Page 1 of 5 12345 LastLast
Results 1 to 25 of 104

Thread: Lowell V MarcToystory

  • Share
  • Thread Tools
  • Display
  1. #1
    Join Date
    Jul 2016
    Posts
    54
    Mentioned
    1 Post(s)

    Default ccj for debt from lowell

    hi
    i received a ccj letter regarding a debt that i didn't know about, until lowell contacted me in april i sent the prove it letter to them as it was from a bank account i had in 2010 i didn't get a reply from them but yesterday i received a letter from the courts about the ccj i really need some advice on what i can do? the bank account had no overdraft facilitys so i dont know where the a,,ount has come from
    thanks

    particulars of the claim

    1 the defendant entered into a consumer credit act 1974 with lloyds
    2the defendant failed to maintain the required payments and a default notice was served and not complied with
    3 the agreement was later assigned to the claimant on 24/06/2013 and notice given to defendant
    4 despite repeated requests for payment the sum of 902.96 remains due and outstanding
    the claimant claims a) the sum of 902.96
    b)interest pursuant to county courts act 1984 at the rate of 8% per anum from the date assigned
    Last edited by marctoystory; 22nd July 2016 at 12:20:PM.

  2. #2
    Join Date
    Jul 2016
    Posts
    54
    Mentioned
    1 Post(s)

    Default Lowell V MarcToystory

    Good Morning All,

    I'm really hoping someone can help me.

    I received a letter in May from Lowells saying they were intent on starting court proceedings against me for a debt which i do not recognise. I contacted national debt line and they advised me to send a 'prove it' letter. I did this by recorded delivery and it was signed for but no response.

    i arrived home yesterday to a claim form for the debt, i do not know what to do or how to begin.

    The issue date is 19/07/2016,

    i have no idea what this debt is. It is from Lloyds TSB with whom i had a bank account with in 2010. I held a joint account with my wife and when we split up my wife paid to have the balance on the account set to '0'. so she could remove her name. from this point i was not working so no money was going into this account and as far as i am aware all DD were cancelled or transferred to my wife's account. There was no overdraft facility on the account so i am completely unaware where this balance has come from. I haven't used that account since October 2010.

    The POC's are as follows

    1) the defendant entered into a consumer creit act 1974 regulated agreement with Lloyds under account ref xxxxxxxxxxx (the agreement)
    2) the defendant failed to maintain the required payments and a default notice was served and not complied with.
    3) the agreement was later assigned to the claimant on 24/06/2013 and notice was given to the defendant
    4) despite repeated requests for payment the sum of £902.96 remains due and outstanding
    and the claimant claims
    a) the sum of £902.96
    b) interest pursuant to s69 county courts act 1984 at the rate of 8% per annum from the date of issue accruing at a daily rate of £0.198 but limited to one year, being £72.24
    c) costs

    Please please please can someone advise what my next steps are.

    Kind regards

  3. #3
    Join Date
    Jun 2014
    Posts
    10,998
    Mentioned
    1073 Post(s)

    Default Re: Lowell V MarcToystory

    Hi @marctoystory to LB

    Here's a link to your first steps http://legalbeagles.info/forums/show...it-Court-Claim

    • You need to acknowledge receipt of the claim (online via MCOL is easier) with an intent to defend in full ... this gives you time (33 days from the issue date on the claim form) to prepare your defence before entering it
    • CPR request (http://legalbeagles.info/forums/show...ic-information) goes to the claimants solicitors asking for the things mentioned in the POC ... so you can request the AGREEMENT the DEFAULT NOTICE and the NOTICE OF ASSIGNMENT.
    • CCA request (http://legalbeagles.info/forums/show...y-of-Agreement) goes to the claimant (Lowells) seeing as they say it was a regulated agreement.


    I'll tag @Amethyst and @nemesis45 for you too

    K xx
    Debt is like any other trap, easy enough to get into, but hard enough to get out of.

    It doesn't matter where your journey begins, so long as you begin it...

    recte agens confido

    ~~~~~

    Any advice I provide is given without liability, if you are unsure please seek professional legal guidance.

    I can be emailed if you need my help loading pictures/documents to your thread. My email address is kati@legalbeagles.info
    But please include a link to your thread so I know who you are.

    Specialist advice can be sought via our sister site JustBeagle

  4. #4
    Join Date
    Jul 2016
    Posts
    54
    Mentioned
    1 Post(s)

    Default Re: Lowell V MarcToystory

    Thank you for your speedy reply

    I was at a complete Loss and feeling the pressure so just to clarify i go on straight away to acknowledge and then send all my requests on Monday ?

  5. #5
    Join Date
    Jun 2014
    Posts
    10,998
    Mentioned
    1073 Post(s)

    Default Re: Lowell V MarcToystory

    Quote Originally Posted by marctoystory View Post
    Thank you for your speedy reply

    I was at a complete Loss and feeling the pressure so just to clarify i go on straight away to acknowledge and then send all my requests on Monday ?
    No need to worry ... there are people here who can talk you through this :nod:

    Yep acknowledge online asap, get your CCA and CPR requests ready to send off (signed for is good as you have proof they received them). There's a £1 cost for the CCA which we usually suggest you send a postal order for xx
    Debt is like any other trap, easy enough to get into, but hard enough to get out of.

    It doesn't matter where your journey begins, so long as you begin it...

    recte agens confido

    ~~~~~

    Any advice I provide is given without liability, if you are unsure please seek professional legal guidance.

    I can be emailed if you need my help loading pictures/documents to your thread. My email address is kati@legalbeagles.info
    But please include a link to your thread so I know who you are.

    Specialist advice can be sought via our sister site JustBeagle

  6. #6
    Join Date
    Jul 2016
    Posts
    54
    Mentioned
    1 Post(s)

    Default Re: Lowell V MarcToystory

    Great, Thanks for your help, AOS has been sent and im drafting the letters now using the templates to be sent on monday, recorded delivery.

  7. #7
    Join Date
    Jun 2014
    Posts
    10,998
    Mentioned
    1073 Post(s)

    Default Re: Lowell V MarcToystory

    Quote Originally Posted by marctoystory View Post
    Great, Thanks for your help, AOS has been sent and im drafting the letters now using the templates to be sent on monday, recorded delivery.
    if you need any extra help just give us a shout xx
    Debt is like any other trap, easy enough to get into, but hard enough to get out of.

    It doesn't matter where your journey begins, so long as you begin it...

    recte agens confido

    ~~~~~

    Any advice I provide is given without liability, if you are unsure please seek professional legal guidance.

    I can be emailed if you need my help loading pictures/documents to your thread. My email address is kati@legalbeagles.info
    But please include a link to your thread so I know who you are.

    Specialist advice can be sought via our sister site JustBeagle

  8. #8
    Join Date
    Sep 2009
    Posts
    11,301
    Mentioned
    473 Post(s)

    Default Re: Lowell V MarcToystory

    Hi marctoystory.

    Obvious question, but I'll ask anyway.

    Could this be for a credit card?
    CAVEAT LECTOR

    This is only my opinion - "
    Opinions are made to be changed --or how is truth to be got at?" (Byron)

    You and I do not see things as they are. We see things as we are.
    Cohen, Herb

    There is danger when a man throws his tongue into high gear before he
    gets his brain a-going.
    Phelps, C. C.

    "They couldn't hit an elephant at this distance!"
    The last words of John Sedgwick

  9. #9
    Join Date
    May 2007
    Posts
    58,962
    Mentioned
    1594 Post(s)

    Default Re: ccj for debt from lowell

    Firstlywhat's the letter did you receive from the courts? Is it a court claim? The debt could be statute barred if you haven't had any contact about it since 2010 however will find out more once you get replies to your CCA and CPR letters.did you close your account with Lloyds in 2010?
    “We may not win by protesting, but if we don’t protest we will lose. If we stand up to them, there is always a chance we will win.” Hetty Bower

    Any advice I provide is given without liability, if you are unsure please seek professional legal guidance.

    Find Solicitors offering fixed fees on our sister site - JustBeagle.com

  10. #10
    Join Date
    Jun 2014
    Posts
    10,998
    Mentioned
    1073 Post(s)

    Default Re: ccj for debt from lowell

    Quote Originally Posted by Amethyst View Post
    Firstlywhat's the letter did you receive from the courts? Is it a court claim? The debt could be statute barred if you haven't had any contact about it since 2010 however will find out more once you get replies to your CCA and CPR letters.did you close your account with Lloyds in 2010?
    I've merged his threads Ame xx
    Debt is like any other trap, easy enough to get into, but hard enough to get out of.

    It doesn't matter where your journey begins, so long as you begin it...

    recte agens confido

    ~~~~~

    Any advice I provide is given without liability, if you are unsure please seek professional legal guidance.

    I can be emailed if you need my help loading pictures/documents to your thread. My email address is kati@legalbeagles.info
    But please include a link to your thread so I know who you are.

    Specialist advice can be sought via our sister site JustBeagle

  11. #11
    Join Date
    May 2007
    Posts
    58,962
    Mentioned
    1594 Post(s)

    Default Re: ccj for debt from lowell

    Ahh Thank you
    “We may not win by protesting, but if we don’t protest we will lose. If we stand up to them, there is always a chance we will win.” Hetty Bower

    Any advice I provide is given without liability, if you are unsure please seek professional legal guidance.

    Find Solicitors offering fixed fees on our sister site - JustBeagle.com

  12. #12
    Join Date
    Jul 2016
    Posts
    54
    Mentioned
    1 Post(s)

    Default Re: Lowell V MarcToystory

    Quote Originally Posted by charitynjw View Post
    Hi marctoystory.

    Obvious question, but I'll ask anyway.

    Could this be for a credit card?
    Hi,

    it wasn't a credit card as i never had one.

  13. #13
    Join Date
    Sep 2009
    Posts
    11,301
    Mentioned
    473 Post(s)

    Default Re: Lowell V MarcToystory

    Quote Originally Posted by marctoystory View Post
    Hi,

    it wasn't a credit card as i never had one.
    Ok.....you'll just have to see what transpires as a result of the CCA & CPR requests (if anything).

    Make sure you meet the court deadlines.......33 days from court claim issue date for your defence (unless the claimant/solicitors agree to the extra 28 day extension as per the CPR letter).
    CAVEAT LECTOR

    This is only my opinion - "
    Opinions are made to be changed --or how is truth to be got at?" (Byron)

    You and I do not see things as they are. We see things as we are.
    Cohen, Herb

    There is danger when a man throws his tongue into high gear before he
    gets his brain a-going.
    Phelps, C. C.

    "They couldn't hit an elephant at this distance!"
    The last words of John Sedgwick

  14. #14
    Join Date
    Jul 2016
    Posts
    54
    Mentioned
    1 Post(s)

    Default Re: Lowell V MarcToystory

    Quote Originally Posted by charitynjw View Post
    Ok.....you'll just have to see what transpires as a result of the CCA & CPR requests (if anything).

    Make sure you meet the court deadlines.......33 days from court claim issue date for your defence (unless the claimant/solicitors agree to the extra 28 day extension as per the CPR letter).
    Oh now thats confused me i recieved the claim form on the 22nd july but it was dated 19th july. I AOS on the 23rd July. So do i need to have my defense in by 16th Aug? I really dont know how to defend when i have no idea what it is for.

    If they agree to an extension as per the CPR letter do they let the courts know?

    Thanks for your help

  15. #15
    Join Date
    Sep 2009
    Posts
    11,301
    Mentioned
    473 Post(s)

    Default Re: Lowell V MarcToystory

    Quote Originally Posted by marctoystory View Post
    Oh now thats confused me i recieved the claim form on the 22nd july but it was dated 19th july. I AOS on the 23rd July. So do i need to have my defense in by 16th Aug? I really dont know how to defend when i have no idea what it is for.

    If they agree to an extension as per the CPR letter do they let the courts know?

    Thanks for your help
    If the issue date on the front of the court claim is 19th July, add 33 calendar days
    I make that Sunday 21st Aug (but you can calculate it yourself using the date checker at the top of the thread....math isn't my forte).
    In fact, because it falls on a Sunday, you are also allowed the following day, Monday, 4pm deadline (but don't leave it 'till the last minute).

    If the Claimant does agree to the 28 day extension, the Defendant (you) have to inform the court.

    The substance of the defence can be determined when & if they respond to your requests.
    You can, after a suitable period, chase the CPR letter (it gives them 7 days to respond).
    Do not chase the CCA request..........if you should receive anything back from the claimant re either, give us a look first if you can.
    The AOS is fine (have you verified online or by 'phone that it's been received by the court?)
    CAVEAT LECTOR

    This is only my opinion - "
    Opinions are made to be changed --or how is truth to be got at?" (Byron)

    You and I do not see things as they are. We see things as we are.
    Cohen, Herb

    There is danger when a man throws his tongue into high gear before he
    gets his brain a-going.
    Phelps, C. C.

    "They couldn't hit an elephant at this distance!"
    The last words of John Sedgwick

  16. #16
    Join Date
    Jul 2016
    Posts
    54
    Mentioned
    1 Post(s)

    Default Re: Lowell V MarcToystory

    Good evening all,

    Hope you are well,

    Just an update and having a bit of a panic.

    I have had nothing back from Lowells at all and I need to start on my defence, which i don't even know how to begin

    What do i do from here?

    Any help would be much appreciated

  17. #17
    Join Date
    Jul 2016
    Posts
    54
    Mentioned
    1 Post(s)

    Default Re: Lowell V MarcToystory

    Morning all..

    Please can anyone help

    I sent the cca and cpr letters off and had absolutely nothing back from Lowells. I need to start my defence but I am clueless at how to start it. I have no idea what I'm defending or how to put it into the courts.

    Getting a bit panicked now as the deadline is upon us.

    If anyone could help it would be much appreciated

    Thanks in advance

  18. #18
    Join Date
    Sep 2009
    Posts
    11,301
    Mentioned
    473 Post(s)

    Default Re: Lowell V MarcToystory

    Quote Originally Posted by marctoystory View Post
    Morning all..

    Please can anyone help

    I sent the cca and cpr letters off and had absolutely nothing back from Lowells. I need to start my defence but I am clueless at how to start it. I have no idea what I'm defending or how to put it into the courts.

    Getting a bit panicked now as the deadline is upon us.

    If anyone could help it would be much appreciated

    Thanks in advance
    Top of this thread, Defence Example.
    Personalise it & if you wish, post it on here (remove your personal details) for comments.
    CAVEAT LECTOR

    This is only my opinion - "
    Opinions are made to be changed --or how is truth to be got at?" (Byron)

    You and I do not see things as they are. We see things as we are.
    Cohen, Herb

    There is danger when a man throws his tongue into high gear before he
    gets his brain a-going.
    Phelps, C. C.

    "They couldn't hit an elephant at this distance!"
    The last words of John Sedgwick

  19. #19
    Join Date
    Sep 2015
    Posts
    3,748
    Mentioned
    581 Post(s)

    Default Re: Lowell V MarcToystory

    Hi Marc, are you certain that all DD were cancelled or transferred over and no overdraft was agreed? Have you tried contacting lloyds about this to see what information they can give you?

    If so, your starting point would appear to be that they have no provided you with a copy of the agreement and the claim is unenforceable, but also the notice of assignment as well as requested.

    In addition to that you could potentially make a counterclaim striking out the claim as malicious prosecution on the basis that they have no grounds to bring the claim given their lack of evidence supplied to you. You could also mention that the account was not in use, any balance was paid off and so there is no reason to bring a claim.

    IF you bring a counterclaim Lowell would have to reply with a defence or you would be given automatic judgment on that and the whole claim could be struck out. Not saying it would work but it would put Lowell on the back foot and means that the claim cannot be stayed which is what happens in most cases when they cant find the agreement - not saying it would work but playing them at their own game!

    The only thing that I dont understand is why you mention that your wife paid to have the balance set at 0 to come off the joint account. If there was no overdraft and it wasn't a credit card then the balance could only be at 0 or it would be in credit which would mean she doesn't have to pay any money to set it to 0? A bit more explanation is necessary here for understanding.
    DISCLAIMER: AS A PUBLIC FORUM, THE CONTENT POSTED BY ME IS FOR EDUCATIONAL PURPOSES ONLY AND IS NOT INTENDED AS LEGAL ADVICE NOR DOES IT CREATE ANY KIND OF SPECIAL OR OTHER RELATIONSHIP BETWEEN YOU AND ME. IF YOU CHOOSE TO FOLLOW ANYTHING THAT I HAVE PUBLISHED THEN YOU DO SO AT YOUR OWN RISK AND COST, AND I CANNOT ACCEPT LIABILITY. YOU SHOULD ALWAYS SEEK INDEPENDENT LEGAL ADVICE BY GOING TO Law Society's Find A Solicitor OR CONTACT YOUR LOCAL Citizen's Advice Bureau.


  20. #20
    Join Date
    Jul 2016
    Posts
    54
    Mentioned
    1 Post(s)

    Default Re: Lowell V MarcToystory

    Quote Originally Posted by R0b View Post
    Hi Marc, are you certain that all DD were cancelled or transferred over and no overdraft was agreed? Have you tried contacting lloyds about this to see what information they can give you?

    If so, your starting point would appear to be that they have no provided you with a copy of the agreement and the claim is unenforceable, but also the notice of assignment as well as requested.

    In addition to that you could potentially make a counterclaim striking out the claim as malicious prosecution on the basis that they have no grounds to bring the claim given their lack of evidence supplied to you. You could also mention that the account was not in use, any balance was paid off and so there is no reason to bring a claim.

    IF you bring a counterclaim Lowell would have to reply with a defence or you would be given automatic judgment on that and the whole claim could be struck out. Not saying it would work but it would put Lowell on the back foot and means that the claim cannot be stayed which is what happens in most cases when they cant find the agreement - not saying it would work but playing them at their own game!

    The only thing that I dont understand is why you mention that your wife paid to have the balance set at 0 to come off the joint account. If there was no overdraft and it wasn't a credit card then the balance could only be at 0 or it would be in credit which would mean she doesn't have to pay any money to set it to 0? A bit more explanation is necessary here for understanding.
    Morning,

    Thank you for your reply.

    I am quite sure all dd were cancelled. It was such a long time ago that I can't be sure. I had the joint account with my wife and when we split up a dd had not been paid and took us into an unauthorised overdraft which is what she had to pay to take the balance to '0' to enable her to remove her name as she wasn't able to while there was a balance on the account.
    I wasn't working at the time so nothing was going in the account from the day it went into my name only.
    We never had an agreed overdraft and I never had any loans or credit cards with them.

  21. #21
    Join Date
    Sep 2015
    Posts
    3,748
    Mentioned
    581 Post(s)

    Default Re: Lowell V MarcToystory

    I see, so perhaps it might be best contacting Lloyds to find out more information, perhaps a subject access request to give you all information they hold in relation to the account number Lowell has referenced. I'm not sure if a basic bank account is deemed a regulated agreement @nemesis45?

    Anyway as charity has said, the starting point is looking at draft defences on here and there is some in the green box at the top of this page. If you are certain you don't owe anything then I would suggest a counterclaim against Lowell incorporated into that as an alternative to striking out the case. Other the other option would be to make an application to strike out which would cost £255 unless you qualify for a fee remission based on your income.

    Once you've drafted something then post it up and we can take a look.
    DISCLAIMER: AS A PUBLIC FORUM, THE CONTENT POSTED BY ME IS FOR EDUCATIONAL PURPOSES ONLY AND IS NOT INTENDED AS LEGAL ADVICE NOR DOES IT CREATE ANY KIND OF SPECIAL OR OTHER RELATIONSHIP BETWEEN YOU AND ME. IF YOU CHOOSE TO FOLLOW ANYTHING THAT I HAVE PUBLISHED THEN YOU DO SO AT YOUR OWN RISK AND COST, AND I CANNOT ACCEPT LIABILITY. YOU SHOULD ALWAYS SEEK INDEPENDENT LEGAL ADVICE BY GOING TO Law Society's Find A Solicitor OR CONTACT YOUR LOCAL Citizen's Advice Bureau.


  22. #22
    Join Date
    Jul 2016
    Posts
    54
    Mentioned
    1 Post(s)

    Default Re: Lowell V MarcToystory

    Thank you again for replying.

    I'm at a complete loss.
    From what I remember the account was a silver account (packaged bank account) which was completely useless and that was to be removed when it went from joint to my name only as I knew no money would be going in to cover the £12 fee every month

  23. #23
    Join Date
    Nov 2014
    Posts
    14,435
    Mentioned
    1616 Post(s)

    Default Re: Lowell V MarcToystory

    Quote Originally Posted by R0b View Post
    I see, so perhaps it might be best contacting Lloyds to find out more information, perhaps a subject access request to give you all information they hold in relation to the account number Lowell has referenced. I'm not sure if a basic bank account is deemed a regulated agreement @nemesis45?

    Anyway as charity has said, the starting point is looking at draft defences on here and there is some in the green box at the top of this page. If you are certain you don't owe anything then I would suggest a counterclaim against Lowell incorporated into that as an alternative to striking out the case. Other the other option would be to make an application to strike out which would cost £255 unless you qualify for a fee remission based on your income.

    Once you've drafted something then post it up and we can take a look.
    Good morning,

    Bank accounts are exempt as there is no credit element in the " agreement". OD's became partially regulated in 2011 I believe.

    SAR is a very good idea @R0b

    nem
    The Advice I Give and Draft Letters Provided Are Drawn From Personal Experience and Career Training And Are Given Freely And Without Liability.
    Please make your own decisions with care and if necessary seek qualified legal advice.
    I will not advise by Private Message. If Specific Advice is Needed please Tag me in your post by typing @Nemesis45 . If you receive messages from anyone offering advice for a fee please report it to the site team. Animo et Fide.





  24. #24
    Join Date
    Jul 2016
    Posts
    54
    Mentioned
    1 Post(s)

    Default Re: Lowell V MarcToystory

    Quote Originally Posted by nemesis45 View Post
    Good morning,

    Bank accounts are exempt as there is no credit element in the " agreement". OD's became partially regulated in 2011 I believe.

    SAR is a very good idea @R0b

    nem
    Morning.

    Sorry I don't understand 😌 I have no idea what I'm paying the debt for. I didn't use the account after October 2010. The POC says I entered a regulated agreement.
    This can't possibly be all bank charges can it??

  25. #25
    Join Date
    Nov 2014
    Posts
    14,435
    Mentioned
    1616 Post(s)

    Default Re: Lowell V MarcToystory

    Quote Originally Posted by marctoystory View Post
    Morning.

    Sorry I don't understand  I have no idea what I'm paying the debt for. I didn't use the account after October 2010. The POC says I entered a regulated agreement.
    This can't possibly be all bank charges can it??
    I take it that Lowell Solicitors drafted the Claim?

    Is there an entry for this on your credit reference files? You can check Noddle Free Online.

    nem
    The Advice I Give and Draft Letters Provided Are Drawn From Personal Experience and Career Training And Are Given Freely And Without Liability.
    Please make your own decisions with care and if necessary seek qualified legal advice.
    I will not advise by Private Message. If Specific Advice is Needed please Tag me in your post by typing @Nemesis45 . If you receive messages from anyone offering advice for a fee please report it to the site team. Animo et Fide.





Page 1 of 5 12345 LastLast

Similar Threads

  1. County Court Claim/ Lowell/ Lowell Solicitors Ltd.. Advice Please?
    By Ian2016 in forum Received a Court Claim?
    Replies: 6
    : 27th July 2016, 16:06:PM
  2. Replies: 7
    : 12th June 2016, 07:15:AM
  3. Replies: 1
    : 13th April 2016, 14:00:PM
  4. Tobydog's Lowell/Co-op question - Account bought, lowell chasing with no details
    By tobydog1 in forum Lowell Group - Financial Debt Purchase Specialists
    Replies: 41
    : 9th November 2013, 16:21:PM
  5. Lowell/Co-op question - Account bought, lowell chasing with no details
    By lexis200 in forum Lowell Group - Financial Debt Purchase Specialists
    Replies: 18
    : 24th August 2013, 08:54:AM

Posting Permissions

  • You may not post new threads
  • You may not post replies
  • You may not post attachments
  • You may not edit your posts
  •  
Contact Us



© Celame (UK) Ltd 2016
Hosted by Lodge Information Services Ltd
LegalBeagles® are DPA Registered No. ZA158014
LegalBeagles® is the trading name of CELAME (UK) LIMITED ( 09220332 )
Registered Address: 25 Moorgate, London, England, EC2R 6AY
VAT registration number 206 9740 02
User Alert System provided by Advanced User Tagging v3.1.3 (Lite) - vBulletin Mods & Addons Copyright © 2017 DragonByte Technologies Ltd.
Feedback Buttons provided by Advanced Post Thanks / Like (Lite) - vBulletin Mods & Addons Copyright © 2017 DragonByte Technologies Ltd. Runs best on HiVelocity Hosting.
Celame (UK) Ltd Powered by vBulletin® Version 4.2.3
Copyright © 2017 vBulletin Solutions, Inc. All rights reserved.

To find out more about managing your money and getting free advice, visit the Money Advice Service,an independent service set up to help people manage their money.

TOP