London1971
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Everything posted by London1971
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Ok, I think you need to call them and ask them why. I suspect they are repaying what you owe them by taking from your current entitlement, hence the reduction. This is always their preferred option for them to reclaim overpayments. It's only when you are no longer entitled to Tax Credits when you get the scary demand to repay coming through the letterbox. Give them a call, let me know if this is the case. Then it all comes down to whether you are ok financially with this reduction? I would say you have pretty good grounds for an appeal if you are not.. due to your son's illness at the time. There is an established procedure for making an appeal.. Also I only know about the Tax credit side of things because I have fought and won my overpayment appeal. I think you need to put pride on the back burner and see what other benefits you are entitled to ! Remember you have paid taxes all your life for times like this .. so don't feel bad.
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Right, Quick question. Are you still receiving Tax Credits?
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Have you filled in a TC846 and kicked off an appeal? Have you also sent a letter saying you are appealing? Have you looked at the Tax Credits COP 26 (code of practice?) to see if there are other grounds under which you can use to strengthen your appeal? Have you considered making a Tax Credits claim? They will take re payments off your entitlement, you can even ring them and ask to use the whole thing to pay back the debt? Simply writing to them, as you did, will have no effect at all...
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It took them 5 weeks to get my SAR stuff together. Go look at the Web site tax credit casualties. They will take you through the appeals process and what to do when you receive the SAR information. In fact I would recommend setting a couple of hours aside to study it. I used the information to mount an appeal and shove their £12 k 'overpayment' where the sun doesn't shine. The system is completely and utterly broken!
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Or your other way of stopping them is working in a self employed position, they will not be able to / are not allowed by law to deduct anything from your income. You would also be in a position of being able to make a claim also! -
Taking back control
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It's also good to know that none of this will affect your credit rating! Also if you now made a claim for Tax Credits and were entitled to even just a fiver a week they would stop chasing you and start deducting from your award. That's how utterly broken the system is! Might be worth considering as a quick way to get them off your back!
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Ok something I don't understand . In your case they have gone from 0-100 in 2 seconds, it doesn't make any sense whatsoever. Straight from writing to you to an AOE in 3 weeks ?!!! Firstly you have a right to appeal this decision within 30 days. Looks like they haven't paid any attention to that. Also please look at the Tax Credit office 'COP 26', https://www.gov.uk/government/publications/tax-credits-what-happens-if-youve-been-paid-too-much-cop26 . Special interest to you is on page 16. If your partner has left you, you , you will not have to pay back more than half. That is their own code of practice ! Ohh and once I'd received the SAR data, there were holes in it wide enough to fly a plane through! If it makes you feel better I got them to shove their £12k overpayment where the sun doesn't shine. Sorry to say, I'm not very impressed with your employer either! Regards Jonathan
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Hi there, Better and more experienced minds than me will soon be on to advise you, The general advice is to ignore them as they are powerless. They have already put a default on your credit file, which will fall off your file in 6 years. Aside from sending you more threat o grams, the worst they can do is try to give you a CCJ in the hope that you won't defend it. If and when that time comes there is loads of advice on here. Even you did end up with a CCJ it isn't the end of the world. You own your home, and don't need to get a mortgage. CCJ's do not show on your file forever, and also drop off after 6 years, so it's not terminal. PRA are really crap, and I have ignored them for years, (They are chasing me for £500).
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An email to your local elected head of the council can't hurt either Dear XYZ, I wonder if you can help, hopefully I am contacting the correct person. Put simply, I got behind on the Council Tax because of illness and inability to work. I'm now back working and would like to start paying off my arrears. I completely understand the importance of paying back this sum, however I have been visited by bailiffs who want to charge me an extra £375 in their fees. I'm quite happy to make a solid arrangement to pay back the council tax but my weekly income is only £xyz per month, this fee means I would need to either not eat or fall into rent arrears for the month! I can supply you with all details necessary if need be, Kind Regards' This is what worked for me! You should be able to find your local council details on the web. Talking to anyone in the contact centre is a waste of time, they are so poorly trained they have no idea of their own vunerable person policy. It took the head of the council less than half an hour to sort it for me , by the way! regards Jonathan
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It does seem a little far fetched how something that I could knock up on MS Word in 15 minutes could actually be enforceable
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Good point ! Honestly I don't mind paying it off say at £50 per month , or whatever ! I suppose I am looking at it from DX100's point of view. If it's not enforceable why pay the DCA.? Regards Jonathan
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So on this agreement, should I just sit this one out and see if they issue a claimform . Then defend if they do? Regards Jonathan
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Yep ! Should I just forget about it and wait for any claimforms if they ever come? They do have my current address.
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Taken out 15.5.12 They are after £1263 I didn't have the agreement, this is what they sent me. They have just printed out my name, they do not have my signature Regards Jonathan
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Hi All I was hoping for some help with this credit agreement that was sent over from Capquest in reply to my CCA request. It's a shop Direct agreement and to my eyes it appears to have all the ingredients of an enforceable agreement. There is no actual signature but my name and date is printed in the signature line, there are terms and conditions along with a date. The debt will slip off my Credit file on the 27th August 2019. If it is unenforceable I am inclined just to leave it and let it fall off my file in 2 years. However if it is enforceable I would like to be able to prevent Capquest issuing me with a CCJ? Any advice would be appreciated. PS The attachments are in the form of a Zip file, as it wouldn't allow me to directly upload the JPEG. Regards Jonathan Doc 3 Sep 2017, 16-28.pdf
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Your credit file sounds like a thing of beauty compared with mine, and I'm somehow getting a mortgage. If you have a decent deposit, that will go a very long way to helping. Here is what I have learnt, 1.Mortgage companies care about how good you have been in the last 12 months more than, cr*p that happened 5 years ago. 2. You might have to wait a few months after the default before you are eligible for the mortgage, no big deal house prices are stagnating anyway. 3. Pay day loans are the most toxic barriers to a mortgage, you will need to bay them off to be eligible, then wait for a further 3 months. 4. You will have to pay more interest than the average Joe, but still better than flushing it down the loo paying rent. 5. Deposit, Deposit, Deposit. This covers up a multitude of sins. If you can put down 20% you are hardly going to run off to Brazil at the first sign of trouble! Hope this makes you feel better
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A moment of madness? thinking i'm doing something to improve my credit rating? I never really worried about it until I started looking at buying a house. I'll call Northants Bulk on Monday. I also have a Capquest / Shop direct agreement for you guys to look at and tell me if it is enforceable. I'll start another thread tomorrow or Monday for that. Thanks for your help Jonathan
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So far, I have started paying off a Cabot CCJ on behalf of Capital One at £50 per month As for the others there are 2 Lowell one's. If I rang the court and ask for the claim forms would I be able to find out who the OC is? I noticed there is also another CCJ from December 2012 that must have gone to an even older address. Considering the age of this judgement and that it will drop off my credit file in just over a year, would I be wasting my money paying it off? Regards Jonathan
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Ok, that is pretty much as I thought. The only way to deal with it is to pay up and learn a lesson?
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I've had 2 CCJ's from Lowell appear on my credit file that went to my old address, this meant that I was unable to defend them. During that period Lowell were constantly writing to me at my current address regarding 2 other debts. This meant that they must have known where I live now and could have easily sent the Claimforms there. Is there any precedent for getting these set aside?
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Lowells backdoor CCJ on old CAT debt ***Claim Dismissed***
London1971 replied to andy210000's topic in Legal Successes
Andy 210000, They are called Just Mortgage Brokers. I've had to pay off some old debts, I've fought some and had them removed from my credit file. I have 4 CCJ's I have 20% deposit, and finally have a decent income but am still going to get rinsed on interest rates. That's why it would be amazing if I could get some of the CCJ's set aside and actually get a conventional mortgage. From what I have learnt a lot comes down to the age of the CCJ's and / or debt defaults. They are more interested how good you have been in the last year or so, than stuff that happened 5 years ago. Also the other thing that are toxic to mortgages are payday loans, my wife had some of these and it has taken ages to pay these all off. -
Lowells backdoor CCJ on old CAT debt ***Claim Dismissed***
London1971 replied to andy210000's topic in Legal Successes
DX100 Lowell have known my current address for the last 2 years, and have been writing to me. I also have 2 backdoor CCJ's from them , sent to my old address, yet Lowell knew damn well where I was living. ? Does that mean I have a shot at getting them set aside? Regards Jonathan -
Lowells backdoor CCJ on old CAT debt ***Claim Dismissed***
London1971 replied to andy210000's topic in Legal Successes
Hi Andy, This is what's known as a 'backdoor CCJ' It went to your old address and they won by default as you were unable to defend. Lowell will say that it's your responsibility to let your creditors know when you move, that's what happened to me, anyway. I have 3 of them, and I'm paying them off bit by bit. Honestly I was upset at first, but they will all be satisfied in 5 years, and off my credit file. It hasn't stopped me getting a mortgage, albeit with a higher interest rate, but it's still better than renting and I can always remortgage further down the line. It really isn't the end of the world! -
Yep I am a suspicious so and so about those Lowell slime buckets. 1. Both debts were pretty small £400 and 800 ish respectively. 2. The first one really didn't have any paperwork, and I also probably cost them more than that in time with my pnonecalls 3 The second's one agreement was genuinely terrible, I cost them loads in calls and it was going to leave my creditfile in July '18 anyway Now I am having a lot more difficulty with Cabot and Capquest right now, and those debts have years left to run.
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