After stumbling across my paperwork for this, I bumped my last email to Aviva on this and got this reply today: Dear Mr xxxx Thank you for getting back in touch with us about the sale of your Payment Protection Insurance (PPI). I’m sorry to advise that we have not received your questionnaire; in any case, I have taken a look at the documents you sent us on 26 August 2019 and these offer enough information for me to draw a conclusion. Unfortunately, Aviva is not the correct business to investigate your complaint and we’re unable to assist you in this matter. The available information shows that your policy commenced on 19 May 1998. Neither Aviva nor any Aviva subsidiary company was the underwriter of Welcome Finance PPI at that date. I do not have details of the underwriter but this information will be available from your policy document and/or your finance agreement. In conclusion, you will need to redirect your enquiry to the appropriate underwriter in the first instance. They will then investigate your concerns and issue you with their final decision. Any enquiry regarding undisclosed commission should be directed to the company that provided the finance. As we are not the underwriter of your policy, we do not hold this information. This stance falls in line with the Financial Conduct Authority’s (FCA) most recent statement which set out their view on the impact of the ‘Plevin v Paragon Personal Finance Ltd’ case and how firms should handle complaints relating to the amount of commission the lender received. Once you’ve received a final decision from the responsible business, you may have the right to refer your complaint to the Financial Ombudsman Service, free of charge – but you must do so within six months of the date of that final decision. If you do not refer your/their complaint in time, the Ombudsman will not have permission to consider it and so will only be able to do so in very limited circumstances. A link to their leaflet is as follows: http://www.financial-ombudsman.org.uk/publications/consumer-leaflet.htm Or, alternatively, they can be contacted at: The Financial Ombudsman Service Exchange Tower London E14 9SR Their e-mail address is [email protected]. If you would like to receive a copy of this letter by post or if you’d like a paper copy of the Financial Ombudsman Service leaflet, please let me know. To clarify, in the event that you choose to make a complaint to the Ombudsman about Aviva or any Aviva subsidiary company, we will ask them to dismiss the matter on the basis that we have no responsibility for the sale of this policy. I hope this letter explains Aviva’s position and I am sorry that I cannot assist you further. Yours sincerely Daniel Cheeseman Complaint Specialist Aviva UKI Just bumping this to ask - I thought we knew that Aviva were the underwriters? Hello all. Please could I have a hand with this as I'm not sure where to turn next?

Thank you for explaining.....I am gradually getting there!! The info sent from the "other employer" - is this the one from whom you earned £15,015 ? Yes, Sir. Any joy with HMRC re your 2021/22 tax code ? Yes, see below. It looks good to me.....but this doesn't seem to correlate with what was on last year's P800 of We will automatically collect the tax by increasing the tax deducted from your wages, salary or pension , usually in equal instalments for 12 months from next April. Or you can pay the tax you owe now online through your Personal Tax Account. Go to www.gov.uk/check-income-tax-last-year. This just now from my online HMRC account that I registered for:

Really? Wouldn't an employer be duty bound to have paid the correct tax? In case it is of interest, the other employer sent this today: *** started working for *** ****on the 14.10.19 and we did not have his year to date figures and a P45 was not supplied so **** was put on an emergency Tax code of 0T 1 on the 21.11.2019 we received an P6 notice from HMRC to change the Tax code for **** from 0T 1 to tax code 1223L 0 and for pay date 10.12.2019 ***** received a Tax rebate of £590.48, He did not have any Tax deducted for 10 weeks after his Tax Code was changed. We do not change Tax Codes we get notified by HMRC and only then we can change a Tax code, if he has been under charged for Tax then he needs to speak to HMRC as this is for the Tax year 2019 - 2020 prior to starting with us, we do not have any details for him.

Update from Amazon: I am reviewing your comments with the relevant teams internally and will follow up as soon as I have an update from them.

The email has been sent.....and thank you

No. I will ask....

Good morning and thanks for the help so far. OK, Amazon got back to me re the Ts and Cs: Their email stated this: Our Kindle Terms & Conditions, Prime Video Terms and Conditions and general Conditions of Use & Sale are at the pages below. I would direct you to point 3 of the Kindle Terms, Point 6 of Prime Video terms and Point 7 of our Conditions of Use for the relevant information relating to the termination of accounts. https://www.amazon.co.uk/gp/help/customer/display.html?nodeId=201014950 https://www.primevideo.com/help?nodeId=202095490 https://www.amazon.co.uk/gp/help/customer/display.html?ie=UTF8&nodeId=201909000 To save you scrolling, here are the points he pointed me towards: Point 3 Kindle Terms: 3. General Personalization. We personalize content and features in the Kindle Store and as part of the Services provided in this Agreement, including by showing you recommendations on features, Kindle Content, and services which might be of interest to you. Termination. Your rights under this Agreement will automatically terminate if you fail to comply with any term of this Agreement. In case of such termination, you must cease all use of the Service, and Amazon may immediately revoke your access to the Service without refund of any fees. Amazon's failure to insist upon or enforce your strict compliance with this Agreement will not constitute a waiver of any of its rights. Changes to Service; Amendments. We may change, suspend, or discontinue the Service, in whole or in part, including adding or removing Subscription Content from a Service, at any time without notice. We may amend any of this Agreement's terms at our sole discretion by posting the revised terms on the Amazon.co.uk website. You will be subject to the terms of the Agreement in force at the time that you use the Software or Service. Applicable Law. Any dispute or claim arising from or relating to this Agreement or the Service is subject to the Applicable Law, liability and all other terms in the Amazon.co.uk Conditions of Use (https://www.amazon.co.uk/conditions). Exclusion of Liability. Without limiting the exclusion of liability in the Amazon.co.uk Conditions of Use, (1) In no event will our or our software licensor’s total liability to you for all damages (other than as may be required by applicable law in cases involving personal injury) arising out of or related to your use or inability to use the Software exceed the amount of fifty pounds sterling (£50.00); and (2) in addition to any rights to obtain a repair, replacement or refund via your statutory rights, in no event will our or any other Content Provider's aggregate liability to you for all damages arising from your use of the Service (excluding the Software) exceed the amount you actually paid for the Kindle Content or for the aspect of the Service related to your claim for damages. Nothing in this paragraph affects your statutory rights as a consumer or any liability for death, personal injury, or fraud. Point 6 Prime video: 6. ADDITIONAL TERMS a. Termination. We may terminate your access to the Service, including any subscription available as part of the Service, at our discretion without notice (except as may be required by applicable law). If we do so, we will give you a pro-rated refund of your subscription fee (if any); however, if you violate any of the terms of this Agreement, your rights under this Agreement will automatically terminate without notice, and Amazon may, in its discretion, immediately revoke your access to the Service and to Digital Content without refund of any fees. In such event, you must delete all copies of Digital Content that you have downloaded. b. Explicit Content. By using the Service, you may encounter content that may be offensive, indecent or objectionable; this content may or may not be identified as having explicit language or other attributes. Nevertheless, you agree to use the Service at your sole risk, and Amazon has no liability to you for any content. Content types, genres, categories, and descriptions are provided for convenience, and Amazon does not guarantee their accuracy. c. Communications. We may send you promotions or otherwise communicate with you electronically, which may include e-mail, push notification, or posts to your Amazon Message Center, and you hereby consent to receive those communications (unless you are a customer in the UK, European Union, Turkey or Brazil, in which case you separately decide whether or not you wish to receive these communications). These communications will be in accordance with the Amazon Privacy Notice of your Video Marketplace (noted here). To stop receiving marketing communications from Amazon Prime Video, update your marketing communication preferences from Your Account. d. Modification of Service. Amazon reserves the right to modify, suspend, or discontinue the Service, or any part of the Service, at any time and without notice (except as required by applicable law), and Amazon will not be liable to you should it exercise such rights, even if your ability to use Digital Content is impacted by the change. e. Amendments. Amazon reserves the right to make changes to this Agreement at any time by posting the revised terms in connection with the Service or on your Video Marketplace (noted here). To the maximum extent permitted by law, your continued use of the Service or Software following any changes will constitute your acceptance of such changes. However, any increase in subscription fee will not apply until your subscription is renewed. f. Reservation of Rights; Waiver. The Service, Software and the Digital Content embody intellectual property that is protected by law. Copyright owners of Digital Content are intended third-party beneficiaries under the Agreement. Our failure to insist upon or enforce your strict compliance with the Agreement will not constitute a waiver of any of our rights. g. Disputes/Binding Arbitration/Conditions of Use. Any dispute or claim arising from or relating to this Agreement or the Service is subject to the governing law, disclaimer of warranties and limitation of liability, binding arbitration and class action waiver (if applicable), and all other terms in the Amazon Conditions of Use of your Video Marketplace (noted here). You agree to those terms by using the Service. YOU MAY ALSO BE ENTITLED TO CERTAIN CONSUMER PROTECTION RIGHTS UNDER THE LAWS OF YOUR LOCAL JURISDICTION. h. Limitation of Liability. Without limiting the disclaimer of warranties and limitation of liability in the Amazon Conditions of Use of your Video Marketplace (noted here (i) in no event shall our or our software licensors' total liability to you for all damages arising out of or related to your use or inability to use the Software exceed the amount of fifty dollars ($50.00); and (ii) in no event shall our or our Digital Content providers' total liability to you for all damages arising from your use of the Service, the Digital Content, or information, materials or products included on or otherwise made available to you through the Service, exceed the amount you paid to us over the past 12 months to purchase, rent, or view the Digital Content related to your claim for damages. The limitations in this section will apply to you even if the remedies fail of their essential purpose. CERTAIN JURISDICTIONS, INCLUDING JURISDICTIONS IN THE EUROPEAN UNION, DO NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES OR THE LIMITATION OR EXCLUSION OF LIABILITY FOR CERTAIN TYPES OF DAMAGES. IF THESE LAWS APPLY TO YOU, SOME OR ALL OF THE ABOVE DISCLAIMERS, EXCLUSIONS, OR LIMITATIONS MAY NOT APPLY TO YOU, AND YOU MAY HAVE ADDITIONAL RIGHTS. i. Contact Information. For communications concerning this Agreement, please write to Amazon at the applicable notice address listed here. j. Severability. If any term or condition of this Agreement is deemed invalid, void, or for any reason unenforceable, that part will be deemed severable and will not affect the validity and enforceability of any remaining term or condition. Point 7 Conditions of use: 7. YOUR ACCOUNT You may need your own Amazon account to use certain Amazon Services, and you may be required to be logged into the account and have a valid payment method associated with it. If there is a problem charging your selected payment method we may charge any other valid payment method associated with your account. Click here to manage your payment options. If you use any Amazon Service you are responsible for maintaining the confidentiality of your account and password and for restricting access to your computer, and to the extent permitted by applicable law you agree to accept responsibility for all activities that occur under your account or password. You should take all necessary steps to ensure that the password is kept confidential and secure and should inform us immediately if you have any reason to believe that your password has become known to anyone else, or if the password is being, or is likely to be used in an unauthorised manner. You are responsible for ensuring that the details you provide us with are correct and complete, and for informing us of any changes to the information you have provided. You can access your information in the Your Account section of the website. Please see our Protecting Your Privacy Help Page to access your personal information. You must not use any Amazon Service: (i) in any way that causes, or is likely to cause, any Amazon Service, or any access to it to be interrupted, damaged or impaired in any way, or (ii) for fraudulent purposes, or in connection with a criminal offence or other unlawful activity, or (iii) to cause annoyance, inconvenience or anxiety. We reserve the right to refuse any Amazon Services or terminate accounts if your behaviour gives justified reason to do so. This will in particular be the case if you are in breach of applicable laws, applicable contractual provisions, our guidelines or our policies, which are all accessible on the website. Notwithstanding any such limitation or termination, you will continue to have access to content and services purchased by you up to that point.

Good morning and thank you for the help: Questions: 1. Has HMRC said how they intend to recover the amount underpaid. According the attached PDF 'A', they say: 'What happens next We will automatically collect the tax by increasing the tax deducted from your wages, salary or pension , usually in equal instalments for 12 months from next April. Or you can pay the tax you owe now online through your Personal Tax Account. Go to www.gov.uk/check-income-tax-last-year. So that will be next month? 2. Have you been told your tax code for 2021/22, to be used from 6/4/21 onwards. Not yet, I shall try to contact them today. I have attached both pages of that P800 with my name redacted (thanks so much for that). So, am I right in suggesting that it is now the employer who paid me £15,015.13 and only paid £555 tax that I need to contact and ask why so little tax paid? a (1).pdf b-compressed (1).pdf

Hi mate, just so you know, I’m happy to throw £10 at this ruddy thing if it helps - perhaps others might want to do the same? I have been emotionally invested in this for a long time. Could easily have been me.

Hi. Thank you. I think ‘B’ PDF states how much I earned with all three employers?

Years ago I claimed for washing my own workwear? Ha, certainly not Marcus!! Good news - I found my P800, attached. You will see one employer paid zero tax (the one that reimbursed me) and another, a ruddy employment agency, paid £555 tax on income of £15015.13. This isn't right, I assume? a (1).pdf Here is the other side of it...

4 figures???

Just checked my payslip this month: 1264L / 1

Thank you for your excellent breakdown. Unfortunately, whilst I consider myself reasonably intelligent (loosely), I just can't seem to get my head around tax codes. If I provide my current tax code, would you be able to ascertain whether I am paying this £2,000 back via my wages?

Yep. That payslip was from 31st August 2019. Interestingly, it shows pension contributions made but I did receive a letter from the Pensions Ombudsman informing me that they were on that employer's tail due to not payments made on my behalf. Odd.

Just seen that the amount has been paid.

Thank you so much. I will try to answer the questions tomorrow. For now, here is a screenshot of the first payslip (didn't get these until I had hassled their accountant after I left). jpg2pdf.pdf

Thank you. I can confirm no additional letters. However, it looks like the payment will be made tomorrow after some messages between us. Fingers crossed. I will provide the rest of the info tomorrow, if that's okay. However, looking again at it, I can't see that my 8 weeks of work could run up such a deficit. Worked from August 2019 to October 2019 (possibly started late July but will check). Worked as a Welder, company made / make swim spas. No did not keep copy of P45.

Brilliant stuff. Tax code was: 1250L

Hi all, A few months ago I received a letter from HMRC telling me that I owed about £2,000 in tax. Long story cut short is that I was employed for a few months on (too good to be true) good money. Recently I contacted the company's accountants and they stated 'I can confirm there was no tax paid on the understanding that you had not provided a P45 for a previous employment'. I have the payslips from the accountant (that I never received whilst working for the company) and they do show NI being paid but never any tax. The wages were always paid direct from someone's bank account, not a company account. I found out as I worked for the company that they were the most shady company I have ever known. Now, I ruddy well did provide that P45.....but how on earth can I prove this? Thanks, all.

Thank you for this. I am keen to go ahead and try, it would be interesting. Re any 'red markers', that ship has sailed. I sure would appreciate a few pointers as to where to start on this?

Can you give me a few pointers where to start, please?

Incidentally, there used to be a link on here for a guide to the small claims process - can someone point me towards it or a similarly recommended guide?

I take your point....but I am willing to. I guess it would take time away from you guys though so thank you for the help so far. Do please bear in mind that once children enter the fray, even the most organised of people tend to, at least temporarily, fall in to a state of flux. As well as the other things in life that come up unexpectedly. Ie - you’ve made enough comments about my (temporarily) state of disorganisation!

Quick one - just checked the DSAR logs and it says they refunded me for the bottle? I think what threw me was the 'dirty bottle' comment which really upset me as, believe it or not, I'm a decent chap and wouldn't have sent anything back like that. They have never mentioned that they suspect mislabelling? I am happy to take the chance with a claim against them if I can have a few pointers?