Hi Husband restarted work 13th March informed ESA they did not acknowledge. So filled in Carers online form on 28th because, we could not get through on the phone. All was good and payments stopped on 16/04 as Esa still hadn't responded we were happy at least CA had completed to paperwork. CA sent a form to complete to see if my husband was still entitled however as self employed we had no info to put on form. so... Finally ESA after 3 recorded delivery letters updated the info and they were given earnings paperwork. We then had info to give to CA called them and explained ESA had only just completed paper work and now we can fill in the form and were able to send the information they required. They said don't worry about date to respond on letter just fill it in and send it back. So we sent payslips and all we had from the accountant earnings (the same paperwork given to ESA. Child tax credit was updated too with no change to entitlement too. Then received a letter 2 days ago from CA to say we did not inform the that my husband was no longer caring for me and why did we not tell them of the change in circumstances. ??? We did inform them of change in circumstances (my husband still cares for me and that's never going to change) the only thing we needed to confirm was earnings??? We have to respond to this letter but what can we tell them that we haven't already told them. I think we should just write "this is wrong we informed you on 28/03 and enclose the acknowledgement email received when we completed the online form" Any insight into this nonsense? Confused OSW

Hi I am looking for some help in identifying what the correct default date should be on an old debt from Barclaycard. I went into arrears on a Barclaycard account during 2011 and the debt was transferred to IDR/Link Financial Outsourcing in March 2012. There was no default issued to the credit reference agencies by Barclaycard before it closed the account and transferred it to Link, who subsequently registered a default in September 2012. However, having gone through old paperwork whilst preparing a CCA request, I have found a default notice (section 87(1)) from Barclaycard (via Mercers) in December 2011, i.e. before it was closed and transferred to Link. In addition, I also received a default notice from Link in September 2012, just before they registered one with the CRAs. The default is still on my files and is due to drop off this September. I believe the correct default date should be the December 2011 one, as that is when Barclaycard sent me a default notice and 3 months before they closed the account and sold it to IDR/Link. By September 2012 I had also been in arrears for around 1 year, which I think is too long before a default should be registered under ICO guidelines. However, I am not completely sure and have the following questions: 1. Must the creditor register a default when they issue a section 87(1) default notice? 2. Can the debt be sold to a third party DCA without a default being registered? 3. If yes, can the DCA subsequently issue its own default notice and register a default? 4. Related to questions 2 & 3, can I be issued with two section 87(1) default notices (I am aware that it is not allowed to register a default twice but not sure if this is the same thing). The debt is not settled. Clearly, if I get the default changed to the earlier (and I believe correct) date then it will drop off my files. Any help gratefully received.

i have a defaulted loan of 2k with 1st credit. one of 2 debts left that ive not done the business CCA with yet. they are a bizarre DCA. Ive had no issues with them but i get friendly "offers2 from them" now and again. they have offered a 50% reduction (which i cannot afford) on the account. are Everyday in trouble as per cattles or are 1st cred in the wotsits??

Why is recycling such a confusing issue ? For the full story: http://cag.tw/26n7 I am horrified at the reports regarding plastic specifically and the damage it is doing to wild life and the environment. Why can we not be given clear guidelines rather than being threatened with not having our bins emptied or fines. Whilst common sense should make one see that you dont put contaminated paper/plastic in for recycling, it is still very confusing as to what we can and cant put in our recycling bins.

Hi REGARDING SECTION 8 OF THE BUDGETING LOAN FORM there is some confusion regarding what is needed to be filled in if you are filling it on behalf of someone? can anyone help? it states:- have you filled in this form for someone else? NO (go to part 9) YES please tell us about yourself Please tell us why you are filling in and signing this form for someone else TICK BOX I am sending a letter by the claimant with this form, the letter tells you that they agree to me making the claim for them NOW SIGN THIS FORM IN PART 9 TICKBOX i am their appointee TICKBOX i have power of attorney TICK BOXES FOR NAME ADDRESS AND DATE OF BIRTH The form is made out like the above. My point is that according to the form if i tick the box 'I am sending a letter by the claimant.....' it tells me to go straight to part 9? if i go to part 9 then i assume i DONT tick '-+++I am their appointee' OR i have power of attorney' ? and therefore i DONT put my name or address or date of birth? I'm assuming you only do this if you are either appointee or power of attorney (as i am neither anyway?) i actually DONT want to give my details anyway as i am just helping a friend. finally to confuse matters further on page 9 it states sign here if you are claimant or appointee. Can SOMEONE confirm i DONT have to put my name or address. I just have to provide the letter signed by the person claiming?

Hello, I am having some issues with Lowell about a JD account. They have been hassling me for a debt, but the figure is much higher than it should be. I wrote to them and said that the figure is wrong and that I am waiting for JD to reply to me, Lowell said this to me: I appreciate that you are awaiting a response from JD Williams, however as previously advised, they are under no obligation to respond or to provide a figured owed. This is because Lowell are the legal owners of this account. If you wish to dispute the balance of this account it would need to be done directly through Lowell, which is something I would be happy to do for you. I thought that JD DID have to answer me about the balance? I feel a bit bullied at the moment as silly as that sounds, as they send so many letters, but I don't and can't pay the larger amount they are requesting. Also, I know that JD added a lot of £12 fines for late payments and admin charges etc, can I legally ask them to remove those? I am not sure what I should do.. Any help would be greatly appreciated..

I regularly check my credit report with Equifax, Noddle and Clearscore. I moved house over seven months ago and transferred all my bank account details to my new address. I am on the electoral register at my new address and I removed myself from the register at my old address. I did this months ago so all should be fine. However, my Equifax credit report still shows me living at my old address and says I am not on the electoral register at all. My Noddle credit report shows my old and new address but also says I'm not on the register at either address. I have written to all three CRA's telling them of my new address. They replied saying they can't change my address until I am on the electoral register at my new address. What on earth are these CRA idiots up to? Given a name and address I can easily and quickly find out if a person is on the register at that address, so why can't the CRA's? When I moved I changed over my energy, telephone, internet, water, driving licence, amateur radio licence, and council tax accounts to my new address. However according to the CRA's I don't live at my new address. I am therefore of the impression that CRA credit reports aren't worth the paper they are written on. Incorrect information is worth less than no information.

Hi, I live with my husband, we are both self employed, I had a baby in September and receive Maternity allowance. I was also receiving Working Tax Credits and Child Tax credits, around £80 per week. My husband is currently quiet with work so we asked the council for rent help, they told us they can no longer help and we need to apply for universal credit. We did this (horrendous application system!) and in the meantime our working and child tax credits stopped, we were never informed this would happen, i wish i had just left it as it was. We were relying on that money and now it has just stopped! We both had a job centre interview yesterday which is part of this ridiculous process and my husband has to go back yet again with business details. He only earns around £5000 per year , they basically want to see if it is worth him running his business, if he earns enough, if not they will make him look for other part time work - how on earth can he do that around a self employed business that is on demand (ie it depends when his customers want him!). This is all if we want to claim universal credit. So, i assume they will say he does not earn enough and will have to find other work....we do not want to do this so my question is, if he says no to looking for other work, will we just get no help....even with a new baby. Am i correct in thinking that £5000 per year approx will not meet their requirements? Just wanted a little bit of advice before we see them again. The whole new system is ridiculous, i have worked and paid tax all my life yet when we need a bit of help we have to fight for it, yet people who dont want to get a job, try their hardest NOT to get one, receive all the help there is out there!!! Any advice appreciated

Hi All My partner received a windscreen ticket for parking in a disabled bay. As per the advice on this forum, we have waited for the NTK, which arrived 34 days after the ticket was put on the windscreen. I am planning on writing for a POPLA code but wanted to clear up a question I have on the POFA Act 2012. Under section 8, which (as I understand it) is the section applicable if you have a windscreen ticket, the act says: (4)The notice must be given by— (a)handing it to the keeper, or leaving it at a current address for service for the keeper, within the relevant period; or (b)sending it by post to a current address for service for the keeper so that it is delivered to that address within the relevant period. (5)The relevant period for the purposes of sub-paragraph (4) is the period of 28 days following the period of 28 days beginning with the day after that on which the notice to driver was given. Does this not mean that the notice to keeper must be received within 28 days starting from the day after the windscreen ticket was received? It's just that advice elsewhere says that the NTK must be received within 28-56 days.

Hi, I'll try and explain this as best I can, last December (a week before Christmas to be exact) we had a visit from 2 high court enforcement officers (their ID was on a laminated card) they said they were from court enforcement services and were acting on behalf of NPOWER for an unpaid ccj that has been transferred up to the high court and they were here to take payment or sieze goods which I think they said was to the value of £2563 - odd, ( we said you can see we don't have goods to that value anyway and they agreed) at no point was any paperwork produced to break down any of the companies fee's or anything or any high court writ produced. Now as it was Christmas and my husband was a bit panicked that these people had turned up and put him on the spot he told the officer he'd pay £150 a month on a certain date (which is completely not do-able in our circumstances with 5 children and myself not working and he shouldn't of offered to pay that amount in the first place), with that the officer said ok i'll text you the agreement when I'm outside in my car and let you know the account details and remind you of date to pay etc and it was exactly that a written text saying reference number - Automated line (number) account number: sort code: total amount £2563 instalments on .... every month I was upstairs keeping the children away at this point and came down to find he'd offered to pay £150 every month, I asked if there was any paperwork or anything which there wasn't. he paid £150 for 2 months, we're currently paying off a fair few debts and it put us under so much strain we could barely pay the rent! we researched a few things online and got mixed messages about high court writs , this company in particular what powers they had exactly , my husband rang the company up explained what had happened and said we'd paid 2 months but we have no paperwork to see where the money's actually gone, no evidence of a high court writ, no paperwork to say if any fee's are to be added literally nothing but a bank account + sort code! they told my husband they would email it over, twice he made this phone call and twice told the same thing with NO EMAIL actually arriving. I decided we'd stop paying as we could be paying anyone without any paperwork. January was our last payment yesterday they decided to turn up again (I know with high court they don't let you know they are coming anyway) when we asked for some sort of paperwork to prove this writ existed one of them pulled up a picture on their phone and zoomed in on a stamp they say is from the high court and said this is your writ and there is the stamp. One officer in particular was really agitated when we kept questioning why we had no paperwork to prove where the payments were going, saying they don't need to provide paperwork we are just to pay it as it's an order from the high court , he told my husband to be quiet whilst HE spoke (now my husband is as polite as you get so wasn't being rude or anything) but we were promptly spoke over when we were explaining what we wanted to know. They said we are lucky they haven't charged us for this visit or the first one as they have come from London to the south west . Also mentioned was the fact if we didn't pay Npower could apply to make my husband bankrupt. whilst i've spent most of my night researching various options to stop these people coming back as i'm not paying without any paperwork with breakdown of fee's etc we'd really appreciate any advice or pointing in the right direction of what to do next and how to handle the situation. my husband is ringing the county court this afternoon to double check the status , do we also ring NPOWERS legal dept and see what they've got to say (again the officers said to ring them too) Thank you.

I have a charge order placed on my house by Bristol & Wessex Water for £1800. They recently sent me a letter stating that if I don't pay the full amount they will be taking legal action and apply for an order for sale. I then will be sent an order to vacate my property within 28 days. My house is owned outright with no mortgage and currently valued around £200K. I am living on a small private pension with no chance of paying back the debt. I went to the CAB who told me that I will end up homeless and living on the streets as there is no social housing available for single men. The Water company placed a CCJ on my credit record so it's impossible for me to borrow money to pay back the debt and keep my house. I could never understand why there were homeless people on the streets, but I do now. I will be joining them soon. What an idiot I was buying a house. If I had a council house I would have nothing to worry about and a safe roof over my head. I know a chap near here who lives in a housing association bungalow. He owes banks £73k and will not end up homeless. Comments welcome.

hi all, hope you can help. My mum is sight impaired and receives enhanced rate PIP for both mobility and daily living. She is fiercely independent and is still looking to work, she claims income based JSA and receive 2 disability premiums. Her DEA at the jobcentre has said she should be claiming the 3rd premium as well BUT she is confused about the eligibility criteria. Her home is on a joint mortgage with her brother in law (and sister but only BIL on mortgage) and she receives council tax support on her half of the council tax. As a joint owner my uncle is on the council tax register/electoral roll and pays his share from a joint bank account they have for house finances (mortgage, CT, maintenance costs etc). My parents divorced many many years ago and my aunt and uncle bought out my fathers share of the house so my mum did not lose her home. The fear she has is that although she lives alone, I stay there for maybe a week a month with the kids, (she lives in a fairly rural community) and my aunt and uncle stay a week or so every couple of months. Will all this be interpreted by the DWP as not living alone. I admit from an outsider it probably looks dodgy lol, but mum is straight on the line for these sort of matters and says she will end up in prison for fraud if she fills the form in. Any help please

I have a few queries that I hope people can help with 1) Can a party ask for Additional Information - if a Claim has not yet been allocated to a Track. Can a Court allow Additional Information - if claim not allocated? 2) If other case management issues are held the same time as a Strike Out application wouldn't that prejudice the Strike Out? 3) How long after the Directions Questionnaire should Allocation take place? 4) In Discrimination cases are Assessors needed for a Strike Out - as this could be Final Hearing. Thanks.

I am confused here. I am currently being persued for a previous HP debt which in fact I am making payments for but I dont have the car which is a different story. I am concerned that one day my new car will be clamped even though it is on HP. It seems that when you look at web advice...some say it is protected and some is not. So...if I have a vehicle on HP: Can it be clamped. Can it be removed.

I am mightily confused. I have been signing on for 12 months, at the start of my claim I signed a claimant commitment stating I will do X number of steps each week to find work, IE look in papers, ask family and friends, use UJM etc. I completed my job search online and always filled in my activity history on UJM, ensuring I recorded X number of steps as required in my claimant commitment. Part way through the year I was told not to use UJM instead I was given a paper template to fill that stated I must do 35 hours job search per week, this had a section to fill stating the time each task took. Some time later I was issued with a pie chart diagram which showed different activities I could include in my 35 hour job search. Now I have been given another paper template form which states I have to apply for and record 10 vacancies jobs per week. What the heck as happened to my claimant commitment, no where in that did I agree to a 35 hour week job search nor did it state when I signed it that it was a requirement. Secondly, I would never agree to applying for X amount of vacancies per week , what if the only suitable vacancies are ones I have already applied for. And now they have just reissued me a new claimant commitment to sign which is basically same as my old one except they have added “ engage with the work program” Can they enforce this 10 job application rule and what is in place to prevent me from just jotting down bogus applications. Obviously I am fulfilling my claimant commitment still but as there is no actual way to record that activity any more am I even obligated to carry it out. From what I can gather the 35 hour per week is only a suggestion and not enforceable as long as client shows they have took reasonable steps they cannot be sanctioned but I cannot find any info at all regarding the 10 vacancies per week.

I have moved into my property 3 years ago and really should have moved to another supplier before now as I have had nothing but trouble. To cut a long story shirt, when I moved in I called up to notify them of my details and they wanted me to setup a direct debit of £150 / month. The previous owner had left copes of their old bills with references, they had only paid just over £300 for 3 months (and that was for winter months). So I asked them to continue billing on account which seems to be something that they either dont like or cant cope with. I have hardly ever received a bill, only red letters, I dont know why but I only have 2 bills from the last 3 years! At the start of this year I complained and the supervisor helped me setup online billing. Fast forward to two weeks ago, I got a knock at the door from a 'bill collector'. Again no bill, no red letter, just a rude man telling me I had missed the bill due to be paid in june. It seems that they have gotten my email wrong, but that is my fault. I asked them to look into my bills as I believe that I have been incorrectly charged previously and I was told that I needed to submit meeter readings before they could help me. They have now sent me a bill asking for me to pay for usage up to last week and added on even more charges. They say that they will break into my home if i dont pay by Friday. Im not sure what to do, I have a feeling that I am being taken for a ride but not sure where to start? I am happy to pay my bill but not happy to be paying charges, especially after I had taken steps to go online and avoid charges.

Hi, Hoping I can get some advice here about a conundrum I have. I have an old debt for a personal loan which will become SB at the end of february. Having heard nothing for years I suddenly received a notice of assignment from a DCA about three weeks ago. Then yesterday a request for me to contact them about payment. I feel sure that I can probably stall them until it is SB with some careful letter writing followed by a CCA request, but im a bit confused about the wording of the 1980 limitations act and various comments ive read on forums and advice sites. Will it stop the clock or restart the SB period if i communicate in writing with them eventhough I will not be admitting the debt? Ive scanned all the relevent threads on here and just dont seem to be able to find a definitive answer. I feel that I do need to take some action because if I ignore them they could easily have time to put in a claim before it becomes SB! If any one could give me some advice here I would greatly appreciate your time and advice on the best way forward!

I am hoping someone here would be able to offer some insight on my loan deferral before I tear my hair out! I have loans from 97/98/99 - originally they were partly sold off to Thesis and then later to Erudio. I have deferred payments every year based on my income. For the past 2 years, I have submitted my deferment application to Erudio via email (I live in Canada and never receive paper correspondence on time - did not want to risk missing the deadline for deferment). I followed the same procedure this year as my deferment is due at the end of March. I received an email back from Erudio informing me that they could not process the application for deferment as this was a shared loan account and needed to be processed via SLC. I have no idea what this means. I called SLC and the rep I spoke with also did not know why I was referred to them - she informed me that SLC had no account information for me and that I needed to contact whomever the loan had been sold to (Erudio, I presume....or maybe still Thesis?) I am now totally confused - who should I be submitting the application for deferment to, and how do I know who actually owns my loan accounts? Anyone have any suggestions? Thanks in advance!

Hi all Need some confirmation as the supplied documentation that comes with the form seems to contradict itself. I moved home, and need to get my paper license address changed. I was told that I'd need to upgrade to a photo ID type license. The form I have is D1 and makes no such assertion that I MUST upgrade to a phot license. It has a section just for changing the address on your paper license. In other parts of the form it says that I need to provide a photo (signed by recommended professional) as proof of identity... It also says that a change of address carries no charge, but supplying a phot carries a £20 charge... then goes on to say that changing from a paper license to a photo one carries no charge. To say that I'm confused is a little bit of an understatement and the woman in the Post Office didn't have a clue what I was on about. All I want to do is change the address on my license... but the form doesn't make it clear which if any fee applies or if I have to apply for a photo one... and if I do then is it no fee or a £20 fee... and it gives 2 different dept postcodes to send it too... one for a change of address and the other for updating to photo one.

I have a tenant who is getting behind with the rent. She was on a six month AST which expired. According to the tenancy agreement (RLA standard form) at the end of the fixed period the tenancy becomes a monthly contractual tenancy. In the tenancy agreement I ticked the box for rent to be paid every four weeks as she was on housing benefit and it seemed to be easier as it fitted in with the housing benefit payments cycle. For three years all went well as she was getting full housing benefit which the council paid to me directly. The tenant then found a job but it was on a zero hours contract so her earnings were different every week. It was then that her share of the rent started to get behind and the arrears are increasing. I have decided to serve notice under section 21 but I am confused as to what date I should put for the expiry of the notice as rent is paid every four weeks but the tenancy agreement states that it is now a monthly contractual tenancy. I have read online about giving notice under section 21 but it all seems as clear as mud - do I work on a four weekly period as stated when the agreemment was signed or is it a monthly period as stated in the agreement as these dates do not coincide? If I put the wrong date in the notice will be invalid so it is important that I get this correct.

Growing numbers of motorists are having their cars clamped and towed away because of confusion over tax disc changes. New figures published a year after the tax disc was scrapped suggest that drivers are still struggling to adjust to the new electronic system. The disc was an obvious reminder. It has now gone and we think people might be forgetting The number of vehicles being clamped or impounded has leapt from about 5,500 a month under the old system to more than 8,000 a month. This hit a peak of 10,554 in July. The increase has been put down to confusion over new rules regarding transfer of ownership which came in at the same time that tax discs were scrapped after 93 years. More ... So their plan on how to get more money out of the motorist seems to be working

If a credit card account is in arrears and PPI claim is up-held by bank, do they offset all of refund against arrears ? Will this also include the net 8% statutory amount or will that be mine ? I have tried looking on FOS website for some clarification for this circumstance but I cannot find anything ? Thank-you

Hi. I have read lots of these forums and seem to have got myself in a bit of a pickle of what to do next after having my appeal rejected. I received a PCN for 'leaving the site' at the beginning of August and wrote back to UKCPS stating about the signage not displaying the site area, what proof they had etc of me leaving the site NOT surprisingly the appeal was rejected and have not quoted any reasons why. (obviously a standard letter) I am struggling what to do next. They have told me that I can appeal via IAS however it is well documented that this is a waste of time so wasnt going to bother doing that. All the info I have read states about getting a POPLA code however on the UKCPS letterhead it states that the are IPC and a member of BPA. The signage on site also states BPA. Can I write back to them for a POPLA code or not or do I have to go via IAS? Please help.

Hi I recently checked my credit file with Experian as due to our family expanding my new wife and I will need to remortgage and buy a house. On checking my file, a CCJ was posted against me by Drydensfairfax. I found out this was on behalf of Egg for a debt that is over 8 years old and I thought statute barred hence why I'd had no contact for many years. I am reluctant to contact Drysdenfairfax as I do not wish to admit any liability but at the same time, I do not wish to have a CCJ on my file for the reason above. I had not received any contact and have been on the electoral roll since we purchased our flat just under a year ago. As there has been no contact, is there any way I can get it removed from my file without risking having to pay the approximate 5k on the CCJ? Thanks in advance for replies.

Hi I defaulted on a Co-op credit card debt a few years ago. It was eventually passed to Fredrickson International, with whom I have an agreement, which I have never missed a payment on. The debt has fallen from over £6k to just under £5k, so my intentions are clear. I believe, but cannot be sure, that at one point the Co-op sent me a letter saying that they're done with me, no more contact etc. I recently received a letter from "Link Financial", with an enclosed letter from the Co-op, saying that the Co-op has sold my debt to Link, both agreeing that I should now be paying Link. It mentioned that if I was already paying a DCA, then they'd sort it out among themselves. I am fairly sure my contract with Co-op was terminated when I started dealing with Fredrickson. I heard nothing more for a couple of months, except Fred said I had missed a payment on Jan 1st, but I think that was a glitch in timing. In late Feb I got another letter from Link which told me to stop ignoring my debts and get in touch with them to arrange a payment plan. I emailed them a week ago detailing my confusion, and have not received a response. Today I did receive another letter from Link demanding that I sign and return a standing order form (no thanks, I can set that up myself thank you!) - the terms were all the same as my deal with Fredrickson except for the payment date, which states 30th of each month rather than 1st. Obviously this will be a major issue every other month, when I'm paid on 31st! In all this time I've had no contact from Fredrickson, who have been happily accepting my payments and updating my balance accordingly - each letter from Link has the account balance printed on it, and it has reduced according to my payments. So should I alter my standing order to pay Link instead of Fred? Won't Fred still be wanting the money? Why has Fred remained silent on the matter? I've already received a "non-payment" threat from Fred, SINCE the transfer Link claims happened, even though the payment was made on time as it is every month. Thanks for any advice - I've been a bit succinct because tbh, I don't know which details are relevant.