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mystic_bertie

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Everything posted by mystic_bertie

  1. Hey guys. I was in a temporary job in a factory in Glasgow Scotland, i was working on an assembly line. I was only there for 4 weeks and then they closed for a 2 week holiday, during that time i found a better job. I emailed them well in advance to hand in my notice direct to HR. When i received my final payslip it seems they have deducted £106 for the prescription safety glasses that i ordered with their safety glasses voucher scheme. I have not yet received the safety glasses from the optician. Can they legally deduct this money from my final wage?
  2. Hi guys can anyone please advise me what i should next or do i just let HMRC win this one?
  3. Guys Im really furious. Im just off of the phone after talking to some useless advisor who could not do anything to help me. I gave him as much detailed information as i could because i know exactly what went wrong. I argued the toss in every way i could but i just kept on getting the same answer. I have been told that every possible avenue has been exhausted and there is nothing he can do to help. He said It was 7 years ago and so time has run out to do anything more about his debt. His advice was go onto the Gov website and search for 'mandatory reconsideration not upheld'. He repeated himself so many times but also advised i go and speak to my local MP or CAB. I really dont know what to do next. The fact they held back crucial voice calls from the SAR kind of speaks volumes.
  4. As you said they dont help with how the debt came about but they agreed to take £15 a month for 12 months instead of the £102. So that's a massive help indeed. I was told to call the overpayments helpline and tell them i want to dispute this debt. So i will call them next and see what they say. Many thanks for your wonderful help
  5. Unclebulgaria67 many thanks once again, i could not get through to them., i will try again and let you know how i get on . i appreciate your help ;)
  6. UncleBulgaria67 many thanks for your reply i shall give them a call tomorrow and see what they say. Are these people able to halt my payments for now? Do i need to raise the dispute with them over the phone? London1971 many thanks for your help its much appreciated.
  7. Guys HMRC are deducting over £100 a month from my UC. Someone on here advised me to write a letter to the director and another copy to the well being champion. I have composed my letter but where do i send these 2 letters to as im not sure if its the typical HMRC address or a specific address to get the attention or these people.
  8. thanks for the link that goes to income tax address. I found this will i post to the second address? Tax credit renewal forms Send tax credit renewal forms to this address. You do not need to include a street name or PO box. Couriers should use a different address. Tax Credit Office HM Revenue and Customs BX9 1LR United Kingdom Complaints or change of circumstances Send complaints or changes in your circumstances to this address. You do not need to include a street name or PO box. Make it clear why you’re writing. For example, write ‘change of circumstances’ or ‘complaint’ at the top of your letter. Couriers should use a different address. HM Revenue and Customs Tax Credit Office BX9 1ER United Kingdom Guys is this the right address to try and stop my UC deductions? I picked these guys from the chart as requested but im not sure if this is correct. FAO - Adam Altoft Complaints HMRC - Tax Credit Office BX9 1ER FAO - Karl Khan Complaints HMRC - Tax Credit Office BX9 1ER
  9. Thanks for your reply. I am about to write this letter today, i know who to send it to but what address should i use? I will lay it on thick and hope to get them off my back for now. I think i should attempt to tackle this debt as there is no guarentee i can stay off of UC. Im not sure if this is still possible but i will wait until i receive the new SAR.
  10. Many Thanks for your very helpful reply and Yes your right its just awful how they don't seem to care about the damage they do and just claw it back. When it came to my income, from what i remember i had informed them of a new job which i had just started and it had a much higher wage that my previous earnings. I was anal about informing them of every change right away as i wanted to keep out of trouble. They ended up using my previous years earnings which were much lower for the calculation, i was not aware of this and as a result i was overpaid. By the time i realised it was too late and i was overpaid about £4300. There was 3 calls missing from the SAR and the one where i call them to inform them of the changes is missing surprise surprise! Do i write to these guys below would you agree these are the right people? Many thanks for your idea and i will get a letter sent off right away. Benefits and Credits Operations Adam Altoft (Interim) and Director General, Customer Services Wellbeing Champion Karl Khan** (Interim)
  11. I was working in a Temp job for 3 months and now i am back on UC benefits and HMRC are taking £110 from my benefit money. I already requested the SAR last week. How can i stop them stealing money from me as this is torture. Im not working at the moment and they are forcing me to pay them back money i have disputed already and failed. I sent the 2 dispute letters to HMRC in the past. HMRC told me that 'i had done the 2 stages of the dispute'. I then wrote to the AO and they told me i had not followed the correct dispute procedure with HMRC although HMRC told me i had. I still have the old SAR that i received and there is a web chat there where the advisor verifies the above.
  12. Ok great will get onto that its good to see they now have it online. I found the letters i sent to HMRC and these are my 2 tiers of the dispute so i dont know why HMRC claimed i had not done this to the AO.
  13. Hi Dx thanks for your reply Can i request that they prove the debt is legitimate? on the tax credit casualties website it says there are 2 tiers to the dispute process so i assumed i have not done the tier 2 to their satisfaction but i thought i had. The AO would not entertain me.
  14. Hi Dx many thanks for your reply. I did not know this at the time as i could not be bothered with the hassle at the time and i assumed that you cant avoid these HMRC tax credits overpayment debts. I have done the SAR and wrote to them on a few occasions and wrote to the AO but as i said i was told i had not followed the correct procedures. So i gave up. What should i do next? I am prepared to dispute it again or do what it takes to get rid of this debt caused by HMRC.
  15. Hi guys. I started a thread in 2015 regarding tax credit overpayments see the link below. I still owe HMRC £1400 according to them. I thought i had followed the right dispute process and when i wrote to the AO and i was told i had not followed the correct dispute process with HMRC i gave up. I ended up paying £25 a month to a collection agency and i have reduced the debt by £940, i had to stop these payments because of job loss during the lockdown. Now they have sent a fresh demand for the outstanding £1409. I'm in employment now but i still don't think i should pay this back as it was their mistake that these overpayments happened. Is this debt statue barred now by any chance?
  16. Thanks for your reply and help. I understand what your saying and these agreements were verbal or by text. It looks like find her address is something i need to concentrate on for now. Thanks for your reply i hope it does not come to that but as it has been said it might not be an affordable option.
  17. Im afraid that it sounds like im going to have to try and do the best myself. Im not sure if investigators have more powers or not to find out things i cant. Yes your right i dont want to be accused of harassment too as that's the kind of thing she would do. I will take a read through the link you provided and see what i think. If i knew this was going to happen i would have try and prepared myself with the right information in advance but now i dont have much to go on. Many thanks for your help
  18. Ok many thanks for your reply. I can count her lawyer out. The service stations are a handful in a certain area which must be not far from Deeside so not too many can be 24 hr and accommodate trucks etc so im thinking 8 places max. Long shot i know but i dont have much chance using other means. Are investigators expensive? All i have is a few old texts from her agreeing to pay me back one day once her divorce is final and references to her waiting for updates from her lawyer, her divorce has been dragged out for 4 years and covid has made it worse. I trusted i would get it back one day. Yes thats right it has not been settled but the dates keep getting moved and moved and her lack or reassurance to me made me more and more concerned. Now she has blocked me and is completely ignoring me.
  19. Hi thanks for your reply. There is no agreement im afraid. There may be old texts from her agreeing to pay me back one day but probably not the amount mentioned. I would be able to get statements from the bank showing the transaction and any paypal transactions too. I would be able to get bank statements but there is no agreement. Maybe some old texts of hers agreeing to pay me back one day but i dont think an amount is ever mentioned. i dont have an address, just her old address, i have her date of birth, her married name, her phone number, her bank account details. She does not own her own home but she has her divorce settlement coming up in the coming months so she might well have the amount owed. She does not have her own home. She has a new account on social media etc and i dont have a clue where to start. She is smart enough not to use her name to avoid me finding her. I dont know where she works other than its a shell station in North Wales. Im in Glasgow so it makes detective work very hard. I was hoping lawyers would have ways of tracking down someone for legal purposes similar to your credit ratings with old addresses and married name and date of birth. i might have some sort of a leg to stand on if i did have her address. I might have old texts from her agreeing to pay back the money one day but she never specifies an amount. I would be able to get bank statements to back everything up and possibly paypal statements. She has had a lot of involvement with police, social workers, [remark removed] and so on but i would imagine nobody is likely to tell us her address. I do not know these people but i have found on Facebook her ex sister in law and father in law, they probably dont like her but im not sure if contacting them would backfire in some way. She works in a 24 hour shell station in North Wales that trucks etc use, i dont know which one, i was wondering if i should phone each one in that area and ask if she is working today. If i did find that out, i would need to try and go there from Glasgow and follow her home. Is it any good if i find out who her lawyer is who is handling her divorce as its been going on for a few years but again i only know the lawyers first name and that its a lawyers firm across the road from Chester Magistrates Court.
  20. Hi Folks I was in a turbulent relationship that ended last year. 3 years ago i gave my ex many thousands of pounds to borrow to pay for her legal fees, this was for her divorce from her husband and also restraining orders against him and to help with her living costs. I cant give an exact amount but we agreed she pays me £7k back although this is much less than she truly owes me and I'm not in a position to argue and hope to get anything back. Im very far away from her and so im unable to sort this out face to face. She has blocked my phone number and sent me texts to say she owes me nothing. She was meant to pay me back once she got her divorce settled from her ex husband (before i met her). Now my stress is through the roof as im in so much debt because of her. Should i find a lawyer who can pursue this for me. I know her married name and her previous address, im not 100% sure of her date of birth aim not sure a rough guess helps, i have no address because she has moved, i dont have her NS number either. Is it possible for a lawyer to find her. Like many people right now i dont have much money to spare, im trying to slowly get my life back together, im struggling financially and i cant afford to be paying lawyers fees right now. I am also in a temp job and im paid £1750 a month and im on a 3 month contract. I dont know if i will get legal aid. Im in Scotland and she is in England. Guys what do you suggest i do from here?
  21. Just a quick update. I managed to convince Halifax to keep my account going for another 3 months and they will freeze the charges for this period. I told them i am receiving housing benefit of 495 pounds each month and i will let the accumulate in my account. So im quite confident i can clear my overdraft in that time. Many thanks for everyone's help so far ;)
  22. Many thanks for your reply. I understand better now. I will try and avoid this happening but if it does i will hopefully have time to do something about it if i can.
  23. Thanks again for your reply, it did not occur to me that they dont notify you so it a bit of a risk. Thats for clearing that up mate.
  24. Thanks for your reply. With regards to borrowing to clear the debt. At the end of the day the debt amount would be the same. I just want to avoid a default. If they do take months before the default is applied, would clearing the debt before this happened prevent a default? When i call them back up i could ask them to give me more time if i intend to sell my car which could be worth 6k. They said i need to call them they were quite insistent about that. The charges on the account are only interest at this point but i dont know if i will be hit with unfair fees at a later date. I have opened 1 account so im going to open a Monzo account as well tomorrow.
  25. Thanks for your reply. With regards to borrowing to clear the debt. At the end of the day the debt amount would be the same. I just want to avoid a default. If they do take months before the default is applied, would clearing the debt before this happened prevent a default? When i call them back up i could ask them to give me more time if i intend to sell my car which could be worth 6k. They said i need to call them they were quite insistent about that. The charges on the account are only interest at this point but i dont know if i will be hit with unfair fees at a later date. I have opened 1 account so im going to open a Monzo account as well tomorrow.
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