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About mrsd1

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  1. Sorry, you misunderstand, they said I wouldn't get people banging on the door (as in bailiffs etc) the worst case was that I would possibly get another letter asking me to pay again, all I had to do if that happened was call them and tell them I still wasn't working, until such time that I was working again.
  2. Actually, I rang HMRC and this is a genuine investigation to check I am not working as I have advised them. It isn't a DCA. I have fallen for nothing. But thanks for trying to make me feel even worse!!!! No, I don't have anything from the SAR. As stated, I have been through and through this with them. I am now too far outside the time frame to dispute it again. I still am unable to prove I paid for the childcare as I have no receipts, I don't have any contact with the childminder and even if I did, it's from 2009 and I highly doubt they would have those records
  3. Update to this thread - I've just had a man pounding on my door (I was getting out of the shower, my toddler son is napping).. . I go down and see who it is and he says he is from HMRC and wants to come in to go through my finances. I was shocked and scared, I had been reassured on the phone in June that the debt was suspended and that all I would get is a letter and would just have to call them again to suspend further until I start working again and can start to repay them. The guy is coming back on Friday morning (I was in a towel and in tears on the doorstep)... I
  4. The disputes etc all happened a few years ago. I have been stupidly ignoring it for a long time hoping it would just go away on it's own. I'm sure that the timings were all ok back then with them asking for the proof, I just haven't been able to sort it out and it's been a few years since they asked for the money back, until Jan 2016 and again last week.
  5. Thank you both for your replies. The trouble with the whole thing, and why I had it in dispute previously, is that back when this all was being paid, I had a big falling out with the childminder I was using, for hitting my child. I withdrew her immediately from their services and it all became rather nasty, with them making threats etc. In all of this, I had no receipts for the childcare I had paid for (stupidly had paid cash, first childminders I had ever used and hadn't asked for receipts as didn't expect things to go like they did).. I had no proof that I had
  6. Hi, I have been advised I owe HMRC Tax Credits overpayment dating back from 2009 of £3300. I have been through disputes and SAR etc, but as I am unable to provide childcare receipts from this time, I cannot get out of having to repay. My question though: The debt is from when I was a single parent, living alone with my daughter. I am now married, and I stay at home with my new son and my daughter. I have no income other than child benefit. My husband has nothing to do with this debt as it was from before we lived together. We have not claimed any tax credi
  7. We did, however naively we used the TW recommended one. I have been through our enquiries book and can see nothing relating to the stop.
  8. Hi there, hope this is in the right place. Background - we reserved a home with Taylor Wimpey in January 2015. On 14th Feb 2015, we completed a reservation checklist (of which we have a copy) where we went through the plans for the estate, this detailed drains, trees, sub stations, etc etc... We completed and moved in on 3rd July 2015. Very happy in our home, until 7th Jan this year, when the local bus company erected a temporary stop outside our kitchen window. This stop is less than 3 metres from the front of my house and right in front of my gate. We knew the road was to be a
  9. Just to provide an update - the letter before action worked. The management company had been taken over by another management company who reviewed all our files and the emails we had from the previous mgmt. company saying they would credit us, and they agreed to refund us. Just waiting on the money to be paid into our account now. Success!! Thanks for all the advice.
  10. Hi there, Just checking, I am about to send my letter of action to them prior to taking to small claims. Can I send an email or does it need to be an actual letter?
  11. That's what we are wondering, but as the buyers knew the fees paid were an estimate, and they had asked for a retainer in case of an underpayment, and that we had asked the management company before we moved to pay us directly and not credit the account, and they agreed to it, would this go in our favour? With small claims, if we did not successfully claim, would we have to pay any court costs for the management company? Just wondering whether it is worth pursuing really.
  12. They informed us before we sold of the first overpayment from the first year's accounts. We then advised them that we would be moving and that that and any further overpayments should be sent to us via cheque or bank transfer and NOT to be credited to the account, and they replied saying they noted our instruction. They then just credited the account once they had completed their accounts (two years worth in November, which is when we started trying to fight for the money but have hit a brick wall). The buyer had specifically asked for a retainer of £200 to be held in the event of an underp
  13. Hi there, Just wondering if anyone can help. We moved into our previous house in 2011. We paid a management company each year for the communal service charge as instructed. Not an issue. However, when we were in the process of selling in 2015, our solicitor found that the accounts for the previous four years had not been completed and filed by the management company. We were advised that our buyers wanted to hold a retainer of £200 in case of an underpayment, which we agreed to. Just before we exchanged contracts, the management company emailed to advise that for the first year (2011-201
  14. Thanks for the replies. I still wouldn't have receipts from the childminder, they have moved since. What would the subject access request do if I'm still unable to prove my childcare fees? Do I raise the dispute with Rossendales and how do I go about that? I feel that as I cannot prove my fees, this will never be written off, and then I am back to needing to pay it, at what point do I tell them I have no income of my own? Will they demand payment by my now husband?
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