letter received from good old carpquest, those selfless souls (I think an 'r' needs adding to the start of that word for them) who are toiling thanklessly away on behalf of their [heavily connected] client, Erudio [arrows], in relation to a claim for student loans. Following a number of 'you owe this amount, please contact us' style letters, this latest letter seems more decisive regarding potential court proceedings by Erudio. Which is why I need a little help: ====> NOTE: Is it possible to add the original letter text here for only admin to see? ====> Is this the 'next level' of scare tactics? Or is it close enough to a 'letter before action' to start making definite court defence preparations right now? Because rather than using words like 'may' or 'might', the letter states: "If we do not receive contact from you...our client will be instructing a solicitor to commence court proceedings..." "...should no contact be forthcoming...your account will be passed to our clients' solicitors..." As Erudio has already stated that this account is dealt with by capquest, then are those words as good as coming from Erudio itself? Of potential note though is that the requested action stated in the letter is based upon 'contact' and to 'engage' with them - not in 'making payment' to them. Just as background to this particular situation: I didn't continue with deferment once the government sold on the loans to these Erudio. Instead I refused to acknowledge the loan (in writing) along with a CCA request. The (eventual) paperwork I received merely showed that any original documentation was poorly micro-fiched, incomplete, and partly illegible. The rest was, of course, 'reconstituted' for the purposes of the CCA. Following that I have not responded in any shape or form, other than to receive their letters of default, phishing letters, and 'passed on to caquest' notices. I'm not in panic mode or anything, as I decided to see things through this way - whatever the outcome - when refusing to acknowledge Erudio's dubious acquisition of loans in the first place. But any advice on what options/steps to take next in this situation would be greatly appreciated. Thanks for your time (and apologies for anything not made clear enough). PS: What's the best way to add content from the letter itself (if required) for limited viewing?

As this affects my direct family i'll ask for advise as you can't keep a clear head when it is personal in my experience. I have not checked the full details yet but here is the issue Mrs A works for a business via an employment agency, she has done so for over a year with sporadic gaps usually of a day here and there between work being allocated, it's the same work day in and out and she is paid the same as the employed staff from day one. The agency wrote to Mrs A a couple of weeks ago stating they must take all leave within the next couple of months or lose it, the actual employer has told the agency staff who are numerous that none of them can have any leave over this period. For me not only is this tacit collusion here as both agency and employer are aware of the leave ban but also a clear breach of the WTR. That said, Mrs A tells the agency and employer you grant my leave or i take legal action (nicely), both the employer and the agency dispense of Mrs A soon after. hence the conundrum Is there really anyway to resolve this without risking no work due to the person having very few actual rights, and those are the ones being ignored. Opinions?

Have sorted out my water account, or so I thought but something else came up whilst doing it. I have a water meter with one company, but have found out that waste water is with another and the point is though have never had a bill from them Advice please, do I sit on my hands or what ?

Hi everyone, I am looking for advice, I have been a (very) mature student for a couple of years and not paid council tax. I have taken in a lodger who is on job seekers allowance and receives housing benefit. When she had her own flat she received council tax benefit and therefore didn't pay it either. She moved in to my house in August and I told the council, immediately I received a bill, they suggested she claimed for council tax benefit. Which eventually she did...They have refused to pay it and I have received a court summons for £560. Surely a job seeker and a full time student living in the same house should not be liable for Council Tax? I calculated the rent and bills presuming we would not be liable for Council Tax so I am in an awkward position now. I have spoken to Bury Council they just keep saying about claiming council tax benefit and I have telephoned the benefits (the lady was very rude and made me feel like I was wasting her time) but did say it depend on which benefit, i.e. contribution or income based job seekers allowance? I do not know the difference or why this would even matter? I am sure she is only claiming job seekers allowance no other benefits. Quote from Bury Council's website 'The rules for claiming council tax benefit are the same as those for claiming housing benefit. If you do not rent the property you live in, then we can consider a claim for council tax benefit on its own.' That says to me that she should have a case for claiming it? Any help would be really appreciated as I am a student and in a lot of debt also Best Wishes Alan