Thyankyou again for the info, I thought because benefits are classed as the queens money they could enforce whenever?? I could be wrong.

As you say its been 7 years and Ive been a claimant since why has nothing been done about this over the 7 years and now sent through a Debt Collection Company when small deductions could have been made to my existing claim ??? There will surely be charges applied by the Debt Company

Hadituptohere

Thank you unclebulgaria

I mentioned on the telephone to the Tax Credits that I have not seen this overpayment notice hence requesting the bill myself, I was told that as the claim was a joint claim and that both of our names were on the overpayment notice it didnt matter if Id not been made aware as they had fulfilled their side of things by addressing it to both claimants???

I will do as you have recommended and basically put the account in dispute and notify LCS of this.

Hadituptohere

Hiya

Ive opened my mail this morning to find a letter from LCS Debt Recovery for Tax Credits Debt of £2655.00 which has just floored me .

Ive rang the Tax Credit enquiries line to find out where this has arisen and been informed its from the years 2008/2009.

Ive been divorced since 2010 and continued claiming Tax Credits ever since as I was lucky enough to have my children live with me.

Apparently the amount claimed ny the recovery team is only half of the amount, Ive informed Tax Credits that I wasnt aware of the overpayment and had never seen the paperwork that they have sent through that year or I would have arranged repayment and to not hear anything for 7 years then a Debt Collection letter land through my door has left me in shock.

The Tax credit representative has put in the post to me the overpayment bill for that year and the calculations made so I can see it for my own eyes.

Im now living with my partner who is disabled and she claims ESA for the 2 of us and have 2 14 year old boys and a 9 year old girl.

As ive said this has really floored me and my partner has serious health issues that are stress related and has to avoid stress at all costs and this bill for £2655.00 isnt helping the situation and its from my previous marriage.

Can anyone advise what I can do or help in this matter plz?? Ive been told by the tax credits to contact the debt company and arrange payment.

They also stated that the paperwork can take upto 12 weeks to come through and that the Collection would continue during this period, and that there is a dispute letter I can complete but im afraid once the payments start with the Debt company its acknowledgment of the debt and once the debt collection company get their teeth in they dont let go.

Hadituptohere

Thankyou andrew1, dx and Martin.

Hadituotohere

it may be the reason I came here but have uncovered other sides to the initial mortgage agreement, sorry should I start another thread regarding the other issues maybe in the legal forum??? didnt want to start a new thread and have it merged that was all..

Hadituptohere

sorry I'm asking questions as Kensington aren't playing ball

and you advised to walk away from a fight with them due to costs,

GE money aren't playing ball with the SAR and I've come across the miss selling of mortgages

and hiden commissions paid that are unlawful which I'm sure the initial mortgage was,

there is the fact that I want to remove my ex wife of the mortgage

but if initially there was fault or unlawful actions its something I would want to proceed with.

. I have an appointment with my solicitor regarding the TR1 next week.

Hadituptohere

I have had a read of that before posting the question, and read that institutions are not obliged to send copies of documents, as they quoted but with the response earlier saying that the ICO or a court of law wouldn't like their reply I thought I would ask, what I learnt/had read on here whilst dealing with other companies I was under the impression they had to send copies of anything that was relevant to the requester?

Hadituptohere

And the possibility of secret commissions paid to the broker

Hadituptohere

Thats their interpretation of a SAR, doubt the ICO will see it the same way, or a court for that matter

Ive just gone through GE moneys response to my SAR, they state:

"Where a document requested contains no personal data or where the personal data contained in the document has already been provided within this letter , we reserve the right to decline the request.

A subject Access request provides a right to see the information contained in personal data rather than the right to see the documents that include the information".

Is this fact or is it GE hiding something????

Ive been reading up on secret commisions paid to brokers, which this mortgage was advised to take out by the broker and there was no alternative mortgage offered.

looking down the lines of broker acting illegally.

Hadituptohere

" just wondered what anyone else thinks about the legalities of the transfer between GE and Kensington and if it is challengeable"

Given that GE was prepared to do a Transfer of equity but yet kensington are saying that the option isnt available, despite Kensington have sent out a list of charges permitted to the account???

Anyone please..

Hadituptohere

I know... but when entering the payments on the Calc sheet ive been having to work out the monthly instalment into weekly and then the PPI % thats all... over thinking it I know, and youve cleared that up

ive got it now thanks again dx

Hadituptohere

Thats what ive just been looking at... made myself look really dumb going through the figures as we speak, doesnt help with my son in law playing medal of honour at full blast in the room beside me.

29% is 95.49

Hadituptohere

Ive thrown myself calculating the weekly payments made then switching to monthly.. no excuse I know

Hadituptohere

urm what about the 35% interest dummy....

Should i be doing something about the 35% interest???

no sorry this loan was taken out some 7 years later, a 4th loan the previous 3 rolled into each other.

Hadituptohere

thats what I was thinking.. ifc the PPI was 2660.31 over 48 months thats 55.42pm ?????

Hadituptohere

agreement.pdf

So it's 329.31 monthly repayment divided by 9160.31 x 100 = 3:59%

When I worked as a Residential Lettings Manager the perk ok collecting weekly rents yielded 53 payments per year instead of 52.. just a thought

 

Hadituptohere

Ill correct myself here.. if you pay weekly you receive 13 months payments in 12 months.

just struggling with this one, £329.31 payment p/m, £9160.31 total credit over 48 months PPI cost £2660.31 sorry again being thick

Hadituptohere

Cool Done, and will continue with the rest of the loans..

What about the 4 payments after the transfer out?

THANKYOU for your help dx

Hadituptohere

second page was refinanced on the 21/12/1999....

Next aggrement...

Hadituptohere

welcome 4.pdf

welcome 5.pdf

welcome 3.pdf

Full agreement from 1999

Hadituptohere

When I worked as a Residential Lettings Manager the perk ok collecting weekly rents yielded 53 payments per year instead of 52.. just a thought

Hadituptohere

As requested:

I thought monthly= 18x4.4 sorry is that me being thick??

welcome 2.pdf

welcome ppi.pdf

And to make things worse welcome was taking direct debits weekly, the monthly payment was £71.56 but welcome took £18.00 per week ???

Hadituptohere

But when I look at the account payment history it states insurance premiums advanced £134.29 which happens to be the PPI + the acceptance fee. Ok ill just go minus the acceptance fee, thankyou

Hadituptohere

Might be a silly question but do I include the Acceptance fee??

Hadituptohere