Hi floks, I think it's a reasonably simple issue (or so I hope). I have had set up by the property agency a direct debit for my rent of £800 from my account. It's been going smooth until today. The agency DD'ed the full amount - however, I'm moving out of the property 10th of this month. The agency, of course, knows about it as they have themselves informed me long time ago I had to move out as the landlord is sellling the property. I had in this bank account less than £800 so it shows right now that my balance is negative. I guess, it will have me incur, not because of my fault, various penalty fees on top of that. What next step should I take?

Hi Just looking for a little advice from anyone out there, My family has just moved out of a property rented for 2 years. The landlady has via her solicitor sent a letter claiming that we did not clean, meaning she spent £70 on professional cleaners. She also claims we have ruined the new carpets she put down at the beginning of the tenancy and not maintained the garden. She is looking to keep our deposit (£550) and then some to rectify the issues. Now we're not entirely stupid, we took photos when we moved in and photo and video footage when we moved out, so we can can confidently dispute her claims. The problem is that we feel at a disadvantage dealing with her solicitor, they have legal training and are obviously looking after their client. We have replied to the first letter letting them know we disagree and informing them that we have photos etc to back our position up. The solicitor has asked, quite abruptly, for us to send them copies so they can advise their client fully. Are we doing the right thing sending them the evidence? On the surface there doesn't seem in any harm in this, but we just don't know, it's all very confusing and stressful. It also appears from our search on the Deposit Protection Service that only £500 of the £550 deposit was protected, we asked the the solicitors about this in the letter and asked for the deposit ID, but they failed to mention any of this in the reply. Any advice would be greatly appreciated

Hi, I hope someone might be able to provide some general advice. I am trying to reclaim £450 in Platinum Card membership fees, I have already unsuccessfully been through their complaints process and they've sent me the FoS leaflet. 1 - I've had both a British Airways Amex card and a Platinum Amex Charge card (with flexselect credit) for almost ten years. The latter has a membership fee of £450, paid in December 2 - I hadn't actually used the Platinum Card for two years until April 2015 when I tried to use it to pay for a hotel abroad - declined, despite my statement telling me I had over £1000 of my £3500 Flexselect credit available 3 - I rang Amex, and they essentially told me that because I was a risky customer, they were declining to put through my charges. Yes, late last year I ran into financial difficulties and had problems making loan and credit card payments and this will have affected my credit file 4 - However, at no time did Amex tell me I can't use the card. There is no notification on my online account, and I have received no letters or phone calls, so this is the first I had heard of it 5 - In fact the card does work sometimes. It usually works for smaller (less than £20) amounts in supermarkets etc. Not always. Yesterday an £8 charge went through, today a £17 one didn't 6 - I wrote to Amex making a complaint asking that my card be downgraded to one of the free ones, and that as I had been sold a card I can't actually make full use of, that my year's membership should be refunded 7 - Amex has rejected the complaint saying I could only have a pro rata refund (which I guess would be £300 odd) and making me aware that they can basically stop me using it when they want as it says so in the Tcs and Cs I would now like to complain to the FoC. The basis of my complaint will be that Amex knowingly sold me a card membership I can't make full use of, and never told me that I can't fully use the card. Had I known this, I would not have paid them the £450 at the end of last year. I have two questions: 1 - There is £550 due to be paid next week, some of this is from the small purchases I have been able to make - public transport, small supermarket shops etc. The rest is from my flex select balance. I am in a position to pay this, but would there be any grounds for me not to, if I am disputing the account? Or would this make things worse and I should just pay up as normal. 2 - Because the Amex card seems to work for most smaller charges, does this in any way negate my complaint? The £450 membership is sold with various travel benefits, but as I discovered I can't actually use the card when travelling Any other advice of how I should approach this with the FoS is appreciated. Thank you for hearing me out, all being well I'll look to submit my FoS complaint in the next few days

Hello - can I ask for some advice please? I have found an almost complete set of statements from Sep 1998 to May 2002. It covers an Alliance & Leicester credit card now taken over by Santander. I have to say that Santander have previously been good within limits - paid out when statements missing and very quickly. Of course, we should never have been in this position to start with but they do seem keen to be seen to be doing the right thing, unlike many others. My questions are these: 1. Given that the start date is so long ago, if I went legal, the compound interest is likely to make the award much larger than using the simple interest method. Can you please point me towards the spreadsheet that would enable me to work out the likely award please? 2. Also, how long does court action take, typically? What I might do (as they are likely to make me an offer within the next 2 weeks) is to suggest a compromise settlement to avoid court action but need to know what the likely sum is to start that discussion I think. Thanks very much for your help

On 4 March I made an order with Virgin for an offer that was on to tempt previous subscribers back. It was for the Big Kahuna Movies and Sports for ~£66 per month for 12 months. We received the order confirmation and everything was great until it was installed yesterday. Last night I noticed that the movies and sports channels were missing. We received a second e-mail stating the the price was £49 + line rental, but never thought any more of it as it came to ~£66 (I'm saying approx as my partner is currently asleep and I can't access her e-mail). My partner rang up Virgin as the account was in her name and asked for them to be put on and was told that the price would now be rising to nigh on £85, but it would be discounted to £66. When I got home from work I had a look at the account and it's showing ~£85 so I rang Virgin. I stated that I had the a confirmation order e-mail, that included the sports and movies only to be told that "because it's not on paper it's not legally binding" and that they had no record of the request for Sky movies, despite it being part of the deal. Is this true, and does anyone have an e-mail address for someone higher up the food chain than the call centre, because they were completely unhelpful at best.

Hello, I'm wondering if anyone can help. I recently bought an HP Pavillion Laptop via Very.co.uk on buy now pay later. I've had it about a week but went to unplug it from the socket last night and got a big electric shock. i.e massive spark/bang, electricity went off in the whole house, and sore, tingly hand/arm. I contacted Very last night to advise them of this and they said to email them which I did, I received an email this morning telling me I'd have to contact their Customer excellence team. I forwarded the email straight away but heard nothing back. I then spoke to someone on twitter to query timescales and to ask who the customer excellence team were. They told me its the complaints dept and that it would take 5 working days for me to receive an acknowledgement and then a reply would be given after that. I said I didn't think that was very good service having to wait 5 days after having a shock from faulty charger. Eventually someone has emailed me with two options. 1. they will arrange collection of the laptop and charger and offer 5% discount, also reorder if required. 2. I can buy a new charger and send them the receipt which they will reimburse and also offer 5% discount on the laptop. Its likely that I'll return it and ask for a replacement as I need a laptop asap for uni work however I feel that they haven't addressed the fact I got a shock at all and a 5% discount doesn't seem good enough to me. I'm not sure what I should do, can anyone offer some advice? Thanks

I know this has been posted on Local authority & Traffic offences thread but big implications for private land enforcement - CCTV cameras who catch and send out automatic tickets to 'offenders' are to be banned. Interesting. http://www.dailymail.co.uk/news/article-2981794/10-minute-let-avoid-parking-ticket-month-new-law-let-overstay-meter-without-fine.html People power works!!!!

Hello All, Name of Claimant: Capquest Investments Limited Date of issue – 03 February 2015 Acknowledge By – 21 February Defence – 07 March - yes file by 4pm (Are my dates correct?)^^ What is the claim for – the reason they have issued the claim? The claim is for the sum of £8600 in respect of monies owing by the defendant on a credit agreement held by the defendant with Lloyds Banking Group under account xxxx Upon which the defendant failed to maintain payments. 2. A default notice was served upon the defendant and has not been complied with. 3. By virtue of a sale agreement between Lloyd Banking Group and the claimant, the claim vested in the claimant who has a genuine commercial interest. The defendant has been notified of the assignment by letter. Contact drydensfairfax solicitors What is the value of the claim? £9100 including costs Is the claim for a current account (overdraft ) or credit/loan account or mobile phone account? Overdraft When did you enter into the original agreement before or after 2007? Before 2007 Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Debt Purchaser has issued the claim Were you aware the account had been assigned – did you receive a Notice of Assignment? Yes 23/10/2013 Did you receive a Default Notice from the original creditor? 20 November 2008 Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? No Why did you cease payments? Financial Difficulty What was the date of your last payment? October 2008 Was there a dispute with the original creditor that remains unresolved? No other than excessive overdraft charges Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No I sent a CPR31.14 request to DrydenFairfax on 11 February 2015 Recorded Delivery I have disputed the claim and logged my intention on the Court Website 11-02-15 I had an Overdraft facility with Lloyds bank in 2006. Due to changes in my circumstances my borrowing began to spiral and the charges compounded the problem until it became unmanageable. I changed banking providers in order to get back on my feet. Although a number of DCA's sent letters and calls I always asked for CCA's which they could never seem to provide and they would disappear. However I have now been contacted by Drydenfairfax 16 January 2015 and a Summons followed which I received 06 February 2015. I do feel the charges were excessive and that is why I elected to defend the claim. I would just like some advice as what my next steps should be.

. . . . . .(see attached) emailed 21.1.2015 to all at BG Centrica, FAO: British Gas / Centrica - B Gas visits intended to harass; HR8 and UK Nationwide re. “job reference .................. B Gas / Face 2 Face” Warning of legal action - please read carefully Currently, the electric ppt meter holds a credit balance of £84. If you continue to have difficulties with this, you may if you wish outline these via email or by normal letter to me. You may also be aware that there has been a history of alleged criminal nuisance harassment at this address, courtesy of a gas fitter whose work is below the standard required by Gas Safe Register. (And, similarly asked to leave of course.) Inappropriate and badgering behaviour by BG and its minions via telephone or via attempted personal contact with me will immediately cease. You are also advised that BG do not have the presumed licence to trespass on my property. That is withdrawn for the reasons outlined. Further harassment via BG - more than likely commissioned by the gas fitter’s behaviour - will be dealt with robustly. If required, a legal claim will be considered against BG / F2F for compensation for nuisance and distress, along with the customary adverse media attention.

Due to Torie government cuts i lost my job and i have been shoplifting for a couple of years now to carry on trying to support my family as best as i can until i find another job. Sadly for me my luck ran out and I was caught shop lifting via the self checkout service in Tesco just before Christmas, i stole £93.67 worth of goods and police were called etc. I was fined £90 on the spot fine which i have paid. I recieved a letter today from RLP today asking for the sum of £147.50 which i will be ignoring as unenforceable etc and i have already paid the fine for my punishment to the police. I was banned from the Tesco store but i did not sign anything at all in the security office as the security guard didn't seem to have a clue what he was doing and it was actually one of the store workers who spotted me and alerted the security guard. Was i meant to sign anything at all in the security office to aknowledge anything/Accept that i am now banned from Tesco for shoplifting there? What will happen if i am caught Shoplifting again, say within a year? I am aware that i will be arrested but will it just be another fine via the court room or am i looking at community service as well? Thanks

Hi, after some advice and investigation on the Which website, we discovered that there's been some issues around self-certified mortgages. We sent a letter to GE Money using the template letter - I'll attach this. We've now had a response that GE Money didn't sell the loan, The Personal Loan Express Limited did and they are no longer trading, so we should contact their administrators. They then go onto say that the issue is 'time barred' because the loan was taken out over six years ago. Then finally they say the complaint is closed and to refer to the Finance and Leasing Association if we're unsatisfied and not to contact the Financial Ombudsman because it is outside their jurisdiction. They also sent a copy of the original credit agreement, which I will also attach. Any advice of next steps to take would be hugely appreciated. The loan was taken out to consolidate debts but there was no checks done on my father's income which now due to ill health is non existant and no checks to ensure that it covered all the debts to be affordable.

Hi All, I have two mobile phone contracts with EE and both are insured. I lost them on the night of Thursday 1st Jan and made a claim on the 2nd Jan. The insurance is through a third party 'Lifestyle Group'. I was advised my claim required me to fill out a Claim form which they emailed me later that day. I then called up Lifestyle Group and asked an agent if it would be ok for me to sign the form using an e pen to save me having to print and scan the form, i was advised as long as the signature looked like my signature there would not be an issue. The claims process takes 3 working days and can take longer for complicated claims according to Lifestyle group. After 3 days I had no contact so I called to chase the claim and was advised I needed to sign it using a pen after printing and my claim required more info and they had sent me a letter. I asked why I wasn't called or emailed as per the instructions I provided numerous times and they advised me they tried but couldn't get a dial tone. This is a total lie, my phone was working and I was waiting for the call. I re sent the claim this time with a signature after printing and scanning and also complained to the CEO of Lifestyle group I also included senior staff from EE and Allianz (the UW). The CEO replied saying the matter would be investigated and complaints are taken seriously etc. I was then contacted by someone from customer relations who said she had listened to the calls and at no time was an e pen mentioned and the claim was with the assessment team and they couldn't provide any timescale whatsoever. I explained on the second call the advisor had not been through my details so the call would not be logged on my account and as such without listening to every call on that day how would they be able determine if an e pen had been mentioned. I then chased them up today and the customer relations team advised the claim was still with the assessment team and they could not provide any time frame for a decision. she also offered me a £20 cheque as redress for the e pen issue and said it was because I feel misled and they weren't able to trace the call. I am thinking of sending a follow up email but I have now been without a phone for a week, is there anything I can do? Can a insurance company say we can take as long as we like??

I am part way through a claim for Psychological damage in the workplace, which is being funded via a CFA. I have seen one expert witness, whose report was very favourable to me, with regard to the cause of my mental health. The defendants have now requested that I see an expert witness appointed by themselves, which is due to take place shortly, and I am happy to do so. The mental health team, who have been working with me for the last 3 years, are confident that the 2nd expert witness will not find an alternative reason for my illness, either via my medical notes or discussion with myself. I was rather surprised to receive a letter from my solicitor, suggesting that he makes an offer to the defendants under Section 36. This offer would be for 60% of the lowest amount which I would be likely to be awarded if successful in Court. At this stage, I had not anticipated that we would be offering a low settlement figure, as my solicitor had indicated that we have a strong case, with paperwork and witness statements from colleagues to evidence what happened. My own thinking is that it is better to wait a couple of weeks for the 2nd expert witness report, as this is likely to strengthen our case. As this case is funded via CFA, do I have to agree with the action proposed by my solicitor, or risk losing the CFA funding? Thank you.

Good Afternoon All. I was really looking for some advice on way's I can move forward with the following situation: My partner, son and I live in a housing association property and pay £870 per month for a 2 bedroom house. As of February 2013 I had to change jobs due to my previous company making redundancies and jumped into the next suitable job for financial security purposes etc. I went from a 30k a year salary to 23k per year and my partner takes home roughly £650 per month as she works part-time due to being the primary carer for our son. Unfortunately as we both have bad poor credit scores we need to use payday loans to help us get throught the month but now are in a situation where we are taking them out to help with living and the cost of rent! Each month we are needing to pay back the previous loan and take out another one and the amount with interest has gradually increased as we have needed slightly more each month as we are loosing a lot of money in interest. The problem we have now is that the maximum loan I can take out just about covers the rent but we'll have nothing else to live off of for the month. I'm not too sure what to do with this one, I don't want to get into rent arrears or have a payday loan we can't pay back, especially as I can't imagine them being that flexible. Is there any support or advice out there to help manage housing association rental arrears as I don't see any other solution to get us through the month then to pay less on the rent? Unfortunatly there isn't anyone we could ask to burrow the money from. Thank you for your time.

To my dearest CAG friends, I hope you are all well. It has been a lifetime since I have been on here for advice. I have some very dear friends (Mr & Mrs W) who are in desperate need for some help. A DCA, MKDP LLP are chasing funds (of less than £1000) for a credit card balance. Reading through their paperwork (in my limited knowledge) Mr & Mrs W may not have followed the procedure correctly in replying back to court documents. Let me give you a brief overview. Debt was assigned from HSBC to MKDP LLP on 13 March 2013. Mr W requested a copy of the signed agreement from them. One year later (12 March 2014) an ineligible copy was finally sent through which was a copy of opening a bank account not a credit card. 29 May 2014 Claim form received from Northampton County Court Business Centre POC reads: The Claimant claims the sum of £xxx.90 being monies due from the Defendant(s) to HSBC Bank plc under a bank account facility regulated by the Consumer Credit Act 1974 and assigned to the Claimant on 13/03/2013. The Defendant(s) account number was xxxxxxxxxxxx. It was a term of the bank account that any debit balance would be repayable in full on demand. The Defendant(s) has failed to make payment as required by the statutory default notice served by HSBC Bank plc. The Claimant claims the sum of £xxx.90 and costs. The Claimant has complied, as far as is necessary, with the Pre-Action Conduct Practice Direction. They did not complete the AoS instead they replied with a letter dated 14 June 2014 with the following: Dear Sir/Madam, With reference to the above, I can see that there is nothing for the Court to deal with as I have said that I would be happy to pay upon proof of the debt which MKDP LLP have failed to provide. 16 July 2014 Mr & Mrs W received Notice of Proposed Allocation to the Small Claims Track which said the following: TAKE NOTICE THAT 1. This is now a defended claim. 2.It appears that this case is suitable for allocation to the small claims track. If you believe that this track is not the appropriate track for the claim, you must complete box C1 on the Small Claims Direction Questionnaire (Form N180) and explain why. 3. You must by 4 August 2014 complete the Small Claims Directions Questionnaire (Form N180) and file it with the court office and serve copies on all other parties. 24 July 2014 Mr & Mrs W received from MKDP a copy of their Directions Questionnaire where they requested Settlement/Mediation. 6 August 2014 Mr W received a General Form of Judgment or Order They had failed to file the Directions Questionnaire with the courts. They duly completed one on the 13 August and hand delivered it to the Courts. 16 Sept 2014 Mr W received a phone call from the Mediation department. Mr W disputed the debt saying he was waiting for a copy of the credit card application. Mediation department said they would go back to MKDP to request said form. MKDP told the mediation department they were in possession of a document with a date stamp (1996) which did not require a signature from the bank. The conversation ended with a 'see you in court.' 26 Sept 2014 Mr & Mrs W received a Notice of Transfer of Proceedings stating to all parties, This claim has been transferred to the County Court hearing centre listed below for allocation. On receipt the file will be referred to a procedural judge who will allocate the claim to track and give case management directions. Details of the judges directions will be sent to you in a notice of allocation. 12 November 2014 Mr & Mrs W received a General Form of Judgment or Order stating: Before District Judge xx sitting at the County Court... UPON considering the file and there being nothing like a defence document filed IT IS ORDERED that:- 1.The defence is struck out 2. The Claimant may enter judgment forthwith without further order 3. Any party affected by this order may apply to have it set aside or varied or stayed such application must be made within seven days after the date when this order was served on the party applying. Dated 20 October 2014. Mr & Mrs W responded with a letter dated 19 November 2014 stating: With reference to the above judgment I am requesting this be set aside. The Notice of transfer Proceedings dated 24 Sept state that I should have received a notice of allocation, of this I have never received. It would appear from this last document that I should have submitted a defence document, this I was totally unaware of as this is the first time that I have been in this situation. Could the court advise if this situation could be resolved and if so what action is required of me at this point. 24 November 2014 Mr & Mrs W received a letter from the courts advising they need to complete a N244 form within 7 days which is where I am asking for help. I feel so sorry for them as they should have asked for help. From the mediation it has gone straight to judgement. As such, please could someone advise how we complete the N244 form to help them with their case. It must be completed asap. Thanks so much Big hugs x:)x

I was contacted on 13th October by Experian who informed me that they suspect an imposter had applied on-line to view my credit file. After a long discussion with their helpdesk I find out that the fraudster answered 2x security questions incorrectly but was still granted access to my full credit file. One of these questions was my DOB - REALLY !!!! I can not believe that full access was granted even though something as fundamental as my DOB was wrong !!! This individual has subsequently gone on to apply for credit and purchase items from many telecom suppliers, some on my account, including EE, Vodafone, Carphone Warehouse and O2. My Vodafone bill is currently over £1500, (Normally £16.00). Yesterday I was told that Apple Online had delivered £1200 worth of goods to my address and it was likely intercepted by the culprit before the delivery man made it to my door!! John Lewis is another store where a Credit card has been applied for in my name !! The effort and time involved in resolving this situation is huge, not to mention the stress and worry whilst the criminal aspect of the situation is dealt with. My credit worthiness will no doubt suffer as a result of this Although I can not hold Experian fully responsible for the actions of this "low life", I do feel they are responsible for giving him easy access to my details. What is the point of having security questions in the first place ????? I have sent an email complaint to Experian but heard nothing yet. I would appreciate any advice you can give regarding how best to deal with my stressful situation. Thanks in advance Nick

Has anyone else experienced a problem with international transfer security questions? it looks to me as if the call centre in India is making up they own questions without reference to the actual customer. The information is not coming from the customer - it appears to be gleaned from credit databases I would question the legality of the this. It also makes it nigh-on impossible to get the security questions right - especially as the information they have is INCORRECT.

We bought a BEKO fridge / freezer that comes with a £100 cashback deal. One of the reasons that swayed our decision from another similar different brand fridge was the cashback offer. They have a form you fill out on their website to claim. But when you fill it out and press submit, it refreshes the page and everything is blank again. No messages, no emails or anything from them. We filled this out 3 times on different browsers and computers. We have contacted them on the contact form but no answer. It seems that they don't want to give cashback to people. Whats the best route to go down with this? Edit: I've emailed the CEO and will update here if I get a response.

I was told to post on here with regards receiving money back from a [problem] company? My bank say it was paid a couple of months ago as a one off payment to the same bank (as mine) so its all within the same bank branch/company I even have the bank details/sort code etc Is there anyway internally this can be retracted? I know this was a couple of months ago now, but the bank looked into it (hopefully) but they then said it wasn't really possible? Is there something called "Continuous Payment Authority" which I could get back my money?

Hi, I'd really appreciate some guidance on the following: I've requested an SAR from Lloyds TSB a couple of weeks ago and yesterday, I received a letter from LTSB requesting a signature and completion of a Data Subject Access Request Form (4 pages of pointless questions as far as I can see). Tackling the form first, can I politely tell them to stick their form as I have already given them ample information in my original SAR letter with the £10 postal order and remind them that the clock is still ticking? Regarding the signature, I can go one of three ways: Continue as before, with a printed name only and enclose the template signature letter. Use the CAG Anti-Tamper signature. Get a mate to sign my name for me. Any advice on the above would be much appreciated. Ta, Krysp

Hi All Had the claim from Northampton court from the above. I saw an earlier CP 31.14 letter so I have got that ready to go. Day 10 will be 2nd may so will submit AOS online then. do I send the letter now or wait until I register the AOS? thanks

I, along with my wife and at least a dozen other trainees, have recently learnt that our online / distance NVQ /QCF assessor trainer has closed leaving us all at different stages of our courses. This training centre was clearly going belly up for months as the standard of feedback and communication was appalling. We are self-funded, some over a thousand out of pocket and unfortunately apparently unknown to the Awarding Organisation (AO) as we had never been registered with them. So the AO's Duty of Care will not extend to re-allocating us to new trainers. Some trainees have completed but were awaiting their certifcates, others like me were less advanced and awaiting feedback on worksheets. Does anyone have a definitive answer from their experience that those of us who paid by Credit Card will get our money back as it is a Case of Breach of Contract ? We are querying with our banks but it is still at the 'investigation' stage ...the banks awaiting feedback from the dodgy s**t. One trainee tells us that their bank verbally replied that, having been given eportfolio access and setting up an account, that the trainer has therefore fulfilled their contract - so the bank is not liable under section 75. But we all assume that we were paying for a full course of training, that included feedback - not just a password !!! The point being, if we know our dosh will be returned at some future date, we can sign up with new trainers, pay them and finish our studies ...

Bank customers will be able to make payments via mobile numbers from 29 April, the Payments Council has announced. Customers will also be able to register for the new Paym service - pronounced "Pay Em"- from Wednesday 2 April. http://www.bbc.co.uk/news/business-26836380 Paym explained Paym allows customers to make secure payments to account holders of other participating banks or building societies using their mobile number. It keeps customer account details safe by using a mobile phone number as a substitute. Put simply, if you are in my phone’s contacts list I can pay you straight from my bank account to yours quickly and securely anywhere and at any time of day. I don’t need to know, or remember, your sort code or account number; I can just select your number from the contacts list on my phone, or enter your mobile number. This is the first service in the market which has the potential to link every bank account in the UK with a mobile number. http://www.paymentscouncil.org.uk/mobile_payments/paym_explained/

Hello, I have recently changed my name via Deed Poll. I want to tackle my debts atm. I notified my bank so they will most likely amend my data with all the CRA. Do I need to notify any of my creditors/dcas? And how to be sending CCA/SAR requests as from now? Just print my new name or add in the text previous name?

Hi guys, These morons are chasing me for a alleged debt from 7 years ago, that is SB'd now and has never had a CCJ against it. I've sent them the SB letter from the templates on here by recorded delivery and they've signed for it yesterday. What do you think their next move will be? Will they just give up now or are they likely to keep asking for this alleged debt? also will this affect my credit file now? Thanks