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  1. A while ago we had HMRC chasing us for a Tax Credit over-payment. We paid it in the end to get them off our backs but I still suspect there was a mistake made somewhere. I'm not looking for help on this one but I thought folks might like to know that there is an online SAR form on the HMRC website... https://www.gov.uk/guidance/hmrc-subject-access-request Here's the acknowledgement: Thank you for your email. We will process your Subject Access Request (SAR) as soon as we can. I should explain that under the terms of the Data Protection Act we have 40 calenda
  2. Thank you - I think I should let LCS know that I'm disputing it though. Do HMRC have details about how they've made the calculations and do you think I would get that info from a SAR? I think this goes back more than two years as well - we had nothing last year so I think they're talking about 2013-14
  3. Hi everyone, We're being chased for £1253 by debt collectors LCS. This is the second overpayment by HMRC for child tax credit - the first was for £706 which we paid. I can't afford to pay the larger sum in one go. The reason I'm miffed about this is we have religiously told HMRC every time there has been a change in circumstances, I find it difficult to believe that they could have overpaid by nearly £2000! I've tried getting them to look at it again but it's the usual "you're out of time, yadder, yadder". I had originally asked for the reconsideration as my youngest wasn't me
  4. Thanks for the reply Steve. Yes, I mentioned at the time that they should have contacted the council. No, there was no spare toilet. They had to use a bin, wee in the garden and use the facilities of the gym down the road. I doubt very much that the landlord has protected the bond. I haven't had sight of the contract but isn't the landlord in breach for not having repaired the loo? Thanks for the heads up about the interest
  5. Hi folks I would like an opinion on something I'm really not happy about... My daughter and her boyfriend were living in a flat (basically the lower half of a semi-detached split into two). The boyfriend was living in it originally and my daughter moved in, so all things relating to the let and the landlord and going through the BF. Towards the end of April the toilet blocked. The BF informed the landlord who told him to try and unblock it himself. He tried with no success. This plus the level of mould in the place finally led to them moving out of the property on 1st
  6. Thanks for the quick reply. One thing they didn't do (or not that I can recall anyway) was to offer to put it back into the Civil Service scheme. I'll give them a call and see what happens - as you say, I have nothing to lose. Cheers
  7. Hi folks, This thread may be over as soon as it's started... Back in the 1990s I was one of the many people who were mis sold a private pension. There was the Pension Reiview in 1994 and the company who sold me the pension admitted they were incorrect in doing so and offerred redress of around £27k (to be added to the pension pot). Of course, muggins here didn't follow it up and I now realise that there was a time limit (31st March 2000) to accept their offer. I think at the time I must have been under the impression that they would just add it by default, which of course they wouldn
  8. Hi everyone - I've been away for a long while - used to frequent the Debt section quite a bit. I'm not after help right now but please feel free to add any comments you may have on this thread as it goes along. I'm half expecting things to turn nasty down the line Okay, briefly.... My parents died within 6 months of each other in 2006, I'm an only child so got their house. At the time this seemed like a bonus - how wrong I was! Beware anyone who finds themselves in a similar position. OH hasn't done any paid work for 5 or more years (had depression and work-related stress), we
  9. Right, HS, my guess is that you have received the county court claim (via Northampton Bulk Issue Centre). 1. Have you acknowledged the claim (sent it to the court)? You have 14 days from the date of service to do this. My advice here would be to always adhere to the dates set out by the court, that way if Restons try to deal out the rubbish (and they will, believe me) they will be prevented from doing so by the court - make sure you keep your nose clean in other words. 2. What are you doing about the claim? You mention that the account number is wrong. I'm not sure that will give you
  10. ....I've posted on your thread, 111253. I'm not much practical help I'm afraid but I might be able to help with encouragement
  11. Sorry, forgot to say, that was an application to strike out the claim..
  12. Hi G, Yep, still very much around....I've answered your PM but anything else will be posted as I like everything (well, most things!) to be out in the open, as it were... Right, I didn't prepare any witness statements so perhaps someone with a bit more savvy in that area will come along to help shortly, if not then PM one of the mods.... In the case that I won, Restons had applied for Summary Judgment with the usual grounds 'I had no reasonable prospect of defending the case'. Remember that they were trying to obtain judgment on an application form (post #176, this thread, no si
  13. Been doing a bit of fishing .... apologies if this is second-hand news for any of you ... quite interesting though.. HSBC arm flouting 'anti-bullying' rules | This is Money (deal with HFC not wanting to deal with debt management companies direct apart from the one they 'recommend' - the Consumer Counselling Service) Me for one, 111253! I could have lived without the stress though
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