As the title says. This is not a final notice, but the very first. I'm not even sure what the debt's for, but I've looked at the template letter on here and I am going to send that. Just wondering if there's anything in the CCA that stipulates a minimum amount of time to pay back the debt. Cheers!

PPI used to set off credit card debt I have found out today that 3 years ago Halifax used my PPI award to set off against a credit card debt. I haven't had any correspondence about this at all. It only came to light because a few weeks ago they sent me a letter and questionnaire saying that my PPI claim could be reconsidered. Today's letter says that it was reconsidered in 2012 (without my knowledge) and I was awarded £1100. I couldn't find any record of this in correspondence or bank so rang them - after much faffing about the girl said it had been used against my debt. A letter's gone out tonight asking for copy statements from beginning of 2012 to date as they seem to have stopped sending me any. Is if acceptable for PPI awards to be used in this way? Any chance of a refund do you think? My personal circumstances are pretty dire due to bereavement and divorce, as they have been advised many, many times. Thanks, Dimps

Hey all, I'm going to be keeping certain details vague, as I'm in a reasonably unique situation which could identify me quite easily. We're in one of the capita-equita areas, and my boyfriend is dealing with council tax nonsense. He found out the exact amount as handed to Equita, it's being paid online, and he/we have refused to deal with the bailiffs from the outset. My boyfriend put a notice out front about withdrawal of right of access/trespass/harassment that he found online (I have since worked out from you wonderful people that those things only hold weight in certain situations, such as where a bailiff is acting ultra veirs, or where the LO is dodgy). Okay, so... for information only for those of you who keep track of this stuff... Equita have front loaded fees, it seems to be for the statutory amount, which is fine, but they put those fees on with the very first letter, which was posted a few weeks before the first visit took place. We don't need help with fees at this point, and there is no car to levy against. . I was alone in the house for their most recent visit. I've been too shakey to go to the door, so just hid out of sight. However, they tried to open the door by the handle (understandable), but they also messed around with the lock - it has a distinctive sound, so I'm pretty certain it was the lock. When I looked online about lock picking, I came across lock bumping which sounded similar. Due to the bracken/bramble, no one can see the front of the house, so they would know they were totally secluded. I realise the easiest way to deal with this is small cctv camera, so if anything happens it's recorded. And I'm looking into it. But I would prefer for nothing to happen in the first place. This is due to point 3. . I don't actually live with my boyfriend, but do stay here most nights. I'm classified as a vulnerable person. I have several unseen disabilities (nothing life threatening) but one of them is ptsd. I have also, through a weird twist of legislation, been denied any benefits for 12 months, so have been living off the generosity of friends and family. I can certainly provide evidence of my disabilities to any callers, and to the council. But given that I'm not actually resident at my boyfriend's house, would he still count as a vulnerable household? Obviously the whole thing with the possible lock bumping has left me very shaken and jumpy. I was awake for 4 days straight flinching at every tiny creak or sound the house made thinking they were back and trying to get it. In the end I had to take temazepam to sleep... Can we still write to the council to say that we're vulnerable? . Part of the reason I'm not formally living here is due to the stuff I don't feel I can go into as yet. But it's financial related, and that it could stuff me up next year financially if I say me and my partner are living together as a couple. The situation I'll be in next year is only financially an option if I am single, I wouldn't be able to do it if part of a couple... I know this sounds cryptic... Think of me as being on a career break due to illness, but unable to get a penny in sick pay! Also, I promise you it is all legal! I'm just unfortunate in the way the legislation has been written. . my final question concerns what happens if one or other of us need to get in/out of the house whilst the bailiffs are here? I know they're not allowed to do foot in the door or force their way in (nor are they allowed to bump the lock), but a remote/secluded house with no onlookers, and my/our word against theirs... I am worried... Can we order them to move, and if they don't call the police? I'm worried that me/my partner may be attacked by them if we're trying to get in or out also. Oh, I realise one of the questions usually asked concerns walking possessions - no, they have never gained access or been interacted with. We keep all doors/windows locked and bolted. Please feel free to ask anything else I'd prefer to not say where I am or details that may identify me, as I realise they read these forums, and just other general Internet security things Thank you. Cerberus