Jump to content
  • Tweets

  • Posts

    • All Talk Talk Direct debits/standing orders, etc were all cancelled correctly and set up for BT. Talk Talk took the money from my debit card details which they had retained. I have now blocked this too. I just want my money back!
    • On the basis it was a direct debit from the bank. Why did you not use the DD guarantee and insist the bank refunds the money.     
    • Basically i can claim for my excess and loss of earnings as i was self employed and cost for hire of van, solicitors have asked for uninsured losses, if lossess are not included in claim i cant recover them at later date the letter states.  
    • Hi All,   On 26th May this year I called my broadband/phone service provider, Talk Talk, to inform them that I would be leaving them and moving to BT at the end of the month.  My contract with Talk Talk had officially ended back in October 2019 and I was just paying them on a monthly basis for continued service. I was advised that I did not need to do anything, as arrangements would be made on my behalf to keep my existing number etc between Talk Talk and BT.  I began my contract with BT on 1st June.  I cancelled my bank payment arrangements to Talk Talk and set up new ones for BT. I then received a bill from Talk Talk for June's monthly charges, which I ignored as I was no longer a customer, I owed them nothing, and they were not providing me with any kind of service. I then received a second bill from Talk Talk for July's monthly charges. I called Talk Talk to explain their error but they insisted that I was still a customer using their services.  This was despite me proving that I have been a BT customer for the past two months and paying BT for services that Talk Talk are claiming to be theirs. Talk Talk then took £60.39 from my bank account on 2nd August, despite having no authority or consent from me to do so.  I complained to my bank and they explained that utility companies hold on to customers payment details (despite GDPR) and this practice is common.  I have now instructed my bank to refuse any further payments to Talk Talk, by any means!. I phoned Talk Talk to complain and insist they repaid my money immediately as it had been obtained fraudulently and they are not providing any service to me anymore.  The adviser couldn't help much, but promised me a call from a manager later in the week.  The call never materialised. I called Talk Talk myself today, and after nearly four hours of phone calls, being put on hold, transferred, being made promises and making more calls, I have got nowhere. One manager did offer a token £30 payment which I obviously turned down.  I eventually hung up after being put on hold for over 20 minutes during a call lasting over an hour. These people are ignorant at best and impossible to deal with. Please could someone advise me on how to get my £60.39 back from these people?  
    • They can ask you to help them.   The reason for doing this is that the accident was between two private citizens with the Insurance companies covering the risk.  The Insurance company need your assistance to claim directly against the other driver, as the other drivers Insurance are not paying the claim.  Each Insurers pays 50% of the claim costs.     If you don't help the Insurers, I am not sure what they can do about this, as you are no longer a customer of theirs.   Perhaps ask whether they will cover your costs. e.g. time. 
  • Our picks

    • Curry’s cancelled my order but took the money anyway. Read more at https://www.consumeractiongroup.co.uk/topic/423055-curry%E2%80%99s-cancelled-my-order-but-took-the-money-anyway/
      • 11 replies
    • Father passed away - Ardent Credit Services (Vodafone) now claiming he owes money. Read more at https://www.consumeractiongroup.co.uk/topic/423040-father-passed-away-ardent-credit-services-vodafone-now-claiming-he-owes-money/
      • 9 replies
    • Currys Refuse Refund F/Freezer 5day old. Read more at https://www.consumeractiongroup.co.uk/topic/422656-currys-refuse-refund-ffreezer-5day-old/
      • 6 replies
    • Hi,  
      I was in Sainsbury’s today and did scan and shop.
      I arrived in after a busy day at work and immediately got distracted by the clothes.
       
      I put a few things in my trolley and then did a shop.
      I paid and was about to get into my car when the security guard stopped me and asked me to come back in.
       
      I did and they took me upstairs.
      I was mortified and said I forgot to scan the clothes and a conditioner, 5 items.
      I know its unacceptable but I was distracted and Initially hadn’t really planned to use scan and shop.
       
      No excuse.
      I offered to pay for the goods but the manager said it was too late.
      He looked at the CCTV and because I didn’t try to scan the items he was phoning the police.
       
      The cost of the items was about £40.
      I was crying at this point and told them I was a nurse, just coming from work and I could get struck off.
       
      They rang the police anyway and they came and issued me with a community resolution notice, which goes off my record in a year.
      I feel terrible. I have to declare this to my employer and NMC.
       
      They kept me in a room on my own with 4 staff and have banned me from all stores.
      The police said if I didn’t do the community order I would go to court and they would refer me to the PPS.
       
      I’m so stressed,
      can u appeal this or should I just accept it?
       
      Thanks for reading 
      • 16 replies
Honeypot

Income/Expenditure Form

style="text-align:center;"> Please note that this topic has not had any new posts for the last 4070 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Hello Everyone :)

 

Can I ask for advice on a question please-

 

Does it matter if you send a creditor your own I&E sheet or do you have to use a CCCS/Payplan etc generated one?

 

The reason I ask is that John Lewis keep asking me for wage slips, copy of my car hire purchase agreement and number of people in my household to assess me further.

 

This is all on my I&E sheet that a kind member on this board helped me with.

 

I have sent them this twice now though :evil:

 

They have actually stopped interest which I am happy with so dont know what to do :-|

 

Thanks All

 

 

 

Vicky

xxxx

Share this post


Link to post
Share on other sites

You can send your own I & E form to them. They have no rights to see wage slips/hire purchase agreements etc. Have you seen all of their paperwork for your credit? If not then ask them to send you a copy of the customer credit agreement they hold for your account.

 

There is a letter in the templets section for this. Send it away unsigned, by recorded delivery and with a £1 postal order. They then have 12+2 working days to get the agreement back to you or else you can stop paying them a penny.


Beating the DCA's day by day

 

My fight:

NDR - CCA'd 12+2 passed

Bank of Scotland - CCA'd 12+2 passed

CFS - Win by Technical Knock-out!:lol:

HFC Bank - CCA'd 12+2 passed

Chantry Collections - CCA sent

 

Time flies like an arrow

Fruit flies like a banana :D

 

<---------- Have I given you top advice, have I made you laugh, click on the scales, it won't hurt you! :grin:

Share this post


Link to post
Share on other sites

Yes you can send them your own, it doesn't matter who's template it is, as long as it includes all the relevent information :)


If I have been helpful in any way, please tip my scales :lol:

Share this post


Link to post
Share on other sites

Hi Berry

 

Thanks for your reply. Yes I have CCA'd them and it was enforceable. I am surprised that they have stopped interest and charges which is good.

 

Worried that they will start charging interest again if I dont send them wageslips etc...

 

 

Vicky

xxxx

Share this post


Link to post
Share on other sites
Hi Berry

 

Thanks for your reply. Yes I have CCA'd them and it was enforceable. I am surprised that they have stopped interest and charges which is good.

 

Worried that they will start charging interest again if I dont send them wageslips etc...

 

 

Vicky

xxxx

 

And thats the rub... whilst they have no RIGHTS to this information, they will state that its required by their own internal processes.

 

If you have put down the correct amount of income on your own I&E then you could do what I did... that's scan in a recent payslip and then edit it in paintbrush or some other program to remove EVERYTHING except for my name and the amount of pay. No NI number or tax details etc.

 

S.


Are You as Anonymous on CAG as You Think You Are? *Link*

 

The CAG is a free help site,should you be offered help that requires payment,please report it to site team.

 

Deal with your debts:

STEP ONE - Dont Panic! | STEP TWO - Priority & Non Priority Debts | STEP THREE - Personal Budget Sheet | STEP FOUR - A SAFE bank Account | STEP FIVE - Dealing with Priority Debts | STEP SIX - Non-priority Debts | STEP SEVEN - Non-Priority Debt-Repayment Opt1 | STEP EIGHT - Non-Priority Debt-Repayment Opt2 | STEP NINE - Perils of Consolidation | STEP TEN - RE-Evaluate Frequently

 

***** SERIOUSLY IN DEBT, DONT KNOW WHAT TO DO, TRY NationalDebtLine's MoneySteps *****

 

 

IMPORTANT: Please take my advice in the spirit it is given and on the basis that I am expressing my opinion, These opinions are not endorsed by CAG in anyway and are offered informally without prejudice or warranty of any kind. These opinions are solely based upon the knowledge I've gained from this fantastic site and life in general. I have NO legal training.

Share this post


Link to post
Share on other sites

Thanks Shadow.

 

I know this sounds dumb but if I just send a wage slip they wont assume it is all disposable will they?

 

I just feel with an I&E form it shows the full picture.

 

Also should I send a copy of my car HP Agreement? I would have thought thats personal.

 

I think I'm babbling now....!

 

Vicky

xxxx

Edited by Honeypot

Share this post


Link to post
Share on other sites
Thanks Shadow.

 

I know this sounds dumb but if I just send a wage slip they wont assume it is all disposable will they?

 

I just feel with an I&E form it shows the full picture.

 

I think I'm babbling now....!

 

Vicky

xxxx

 

Don't send the wage slip, just the I&E. They have no right to anything else at this stage. For sure there is an element of trust but they need to be reasonable.

Share this post


Link to post
Share on other sites

Thanks Sequenci

 

They have had this I&E twice now !

Do you think a judge would argue that it is a reasonable request to see my wageslips?

 

Vicky

xxxx

Share this post


Link to post
Share on other sites
Thanks Shadow.

 

I know this sounds dumb but if I just send a wage slip they wont assume it is all disposable will they?

 

As I said I blanked out everything bar the income... this matched what my income was stated on my I&E and proved that I wasnt lying on how much I was paid. I put a covering letter together just stating something along the lines of "Please find enclosed my last payslip, this confirms my total income for the month as given in my I&E previously sent to yourselves"

 

I havent sent any other documentation they have requested and I'm not going to, I just wanted to show that I wasnt lying on my I&E.

 

Sequenci has vastly more experience than me so if doing it all again I'd follow the advice given :-D :-D

 

S.


Are You as Anonymous on CAG as You Think You Are? *Link*

 

The CAG is a free help site,should you be offered help that requires payment,please report it to site team.

 

Deal with your debts:

STEP ONE - Dont Panic! | STEP TWO - Priority & Non Priority Debts | STEP THREE - Personal Budget Sheet | STEP FOUR - A SAFE bank Account | STEP FIVE - Dealing with Priority Debts | STEP SIX - Non-priority Debts | STEP SEVEN - Non-Priority Debt-Repayment Opt1 | STEP EIGHT - Non-Priority Debt-Repayment Opt2 | STEP NINE - Perils of Consolidation | STEP TEN - RE-Evaluate Frequently

 

***** SERIOUSLY IN DEBT, DONT KNOW WHAT TO DO, TRY NationalDebtLine's MoneySteps *****

 

 

IMPORTANT: Please take my advice in the spirit it is given and on the basis that I am expressing my opinion, These opinions are not endorsed by CAG in anyway and are offered informally without prejudice or warranty of any kind. These opinions are solely based upon the knowledge I've gained from this fantastic site and life in general. I have NO legal training.

Share this post


Link to post
Share on other sites
As I said I blanked out everything bar the income... this matched what my income was stated on my I&E and proved that I wasnt lying on how much I was paid. I put a covering letter together just stating something along the lines of "Please find enclosed my last payslip, this confirms my total income for the month as given in my I&E previously sent to yourselves"

 

I havent sent any other documentation they have requested and I'm not going to, I just wanted to show that I wasnt lying on my I&E.

 

Sequenci has vastly more experience than me so if doing it all again I'd follow the advice given :-D :-D

 

S.

 

If you have the time to send a blanked out wage-slip then you're doing more than you reasonably have to. They can't argue with that!

Share this post


Link to post
Share on other sites

Thanks Shadow & Sequenci

 

Will send one ASAP.

 

What about the HP agreement for my car they want to see and the number of children in my house?

 

They cant access my kids savings can they?

 

Vicky

xxxx

Share this post


Link to post
Share on other sites
Thanks Shadow & Sequenci

 

Will send one ASAP.

 

What about the HP agreement for my car they want to see and the number of children in my house?

 

They cant access my kids savings can they?

 

Vicky

xxxx

 

My guess is they want to see the agreement to see the worth of your car as an asset and how they might be able to obtain that asset in the worst case scenario. DO NOT SEND THIS DOCUMENT

 

As to children, its prob cos they have a value assigned to every child and in their calculations they allow a set amount of disposable income and costs for meals per child. Not sure on the impact of letting them know this, wouldnt think it negative.

 

Dont forget individual debts are personal, nobody except yourself are liable for your alleged debts.

 

S.


Are You as Anonymous on CAG as You Think You Are? *Link*

 

The CAG is a free help site,should you be offered help that requires payment,please report it to site team.

 

Deal with your debts:

STEP ONE - Dont Panic! | STEP TWO - Priority & Non Priority Debts | STEP THREE - Personal Budget Sheet | STEP FOUR - A SAFE bank Account | STEP FIVE - Dealing with Priority Debts | STEP SIX - Non-priority Debts | STEP SEVEN - Non-Priority Debt-Repayment Opt1 | STEP EIGHT - Non-Priority Debt-Repayment Opt2 | STEP NINE - Perils of Consolidation | STEP TEN - RE-Evaluate Frequently

 

***** SERIOUSLY IN DEBT, DONT KNOW WHAT TO DO, TRY NationalDebtLine's MoneySteps *****

 

 

IMPORTANT: Please take my advice in the spirit it is given and on the basis that I am expressing my opinion, These opinions are not endorsed by CAG in anyway and are offered informally without prejudice or warranty of any kind. These opinions are solely based upon the knowledge I've gained from this fantastic site and life in general. I have NO legal training.

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...