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    • This is more than helpful. Thank you so much. I will get the cca done tomorrow and post the reply from them for what to do next. Thank you all again. 
    • 12+2 working days.   a dca can't hurt you credit file any more anyway.   only the original creditor can issue and register a default, on or before the sale of the debt.   what the dca put in the calendar section is immaterial as only you and them can see it it does not extend the 6yrs period whereby the debt shows on your file and after which the 6th defaulted date's birthday causes the whole file to removed regardless to paid or not, paying or not......makes no odds. it still goes, but might still be owed mind, depending upon the contents of the CCA return.   dx  
    • Hello   I agree with dx100uk.   Send them a CCA request which is a request for them to produce the original agreement that gives rise to the debt.  They have a limited amount of time (I think around fifteen days) to send you the document.   Here are the possible follow-ons from that:   1. They don't respond within 15 days and so you are legally entitled to stop paying until they do send a response. 2. They send a letter saying they have gone back to the original creditor to ask for the document and they need more time.  You (legally) stop paying after fifteen days and don't pay them again until they send proof. (This is the most likely first response as they wont have any of your documentation as they bought your debt as part of 1000 others on a spreadsheet on a CD ROM or USB stick). 3. They send you something that looks like a contract or which might be something else that they want you to think is the contract within the time frame.   After either of the above  whatever they send you should be referred back here for an assessment as they will often send you unsigned documents or made up bits of nonsense.  Even if the contract turns out to be the genuine one it still might not be enforceable due to errors made by the creditor at the time of signing.   The only potential downside to the above is that they could try to damage your credit record but probably it is as much damaged as it can be by this debt already so nothing else they can do will make it worse.   Following on from the above you can continue to not pay them.  I would setup an on-line savings account and pay yourself the money instead which has the advantage of creating a resource in case you need to resume payments in the future.   They may send you further letters either inducing you to resume payments by threat or by offering you a deal.  If the document is not valid then the only deal you need to take is the one you unilaterally entered into at T plus 15 days when you agreed with yourself not to pay them another penny.   It is not impossible that they will send you a letter saying the debt is unenforceable (miraculously I have actually seen one!) and asking you to pay anyway which you will of course ignore as you should not be giving any member of this low life industry any encouragement.  
    • I agree and I've no doubt that will happen in the future, but if a court claim is issued and a ccj successfully registered against the debtor then it will never be sb anyway, so are we more likely to see more court claims in the future ?      Can it not work both way though, if the sb date is ultimately aligned to the date of the default notice, essentially giving the creditor 6 years to collect or issue a court claim then regardless of when the debt was last acknowledged / payment made, a debtor could just tell the creditor to eff off after the 6 years is up, figuratively speaking     
    • Received acknowledgement of defence submission from court. VCS now have the option of continuing their claim or not. Watch this space !!!!
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craigten

2 Questions on Tax refunds-Please help me?

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Hi, i have 2 questions regarding Tax refunds so if anyone could help me i would appreciate it very much:

1, I recently read how it is possible to claim tax back if you have had to wash your own work wear/overalls, is this true please?

2, i recently had a letter from my union urging me to use them to try for a tax refund but, helpfully, if i use them they will take 40p per pound(how nice eh?) How could i try for a tax refund please?

 

Thank you in advance!!

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Hi, i have 2 questions regarding Tax refunds so if anyone could help me i would appreciate it very much:

1, I recently read how it is possible to claim tax back if you have had to wash your own work wear/overalls, is this true please?

2, i recently had a letter from my union urging me to use them to try for a tax refund but, helpfully, if i use them they will take 40p per pound(how nice eh?) How could i try for a tax refund please?

 

Thank you in advance!!

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Hi, i have 2 questions regarding Tax refunds so if anyone could help me i would appreciate it very much:

1, I recently read how it is possible to claim tax back if you have had to wash your own work wear/overalls, is this true please?

2, i recently had a letter from my union urging me to use them to try for a tax refund but, helpfully, if i use them they will take 40p per pound(how nice eh?) How could i try for a tax refund please?

 

Thank you in advance!!

 

hi, welcome to the forum the rules regarding the washing of workwear/overalls is complex i cant remember exactly what they are but are available on the hmrc website.

 

2 anyone can claim a tax refund all you need is your end of year P60 send it to your tax office that deals with your affairs if you dont know this ring the helpline answer the security questions and they will give you the address, send p60 with covering letter stating you think you are entitled to a tax refund for the previous year, could you pleae check this and they will do the work and send you a refund if its due, not everyone is entitled to a refund all depends on whether you have been taxed correctly or not but costs but a stamp to find out. hope this helps

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We got a template letter from our union rep who came to our place of work in respect of the reclaiming of the tax allowance for laundering our own uniforms.

 

All we had to provide on it was our name, address NI no how long we had worked for our employer then send it to the tax office that dealt with our tax.

 

If you dont pay tax but your partner does then you can request that they claim the allowance for you.

 

Hope that helps

 

saint


Any typos spelling mistakes are due to leprechauns in my keyboard they move the letters around sometimes (amended just for Bookie)

 

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Hmmmm...that is interesting, thank you! Well i do pay tax but my gf doesn't as she is a student but she did work part time for 8 months where she did have to wash her uniform, does that mean that i can claim for her? (Im sorry for this, im not terribly sharp on these matters!!)

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What we were told to do was (the ones that didnt pay tax) was to send the letter ourselves but add OH's NI number requesting that they get the allowance on their behalf.

 

As your union has already been in contact with you in regards to the claim perhaps you could phone them and ask for clarification on that :)


Any typos spelling mistakes are due to leprechauns in my keyboard they move the letters around sometimes (amended just for Bookie)

 

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I offer help and advice in good faith, based on my knowledge and experience. I am NOT a legal or financial expert. There are many CAG members and site team who are better qualified. Please do not make major decisions based on my advice alone.I do not give advice via P.M's. If anyone can correct my mistakes or improve on my advice, please do.

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Thanks, i will do, i just dont want them claiming the 40p per pound! :sad:

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You dont have to ask them to do it for you ........ just ask for clarification


Any typos spelling mistakes are due to leprechauns in my keyboard they move the letters around sometimes (amended just for Bookie)

 

"How do I...?" A Dummies' Guide to this Forum

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Please Donate if you can - help CAG help others

 

I offer help and advice in good faith, based on my knowledge and experience. I am NOT a legal or financial expert. There are many CAG members and site team who are better qualified. Please do not make major decisions based on my advice alone.I do not give advice via P.M's. If anyone can correct my mistakes or improve on my advice, please do.

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