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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?
    • Thank you so much for explaining that to me much appreciated 
    • 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,  
      I was in Sainsbury’s today and did scan and shop.
      I arrived in after a busy day at work and immediately got distracted by the clothes.
       
      I put a few things in my trolley and then did a shop.
      I paid and was about to get into my car when the security guard stopped me and asked me to come back in.
       
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      I was mortified and said I forgot to scan the clothes and a conditioner, 5 items.
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      No excuse.
      I offered to pay for the goods but the manager said it was too late.
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      They rang the police anyway and they came and issued me with a community resolution notice, which goes off my record in a year.
      I feel terrible. I have to declare this to my employer and NMC.
       
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      • 16 replies
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Hello,

 

I have a number of outstanding debts which I haven't dealt. I've chosen to burry my head in the sand and ignore them. I'm now trying to address them and have spent the past 2 days researching on this forum how to proceed.

 

I have a couple of questions that I hope somebody on here can answer.

 

I couple of the debts are approaching the 4.5 yr mark without payment or contact so will be statued barred in 1.5yrs. All but one has dropped of my credit file because they defaulted over 6yrs ago.

 

1) Can a send a SAR request or a CCA request without resetting the clock on the SB?

 

2) I have an outstanding balance with one firm for approx £20k, have not made any payments since 2007 and only correspondence I have received in relation to it is an annual statement. Nothing asking for repayment. Any ideas why they are not chasing?..

 

look forward to seeing your responses..

 

 

thanks

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Hi problem

 

Welcome to CAG

 

1) I believe what would reset the clock are any payments or acknowledgements of the debts. So you might be tempting fate by requesting SAR's and CCA.

 

2) There might be a few reasons, may be it's unenforceable.

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thanks for your response rebel11,

 

I was thinking the same, that it might be unenforceable, but I have no way of knowing for sure without making further enquires.

 

If a wrote requesting SAR, all I'm asking for is information they hold on me. I'm not acknowledging the debt, or I'm I?

 

As for the debt being unenforceable, would anybody be able to give me any indication of whether or not is is if I post details of the company and when the credit was taken out?

 

thanks.

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thanks for your response rebel11,

 

I was thinking the same, that it might be unenforceable, but I have no way of knowing for sure without making further enquires.

 

If a wrote requesting SAR, all I'm asking for is information they hold on me. I'm not acknowledging the debt, or I'm I?

 

As for the debt being unenforceable, would anybody be able to give me any indication of whether or not is is if I post details of the company and when the credit was taken out?

 

thanks.

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Hi if you are not being bothered by them I would hold hard until you have to do something.

 

dpick


cannot find it A to Z

 

http://www.consumeractiongroup.co.uk/forum/consumer-forums-website-questions/53182-cant-find-what-youre.html

 

 

Halifax :D

Paid in full £2295

 

MBNA:mad: 20/03/2008 settled in full out of court

 

Capital One:D

07/07/2007 Capital one charges paid in full £1666

19/01/2008 recovered PPI £2216 + costs

 

Littlewoods :-D

12/08/2007 write off £1176.10 debt.

 

JD Williams charges refunded in full £640

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thanks for your response rebel11,

 

I was thinking the same, that it might be unenforceable, but I have no way of knowing for sure without making further enquires.

 

If a wrote requesting SAR, all I'm asking for is information they hold on me. I'm not acknowledging the debt, or I'm I?

 

As for the debt being unenforceable, would anybody be able to give me any indication of whether or not is is if I post details of the company and when the credit was taken out?

 

thanks.

 

This wouldn't really help. What we really need to see is a copy of the agreement with all personal details removed. TBH I would not risk SAR or CCa on any of them - why tempt fate? If they have ignored you this long you're not only very lucky, but close to them being SB.

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