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    • Hi LFI, Your knowledge in this area is greater than I could possibly hope to have and as such I appreciate your feedback. I'm not sure that I agree the reason why a barrister would say that, only to get new customers, I'm sure he must have had professional experience in this area that qualifies him to make that point. 🙂 In your point 1 you mention: 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver. I understand the point you are making but I was referring to when the keeper is also the driver and admits it later and only in this circumstance, but I understand what you are saying. I take on board the issues you raise in point 2. Is it possible that a PPC (claimant) could refer back to the case above as proof that the motorist should have appealed, like they refer back to other cases? Thanks once again for the feedback.
    • Well barristers would say that in the hope that motorists would go to them for advice -obviously paid advice.  The problem with appealing is at least twofold. 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver.  And in a lot of cases the last thing the keeper wants when they are also the driver is that the parking company knows that. It makes it so much easier for them as the majority  of Judges do not accept that the keeper and the driver are the same person for obvious reasons. Often they are not the same person especially when it is a family car where the husband, wife and children are all insured to drive the same car. On top of that  just about every person who has a valid insurance policy is able to drive another person's vehicle. So there are many possibilities and it should be up to the parking company to prove it to some extent.  Most parking company's do not accept appeals under virtually any circumstances. But insist that you carry on and appeal to their so called impartial jury who are often anything but impartial. By turning down that second appeal, many motorists pay up because they don't know enough about PoFA to argue with those decisions which brings us to the second problem. 2] the major parking companies are mostly unscrupulous, lying cheating scrotes. So when you appeal and your reasons look as if they would have merit in Court, they then go about  concocting a Witness Statement to debunk that challenge. We feel that by leaving what we think are the strongest arguments to our Member's Witness Statements, it leaves insufficient time to be thwarted with their lies etc. And when the motorists defence is good enough to win, it should win regardless of when it is first produced.   
    • S13 (2)The creditor may not exercise the right under paragraph 4 to recover from the keeper any unpaid parking charges specified in the notice to keeper if, within the period of 28 days beginning with the day after that on which that notice was given, the creditor is given— (a)a statement signed by or on behalf of the vehicle-hire firm to the effect that at the material time the vehicle was hired to a named person under a hire agreement; (b)a copy of the hire agreement; and (c)a copy of a statement of liability signed by the hirer under that hire agreement. As  Arval has complied with the above they cannot be pursued by EC----- ------------------------------------------------------------------------------------------------------------------------------------------------------------------- S14 [1]   the creditor may recover those charges (so far as they remain unpaid) from the hirer. (2)The conditions are that— (a)the creditor has within the relevant period given the hirer a notice in accordance with sub-paragraph (5) (a “notice to hirer”), together with a copy of the documents mentioned in paragraph 13(2) and the notice to keeper; (b)a period of 21 days beginning with the day on which the notice to hirer was given has elapsed;  As ECP did not send copies of the documents to your company and they have given 28 days instead of 21 days they have failed to comply with  the Act so you and your Company are absolved from paying. That is not to say that they won't continue asking to be paid as they do not have the faintest idea how PoFA works. 
    • Euro have got a lot wrong and have failed to comply with the Protection of Freedoms Act 2012 Schedule 4.  According to Section 13 after ECP have written to Arval they should then send a NTH to the Hirer  which they have done.This eliminates Arval from any further pursuit by ECP. When they wrote to your company they should have sent copies of everything that they asked Arval for. This is to prove that your company agree what happened on the day of the breach. If ECP then comply with the Act they are allowed to pursue the hirer. If they fail, to comply they cannot make the hirer pay. They can pursue until they are blue in the face but the Hirer is not lawfully required to pay them and if it went to Court ECP would lose. Your company could say who was driving but the only person that can be pursued is the Hirer, there does not appear to be an extension for a driver to be pursued. Even if there was, because ECP have failed miserably to comply with the Act  they still have no chance of winning in Court. Here are the relevant Hire sections from the Act below.
    • Thank-you FTMDave for your feedback. May I take this opportunity to say that after reading numerous threads to which you are a contributor, I have great admiration for you. You really do go above and beyond in your efforts to help other people. The time you put in to help, in particular with witness statements is incredible. I am also impressed by the way in which you will defer to others with more experience should there be a particular point that you are not 100% clear on and return with answers or advice that you have sought. I wish I had the ability to help others as you do. There is another forum expert that I must also thank for his time and patience answering my questions and allowing me to come to a “penny drops” moment on one particular issue. I believe he has helped me immensely to understand and to strengthen my own case. I shall not mention who it is here at the moment just in case he would rather I didn't but I greatly appreciate the time he took working through that issue with me. I spent 20+ years of working in an industry that rules and regulations had to be strictly adhered to, indeed, exams had to be taken in order that one had to become qualified in those rules and regulations in order to carry out the duties of the post. In a way, such things as PoFA 2012 are rules and regulations that are not completely alien to me. It has been very enjoyable for me to learn these regulations and the law surrounding them. I wish I had found this forum years ago. I admit that perhaps I had been too keen to express my opinions given that I am still in the learning process. After a suitable period in this industry I became Qualified to teach the rules and regulations and I always said to those I taught that there is no such thing as a stupid question. If opinions, theories and observations are put forward, discussion can take place and as long as the result is that the student is able to clearly see where they went wrong and got to that moment where the penny drops then that is a valuable learning experience. No matter how experienced one is, there is always something to learn and if I did not know the answer to a question, I would say, I don't know the answer to that question but I will go and find out what the answer is. In any posts I have made, I have stated, “unless I am wrong” or “as far as I can see” awaiting a response telling me what I got wrong, if it was wrong. If I am wrong I am only too happy to admit it and take it as a valuable learning experience. I take the point that perhaps I should not post on other peoples threads and I shall refrain from doing so going forward. 🤐 As alluded to, circumstances can change, FTMDave made the following point that it had been boasted that no Caggers, over two years, who had sent a PPC the wrong registration snotty letter, had even been taken to court, let alone lost a court hearing .... but now they have. I too used the word "seemed" because it is true, we haven't had all the details. After perusing this forum I believe certain advice changed here after the Beavis case, I could be wrong but that is what I seem to remember reading. Could it be that after winning the above case in question, a claimant could refer back to this case and claim that a defendant had not made use of the appeal process, therefore allowing the claimant to win? Again, in this instance only, I do not know what is to be gained by not making an appeal or concealing the identity of the driver, especially if it is later admitted that the defendant was the driver and was the one to input the incorrect VRN in error. So far no one has educated me as to the reason why. But, of course, when making an appeal, it should be worded carefully so that an error in the appeal process cannot be referred back to. I thought long and hard about whether or not to post here but I wanted to bring up this point for discussion. Yes, I admit I have limited knowledge, but does that mean I should have kept silent? After I posted that I moved away from this forum slightly to find other avenues to increase my knowledge. I bought a law book and am now following certain lawyers on Youtube in the hope of arming myself with enough ammunition to use in my own case. In one video titled “7 Reasons You Will LOSE Your Court Case (and how to avoid them)” by Black Belt Barrister I believe he makes my point by saying the following, and I quote: “If you ignore the complaint in the first instance and it does eventually end up in court then it's going to look bad that you didn't co-operate in the first place. The court is not going to look kindly on you simply ignoring the company and not, let's say, availing yourself of any kind of appeal opportunities, particularly if we are talking about parking charge notices and things like that.” This point makes me think that, it is not such a bizarre judgement in the end. Only in the case of having proof of payment and inputting an incorrect VRN .... could it be worthwhile making a carefully worded appeal in the first instance? .... If the appeal fails, depending on the reason, surely this could only help if it went to court? As always, any feedback gratefully received.
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Received HMRC letter about tax credits. What do I tell them?


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Hi Can someone please help or advise!!!!!!, I have been claiming Tax credits for years as a single parent with my partner actually living with me, God I know how stupid this has been we both work anc claim nothing else.I received a letter from HMRC on Friday regarding my award for 2011 - 2012 and have stated they know my partner is at the address and why we have not made a joint claim.Im sick with worry and its making me ill I have not slept since receiving the leter, basically my partner ownes the house we live in he pays the mortgage, council tax, water, house insurances, tv license and I pay the gas, electric, phone, food.Im not sure how after all these years they have finally caught up with us but they have so im going to tell them that me and my partner have had a stormy relationship and he has not been living with me for years although he has paid the above mentioned bills for the sake of the kids and he has basically been living at his mothers on and off. Im going to tell them he moved back in last September as we have decided to give it a go although this is all not quite true but I dont know what else to do as the amout we could end up paying back could kill us if they go back that far.Im going to the CAB tomorrow to see if they can help all we want to do now is get off this system pay back something and get on with our lives.Please can someone help do you know how far back they go and what would be their next move if I submit this side of the story.I know I have done wrong and god im so sorry for that Please please please help or advise the best course of action as I dont want to pay 60 or 70k back and I would rather die than go to prison

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Welcome to the site.

Although no one is here to be judge and jury,the CAG does not support fraud,dishonesty,or attempts to undermine investigations by giving untrue accounts.

There are people here who can give you some good advice and inform of procedures,but would expect to see that for your part,you are going to be upfront and open about the issues.

Up to you at the end of the day of course.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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What's done is done and it's how to deal with it going forward. A friend of mine had an interview under caution for very different reasons, and they went back about 4 years. I daresay they could go back further.

 

Bear in mind that if HMRC find you are not telling the truth you will make it worse for yourself. Also by saying your partner was with his mother, depending if she is claiming anything, eg 25% council tax benefit for living alone (if she does), that could lead to her being investigated too when she's done nothing wrong. Would she back you up if it meant getting into trouble herself?

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Hi

Although my situation was different to yours, I had no proof that my husband didn't live with me as the person he lived with claimed benefits and wouldn't allow him to say he lived there. Anyway, my husband did come back to live with me in 2010 but we were not reunited as a couple. I had many personal and health issues that i needed him to help me with and he was very depressed following personal circumstances of his own. Anyway, i also got the dreaded letter for the years 2010 - 2011 and 2011 and 2012 and to cut a very long and stressful story short, I wrote to them (with the help of CAB) and outlined my circumstances. to be honest, i don't think they really care what your circumstances have been and if they can link you and your partner/husband financially then as far as they are concerned you aren't entitled to claim as a single parent. I also waited weeks and weeks on a reply and finally received a letter asking me to pay back £13,000. I have recently contacted them and they want £100 a month off me for the next 10 years (or something) and i am due to ring them back with a list of my expenditures so i can haggle with them about reducing the amount I'm expected to pay. I was also concerned that they'd go back over years and years but they didn't. they just stuck to the years on the letter. try not to worry as soon you'll see light at the end of the tunnel. :-)

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so scared going to prison as what will happen to my kids.

 

This is precisely why you are unlikely to go to prison, although you may need to pay the money back over time.

 

Maybe this is a good time to take stock and see what you can do to sort out your debt problems so that you can cope better going forward, especially as it is likely that you'd have to pay the money back, even if it is over a long period of time like gildo.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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I'm going talk to cab tommrow morning. But what I'm really scared now is shall I just tell them of the year they asked me about Or admit never using childcare. I was paying friend mine look after them who is not a registered childminder and who no longer lives in the country.

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Thank you gildo. I hope you get things back on track and your feeling better. It's just a hole that kids bigger and I can't see no light. I feel like bad mum can't give them what they need. They go with out shoes cloths sometimes as I just don't have money.

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Hi

Although my situation was different to yours, I had no proof that my husband didn't live with me as the person he lived with claimed benefits and wouldn't allow him to say he lived there. Anyway, my husband did come back to live with me in 2010 but we were not reunited as a couple. I had many personal and health issues that i needed him to help me with and he was very depressed following personal circumstances of his own. Anyway, i also got the dreaded letter for the years 2010 - 2011 and 2011 and 2012 and to cut a very long and stressful story short, I wrote to them (with the help of CAB) and outlined my circumstances. to be honest, i don't think they really care what your circumstances have been and if they can link you and your partner/husband financially then as far as they are concerned you aren't entitled to claim as a single parent. I also waited weeks and weeks on a reply and finally received a letter asking me to pay back £13,000. I have recently contacted them and they want £100 a month off me for the next 10 years (or something) and i am due to ring them back with a list of my expenditures so i can haggle with them about reducing the amount I'm expected to pay. I was also concerned that they'd go back over years and years but they didn't. they just stuck to the years on the letter. try not to worry as soon you'll see light at the end of the tunnel. :-)

 

Thank you so much although my mind is not at rest you have made me feel a little better did they ask to interview you? thank you

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What's done is done and it's how to deal with it going forward. A friend of mine had an interview under caution for very different reasons, and they went back about 4 years. I daresay they could go back further.

 

Bear in mind that if HMRC find you are not telling the truth you will make it worse for yourself. Also by saying your partner was with his mother, depending if she is claiming anything, eg 25% council tax benefit for living alone (if she does), that could lead to her being investigated too when she's done nothing wrong. Would she back you up if it meant getting into trouble herself?

 

Thank you for your advice it is so much appreciated, we have spoken to his mother this weekend and she does already pay full council tax as his brother lives there and she is still working and would confirm on his behalf if it came to that I just hope it doesn't im at my witts end and have never felt so ashamed and lost with not knowing which way to turn in my life.

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Thank you so much although my mind is not at rest you have made me feel a little better did they ask to interview you? thank you

 

Nope not asked imiterview just received review letter wanting proof of child care cost

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Thank you for your advice it is so much appreciated, we have spoken to his mother this weekend and she does already pay full council tax as his brother lives there and she is still working and would confirm on his behalf if it came to that I just hope it doesn't im at my witts end and have never felt so ashamed and lost with not knowing which way to turn in my life.

 

I would still try and keep it honest. You just don't know what information they may have, and it just takes one wrong word to throw doubt on all that you say. Even if your OH's mother backs you up, you aren't going to be able to provide proof of child care payments so that's not really going to help.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Hi

 

Im in the same boat , i sent letter admitting i was stupid and i couldnt prove to their satisfaction my partner was not living with me as its his house . Its been nearlly 2 weeks so im nervous as hell . If i go to court i will lose my job and could not face anyone in my family again . I totally deserve it to be fair . I do feel better reading peoples accounts of just being made to pay it back im praying im not the one they use to make a example of :( . Good luck to u all and ill update u if i hear anything .

P.s CAB advised me to write to them as i can get my point across without feeling under pressure .

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It may be that his mother pays full council tax, but they know who lives at that address. Your partner won't likely be on the electoral roll at his parents for all the years involved and this is one of the main points of a Compliance investigation's evidence.

 

I would be as honest as possible because the following : - he went back to his mums, he works away - are two of the most common statements made during fraud investigations by claimants during the initial stages or at IUC for an investigation into a single claim. The fact his parents or extended family have agreed to lie for you is perverting the course of justice. If this goes to down a non-civil route (which it will if you lie to them), then they will be involved. Don't forget, they don't just send these letters out randomly, these cases are picked up months, sometimes years before they attempt to give you a chance to confess. They have contacted you now because they believe they have enough evidence.

 

It seems to have been missed on all the forums but it was agreed last week that there is going to be a minimum penalty - an on the spot fine for any benefit fraud and they are going to start moving away from the "non-civil" routes. This is due to the changes coming in with UC and to prevent benefit fraud. Considering the fines go up into the thousands, it will work.

 

As mentioned, they have the power to go back many years. To be completely frank with you and to give you as honest an answer as possible; your planned response would ring bells for me due to it's similarity to other stories given and because the evidence they will have is that he paid the bills. To claim as a single person you must prove that you are not financially linked, which by him paying your bills you are. This is the reason the claims are all being stopped and people have these overpayments. Not because the partner was living with the claimant but because he was paying for them. A single person gets more precisely for this reason - they are supposed to be paying alone.

 

You have all the utilities, TV license, insurances in his name. Then you add the childcare into it. I would get down to the CAB and discuss making savings and planning control of any debts you have, because you are going to need it.

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I said i had recieved the letter and when . I explained he owns the house and although i pay every bill i can not prove to their satisfaction that we are not a couple because its his home . I admitted he had moved in 5 weeks ago as he wants his home back and im on council list . I excepted i was stupid and naive for not telling them and i would like to resolve the matter asap.I also explained he helps with his son who has ADHD so has been at the home . Also he owns house i cant stop him getting credit from this address . I also said i didnt want a joint claim as we ARE NOT a couple . Rubbish i know,CAB told me to be honest . I called monday to see if they had letter but they said it takes 2 weeks for them to get it ... more waiting

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It may be that his mother pays full council tax, but they know who lives at that address. Your partner won't likely be on the electoral roll at his parents for all the years involved and this is one of the main points of a Compliance investigation's evidence.

 

I would be as honest as possible because the following : - he went back to his mums, he works away - are two of the most common statements made during fraud investigations by claimants during the initial stages or at IUC for an investigation into a single claim. The fact his parents or extended family have agreed to lie for you is perverting the course of justice. If this goes to down a non-civil route (which it will if you lie to them), then they will be involved. Don't forget, they don't just send these letters out randomly, these cases are picked up months, sometimes years before they attempt to give you a chance to confess. They have contacted you now because they believe they have enough evidence.

 

It seems to have been missed on all the forums but it was agreed last week that there is going to be a minimum penalty - an on the spot fine for any benefit fraud and they are going to start moving away from the "non-civil" routes. This is due to the changes coming in with UC and to prevent benefit fraud. Considering the fines go up into the thousands, it will work.

 

As mentioned, they have the power to go back many years. To be completely frank with you and to give you as honest an answer as possible; your planned response would ring bells for me due to it's similarity to other stories given and because the evidence they will have is that he paid the bills. To claim as a single person you must prove that you are not financially linked, which by him paying your bills you are. This is the reason the claims are all being stopped and people have these overpayments. Not because the partner was living with the claimant but because he was paying for them. A single person gets more precisely for this reason - they are supposed to be paying alone.

 

You have all the utilities, TV license, insurances in his name. Then you add the childcare into it. I would get down to the CAB and discuss making savings and planning control of any debts you have, because you are going to need it.

 

Thank you for you note it has given me some food for thought Im terrified and know this is going to destroy us

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Caly it doesn't have to destroy you, ony will if you let it.

 

Just co-operate with the questions they ask and answer as honestly as possible. If you do this they will treat you more favourably than if you cover something up.

 

When they decide what action they will take, they will likely set up a repayment arrangement. It is still proceeding by non civil routes for these cases, only cases where the claimants have been difficult or evasive are prosecutions or high value cases.

 

You need to start planning a budget so that when your tax credits are changed you can adapt as best as possible, the CAB can help you to do this.

 

Thousands of people have been and are currently in this situation. If you speak to the majority who have overpayments on forums (because no-one admits it in real life) they will tell you that being caught turned out to be the best thing because the weight and burden was lifted. Although they had less money, they were glad to finally have things out in the open. I am sure once your case is dealt with, you will be the same, whatever outcome.

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Caly it doesn't have to destroy you, ony will if you let it.

 

Just co-operate with the questions they ask and answer as honestly as possible. If you do this they will treat you more favourably than if you cover something up.

 

When they decide what action they will take, they will likely set up a repayment arrangement. It is still proceeding by non civil routes for these cases, only cases where the claimants have been difficult or evasive are prosecutions or high value cases.

 

Thank you Susi so much I really appreciate the time you have taken to explain it is most appreciated, I know I have been stupid and I totally agree with what you say about getting out of this system as I have deep down wanted to get off it. Do you know the average sorts of time they look back as my letter stated the claim for 2011 - 2012 and I was told that this is all they are interested in. All i want is for them to tell me what I owe and the penalty so I can work something out and get on with my life.

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It is different for everyone Caly. With some it is only a small portion of time, others they want to go back. But as I said and I cannot stress this enough to you - how you act and behave towards them can be the deciding factor.

 

Get any information you think you might need and answer the questions they put to you. That's all you have to do. Give honest and truthful answers to what is aked of you.

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So many others appear to be in a similar position.Best to start your own threads so it does not get confusing,of course nothing to stop continuing to share info or questions.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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  • 1 year later...

Could you tell me what happened to you in the end as I am going through the same thing now, Im so scared of what will happen. I hope you dont mind me asking. Im just about to post a letter to them as i cant get through on the phone,(thank god as i feel sick when i ring)

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Hi jayne10,

 

The original poster on this thread has not been back on the site since November last year, it's doubtful they will reply to your post.

Best thing to do would be to start a new thread of your own explaining your situation and I'm sure you'll get help and advice.

 

Regards,

 

Scott.

Any advice I give is honest and in good faith.:)

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