On the 'Freeze Interest' notice it say "I trust you will acknowledge this request in writing within 7 days". So I have not got a reply, do I still continue and send income and expenditure information. I am dealing with the Sherif's office in Scotland. Also I would love some comments on just how creative one can be with the income and expenditure statement. Thank you in advance.

Hi all, I sent my first Captains Advocacy letters (intro/POA) To Equita for council tax debt. I got a letter back stating that they haven't purchased the debt (mmm!), that they are collecting on behalf of the council. Also they state that they are not governed by FCA guidelines and they cannot communicate with my captain. ANY Advice? I have already sent the Freeze interest letter off. Thnaks Matt

The mediator had the manner of an untrained mediator or at Best someone who’s lost interest in their job ! Had a time slot of 2 till 4 o’clock ; mediator called at 2:23 and we’d finish the call before 3.30! Although I was prepared with a case summary, he wasn’t interested in Data Protection claimed the other side felt they were innocent and would only offer a £500 goodwill gesture. I asked him to present several points to the other side. Which he refused and said what’s the point? My point being it wasn’t just about the money it’s about creating better business practice and if they can’t accept breaches and apologise for non-compliance, then there is no goodwill to bring better service to the public. 🙄 it’s a payoff which I politely decline!

Hi all. I don’t know if this is anything you deal with? I’ve been fighting with my gas / electric agent. I’ve been in bed for days now with the flu. Today, someone was knocking my door, I didn’t know or care who it was, I was in bed. I hear a tinkering noise, then this woman is walking up my hall. They had picked my lock and broke in. Recovery agents!! She said they had a warrant of entry, I asked to see the Warrant, it was a laminated letter around her neck, I asked for my copy so I could call the judge ( or who ever) had signed it. She said I couldn’t have the warrant 😡 They want to install pre payment meters. I asked her to leave x3 Then she said she would have to call the police. But they never arrived. I am livid. I’m a single woman of 62, a fighter, but how dare they break into my home!! Who do I complain too about this? They are not gonna get away with this intimidation and coercion . Sorry for long rant 😪 Sue

Good morning guys. This seems to be the next stage after house sale. I am still living in my home after I recaptured it after unlawfull eviction ie smashing windows and used High Court bailiffs to enforce a county court warrant CHL sold the shortfall of £206.000 to a new company. The issue is after request to correct the name in January 2025 bank sold in the old name using defective title to new owner. The shortfall has been sold in incorrect name. They are now chasing in wrong fraud name. This will end up as a bankruptcy against the wrong name. There has been no notice from CHL of the sale only a welcome letter from new company. Question: Do I return all letter addressed to wrong name as its not addressed to the correct name. or Do I just let them take wrong name into bankruptcy. I do not want another load of court battles on op of battle against Land Registry and New owner its to much. If them taking action against wrong name wont cause new name harm then I just ignore them totally. reason: I have many potential damages claims I will bring in the correct legal name.