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    • I’ve just got the same letter today with a £25 cheque. Apparently the quality of service I received did not meet standards 🤷‍♀️ I’ve not had a HSBC bank for over 20 years!
    • For a number of years a girl has been evading rail fares and giving my name and address also my daughter’s name and address and my husband’s name and address changing his name from Eric to Erica. We have contacted the police before who said there Was nothing they could do. This has happened about eight times with different rail companies each time it involves making a number of calls sometimes having to reason with debt collection agency.  When letters started arriving again with my surname wrongly spelt I returned them with not known at this address. However I then received a letter from the Bailiff with my correct spelling of the name and now also correct date of birth (previously they had the wrong date of birth) and i now know that this has gone to a court and I was found guilty even though it was not me who made the train journey. I have had to apply to the court for the case to be reopened, and I can prove that at the time I was at the opposite end of the country. The date of birth given by the offender was 25 years younger than mine so she’s obviously a younger girl. However I am worried that this will affect my DBS. I work as a carer on minimum wage and cannot afford to lose my job. Apart from which the stress and anxiety this causes every time is immense. I often have to make phone calls using higher than normal cost  0300 numbers to try to resolve this.  Surely the train company Arriva north should have some responsibility for confirming the identity of a person invading a rail fare. It seems that you can just give any name taken from the electoral roll without having to show ID. Would I have a case against arriva for putting me in this situation? It’s also confounds me that when the matter goes to court they then check on a database for the correct spelling of my name and the correct date of birth, and so the first thing that was sent to me with my correct details was the fine from the court. Previous to that there were letters in effect addressed to a different person with a wrong spelling of my surname.I know it is illegal to open letters belonging to another person. Although I suppose I could reasonably expect it might of been for me because the name was out by one letter. I certainly don’t want to pay the £250 fine. This is been going on for some five years.  My daughter has a whole file of letters.  Sometimes train companies have responded by adding a password so that when the person gets stopped they have to give a secret word. But the offender is doing this all around the country and there are many different rail companies involved. However this is the first time I believe it has gone to court
    • Hi Guys.    In 2016 I had a PDL with The Money Shop.   Due to financial difficulty I stopped paying it in January 2017.   Recently out of the blue I started receiving emails from CRS about the debt. They were duly ignored.   Within them was an email about sending me a Letter Before Claim (they didn't) as well as a couple of repeated emails about the implications of a CCJ. They have my address and I haven't moved since the debt was accrued.    A couple of days ago I received a letter from AJJB Law being very disappointed in me for not replying to CRS and telling me that their client is entitled to possibly pursue proceeding without further action.   Usually I would send an IRL claim to InstantCashLoans, but with them in the hands of Administrators that is no longer possible.   Also worth noting that on my credit file the debt is marked as owned by ICL - Trading as TheMoneyShop. This has been marked as 'Delinquent' every month since Jan 2017. There is no default registered.   So, whilst I am kind of sure that I'm still safely in the 'ignore these chancers' category, I was wondering if anyone had any advice on if I should perhaps tackle this in a different way?   Also, if the debt on my credit file is just marked as delinquent when will it fall off, if ever? 
    • These letters relate to very historic  collection/recovery "service failures" concerning current accounts, credit cards and loans   I have not had an account or debt with HSBC since 2008 My gut feeling is that it maybe connected to the use of their fake inhouse  collectors  Payment Sevices (PSB), Metropolitan and DG Solicitory but I will know more when they reply to my letter demanding details
    • Short update.Received an acknowledgement letter from PRA re SAR request. They say the will respond to my request by December 17th 2020.
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Change in Tax Credits

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I have been trying to work out how the change in tax credits announced in the emergency budget will affect us ,


We are safe from the new 40k lI'mit but im not sure how the new income limits are going to affect us?


At the moment the income allowance is 25,000, this will go down to ten thousand and then to 5 thousand , does this mean we will lose an equivalent amount of tax credits ?


If this is the case then we really need to think about selling our house as soon as possible or we will not be able to meet mortgage payments, I was working full time when we brought our house but have two disabled children on of which is only at school part time and one is not attending at all after a suicide attempt :(

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Hello there. I don't know the exact answer I'm afraid, because this is all so new. I would be looking online for information, maybe the newspapers' websites, the BBC, HMRC if they've caught up.


If I spot anything later, I'll post it to your thread.



Illegitimi non carborundum




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Thank you HB, I have read everything I can get my hands on to find out how the change will affect lower income families but there seems to be no mention of this anywhere,


If my worst fears are correct then this is the change in tax credits that is going to affect everyone that works the most :(


Our household income is only 13k a year, at the moment none of it is taken into account in the tax credit calculation, when the limit drops to ten thousand 3k of it will be taken into account and when it drops to 5k a year 7k will be taken into account, if we lose that much in tax credits there is no way that we would survive :(

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Try here mina:

2010 Budget - HM Treasury

I'm not a qualified welfare rights adviser, but I'm planning on becoming one. I'm no substitute for more competent advice from trained CAB and welfare rights workers - [URL="http://www.consumeractiongroup.co.uk/forum/benefits-tax-credits-minimum/127741-benefits-advice.html"]see this post[/URL] by Joa, great advice and links! I've been running a Crisis Loan campaign and help since Jan 2007 . See my annotations c/o "theyworkforyou". I'm also currently interested by the recent DWP Medical Services reform and the effect this is having on valid claims, seriously - someone needs to be keeping a suicide count.

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  • 1 month later...

Hi Mina,


No that is not what you will lose.


What the current £25000 and the new 5k and 10k etc relate to is called 'income disregard'.


Currently your household income is allowed to increase up to £25000 more than last years income without you incurring an overpayment ( ie, last yrs income was £17000, this years payment will be based on an income of £17000 but you are actually allowed to earn £42000 this year without it resulting in an overpayment).


What the new Budget has done is, from April 2011/2012, reduced this 'disregard' bit by bit.


If your household ususally earns a similar amount every year it shouldnt really affect you.


Hope this helps, Anne

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