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    • Further, on the 20/9  there was a telephone conversation stating the wish to cancel the contract.  An email from ideal windows on the 22/9 referred to the telephone conversation and questioning why we wanted to cancel over what they said would be . a couple of days. We then reluctantly  agreed to wait until the 20/10 and then again nothing was heard. We telephoned the office on the 23/10 stating  the date that had been agreed  for the work to start had now passed and we wanted our deposit back. Having given them almost a month it feels we have been more than reasonable 
    • The problem is that each time you have given them notice, you have then continued which effectively nullifies the notice. I agree that you have given them enough notice – but each time the notice is effectively cancelled because you continue not standing by your word. I hope you can start to see that when you state a position and then you move the position, you simply lose credibility and effectively you have to begin again. You need to put everything beyond doubt and so you should send the letter which I've suggested.  If you have some partner or someone who was also getting involved then I think that you had better make sure that you are communicating well with each other and that it is agreed that somebody is taking the lead. Otherwise, the left hand will not know what the right hand is doing and it will only be when you find yourself in court and defending a claim for an administrative fee or a council contract that it then comes back to bite you in the bum – both of your bums.. You must give notice in order to protect your position. Very sorry, but the letter which was sent was reckless. Send a letter which I have suggested giving seven days notice and a 14 day backstop for completing the work. Of course there was always one danger and that is that you could give notice, they then start the work within the notice period – and then it starts to dawdle along and take too long. However, giving them 14 day backstop to actually have the work completed should protect your position. Send the letter now. Also calculate if you are within 120 days of the date that you made the payment on your debit card – and if you did then begin a chargeback with your bank. If it's longer than 120 days then you will be able to do the chargeback and then maybe the best thing to do is to write it off – unless they decide to see you and in that case you can make a counterclaim.     This is all very well, but once again you state a position and then you don't follow it through. How can anyone take you seriously?
    • Lookinforinfo, these are two separate letters for two separate tickets, one 07.02.19 and one 03.08.19.   karel, I've added the post code to the thread title to identify the car park better.  It would be helpful if you could edit the sticky, you don't know when the NTKs arrived as you never received them.   The good news is that these debt collectors have no power so you can sit back, relax and ignore their drivel.   In the long term though you might want to consider sending a SAR to Horizon to find out what they originally sent and maybe work out why you never received it.
    • Just in addition, in the beginning we made it very clear we didn't want the work carried out during Autumn and winter, we have a young child at home and are not prepared to put his health at risk.. Also as we had said, to go beyond the specified dates is not feasible as one of the builders has already returned home and the other one has already stayed longer than planned so to start it now wouldn't be an option.
    • it's not a violation, it's a speculative invoice for breaking some imaginary contract the driver made with ECP by driving onto the land.   Enterprise are breaking contract law by charging you £35 as they did not enter into the contract the £35 is a penalty admin and as such is unlawful .   pers i'd go do a chargeback to your bank. they have no legal right to charge anything. all they are required to do is inform the PPC of the ID of tthe driver...you that does not cost £35!! more like 50p    
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    • I came across this discussion recently and just wanted to give my experience of A Shade Greener that may help others regarding their boiler finance agreement.
       
      We had a 10yr  finance contract for a boiler fitted July 2015.
       
      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
       
      It all started mid summer during lockdown when they refused to service our boiler because we didn't have a loft ladder or flooring installed despite the fact AS installed the boiler. and had previosuly serviced it without issue for 4yrs. After consulting with an independent installer I was informed that if this was the case then ASG had breached building regulations,  this was duly reported to Gas Safe to investigate and even then ASG refused to accept blame and repeatedly said it was my problem. Anyway Gas Safe found them in breach of building regs and a compromise was reached.
       
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    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
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      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
       
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      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
       
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
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Desperately need advice


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Hi

Last November my husband and myself were accused of benefit fraud. We were called into housing benefit office and were interviewed seperately, under caution by both housing benefit and pension service.

My husband is 69 years old and I am 49. My husband retired from work at 65 and I have been unwell on and off since 2002 after suffering from cancer. We live in a privately rented house and claimed housing benefit, council tax benefit and hubby also claimed pension credit as we had a short fall in our rent.

I happened upon reborn dolls and began reborning and selling on ebay some time ago, didn't realise I was doing anything wrong to be honest but to cut a long story short, HB and PS said that I was infact running a business and didn't declare it.

We have heard nothing since the interviews until last week when we received a letter from Pension service saying that they were stopping our pension credit as from today 12/7, then today we have received a letter from the Housing benefit who have also said that they are also stopping our HB from today.

We don't know what to do or who to talk to. Any advice much appreciated. Thanks

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No offence but I just googled ebay reborn uk and a few sites appeared and they looked like professional shops to me. You can bid or buy now on every offer, not that I am saying this site is yours, there are a number. On such a site I would exptect them to be vat registered or using ebay as a business rate rather than personal. If so I can understand why they are stopping it. You may find they have accessed your accounts via ebay and can trace transactions etc and thats why they are saying you have not declared a business.

 

You will probably receive an overpayment letter when they have assessed the ammount.

 

On all claim forms it asks for income to be declared.

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No, reborn uk isn't my site, i don't have a website, I simply made reborn dolls from home just like a hobby just as many ladies do, and sold them just to continue my hobby as I needed to buy the supplies for them.

we just need to know where we can take advice now and what will be likely to happen.

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what do we do in the mean time regarding paying rent etc? I no longer make dolls.

Yes, at the interview they did have details of all transactions on ebay and paypal details.

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Glad that ones not yours;) Its the ammount of sales and the undeclard income they would be looking at, normally on benefits they let you keep the first twenty pounds earnt a week and take the rest.

 

Someone better will come along soon to advise. I would have thought you would have to make new claims as soon as possible.

 

ps. Those dollies are cute xx

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Thats where I am not sure, but there is nothing to stop you trying and see what they say. There are some good people on here who work for the dwp and also erika is very knowledgable, You need to make them aware you are not selling anymore and have no income when making new claim.

 

Were you claiming incapacity benefit because of your illness, because if so you would be needing to claim esa now.

Edited by loopinlouie
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Thank you for your replies loopinlouie, No I didn't claim anything personally, not incapacity or anything, hubby just claimed HB, Council tax thingy and pension credit. We have no income now, just hubbies state pension which doesn't even cover the rent.

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No problem. Keep checking back and hopefully someone will have posted what you need to know.

 

I used to love doing cross stitch an addictive hobby, trouble is I never ever finished anything other than henry VIII and hes still misssing his wives, oopps:)

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This comes down to what income you were making and what you told them in the interviews. If you have given them information which would stop the benefits you were claiming then that would certainly be a reason to stop them.

 

You should reclaim now though. The information you provide now will be different to the information during the time you were selling the dolls.

 

Can you give me an idea of the average income you were receiving selling the dolls?

 

Also over which period you were doing it?

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I'll leave it to far better people than I to give you best advice. It is though a salutory lesson to people on benefits who have a hobby they enjoy. It's easy to lose sight of what you're doing, that someone else may see that hobby as a business.

This may sound facetious, but it's actually not meant to be - quite the reverse - but as you were making these dolls and selling them on ebay (to an extent that attracted DWP attention) - maybe that's telling you something. Maybe you should really start it as a business...

Best wishes and good luck.

Rae

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maybe that's telling you something. Maybe you should really start it as a business....

Rae

 

nice idea Kelcou

 

Could be a winner "itsapain" and good money spinner

 

 

:)

 

 

dk

:welcome::rofl::welcome:

 

 

 

 

 

[sIGPIC][/sIGPIC]

 

 

 

:tea:

 

 

 

most of my knowledge is from the school of hard knocks

 

not based on any legal background

 

As quite a lot fellow caggers state seek Legal Advice

 

 

:ranger:

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Hi Tailspin, How did you come to their attention? It really is worrying how much of our personal information is available to 3rd parties.

I sell the odd thing on Ebay, clothes and books sometimes. I have so many books that I could sell them for a month but would that count as income or a business, I wouldnt be buying them to sell.

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Hi Tailspin, How did you come to their attention? It really is worrying how much of our personal information is available to 3rd parties.

I sell the odd thing on Ebay, clothes and books sometimes. I have so many books that I could sell them for a month but would that count as income or a business, I wouldnt be buying them to sell.

 

Hi cbbc. I can't quote you chapter and verse, but I would hope that selling something you already own wouldn't normally be income. Maybe the difference for our OP is that she's 'added value' to what she sells and that it was a regular thing.

 

I think I'll stop waffling :confused: and check what's on the HMRC website.

 

HB

Illegitimi non carborundum

 

 

 

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Right, I checked HMRC's website. It's a while since I had any dealings with this, but I think what cbbc is saying comes under Capital Gains Tax. This is the 'exempt' list from HMRC.

 

 

Some assets aren't liable to Capital Gains Tax at all because they’re exempt. These include:

 

  • your car
  • personal possessions worth up to £6,000 each, such as jewellery, paintings or antiques
  • stocks and shares you hold in tax-free investment savings accounts, such as ISAs and PEPs
  • UK government or ‘gilt-edged’ securities eg National Savings Certificates, Premium Bonds and loan stock issued by the Treasury
  • betting, lottery or pools winnings
  • personal injury compensation
  • any foreign currency held for your own or your family’s personal use outside the UK (eg if you've made a gain because of a change to the exchange rate)

So I don't think we need to worry about selling possessions, but the Revenue are always on the lookout for people who are 'trading', as in buying items to sell on for instance, as I understand it.

 

HB

Illegitimi non carborundum

 

 

 

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Hi Insyder,

I'm not sure of an average income over time and they haven't given me a figure of what is owed back to them. We just told the truth at the interviews and I had been reborning since 2007.

 

Hi Kelcou,

This is the problem here, I'm not sure where or when a hobby becomes a business, I guess in hindsight I should have looked into this but didn't think about it at the time. I didn't try to hide anything, even had my name and address on my ebay 'me' page.

Starting as a business scares the living daylights out of me, i know nothing about running a business and don't think I would have made enough money to pay all the bills.

 

Hi Dragonkeeper

As I said above, I don't think my reborning would cover all the bills.

 

Hi CBBC

I'm not sure how we came to their attention, could have just been through my ebay listings. Not sure what the rules are on selling on ebay.

 

Hi Honeybee

Thank you for finding that info but it still all confuses me. What a nightmare!!!

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'Hi Honeybee

Thank you for finding that info but it still all confuses me. What a nightmare!!!'

 

I know. I don't know anything much about Housing Benefit and how income impacts on that. I understand more [not a huge amount] about income and capital gains taxes.

 

My best, HB

Illegitimi non carborundum

 

 

 

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Thats where I am not sure, but there is nothing to stop you trying and see what they say. There are some good people on here who work for the dwp and also erika is very knowledgable, You need to make them aware you are not selling anymore and have no income when making new claim.

 

Were you claiming incapacity benefit because of your illness, because if so you would be needing to claim esa now.

 

 

Are the people on here you say work for the DWP, spies:?:

Just wondered if it is safe to post on here or not. Don´t want my updates falling into the wrong hands :)

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Are the people on here you say work for the DWP, spies:?:

Just wondered if it is safe to post on here or not. Don´t want my updates falling into the wrong hands :)

You are joking I hope GS, the real spies wouldn't come on here and tell you the name of their employer, would they now?

to_keep_order.gif

Regards, Paul.

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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Are the people on here you say work for the DWP, spies:?:

Just wondered if it is safe to post on here or not. Don´t want my updates falling into the wrong hands :)

Your updates are visible to anyone who has an internet connection! You don't have to be a member of CAG to read posts, anyone could be reading them :p

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You are joking I hope GS, the real spies wouldn't come on here and tell you the name of their employer, would they now?

to_keep_order.gif

Regards, Paul.

 

Yeh, but they don´t give their real names do they, so how do you know whos who. I mean do you think my mother christened me "Goldensyrup" . Can you imagine the laughs around the font :p

 

You could be an undercover agent for ATOSH, I could be the Chief Executive of the DWP, waiting for some easy pray ;)

 

By the way, where do you get your little Smilies from, my choice is pretty crap. I WONT YOURS NOW

 

GS x

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