they had sold it on to Advantis who I now have to pay. Groan. - I have no issue with paying this money. The issue I do have is with this company, Advantis who I picture as working from a trailer parked at the side of a road somewhere. After reading all of your posts and threads on them I really do not want to have to hand over any money to them because I don't trust them to be quite honest. Also the outstanding amount of £107 is still listed with Virgin Media on my credit report. I am concerned that if I did pay Advantis then it would still show on my credit report as defaulted. Like, I just get the feeling nothing would happen. I've worked in a cold calling sales company before and I know exactly what happens in all of these types of companies. So that's where I am at the moment. Can you guys suggest anything or do you think I should just pay Advantis and be done with it? If so, after paying Advantis should I contact Virgin Media to get the credit file default removed or changed to settled or will this automatically happen. Any advice would by much appreciated. Or if you have had the same experience then I'd be glad to hear about it. Thanks guys

Hi guys, I have a car on finance and due to moving I have not been able to get letters for the car and apparently I have missed 2 payments, I had a phone call today from a 'warrant officer' saying the finance want the car back immediately or the full balance and the finance company is failing take my calls. I spoke to the warrant officer and they said if I don't give him the car he would report it stolen to police who would arrest me? He also said I could get up to 7 years for it!! Surely this can't be right.. Also I am not refusing to pay or give the car back as originally he said I have a week but now I don't for some reason and I though a week was reasonable to get it sorted. Any advice much appreciated and if you need any more details pleas let me know.

Dear all, my income has been declining for many years, and I have struggled with self-assessment tax bills that relate to previous years when I was earning more. I got my accounts for 2012/13 and paid what I could in July (1st payment on account) - but with £500 left outstanding. I thought I might be able to pay 2 or 3 months late - there will be no penalty as I got the return in, and they have stated the interest is 4p a day. But they sent a letter on Aug 28th reminding me to pay. Then on September 10th they sent another letter reminding me, now saying debt collectors might become involved - only 2 weeks after the first reminder. I think I'll have the money in about a month's time. So I'm trying to just let it ride and let them stamp their tiny feet in the meanwhile. Has anyone else managed to fend these people off for a few months?

Just received a letter from a DCA claiming ownership of an alleged debt and also in the same letter is another letter from the original creditor claiming to have sold the debt to the DCA, however the letter has obviously been produced at the same place as it has markings from the printer or computer that match identically with the DCA. Also on the DCA letter it states the amount owing etc but next to it it states annual interest 12%. Now forgive me if i'm wrong is that them intending to charge interest on the amount owing?

Having received, out of the blue, a fine from Highview parking in November 2013, I emailed them back the following... I am furious to receive this letter.. I am a law abiding, senior citizen and always park and pay correctly... There were 3 adults and a small child in the car. .We all are astounded that you have the cheek to send us this bill... The time clocked on us entering the site, does not take into account the 5 or 6 minutes after that, trying to find an 'all day' parking space in the underground part of the car park. .We could not find anywhere. We waited a few minutes for a Lady to pack her car with her shopping, hoping to take her spot, but she then said she was not going so we had wasted all that time.. .and then, emerging up to the ground level parking, there was still no where empty.. We finally saw a spot near some rubbish but again had to wait for a young couple with a pushchair to get out of their car and shut their doors before we could park next to them... When we were all ready to go, with my little great granddaughter in her pram, I went and bought a 3 hour parking ticket. ..You should have taken the time from that ticket, not when we entered the site. .There must have been at least 12 or 13 minutes of wasted time. In fact, we nearly went to another car park as we were fed up with waiting to find a spare spot. Please bear in mind, there were 3 adults in this car and we all know the truth. .We did pay for all our parking time and in fact, were back at the car about 4 minutes early... Please take all this into account and do the correct thing in cancelling this charge. I have no intention of paying something that is so unjust. We have used this car park many times before with no trouble at all. BUT NEVER AGAIN AND I WILL TELL ALL MY FRIENDS AND RELATIVES WHAT YOU HAVE DONE.. I await your reply.. I am still getting more letters with the price going up. I do not know who owns the land where the car park is.... ..What should I do. This is such a worry as I am not used to being treated like this...

Hi all, Got a call from my mother today saying bailiffs left a letter through the door saying I owe them over £600 for two penalty charge notice(parking tickets from about a year ago). I live at my parents house and have been unemployed for the last 6 months and not claiming JSA. I have no money and no longer have the car. I phoned the bailiff to explain my situation and to see if he would send the debt back to the court but he wasn't having any of it. I know he can't take my parent's possessions but he said unless they can prove what they own he can take them. Please can you give my some advise. Thanks Liam

Hi everyone, I was wondering if someone knowledgeable in the field could offer some advice Scott and co have recently sent me a letter stating that due to the length of time I have owed and the size of the debt they will apply for sequestration. No specific dates. I emailed them (as previous experience has put me off phoning) and firstly asked them to break the debt down. They let me know there is some from 2008-2009, some from 2009- 2010 and some from 2010-2011. The total amount due is £3400 I then emailed back asking if they would accept repayment in instalments. The reply came saying yes but they would like payment in full before the new council tax year starts. I mailed them right back saying that was unreasonable, it is more than my household income in that time and could they suggest a more appropriate arrangement. They then replied asking for a phone number which I politely refused to give. Their next offer was for me to pay a lump sum and then monthly installments. So again I asked what figures they are suggesting. Half the amount due as a lump sum and then £200 a month. I have emailed back stating I could pay £600 lump sum and then no more than £100 a month. So my main questions are as follows. Can they apply for sequestration if i get the debt under £3000? I understand that's some kind of threshold. Can they refuse a payment plan without having done any affordability questions first? Surely arrestment of earnings should be their first step anyway? If they are going to apply for sequestration will they have to advise me of this, like a date and give me a final chance to pay? I'm a bit worried as do own my home , if I was still renting I would be telling them where to go... thanks in advance xx

I have recently had a new bathroom, completed 12/12/13. The company that we used provided us with a verbal quote of £1400 to install a new bathroom suite, tile the walls, and install the flooring. We did not receive a written quote. We were asked to purchase the bathroom suite (toilet, sink, bath, towel rail, electric shower, shower curtain, toilet roll holder, waste pipes x 2), the tiles, and the flooring. We paid the final invoice (£1400. Full invoice details: "Labour only to install new bathroom suite and associated tiling") despite our reservations regarding the quality of the work, but just wanting them out of our house after 3 weeks to do a "5 day job". We then got a call from the electrician (19/12/13) who fitted the electric shower asking for £220. We understood that the bathroom fitters were sub-contracting the shower fitting and that it was included in the price, minus the cost of parts. Myself and my partner remember at least two occasions when the installation of the shower was discussed with the bathroom fitters and they had said that it was included. I personally spoke with them as we had considered using an electrician that we knew but we agreed that it would be easier to use their electrician as it was already included within the original quote. We hadn't been present whilst the electrician was in the house but he explained the cost of the cabling and came to the house and showed us the required parts that he had had to install onto the main circuit board in order to make the installation safe. We were surprised to be facing further costs but paid the electrician for the 'parts' element of the invoice (£120) as we understood that we had agreed to the initial verbal quote for the labour costs of installing the bathroom and hence already paid for the labour involved in the installation of the shower but did owe for the parts. Today we have received an email from the bathroom fitters threatening us with court action if we do not pay the £100 labour fee for the electricians work. Where do we stand regarding this? Any advice would be gratefully received.

Hello, I have been a customer of "PerfectHome" for about a year now. I have just missed 2 weeks payments due to being out of work and now have them knocking at my door. I have buried my head in the sand and avoided them as they have put a note though the door saying that they are going to contact the police as the goods still belong to them. Are they allowed to do this and what rights do they have? Thank you in advance

my daughter and her ex partner have a joint mortgage plus a secured loan totalling £90k. He has just been released from prison for theft. He has told her it will be in his best interest to declare himself bankrupt, leaving her with the debt. He is being fined for proceeds of crime. There is no way she can take on this on her own, she has 2 young children who are his. She has been paying the mortgage herself but interest only for the past 2 years while he 'sorted himself out' She knew nothing about the theft, it turned out he was living a double life with another family. The house is already in negative equity, probably worthless, due to next door being converted to probation flats full of rowdy young men. I cant help her financially. All complicated and none of her doing. Please can anyone suggest where we turn first. If this is in the wrong section please advise, this is my first time on here. Thank you

Hello, I recently signed up to Legalcares 14 day free trial and thought it was ok to cancel through paypal like many people did. After the 14 days they sent me an email saying i hadnt cancelled and I now have a 12 month subscription with them. I replied to that email saying I did not want their service and to cancel the account immediately, however they said it was too late and began demanding the full 12 months payment in one transaction. They say I clicked the terms and conditions in which the proper method of cancellation is stated and they can claim all the money at once. It seems like an obvious trick now but I fell for it like many others. I did some research online and it seems there are many people in the same position and most say they would refuse to pay and to report them. I have reported them to the OFT but they have already passed my debt on to Daniel Silverman debt collection agency who have been ringing me constantly and have now sent me a final demand and I will be taken to court if I dont pay! Many people have told me they are just using scare tactics and it probably wont go that far but I am a little concerned. Can they actually take legal action and win? They must be doing it to hundreds of people. Can anyone give me some advice on what to do? I dont want to pay nearly £300 for nothing, has anyone else experienced the same situation? Thanks Craig

Hello everyone, After a phone call from an "Investigator" to my wife, my address was confirmed. Im now receiving letters from Link who have been appointed by Thesis demanding payment in full for an outstanding SLC loan. The loan was taken out 97/98, and should be the old type, however sometime around 1999/2000 i received a CCJ (despite pleading that i had notified them of a change of address, therefore not received the deferment ) being young and broke I panicked and had been paying a monthly figure up until 2009 (I had to close my bank account from where I was sending the standing order). I very nearly called them to negotiate a settlement but after discovering this most fantastic forum, decided to ignored the 1st letter and see what happens next. I have stored the number they used to contact my wife with in my phone as DO NOT ANSWER and get the odd voicemail asking me to call urgently. I don't intend to speak with them. Is there anyway to find out what other numbers they use? so we are not caught off guard. Im expecting it to get worse. The next letter I received seems somehow less threatening, however states their intentions to not allow me to leave the account unpaid. They also note that they are aware that i maybe avoiding contact with them but they are sure that when I borrowed the money I had every intention to pay it back!? The next paragraph says something along the lines of-- If this dept has been registered with a Credit Reference Agency it will be held against my name.. I thought it had already been held against me after the 1st CCJ? The Last Paragraph says that they may place my details with the Asset Investigation Department to validate my personal data and pursue any action that may prove necessary to recover the balance. Am I in a position to continue ignoring them? Or should I start down the road of fighting back? after the way the SLC/Thesis and now Link have dealt with this matter, I have no intention whatsoever of parting with any more money for them! Hopefully, I've tried to be as concise as possible Yours Thankfully Soundman

(On behalf of friend) My friend has been offered a job which he has been trying to get for 6 months and is excited. It is leaving one business media company for another but with a completly different client base/industry However, he needs to start in one week's time and when he resigned last week, he was hoping to negotiate an early exit. Apparently, they normally march resignees out of the office immediately so he was surprised when they told him they want him to work 4 weeks notice (as contracted). He has been back to them to say he would like to work this week to complete a handover so that his clients are properly passed over to another member of staff and so no damage is done in delivering to those clients. He was thinking about simply walking but wanted to be reasonable and leave on good terms Unfortunately for him, they are insisting he works 4 weeks and if he leaves early, they will get an injunction on him to stop him from joining the new comapany and also call senior management of the new company to 'have words'. Can they do these things? It is worth noting that he is not a senior member of staff. This is a sales exec role. I am sure that this is all aimed to scare him but wondered what the CAG advice is? He know's that if he leaves early, he is in breach of contract and will lose commission & notice pay but really needs the new opportunity and the new company offered on the basis that he starts sooner.