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    • It's not so bad then.  1250L is the standard tax code, and means he can earn £12500 pounds without paying tax, and then just pay tax on anything he earns over that amount.   Due to technically being out of work, and claiming UC, and now going back to work, the code is saying that he will pay tax on anything earned over £6500 pounds now, but it is under review and should change within the next 8-12 weeks, and if he has overpaid in the meantime, then it will be refunded via his paycheck.   The only reason for this is I am assuming that while shielding, his company did not keep him on the books.  If HMRC have got a record of him being on the books, and claiming UC, this will be them determining that he hasn't been trying to fraud the system by being paid as employed at the same time as claiming UC.  Once they clear that up, then they will correct the tax code.  So long as all his earnings and benefits all add up and they are happy then it will be back to normal.
    • Good Afternoon,   I am hoping to receive some advice regarding the below topic.   I was looking to purchase a property off-plan with a incentive attached and in order to secure this you pay a 'finder's fee'.     The fee was paid but then the property was un-mortgageable due to various reasons including the incentive being offered.   Having gone back to the agent to ask for a return of the finder's fee - they have refused saying that the incentive does not need to be disclosed and that essentially my broker is useless and I should use theirs!   Their broker also advised it would be hard to get a mortgage with the incentive disclosed which backs up what my broker has said.    This fee will now be kept on account.     I signed a form which confirms that the finders fee is non refundable - which was my error I should have checked if the property was mortgageable beforehand - however I wondered if there was anything I could do because:   The property is un-mortgageable - my broker tried all lenders including those who are happy with the incentive which was offered They have advised to withhold information which is clearly questioned in the mortgage application process   This is not a case of pulling out, this is a case that I cannot get finance and so cannot proceed.   Thanks in advance.
    • Hi all,  just wondering if i could get some help. me and my ex wife decided to get a loan back in 2017....i was continuing paying it but she didn't even though she promised me she would pay it as i agreed to it... and we split up in 2018, i was sectioned under mental health due to her behaviour.  short story... i came out 6 months later and she did not pay anything, my inbox was full, my phone with voicemails. i was not expecting this..... this loan was for £2000,    i tried to call her obviously she changed her phone number and email address, 2020 still not heard anything from her.... sent her letters she choose to ignore it.....   so i thought i come on here.... see you can make a complaint about responsible lending credit search.... behold just got a reply from progressive money....   i've also complained to amigo loans.... that is again she didn't pay anything... checked credit karma £11,876 on £7000 loans... hopefully something comes out of this....  - Summary Resolution Letter .pdf
    • Sorry it was 1250l before shielding he 
    • Is the 1250BR his code from before shielding?   Before shielding, the tax code would have been 1250 as this is the personal amount allowed to earn before tax. It should then have been followed by a single letter. The BR at the end means it is an emergency tax code, and that you receive no PFA, this is usual if you have more than one source of income.  This code means that all the earnings from this income will be taxed.   The 605T code is a temporary code, and shows that your tax is still being reviewed.   The changes in codes is due to the change in circumstances, firstly he was in work, then claiming UC while shielding (unpaid I assume), and then going back to work again.   They should sort themselves out, but you can always sign up to HMRC and keep an eye on the codes yourselves, and query anything with them as well.
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jimbo45

Why is the whole debt collection industry SO INHUMANE and incompetant as well

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Hi there

 

I am totally at a loss to understand why this industry apart from the real scumbags who work in it are so INCOMPETANT.

 

I wrote to the Woolwich in May expaining (and sending a copy of) a new contract where I finally got a job again and was working in France.

 

I said I'd pay all arrears in the middle of July when I get my first payment (first months work for nearly a year BTW).

 

Woolwich agrred -- no problem

 

 

BUT since may I have had 29 letters -- yes 29 saying the account was overdue and I even had a guy attempting to visit my house 4 times -- no chance as I'm in France at the mpment.

 

He finally called me where I explained the situation -- h actually was quite apologetic because he hadn't been informed by the Woolwich of the agreement I had in place.

 

However it doesn't all end so sweetly as the Woolwich are trying to charg me 120 GBP for "attempted home visits".

 

I had an agreement with them -- so what's this B/S they are trying to charge me for --- probably incompetant Indian I.T centres or somthing.

 

Honestly I am getting SO SICK of the antics of the whole debt collection industry -- even when you MAKE an agreement there seems no propect of the other side keeping to it.

 

 

Cheers

jimbo

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Because just like all financial services it is target driven by unintelligent and/or unethical people out to make a fast buck.


Beaten:

RBS: £4,500

AMEX: £4,200

Barclaycard Visa: £12,100

Barclaycard M/Card: £12,600

(Including the numerous DCAs they have set on me.)

PPI reclaims (into my bank account): £25,000

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Because just like all financial services it is target driven by unintelligent and/or unethical people out to make a fast buck.

 

I think you'll find 99.99999% of people on here in totall agrement with you.

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I'd love to see them try to get you to pay for their 'attempted' home visits.

 

Not only is it completely unenforceable, it is tantamount to extortion!


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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does the woolwich still exsist

 

i had an woolwich account and was transfered to barclays

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they employ incompetents

 

So you get incompetence

 

Yes, you pay peanuts, expect monkeys!:D


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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does the woolwich still exsist

 

i had an woolwich account and was transfered to barclays

 

Barclays kept the brand for Mortgages, I think. I'm still bitter Barclays removed my good ol' Woolwich buffer, lol.

 

This is another situation where Truecall would have come in handy...If only the government would give us all a free one. :D

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Sorry, I misread - do you have thier acceptance in writing?

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Unless it is recorded on their systems - and that doesn't always happen even when it is agreed in writing - then the systems are programmed to indicate the next phase of collection and no one intervenes. That's why the collector was unaware of any arrangement - it hadn't been recorded on the system. Sometimes whoever you speak to cannot be ars*ed - it is not their problem and it is nearly coffee time. Financial institutions will always be incompetent - they have allowed the systems to take over and the systems are only as good as their operators, who do as little as possible and get away with it. I have had 2 SAR replies with other people's information - they didn't even check what they were photocopying - idiots - and that happens frequently.

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In answer to the title of this thread: Imagine this, if you will:

 

A dark and dingy office with rows of desks with interchangeable job titles and a push button to access the threatogram.

 

We have to find the 'right' person for the job, so who do we choose?

 

Well, it has to be someone who is totally afraid of any kind of personal contact, and would run away if you faced them in a dark ally.

 

So, who could this be, well just imagine in those rows of desks are manned by people in hoodies, who are 'failed' hoodies on the street due to lack of a spine, can you see it now!!!


Every journey begins with a single step :):)

 

Please note: I have no qualifications in this area - my advice is learned from the wonderful members of this Forum. Thanks to you all for your help.

 

If you have found my post helpful please leave a short message by clicking the star to the left of my profile - Thank You

 

The only person entitled to your Personal Finance details is a Judge not a DCA

 

Move all banking activity to another banking group if you have a dispute - your funds can be used to offset debts within the same group.

Be careful with Banking details (card/account numbers) as these can be used to take unauthorised payments.

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