Debt help

 

MoneyAware is part of StepChange Debt Charity, the UK’s leading debt help charity.

Each year our free debt advice helps over 500,000 people. The charity has helped millions of people in the UK by providing advice on personal budgeting, advice on the wise use of credit and, where appropriate, managing achievable plans to repay debts.

We offer free advice online, through the StepChange Debt Charity website, and have a team of expert debt advisors offering support over the phone on our Helpline.

However we know that many people wait up to a year before getting advice. For many of our clients identifying that they have a debt problem isn’t always easy. So how do you know when you need help with your finances?

Do you have a debt problem?

There can be lots of underlying reasons behind debt problems. However we’ve identified five of the main debt danger signs, as reported by our clients and from additional research from the University of Bristol, that are strong indicators that you may need help with your finances.

So if you think you might have a problem with debt, our quick test will let you know if you’re showing one or more of the danger signs that we’ve identified.

The danger signs of debt test takes around 60 seconds to complete and will ask you five simple questions about your financial situation.

Based on your test results, you’ll receive advice on what your next steps should be to help deal with any problems with your finances. And if you do have a debt problem, don’t worry, you’re in the right place. We can help you deal with it and we’ll offer you free advice and support along the way.

  • Debt Management

    Thanks for offering free debt help programs for debtors in UK.

  • mrs catherine asquith

    hi.i have a debt from 13 years ago for 2.000 i have no recollection of owing this but a solicitor has now sent me a letter to appear in court which is worrying me .they have also got the deeds to my house which we have just finished paying for .are they allowed to do this from so long ago .is it not supposed to be statute barred after 6 years .thank you.

    • Hi there Catherine

      It’s not entirely clear what kind of debt it is that they’re pursuing you for, and the part I’m concerned about is the fact they have the deeds to your house. Could you please call our Helpline so this could be discussed a bit more in depth? Our number is 0800 138 1111

      Best regards

      Rachel

  • Hammad

    I have an outstanding debt of £11586 with Black horse car finance which has been passed on to lowell portfolio this debt has not been paid since 2011 and i have had no means of paying till now. i have recently checked my credit file and seen i have a number of defaults from black horse if i pay settlement figure to lowell will this remove the defaults too.
    thanks in advance and sorry for the long message

    • moneyaware

      Hi there,

      Thanks for posting.

      A default will usually stay on your credit file for six years before it ‘drops off’.

      If you pay to settle the debt, the default will usually still appear on your credit file. However you could try to negotiate with the lender to see if they’ll remove the default if you pay off the debt in full but they don’t have to agree to do this.

      We’d always encourage you to deal with your debts and then focus on clearing up your credit file.

      If you’re struggling to make payments towards the debt, this is where we can help. If you give our Helpline a call, one of our advisors will be able to
      talk through your budget and debts to see if there’s a debt solution to suit you. You can find out how to get in touch with us here: http://www.stepchange.org/Contactus.aspx

      I hope this helps,

      Jen

  • stephen

    HI

    I owe sunny loans 350 a month for the next 5 months which wasnt a problem to pay back that amount until recently when i had to fix some household stuff like my boiler. So now i am going to be struggling to payback that amount for the next 4 months I have emailed sunny to see if i could reduce my payments to 150 pound for the next 4 months and then go back to paying the amount of 350 pound after the 4 months have past. i have just emailed them today so no response yet but i was wondering is this the right action to take? i am stressing out because ive never been in this situation before and am getting really worried.

    thanks in advance for any advice

    • moneyaware

      Hi Stephen,

      Thanks for posting.

      If you’re struggling to make payments to the loan, contacting the company and letting them know you’re having financial problems is often a good start. The loan company may discuss an affordable repayment for you and come to an agreement without any further issues.

      If they don’t, you shouldn’t feel pressured into paying more than you can afford or consider borrowing more money to repay the debts as there are ways you can take control of the situation.

      Try not to worry, your main priorities are your household bills and living costs, and these should always come first. If you are worried or the company is asking for more than you can afford then we’d recommend speaking to us for some free, expert debt advice. We’ll look at your situation and offer advice on what to do next and solutions to help you manage the situation.

      You can visit our website at http://www.stepchange.org/contactus.aspx for more information on how to get in touch with us.

      I hope this helps, please get in touch if you’d like us to help.

      Rory

  • Jan

    Hi I am just coming up to retirement age and my rent has just gone up to 450 a month. I work but I am already going without food and clothes tht I need to pay my visa bills of £13000 as well as my household bills. After I receive my wages I only have about 500 credit before I pay my bills so I am back in my overdraft within days. I am now going to be forced to stop paying my visa debts because I have to pay my rent and I dont know what to do next? I will never be able to give up work and I am increasing my debt rather than paying it off. I feel quite desperate. Someone said I should declare myself bankrupt but that sounds so dreadful and emabrrasing. Is there anything I can do?

    • moneyaware

      Hi Jan,

      Thanks for posting.

      I’m sorry to hear you’re struggling at the moment. Please know you don’t have to deal with this alone, we’re here to help.

      I’d suggest that you get in touch with our Helpline for some free debt advice.

      Our advisors will use information from your income and debts to put together a budget for you.

      From this, they’ll be able to let you know if any debt solutions are suited to your situation and how to move forward with them.

      You can find out how to get in touch with us here: http://www.stepchange.org/Contactus.aspx

      If you have any more questions please let us know.

      Jen

  • marther

    Hi I left University this year and started a job late Sept, by then i was well into my overdraft….I had a credit card debt of 1,300 that my partner left me with after a breakup, a catalogue of 300, and two other credit cards One at 500, the other 1000. I also have a hire purchase bed for my daughter at 12 pound a week. Recently the debts are becoming unmanageable and i am behind with rent and council tax, having to use credit cards to pay. Utility bills are becoming difficult to pay, but most of all food shopping :-(. I am a single mum with no family, I have never borrowed a penny in my life till 2 years ago to initially improve my credit rating while at uni, however I lost my mum and partner and life changed very quickly. I now work 21 hours but am hoping my hours increase to 28 soon…I currently earn around 1,200 (universal cred and child benefit included)…If i up my hours i will earn roughly 1.350 ish if my maths is correct?…(usually isnt)… I have managed to transfer the largest debt to an interest free balance transfer, but i am riddled with anxiety as I know when May comes i will be in a mess….I can barely cope now. I live in a council house with two dogs. The minimum payments have become to large to pay. I have never missed a payment till the past few months when i have realised things are spiraling out of control and other bills are being missed. I plan to go onto a social work masters next Sept but i am worried I wont be able to do that because of debt. I never spend out of my means i buy only what i need not what i want….:-( Help much appreciated….

    • moneyaware

      Hi there,

      Thank you for posting.

      It sounds like you’re having a really difficult time dealing with the situation, and the anxiety of not knowing where to turn or how to deal with the debts often makes the situation seem a lot worse.

      It’s really important to always prioritise your household bills and living costs first. Falling behind with rent, council tax and utility bills has the greatest impact on you, and you should make sure these get paid before any of your unsecured debts including the overdraft and credit cards.

      Based on what you’ve said about your situation, I think you’d benefit from some free debt advice from us. We can look at your situation and offer practical advice and also debt solutions to help you manage and deal with your debts. There are lots of solutions available, depending on your own situation and this is where we can help.

      There’s two ways you can get free, confidential advice from us. Either by using our anonymous Debt Remedy tool at http://www.stepchange.org/debtremedy or by calling our free Helpline on 0800 138 1111. You can also find out more about us by visiting our website at http://www.stepchange.org.

      Please don’t feel that you’ve nowhere to turn to, there’s lots of advice and support available and we help thousands of people each week with their debts.

      I hope this helps, please get in touch if you’d like our help.

      Rory

  • disqus_Bti4pGrSS1

    Hi,
    We are in a partnership, live on site with our house and business property on one lease. The company was originally just as a sole trader in my name but added my partner to eliviate tax pressures on paye due to him being on the payroll.
    We have had some up heavel over the last few years and got into debt everywhere, slowly we have paid everything off and now only really owe an overdraft on a bank account and HMRC for vat, paye, and self assessment for both of us.
    I entered a time to pay scheme with hmrc but because of moving banks the standing order got missed and I was late with a payment and now they have cancelled it and have said they’ve filed for county court for bankruptcy.
    Everywhere I read online says they will go for it even though I don’t have any assests. What are my options? We have just got the businesses profits up and want to fight on but if I loose the business I loose everything, home, will we loose the equipment we need to work? When hmrc chase they only are chasing for me, all letters are in my name? Will they make me bankrupt or both?
    I owe a couple of personal loans which I was hoping I can put into a DMP.
    Thanks,

    • moneyaware

      Hi there,

      From what you’ve said it sounds like it’s just you that is currently being pursued for bankrutpcy. However if you are declared bankrupt and there remains a debt that your partner is liable for then they could potentially be made bankrupt too, unless they can repay the debt they are liable for.

      I would recommend calling Business Debtline for in depth advice about your options. They’ll be able to get to know more about the sitaution and give you full answers to your questions. Here’s their contact details: https://www.businessdebtline.org/.

      Kind regards

      James

  • Christina Bunbury

    Hi everyone,

    I am a little confused about a recent debt repayment plan I had with Barclays Bank. Due to a very messy divorce, I was left with masses of debt, but have managed to clear it with careful negotiations and kept up with all the payment.

    I had a payment plan with a Barclay loan, which was actually paying more than the original loan payments but I wasn’t incurring interest so I could pay it off quicker. About a year ago I was contacted by Barclays to confirm that an error had been made on my account when it was first issued and if I was able to make a lump sum repayment the rest of the debt would be written off, and I have this in writing. I was able to make the payment and there is no longer a requirement for me to pay anything, however the total outstanding balance still appears. Nobody can explain to me – does anyone here have any idea why this may be?

    • moneyaware

      Hi Christina,

      Thanks for your message.

      If you have proof of the agreement in writing and proof that
      you’ve made the payment in full then you could send copies of this over to Barclays and request that they adjust the balance to reflect what you owe.

      If the balance is showing incorrectly on your credit report then you should also explain this to Barclays so they can update your records with the credit reference agencies to help resolve the situation.

      In either case, discussing this directly with the creditor should help you get things sorted.

      I hope this helps,

      Jen

  • James

    Hi everyone,

    I don’t really know where to start. When I was younger, I lived very irresponsibly, receiving a council tax debt at the end of one year in 2001 that was much more than I could afford. I couldn’t pay this and cut off contact with them (stupid I know), and moved around a lot, accruing more CT debt, as I was afraid to have any contact with them. The debts in question are from the 4 years between 2001 and 2005. The problem is I only have details of 2 of them. How do I find out who has these Also there may be the odd thing from that period which got past my notice (a utility, mobile bill etc…). I now want to go back and start taking care of these, but don’t know where to go. Who to I contact to find out if any CCJ’s have been issued against me? Also, I understand these debts are bandied around between companies every few years. Where to you go to find out really every debt that is in your name? Also, is it possible that a debt that was once approx £1300 (a years CT) could now be tens of thousands due to interest. I don’t want to tackle these things one at a time or they will be insurmountable – I need to do all together if possible.

    • moneyaware

      Hi James,

      It may be that some or all of these debts are “statute barred” which is an expression used to desribe debts that cannot be legally enforced anymore. You can read more about this in our article here: http://moneyaware.co.uk/2013/10/statute-barred-debt/

      If you’ve not made a payment or acknowledged a debt in writing for six years then it could be statute barred.

      You might find it useful to check your credit history for information about your debts. It’s free to use the noddle service here: https://www.noddle.co.uk/. You’ll then be able to see any debts from the last six years, to get details of any current debts you might need to deal with.

      Kind regards

      James

  • Charlotte

    Help!!

    I recieved 2 letters in the post for a county court claim form which i had to send back my with my outgoings and made a small offer to pay back. I have now received a judgement for claimant which they have declined my offer and told me i need to pay X amount per month. However i cant physically afford to pay the amounts they are requesting. What can i do? Can i go back with a different offer?

  • James

    Hi,
    Basically I’m £7000 in debt split over 3 credit cards. Some of it is at 0% however most of it isn’t. I’m self employed and the money that comes in month by month can vary. Whats my best route here? I’ve been offered an IVA and a DMP, but don’t know which one to go with. I gather either way my credit score is going to be destroyed and I’ll have issues in the future if I ever want to get a mortgage?

    • moneyaware

      Hi James,

      Thanks for posting.

      It’s not really possible to compare the benefits of an IVA vs a DMP without knowing your full situation. Both can be good solutions to a debt problem, but it’s a matter of finding the solution that suits you.

      IVAs are a form of insolvency which will nearly always invovle some debt being written off. Generally speaking, they tend to be best in a situation where you can repay some but not all of your debts.

      DMPs are less formal agreements where you pay what you can afford until your debts are cleared. Creditors don’t have to agree to the lower payments, but many do because they can see you’re paying as much as you can afford.

      If you’d like a second opinion on your options you can give us a call and we can take some details and give you full debt advice. We can recommend DMPs and IVAs, alongside all the other possible debt solutions, so we can give you an impartial recommendation.

      Here’s our contact details: http://www.stepchange.org/Contactus.aspx

      Kind regards

      James

  • elsa

    Im on IVA, my question is if you dont report your overtime pay and the iva company said you owe me money because of your overtime pay, how did they calculate it? I was not inform I need to report it.
    Thanks, elle

    • moneyaware

      Hi Elsa,

      Thanks for your message.

      IVAs are tailored to individuals and are legally binding agreements between you and your creditors.

      Due to this, we’re unable to offer advice on your IVA. If you’re unsure about something, you might be able to find out more in the agreement for your IVA or you could get in touch with the company managing your IVA for support.

      Kind regards,

      Jen

  • Kn

    Hi trying to find out advice for my parents who have a £8000 debt from a credit card 13 years ago that has tracked them and demanding £400 a month. But it was so long ago they have only just ussued a ccj for this to them, does this come under statute barred?
    Thanks

    • moneyaware

      Hi Kn,

      We have another article about statute barred debts available at http://moneyaware.co.uk/2013/10/statute-barred-debt/ which should help answer your questions.

      If the debt is statute barred, and your parents receive CCJ paperwork then they must make sure they complete the defence section of the paperwork and return it in time. The defence used should be that the debt is statute barred.

      It’s usually the responsibility of the creditor to prove that the debt isn’t statute barred, rather than your parents proving that it is, so by completing the forms and providing a defence this usually helps deal with these types of situations.

      I hope this helps,

      Rory

  • Chris

    I have receveid a notification from the County Court re a Claim made
    against me for money that I owe my solicitor in Divorce proceedings. I
    dont dispute the money owed and I intend to pay it once a property has
    been sold and an agreemnet made with my Ex or how much i receive . But i
    dispute this action brought against me, what part of the Form do i need
    to tick re defending the claim and can i go in front of the Judge and
    dispute the claim??. Their invoices clearly state that …”all accounts
    payable on delivery of invoice unless otherwise agreed in writing”…I
    have an email from my solictiors office saying that my account was on
    hold until agreement with my ex had been agreed…30 days later they
    filed papers against me !!!…what can i do??? As now court fees have been added to my bill !!!

    • moneyaware

      Hi Chris,

      Thanks for posting.

      I’m sorry to hear about this situation.

      To defend a CCJ you’d need to fill out the N9B court form. However you can usually only dispute a CCJ based on legal or factual grounds.
      If you do owe the money and the amount the solicitor is asking for is correct, it may be difficult to defend the claim in court.

      We’re unable to offer specific advice on disputing debts, however you may benefit from getting in touch with Citizen’s Advice for more support on this:

      https://www.citizensadvice.org.uk/

      It might also be worth getting in touch with your solicitor so you can discuss this with them and query the wording on the invoices.
      If you’re unhappy with the way they’ve treated you, you can make a formal complaint.

      I hope this helps,

      Jen

  • Aang

    i dropped out from my university after a year(full course being 2.5yrs) and paid a little more than half the sum in advance. to my surprise,i got a claim form from the county court yesterday stating i pay the full amount to the client(university’s representative).
    i’m already struggling with my finances as it is and the notice has me baffled.
    what do i do now? can i still talk to the debt collectors about this and settle this by paying in installments(if i do owe them) or do i have to go to court?
    what do i do with the forms i received?
    thanks

    • moneyaware

      Hi there,

      Thanks for posting.

      I’m sorry to hear about this situation.

      If you’ve already paid some of the loan and the CCJ is for the full amount, you should fill in the N9A and the N9B forms. On the N9A admission form you’ll see

      a box that says ‘How much of the claim do you admit?’ – here you can enter how much you owe. Then, on the N9B form there’s a box that asks how much of the claim you’re disputing you owe.

      There will also be space for you to explain that you’ve already paid part of the debt.

      We’ve got a guide on our website that can help with filling out CCJ forms here:

      http://www.stepchange.org/Debtinformationandadvice/Whatyourcreditorscando/Courtaction/EnglandWalescourtaction/CCJ.aspx

      On the forms, you’ll be able to put together a budget to show how much you can offer to pay towards the debt.

      If you’re disputing that you owe some of the debt, you may need further advice or legal help as this can be more complicated.

      I hope this helps but if you have any more questions please let us know.

      Kind regards,

      Jen

  • Julian

    Can a utility company add a spouses name to a debt for an utility account that taken out in the persons name trading as, when the spouse has nothing to do with the account or the trading as business?

    • moneyaware

      Hi Julian,

      Apologies about the delay in getting back to you.

      This doesn’t sound like something a utility company should do, but I don’t know enough of the details to be sure. I’d suggest contact the supplier and making a complaint about this. Then they’ll have to investigate and explain what’s gone on.

      Kind regards

      James

  • Cathy Fowler

    Hi

    Can you help me? I need to try and find out if my neighbour has used my address but her name for anything. We were away on holiday and a friend was popping to the house for us, while on a visit someone was looking for my neighbour but at my address, friend said no one of that name lives here, man with clip board said I didn’t think so I just wanted to make sure! Friend took a parcel in for neighbour and recognised the name on the box so asked neighbour about mans visit and my neighbours partner first response was: was it a debt collector? so alarm bells are now ringing. I know exactly what debt we have at the property which isn’t a lot. And if it turns out that she has used my address what can I do about it?

    • moneyaware

      Hi Cathy,

      Sorry for the delay in replying.

      Just to be clear, you’re only responsible for debts that are held in your name or you’ve guaranteed. So you’d never be expected to repay a debt just because someone said they lived at your property.

      If you were to receive correspondence addressed to someone else the best thing is to put it back in the post, marked something like “addressee does not live at this address”. This will mean the letter goes back to the sender and they should update their records.

      Kind regards

      James

  • Graeme Findlay

    Hi, I hope you can answer this.

    I’m in Scotland. I’ve bought stuff from Jacamo and now owe >£1300. I’m on ESA (WRG) and haven’t been able to pay them for a lot of months. They’re now passing my account to a debt collector and I’m stressing out. I already have depression, anxiety and paranoia, with chronic pain and arthritis and I’m on antidepressants and a dozen other meds. What can they do to get their money? I’m already struggling with my monthly funds and I was already declared bankrupt Nov/2005, so I have a record of poor money management. Help? Any advice gratefully received.

    • moneyaware

      Hi Graeme,

      Thanks for getting in touch.

      I’m sorry to hear about your situation. Mental health issues and debt problems are often linked and it’s something we hear about a lot.

      A creditor passing on a debt to a debt collection agency is a normal part of the debt collection process.
      You’ll deal with them instead of the original company once the debt has been transferred.

      You can find out about debt collection agencies here:

      https://www.stepchange.org/debt-info/debt-collection/debt-passed-to-a-collection-agency.aspx

      And you can find out about how creditors can get you to repay a debt here:

      https://www.stepchange.org/debt-info/debt-collection/what-creditors-can-do.aspx

      If you’re unable to make payments towards the debt, you should let the debt collection agency know. They should be able
      to offer advice on what to do. It’s best to stay in touch with them and let them know you’re struggling, rather than ignoring the situation.

      If you’re struggling to make payments towards your debts it may be that you have a debt problem. I’d suggest giving our Helpline
      a call for some free debt advice. Our advisors will be happy to chat through your situation with you and let you know about any solutions
      available to help you deal with your debt.

      You can find out how to get in touch with us here:

      https://www.stepchange.org/Contactus.aspx

      I hope this helps but if you have any more questions please let us know.

      Kind regards,

      Jen

  • Mark Barry Andrews

    HI,
    If creditors accept a smaller payment in a dmp, and if they freeze interest, is it from the day the dmp starts?
    eg u owe £2000 on a loan if you pay it today but £3000 in total if you let it run…do you end up paying 2 or 3k if they freeze interest??

    • moneyaware

      Hi Mark,

      It would depend on how interest is applied to your loan. Many loans have the interest applied at the start of the loan, so they don’t have the interest frozen because it’s already been added to the debts. Other loans charge monthly interest, so can freeze that interest if they agree to lower payments.

      If you check your paperwork or speak to your lender it should be easy to work out what’s happened for your debt.

      As part of a DMP creditors will also be asked to not apply penalty charges for reduced payments, which can be added to either type of loan.

      Kind regards

      James

  • V4VendettaX

    Hi, some advice please if you can. In February of this year,I was involved in a car accident on black ice. Broke five ribs and sustained concussion. Due to the length of recovery and writing off my vehicle, I lost my job. Luckily I had some savings so I kept paying my bills and two months ago started looking for fresh employment. Not a lot of jobs,especially for 55 year olds! So I was temping for several agencies and still paying my bills. Although my safety net was decreasing. Unfortunately I had a “funny turn” at one of my jobs and was sent to Hospital, subsequently finding that the Post Concussion Syndrome which I had after my accident had returned with a vengeance. My emergency funds have now all gone and I am signed off work , looks like it could be at least three months wait even for a Neuro appt and scan! I dont qualify for housing benefit as I rent of a relative and I have applied for ESA,which may be £73 a week if I get it. As this does not even cover my rent, let alone some food. I literally have £0 to pay my creditors. I probably am about £24k in debt. Inc a bank loan/ccard/overdraft and I am beside myself with worry. Any handy advice, I have never missed a payment or been behind with payments to financial institutions before and obviously am worried about bailiffs turning up at my relatives,debt collectors etc. Any advice gladly welcomed. PS none of the loans were secured, they are all just personal loan/ccard type debts.

    Many thanks in advance.

    • moneyaware

      Hi there,

      Thanks for posting. It sounds like it’s been a really tough year.

      The important thing in this sort of situation is to make sure that any money you have goes on the most important costs, like feeding yourself, keeping the services in your home running and keeping a roof over your head.

      Debts like loans, credit cards and overdrafts are further down the priority list, so cutting payments to them is usually the best short-term option if your finances are stretched. It’s possible to pay as little as £1 a month if you’re not able to afford any more. Creditors may not like this, but they don’t have any powers to make you pay more than you can afford.

      We can help you work all this out. We’ll plan a budget with you and give you advice on what to do next. We can look at short term strategies or long-term debt solutions, depending what suits your sitautions best.

      The first step is to get in touch with us by either giving us a call – https://www.stepchange.org/Contactus.aspx – or use our online debt advice service – https://www.stepchange.org/DebtRemedy.aspx. However you contact us, our advice and support is free of charge and confidential.

      Kind regards

      James

  • Nicky

    Hi. I issued a statute barred letter using the template on your site, on 21
    September 2016. I hadn’t heard anything back, despite stating they had
    to reply within within 21 days (per the template). However today, some
    50+ days later, they have replied saying the debt is not statute barred
    as I made a £1 nominal payment in 2014 (and attached a statement showing
    this). I presume the debt is not statute barred then, so they could go
    for CCJ, but how do I stand with the not replying within my 21 day time
    limit set in my defence letter? Could I use this as my defence to the
    Court?

    • moneyaware

      Hi Nicky,

      The time frame of the creditor replying to your letter shouldn’t have an impact of the status of the debt itself being statute barred.

      If you want to defend a CCJ, you need a legal or factual reason. For example, the debt is for an incorrect amount or is statute barred. Due to this, the late response probably wouldn’t be considered a good defence in court.

      If you’re worried about the impact paying back the debt could have on your finances, you can give our Helpline a call for free debt advice:

      https://www.stepchange.org/Contactus.aspx

      If you’d like to read more about CCJs and how to deal with them, we have a section about them on our website:

      https://www.stepchange.org/debt-info/ccj/dealing-with-a-ccj.aspx

      I hope this helps,

      Jen

  • shaz

    Hi, i need some advice for a friend or mine. Every April he fills out a form for free prescriptions and gets a HC2 certificate. (He is not at work due to having a triple heart bypass and currently waiting on further operations) He has a job but been off work since 2011 (He gets DLA) he got ESA for a while but they stopped it and his had trouble to get it back since 2011.) So he can not just tick the box on the back of the prescription to say he gets ESA he has filled out and got an HC2 certificate since (as his on low income)….This April 2016… He has learning disabilities also and is Dyslexic I used to help him fill out forms but have issues of my own… The problem – – – – The PSNC. has sent him a letter saying he owes them for prescription charges he made in August 2016 and added £100 charge, And they said they couldn’t find a certificate number… he called them and was going to give a number of the certificate (AND I REALISED) it was out of date! So for the past 8 months his been showing and out of date certificate to the Pharmacy with out knowing …Now I know its happened before and the pharmacy said to him its out of date so he paid and applied for a certificate , this year he honestly thought he had applied for one and NO so called professional who saw it even ….said anything to him just wrote the certificate number down or looked at it…And I have told PSNC this in a letter so they removed the charge but says his liable for the prescritption charge but give no reason. then he got another letter saying he owes the Dentist £233 and £100 charge ! His also been showing his certificate there on 4 occasions. – Now obviously at PSNC they know he never applied for a certificate in April as I have even looked in his records but found evidence of previous years but not this year…..So why have they not taken him to court for fraud ? why are they just saying between August and September , dentist fees and prescription .. is it better for them to send a Bailiff than go to court ? I would get him to phone you but he don’t remember anything ,can you help please ? DLA is not classed as an income does he still have to pay even if he has no income ? can he claim it back once a new form has been filled in ? can he go to court and dispute it ?