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    • Hello all,    I have received a letter from Advantis in regards to an overpayment of carers allowance I received when I got a job whilst I was caring for my mother. I did not know I had to inform them etc.    Long story short, I had a compliance phonecall with carers and nothing more was said.    I stopped caring for my mum shortly after and cancelled my carers allowance too.    I was employed for 4 months at the beginning of 2018.    Apparently the DWP and carers have sent letters but I haven't responded so they've gone through Advantis to recover the amount owed. I moved house shortly after cancelling everything and had no contact from them at all.    They sent letters to my previous address so they told me that's why it's been passed onto Advantis.    Today DWP told me that the only thing they can do is take payment in full, or deal with Advantis to come up with a payment plan.    I spoke to Advantis who asked me to pay in full or in two installments, I refused and they then said they've put my account on hold for 30 days whilst I go away and work out my monthly income etc so they can go through an affordability assessment to work out how much I can pay back and how often.      What shall I do? DWP tell me there's nothing they can do as it's been passed onto Advantis.    Advantis tell me they are working on behalf of the DWP... Nobody will tell me who owns the debt.     What shall I do?    Thank you all in advance for your amazing help.     
    • Hi, I have just received a pcn from Euro Car Parks saying that my car was in one of their car parks for 13 mins without making a payment. The reason being is that my husband was waiting for me, but where he thought I would only be 5 mins I was longer because of health issues and I had to take a rest. As if this wasn't enough, unbelievably I have just received ANOTHER notice saying I had not paid for a ticket on the 9th of September. I would like to mention the car park charges are so cheap, at £1:20 all day, it would be insane not to pay. We have used this car park only around 4 times and have always paid, excepting th time the car was waiting for 13mins. What a shock I have got receiving these notices. I wonder if I accidentally keyed in my registration incorrectly? Please can someone advise.
    • I also have a similar problem with Advantis for DWP overpayment of carers allowance. I've only just moved into my own house and they've sent a letter asking for my whereabouts and a business matter that needs my urgent attention. I have found out from the DWP and carers that I owe £1,131 and Advantis want me to go through an affordability assessment.    I am not sure who owns the debt, DWP or Advantis and where I stand with this 
    • I've just had this emailed from CarMoney. I'm so confused, I really don't know what I'm supposed to be doing and with whom. "Apologies for the delay in response. I have spoken to Oodle regarding the complaint and unfortunatly, they would require an independent report to be carried out on the vehicle. The burden of proof would lie with yourself.   I can certainly help by giving you the details of Scotia, who is the company that we use."   Everything I've read says that I did the right thing by exercising my rights under the CRA 2015 with the dealer. That was done within the six-months, so the burden of proof should be on the dealer still? Or am I completely wrong??
    • Heard nothing for 6 & half years until last week. A big fat letter from Barclays upholding my PPI claim which had gone to the Ombudsman (news to me) and enclosing all the waffle and finally at the end a cheque for £3659.20 and advising that £454.85 was taxed - this I can reclaim as I don't pay tax currently.
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Heres my situation.........

 

I allowed an HMRC officer into my house to discuss the outstanding income tax bills I hadn't paid. He asked if I could paid the monies there and then and I said no. He then listed the car and all items of value in my house on a walking posession order which I signed. I then had five days to pay the debt or those items would be removed by HMRC bailiffs.

 

Two days later, I went to court and made myself bankrupt. The court successfully granted the bankruptcy order. I am now waiting on the court appointed trustee to contact me to discuss my assets, etc.

 

I have not contacted HMRC to let them know that I am now bankrupt. I have been told that as they are listed as a creditor on the bankruptcy order, the trustee will contact them in due course (Is this correct or should I let them know ?)

 

So my question is this.........

 

1. Can the HMRC bailiffs still remove the goods on the walking posession order ?

 

2. Or does the bankruptcy order override the walking posession order and all assets must remain in the house until the trustee arranges for them to be sold off ?

 

If it's the latter, would HMRC basically rip up the walking posession order and leave it up to the trustee to rewrite the asset list ?

 

Many thanks for any help you can give.

 

Cheers

Gav.

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Hi, i don't know the answer, but I've asked for this to be moved to the baliff subforum where you will be able to get some more help.


i will be off site for the next month or so. if you have any problems, feel free to report the post so a moderator can help you.

 

I am not a qualified or practicing lawyer.

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Hi GAvman, sorry to hear about your situation, I cant answer all of your questions, but with regard to your creditors, your official receiver/trustee will contact ALL creditors on your behalf. In effect the debts are not yours, they are his (hers!). I would phone your OR and ask specifically about the walking possession order! They will advise you properly!

Good luck Red

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It is also worth calling national debt line.


i will be off site for the next month or so. if you have any problems, feel free to report the post so a moderator can help you.

 

I am not a qualified or practicing lawyer.

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Thread moved :)


HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

YOU CAN NOW COMPLAIN TO THE OFT ABOUT THEIR CONDUCT UNDER THE CONSUMER PROTECTION FROM UNFAIR TRADING REGULATIONS 2008.

 

 

 

Complaint to the OFT about DCA's threatening legally action on statute barred accounts

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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Thankfully this is not a question that is raised very often. I am unsure of the response without reading up on the matter.

 

Hopefully John Mc Kenna will be along soon and he may know the answer otherwise I will look into this.

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As the debt has been included in the bankruptcy, the only sanctions that can be placed on you are by the OR. The walking possesion is effectively void, same as CCJ's etc.

I would contact HMRC to let them know though, to save any problems if they haven't been informed by the OR yet.


Consumer Health Forums - where you can discuss any health or relationship matters.

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Thanks everyone......much appreciated. Any further info would be most welcome......cheers.

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As the debt has been included in the bankruptcy, the only sanctions that can be placed on you are by the OR. The walking possesion is effectively void, same as CCJ's etc.

I would contact HMRC to let them know though, to save any problems if they haven't been informed by the OR yet.

 

I thought some HMRC debts are not included in the bankruptcy estate?


i will be off site for the next month or so. if you have any problems, feel free to report the post so a moderator can help you.

 

I am not a qualified or practicing lawyer.

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I thought some HMRC debts are not included in the bankruptcy estate?

 

I thought all HMRC except those subject to criminal proceedings (tax evasion) were included in bankruptcy.


Consumer Health Forums - where you can discuss any health or relationship matters.

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Gizmo, re HMRC debts. My accountant advised me today that OH fines for late submission of annual accounts should be in his BR proceedings. So think that you are right!

Red

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Can anyone confirm if the bankruptcy order basically null and voids the walking posession order that HMRC have yet to collect on ?

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I would tend to go with gizmo, she does know more than me, but it is worth talking to national debt line.


i will be off site for the next month or so. if you have any problems, feel free to report the post so a moderator can help you.

 

I am not a qualified or practicing lawyer.

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Can anyone confirm if the bankruptcy order basically null and voids the walking posession order that HMRC have yet to collect on ?

 

AFAIK it does, but to be sure ring the HMRC and ask them, it will stop any confusion anyway if they know you are BR.

 

I would tend to go with gizmo, she does know more than me, but it is worth talking to national debt line.

 

Sorry Tom, can't agree with that statement.


Consumer Health Forums - where you can discuss any health or relationship matters.

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I dont have any knowledge in this area but find myself asking what would happen to the goods if they had been taken there and then by the HMRC man.

 

Would they be returned or would they say, tough, you were not bust when we took them and that would be it. I ask as a walking possession agreement is basically the same and the original owner of the goods is merely a custodian until such time as money is paid to release them.


Of course I will pay you everything you say I owe with no proof.

Oooh Look....Flying Pigs

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The thing is, Belaflat, that you are entering into deep and murkey law. Technically, the OR has the legal right to dispose of the debtors assets as he/she sees fit, and to go back over previous disposal arrangements and revoke them; i.e. assets taken by a baliff might give a particular creditor unfair priority.


i will be off site for the next month or so. if you have any problems, feel free to report the post so a moderator can help you.

 

I am not a qualified or practicing lawyer.

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I understand what you are saying and have read the OR has very wide ranging powers to revoke deals and sales etc if he deems them to have given others unfair priority.

 

Wonder what would have been the case if instead of a walking possession order, they had gone for a charging order on a home.

Would the OR have the power to revoke that or is that a different kettle of fish altogether.


Of course I will pay you everything you say I owe with no proof.

Oooh Look....Flying Pigs

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No the rules are that bankruptcy is for the benefit of ALL creditors.

 

Therefore if the "execution" as the bailiff action is called is COMPLETE by the time of the bankruptcy, then the person seizing the goods is entitled to retain the benefit. Otherwise they have to release the benefit of the execution to the Official Reciever (who in all likelihood won't pursue the matter because the costs usually outweigh the benefits).

 

Execution by bailiffs is only complete when:-

 

1) The goods have been seized AND sold, or

2) Payment has been received

 

AND ALSO

 

3) At least 14 days have passed before the bankruptcy order.

 

For the above reason, bailiffs will hold on to any money they receive for at least 14 days before passing it on to the relevant creditor.

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