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About clareyluxo

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  1. Thank you again and thank you so much for the template. Best wishes, Clarey
  2. Hi Slick Thank for all your help - we will write to HMRC to ask them to write off as we feel that it must be their error as the pension code was ok when it first started and my husband has received the pension and been employed since it started so there's been no confusion as it's never been his sole income. Will let you know how we get on. Also, thank you for putting my mind at rest that the amounts shown on the coding notice should sort of resemble the underpayments - thought I was losing the plot! Thanks again, Clarey
  3. Hi Slick, Many thanks for your response. I've checked the P800's already and agree the underpayments so they're not really the issue. It's a bit odd really as the pension started in 2007 and was given the BR tax code then and somewhere along the line the tax office sent a revised coding notice out given a code equivalent to the personal allowance and at the same time issuing a personal allowance code to the employer. So very strange as to why they would change the codes for 09/10 given that for 2007 and 2008 the tax collected was correct - unfortunatley I don't have coding noti
  4. Hi, I would be grateful for some help! My husband has recently received his third P800 underpayment notice for 2011/12 (already received P800's for 2009/10 and 2010/11) and I have been trying to work through the mountian of tax coding notices he received which covered these 3 tax years. I can see that the problem has occured as he received 2 personal allowances - he is both employed and is receiving a pension. However, the amounts of underpayments on the P800 do not correspond to the values shown as tax owing from previous years on the tax coding notices - the amounts on the coding notic
  5. Hi citizenB She paid the deposit by cheque. Thanks, Clare
  6. Hi Hammonds Online Team Thank you for your reply - I have seen this, your standard repy, on various websites where people have posted their dissatisfaction about Hammonds and the service they received. My mother addressed her letters of complaint directly to Richard Hammond and is awaiting a reply along with the refund of her deposit. And as the reply has not been forthcoming as yet I posted on this site for advice on how best to proceed should the need arise.
  7. Hi, My mother entered into a contract with Hammonds Furniture to supply a built in wardrobe about 8 months ago for which she paid approx £500 deposit to the sales person when they called at her house, the surveyor came out and drew up plans which were not want she wanted but they insisted it would be the best plan for her bedoroom. A little time went by and she wrote to Hammonds to say that the design and materials selected by the sales person and the surveyor were not as she wanted and they resent the desiger/sales person out to visit her again. This was in September 2012, she was told tha
  8. Thanks for this - I'll send GE another letter to that effect. Much appreciated.
  9. Yes have a copy of the agreeement and it is headed up Credit Agreement regulated by the Consumer Credit Act 1974. My husband was employed in the Army at the time the loan was taken but was about to retire on a full military pension after 22 years service. I'm not sure whether Heatseal are still going but EYG's website says Home of EYG, Jon Windows and Heatseal Many thanks, Clare
  10. Hi, any help would be gratefully received....! My husband took out a First Naitonal Home Improvement Account through EYG Windows back in 2004 - which is not paid up yet. We consider the PPI to be missold and wrote to GE Money with the letter, spreadsheet and FOS questionnaire. They wrote back to say that we need to contact EYG Window Centres to ask them to investigate the complaint as the PPI was not sold by GE Money. We therefore wrote to EYG who responded in writing saying that they have no information on EYG Domestic formed 1st June 2007 - the original paperwork we have i
  11. Hi I have recently written to kandCo regarding my account as I have been made redundant - my letter stated that my financial circumstances have changed and requested that they accept no payment on the account and that they freeze the interest and no charges be added. I had received no response and this morning mistakingly answered my phone as didn't recognise the number. The girl on the end of the phone said they will continue to add charges etc to my account until I have a meeting with Citizens Advice and give them the reference. I said that I had written to them regarding my situation and
  12. Thank you for your help on this. How do I tell if the CCA is enforceable?
  13. Thank you for your responses. The original creditor is Shop Direct - I had received an email from them after I queried not receiving any statements, the email stated the account is clear - this was the basis of my dispute with Lowell. They claim it is for a different account number (even though no account number was mentioned on the email) and when queried they then said that Shop Direct would say it was clear as it had been sold to them. I have received a CCA from them already but my query isn't that there was a debt just that Shop Direct have informed me it is clear. Lowell
  14. Could anyone offer some advice on where I go next..... My dispute with Lowell has been going on for some time - Lowell have been contacting me regarding a debt I claim is clear. In numerous letters I have asked them to provide copies of statements from the original creditor which proves I still owe money and also copies of the notice of Assignments as they claim the debt was sold to them on 30 Nov 2009. I have now received a notice of assignment from them dated 19th May 2011 - which they claim under the law of property Act 1925 is sufficient enough to make the sale of debt effective
  15. Sometime ago I wrote to Egg explaining that I was unable to make the minimum monthly payments due to a change in my financial circumstances and offered to pay a reduced amount each month. I received no written replies only phone call after phone call (which I never answered - prefer to have everything in writing). I again sent a letter explaining the situation and asked them to confirm in writing their acceptance of my offer. Again - no written response recieved. I have been regularly making the payments I promised to make. I then received a default notice - in response to this I wro
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