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s1gar

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About s1gar

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  1. i got my sar and my reply from my initial compliant. the standard stuff saying they dont see anything wrong with my application and i ticked the box saying i want ppi. funny thing was though it wasnt ticked on the screenshot they sent. i applied for my sar at the time i got my letter saying the investigation would take 10 weeks because of the back log. anyway they are saying thats the end as far as they are concerned. what do i do next? i know 100% i wouldnt have asked for it because of the way i work and being stung in the past. i am thinking the box may have been pre selected and you have
  2. well how can they prove they've not mis sold it to me if they will only supply 6 years worth of information? or is it up to me to prove i been mis sold it?
  3. hello, I took out a capital one loan in 2003. Because of the way i work (independent contractor through a ltd company) I refuse to have any type of insurance with loans/cards as i have been stung from an insurance that was suggested i took out on a new car i once bought. i was out of work once and tried to claim but was unable to so i have always seen it as a waste of time and never requested or agreed to it since. anyway back to capital one. i got this card in 2003. as far as i am aware i have never asked for ppi insurance. the only reason i can think that it had slipped though is t
  4. just had yet another company offering a pain free liquidation for the sum of 4k + vat. saying that if i have a interview with the OR (which i presume is receiving officer) then i will be chased for taking illegal dividends. are they scarmongering?? i am starting to think how can they offer this service with no comebacks????
  5. i have ceased trading now and the letters have gone out stating this.what happens next?and i am suopposed to submit a vat return at the end of this month so what do i do with that?
  6. i have another question. if i cease trading. what happens to my buisness bank account? do i close it down or do i leave it open but dormant? the problem i may have is its with the same bank as my personal account and they are linked. i.e. i cant get a personal loan without the approval of my buisness manager.
  7. i was thinking last night. the hmrc encourage trading whilst insolvant!!!the lady i spoke to said to pay what i could afford. i told her i was thinking of going insolvant but i did want to pay it off long term. she said pay the 500 for 3 months and to phone back to see where we are and to think more about what i'm going to do. seems strange that they are encouraging me to trade whilst insolvent to pay something to them. i think that is all they are after to be honest. just to get something out of me. but looking back i have been chasing it for 10 years and year after year it because of the hmr
  8. its not all bad. she gave me some very helpful information if they do come personally for me.
  9. i have just had a woman from hmrc calling me. asking for the payment in full. to my surprise i said i would need 2-3 years to pay off what i owe. that wasn't dismissed. i have to get back to her by tomorrow with what i can afford.
  10. i have set up a new company and have my letter ready to tell my creditors i have ceased trading. see below Dear Sir/Madam Account No: _____________________________ I am writing to inform you that xxxxxxx Ltd is technically insolvent and hence has ceased trading as of [date and year] The company has insufficient funds and no assets to formally go in to liquidation and hence invites creditors or members to issue winding up proceedings should you wish to do so. If it is not subject to any formal winding up proceedings the intention is to apply for Strike Off under s100
  11. i have set up a new company and have my letter ready to tell my creditors i have ceased trading. see belowDear Sir/MadamAccount No: _____________________________I am writing to inform you that xxxxxxx Ltd is technically insolvent and hence has ceased trading as of [date and year]The company has insufficient funds and no assets to formally go in to liquidation and hence invites creditors or members to issue winding up proceedings should you wish to do so.If it is not subject to any formal winding up proceedings the intention is to apply for Strike Off under s1003 of the Companies Act after a pe
  12. thats the thing i dont have the money or i would pay it. i want to pay it and would if i had it. just had another company ringing me for 'free' help
  13. toddle have you pm'd me back? i had a email saying i had a message but nothing in my inbox!
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