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    • No I'm not. Even if I was then comments on this forum wouldn't constitute legal advice in the formal sense. Now you've engaged a lawyer directly can I just make couple of final suggestions? Firstly make sure he is fully aware of the facts. And don't mix and match by taking his advice on one aspect while ploughing your own furrow on others.  Let us know how you get on now you have a solicitor acting for you.
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    • Thank you for your reply, DX! I was not under the impression that paying it off would remove it from my file. My file is already trashed so it would make very little difference to any credit score. I am not certain if I can claim compensation for a damaged credit score though. Or for them reporting incorrect information for over 10 years? The original debt has been reported since 2013 as an EE debt even though they had sold it in 2014. It appears to be a breach of the Data Protection Act 1998 Section 13 and this all should have come to a head when I paid the £69 in September 2022, or so I thought. The £69 was in addition to the original outstanding balance and not sent to a DCA. Even if I had paid the full balance demanded by the DCA back in 2014 then the £69 would still have been outstanding with EE. If it turns out I have no claim then so be it. Sometimes there's not always a claim if there's blame. The CRA's will not give any reason for not removing it. They simply say it is not their information and refer me to EE. More to the point EE had my updated details since 2022 yet failed to contact me. I have been present on the electoral roll since 2012 so was traceable and I think EE have been negligent in reporting an account as in payment arrangement when in fact it had been sold to a DCA. In my mind what should have happened was the account should have been defaulted before it was closed and sold to the DCA who would then have made a new entry on my credit file with the correct details. However, a further £69 of charges were applied AFTER it was sent to the DCA and it was left open on EE systems. The account was then being reported twice. Once with EE as open with a payment arrangement for the £69 balance which has continued since 2013 and once with the DCA who reported it as defaulted in 2014 and it subsequently dropped off and was written off by the DCA, LOWELL in 2021. I am quite happy for EE to place a closed account on my credit file, marked as satisfied. However, it is clear to me that them reporting an open account with payment arrangement when the balance is £0 and the original debt has been written off is incorrect? Am I wrong?
    • OMG! I Know! .... someone here with a chance to sue Highview for breach of GDPR with a very good chance of winning, I was excited reading it especially after all the work put in by site members and thinking he could hammer them for £££'s and then, the OP disappeared half way through. Although you never know the reason so all I can say is I hope the OP is alive and well regardless. I'd relish the chance to do them for that if they breached my GDPR.
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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Child tax credit repayments.....


Akrotiri
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Hi just wondering if anyone can help.

 

I am hugely embarrassed to admit that I have claimed child tax credits for 2 years but 8 mnths ago moved in with my new partner and did not notify HMRC.

 

I know that I have done wrong, but at the time was struggling financially and my partner had his own debt issues, so kept our finances separately and was determined to be able to continue to support my son on my own.

 

However as we are more established as couple now, and my son has settled here well, we would like to make our relationship more official, and I would like to 'confess' and pay back those mnths that I shouldn't have claimed, but am so scared of the consequences.

 

Having used their online calculator I don't think we would be eligible as a joint claim as I have had a modest but significant pay rise and my partner, who is self employed, has had things pick up for him too.

 

I have tried calling their help line today but not yet managed to get through so was wondering if appropriate to write a hugely apologetic letter explaining the situation, and ask for an overpayment balance? If my calculations are right it is not a huge amount and could hopefully pay it straight off, but am worried about having a fine on top.

 

I know honesty is the best policy, and have never even had a parking ticket, so am struggling to know how to deal with a. my deceipt and b. the consequences......

 

Thanks in advance for any advice.

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Hello and welcome to CAG.

 

I think you're doing the right thing and I hope the tax credit people aren't hard on you. As far as I remember most people have spoken to tax credits on the phone, but hopefully other people will advise about writing.

 

Please have a read around the forum for tax credit threads, plenty of people have come through this by being honest.

 

Best, HB

Illegitimi non carborundum

 

 

 

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