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minkie64

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About minkie64

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  1. Hi So this has been quiet Since Feb 17...till 7th March when I got a letter from Resolvecall Creditor DLC - MBNA Cabot Financial (Europe) Ltd We are acting on behalf of Cabot Financial (Europe) Ltd who have purchased you account from DLC - MBNA. We have been instructed to contact you to out you back in touch with Cabot who will aim to find an amicable resolution which is affordable, based on your circumstances. We would ask you contact Cabot Financial (Europe) Ltd on 0345 xxxx within 7 days to discuss this matter or if you prefer, we can send one of our representatives to make a personal visit to your home. The purpose of this visit is to offer to assist you in contacting our client to discuss your account and offer personal support to review your options and to resolve the matter. Please do not ignore this letter. Act now to have a positive discussion about your account. Then their contact details.. Of course I just filed it with all the other paperwork. BUT I have just had a visit from Resolvecall. I had a neighbour in with me so denied anyone by this name lived here. He left an envelope with contact details and asked me to call. HELP what do I do??? TIA
  2. hi London1971 many thanks for your help I'll call my gp tomorrow and get an app to see him and ask for a letter.. will update as soon as I can thanks
  3. Hi, Yes, my original letter I asked for the £390 to be written off due to financial hardship - I got the info from direct gov website rather than COP26 leaflet - this is what I quoted in my letter “Claimant is on sickness/incapacity benefit Where a claimant is in receipt of a sickness benefit such as incapacity benefit or employment and support allowance, cannot afford to offer any repayment to HMRC and there is little prospect of them ever gaining employment, HMRC should write off the outstanding overpaymenticon. If there is some prospect that the claimant may be able to enter employment in the future, recovery should be suspended for 12 months and the situation reviewed at the end of that period.” I think my problem is that I didn't include PIP but put petrol on income / Expenditure form. I also have a joint mortgage with my daughter, who is currently paying it all. This started in April when the Mortgage interest payment changed from a benefit to a loan. I have a CO on the property and we didn't want DWP putting another on. The house is currently up for sale for less than paid. We also have a homebuyers 25% loan to repay, so assuming it sells at current price there will be nothing after Mortgage, Homebuyers loan, CO, solicitors and estate agents fees...I didn't go into all this though as I didn't know how to word it all without looking like I was trying to avoid them or worse, they go after the house....I did say my daughter was paying my half of the mortgage though, but not that house is up for sale. AM sure they check rightmove etc! They know I haven't worked since May 2011 and they know I am on ESA in the support group. I did explain this and say I had a chronic condition with very little chance of any change to my circumstances. I am in a luckyish position that my daughter makes sure all the bills are covered which is why I am not in arrears with these. but once I move, money will be tighter for me I just feel totally overwhelmed by them and not really sure what is essential ...they accuse me of omitting non essential items - I don't even know how to respond to that! I didn't lie or try to deceive them, I tried to write a letter stating the facts and include as much information as I could, yet I feel they have picked over my letter and replied in a very negative accusing way along with a threat of further action. it seems unfair they can chase something after 9 years and not a word for 3 years Sorry to rant on!
  4. it's all relevant to where you are financially I think they shouldn't be able to do anything this far down the line...and when they know I am on benefits...we all know there isn't anything left over from paying for essentials ( People have had thousands written off as well...I never gt things to go in my favour!
  5. this over payment is from 2009 when I was working, I stopped working in 2011 due to bad health. not heard anything since 2015 so yes, it's all a mess....
  6. hi I will just accept it and make on offer, I can't deal with the stress ( already been sick after a panic attack when I read the letter) it's £390 I owe, so if I offer £10 a month, it will be gone in 39 months or less if I can pay more. Does anyone know of an amount they will accept? I am on ESA Thanks
  7. so I wrote to them...sent income and expendiure but messed it up..I said my daughter is paying my half of the mortgage till house is sold, but never went on to tell them it's in negative equity and after the charging order is paid ( put that as debt ) there is no money. I didn't add PIP as I thought it didn't count towards income? I did put petrol on but no other costs as PIP covers everything else this is the reply from them You indicate you heard nothing between 2009-2015 although we did send letters regarding this. We also attempted to recover this amount through your PAYE in this time. On returning from DCA your overpayment is still due and payable. If the amount was remitted we would have notified you about this. You provided income and expenditure as written indicates negative income. There is no explanation as yo how you are affording to spend more than you receive financially. Omitting non necessary items from your income and expenditure shows you are in a position to repay this overpayment. You also list assets that ca be used for recovery of what is due. Please call us immediately to discuss repayment options. Further legal action will be taken if you do not pay. I don't know how to respond - can I offer £1 a fortnight? I would rather try to get it repaid rather than they take my benefits for a few months....it is only £390 outstanding so don't want any court hassles... any ideas? thanks
  8. Still stuck here, CO has to be paid, house now up for sale and we should just about have enough to pay it off. Halifax wouldn't do anything till paid off and because there could be enough equity it has to be paid. Shoos won't take a lower amount to settle now so we wait
  9. Hi I wonder if anyone has managed to have their tax credit overpayment written off? I got a letter in 2015 from HMRC telling me I owe £390 from 2009. I have no other details. They past the debt to Pastdue. I read all the tax help I could and found this “Claimant is on sickness/incapacity benefit Where a claimant is in receipt of a sickness benefit such as incapacity benefit or employment and support allowance, cannot afford to offer any repayment to HMRC and there is little prospect of them ever gaining employment, HMRC should write off the outstanding overpayment. If there is some prospect that the claimant may be able to enter employment in the future, recovery should be suspended for 12 months and the situation reviewed at the end of that period.” I wrote to Pastdue, sent them income / expenditure and said I couldn't afford to pay and asked them to write the debt off as per HMRC guidelines. I got a letter back a week later saying past back to HMRC I heard nothing till today when I got a letter from HMRC saying I owed them £390. I went back to my letters and checked my link, it's now changed slightly to this Claimant is on sickness/incapacity benefit Where a claimant is in receipt of a sickness benefit such as employment and support allowance, cannot afford to offer any repayment to HMRC and there is little prospect of them ever gaining employment, HMRC should remit the outstanding overpayment. If there is some prospect that the claimant may be able to enter employment in the future, recovery should be suspended for 12 months and the situation reviewed at the end of that period. If the claimant becomes entitled to universal credit then the tax credit debt can be collected by DWP from the UC award. I called HMRC to ask ask for them to write the debt off and was told I need to call back with a full income / expenditure but he said they don't write any debt off... so, I am confused as to why the website would say this, why I haven't heard anything for years and wonder what is the best way forward. I can't afford to pay them anything, but would pay £1 a month to stop any further actions. any help? thanks
  10. Hi THANK YOU!!! I will file it with their other letters and see what happens next. Your fast response is greatly appreciated.
  11. Hi I'm back with an update o n this drama... I sent a copy of the Variation Order in Sept last year and heard nothing, not paid them and forgot about it to be honest....till yesterday when I got a letter... 70% discount available pay £447.83 to settle my account Dear Madam, We act on behalf of Arrow Global Management Limited who has obtained a CCJ against you. Our client would like to give you the chance to settle your outstanding balance at a reduced rate by offering you a 70% reduction on your current balance. This offer will expire after Monday August 13, 2018. Should you not take advantage of this offer, the full balance of £1,492.77 will remain outstanding and without suitable repayment proposal towards the outstanding balance enforcement action may be taken against you using one of the following methods: Attachment of earnings Warrant of control Charging order Please not enforcement action may incur additional costs which you will be liable for. It is now important that you contact us. Pay the sum of £447.83 to settle your acocunt Satisfy the CCJ and improve your credit rating Contact us to discuss an affordable repayment plan Avoid further legal action Call today to speak to a case manager on xxxx or go online to make a payment yours... pestons so, I can't pay this amount, could scrabble about £220 together, shall I write, send another copy of variation order and offer £220 in full and final settlement and if not accepted, tell them I want to pay the £1 a month as per variation order? just curious with the 6 year date long since gone as to what they can do? thanks for your help
  12. Sorry, I wasn't trying to mislead over when the fees have been added. Thanks for your help Lets see what the mortgage company say now thank you all
  13. its the fees from getting the CCJ to getting the CO along with court fees, solicitors fees, letters etc...since the CO they haven't added a penny
  14. Mortgage have given a DIP, waiting on builder to agree to less ( we bought at £200K, now worth £185K, original loan was £50K but you repay 25% of sold price, therefor we should only need to pay them £46K which is affordable. But then nothing left for CO. Daughter would take a hit on fees etc to keep the house My fear was we would have to clear loan and CO when not enough money Date of CCJ was April 2011 and CO was made final in Jan 2014, they got interim in July 2013. we tried to appeal on the grounds that there was no equity in the house the fees are court fees, letters etc from the original CCJ to CO _ I think they are out outrageous, but think I am stuck with them?
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