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suvvers

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  1. Hi CAGers, The title of the thread pretty much sums up my question really. I have a full time job where I work 4 days. I have recently passed my Class 2 HGV and while I’m waiting to do the Class 1 I was considering signing up to an agency to get some experience of the job on my days off. But I was wondering what the tax and NI implications would be for taking a 2nd job.
  2. Hi folks, I was wondering if someone could definitively answer a question for me. The company I work for has announced that it is to close the site I work at. There are to be no job losses as everyone will be offered employment at other sites. The company have said that they will pay a disturbance allowance of 40p per mile from the current site to the new site for the first year(I know - how generous of them right?). However, there seems to be some debate as to whether this disturbance allowance is taxable or not. Does anybody know for certain? Thanks
  3. Good Morning CAGgers, I'm after some info please. My wife and I are purchasing a flat and we're unsure about whether we have to pay SDLT or not. The purchase price is £125,000 which according to gov.uk and HMRC website falls below the SDLT threshold, but I'm also starting to find things about because it's a flat and a leasehold property there may be SDLT to pay on the lease. The flat was built in 1979 with a 999 year lease so that leaves 964 years left (long after I'm worm food lol). The rent on the property will be £150 twice yearly. Please can anyone help as to whether SDLT is payable and how much...and maybe explain it in easy to understand terms unlike the government websites? Thanks Steve
  4. this is all I wrote in my dispute to noddle: "The name on this account is a debt collector which the original lender sold the debt on to - the actual date of default was in 2006 not 2010 as the entry suggests." Hope this helps. Steve
  5. So in the end I sent a letter to all three....signed for of course....and I've just got the electronic proof of delivery from Royal Mail and, surprise surprise, all three were delivered on the same day and signed for by the same person!
  6. Update to this: I sent a dispute to Noddle and they have investigated it and agree that the entry should be removed and have informed me that when my credit reference is available for me to view next month it shouldn't be there. Without looking, I expect that this entry will be on my credit reports from Experian and Equifax as well. Quick question regarding this bit.. ..would it be better to write to MKDP to tell them to remove it from all CRAs or to send disputes to the CRAs individually? Further update: Raven Recoveries are still chasing me for this and I have duly sent them a SB letter today. However, I received a letter from a company called Keynes Collections - a company which I've not heard of previously but which miraculously has the same address as MKDP and Raven Recoveries (funny how I'm not surprised by this eh?). This letter carries the header "Notice Of Intended Legal Action" and says that they've been assigned by MKDP to collect this outstanding debt (hang on didn't they pass it on to Raven?). They are saying that if I don't respond with a payment plan within 14 days they are going to take me to court. Should I be on the safe side and send a statute barred letter to MKDP and Keynes Collections as well as Raven? Steve
  7. It was welcome before MKDP purchased it along with another one I defaulted on at the same time - also Welcome. There is only the one showing on my credit report and both have been passed on to Raven Recoveries. Would the proof I need be in the sar?
  8. There are.no entries on my credit reference for Welcome finance. As i understand it the default date is either 3 or 6 months (i can't remember which) after the date of the last payment and the SB date is 6 years after last payment or acknowledgment of.the debt and the debt should be removed from the credit reference 6 years after default? If I'm right in what I'm thinking then the default date is at latest March 2007 and MKOP have created there own entry. ..are they allowed to do that?
  9. The last payment was made Sept 2006 so therefore the default date shouldnt be 2010. And as i understand it the entry should be removed 6 years after the default?
  10. I have just checked my credit score on Noodle and I too have a default account from MKDP LLP. The loan was one that I defaulted on in 2006 and so is statute barred. I remember MKDP chasing me for it but I ignored them. Having just checked my credit record now, I find that this loan is showing as defaulted in 2010 - I'm guessing when this was sold to MKDP. As I last made a payment on it am I right in thinking it's still statute barred? And as I believe MKDP have now passed the case on to Raven Recoveries who do I need to get in touch with to get it off my credit record? I'm about to apply for a mortgage and I believe that this will adversely affect my chances. Please help. Steve
  11. Thanks for the replies, guys. One last question regarding this. ...when should this be erased from my credit history? Will it appear for six years after I tell them it's statute barred or should it have been removed six years after I originally defaulted on it? And can McKenzie Hall or any of their other various debt collecting aliases add it to my credit history as being either active, in arrears, defaulted or statute barred?
  12. Hi guys, after a bit of advice and hopefully confirmation of what I believe. I took out a couple of loans with Welcome Finance. ..one a car loan one a personal loan. I'm not sure of the exact time I took them out but at best guess it would have been 2001 or 2002. Not long after I ran into trouble and couldn't afford the repayments. I made an agreement with Welcome to pay £10 per week on each of the loans which they accepted. In 2004 I moved house. In August 2006, I changed my bank account. Having had the conversation with Welcome before, I knew that the only way they would change the Direct Debit was if they sent me a new Direct Debit mandate by post and I sent it back. I wrote to Welcome from my new address informing them that I had changed my bank account and I needed new DD mandates to continue making my agreed payments. I heard nothing. In September of 2006 I wrote to them again to inform them that my old bank account was being closed and that if they didn't send me a new DD mandate the repayments would stop. Again, I heard nothing. Fast forward to around 2011 (ish) I got a phone call out of the blue asking if I was this account holder and I fobbed them off and never heard anything again from them. Then in early 2012, I started getting letters from MKDP demanding that I pay up for these loans which I chose to ignore as I figured that come September 2012 it would be statute barred and they'd no longer be able to chase me. They eventually gave up. Now, this year, MacKenzie Hall have started chasing me for this debt by post and I think by phone (I have caller ID and don't answer calls from witheld numbers or numbers I don't recognise). So far I've sent the letters back labelled "Not at this address". It's now October 2013 and I'm pretty certain the last payment to Welcome would have been late August or early September 2006 so am I right in thinking that this debt is now statute barred and MacKenzie Hall or anybody else can no longer chase me for it - even despite the threats of court action and bailiffs? Thanks in advance Steve
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