Hi all, need some urgent help please, have been asked to post here by suggestion. Noticed CCJ issued on my credit report prior to applying for mortgage. Found out that it is for PCN issued on 12/11/16 by PCM UK LTD in Academy Central Development. Passed onto Gladstones and onto DCBL. I recall this moment where I parked near my friends apartment and was not aware of signs or did I know I needed to pay. I did not update my DVLA or V5 until recently which is very stupid of me. I moved out of my apartment on 01/12/16 to temporary accommodation. 01/03/17 I moved into my permanent apartment, all utilities etc set up since move in day. Never went back to collect mail at my old address. Default Judgement passed on 16/06/17. I have no trail of any letters at all to date. DCBL are requesting I pay debt of £353.53 and they can mark the file as satisfied. However, to me this is same as having CCJ and this is not an option I will accept. I genuinly was not aware of this situation otherwise I would have resolved if I knew about it. I can prove via my statement that I had money to pay PCN. Below is the information that I have collected :- 1. Court Case reference number 2. PCM UK - PCN reference number 3. DCBL reference number and amount owned (£353.53) 4. Gladstones reference number 5. Images of vehicle from evidence & sign (attached) Out of panic I have directly called DCBL, Gladstones & PCM asking how I can settle, not sure if this was right thing to do. What are my options and next steps to have it removed off my file completely? I do not want it to sit on my file for 6 years, even with satisfactory? I need to resolve this as soon as possible as I have made a house offer and now cannot get a mortgage. Look forward to your advice and any help is very appreciated! Best wishes Mindaugas

hi all . my job center adviser as just referred me to the work academy. im nearly 60 yrs old .ive done the 4 weeks m.w.a . also finished the work program. i am doing some volunteer work for bhf. which i am going to stop now, now shes sending me on this ,does any one know how long it lasts for ,and what it entails. as i didnt take much in as we were both shouting at each other.thanks.

hi there people has anyone been on a sector based work academy before?

I recently received a overpayment notice of Working Tax Credits which were stopped some time back with the only explanation of "change of circumstances". This is the first time I'd actually been receiving Working Tax Credits. I thought that I'd "used up all my credit" and that the payments has stopped as they had "ran out". I called HMRC to query this and all they could say it that they were informed I was no longer working for the same employer. Only since, I've been able to work out that the payments stopped around the time when the school I work at converted into an academy. We were told nothing would change jobwise, financially etc etc and nothing did as far as I was aware. So now it looks like I've missed out on quite a few months of Working Tax Credits and have been hit with a bill where they paid it before the county council appears to have told them I no longer work for them. What really gets me is that it's the same county council who is handling all the pay & wages still! I've asked the HMRC to send me an appeal form as, as far I was aware, nothing had changed for me: I was still doing the same job at the same place for the same salary (being processed by the same department) and informed nothing else would be affected. Is there anything else that I can do to support my case? The way I see it is that I was not informed the specific reason why it was stopped and it was something "out of my hands". There was no indication that I would have to re-apply due to the school changing over. Any help would be gratefully received as it's the first time I've claimed Working Tax Credits. Thank you.