Hi everyone, this is on behalf of my partner. Got "caught" by an inspector, but is unsure whether the Oyster reader (at the station, or the inspectors) is at fault; also, the inspector failed to issue the penalty notice, we think deliberately - he certainly took his time. Got a £50 demand .. appealed on line but was refused, got a standard reply and a futher £50 demand. Here are the details entered on line .. I have an Oyster card. On this occasion, I was under the impression I had touched in at XXXX. I either touched in at XXXX and it did not register, or I did not touch in (I have forgotten to do this before, so it is possible, but similarly, I have definitely touched in or out sometimes and the machine hasn't registered, in which case Oyster refund me for any overcharge). I was not actually issued with the penalty notice as the officer took too long to complete it, and he knew I was getting off at XXX (XXX to XXXX is a five minute journey). I attempted to hurry the process along, but he refused to look at documentation with my name and address and insisted on a lengthy telephone check. I got off at my stop and he was still writing the notice. I would have no possible motivation for evading the fare that day, as I tried to explain to the officer, who ignored everything I said. 1. My oystercard usage for the day was at £7.30, which means there was only another 40p to go before reaching the "cap" of £7.70. I definitely checked at the Oyster reader at xxxxx that I had sufficient balance for my journey, otherwise I would have topped up there. 2. I was on JURY SERVICE that whole fortnight, which means all my fares were reimbursed by the Juror's Office. Why would I deliberately avoid racking up a 40p charge, which would be paid for by the Crown? I am willing to pay a small charge but not £50.00. If you were to take it further, I can produce the printout of my Oystercard journey history (which shows me taking several journeys that day, to and from xxxxx, where the court is) and put the question to the court, is it logical I would deliberately avoid paying 40p which I was going to get back? .

Ok my daughter in-law tried to make a payment to her door stop loan agent(provident) she has missed her for a couple of weeks told her to try to give her something even if its only a couple of pound a week till they can get back on track. She only had £3 she could give her today(She had received a letter from provident say she could make a token payment of a pound per week just now) agent refused said it would have to be £5 or nothing this agent has also been holding on to the payment book and has refused to had it over unless she can get a guarantee of £5 min a week. Now as far as I'm aware she can't hold on to the payment book or refuse a payment.

hello guys I have recently had a very bad experience whilst trying to sell a car I would be grateful for some advice a few months ago an immediate family member wanted to sell her vehicle. vehicle was advertised on autotrader. To cut a long story short, the potential buyer, pushed me, grabbed the keys, and drove off in my vehicle. and the person who dropped him off drove off behind him. as usual, 3 months later, insurance company have come back stating the claim has been rejected on 2 grounds 1. I am not a named driver 2. theft by deception so now my family member, is 18k worse off, with a substantial amount of finance owing. So the main problem here is I was the one who was showing the car to the buyer, on instruction of my family member (the car owner) but I am not a named driver on the policy I moved the car from my front drive about 100metres away, so they could look at the car with no obstructions. However I was not driving the car at the time of theft. It was parked and locked. The thief then looks around the car, grabs the key, pushes me, and gets in the car and drives off. closely followed by his accomplice. the second problem is theft by deception. In my opinion this was a physical grab and drive off, rather than deception. The claim has been rejected. I have had several sleepless nights over this. The process has been ongoing, the story stated above was known from day one, yet it took 3 months for the insurance company to reject the claim. there departments are clueless as to what is going on, they asked for all the total loss documents, we sent them in, recorded delivery, it was signed for, yet they have lost it, including the spare key. We never got any official correspondence, regarding the claim rejection, we had to phone them up for them to tell us. we made a complaint through there complaints department to which they said there decision was final. I am unsure of where to go to next. I am totally confused and stressed, and some advice will be appreciated. They have pointed me the direction of the financial ombudsman, but is there any point if theres so many things stacked against me?

Hi there, I am having a bit of an issue with my employer, basically I was on the wrong tax code and so was mistakenly taxed an excess of about £1000. I spoke to HMRC and they informed me they had told the company that they had to refund me as a tax refund. Despite my tax amount accrued dropping on my next pay slip the company are refusing any knowledge of it and despite calling hmrc and sending a letter I haven't heard anything from the letter and they told me something about it potentially being too late. I have sinced been dismissed after raising grievances about this (within the 2 year requirement for unfair dismissal ). Is it the case that I will never get this tax back? I'm completely at a loss of what to do right now. Anon

Does this sound right, where do i stand. I saw a job advert going for 'self employed cleaners required, must drive and have own transport and have some experience' I meet all of the above criteria, was speaking to employer (or not as would be self employed), getting on fine, then was rejected just because i am a man. Sexist springs to mind Is their anything i can do or just accept it, i have it in writing that i was refused just because i am a man.

Hi all I have had a Barclaycard ppi claim refused after 2 attempts so have decided to issue a court claim via moneyclaim online. T he issue that I have is in regards to what interest rate I can charge for the claim. The ppi premiums were for 22 months back in 2003 and the card apr was 29.9%. Am I only able to charge 29.9% interest on the court claim for the period that the ppi premiums were deducted, i.e until the end of the 22 months or can I charge the 29.9% up until I issue the court claim. Or would it be 29.9% for the 22 months and the 8% from the start of the ppi premiums until the court issue. Many thanks for your help

This might sound bazaar but it is an unusual scenario - not sure if I am posting in the correct thread so admin please feel free to move at your discretion. I have approached the Co-operative bank recently for a loan to consolidate my credit cards to achieve a lower rate interest in order to be debt free within 3 years. However, my husband is in receipt of State Pension & Pension Credit and this is paid as a couple. Unfortunately, the bank have said that unless I can prove how much of those benefits are mine, they are unable to offer my loan due to lack of income In my own right, I am in receipt of Carer's Allowance but that isn't sufficient. My husband (due to ill health) is unable to apply for the loan and I have full Power of Attorney rights for his Financial & Health requirements. As it is my responsibility to ensure his income is spent in his best interests, naturally, to try to obtain a lesser rate of interest supports my loan application, if they consider the application on the basis of the whole information submitted. Somehow, I suspect they have just done a 'blanket decision' hence, their refusal. I have been in touch with the DWP and they will send out a detailed explanation but somehow, don't think that will convince them. I have provided a detailed income & expenditure breakdown and if they were to only consider my income, then I would most certainly be living well below the government guidelines of income added to which, I have used the same income information for other lines of credit so how can they refuse on this basis? My credit file is sparkling so there are no other concerns. Can anyone please advise how I could approach this please before I consider going to the Ombudsman?

Hi, I recently requested a CCA from HSBC for my credit card. They answered with "I regret the bank is unable to act upon your instructions for documents under Section 78 of the Consumer Credit Act 1974 for the following reason. .Missing signature " I thought i had read on a different thread that i did not need to sign it? Advice please

I currently work as a web editor employed in a department that is undergoing consultations pertaining to a potential restructuring that could take effect in a month's time. I've been in this role for four years. They've sold this restructuring as only a "proposal"; one that will be subject to our input as they try to refine a new system that everyone can "agree" to. So far the process hasn't resembled anything close to democracy (as one would expect) so when it inevitably goes ahead my job will be disestablished within about 6 months or so. There are three web related roles in the new structure but I have issues with them and consequently made the decision to ask for voluntary severance. One of the roles would place me on a lower pay grade. The other two roles are the same pay grade but lean towards more general administrative duties that would conflate my more technical present role with communications, marketing and strategy responsibilities that I really don't care for. I don't want my career to veer off in this direction and I don't have the skills or experience to complete some of the additional duties highlighted within the new job descriptions. My request for a voluntary severance offer was refused on the basis that this was "not in [their] interests". This makes me worry about what will happen next. My suspicion is that I will be judged to be "suitable" for one of the two aforementioned roles and thus be deemed not to be legally redundant. Ultimately of course this would allow them to escape the golden handshake should I still choose to walk away, as they will probably try to argue that my refusal to accept the new post would be "unreasonable". My question is am I likely to be able to escape this place with a pay-off under these circumstances or will I just have to resign? Section 141 of the Employment Rights Act is frighteningly vague about how "suitability" or "unreasonable refusal" are determined. Apologies if I've been too vague about anything, I'm trying to detail the issue without being overly specific. Thanks, Stylus.

I am a foster carer and when I began fostering over 3 years ago I took out a new home buildings and contents insurance policy with Nationwide. I specifically told the guy who sold it to me over the phone that I was a foster carer and needed suitable insurance to cover me for potential damage by foster children. He said this policy would be fine. I have been paying it for nearly 4 years and not made any claims but yesterday one of the young people that I foster caused considerable damage to my house during an outburst of temper, including a broken window and internal doors. I called the insurance company today and was told I was not covered because there is an general exclusion concerning damage caused by anyone living in the house. This means that I have been paying for nearly 4 years for a policy which was not what I asked for. Do I have any claim against the Nationwide for selling me a policy which did not meet my clearly stated needs?

Hi. I've been trying to claim PPI refund on a barclaycard I had in the early 90's. I SAR'd them and got a copy of the original application form. I put the reasons down as it was not sufficiently explained to me and that my employer at the time had a sick pay scheme so it was useless. They refused my claim on the grounds that they couldn't confirm the sick pay scheme (the company ceased trading some time ago so they wouldn't be able to) and that as it was an application form they say I must have taken it out in branch so the PPI would have been explained. I countered their arguement as at the time I was working 9-6 6 days a week and would not have been able to visit a branch, therefore it was clearly a postal application, and the explanation on the form was not good enough as I wouldn't have taken out the insurance if I knew it would be no use. I've received a point blank reply today saying they will not change their decision with no further explanation. Is it worth trying a recovery company? Or go straight to the Financial Ombudsman, is it worth even persuing? Thanks for any help

Hello I have been told I am not allowed to sign on to JSA, could anyone help me or clarify? I was let go at the end of December, I filled out the application online and got an appointment at my local office. I got there and we went through the application and she said I couldn't go any further as I live with my girlfriend's parents (and obviously my girlfriend) - she asked if we shared a bedroom or not too. Because my girlfriend works full time, I am apparently ineligible. We aren't married, been together about 12 months now. Not sure what to do, my money is drying up...

Ok so a few weeks back I came home to find my car clamped...... They wouldn't say who they were, just sat in their van being arrogant. So I came in the house and my OH says they are bailiffs..... Me panics thinking what the heck for? So I ring the council tax and they say yes I owe £324.... From 2007?!?! So go outside and they then tell me who they are however the debt is not mine, and that if I get some proof the car is mine they'll remove clamp.... So get v5 and they say this is not proof of ownership. Anyways an hour later they tell me it's my partners debt for a previous address, and they aren't leaving. I then call my grandad, who pays the bill to get the clamp off, as they said tow truck is on way to take my car!! That bill was £891!!!! Ouch! Oh £300 of that was charges!!! Forward 2 weeks, guess what comes through last weds.... Rossendales letter re: my £324 that I was go bs pay end of this month anyways, only now I can as I've had 2 visits worth of charges. When he made 1st visit I called him and said if you wait till 29th I'll pay it, bailiff said this is not good enough. He gave me 3 options, pay it now, let him in do possession thing and instalments (not million years!), or leave it and they'll seize goods. So forward to Friday just gone, got a 5 day notice. Firstly what does this mean? Secondly, what shall I do? I'm happy to pay council £25 a week, or in full at end of month. Will they come after my car again? P.s I never even open the door to these people.

I tried to get insurance from the cheapest quote on GoCompare.com, which was for £800 from "4 Young Drivers". I called them and quoted the reference number, to which the chap on the phone told me that the price on the website was just the "referral price" and that I would never get that price. Instead he said I would be paying around £1,600!!! (My last years insurance was £600!!) Having contacts in the travel industry, I know exactly how this works, and these insurance companies use compare websites to drive calls, then find any possible reason to come away from the advertised price so they can charge additional fee's on top. I tried to explain this on the phone but the guy hung up the phone. I have emailed a complaint to GoCompare, and also to "4 Young Drivers", but their mailbox bounces back. Should I take this up with the ASA? EDIT: I did get insurance with the next cheapest company without any issues at all. However it is more expensive.

My samsung reference number is ,,,,,,,, I bought my samsung tablet from argos in april 2013 and in january it developed in problem and i had to take it back to argos but they told me the only option i have is to call samsung which i did, i was told instructed to send it back with the self addressed envelope they sent to me few days later. I was told then that it would only take ten working days and if for any reason it could not be fixed they will replace it. However that was not the case because till this day which is over nine months samsung has refused to return my tablet. I have made several efforts by writing to them via email and also sent a registered letter but all to no avail, they only thing they have succeeded in doing is to continue claiming that they have tried to deliver my tablet through dpd. At some point i had to write them telling them that if they really could not deliver my tablet which was quite unlikely, that they can send it to any of their service centre in london and i will be happy to go and collect it as this has really inconvenienced me, but all this falls on deaf ear as they are not not even making any effort to contact me and find a way to send my tablet. i have come to the realization that samsung is a company that has little or no respect for their customers hence the unprofessional behaviour, and obviously has no integrity since i have the option to go to court and make a claim i want to know the best option available for me, is it making a claim through section 75 of the credit act or to take samsung to court directly because to be honest i would like to avoid getting other companies involved. As this is entirely samsung's mess and they should deal with it.

Hi, I have asked barclaycard to recover money i paid to a company which stated that i had a "no quibbles 60 day money back guarantee". I was unhappy with the installed item and asked the merchant for a refund, the company stated that their "no quibbles" money back guarantee doesn't work like that. To cut a long story short barclaycard attempted a chargeback which was declined by the merchant bank. The merhcant produced a set of terms and conditions which were not there terms on their website at the time of my order. I managed to retrieve the previous terms with the help of an archive website. I received a call from barclaycard today stating that as the invoice is not in my name then they cannot carry out a chargeback under section 75. they said that there is no way of verifying that benefited from the goods, even though i like at the address in question and the unit was installed there. What are my options as time is running out. The invoice was supposed to have my details on but when my brother in law gave my card details he did not think that my details would not appear on the invoice.

Hello All, My father's family visitor visa was refused on 01-Nov. Basically my father was in UK in May-27 and therefore his second visa starting from 01-Nov was refused because it is less than six months since his last departure from UK. I did not know about this rule. The visa officer further feels that he is trying to make UK a habitual abode. He is eligible to come to UK after 29-Nov as he will have completed six months out of UK. Now my concern is that the visa officer may refuse again thinking that my father is desperate to go to UK and therefore applied as soon as he became eligible and thus refuse again saying that he is trying to make UK is habitual abode. In this regard, I intend to mention the following as reason why he will return to India and not stay in UK. He is coming here to meet with my family ( myself, my wife and my one year old son ). Last time, he returned back within four months even though he had six months visa. Also even though I have lived in UK for a good six and half years now, he has applied only for second visit. Besides this, my father has wife ( my mother & married for over last forty years), a son, a daughter and two grand-children as a family in India. He has substantial fixed deposits in India, besides the monthly regular pension. My questions are: (1)Does the above form a strong reason to return back to India. (2)If the visa is refused again, will I be able to raise complaint and seek ombudsman help if needed. Thanks for your responses.

Not sure if someone else has come across this But I am facing 2 HMRC Issues which shows their non professionalism and inadequacy: Issue One (1): Last year my Spouse was on Maternity for 1 year which included paid, Statuary and Unpaid 3 months of Maternity pay. Since it affected our overall income I rang up HMRC and requested them if we are eligible for any Benefits due but they did calculation based on previous year and said we do not qualify for any benefits as we earned over £32000 for previous year and requested us to call them back later. However few months after my son was born and my wife's maternity finished I called them up again and asked for Child Benefit as our actual annual income for whole year fell below the estimated annual income but this time around guy working out said we do qualify and should've received tax credits HAD we called and Claimed benefits earlier. I disputed that I did call earlier but was given wrong information but he stuck to argument since I never claimed within given months I've now lost out on it. Issue Two (2): I received a letter from HMRC that I currently owe them approximately £500 in tax from year 2013-2014. Problem is that last year when I changed my employment I was charged at Basic Rate so I called up HMRC and told them about my change of job and salary etc and they said they would automatically send new Tax Code into new Employer's System which they did. Now If they are the one who put tax code into system and were aware of all my change in employment details they are responsible for not charging me correctly. Saying that do they have a right to charge me back dated tax for a mistake they made? I've recently read in local newspapers that they have done that with many others this year as they had issue with their computer systems. Can this case be argued and is there a way that outstanding tax be waived off if I put a challenge up with HMRC? Any help will be highly appreciated

Evening all, A lady has explained to me that her estranged husband had broadband from AOL in his name, but hasn't bothered to pay the bill... AOL have now cut off the broadband, she lives in a rural area and has asked BT for broadband but they have refused, is it possible that there is some kind of adverse marker on the line?? many thanks in advance

Please Help. I sold my soul to the devil 4 yrs ago when I purchased a Tumble Dryer from Perfect Home!! Believe me I was under no illusion as to their sky high interest rates ect but I had no other alternative as couldn't afford to buy one outright. Since then I have had 5 agreements with them (2 have been paid 3 ongoing). My problem is this: A month before Xmas my cooker broke so having no alternative I once again turned to Perfect Home. All was ok until I missed a payment last week! My weekly repayments are £42 so I now owe £104! This being 2 wks payments Plus £5 late fees ( I have not been informed that the late fees had gone up!!) I cannot afford to pay this all at once so offered to pay £60 today and get my account up to date next week. The man I spoke to said they couldn't do that as they had a new manager and a change of policy??! I spoke to said manager who said they could only take payment in full! Can they do this? He has threatened me with taking my goods so I told him to take me to court and he put the phone down! If anyone can help/advise i would be very grateful

I started renting the property in 2008, AST tenancy UK. During that time my landlord issued 3 section 21's (every time I complained or asked for work to be done!) then changed his mind when I was given an eviction order. Rent was paid in full. Deposit was never protected, when I challenged this in court he refunded my deposit and re issued s21 I received an eviction notice and an eviction date for March, however, in February my landlord emailed me and stated that I could remain in the property (he had done this before). I found out on the day of the eviction that he had not cancelled the bailiff eviction and had to go to court with the emails I had received from him to try and stop it. Unfortunately he did not attend court and was not replying to anybody and there was nothing the judge could do to sop it because he was not there and I was evicted. He used a property management team and they were there when I was evicted. They could not contact my landlord and said that I would have to come back later in the week and remove my property, however, when I tried there was always some excuse as to why this guy could not make it (he was on holiday or had other work on).This went on for around 4 weeks with me constantly txting to arrange to collect my things. (txt's have been kept) Eventually he said that I was not allowed back in the property so his company could pack my stuff up and deliver it for £600. I asked if I could get my own people to do it but he said that I would still have to pay him to be there (a full days wages, which I think was £300, so I might as well use his company.) I agreed to this until I got a phone call from a former neighbour saying that people had been in my property and there were a number of bin bags outside in and around the bin and that passers by were going through them and she realised it was my belongings and not rubbish. Among the items she managed to save were my sons toys, medals, some of my jewellery and clothing. When I confronted the property management guy (I will call him Mr Z) he became very abusive and sent me txt's asking if he should just get rid of my belongings then. I called Shelter who advised that he had to give me access to my belongings and he could not charge for this, also that I could take my landlord to court for not protecting my deposit and to use this if he became difficult. After advising him of this he arranged for somebody to pack and collect my belongings (I personally think he over charged me but I just wanted my stuff back as it was now June). My things were delivered and put into storage. I have just returned from holiday and because I work away a lot I have just got the rest of my things out of storage only to find a number of things broken and missing. The broken things I am not that bothered about, at least they can be accounted for. Some semi valuable jewellery is missing but what has really angered me most is that my child's items are missing. Some sentimental items and some valuable and expensive items. My question is, can I do anything about this and will it cost me a fortune to take my landlord to court? I know that it is my word against Mr Z and his employees as to what was in the house but he would not give me access to my belongings which would have prevented this and he disposed of my belongings which he knew he was not allowed to do. Any advice would be much appreciated.

Hi a Tomlin order agreed and signed by claiments solicitor and selves failed to be sealed by the courts and returned to claiments solicitor.They failed to rectify and return it as requested by the court for sealaing and remains as such.Monies were paid by us and our part of the agreement was kept to time scale stated,but claiment delayed on their part..No funds or nerves to carry on with dispute. Part of agreement from claiment is still outstanding. Solicitor handling this stated at that time if any part of agreement failed we would be entittled to our payment back. This was a civil case involving property and uplift. Is this still a legal document or can this case be resumed at any time by either party.

I am a 53 year old woman.live alone, working 20 hours a week on minimum wage. get a small amount of tax credits ..Pay full council tax and only get £19 of my rent........after i then pay all my other bills and monthly bus fares I know i was definatly better off on benefits... However i need to work for my sanity Back to the original question I suffer with Restless leg syndrome and take Topamax and Zopiclone... Do i qualify for a perscription excemption certificate and if so how do i apply.. At the end of the month i have barely enough to eat let alone get my percription,but without them i would be in trouble!! And i wear glasses and have a nhs dentist that i am happy with both of which i would be unable to affored were i not helped in some way... Thankyou for advise.

Hi everybody, After your expertise and great advice again please. Story so far..... Sent SAR to MBNA, successfully reclaimed PPI, all done and dusted within 2 weeks of receiving SAR. The charges, not so easy. Here is what I sent to MBNA in April COMPLAINT Dear Sir or Madam, Following media reports and an investigation into credit card charges by the Office of Fair Trading, which I have recently been made aware of, I now understand that the regime of fees which you have applied to this account in relation to late fees, and over limit charges, are unlawful at Common Law, Statute and Consumer regulations in that they did not represent a genuine pre-estimate of your actual costs. It is my contention that you have failed to operate my account in a manner conducive to the above and have demonstrated a lack of fiduciary duty. Additionally, these unlawful charges have contributed to undue stress, unnecessary distress and years of harassment from both MBNA and the debt collection agency appointed by MBNA, namely LINK Financial. I calculate that you have taken £xxx.00 plus £x,xxx.00 which you have charged me in interest which total £x,xxx.00. In recent years, Courts have been happy to accept claims for bank charges that exceed 6 years, whilst having regards to the precedent set between KLEINWORT BENSON -v- LINCOLN CITY COUNCIL under section 32 © of the Limitation Act 1980. Should County Court action be needed to recover these charges, I will be seeking to rely on this. Therefore this letter requests a refund of all charges indicated including interest within 14 days from the date of this letter. I request that payment is made directly to me by cheque and that any refund in whole or part should not be allocated to any set off or third parties. Should this occur, my claim will be deemed as unsettled and I will proceed to the Courts for recovery. You now have 14 days to respond positively and in the absence of this I will put you on notice with a further 14 days letter before action I trust this clarifies my position. Yours Faithfully I had an acknowledgement and then a 'we will respond by' letter, and yesterday I received this. Dear Up2 We refer to your recent correspondence concerning default fees on your account. I would like to clarify the situation from our perspective. We have always set out precisely what our charges are in our agreement with you, as they are an integral part of the t&cs under which we are prepared to provide credit facilities. In the case of all the charges we apply for breaching our credit agreements (including overlimit usage of the card, making a late payment, or writing a cheque or authorising a direct debit which is returned unpaid), we look at the portfolio as a whole and set uniform charges reflecting our costs of dealing with such defaults overall, as do all other major credit card providers. This approach allows us to be clear and upfront about all default charges and the basis on which they are applied. You may know that the OFT issued guidelines in April 2006 in relation to the level of credit card default charges across the industry. MBNA disagreed with the OFTs interpretation of the law and continues to maintain that it's default charges have always been fair, legal and transparent. However, we decided to reduce our default charges to £12 with effect from 28th June 2006 for late and returned payments, and 28 July for overlimit fees. We do wish to resolve this matter, however, our records indicate that you have not been charged any default fees over the past six years. Therefore I am unable to offer any goodwill credit on this occasion. I trust this response is acceptable. We have now exhausted our complaint process; therefore I must advise that this is our final response on the matter. If the response is felt to be unsatisfactory, the complaint may be referred to the FOS, within six months of the date of this final response. Sarah Harrowsmith Vice President. So, What would be my next course of action please? I am prepared to go to court, but do not know the best way to proceed. (I got my POC for BC from other threads, but can not find anything suitable for MBNA) As always, all advice and thoughts gratefully received. Many thanks Up2

DHL attempted to deliver a package to me on 10 December 2013. I have refused this package because of late delivery. It will be of no longer use to me after 8 December (I have made it clear to the seller that I needed this item to arrive before 8 December however, he shipped it late). I knew the problem was from the seller and not DHL. I have opened a dispute for this Transaction with my bank and it has been successful and my monies returned after Aliexpress were very slow in settling the case. I have been sent a text message from DHL telling me the invoice amount i need to pay for VAT and Duty. I phoned them and told them I don't need the item and no point of paying. After 2 months I receive an invoice from DHL (£10.93) to my home address asking that I pay the amount due. I ignored it because I didn't have the item and I didn't want to accept it. Today I received a letter from control accounts with an extra charge of £10 asking me to pay the debt I have. DHL informed me couple of months ago by email that the seller doesn't want the item back and that they can abandon the goods. They emailed me this infromation after I told them I didn't need the package and that they send it back to the sender. Ofcourse the sender wasn't interested of paying the return fees because he wanted me to accept the package and then return it at my cost. But I have refused. I don't know what action to take now? Should I pay the VAT & Duty invoice even though I don't need the package to be delivered to me? Will it ruin my credit file if I don't pay?