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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

boloney

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Everything posted by boloney

  1. boloney
    is there no consequences for them if they done so without court order?
  2. boloney
    Just found on the net that if he paid third of the debt and they repossessed without the court order he will not be liable for the rest of it at all, is that right? seems like he paid over £8000 out of £19.356 so that well over the third of the debt.
  3. boloney
    what is the 'Transfer to recoveries'? will it be possible to recover those 6.920.22?
  4. boloney
    could you help me with that as I don't really know which way to go now as you can see case started in 2011 he was ignoring it for long time, now is the time to start getting everything sorted.
  5. boloney
    thats his statement
  6. boloney
    well he did't know about that he could terminate the agreement, I did found about it this morning as well when I started looking what he can do now. I don't have his agreement, not even sure if he still have it. I will scan and upload his statement this may tell you something. what is it 'reported fee'? thanks for help
  7. boloney
    Hi. My friend bought car on finance, total payable including fees and interesta was 19.356.72 Last payment he made got him down to 12.935.39 MotoNovo started repossession. The taken the car and now want him to pay another 6.920.22 I'm looking at his statement and don't get what all this means, can someone explain please: Write off rebate: Credit 2.259.03 Write-off option fee: Credit 125 Write off: Credit 5436.76 at this point debt is 5.683.93 than we have: Transfer to recoveries: Debit 6.920.22 which make debt back to 12.604.15 then: Payment: Credit 11.215.86 and at the same time Debit 5607.93 Payment: credit 152 and Debit 76 at the end balance is 6920.22 Can someone explain whats going on with this? Also one more question, he bought van recently (second hand, worth about 1500-2000) he is using it for work, can they repossess this van even he is using it for work purposes? Thanks
  8. boloney
    I got the letters from HMRC dated 24/07/2014 one is final decision for 2013/2014 according to that letter my income for 2013/2014 reported to them was 25398 and another letter tax credits award for 2014/2014 according to this letter I was on IB JSA from 31/03/2014 to 05/04/2015. Now the question is how did they worked out my CTC, was it worked out on no income due to them thinking I'm on IB JSA? how can I prove that I told them about me stopping IB JSA in April 2014?
  9. boloney
    Just found my tax return for 2014 and my income was 24812 after expenses. So I gave them this figure as I filled up annual review they sending me every year. Will have find the letter to confirm this or wait for SAR. What do you think about this?
  10. boloney
    I will have to get all my paperwork sorted over the weekend and cross check with this what they telling me and than will be back here to let you know my story in details, as my paperwork isn't in order now so it's hard to work everything out. hope you will be able to help me more on this subject.
  11. boloney
    They told me they calculated my income from 17k which was my income for 2013/2014 and that I never told them about me starting work again. Will have to get SAR and dig out all paperwork I have from them to see what's going on. Also how can I prove that I told them something if it was done over the phone?
  12. boloney
    I changed my address at the beginning of April so I was in touch with them to let them know about this. What do you think the reason for overpayment could be?
  13. boloney
    I'm sure I told them that I'm going back to work. What happens if I did't?
  14. boloney
    sorry but I don't get it they have my income as 25398 for 2013/2014 and 27615 for 2014/2015
  15. boloney
    I will call them tomorrow and see what they will say. do you know an e-mail address to them so I could do it that way? I have applied for SAR few minutes ago. Weel my income was too high for WTC, was't it? I have been only self-employed and on IB JSA at the beggining of the tax year.
  16. boloney
    I was self-employed during last 8 years, I may have been in touch with them to let them know that I'm back to work, if they asked me what my income will be I would more likely said to them it will be the same as year before (I don't like to own the money so would't like to be overpaid). Have a look at the letter they send me and let me know what you think about it as it will be nice to get this overpayment scrapped as I have't got this money If you need to see any other letter let me know I can post those as well. I will be applying for SAR from HMRC to see what info they have.
  17. boloney
    my income for previous year (2013/2014)was 25398 and that what they used to work out my tax credits for year 2014/2015, I have't been in touch with them during that year. do you think I have leg to stand on and dispute the overpayment? Just found this website http://www.revenuebenefits.org.uk/tax-credits/guidance/how-do-tax-credits-work/understanding-the-disregard/ seems I can disagree with the HMRC final decision
  18. boloney
    Letter they send me was 'Final Tax Credits decision for 04/2014-04/2015 Overpaiment was because I have earned 2.217 more than year before. I can't believe it, my income was 2217 more than year before and they want back 3722, how does it work? my income for last year was 27615 including 194 in IB JSA. Even if I can't disagree with them because I did't report changes in circumstances on time can I do something because they did't give me no chance of appeal? As I said before the letter they send to me was dated 10/08/2015 and it says I can appeal to 10/08/2015 which is the same day. thanks
  19. boloney
    hi. HMRC have send me a letter claiming that I own them money which was overpaid to me over the period of last two years. I don't dispute the overpayment amount yet as I did't go through my paperwork yet. Letter they send me was dated 10/08/2015 and in the letter they stated that they giving me time until 10/08/2015 to appeal (yes, I had only day to appeal their decision). Is there any way I can dispute the overpayment on the basis that HMRC did' give me no time to appeal their decision? Thanks
  20. boloney
    Hi. I have weird question, would like to find out what's going on with company that I'm sub-contractor for. Company is called Stonewest (www.stonewest.co.uk), I heard rumours few weeks ago that there is something going on in the company as it did happened before in 2011. Today I was looking into it on the internet and found website called 'aihitdata' and there is some terms that I don't understand. Could someone look into this link https://www.aihitdata.com/company/0036BC28/STONEWEST/history#main and let me know what does' LIQUIDATOR'S STATEMENT OF RECEIPTS AND PAYMENTS:BROUGHT DOWN DATE 23/02/2015' means and what will be next step from now on. I been working for them last 13 months and would like to stay for longer thanks
  21. boloney
    Thanks Emmzzi, they have send her a letter asking for informal meeting to find out if she can come back before her sick leave expires.
  22. boloney
    hi, one of my friends is not well, she was on sick leave about month ago (problems with back), she works in the warehouse where lifting is involved. she is not well again so she did ask doctor to give her a letter stating that she can work but is unable to lift parcels over 10 kg, doctor stated on the note that she can lift only between 2-4 kg. when she gave it to her employer he send her home until letter expires which is 2 months. She can work but is unable to lift, they used to move other girls to do different thinks before. do they have to pay her for this time even when she will be at home for next 2 months? thanks for any help
  23. boloney
    thanks. Unfortunately they were right
  24. boloney
    thanks for the answers. Seems like it will be cheaper over the counter but its too late now. We will do so next time if we get perscription for it.
  25. boloney
    is there any act, guide or something like that so we can use it to back up our claim?

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