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  1. Hello Thank you in advance for any advice on my situation. Between 2009 and 2013 I was registered as self employed, in the earlier couple of years i was going through a stressful personal break up was having problems with work because of depression, also spending my money to go to court of access to my daughter. At the time I was couch surfing and frankly forgot all about tax returns. The HMRC fined me in total £4,524 over this period which I can't afford to pay. I find these charges extortionate, is this even legal for a start? All i did was not send in a piece of paper and now i am in this huge amount of debt? The last thing on my mind at that time of my life was filing a tax return especially when i had literally done no work or earned anything at the time - I certainly couldnt afford an accountant. Since then i started a limited company in 2012 which is still operating now and all tax returns are up to date for myself and my company, done via an accountant. All the old self employment returns have also been done and the self employment terminated as i am employed on PAYE by my own company. The HMRC have passed the debt to CCS collect. I wrote to the HMRC to try and appeal these extortionate charges based on what I have said above, but rather than responding to my appeal they just ignored it and wrote back to me with the figure I requested in the same letter. CCS already seem unreasonable in their initial letters, stating they want an "acceptable payment offer" - in my opinion acceptable is what I can afford, if this is £1 every week then that's what they should get. Am i correct in thinking that I should respond to CCS in writing rather than on the phone so i have written records of everything? And is it also right that they have to accept what I offer them on a monthly basis? I am thinking of £50 per month, which having a family of five to support is more than reasonable. I am writing back to HMRC today to request they actually respond to my letter properly rather than being totally ignorant. Finally, how on earth can a company, the HMRC, just make up these charges? They are just a company after all aren't they, and it's a ridiculous amount just because they didn't receive a piece of paper! Thanks
  2. I got a letter from CCS Collect stating that I owed £86 to Vodafone. I have not borrowed money from Vodafone. I am on a pay as you go phone, not a contract. I called their company and they said the debt was from a contract, so it cannot be mine. I am an 18 year old girl living with my parents. I have never borrowed money from anywhere. Where do I go from here?
  3. I owed hmrc £400 income tax (self employed) and was late paying it Paid £200 last week and the rest today. Today I also got a text message from ccs asking me to call them and quote a reference number. A friend of mine had a similar text and ended up paying ccs their tax plus ccs charges for collecting the tax! As I've now paid hmrc directly, can ccs still chase me for their charges? I have not replied to their text message What is the best way to deal with ccs
  4. Hi all, i have recently started receiving letters through the post from a company called CCS Collect claiming that I owe money to them on behalf of The Department of Work and Pension for £97.50. Thing is, I have no idea what this is for. The letters gives no explanation, they only abruptly demand that i pay it or face legal action. Quick search shows that the department of Work and Pension is government related. I pay all my taxes, National Insurance etc through PAYE and have no other dealings with the HMRC. The only thing i can think of is that i was on Job Seekers Allowance when i first came out of university 8 years ago and when i found work the gov. continued paying me it for a short while. i phoned them about it (telling them to stop!) and they advised me that the over payment would just be deducted from next time i stop work and start claiming again - which i never have. But i can't even remember if the over payment equates to the same amount. Questions: 1. should i contact CCS Collect at all? the most recent letter has given a settlement due date and has said i will otherwise be taken to court (and face additional legal fees). however if i contact them am i acknowledging receipt? 2. Is there anyway i can find out what this debt is without contacting them? 3. Is a debt 8 years old (if it is related to the Job Seekers Allowance) even enforceable? 4. Does anyone know if i have any legal grounds on which i can avoid paying? I'm an honest, law abiding citizen so i am very begrudged to hand over money to these cowboys. Any thoughts and comments appreciated.
  5. Morning Everyone, This Forum has helped me on a previous a Previous occasion and i was hoping for further advice on a new problem. Ive been contacted via mobile text from a company called CCS. Upon searching , I Discovered that they are a debt collection agency for the DWP. I Called The DWP debt dept this morning and asked them if I owed them funds. I was informed that I had indeed taken out a social fund loan of £250 out in 2008. I had just left a spell in rehab and had forgotten all about it. I did'nt claim benefit until July 2013 Until Nov 2013, J.S.A, so no repayments toward the social fund loan were taken until then. I have gone through my letters this morning, and found that i had being paying the DWP back at £2.96 per week for this JSA period. No payments have been made since Nov 2013 , the last time i received Benefit. I am not on benefits and not in paid work, living at home with my partner, Which i informed the DWP of this morning.The DWP debt department have been sending their letters to my old address for the last 2 years.I have given them my current Address tHis morning.Although i have received other documentation i.e pension statements from them at my current address, The Lady at the DWP informed me that the debt has been passed to CCS, and they cannot deal with me directly. I informed the DWP that i will not be dealing or responding to the CCS debt collection agency in any way shape or form , and i will throw away any letters that i recieve from them. I will only deal directly with the DWP. The DWP Lady said she will e mail CCS with the conversation we have had telling them that i will ignore all their letters. Can anyone advise my of my next step , im willing to pay the approx £200 back at £5 per month either by direct debit or cheque/payment card. Sorry for going on and on. Hope to get some advice to ease my nerves. thanks. xx:|
  6. Hi i had a letter in the past from CCS Collect saying that i owe £250 from the dwp back from in 2009 when i had a budgeting loan from the jobcente r and that if i dont pay or arrange to pay by installments then they will take legal action against me,CCJ etc and have to pay court costs etc. They also said if no contact is made then they are getting the papers to file a case against me. I am not working and my partner is working part time and we only paid them once as we got scared they will take our stuff or take us to court. Should i contact them and pay them? will they take me to court? i dont want to be [problem]med IF they are a bunch of con artists as i am just starting out in life with my first property will high bills to pay. Please help as i dont know what i am doing or dealing with here.
  7. Hi, My husband has had a letter from ccs regarding a debt of £397. When my husband called them they told him it is a crisis loan from 1999. He has spoken to dwp and they said he has to go through the ddbt company to pay it. Is it enforcable as it is a loan through dwp, even though its from 1999? Dwp has said that regardless of whether it is over 6 years they csn still chase it. My husband and i have been together 14 years and this is the first weve heard of it. He cant remember that far back, but i know hes only been on benefits for about a month in the whole entire time we've been together. Any help will be much appreciated. Thanks
  8. Hi, just hoping for a little guidance on how to deal with this company.. i moved into my flat over a year ago and changed over all suppliers. I then started getting odd letters saying there was an error on national records and i needed to confirm my name and also the name of the previous tennant. This sounded dodgy to me so i ignored these letters, 2 in total. I then received a letter from CCs saying their client British Gas had instructed them to revover debt of £930 from this address and if i am not the person who was living at the property on the dates specified, i should have answered their letter.. I feel like i should carry on ignoring these letters as I do not want to give them any of my personal details, is this the right thing to do? Thanks for any help!
  9. Just before christmas i received a letter from a company called CCS regarding an alleged debt to the DWP and that i should contact them immediately. This i ignored. I have not been out of work in the last 15 years, have only moved house once and have never claimed a penny in benefits in this time a nd have certainly NEVER had any correspondence from the DWP regarding anything at all. Surely if any money was owed to them for anything the DWP would have informed me ? after all i have not changed my name, national ins no or employer so if they wanted to find me they could easily These letters continued with increased levels of threat, including added costs, court action and doorstep visits none of which happened so am i right in presuming this is either some farcsical attempt at intimidating me into paying something or a possible debt from so far back i honestly have absolutely no idea what it relates to ? ( i honestly cant remember the last time i claimed anything !! ) Now CCS have stopped and i have today ( 19/05/15) received a letter from a company calling themselves CSL ( credit solutions limited ) telling me i have 10 days to respond or a doorstep collector is calling !! more threats ?? I have not responded to any of the letters as NO proof or evidence of any such debt was supplied just a total out of the blue demand and i am not in the habit of contacting people to discuss financial matters on the strength of such demands, and i certainly wouldnt ring them Any advice would be appreciated Many thanks
  10. in the past month or so i have had 3 letters from ccs collect regarding a debt to dwp from 1993, I am still in dispute regarding thi s matter yet from time to time a debt collector seems to jump on the band wagon and try to claim this debt, on the dwp behalf, so far ihave ignored these letters, as far as iam concerned I will carry on in this way as there is no law in the land says ihave to reply to this firm , am i doing the right thing in ignoring them , any help would be gratefully accepted.
  11. I had a letter from the DWP back in July stating that I owed them £403 from a social loan that I had been paying from JSA. I am no longer on JSA and wrote back to them making a sensible offer of repayment at a rate I could afford. They ignored this and the letters and calls from CCS Collect started. I wrote back to the DWP with a copy of my letter from July and asking why I have not received a response as I wanted to set up a payment plan. I have just received a response this morning stating that they have passed the file to CCS and I must deal with them directly. From all the advice I have found on here, I understand that making payments to a DCA such as CCS is a bad idea. Can I insist the DWP deal with me on this and let me set up a repayment plan with them?
  12. I am being chased by Capquest for a debt of £550 which came about due to bank charges with Natwest from 2006. Back then I had no income and was unable to pay the bank charges. Natwest closed my account in 2007 and I never heard any more about it until December 2011 when a demand letter arrived from Capquest. I ignored the letter because I had never borrowed any money from Natwest and therefore considered that I owed them nothing. Many more letters arrived threatening me with all sorts of terrible things but nothing happened. In Feb 2013 after 15 threatening letters from Capquest I obtained my credit reference agency credit report which showed the alledged debt and Capquest were the owners of the debt. I noticed there was a default date recorded of 23 May 2007. Therefore the alledged debt would become statute barred on May 23 2013. Sure enough at the end of May 2013 this default was removed from my credit report as I expected. Despite this, Capquest continued to send letters but offered a large reduction for prompt payment. I ignored them so they recently passed the debt onto CCS Collect who have sent me more demand letters. In their latest letter thay say if they don't hear from me they will pass the debt back to Capquest for further enforcement. Seems to me that these DCA's are barmy. I wonder why Natwest didn't take me to court back in 2006 and also why Capquest didn't take me to court before the statute barred date. Maybe because the alledged debt purely consisted of bank charges there would have been little chance of them obtaining a CCJ against me. I have recently considered sending the statute barred letter to the DCA to stop them bothering me. However, I find it quite amusing how they are happy to keep wasting money on paper, envelopes and postage charges chasing statute barred debt. By ignoring all their letters they must surely realise that they can't frighten me into paying, so why do they continue? I know they are legally entitled to chase statute barred debt but surely by now they would have realised they had bought a lemon. Well they say you can't educate pork.
  13. Hi All, This is my first post. I received this letter this morning. I have no idea what the hell it's about. They haven't said anything about what it is? It seems very ambiguous. The first two letters from them were trying to ascertain whether I lived at that address or not. Do I need to send them a letter asking for further details of this supposed debt? I would appreciate a nod in the right direction. Regards,
  14. HI, This is just a general question about CCA's. I've noticed that CCA's only really apply to loans etc... (which makes sense), but how come, say in the example of a mobile or utility debt which is sold on to some random third party there's no CCA involved? My reasoning for wondering this is because: 1) The debt no longer lies with the mobile, phone, utility company 2) You now have a debt, a totally new one which wasn't agreed Surely that debt is 'credit' and is governed?
  15. Early last year I received a letter from Ruthbridge on the 16th and they said roughly, they were trying to contact the named person on a personal matter, if I am the person named I should contact them immediately. If they didn't receive a response within 7 days they would have an agent telephone me. On the 24th I received another letter from them saying: We note you have failed to respond to mail directed to you. YOU HAVE BEEN TRACED AS LIVING AT THE ABOVE ADDRESS CONTACT US IMMEDIATELY. If you have not established contact with this department within the next five days an agent may telephone you. I ignored the letters and I have not heard from them since! However this year I have recently been contacted by CCS and they say more or less the same thing, but I haven't received a second letter yet, but I know I probably will! Although I have some debts that I walked away from in the mid nineties, I thought by now they would be statute barred? Should I continue to ignore their letters and see what happens? Any help would be appreciated. Thank you.
  16. Hi Need some advice guidance as im at a loose end at the moment. This is in releation to my now wife, who in 2002 claimed for housing benefit she wasnt entitled too, as a result she went to court in 2004, who found her guilty and she got community service. She moved back to her mums address in 2003 (so prior to court so all documents went to this address), she served her community service however there was no mention of paying the money back to DWP. Fast forward to april this year, where we bought a house in 2011, we recieved a letter from DWP stating that you owed £3500, she phoned them up asking what the debt related too, then ended the call. We sent a letter stating statuary barred as the debt is long past the 6 years. We have now just recieved a letter from a DCA (CCS Collect) asking to make payment within 7 days of the letter. We were under the impression that the debt could only be repaid from benefits etc and they couldnt pass the debt onto a collection agency due to it being over 6 years old? Can anyone help?
  17. Hello My husband has received a letter from the above DCA, which reads as follows: Dear xxxx Your unpaid account has been sent to us by our client Department for Work and Pensions who has instructed us to recover the full amount stated abouve on their behalf. We have confirmed your current address in case you have forgotten to inform our client that you have moved. Our investigations show that you are currently residing at the above address. Although the balace of (£3k+ !!! ) is due in full, we would like to work with you to find a sustainable repayment plan that will suit your situation and which is agreeable to our client. There are several repayment options available to you. Repay the balance over the next 3 months OR set up a repayment plan over a longer period by Direct Debit OR Pay an initial amount of 25% and the remainder monthly. Our trained staff will be able to help you identify the right plan and may even be able to offer a discount for early settlement. If you agree a repayment plan with us now :- You may avoid further lettes and telephone calls It may aid future Credit Applications. Prepayment methods are detailed overleaf or alternatively call us now on 0844 412 0344 Yours sincerely Sam Selby Collections Department ----------------------------------------------------------------------------------------- Now, first of all, my husband has been working since he left school 30 years ago, he was only unemployed for a few months back in 1991 before we were married and claimed UB at the time, he told me there was once a problem where someone had been stealing his giro cheques but that was settled. #It was OVER 20 YEARS AGO!!!! I am on DLA because I am disabled. As far as I know this is not means tested (unless the rules have changed, in which case they would be chasing me not him). I've done a bit of googling and it seems that CCS are a bunch of cowboys. Our phone is in my name and ex directory. But nevertheless this sort of thing is very worrying, he is thinking someone may have set up a bogus claim in his name. We are not sure what to do. I've advised him NOT to phone CCS
  18. Hi All, HMRC paid me some Tax Credit a few years ago - They said they had paid me £700 too much and they now want it back. They have passed the matter to CCS Collect DCA. I have been receiving letters for a while, from the above DCA They also have phoned me a few times. I have not entered into any conversation with them on the phone. I have paid them £50 one month and a further £50 the next month. And I intended to pay them another £50 this month But, apparently that is not enough as they have written to me to say they will recommend "further recovery action" to our client HMRC . This "could result in legal proceedings, and include costs, accruing interest and late payment fees". They say PHONE them, don't write. Has anyone any constructive advice ? TIA
  19. Firstly I live in N.Ireland I know laws can be different here at times. The other half recieved a phonecall from ccs collect the other day ( she had learnt from me never to answer security questions ) The guy was rude but she insisted she wouldnt give details to a total stranger . Today a letter arrived usual Dca threats . Court seizure of earnings seizure of goods. letter is about a dhss loan in the region of 13 years old and quoted the Social security act 1992 N.I ???????? Anyone know what this act refers to? Its my understanding that Dhss cannot pursue loans through the court system and it can only be taken from benefits , is this correct? If so should I report the DCA for making threats? We are not unduly worried as the amount isnt a lot however I do love a fight with a Dca and it has been a while since I wiped the floor with one. Any input would be appreciated. Thanks in advance
  20. Hi, my credit file is showing a loan with nat west as settled in 2009. However, I am being sent threatening letters by CCS who claim to have bought the loan. I thought that if the loan was showing 'settled' then that was it and it couldn't be sold on. I have moved house since and afraid I don't have any paperwork from Nat West to prove it, just what it says on my credit files. Any advise would be appreciated. Thanks
  21. Hi I recently received a letter through the post asking me to verify my identity for a debt which is undisclosed. There is no reference to an amount or to who the debt is owed so I have nothing to go on to establish if its authentic or not. Should I respond to them at all to tell them I am, in fact the person they want to talk to or should I just ignore the letter at this stage until a formal notice explaining the debt is sent to me. Thanks in advance
  22. Hello All, Needed advice on the following for which I shall remain grateful as ever. For my studies I took some loan and put the remaining on my credit card (at that time I was not eligible for student loan). Since then I have paid a few, satisfied few, one CCJ issued against me and one no correspondence for last one year or so. There are some that I am paying as £1 per month, 3 of them including the CCJ one. Today I received a letter from CCS on my new address trying to fish for details starting as ''we are trying to contact the above named person regarding a personal matter.'' Contact if this person doesn't live here on...............call if you are the person......'' Now I am not sure which account is this for? Do I need to worry about this? Also I shall be grateful if some one could advise as to what is the best course of action to take with other debts that I am paying £1 per months or so. What is the most cost effective way to get rid of them? My understanding is these payments aren't the best options as they would never go away from my file after 6 years and even if they did the creditor could initiate the whole process again. Obviously, I have been naive about this, all of this started in 2007, 2008. If I would have managed these better then situation would have been different for the better. I shall be grateful for the advice as to what would be the best course of action for me now given my circumstances. My financial circumstances have not changed for better in fact I have now 2 babies and a mum to look after. Thanks, Dev P.S: Should I post this query here or under debt management thread? As both are intertwined?
  23. Hi, Thank you for accepting me to the forum...I've been a reader but not a member but I now got to a stage where I felt I best register to gain other views... I've lived with my boyfriend in the same town since 2004 lived in our most recent place for the past six years prior to this 2 other places. Few weeks ago he has received a letter from CCS collect saying we need to contact you about a personal matter please contact us. I've looked them up straight away knew they were a DCA and as we have built up a good credit rating and nothing on the file chose to ignore it. Got the same letter few weeks later decided to return to sender this time. 2 weeks after now with a stronger letter advising that he owes Cabot (another DCA over £12k!) Needless to say we know nothing about any debt never been contacted before so this came as somewhat of a shock. Oh and the best demanding a payment within 7 days! Sating without contact they will get their local agent to contact us. (As far as I know no one turned up we both work... ) Done my reading again...Number of forums, websites still chose to ignore them as the debt can't possibly be his and even if it is it would relate to 2001-2002 from when he lived with his previous girlfriend so therefore from learning from my reading must be statue barred?!? Since living together from 2004 we both had loans credit cars all settled and good credit score. No searches on the experian either.Now another letter. Not going to type in the whole thing this written along the lines of " Despite numerous attempts bla bla failure to contact by x date (happen to be like a day) leaves us no alternative but to recommend further recovery action to our clients. This could potentially result in legal proceedings for the full amount + cost and interest. Then about 4 times please contact us etc... then at the end NO further warnings will be sent (yay) So my question is do I ignore is this just an empty threat trying to catch him out or do the letter from the Debt helpline as in the one where you dispute it's you? Any experience anyone? Can they do anything? Back in 2009 we have had a letter from a different DCA trying to collect on behalf of Cabot over £3k we rang them back then and once confirming the Date of Birth and address they went sorry wrong person... so this has niggle in the back of my mind what if they got it wrong too? From what I read about Cabot here they are not the most trustworthy either? So back to my question ignore or go into the fight of who/what/when etc? Thanks in advance...
  24. Hi All, I had a Next Directory card which I had been paying with no problems until we faced very hard times and the account went into arrears (this was early 09). The debt was sold to CapQuest and I received two letters from CCS Collect chasing on behalf of CapQuest. I can't really afford to make payments to anyone at the mo as we barely get by as it is. What should I do, please help me? They are threatening to take legal action and I really don't want a CCJ as in two years time, most debts will be statute barred and we would have paid off our mortgage arrears as well, hopefully. Any help will be most gratefully received.
  25. hi received a letter from ccs collect this morning. .saying a sum of 2886.59 is due to cabot.. as they are pleased to inform me i can settle for 1400 ...i have no idea what it is for. .but i think about 8 years ago it was for a loan..i really cant remembe r...there is no details on letter just reference no.. .i am assuming its for this when i lived somewhere else and personal matters escalated and moved.. .this i believe is first ive had anything about this ..and cant recall having any dealings with cabot.. ..any suggestions thanks..
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