I am very ashamed, I have been very stupid and don't know what possessed me. I feel sick and scared, can't eat. This is the first time I have ever done any thing like this, it is not me, so I am very ashamed. I'm 50 female and worked part time . Been working there nearly 2 yrs. I was called into an investigation meeting at work ( i work in a large retail chain) and then a few days later a disciplinary meeting. At the first meeting Firstly, I have been accused of buying online from our store with my discount and then returning without making sure the discount had been taken off. This has happen numerous times, I didn't notice the discount hadn't been deducted. Sometimes it is sometimes it isn't. I stupidly assumed that it is the person behind tills responsibility to press the button. (I work there so they know I'm an employee ) but apparently it's my responsibility. I didn't realise they have examples going back a year, mainly in the last few months, I had pointed out a couple of times that they need to press button, when I was just bringing one thing back. Usually I am returning number of items, busy getting sorted to check button is pressed. Secondly, I should return to card paid with but often forget my credit card so use my debit card (also used to have 3 months to return so credit card would have already been paid). Thirdly, I had some items that were past their return date and I got my husband to bring them in to me for return (no one knows my husband) which I nervously did as I knew I shouldn't serve my husband. ( he was not happy doing it) stupidly used my debit card, and used a false name and address. the thing I am most ashamed of, i realised I had returned something to my husband at the reduced price rather than price I paid, got it in my head that I needed the difference ( god knows why) did a suspended transaction so that I could take it to the till at my break, for some reason I had a gift card in my pocket for use with customers I loaded the amount onto the gift card for me! (£20) not even worth it. As I said I don't know why I did it, what possessed me. All so very stupid, but done now so can't change. I said I would pay back what I had got in error as not my intention. in the investigation meeting I explained my reasoning for the first 3 things, said I couldn't remember the final thing - when I was asked about the transaction. I got suspended unsurprisingly. I didn't sleep at all, all I could think was 'that they knew'. I was called back in the next day and asked to clarify a few things including the refund, I broke down and admitted it was for me, and didn't say yesterday as ashamed. I was told they would be in touch. I left and went and got replacement gift card from another shop and in an enveloped dropped it in addressed to investigating manager. I know it doesn't put it right. Few days later I received letter inviting me to disciplinary meeting. I went, I could have taken someone but was too ashamed. Haven't even told my husband about gift card. At the meeting I said how ashamed and sorry I was, how it wasn't my intention to abuse my position. Said I had stress at home, but no excuse. Had already submitted my resignation, (but have to give 2 weeks notice ) He said he had to go through process and ask questions. He wanted factual reasons that I couldn't give , asked if had any mitigating circumstances , i didn't even know what that was. Then he and note taker left room for 30 minutes. I asked several times if I could leave and he said no they had to go through process. When they came back he listed what I was accused of . Then said they would accept my resignation with immediate effect, which I wrote there and then. He ended the meeting. Then said "off the record" - I had said I would repay what taken, if I work out what I owe back, (central protection can go back 18 months) then they may take that into account when/if they contact police. I said I didn't have copy of receipts but I could do what I could - looking at my bank /credit card ins and outs and orders placed. I just want to die at the moment, i have been so stupid. I am so ashamed of my actions . I now can't sleep or eat with fear that the police are going to come knocking at my door. I have spent two days going through my accounts and worked out in the last 8 months that there have been about £550 ( mostly in the last couple of months with sale stuff and handbags ) I haven't a clue about 18 months ago but I've spent more on clothes and shoes and bags lately and there have been a lot of new staff in last few months . I am going to write to them offering a payment of what I have calculated I owe and apologise for my actions . I am so humiliated . I don't know who I can talk to. There's not even a CAB I can call in my area.

Hello, A number of PCNs from Smart Parking were delivered to my address in the last few weeks, for an alleged breach of the terms of parking at Matalan in Sutton, Surrey. This was subsequently followed by a Notice of Intended Court Action letter from Debt Recovery Plus (DRP), stating the reason for the PCN being issued as: "Overstayed Paid Time". Earlier this week, another letter was received from SCS Law who claim to act on behalf of Smart Parking Ltd who have allegedly instructed this law firm to recover the PCN charges. The letter then goes on to state that Smart Parking are entitled to the outstanding sum under contract law, adding: "When your vehicle parked at the above mentioned site(s), the driver of the vehicle agreed to be bound by the terms and conditions of parking which was displayed on signage throughout the site(s). The driver of the vehicle breached the terms and conditions of parking on each of the above stated occasions for the reason stated. For each contravention, a parking charge notice was issued, for which the sums owed remain outstanding. We refer you to the Supreme Court decision in ParkingEye Ltd v Beavis [2015] UKSC 67. In this case, the Supreme Court found that parking charge notices do not contravene the penalty rule or Unfair Terms in Consumer Contract Regulations 1999 provided they protect a legitimate interest. Unless payment is made within the next 14 days, we are instructed to issue court proceedings to recover the same and any of our client's legal costs, without further recourse to you". I visited the Matalan store last weekend and discussed my issue with a member of staff, with the hope Matalan would intervene and request for the PCN to be cancelled, being a regular customer of the store. The member of staff was not very helpful but did advise me to contact Smart Parking directly for any resolution and also pointed out that Smart Parking were no longer the contracted to manage the car park. I would now appreciate the kind assistance of our very valued forum members to advice on how to fight this PCN successfully and have provided some relevant pictures from the car park, if this helps construct a solid defence. Thank you.

Hello I was put at risk of redundancy , the letter said they would consider volunteers but no guarantee, was intending to leave later in the year i volunteered . had a one to one with the director and said i was interested , have worked there for over 10 years so the payout was considerable and would help with my new venture . The request was refused. There are 2 positions and 4 people , have un offically been told one of the roles is mine even though i said dont want it, was un offically told they want me to take the job as if i dont they will be forced to give it to one of the people they want to get rid of . have a very good relationship with the director who said if i stay until all the dust settles he will try let me leave before the 3 months notice is up maybe 2-3 weeks early but this wont help me much . The whole thing stinks tbh why offer someone a job who has told you they're intending to leave , also i will have to put in my notice during the 45 day redundancy consultancy period and not sure how that would work . i have not spoken to HR yet as this will cause issues but im seriously considering going to Hr . Need some advice please asap . Thanks

I work in TK MAXX and I stole something from one of their store (not the one I work at) I stole a wallet that was priced at £12.99, as leaving the store the LP stopped me and brought me back into the store I denied it all but he says that he has CCTV proof of me placing it in my bag, he didn't call the police or anything he just took some details from me aka dob name and address. this is the first time I have ever done anything like this, I am feeling very guilty about doing it. I have a meeting with my line manager in 2 days time and I don't have a clue what's going to happen to me can someone please help me out here! Will I be fired? Will the police get involved? ANYONE KNOW WHATS GOING TO HAPPEN

Cut a long story short whilst at University I relapsed back to a previous mental health condition after serious issues with Student Finance which meant my loan was paid very late. University offered no help during the first term and Student Finance were awful lead to the relapse and meant I couldnt pay my rent as I had no money to live on. during latter portion of the year was unable to cope and stupidly buried my head in the sand. Received a claim form which was sent to my home address, about a week has passed which I found out about today (my dad doesn't usually open my post but thank god he did). I can afford to pay this academic year as my parents will be managing my finances whilst I get my head back on track but cannot pay it all immediately its over £5500 and I can only pay back £1500. For the profession I want to go into I really cannot afford to have a CCJ on my record, it will literally ruin the rest of my life. Is there any hope for me? Appreciate any help, I know I have been stupid by ignoring creditor but its very difficult managing finances and coping with a mental health condition at the same time!!!

Sorry Guys first time of using this so I apologise if its a bit of a ramble In 2002 I took out credit card with Cap 1 my credit limit went up to £1200 all was ok till around 2007 when I was at my limit but not over when interest and insurance payments took me over the limit I carried on making payments but now I was getting over limit fees as well as the interest and insurance charges. In 2008 due to the economic climate my employers cut all overtime and bonus payments to preserve jobs. I could not at the time afford to clear the over limit amount despite speaking with cap1 about the fees they were charging I was told I need to clear the over limit to stop any further fee so with a balance of approx. £1800 I stopped (poss. wrongly) payments as the actual loan amount must have been paid and the rest was just interest charges and insurance. in 2009 my account was defaulted with a balance of £2150 fast forward to 2012 when my account was sold to Lowell. they contacted me I sent a letter saying I do not acknowledge any debt. to them in my opinion the balance was charges and interest and insurance and I suggested they contact Cap 1 for payment I also requested copy of my agreement and a list of charges etc. I never received this. I would receive the occasional call from them I would say im not paying put any comments in writing I have now arrived home from working in Scotland to a county court summons dated 16 March from Lowell Solicitors on 2nd April I have sent an acknowledgement disputing the claim. I now have until the 14th to file my defence this is where I need your help do I have a defence? another prob I think I have is I have shredded all old paperwork its over 6 years old and I have changed bank accounts so I have no access to payments etc. you help would be appreciated even if its to tell me I need to pay up thanks

I am the owner of a car and my wife the driver. On 31/03/15 my wife met her friend on for a meal one evening and parked side by side with her on what they thought was a free car parking space at the side of the Croma Italian restaurant in Prestwich , Manchester. neither of them saw any signage and plus it was about 7:30pm in the evenings wasn't expecting to pay parking. Apparently there were signs according to excel? After now numerous letters from excel parking, zenith, rossendale (all ignored). We have a letter from BW legal - a final notice saying that as i have ignored the last letter offering a discount of £80 they now have been instructed to commence proceedings in county court if i do not pay with 10 days of the letter date . The letter is dated 9th may 2016 and I received it on the 14th may. The letter states i have to pay £54 excel costs plus £100 fine. - Remember i am not the driver (I'm the owner). I have never corresponded to parking charges before and they always stop after a year or so but these seem more "legal" and possibly I'm now entering a reality whereby they will take court action? Q. has anyone had this "final notice" letter and when or how did you deal with it?

Can anyone help, my daughter has been working for Costa since her 16th birthday September 2016 when she was issued her NI number with no issue, today she went into work as normal and was requested by the manager along with another staff member and handed a letter ( not on costa headed paper ) this is the letter. As discussed today, it has been brought to my attention that i have been acting against company policy by employing you before you have reached the legal compulsory school leaving age. As a result of this, i regret to inform you that i cannot continue to employ you at this time and am therefore issuing you notice to end your employment with immediate effect. I would like to stress that it is with regret that . I have to take this action and that this decision is no reflection of your performance. I would very much like you to re-apply to work with us once you have passed your official leaving age, IE you are old enough to legally leave full timr education ( even if you may or may not have chosen to stay on for further study ) As discussed, you will be paid 1 weeks full pay in lieu of notice and any accrued and outstanding holiday pay. Yours Sincerely Signed by the manager The actions of this manager was shocking, my daughter had no information and was handed the letter and told to leave the shop, no discussion she has asked for a copy of the company hand book and her request has been refused by the manager. My daughter is shell shocked the way this has been handled and not at any point was inform about this policy My questions are: 1, Can the company refuse to issue company hand book. 2, If they are terminating her employment have they followed the check process 3, By issuing the letter along with another person who was also told to leave, with no formal notice nor any discussion this must be breaking some tyoe of employment law. 4, Has anyone ever heard any such law relating to employing staff aged 16 Any advice would be very helpful as my daughter is upset the why this has been handled and is feeling :mad2:

Hi everyone, please be patient with me as i am new on this site. My partner divorced his ex wife a couple of years ago and it cost him over £1000 but at the time did not have more money to be able to resolve the financial side of things ie selling the property and a clean break order, so we spoke to a solicitor a couple weeks ago and she said that it can cost him between 3 and 5 thousand pounds to go back to court to sort out the financial side of things. we can't afford this kind of money as we dont have any savings etc, so we are going to attempt to do this ourselfs, the story is as follows and thankyou in advance for any help offered on here as we dont have a clue on what we are doing:-D... As mentioned he divorced her, she lived in the mortgage free property as they paid the mortgage off before he left her due to her drinking, her abusive and unresonable behaviour 8+years ago, he also did alterations and extension to the property before he left, they have a son together that also lived in the property with his ex wife up until over a year ago when she kicked out her 17yr old son and tried to get him done through the police for actual or grivious bodily harm, the police took the minor to court and she was basically laughed out of court by everyone as her allegations were unfounded and it turned out that she had smacked him and he tried moving her of him when she struck him but because she was severely drunk she fell and hurt herself, the child then went to live with my partner at the grandparents house, she has been harrassing with callls and messages for a number of months now wich has been reported to the police in the past and she got a telling off from them but she keeps doing it, anyway we just want her completely out of our lives now and my partner wants to sell the property that she is in still so that he can secure a home for himself and his son who is now 18yrs old . I went to the courts today and they gave me a CPR Part 8 claim for to fill in. My questions are: 1. Is this the correct form? 2. Are there any templates that i could follow to fill it in as there is not much space where it says details of claim. 3. The deeds of the property shows them as joint tenants and he is entitled to half of the house in theory, so how quickly and likely is it that he will get a house sale order? 4. We know that if the judge agrees to him having the property sold so he can receive his share we know that she will try to put prospective buyers off, so can something be added by the judge stipulating that she is not allowed to put prospective buyers off and can he be there when people go to view the property?. 5. Can we send a estate agent round to value the house as we dont have a clue how much its worth so we can add this to the claim. 6. We were also told that after this he has to apply for a clean break order so that she wont be entitled to any of his finances, pensions etc, any ideas on how we go about doing this? Any advice will be very welcomed as we cant carry on with this situation any longer she is making our lives a misery, we have even offered her mediation so that they can come to some form of agreement to sell the house but she point blank refused as in her eyes its her house and he is not entitled to any share of it!!!

My friend and her family need to move of out of the current rented property due to relocation of her company to North of England. If they do not move they will be unemployed. she sent the landlord a letter to say that they need to move and give them one months' notice. There is ample notice and they undertook the tenancy on the 13th last year. the 13th of April to 13th of May would have been sufficient. In fact she is giving one month’s notice as of today giving them 10 extra days. However, the letting agent has sent the following email asking them to pay for the whole year. Is this common? Can they do this? Your early response would be greatly appreciated. This is what the letting agency said: Quote The Landlord will agree to market the property with a view to releasing you early subject to the following terms: • You will remain fully responsible for the property, rental payments, utility payments and additional contractual obligations outlined in your tenancy agreement until the date that a new tenancy commences • You will cover the following costs on behalf of the Landlord associated with re-letting the property: - Inventory check in - Let fee of £354 (inclusive of VAT) - Agreement fee of £180 (inclusive of VAT) These costs are in addition to the standard costs associated with you leaving, i.e. professional cleaning and check out fee. Unquote

Hi please can someone help me. I was awarded a suspended eviction order on 9th November 2009. Whereby the judge ordered if I had to go again I had to go before him and He would basically chuck us out (due to me being there previously) That was dated until November 2010 - Will this be relevent now. Mortgage is with Santander. I have fell behind a few times since just before xmas, but ALWAYS made it up. I am up to date with my payments. And dont owe anything til end of September. My arrears currently stand at £856.71 I have been away on holiday, and come back to a Warrent for the possession of property. Eviction will take place at 28th August at 10.20am. Santander, phoned me in on 20th July - My payments where up to date. Requested I went through a income expenditure with them - right there and then on the phone. I was at work and requested they put the forms in the post. I promptly filled them in and posted them back. Santander say today that because they didnt get them & I defaulted on court agreement they either want the Full £856.71 or the House. Please help me Please help 1 small child and a pretend teenager. Reading through some of the other threads, people have been evicted for being up to date. Really starting to panic Forgot to say I do work, and can pay the mortgage. Just messed my money up a few times this year. But It was payed as soon as, And I am up to date

About 20 days ago a submitted defence on a debt catalogue as the solicitors and DCA had hot responded to my letters to supply CCA etc. I had acknowledgement from court and waiting for them to defend. I have received a Notice of propose allocation to small claims track from the court saying Lowell have defended and that the claim appears to be suitable for allocation to a small claims track I also have a small claims directions questionnaire asking me to fill in if i believe this claim is not suitable for small claims track and must do by 27/03. They send a copy of the agreement without a signature, nor date nor a box ticked? are trying to get a copy of Default notice and they are hoping we can sort it out without a hearing. want mediation. any advice on this? Many thanks,

Well first time ever i was stopped my police for no insurance, which was a shock as have been paying the policy and not missed a payment. The policeman was great showed me MID detail and yep states no insurance. Spoke to Autonet this morning and they confirmed the policy taken on December 2016 was live and all payments up to date, I asked who informs MID and was told Ageas not the broker. Now left in the dark as unable to drive my car waiting for replies and getting nowhere fast. Dont want to drive the car as the next policeman may just tow it away :-x:-x:-x Has anyone been in this situation before totally confused

Hi all, Today a bailiff turned up at our property over a parking fine issued to a car we had sold a few years ago. The car was sold to an independent trader who assured us the V5 documents he would send to the DVLA. It appears this was not the case and we received a parking fine from a different borough council. We advised them the car was no longer in our possession. now the Bailiff has been and is due to come back one day this week. The debt is £393 and as I am currently in receipt of benefits after losing a job before xmas have no means of paying this in full which I am told is the only way to stop them from taking property. Can anyone advise anything we can do to prevent this from happening?? Thanks in advance.

When a collection Agency or HMRC assess the ability to pay a personal Debt, do either have the right to assess taking the partners income into consideration. Background. My wife has Glaucoma and no longer has a driving licence . In 2013-2014 she started an embroidery business. This ceased trading in 2015 due to my wife’s eye sight. This was formed as a partnership with myself. Our personal income tax was filed by our accountant. Unfortunately a partnership return was not filed. I contacted HMRC on my wife’s behalf 16 times to try to sort this matter. They have records of conversations etc. They notified my wife of Penalties. Due to miss-information by HMRC (Wrong Forms etc.) we appealed this decision in January 2016. HMRC misfiled this appeal. HMRC told us to ignore any debt letters. 1st letter was received yesterday, so contacted HMRC immediately. This was a complete waste of time. They want me to send a new appeal out lining times and dates etc. We have not as yet contacted Debt company(£500) HMRC say she owes a further £1700. Because of her condition she does some cleaning (self employed) with a friend and earns £50-£60 per week. She pays a total of £12.50 in bus fares to travel to work . She has a credit card in her name with £5000 debt. I am self employed and income total of approx £300 per week inc Tax credits . I have approx £11,500 debt on credit cards & personal loan. I manage my debts and all the bills. We pay rent of £92.77 per week. HMRC have requested JOINT income details by Friday. Please Help.

Just trying to file defence for behalf of my otherhalf while away from UK on break. It is correctly timed by lowell to mis during the festive period. I dont know it might be last day to file it so need urgent responses please. it was issued on 22/11/2016 and i filed AOC I have already sent Lowell CCA and CPR request a week ago. I will try to attach PoC here otherwise i will type it Added POC PoC.pdf

I am a defendant in a fast track case. I have the other parties documents I requested copies of from their disclosure by list. There are other docs I know of the existence of and want the other party to disclose them as I think they have left them out because they will hurt their case. I have written to them requesting these be disclosed but have not heard back or received supplemental disclosure of these docs. I don't expect to hear back as they refuse to communicate with me regarding this litigation. I am planning to apply for a Specific Disclosure order and cannot find much guidance online on how to go about this. I want them to disclose specific documents, rather than to do an additional search as I think these should have been found and disclosed within the search they already carried out. There are 11 docs in total I want them to disclose. Some of the docs are mentioned by them in emails they disclosed, some are police records they can get through a subject access request, they have disclosed the Crime Ref numbers of these incidents and referred to them in letters they disclosed. My questions are: 1. What do I put in the draft order? 2. What do I put in my supporting evidence/information to support the application? 3. How do I refer to the places that bought these documents existence to light? Many thanks

Hi guys - really need some advice! I received a PCN for allegedly parking without a valid permit around three months ago, I foolishly disregarded this and thought nothing more of the matter. Imagine my surprise when I received the below correspondence - This is the first letter I have received with regards to this matter and was wondering how best to proceed?

Today I have received a Issue of warrant of control for debt to lowell from the courts ,it states a baliff will to remove goods call unless full payment is made by 22nd jan . I admit I have left this spiral out of control , but need advise please . I am a full time carer for my wife who has severe mental health problems/suicidal thoughts and multiple physical disabilities . Also my son who has severe autism has been having fits and I have been so worried about both my wife and my son and also suffering dizziness and anxiety myself have left this go , I did receive a claim form back in april , then in july was ordered to pay instalments of £50 a month , however my financial situation is that my wife claims employment support Allowance and is in the support group , she claims Personal Independence payment , the mobility payment being paid for her motability car ) the only income in my own name is £62 a week carers allowance, also back in January last year a budget sheet was compiled when contacting the national debt helpline of our finaces and we had more outgoings than income . The £50 a week set by the court has not been paid and I have buried my head in the sand so to speak due to all going on with my wife's mental health , and my sons fits ,now Ive made matters worse receiving the Warrant of Control . I havnt got the money to pay , and I cant allow balliffs in and this would cause my wife distress , and as she is prone to suicide attempts . Also severe anxiety disorder .ongoing depression and is on a lot of medication. , constant tremors Any advise please , I have alot of documented evidence of my wifes mental health from health care professionals . kind regards

I have no legal rep apart from my union rep who really does not seem to be helping at all. I received confirmation of a tribunal hearing date and three deadlines to supply information to the respondent. One was the 6th just past which asked me to explain my losses which i did......but that was not correct. It wasnt until i delved deeper i learned that i had to submit a schedule of loss. Now i filled this in with what i believed to be my losses, but my previous emplyers legal team have said that this was not correct as it does not contain any information on steps taken to reduce my loss (including any earnings or benefits received from new employment) now when i was dissmised (firstly simply because "it was not working out" and then when i challeneged this it was changed to gross misconduct) i was unempoyed for three months before i took my new job, i wasnt aware that that could be a loss. Please please can someone assist me on how to complete properly a schedule of loss...... ..their team have also said that my original email could not be accepted as the heading was "without prejudice" this was there because i simply replied to their email and that was in the heading. Now i sent this on the 6th and they have only responded to me today and said they may now not be able to meet the next deadline of the 10th because of this. Do you think it would be possible for me to ask them to grant a day extension to cover this. Hopefully someone can help as this is really stressing me and i have no legal knowledge.

Hello I hope you can help - I have someone who is a decent human being but has been put is a difficult situation. Someone else was helping him before but I’ve been called on-board as the other person hasn't got the time. He has been on ESA for a long time, He suffers from severe social anxiety, depression, body image issues and also post-traumatic stress due to many issues; most of which are childhood-related, whereas the traumatic stress (I believe) was relatively recent (5 years ago) due a severe facial injury that required intense facial- reconstruction; (were talking hours of surgery and many surgeons) He has been on a continual downward spiral since as he has no support network and his heavy drinking with which he has used to cope with his social anxiety! This has now culminated with him having a psychotic episode a few weeks ago that resulted him being imprisoned for 6 weeks on remand. He received a suspended sentence plus counseling for drink. No one was hurt, though I’m assuming the experience hasn’t been pleasant for anyone that was involved. I cannot stress enough that the person Is decent human being that hasn’t had the help he’s needed for years. His ESA was such that even wrote him off (never needed a tribunal etc) but since coming out of prison he has found that his ESA has been stopped. Im assuming it was because he went to prison the last amount paid into his account was june 6th! and nothing after this. He doesn’t have the skills to get it reactivated on his own! I have done some homework, and found that he is classed (still) as a remand prisoner as just being locked up from June 6 to approx 5-6 later! I believe from my own research (limited) that..... 1 There is a 12 week period within which the EAS can be re-activated / or linked) is this correct? 2 and that this means that there is not major/ substantial extra information needed to be sent to the dwp? And that it is merely a case filling in a new form and re-activating the claim? 3 However he hasn’t been in proper contact with a DR due to him slipping off the radar in terms of doctors notes (he hasn’t needed them for over three years, so you can imagine that someone who suffers from such conditions has simply let things continue!) will he need one now? 4 Or is it simply a case of filling in the correct forms etc? He has no money since coming out of prison- his rent was paid by housing benefit but the short-fall which was made up by himself with the ESA which obviously means the current situation is-not sustainable 5 he will not need to see Atos, surely if it is simply the case of linking the claim? In conclusion I’m unsure which type of ESA he was on but I’m sure it falls within the category of not needed to attend any support group. He hasn’t needed to supply an updated Dr’s note to Atos or the dwp. I have not phoned the ESA yet on his behalf as I’m not sure if I’m up to the task. But the idea is I would like to get the ESA up and running the way it was before, but obviously to try and get him some type of support group as well. Can anyone help? As the 12 week cut off period is looming? Thanks

-IDEM Services replied that debt is unenforceable as they are unable to provide CCA paperwork, but they refuse to release me from my financial obligations. (£2000) This debt does show my on credit file, defaulted 09/2001 Not sure what to do here, please any help info on next steps??? stop paying ? wait for it to fall off credit file? offer full & final???

Complicated story. My neighbour confided in me she just found out she is being evicted at 9am on the 11th Jan 17. She is 69, has long term mental health conditions and her affairs were previously handled by the court of protection for some 20 years. She is a leaseholder (66years remaining) of a flat within a house conversation, it appears from the paperwork I have seen the landlord has been successful in gaining possession and she is now being evicted by way of forfeiture. The original claim for forfeiture in 2014(?), which was withdrawn states for reasons such as no access, not washing windows, putting flowers on the window ledge. There has been ongoing disputes between her and the landlord, ever since as she claims they illegally required the freehold (Some 20 years ago) and she refused to pay a premium of 100k for a new lease, which cost them (the other two leaseholders) £2.5k to get the freehold. Her property in size equates to 40% of the building. This lead to them harassing her, failing to carry out their repairs and reporting that they thought she was dead and the police breaking in. She was sectioned under the mental health act ( a few years back), when she disclosed past incidents. For the past 18 months she hasn't opened mail due to her health and conditions. The mortgage company wasn't initially apart of the claim, but they have adjoined and appear have been granted some relief at some point. She has only realised, a friend insisted she opened up the mail and that when she found last weekend she is being evicted next Wednesday. I know she needs to complete an N244 but what should be included?, I have taken a copy of the guidance. She is not entitled to legal aid, because of the equity in the property and solicitors want up front fees, and/or short notice. Any help would be much appreciated. I have only had 2 hours sleep myself and have to wake up to 4 kids (one who is broken his leg), work, a meeting with my brothers mental health team who have failed him drastically and assist my neighbour, along with my own health issues. So I need to get some sleep, but will check in the morning for any advice on completing the N244 or anything else. I have quite a few of the court papers but need to scan them, which I hope to do tomorrow at some point. Many thanks for reading and I hope we can help her.

Hi First post here. I have an old debt with Egg from around 2000 for roughly £2900. I was on a CAB plan paying £1 token payment for a while at the time but stopped paying , I never heard anything for years and now Capquest own the debt . I think I might remember paying them £10 a month 3-4 years ago for a while but due to financial hardship stopped paying. Though I cant be certain on this as I cant seem to find any details at the moment. They have recently sent me letters again and have refered it to Drydens Fairfax who have given me to the 30th Nov to offer a payment proposal otherwise court action. Which means I`ll have to send them a ltter either today or tomorrow .What should I do , offer £5 a month or something or play hardball. I don't really want a CCJ as I already have one from Drydens at £10 a month for another card debt. I wish I had know of the Statute Barred act before I may(possibly) have paid Capquest 3-4 years ago as it was probably unenforceable back then. thanks Tired and Weary

When my husband died last year we were in arrears with our Council Tax. I went to the Council and an arrangement was put in place which I've adhered to. Until yesterday, no problem. Yesterday, two letters come through the post from Ross & Roberts addressed to my husband. They were pay up within 7 days or we will take you to Court letters. Being somewhat bemused by these letters, I had a vision of letting them take my husband to Court, me going to Court to "represent" my husband and asking the Judge if the Court could employ the services of a Medium so my husband could state his case from beyond the grave!!! Being serious now. Someone, has slipped up - badly. I don't know if this is the fault of the Council or Ross & Roberts and I'm not sure whose cage to rattle first about this but cage rattle I will. I haven't had anything from the Council themselves, just this DCA. I'm wondering if I can sue them for harrassment and causing distress. It would be nice to turn the tables on them for a change. Any advice welcome.