Tax credits awarded us £465 for the year 2015 - 2016 but from the beginning of april till mid june we was still on last years weekly amount and recieved that amount of £465 so not entitled to anymore this year

Is that even thou we are not entitled to anything this tax as we have recieved it ?

yes sorry

Hi guys

recently received my tax credit renewal

it states from 2014 to 2015 we was overpaid by £2335 for the year 2015 to 2016

they awarded us 465 so in the payments from april to june we have already received this years entitlement ,

the thing i find baffling is that they will take the 2014/15 overpayment from future awards ,

i also find this annoying as i kept tax credits informed of my rise in income and changes to circumstances ,

am i likely to receive notification from tax credit debt team demanding repayment ,

any info gratefully accepted .

Thank you

never sent recorded but the payment aint been cashed , is it too short notice to do it again ?

Yes never recieved anything back , should i resend

Hi guys recieved a letter of fredricksons today stating letter before action and legal action is being considered and should it be necessary to instruct solicitors the balance will increase

Will do and thanks , one down one to go

Right guys big thanks going out to Brig and the rest of you got a letter of lowells this morning account closed will hear no more on the matter:whoo:

hi guys just took my 30 day free trial on experian and this particular debt what this thread is based on aint even showing on my credit file , although it is still showing on the noddle report , is this a good sign ? kind regards p

Is there no way they can claim its not statute barred , seen on other threads there is a lot of discussion on when the 6 yrs start from

thanks , let's see what comes next the parasites

Hi guys got a reply from my SB letter i sent , it states the customer relations team now owns my complaint and the senior customs relation officer will be making a thorough investigation into my concerns and will be in touch with his resolution after his investigation , is this just a standard reply from a statute barred letter , thanks

CCA request and statute barred letter's sent , would i normally get a swift reply

Yes sure i will

Brilliant i will get this sent in the morning , thank you brig

So off CRA files this month.

 

 

Taking the default date (as some will claim starts the 6 year time span) it will be SB 28/03/14, but if the last payment date is correct then it is already SB.

 

 

I can draft you a letter to "test" this which will not affect the status of the debt at all and may well rid you of this right now.

 

 

just let me know if you want this.

Yes please brig

Yeah credit files say lowell bought the debt in august 2012 the debt defaulted 26 march 2008

Thanks i'm pretty sure its statute barred anyway , the last time i acknowledge or made payment on the debt was oct 2007

Sent a cca request this morning , once they recieve that am i right in thinking they cant issue legal proceedings untill they dealt with the request

Yeah well their GOGW is a con, any F&F payment should only be made in the understanding that they mark the account as satisfied/settled, NOT as part payment!

You won't make your position any better if you pay this F&F on their terms.

 

If it was a LBA then it should state as such.

What account is this for? A credit card?

yes it was a credit card starting to feel stressed now , any advise on what i should do now thanks

Hi guys

recieved a letter of fredricksons today

stating that despite a recent letter from bryan carter

it appears you have still not discharged your debt with our client lowell financial ,

we are prepared to offer you one final opportunity to pay

before recommending to our client that they instruct solicitors to issue a claim at my address ,

at this late stage and as a gesture of goodwill we are prepared to accept a full and final settlement on this account

provided that you contact us on 08453136614 within 48 hrs of receipt of this letter ,

then the letter goes on about lowells will amend the credit file to show part payment as been made

and it will help me to obtain credit etc.

is this a letter before action

is it time to send the cca request

any advise please

Well i didnt have a overdraft on the account it was just used for direct debits , so i'm pretty sure it must be bank charges , is there a letter i can send to request this info

Hi guys

lowells at it again this is a seperate account ,

i had a current account with lloyds tsb they charged me £5 a month for this can't remember why now.

and they also charged me for not having sufficient funds in for a direct debit ,

foolishly i just left the account

ignored all letters and

it defaulted in 2009

lowells have picked it up and

they are requesting payments of £578 all of which will be made up of bank charges ,

do i just ignore this too

r ask what the charges are

hi guys made a mistake with the dates ,

just looked on my credit file default date on the tsb entry 28/3/2008 then lowells have the default date at 1/4/2008 ,

seems bryan carter will have a extra month to do what he is going to do there for is not running out of time like i 1st thought and hoped , starting to get a bad feeling