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    • More than 364,000 cases of fraud were recorded to the National Fraud Database in 2019 - the highest ever recorded View the full article
    • If its a domestic address and a normal account, thought they could only bill who is on the Tenancy agreement or Mortgage, as isn't a Tenancy in Common. if Joint tenancy and other party gone, didn't think children who have gained majority can be held liable, as not on any paperwork, apart from Electoral roll.  Is a Lodger liable?
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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.
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hi all, my situation is that i have recieved final demand stating if i dont pay in full immediately, my premises will be visited and services cut off/pre payment meter fitted at a cost of £250 to me.

 

I have rung them to set up payenet plan, but they have refused and want all, which i cannot afford.

 

Question is, do they have to apply to court for a warrant to do this, and how long will it take, as i will prob be able to clear in 2 more months.

 

When should i expect a knock at the door, and do i have to allow entry without a warrrant?

 

many thanks

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Hi - a friend was in a similar position to you last year. They company wouldn't agree to a repayment plan and went for a warrant and came and changed the metres. I know that she was charged quite a bit - at least £250. The debt is then added to the metres so that each time you top up your card/key a certain amount goes towards the debt. Why don't you ring them and say that you'd be happy for them to come and change the metres without going to court. That way you would at least save having to pay further court fees (which again would be added to the outstanding debt and collected through the metre).

 

They cannot enter your home without a warrant, but they will go for a warrant and if you don't let them in, they will enter anyway.

 

Hope this helps.

  • Haha 1

jaxads

 

Halifax - £2281, successfully refunded all charges after LBA letter & telephone call.

Have been offered the difference between the £20 and £12 charges from Capital One -- am sending LBA for remainder.

GE Money - Received settlement of £441, being total charges requested. No interest though.

CCA'd Bank of Scotland / Blair Oliver Scott to produce CCA Agreements on two Credit Cards - well in default, although still chasing payment!!!

EOS Solutions "ceased action on account" on behalf of a friend.

 

All in all, quite busy at the moment and enjoying every minute of it
:eek:

 

 

 

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Definitely request meters before the account gets to warrant to prevent further costs.

 

Most of the time prepay is the same cost as paying on demand on a quarterly invoice. Prepayment gives you the flexibility to pay a negotiated amount each week towards the arrears, normally £5 per fuel, or £3 if you are on benefits.

 

Dont forget that even if you could clear your existing balance within 2 months you will most likely have another invoice by then, which will also require immediate payment

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As Nottslad says if you cant pay the full balance ask to have prepayment meter fitted. They will arrange a time and date to fit it, and i think in most cases it is free.

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