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purple_rain

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  1. they're asking me to fill in a form to show how much I earn and spend so they can calculate how much the repayment amount should be per month.
  2. I can afford to pay £50, but they've asked to assess my income. I'm concerned they will ask me to pay more. The DCA is no longer in the picture and they don't have my parents' address or my new number, so I don't think I will be hearing from them. I'm hoping that by complaining they may take away some of the debt, because they kept screwing up. How could I get them to reassess? Does anyone have any advice as to how I can maintain my repayment schedule of £50 per month? Thanks!
  3. Hello, I have a bit of an update on the situation. Following a heated discussion on the phone, the person I spoke to emailed me the following: I am a bit concerned about showing my earnings- not that I earn a lot because I'm a carer for my mum and I only work part time, but I don't want to put every penny of what I earn towards paying them back. I don't want to pay a larger amount than I do already, which is £50 per month. Technically, I don't pay rent, but I need to have that money there every month in case my mum's ex husband asks for it or if he refuses to give my mum money for food. Any further advice would be much appreciated.
  4. DCA stopped contacting me, as I've moved back to my parents and they don't have my address. I ignored them and told them I would be dealing with the council, as per advice on here, which was why I emailed the council. The complaint was done via their website, but I have recorded the reference number. The first JC I moved from told me a mistruth but the second one (the one I moved to), my advisor checked on the system and told me specifically that I was receiving HB as I should be and everything looked fine on the system. Unfortunately, she's not from the borough that is now chasing me up for the overpayment. I honestly doubt they would write off the whole thing. What do you think? I know I was very naive, but I felt very cornered at the time. I assume any phone calls I made to them would most likely be recorded, but I don't know whether they would still have records of the phone calls.
  5. Hello, Appreciate the reply. I was hoping I'd hear back before bed. This is seriously stressful to come home to after a relaxing holiday. The overpayment arose after I moved boroughs whilst on JSA and HB. I was told at the JC that when I transfer JSA claim, everything would be taken care of automatically. Of course, the council didn't take that on at all. They said it was my fault for not changing things over. I was told by people in the original JC and the one after everything was fine and that I was receiving HB as I should be and it all looked ok on their system. The council said that it's still not their fault and it's my fault. Although, one time when they spoke to me on the phone they admitted that although it was "a human error" (their words not mine) that I would still have to repay because it's the public's money. I was suffering with really bad depression mainly because of this. They had worn me down so much, I didn't even know what to do. They just kept saying I owe them huge amounts of money and I was worried my benefits would get cut off etc. We are roughly talking about just under £5k according to them. I received an email back from them saying that the first amount was being paid for but their system didn't consolidate the two amounts together which was why they passed it onto a DCA. I think a few hundred pounds have been added on for charges but they've not itemised the bills. I've sent them a formal complaint online and reached out to my local MP for help. I'm no longer living anywhere near London. It's been really hard dealing with this borough in particular. They just don't listen or accept any responsibility. It's so frustrating. Thank you again for the reply.
  6. Hello everyone, I hope I'm posting this in the right place. I've asked about this before in a separate thread. I am having issues with a London Borough who claim they overpaid my benefits. I tried to appeal but they decided against it and insisted I pay back the money. About 3/4 years ago I set up a direct debit to pay them back £50 every month, which isn't very much. And then last year I started getting letters from debt collection agencies asking me to pay thousands of pounds back but they wouldn't tell me why or how. I emailed the council and 8 months later, they emailed back saying that I owe two amounts and normally they would combine the debts, but they haven't on this occasion and they would like to. I was getting harassed by the collection agency and it's been very stressful and I'm pretty sure they've added other charges on top. They asked me to fill in some forms for income expenditure, which I left and eventually forgot to do (my fault). It was a rather hectic time and I wasn't working and my income was even less than before and I thought since I'm already paying, there's no big deal. I've just come back home after several days away to find a letter stating that they will ask for a CCJ to be issued against me. I know I didn't fill in the forms, but I don't understand why on their end they're so disorganised to the point that they didn't even know to combine the debts in the first place and they sent people calling me day and night and sending me letters multiple times in a week. Please advise me on what to do. I will call them tomorrow morning when they are open but please advise me on anything else you feel is appropriate. Thanks
  7. I will definitely be doing this. I'm just so confused as to where the figures are coming from. I'm worried they have the hours right but not the amount and I would actually end up owing even more!
  8. Thank you for your input. You seem to think that the employer should have no responsibility in making sure they've done things correctly. Even now, as they write to me, they may or may not have their figures correct, as it doesn't match my hourly rate. As a consumer, if I made that many mistakes paying money in someone, I for sure would lose out.
  9. I left on bad terms, but I'm really disgusted by the management of this company.
  10. Hi Mr P, The hourly rate on the pay slip is right, but going off from the letter, that's the number of hours I've been overpaid and that is the amount I owe. Obviously, I'm not sure how they've come up with these numbers.
  11. Thank you for replying. If it is that they made an error in overpaying me. Do I have to repay them? They could have contacted me a while ago whilst this was still fresh and now they're plucking dates out of thin air, dating back to June.
  12. Hi everyone, I was overpaid by an ex employer (apparently). They've just sent me a letter 3 months after I've left the company stating I was overpaid some 107 hours and that I owe £500. I only worked part time for them when I was caring for my mother and when my mother's condition deteriorated, I went on leave. I left at the end of September and haven't worked since. I am looking for new work, but haven't listed them as a former employer, because I didn't leave under the best of terms anyway. My aunt gave me a loan recently for another reason, so I have the money at the moment, but since I'm not working and still caring for my mother. I would like to keep this money because I have no other income. I also have no recollection of the exact dates they mention and the number of hours I have worked, because I transferred branches mid way through working there and my payslips were sent to the old store. Does anyone have any advice on this matter?
  13. Thanks for the replies. I will continue as normal and if and when I receive a letter from Newlyn I shall ignore it. It's not set in stone that I will be going abroad, so I guess I will cross that bridge when I come to it - I just don't have the money to pay them back and I know they won't budge. I'm stuck repaying HB I was entitled to because I was given incorrect information when I moved boroughs. Even though I was told by one of the staff it was an error on their part, I had to repay the money because it belonged to the public. I just don't want to be stuck repaying more HB that I was supposed to be getting.
  14. Ok duly noted. Last question- if I end up moving abroad, should I at least notify them so they won't harass my mum? I'm most likely going to have a bank account still open in my name.
  15. Thank you but are they likely to find or contact me back at my mum's address if I start a new job under this address or set a direct debit up with the gym to this address?
  16. Hi everyone, I posted a thread on here a while back ( I don't know where it's gone) about Newlyn hounding me to pay housing benefit back, but they won't tell me why I owe the money and the council haven't responded to my email. I was advised to not answer their calls or respond to their letters, which is exactly what I did. However, I have since moved homes and changed my number. I'm assuming I don't have to let them or the council know and it's down to them to find me? I'm living with my mum who is not very well at the moment and I would rather she didn't find out about this. I was just wondering how they would find me? Would they be able to find me as soon as I get a job or can they only find me through registered bills? I should add that my bank accounts have always been registered to my mum's address and I recently set up a direct debit with the gym. Will this cause problems? I'm quite anxious about this. Thank you in advance for your help and Merry Christmas guys!
  17. I will settle the bill with TW before I leave for sure because I want my name off that account. I just think as a landlord he should be partly responsible for the bill. Like I said I don't know whether he knew of the toilet problem beforehand, as there are ongoing issues in the house. He's left an unstable bathroom floor upstairs unfixed for over a year, as he doesn't live here, he is never really in a hurry. He's refused to get a professional to fix the mold in the bathroom that's built up really heavily despite us telling him numerous times. I know it seems like I'm being unreasonable but when we spot something wrong we will tell him, if we don't know then we can't tell him. I don't know where the overflow ran to, but there was never excess water on the floor. Water consumption did fall after he got the toilet fixed.
  18. The landlord came to the house for an unrelated problem. There's quite a few things in the house he needs to fix and he usually leaves them for ages every time. When he came over, he just did a quick look around and fixed the toilet that day. I don't know if he knew before that point, as he has keys to the house and if we're not here, he lets himself in (which I have no problem with). There was no change in flatmates just before the spike. No one takes baths, we all take showers. No particular increase in use of water at all. What information of mine does he need to start debt recovery action against me?
  19. I've spoken to the landlord again. He refuses to take responsibility for the water bill and so I have to pay it all. He says that we have a spare room and we should have rented it out for extra money so that we have surplus money at the end to cover extra for bills. I know I shouldn't withhold rent, but I feel like I'm running out of options, because I need to leave this property. My landlord doesn't have any of my information other than my bank details (a/c number and sort code) and phone number. Is he still able to take action against me?
  20. Hello everyone, You might have seen my other thread in regards to the extremely high water bill- http://www.consumeractiongroup.co.uk/forum/showthread.php?456334-Thames-Water-Overcharging. I thought I'd start a second thread now that I've spoken to the water company and my landlord again. The water company has done all the investigations they can do and they have found that they are not at fault, given that there are no leaks coming from outside and the meter number they have on our bill is correct. The landlord has told me he fixed a faulty toilet which was overrunning some time in the summer. I didn't know this at the time. The water company said if there is a leak in our house, they have something called a leak allowance but because the toilet was fixed a while back, we won't be eligible for the leak allowance now, as it has to be signed off by a plumber. My question is, is the landlord liable/responsible for this huge bill or at least a large chunk of it? If he refuses to pay, can I take money from our rent to pay for it? I really would love to get this sorted and would appreciate it any help. Thanks, Zoe
  21. I thought so...I just don't know how to prove it's because of the running toilet and if he's liable, I'm sure the landlord will refuse to take full responsibility anyway.
  22. Hi everyone, Thank you for the replies so far. (I don't know if it should be posted in a separate area but it's related to this water bill situation.) I spoke to my landlord today and he said he fixed our toilet in the summer as it had been running non stop, but I didn't know. He's a live- out landlord and we're an HMO. He seems to think that the toilet problem wouldn't have caused the water bill to triple. In this situation, is he liable for at least part of the water bill? Our rent is a few days late and I still have the money in my account. If I took it directly from our rent to pay for this bill, could I get into legal trouble? Thanks for the help again.
  23. Thanks for your reply. Yes, someone came out to investigate. They basically told us to switch off any appliances that use water in the house whilst they looked at the meter. They said the meter didn't move during the investigation, therefore nothing was wrong. Yes, we have a back garden and a small front garden, but we don't use the hose or a sprinkler system. I moved into this house in May 2012 and the water bill has typically been around £250- £300 every 6 months until February this year. There has been no change in the pattern of behaviour or usage at all. They don't take baths etc. Our toilets seem fine and they're not over running either. We haven't had one of those letters at all. I'm so baffled and stressed out about this. Thanks again
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