Thanks fkofilee, He's still waiting a reply from his employer. We have gone through his payslips and have found the error ourselves, for the past few months instead of tax being deducted he has been having that amount as tax refunded - his employer has admitted that there was a problem with the PAYE software he uses to calculate staff pay. Lesson for our son to always check the full payslip and not just the NETT pay - thing we all fell in to that trap in our younger days

Hi everyone, My son works for a sole trader and yesterday informed my son that due to a PAYE error (which he admits was his mistake) my son had underpaid tax for the past three months and an amendment would be made to this months wages. This morning he checked his pay with the bank and found that his employer had deducted almost £1,000 as the unpaid tax (incidently, he only pays about £1200 for the whole year. He is now left with insufficient funds to pay his rent and other essential bills. His boss freely admits that the error is fully his error. The HMRC haven't notified my son or the employer.

I've just come across this thread - Lowell have recently searched my CR for an 'Administration Review' on an old credit card debt (default no longer shows & debt now SB). This search has effected my credit score which is now lower since Lowell carried out the search - there has been no other changes which would cause a lower score.

as they have 'damaged' my credit score for two years with their 'Administration Review' search, am I correct in thinking that as C1 issued a DF notice & then sent a formal letter trrminating the alledged agreement then a DCA would need my permission to search my file ?

Well no letters from lowlife for a month, last one offered a discount of 75% . However, my credit score has recently dropped, the only thing that has changed is that lowlife made an 'Administration Review' search. According to Noddle, this search can be seen by third parties & can effect applications for credit. BC

Thanks DD, I've ignored all their letters & threats up to now What I cant fathom out is how they claim I'm still working? If they have carried out checks like they have stated, then they know I'm well passed retirement age Beachy

Thanks DD & Sunflower, That's reassuring I'm still tempted to fire off a 'go away' letter, can afford a few stamps for letter tennis as SB date is looming - just concerned that ignoring them full stop could bring BC into play. Beachy

Hi DD, If only things were quiet Getting a letter every two weeks without fail. Latest one was from their 'pre litigation department' informing me that their 'assessment' of my financial status is now complete, and as I'm working (I'm not - State Pension only) and have other credit products (No I haven't) County Court is a realistic option. But then it goes on to say 'We are happy to agree with you any amount you can afford to pay by instalment's. Best regards, Beachy

Me to, although their 'investigations' are incorrect

Thanks for all the advice, see what their next letter contains. Sunflower, great to hear from you, its been a long time I seemed to have been forgotten by C1 when most of the fan club got 'sold off', its been very quiet - not a single contact from C1 until end of last year when lowlife appeared. Not quite SB yet I'm afraid, over 6 years since DN but silly me sent a few payments before I realised the issues. How did you get on with yours?

Hi DD, Hope you are well, any other original Cap1 fan club members around Not quite six years from last payment, but its so close to SB (weeks not months). Beachy

Its been so long and peaceful Was 'sold off' to Lowells mid 2014, I've had no contact with them despite constant emails and letters from them. Two recent letters offered a 20% discount then a couple of weeks later 40% discount. Things seem to have gone up a notch, just received a letter headed 'Pre-Legal Assessment' advising me it has escalated for legal assessment. I can stop it by phoning them and speaking to an account manager(fat chance). Also warns me of the consequences of County Courts (I'm now retired and only income is state pension & in rented accommodation). Feel I may now need to play letter tennis as a delaying tactic (they cannot provide anything different to what C1 have supplied).

Any news "Hacked off" we seem to be on the same path, and been following this closely. I've ignored all letters from Lowells, including one that offered a 20% discount on the 'debt' and a second offering a 40% discount. However just received a stronger 'threat' letter headed Pre-Legal Assessment, in short I've been escalated for legal assessment & if I don't contact them they warn of the consequences of the County Courts. Inclined to contact them for a copy of the CCA (I know they cant provide anything different to what C1 have done) and start playing letter tennis as so close to SB date.

I've been following this thread with great interest, as I'm in exactly the same position. Any updates? I've ignored all their letters & now on letter two from Red offering me to pay 70% of the outstanding balance (£6500), if I don't contact them then the next letter will be from Hamptons Legal as they have searched my credit file (no they haven't). Six months from SB, CP1 have confirmed in writing many years ago they can't provide anything other then a copy of a signed signature strip & their DN is defective.

And so after over 3 years of peace and quiet, DCA letters begin again. Every two weeks letter asking to call them to discuss the account, latest one states that they are disappointed OH hasn't phoned them & that it must be done within ten days of the letter or it will result in account being passed for pre-litigation assessment (had that one before). We will consider legal enforcement of the debt against you or your property (think this is a new type of threat). I'm no longer working & do not receive any form of income or benefit, OH only works two days a week & is currently off work recovering from surgery & we no longer have our own property - so cant see how they can enforce & if so why now after 3 years of silence .