Jump to content


  • Tweets

  • Posts

    • Hi all, Love this site and it's no nonsense advice, have dipped in and out of the consumer forums over the years, mostly to assure myself that what I was doing was the right thing when dealing with various businesses (almost 100% success rate, thanks in part to reading and more reading here.). Anyway, the time is almost approaching where I might need to ask for some specific help and I have a couple of queries that I can't see definitively answered. Due to financial mismanagement and severe anxiety issues I stopped paying all unsecured debt in December 2018 (one slipped to the first week in Jan 2019 when the last payment was made having rechecked my bank statement from that period - all my unsecured debt direct debits were cancelled in early Jan 2019). This has left half a dozen debts;  a couple of credit cards, a bank loan, Shop Direct and some Hitachi Finance stuff having been sold on and passing the rounds through the usual suspects, Lowells, Link, PRA Group, others related to them, and then back to them again. I have somehow successfully managed to maintain radio silence and avoided anything more worrying than their begging letters.  I have blocked their phone calls and texts, bumped all emails to the spambox and had a chuckle at their desperate letters.  I've never had anybody at the door.  I have been at the same address since before I defaulted and all correspondence comes to my current home address.  I have NEVER contacted them or admitted any debt. In anticipation of them perhaps ramping up action at the last minute I've had a look at my credit report on Credit Karma (rec'd from this very place) and I see that the default dates on these range from May 2019 to November 2019. Also in preperation I've been reading, reading and reading lots here as advised. Obviously being in Scotland there are a lot fewer posts relating to these matters and it's always quite annoying when OP's do not follow up with any outcome on their cases - how rude! This has also left me a bit confused of when I am able to finally breathe easy (although cancelling all the direct debits in Jan 2019 was the biggest sigh of relief as I knew it was all going to be unmanageable and, well, default one, default all.). I've been reading that defaults should be filed 3-6 months after the missed payment but one of my larger debts was defaulted on 27th August 2019 when the last payment I made was 10th December 2018, meaning the first missed payment was 10th Jan 2019.   My query for now is - when should I infer that these debts are prescribed?  From when the payment was missed, or taking the default date plus 5 years from the credit report? The three I have with the May date are moot anyway as either way they are gone  - some letters from Lowell offering me 90% off to settle is what got me thinking these must have been near SB status, however I have one big 10k+ with a July date and another 10k+ at the end of August I am feeling a bit anxious again, even though I know there is nothing to worry about with the begging letters.  Reading the various forums I am not sure why the OC's didn't take action against me when I read time and again the surprise that other posters haven't already been taken to court for lesser amounts - I'm also surprised I've avoided any action this long as there are plenty in this forum and sub forum who are whisked off to the court by the beggers minions after only a year or so after defaulting.  There are no CCJ/decrees listed on my credit report and I have not received any such judgements against me.  I still just regularly receive the begging emails to the spambox, the blocked phone calls and the letters from the they. I'm also reading that there is no need in Scotland to send an LBC so what should I be looking out for to know that the time has come to engage with CCA requests etc? I'm afraid in a fit I threw a lot of the paperwork out but I have a box of stuff I'm going to go through which may have the original letters from the OC's. Thanks in advance for any advice.  
    • I'm at work now but promise to look in later. Can you confirm how you paid the first invoice?  It wasn't your fault if the signal was so poor and there was no alternative way to pay.  There must be a chance of reversing the charge with your bank.  There are no guarantees but Kev  https://find-and-update.company-information.service.gov.uk/company/09766749/officers  has never had the backbone to do court so far.  Not even in one case,  
    • OK  so you may not have outed yourself if you said "we". No matter either way you paid. Snotty letter I am surprised that they were so quick off the mark threatening Court. They usually take months to go that far. No doubt that as you paid the first one they decided to strike quickly and scare you into paying. Dear Chuckleheads  aka Alliance,  I am replying to your LOCs You may have caught me the first time but that is  the end. What a nasty organisation you are. You do realise that you now have now no reason to continue to pursue me after reading my appeal since you know that my car was not cloned. Any further pursuit will end up with a complaint to the ICO that you are breaching my GDPR.  Please confirm that you have removed my details from your records. ------------------------------------------------------------------------------------------------------------------------------------------------------------ I haven't gone for a snotty letter this time as they know that you paid for your car in another car park. So using a shot across their bows .  If it doesn't deter them and they send in the debt collectors or the Court you will then be able to get more money back from them for  breachi.ng your data protection than they will get should they win in Court-and they have no chance of that as you have paid. So go in with guns blazing and they might see sense.  Although never underestimate how stupid they are. Or greedy.
    • Thank you. Such a good point. They did issue all 3 before I paid though. I only paid one because I didn’t have proof of parking that time, only for two others.    Unfortunately no proof of my appeal as it was just submitted through a form on their website and no copy was sent to me. I only have the reply. I believe I just put something like “we made the honest mistake of using the incorrect parking area on the app” and that’s it. Thanks again for your help. 
    • They are absolute chuckleheads. You paid but because you entered a different car park site also belonging to them they are pursuing you despite them knowing what you had done. It would be very obvious to everyone, including Alliance that your car could not have been in two places at the same time. Thank you for posting the PCN so quickly making it a pity that you appealed since there are so many things wrong with it that you as keeper are not liable to pay the charge. They rarely accept appeals since that would mean they lose money but they have virtually no chance of beating you in Court. Very unlikely that they will take you to Court given the circumstances. Just in case you didn't out yourself as the driver could you please post up your appeal.
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

Notice of overpayment help needed please


sourplums
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5220 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Good Luck Sourplums

hope all goes well.

 

Hopefully Ericas link will help with the overpayment,

 

I think they have just found out you are entitled to SDP and if your circumstances have not changed, why is this ?

You may be entitled to arrears and these can be backdated to the date that you were first entitled to it.

 

SDA and IB are roughly the same.

I can give you a calc if

a I know the rate of your IB

and the date you got the letter telling you that your claim was closing as you had excess income because of your SDA

Soon after they realised they had combined your DLA by mistake and that you were entitled to SDP

You must have filled out a form an IS 10

 

Your DLA should be paid weekly or monthly now, and your I,S and SDA fortnightly, they shoud NOT come together

Thank you Mikey for the kind words:) My IB rate is £105.45 and this other thing that replaced my IS although it still says on the letter"total ammount of IS we will pay you is £39.20, total is £144.65 per week or roughly £288 per fortnight, the following fortnight i recieve my £288 + £240 which is my DLA for the month.

 

I recieved the letter telling me my IS will change on 12 Sep 2009 and it basicly said " This means from 5th Aug 2009 you are not entitled, this is because you have more money than the law says you need to live on." it's after this i recieved the letter saying i could apply for SDA, which was filled in and sent away, couple of weeks later recieved a reply back saying i was awarded £39, but any letters recently still say the SDA i was awarded is IS, don't know if that helps or just confuses things anymore.

Link to post
Share on other sites

Bit of a downer today, went along for my appointment and person who was to see me has taken today off sick and might be off for a week, so girl is trying to arrange for me to see someone else and will call me on Thursday,suppose these things happen.

Link to post
Share on other sites

OK think this could be near, :)

Sometime in 2007 DLA thought that I.S had decombined your DLA.

This means that DLA put your DLA into payment because they thought I.S had stopped paying it. This was a common practice because it saved the department money. What probably happended was that DLA wrote to I.S in 2007 and told them to stop paying your DLA but it looks like this was not done and I.S carried on paying it untill 2009. DLA thinking that they had stopped paying it started to pay you as well hence your overpayment

All cases were stopped being combined by 2008 so you slipped the net somehow again

 

Did You have a change to your DLA during 2007 if not then the above happened.

 

THis is how your benefit has been worked out before 5 August 2009 thats the date the above was noticed your Income Support was worked out like this

 

for your self £64.30

Disability premium £27.50

your DLA care £47.10

Mob £18.65 total all together £157.55 minus your IB £105.45 leaving IS to pay you £52.10 per week

 

Which was of course wrong because your DLA should not have been paid by them then

 

Then 5th August 2009 they realise their mistake and this is your new entitlement

 

for you £64.30

DP £27.50 total £91,80 less your IB £105.45 due no I.S thats when you get the letter saying your claim to I.S has closed

 

Then someone realises you may be entitled to SDP they send you the form you complete it and you are entitled

so this is you now for IS purposes

 

for you £64.30

DP £27.50

your new SDP £52.85 that they are just awarding

 

total I.S due £144.65 minus your IB £105.45 I.S due to you now £39.20 per week

Your correct entitlement

 

The questions that have to be asked now were you entitled to SDP before they realised their mistake

the date it has been awarded from is 12th Septemeber 2009

but where you due it earlier.

 

Have your circumstances changed if not you could be due arrears of this SDP?

 

I have tried to give you some figures here and they could be near to whats happened but you when you see your expert, hopefully they can confirm or when they have your letters to hand tell you what has happened if different to the abov

Edited by MIKEY DABODEE
Link to post
Share on other sites

I came across this in the event they do not accept it as an official mistake. It may also be help to others who have to pay back an overpayment. Hopefully Erika can confirm whether it is correct.

 

 

The local authority can deduct overpayment debts from ongoing entitlement to housing benefit. As of 2008, this rate is a maximum of £9.10 per week, plus half of any 'earned income disregard' which applies to the claimant's income. This means that the maximum standard deduction could be £21.60 per week, if an earned income disregard of £25.00 would normally apply. The only exception to this is in overpayments where the claimant has been convicted or has admitted to fraud, at which point the overpayment can be recovered at a maximum of £12.00 per week plus half the earned income disregard. However, the recovery amount may be reduced at the Local Authority's discretion if the claimant is suffering hardship.

The recovery amount from ongoing entitlement is affected by the amount of weekly normal entitlement. The minimum housing benefit that can be paid, regardless of overpayment recovery, is 50p per week. For example, if the entitlement is £7.50 and the overpayment recovery level is £8.70, the claimant will receive 50p every week until recovery is complete with £7.00 going towards the overpayment.

If the claimant is no longer entitled to housing benefit, the local authority can also send the claimant an invoice for it. If the claimant doesn't pay, the local authority has roughly the same legal means to recover it as other unsecured creditors, such as credit cards and utilities. Unlike council tax debts, the tenant cannot be put in prison for non-fraudulent overpayments. The Council does have the ability to use an accelerated County Court process for the recovery of overpayments.

A Council may also seek to recover Housing Benefit overpayments from other Social Security Benefits or Housing Benefit payments made by other Local Authorities.

If the housing benefit was paid directly to the landlord, and the landlord is expected to have been aware of the overpayment (such as failure to disclose ineligible service charges, benefit exceeding the actual rent, and benefit paid past termination of tenancy or tenant's death), the local authority can hold the landlord liable for the overpayment either instead of or in addition to the claimant.

Housing Benefit overpayments may also be deducted from Housing Benefit paid to another tenant of the same landlord. (Innocent Party Recovery). The law requires that the Landlord treats any deduction made against the innocent party as not having been made.

For council tenants, overpayments may only be posted to a rent account where the Council is able to separately identify re-payments of overpaid benefit to payments of rent. In practice, sue to system design Local Authorities only post to Rent Accounts at the end of a tenancy and or where there is a credit on the rent account.

Link to post
Share on other sites

Secondly can any one give me a link ot the Housing and Council tax Benefits Regulations with all the new amendments particularly relating to extended benefits. I can find the original 2006 HB etc regs but not the one with the amendments.

Link to post
Share on other sites

  • 2 months later...

Hello all again it's been a while,just thought i would pop back and say thank you for all your kind help in regards this matter, had my appointment today at long last(extremely busy) gentleman that i seen has now sent a letter of appeal and faxed them a copy also and says to just wait to see if i hear from them fingers crossed.

 

So thank you very much for all your kind help which was extremely grateful, anymore help i need or anyone else that i know who requires help i will point them in the direction of this fantastic website.

 

Thank you:)

Link to post
Share on other sites

Hello all again it's been a while,just thought i would pop back and say thank you for all your kind help in regards this matter, had my appointment today at long last(extremely busy) gentleman that i seen has now sent a letter of appeal and faxed them a copy also and says to just wait to see if i hear from them fingers crossed.

 

So thank you very much for all your kind help which was extremely grateful, anymore help i need or anyone else that i know who requires help i will point them in the direction of this fantastic website.

 

Thank you:)

 

 

Good luck with your appeal and hope it goes well :)

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...