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maud26

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Everything posted by maud26

  1. Sorry to post again, but i have done some digging and gone through my paperwork which has refreshed my memory on things somewhat. In January 2003 we took out the first car loan with PPI added, in 2005 we had a further one or two (i can find various details relating to two different dates in 2005) unsecured loans both with added PPI - each time we were advised that we wouldnt be able to have the loan without PPI! In 2007 I sent an SAR and was eventually sent a huge pile of documents relating to the most recent account history with a letter saying 'if anything is not present then its because we no longer have it'. And after a few letters back and forth regarding PPI they sent a letter saying that it was their final response and that they didnt believe any wrongdoing had taken place. We haven't heard anything over the past couple of years until the Fscs contacted me (not FSA as prev posted) to advise that they were dealing with Welcome PPI claims from January 2005 onwards and to date we have heard nothing from them. I intend to chase this tomorrow. Now I still wonder what the next best route is, as if Welcome no longer hold my account details prior to 2005 what chance do i stand of reclaiming PPI? In the short term i just need to stop Empingham from calling mine and my wifes phones night and day but due to the tricky situation i dont know how to do that! This nightmare is just getting worse it seems with no end in sight Hoping someone maybe able to help
  2. I've had twelve calls again today from 8.15am onwards - could anyone advise on what we can do? I dont know whether to send a PPI letter or account in dispute letter or neither Thank you
  3. Hi We had an account with welcome finance dating back 8-9 years, last made payment approx 5 years ago and since then apart from a few attempts from various unsavoury dca's we have managed to avoid making payment. This is due to two main reasons - we are heavily in debt and have negative available funds at the end of each month Welcome stung us for PPI knowing full well it would be of little use as my wife is chronically ill and has been for 14 years. We have made attempts at reclaiming the PPI but have never got anywhere and to be honest i can't recall the stage we were at as its such a long time ago. We did have a letter from (i think) the FSA regarding them pursuing a PPI claim on our behalf against Welcome and advising us that they had gone into administration or something but we have not had any response and thats at least 12 months ago. in the past 6 weeks we have begun to be bombarded with calls from Empingham regarding the welcome debt! Can anyone advise on the best course of action please? Can they chase a debt from a company who is in administration and if they now own this debt can we pursue them for PPI? I am at a loss and my wife is still having chemotherapy and her phone is ringing constantly with these hounding us both at all hours Any advice would be greatfully received. Thank you
  4. maud26

    Tax credit fraud!!

    I know exactly what you mean :-/ i wonder myself how we made it to today sometimes but i guess what doesnt kill you makes you stronger!! Try and stay strong - we are all in it together xxx
  5. maud26

    Tax credit fraud!!

    Gildo - i wish i could say something to reassure you further - i have spent two days beating myself up, thinking i'm a bad parent etc and blaming myself but i cant take full responsibility if they have had this info since april 2010. My other half has been in and out of our lives for the past 2 years - mainly due to my illness as i'm having chemotherapy at the moment but i didnt even try to explain that, it was pointless! they just assured me that there would be no prosecution or penalty so i really think you will be fine hun xxx
  6. maud26

    Tax credit fraud!!

    so it will be best if im prepared then i guess fab - thank you xx
  7. maud26

    Tax credit fraud!!

    Hi doomed - did they go into your income/outgoings in order to agree on £50 a month? Or did you suggest that figure? You are right - they dont live in the real world do they? x
  8. maud26

    Tax credit fraud!!

    ECB49 - try not to worry, i know its easier said than done - maybe you could call them again tomorrow? I felt the same i.e why are they calling me back so quickly if everyone else is taking longer - i think we are all so on edge our thoughts are irrational at the moment. I had all sorts of crazy thoughts going through my head - still do but i feel better than i did this morning. Just a waiting game now. Gildo - poor you, i suspect they wont bother with anything before 2010 if thats what your letter says - they never asked me about before that time so try not to worry. They did tell me that they dont prosecute or issue penalty as its something to do with human rights?!? xxx
  9. maud26

    Tax credit fraud!!

    No timescale - i dont think anyway as my head was pretty mashed She said i would get a letter from her stating that my curreng claim ended today etc but then it would be the overpayment team dealing with it. So im not sure of their timeframe - let me know if you hear? I have been just the same myself, still cant eat to be honest. I broke down at work so had to tell my friend - the shame! From what ive read people pay £50 ish a month - is that what you've read? I could just about afford that xx
  10. maud26

    Tax credit fraud!!

    Hi worryb Yes back to 06/04/10 so alot to repay - will be paying it till im elderly lol! I just hope they are lenient on the repayments as we dont have much spare at the mo. i would have done something very silly if it weren't for this site over the weekend - i am truly grateful. Xx
  11. maud26

    Tax credit fraud!!

    P.s i will update as i hear xx
  12. maud26

    Tax credit fraud!!

    I called them at 12.30 and spoke to a really snotty man, very condescending! And he advised someone would call me back asap - probably this afternoon! At this point i really panicked cos i knew they had told you 2 wks and began to think they must be taking mine very serious! Well i had a call back within half an hour (couldnt post on here as i was at work) from a lovely lady who said that the overpayment would now be calculated and the overpayment team would contact me by letter and i then need to call them to arrange a repayment plan. She advised me to make a joint claim tomorrow - cant see much point but worth a try i guess. She was very reassuring and said there would be no penalty or prosecution so i feel very relieved in that sense. Just need to wait now - a huge THANK YOU to everyone here for your advice, i really appreciate it xxxx good luck to you all too
  13. Well i had a call back within half an hour (couldnt post on here as i was at work) from a lovely lady who said that the overpayment would now be calculated and the overpayment team would contact me by letter and i then need to call them to arrange a repayment plan. She advised me to make a joint claim tomorrow - cant see much point but worth a try i guess. She was very reassuring and said there would be no penalty or prosecution so i feel very relieved in that sense. Just need to wait now - a huge THANK YOU to everyone here for your advice, i really appreciate it xxxx good luck to you all too fingers crossed for a better nights sleep too!
  14. Just made the call completely panicked and he didnt give me any chance to explain! He said someone would call me back possibly this afternoon, and that they had a date of 06/04/2010 for my hubby living there. Im in a worse state than ever now because i didnt get anything out that i wanted to i feel like a complete criminal
  15. Thank you so much for the reply. Another sleepless night i hope i can get some comfort from calling them today however small. Did they go for the whole 2 years or did they have a date when they think yr hubby lived with you? Its the not knowing thats the worst part - i will post back as soon as i call them - good luck xxxx
  16. maud26

    Tax credit fraud!!

    It is to me hun and i havent even called them yet i am so grateful to you all for the advice, just to know someone else knows how you feel makes it slightly easier. I will post back as soon as i've made my call, i still cant eat properly - my brain just wont switch off! I've even taken beta blockers to try and calm down but they only work for so long. I hope tomorrow isnt too traumatic, fingers crossed. Thankyou so much for your advice xxxx
  17. maud26

    Tax credit fraud!!

    Ecb49 - i thought that was quick too, my office is Preston, really not looking forward to making the call. Did they say why it would take two weeks to call you back? Xx
  18. maud26

    Tax credit fraud!!

    Ecb49 - thank you for your reply, i've had no sleep at all and dont know how i'm going to face work tomorrow as well as calling in between I know they probably have a date of when they think he has been living here since and i dont want to make things worse by saying the wrong thing! If i tell them the truth chances are they wont believe me anyway so its prob easier to let them go by their info - i really dont have much fight in me. Thank you for your help - good luck to you too xxx
  19. maud26

    Tax credit fraud!!

    Can anyone advise on what HMRC say in that first phone call please? I have to call them on monday and i'm dreading it - had a migraine since i opened my mail this am and i cant face eating at all. I dont know what i would do without this forum xx
  20. I know I am panicking - i dont know how i am going to be able to speak to them and i feel like i cant leave the house - irrational i know but i am totally distraught. I have a hospital appointment this afternoon for tests and i cant eat so i know the tests will be more difficult. Its just a nightmare and i think its worse because i cant actually speak to anyone today x
  21. thank you for merging the two x
  22. Hi I am reposting as i think i may have posted in the wrong place - sorry if not Hi Today i received a letter from tax credits stating that they think i should be claiming as a joint claim as they have info that i have a partner. The letter looks at claims for 2010-2011 and 2011-2012. I am petrified, my stomach is lurching. For the past two years my husband and I have had a really rough time - through one thing and another we have spilt up several times and got back together, he has lived in a caravan on our garden while we tried to resolve our issues. I am wheelchair bound and have been having chemotherapy treatment for the past two years for an immune system condition, despite this i work full time - my husband also works full time as well as caring for me, he has worked full time for the past 10 months and prior to that had sporadic work through an agency which was more miss than hit. My tax credit award covered child tax credit and working tax credit - a percentage of which was disability tax credit. 3 weeks ago we sold the caravan as we really felt we could get back on track and when i have tried to call the helpline to let them know it was permananently engaged, i know i should have written but with one thing and another i didnt and now we are in this mess, all my own doing i know but i dont have a clue where to go from here. Can anyone offer any advice - the letter suggests contacting CAB, is this the best course of action? Hope someone can help xx
  23. HI Thanks for your reply. I have read some previous posts on here which say that HMRC have a different set of rules to the DWP but i cant think clearly at the moment, he does use my address for correspondance, i was hospitalised for a few weeks and to be honest it was easier to leave certain bills in his name as after having a stroke i didnt have the ability to deal with anything. We dont have permission for the caravan as to be honest the thought never crossed my mind. I feel like ending it all to be honest - i really cant cope with the stress and i cant speak to anyone from HMRC until monday nor CAB - nowhere is open. thanks
  24. Hi Today i received a letter from tax credits stating that they think i should be claiming as a joint claim as they have info that i have a partner. The letter looks at claims for 2010-2011 and 2011-2012. I am petrified, my stomach is lurching. For the past two years my husband and I have had a really rough time - through one thing and another we have spilt up several times and got back together, he has lived in a caravan on our garden while we tried to resolve our issues. I am wheelchair bound and have been having chemotherapy treatment for the past two years for an immune system condition, despite this i work full time - my husband also works full time as well as caring for me, he has worked full time for the past 10 months and prior to that had sporadic work through an agency which was more miss than hit. My tax credit award covered child tax credit and working tax credit - a percentage of which was disability tax credit. 3 weeks ago we sold the caravan as we really felt we could get back on track and when i have tried to call the helpline to let them know it was permananently engaged, i know i should have written but with one thing and another i didnt and now we are in this mess, all my own doing i know but i dont have a clue where to go from here. Can anyone offer any advice - the letter suggests contacting CAB, is this the best course of action? Hope someone can help xx
  25. Hi Hoping someone can advise me on what to do next - I am being hounded by Cabot financial for a debt they alledge i owe in respect of Next Retail - i received a demand letter from Ruthbridge back in April this year stating the same debt amount/ref numbers and the letter stated the debt was for a store card - something which i have never had. In September Cabot wrote to me saying that they had now 'bought' the debt and that i need to make immediate payments to avoid further action - now i am receiving phone calls and text messages every day I intend to send a harrassment by telephone letter but wondered what else i should do? Should I send a CCA request or as I don't actually know what the debt is for - is there a different request i need to make? Thank you in advance Maudy xx
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