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About Massamum

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  1. Was my loan account. Does it make a difference?
  2. Thank you so much for your quick responses and I am over the moon to hear that. Such a relief, thank you for putting my mind at ease. I will be making a donation to the site very soon
  3. I have a statute-barred loan originally from Lloyds which was sold to various debt collection agencies over the years. Today I received a letter from Capquest informing me that they are paying a refund from Lloyds into this loan account. They say: "Your Notice of Sums in Arrears, or NOSIA, should have been dated 1/2/2008 and you should have received it by 14/12/2008, so we're including a corrected NOSIA with this letter and refunding you £69. This amount covers the period between 15/12/2008 and 01/02/2018." My questions are, can they do this? Does this mean the loan will become active again? What can I do? Any help most appreciated, hank you.
  4. Hi ericsbrother, thank you very much for your reply. The overtime has more or less come to an end now as the busy period has passed. Sorry, I got it wrong, it is actually the Housing Benefits people who are chasing my sister, not HMRC. So, it sounds like my sister's housing benefit will be affected because of the overtime over the last six months or so? I'm not completely sure what you mean by the wrong assumptions about this year's income not being based on irregular overtime paid last year??? Do you mean that they will assume her income this year will be the same as last year, even though it will be less? What would be the best approach when drafting a letter to the Council? Could you, or someone else possibly help with some pointers for us to draft a letter for her? It would be most appreciated if possible. Thank you.
  5. Forgot to mention, she has until 12th May to reply.
  6. Thanks for the reply Honeybee, my sis will be relieved to hear that at least.
  7. A family member is having a problem with her working/child tax credits so I offered to try and help her out via the lovely CAG members. She was working 16 hours a week but increased to 22 hours a week last year, which she declared to HMRC, so has been expecting an adjustment in her tax credits and housing benefit. They have recently written to her asking for £1,149 back. Over the last six months or so she has come under a lot of pressure from her job to work overtime as they have so much work on. She was hoping this would not be taken into account as it isn't usually a regular thing. However, one month she worked an extra 40 hours (this is the exception rather than the rule though). HMRC are now asking for six months back payslips and these will, of course, show all the overtime she has done. She is really worried that she will get into a lot of trouble because of this and that she will go to prison! Is this likely to happen? She hasn't deliberately set out to defraud, the extra money has enabled her to treat her little girl to a short break, clothes etc and to buy some much needed bits and pieces for the house. Is regular or irregular overtime taken into account for working/child tax credit purposes? Any help would be most appreciated please. Thanks in advance.
  8. I have just seen on TV that it is an offence (£1,000 fine) not to notify DVLA of a new address. I have been looking into this as I moved over two years ago and just haven’t gotten round to doing so. During my enquiries online I also came across medical problems that should be reported to the DVLA, one of them is sleep apnoea which I have suffered from for years. I’m now really worried that if I apply to change my address and also notify the sleep apnoea I will get into terrible trouble for not reporting this medical condition earlier, and it looks like I should have told my motor insurers too so that is probably invalid too. I am disabled so need a car to get around. Does anyone have any experience /know the consequences of this at all please? I’m desperately worried and scared I may end up going to court or something. Thanks in advance.
  9. no it was absolutely fine in the end, the fault was with me
  10. Cheers Rebel. I do want to get rid of them, just unsure of the best wording to use.
  11. Thanks DX. I CCA'd them all a very long time ago, some enforceable(ish), others not. Not too worried whether they accept or not to be honest as I can carry on ignoring them til the debts go SB Only reason I'm doing this is to clean up my credit file. Not going to offer them very much - compensation for all the stress they caused me at the start and before I wised-up.
  12. That was interesting reading Silverfox and BB, thanks. Thanks for the advice Firstship. My credit file was well and truly trashed a long time ago! I have five creditors and owe in the region of £55k. MBNA debt was sold on before the date given by creditor for me to resolve so rescission of contract applies – that debt is £15k but arrears were only about £2k – any ideas of how much I should offer here? I have a £10k loan and £5k overdraft with Lloyds that are still doing the rounds of various DCAs, I’ve been ignoring them for years but want to get rid of them once and for all. Also a very old Lloyds credit card debt of £15k, they can’t find the original agreement but I want to offer f&f just to get it off my credit file. And lastly, £8k on an old Egg debt that was sold on (probably for not very much). This letter was at the bottom of Sequenci’s debt diaries (offered by Sevenhorses) The Loan Company Company House, Church Street, Newtown, Kent, R1 7HG Dear Sir/Madam Without Prejudice Account No: 4563210025897412 We write with reference to the money which you are claiming on the above account. We can confirm that we are unable to offer to pay the money which we owe in full. . However, we can raise £_____ and we want to offer this as an ex-gratia payment in full and final settlement of the account. This offer is made on the clear understanding that, if accepted, neither you nor any associate company will take any other action to enforce or pursue this debt in any way whatsoever and that we will be released from any liability. We also request that, if accepted, you will make an entry on a credit reference agency file relating to the above account as having been paid and the account closed. Payment can be made within 2 weeks of receiving your written agreement of this offer and method of payment. We look forward to receiving your reply. Yours faithfully Mr A N Other Is that enough do you think or are there any other letters out there that are foolproof? Would really appreciate some help with writing correct letter. Thanks folks. Please bear with me, my internet access is extremely sporadic at the moment.
  13. I'm now in a position to offer some small f&f's to my creditors and looking for a bit of advice. Not sure of the best way to go about it as there seems to be so many conflicting information on here. Is it worth doing? Has anyone successfully had f&f's accepted? Or has anyone been hassled after f&f's been accepted? Grateful for any info please. Thanks.
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