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  1. Hi everyone. I could really use some help with this nightmare. I opened a GymEtc membership about 4 months ago. Somehow during the process the membership application got duplicated and i ended up being double charged for 2 accounts. I stopped the duplicate account direct debit, then get an aggressive letter from Harlands. I called them, explained the situation and they said they would close the duplicate account and refund the 2 payments. 4 weeks went by and I got no refund. When I contacted them again they said it had been initially rejected by GymEtc, then processed but st
  2. Hi, Whilst filling out a tax return I checked the information HMRC held regards PAYE from what is now a former employer. The information shows the dates, taxable income, income tax paid and National Insurance paid, all totalled up. The amounts I noticed didn't add up to the totals at the bottom of the page. It seems one month a payslip was issued, then a revised version issued. The totals on the revised version were correct but the following months payslip uses the totals from the original payslip. I contacted HMRC and they said yes it doesn't add up but we can't say w
  3. Hi. I had a problem with a PCN from Indigo a few years ago and received excellent advice from here to "sit tight". Was successful. Thanks. However, we now have another similar case and someone told me that recent case law has changed things, so I wanted to check that sitting tight is still the right course of action. My wife parked at a Southern Railway station car park recently and used the automated phone response service to pay for a day's parking. Unfortunately, the regstration number used on the automated system was incorrect - one letter was accidently missed off. There was no win
  4. Hi, I've got a problem with the delivery for an eBay item I purchased from Japan, and hope someone can provide some helpful advice. I received a letter from Parcelforce saying the package was subject to Import VAT of £14.08 plus a Clearance Fee of £13.50. My problem is that these charges are wrong, not incorrect, but wrong. The sender uses a tracked mailing service, and the address label on their packages ( I have bought similar items from them before) shows the value of the contents. My guess is that someone has misread the value, which is typed not handwritten, hence
  5. Hi everyone, My son works for a sole trader and yesterday informed my son that due to a PAYE error (which he admits was his mistake) my son had underpaid tax for the past three months and an amendment would be made to this months wages. This morning he checked his pay with the bank and found that his employer had deducted almost £1,000 as the unpaid tax (incidently, he only pays about £1200 for the whole year. He is now left with insufficient funds to pay his rent and other essential bills. His boss freely admits that the error is fully his error. The HMRC haven't noti
  6. Sorry for going in to so much detail but I think it is relevant. I tried several times without success to book myself on a speed awareness course. A message stated that as my course was to be taken very soon I needed to ring them. I tried to ring them several times but as I work during the day and the waiting time was so long I had to give up. I did finally get through to them only to be told that yes I was too late to go on a course. I was told to ring Go Safe, who have the responsibility for issuing NIPs and offering Speed Awareness Courses. I finally got through to Go safe an
  7. We moved a while ago, about 10 days ago my wife Mrs x finally got in to a branch of Halifax to change address, job done. Mrs x then applied for 2 credit cards (1 from Halifax and 1 from BOS) and an overdraft for her current account, all were accepted, she was delighted. 1 of the credit cards arrived today and it says Mr x on it, her correct female first name but have put Mr and not Mrs. I thought this was odd so checker her online banking and her current account now also says Mr x She went in to change address, which they done, but also changed her from a Mrs to a Mr
  8. Hi, My relative attempted to book a train ticket from destination A to destination B in the EU. Instead she bought it in reverse from destination B to A, the prices are the same either way. Immediately after purchase she contacted the website to adjust the error. She was told she made a mistake and that the tickets are non-refundable entirely blaming her for the error. However, I am not sure the error on the ticket was entirely her fault. 1) She has a disability and found the website was confusing and difficult to use. There were web accessibility problems. Web accessib
  9. I arrived home earlier this week to find a Marston agent sitting in his car across my gate. He had a warrant and was collecting £393 for an old speeding fine that I knew I had finished paying off, and told him so. Usual intimidation, he was only acting on the info he had. I should pay the fine now and then appeal it. He'd already filled out the form for the next stage which would mean another £600. He said he had a team "following him around" to seize goods, which they would do the same evening. So I coughed up the £393. Then I emailed the Court who had issued the fine a
  10. Yesterday booked a vehicle over the phone paid by credit card. Discovered today that I am unable to take the vehicle where I want to so need to cancel. They have said as there is less than a month to when the hire was due to start minimum charge is 7 days, as I booked for only 4 days will lose all my money. I did not see the terms and conditions and was only told my cancellation rights when I tried to cancel. Bearing in mind it is 15 hours since I made the booking, do I have any rights? Thanks
  11. Hi Guys..My first post and i need some advice please... I've attained judgement, elevated to High Court and entered agreement with The Sheriffs. The HCEO called at the LTD companies address to collect payment, although i instructed them to go to the actual place where the work was/is carried out and where i have viewed lots of assets. They then called at the "asset address" some two weeks late, giving the defendant plenty of time to move/relocate/hide/change ownership of the assets. Not much of a surprise that there were no assets at the second address.... Where sh
  12. https://www.gov.uk/government/publications/penalties-for-social-security-fraud-and-error/penalties-policy-in-respect-of-social-security-fraud-and-error#introduction Dated 14/07/2017
  13. Hello, I've been over the HMRC guidance and related sites lots of times but still unsure. Apparently nowadays you can show 'exceptional and relevant' reasons for late Appeals (Mandatory Reconsiderations) - examples given are being in hospital or out of the country. The longer it goes on, the better the reason needs to be. What about when the person was around but they have chronic language/cultural barriers that led to a delay, combined with the fact that the HMRC Compliance Office phone was and is apparently set to permanently engaged (not sure if the notorious Concentrix).
  14. Having been a loyal customer over a number of years every time I wanted to hire a car on holiday. When we were needing car hire from Stuttgart Airport to take us down to the Black forest I contacted Rental Cars. Com for a quote. They quoted a price I found acceptable and booked our hire car, this I found was through a supplier called Europcar. When we arrived at their airport rental desk the lady spoke poor English and after between us completing our hire agreement, she drew on a map to direct us to find our car a long walk away across the airport dragging two large cases and two c
  15. My employer has changed their payroll system and as a result they have declared all my income correctly up to the end of December and then re-submitteded it all again to HMRC in January so now it appears to HMRC that I earned £2x,xxx inthe first nine months of the financial year and then was paid the the whole total sum again in one payment in January and that no PAYE was collected on this bumper payment the supposedly made to me. It is obvious that the employer has made an error and entered the year to date figures rather than the pay period figures but the implication of this is that HM
  16. Hello all, I normally just look at these sites but after seeing the helpful replies I thought why not. In Nov 2014 I had missed two payments on a card, and I was aware by this time that hiding did no good, I called Capital One to explain I was starting a new job and it would be maybe 1-2 months until I could get the balance back within it limit (which I did). I was then sitting on £227.57 on a £200 limit due to charges and interest. The advisor said sure, we can setup a payment plan, but no mention of the different types. I got an expenditure form and filled it
  17. Hi all I had two ccj debts with Aktiv Kapital which have now both passed the 6 year point. Both had interim charging orders on my house. I paid off one of about £3k and had the charging order removed. They very kindly also sent me a receipt to show that the other debt was clear (which it wasn't) I forwarded that to the court and had the other charging order removed. I moved house a year ago and I am still paying £20 a month to Aktiv Kapital. Any thoughts about what they could do if I stop these monthly payments? The CCJ wasn't really settled altho
  18. Hi I am new to these forums and would appreciate some much needed advice, because in May of this year (2016) I got a letter from the HMRC saying that I was entitled to a tax refund of £2500 as I had applied for the married mans allowance, which I duly accepted, but then I got a letter this morning 19/11/16 stating that I owed them £2300, which I was totally shocked by, as I strongly believed that I had been awarded the rebate and it had been backdated, as I dont really understand tax affairs, I am going to strongly appeal against this as I feel the HMRC are the ones responsi
  19. Got a sudden issue with HMRC who have sent me a nastygram for what looks an error I have made on my 2015 self assessment return. I was made redundant and had a few jobs tying me over (as an employee) until I found a good new employment. To support my income I also did some catalogue selling for one of these door to door companies plus some selling on ebay. As this extra income needs to be taxed I did a self assessment. I entered all the details as requested online and submitted. My tax liability was adjusted through my next PAYE code and all seemed fine until a few days ago when I receiv
  20. My PCN situation: I did not pay a PCN issued in Houslow, London for a bus lane contravention (dated 8 June 2015) in the agreed time as I was unaware of it. The first I knew of the PCN was an email from Collect Services Ltd. (13 June 2016) about warrant issued against me for an undisclosed sum owed for a bus lane contravention. I thought the email was spam or phishing and ignored it (I do not live in the area etc. and get spam from various 'companies' asking for money'.) On September 8th I was emailed a bill (again from Collect Services) for £512. I got in touch with them to ask wh
  21. So I was nightshift last night and woke up this afternoon to a letter from scott and co telling me that a summary warrant has been granted against me for unpaid council tax, thing is I don't have any unpaid council tax. I did have a small amount last year but that was paid off months ago. I called the council in a rage who told me there was no one available to speak to me but that my account was showing as up to date and they couldn't understand how this had happened, i could wait 45 mins (!) on hold or call back later. So I called back later and they have recalled it from the sheriff of
  22. Tens of thousands of people will receive refunds, plus interest, for charges incorrectly applied to student current accounts held with RBS and NatWest between 2002 and 2016. The RBS Group, which RBS and NatWest are both part of, says it has written to affected customers. The two banks offered interest-free overdrafts on their student current accounts. However, some people had the option to increase their arranged overdraft limit, in exchange for interest being charged on these higher balances. But following a business review this year, the RBS Group discovered this went ag
  23. This morning we had our car impounded by the police because DVLA informed them that our car was not taxed. When we got home we checked and have a receipt etc from DVLA for the tax which had been paid in February 2016. I checked the site and it shows the car as untaxed. Contacted DVLA and they are checking and will call us back. My question is how do we proceed to make a claim for vehicle recovery, taxis while without a car, hospital and doctor's appointments etc where we need to hire a taxi from DVLA. It's obvious;y their mistake. I s
  24. READ MORE HERE: http://www.independent.ie/business/irish/thousands-of-three-mobile-phone-customers-double-charged-due-to-technical-error-34970802.html
  25. Banking Error Gave Young Lady 4.6 Million Overdraft-What Would You Do? Could you be tempted to spend some. Lose your battle between the Devil telling you to get stuck in and go for it. Or the angel of reason telling you to go into the bank and say i think you have made a slight mistake. As you read this story and perhaps watch the video what is your brain telling you. Would you be planning to lash out,travel the world,take a chance. Where would you go or do,could you be tempted. Or plan to catch the bus or walk to town if no funds to tell them Oh dear what is this on my state
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