consumer forums consumerforums Total Bank Charges Returned : £16595128 to 9717 people. The Consumer Forums  
Bank Charges Refunds Survey | 'Buddy' System | Get an email address | Site Map | Registration Problems | FAQ
CAG Products - We think that these will help you to make your claim or Reclaim your Right

These sales also help us to keep helping YOU and keeps this site free of third party adverts!

Small Claims Kit Small Claims Court Guide
**New Edition**
CallBurner - Skype
CallRecorder Review
Last Will & Testament Kit Fight a Motoring Ticket
 
Alternatively you could purchase a CAG email address here, or maybe you'd prefer our address labels here


UPDATE: Consumer Forums ConsumerWiki is now LIVE - click here: ConsumerWiki

N.B. Please note - due to postage costs these products are only available in the U.K.



Consumer Action Group envelope labels
You are part of a community of over 195,000 people.
Let your bank know that you won't give in.
Display one of our labels on your envelopes.
Full description here
Sheet of 20 self-adhesive envelope labels
£3.50 inc p&p





Reclaim the Right!
The Lawpack Small Claims Kit contains everything you need to get your bank charges refund. Sample forms, Instruction manual, template forms and an entire set of court forms in .PDF format on CDRom.

Just type in the details of your claim and print them out.


Reclaim the Right!


Sue your bank as often as you like with one Lawpack!!

With a Lawpack and Patricia Pearl’s book on Small Claims, you have everything you need to get your unfair bank charges refunded or assert other consumer rights.
(England & Wales only)

CAG Forum Users Price £11.99
(click image to buy)
Plus £1 P&P



Reclaim the Right!


New Edition
Small Claims Procedure by Judge Patricia Pearl
An excellent guide for the layperson
Not for use in Scotland
Read BF's Review Here




Stand up to Telephone Harassment

If you use Skype -
Record your phone calls with CallBurner
It's Hot!

Click below to download your
14 day trial copy
CallBurner
Skype CallRecorder download


Read the
Explanation and review here
£31.96 - includes 20% CAG discount
(normally £39.95)

We've managed to negotiate a discount for CAG Users on DIY 'Willpacks'


Click on the image to purchase a Wills kit - £12.99 + £1.00 pp

Remember...you can't take your reclaimed bank charges with you ;-)



Do your Internet search here



Reclaim the Right Ltd. - reg.05783665 in the UK
reg. office:- 923 Finchley Road London NW11 7PE
Do your Internet search here:-

  CAG Announcements
 
Welcome Guest
Please register
Registration is free
There are no charges for using any of the facilities of this website.
If this is your first visit, be sure to check out the FAQ. You will have to register before you can post. To start viewing messages, select the forum that you want to visit from the selection below.
You will also have to register to access our template letters and claims forms
registration is free
Are you being threatened over debts more than 6 years old?
This may be unfair
See our new Unfair Trading Guide
Bought an extended warranty?
Not satisfied?
The warranty may be an example of unfair trading
See our new Unfair Trading Guide
Have you been defaulted?
Would you like to clean up your credit file?
Check it out
Are you a victim of unfair trading?
Check it out
The Consumer Protection from Unfair Trading Regs 2008
Have you been defaulted?
Would you like to clean up your credit file?
Check it out
 
Bank Action Group Debt Action Group
 

Go Back   The Consumer Forums > The Consumer Forums
Debt Action Group > General Debt Issues

General Debt Issues Post here any general debt questions not covered elsewhere.


Welcome to The Consumer Action Group

and
The Bank Action Group


Before beginning to claim your bank charges be sure to read the FAQ by clicking the link above. Read it carefully and also read as much of the forum material as you can manage before you start claiming your bank charges refund. You will have to register before you can post or view the materials which may assist you in reclaiming your penalty charges: click the register link above to proceed. To start viewing messages, select the forum that you want to visit from the selection below. Understand what you are doing and you will be able to Reclaim the Right more effectively.

Why don't you come and introduce yourself in the Welcome section at the top of the forum. Then have a look around the rest of it.
Do not post or start claiming until you have read the entire FAQ section and step by step guides and you have a good basic idea of what to do and of the layout of the forum.
Good luck claiming your bank charges.
We strongly suggest that you register under a UserID and not your own name

Reply
 
LinkBack Thread Tools
Old 8th June 2007, 20:54   #1 (permalink)
dave1509
Basic Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: May 2007
Posts: 35
dave1509 Novitiate
Default The Evil Revenue Empire Strikes Back!!!!

A long time ago in a galaxy far far away..................

EPISODE I - The empire strikes back............

8 years ago I registered as self employed, did no work then started working full time and did PAYE and also moved house

So...The wonderful inland revenue estimated a bill for my 1st year and sent it to my old address...to cut a long story short they caught up with me last year and asked me for 87k for penalties, interest and more penalties (even though I had been working and paying as I frickin earned)

I went self employed again for 9 months (18 months ago) and filed a correct tax return (a bit late) but they had lodged a CCJ for the 87k

I've had a letter confirming that I DON'T OWE 87k but they have written to the court to notify it as SATISFIED (and told me that they wouldn;t do that util I paid £700 court costs for when they filed the ccj)

Now, my problem of course is I DIDN'T OWE 87k and they wont request that the court set it aside, merely lodge it as satisfied

THIS IS NOT FAIR - They got it wrong in the first place and had no case whatsoever to persue me for that amount (which they have kind of agreed to given that they have written it off)

Their argument is that as far as they are concerned, they believed at the time that I owed them it but I DIDN'T OWE 87k - it's almost like they are trying to punish me - nah they couldn't be right - those caring sharing people at the revenue

I now have to write to the court and pay £65 to appeal

ANY ADVICE?

Don't you just love the inland revenu?!
dave1509 is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 8th June 2007, 22:21   #2 (permalink)
ScarletPimpernel
Platinum Account Customer
 
ScarletPimpernel's Avatar
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Mar 2007
Posts: 2,374
ScarletPimpernel AuthoritativeScarletPimpernel AuthoritativeScarletPimpernel AuthoritativeScarletPimpernel AuthoritativeScarletPimpernel AuthoritativeScarletPimpernel AuthoritativeScarletPimpernel AuthoritativeScarletPimpernel AuthoritativeScarletPimpernel AuthoritativeScarletPimpernel AuthoritativeScarletPimpernel Authoritative
Default Re: The Evil Revenue Empire Strikes Back!!!!

Contact your MP (find him/her at TheyWorkForYou.com: Are your MPs and Peers working for you in the UK's Parliament?) and ask him to take up the case for you.
ScarletPimpernel is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 9th June 2007, 21:41   #3 (permalink)
dave1509
Basic Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: May 2007
Posts: 35
dave1509 Novitiate
Default Re: The Evil Revenue Empire Strikes Back!!!!

Will that work?

Does anyone have any other suggestions as well?

Last edited by dave1509; 13th June 2007 at 07:03.
dave1509 is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 13th June 2007, 07:05   #4 (permalink)
dave1509
Basic Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: May 2007
Posts: 35
dave1509 Novitiate
Default Re: The Evil Revenue Empire Strikes Back!!!!

Anyone?
dave1509 is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 13th June 2007, 17:18   #5 (permalink)
powelll
Platinum Account Customer
 
powelll's Avatar
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: May 2006
Posts: 1,062
powelll Informativepowelll Informativepowelll Informative
Default Re: The Evil Revenue Empire Strikes Back!!!!

You can apply for a set aside yourself - this puts the CCJ back to the 'claim' stage so you get the option to defend the claim. Below link may be useful:

National Debtline England & Wales | Debt Advice | Factsheet 12 How To Set Aside A Judgment In The County Court
powelll is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 14th June 2007, 00:50   #6 (permalink)
Gingerheid
Classic Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Dec 2006
Posts: 315
Gingerheid NovitiateGingerheid Novitiate
Default Re: The Evil Revenue Empire Strikes Back!!!!

Another case of getting a CIS card? I wish they'd wrap the things in big warning notices saying what they mean you have to do.

Anyhow. You're not going to like me for saying this...

[devil's advocate mode]

You have a problem here in that the tax bill was legally correct at the time they got the judgement. They haven't agreed that they got it wrong at all. They had to estimate the bill because you did a runner without telling the office you were registered as self employed with that you changed address. They had no idea what you were earning, but fairly estimated what you might be earning based on their experience of the typical earnings of people in your trade that don't bother to fill in their tax returns. When they filed the claim they told the court that these were estimates, and it accepted them as such. This is a necessary processand is recognised by law as such. The tax system cannot operate if people can not pay any tax merely by not submitting a return.

On the basis of new information that has come to light since (you contacting them) they have made amendments to their calculations that have had the effect of reducing amount of the judgement debt outstanding.

Accordingly I ask the honourable court to dismiss dave1509's application.

[/devil''s advocate]

I know everything you are about to yell at me... you don't need to say it.

?s

Did they get the CCJ at your old address? This puts you in a better position, as courts are generally quite good about wanting to have a fair hearing rather than judgements in default that nobody knew about. If you did know about the proceedings but were incredulous and didn't think they'd actually do it and were going to do the tax returns, that's a bit of a problem.

The bad news is that the Revenue are likely to pitch up at any set aside hearing and say pretty much exactly what I did.

The good / bad news mixed together is that they are less (ie very un-)likely to do this if you agree to pay the costs on condition they don't oppose the application. Of course the abilty of the judge to exercise discretion is a big problem... he might just not like you.

Otherwise you can not pay the costs, take a punt and see what happens. The odds would be against you, but of course the judge might decide he likes you...
__________________
Number of times I've asked 1st Credit for information that I stil haven't recieved... 55 as at 02/05/07
Gingerheid is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 8th July 2007, 17:18   #7 (permalink)
dave1509
Basic Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: May 2007
Posts: 35
dave1509 Novitiate
Default Re: The Evil Revenue Empire Strikes Back!!!!

So - Ive applied to the judge for a hearing (Oh great - In court against the Inland revenue!)

I have had a statement from them also showing credits and attemped recovery of penalties with a note sying 'Not currently being persued'

Which leaves me with an uneasy feeling

Reckon I'm just being paranoid or could they 'change their mind' and start to try and enforce this after showing that they waived the charges?

Hope not (its about 40k!)

Any advice on dealing with the wonderful instutuition (Oh and great- - Gordy Brown is now PM!)
dave1509 is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Reply



Thread Tools


Similar Threads
Thread Thread Starter The Consumer Forums Replies Last Post
Empire strikes back v Egg Card Repayment Insurance. Empire Strikes Back Payment Protection Insurance (PPI) 18 29th February 2008 21:06
Empire Strikes Back v MBNA ::: SETTLED IN FULL Empire Strikes Back Other Institutions Successes 16 15th December 2007 18:23
Empire Strikes Back v Citi Cards Empire Strikes Back CitiCards 23 19th July 2007 13:59
The Evil Empire - Lloyds TSB jemima_j_cat Lloyds Bank 6 3rd July 2007 17:40
Empire Strikes Back v Lloyds Mortgage account Empire Strikes Back Lloyds Bank 7 8th September 2006 18:11




Do your Internet search here:

The Consumer Action Group and The Bank Action Group are registered trademarks
Reclaim the Right Ltd. - reg.05783665 in the UK reg. office:- 923 Finchley Road, London, NW11 7PE

Search Engine Friendly URLs by vBSEO 3.0.0 RC6 © 2006, Crawlability, Inc.