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    • I've looked up Multiple Encashment Fraud. When they put the chargeback amount back into my bank account, which they did the day I made the chargeback, I spent the cash over the next couple of weeks. I did this because I assumed I would win the chargeback due to the fact that I did everything required to win it. So me spending that cash, according to them is Multiple Encashment Fraud. They are saying I fraudulently made a chargeback so that they would put that amount back into my account so I could spend it, and basically rip the bank off.
    • dca please.?   Barclays would have marked the A/c Defaulted on or before sale, and issued a default notice a dca debt buyer cannot issue a default notice    send Barclays an sar.   the A/c was opened whilst resident in Scotland that means the debt is statute barred and extinguished,, dead gone parrot. though that has no relevance to a credit file.    
    • scan it all up to one multipage PDF read upload carefully   I suspect its the usual stuff they troll out for vanquis card debt those  application forms are not a credit agreement    lots of previous Lowell claimform threads here to read that explains why.   dx  
    • In late 2014, I received correspondence from a DCA acting on behalf of Barclays, pursuing a student overdraft of around £1k from 2003. I hadn't used this account in many years, well over six, and it is my belief (though, in full honesty,   I can't actually remember, and can't prove anything) that it was closed a couple of years later in around 2004/2005/2006 (and it wasn't on my credit file in 2014), and the overdraft transferred to RBS (an account also closed so long ago that it is long since gone from my credit file. I certainly don't recall using it after 2004, and it was quite common then to transfer student accounts/overdrafts between banks.   I emailed the DCA, stating that I didn't acknowledge the debt, that it would be statute-barred in any case, and requested an original credit agreement. None was forthcoming,   after some back and forth, I invited them to issue proceedings if they felt they had an enforceable credit agreement. They did not respond.   I am currently looking at applying for a mortgage, and have noticed that whilst this account doesn't appear on Equifax or Experian, it is on my TransUnion file, showing as set up in 2003 and defaulted in 2015.   Does anyone have any advice as to what I should do? The 2019 Doyle case might make my contention that it was statute-barred somewhat shakier, though, equally, I haven't heard anything about it in over five years,   I cannot believe that, if the account was not closed/settled in the mid-2000s as I believe, that Barclays would not have issued a default notice before 2015. Does anyone have any advice as to what I should do?   I want this off my credit file, even if the account wasn't closed in 2004, I believe that Barclays/its DCA are trying to pull a fast one by recording a default in January 2015, but given that neither party has any records with which to validate their belief/position, it hardly seems fair that I pay out for something that either doesn't exist or ought to be statute barred? A further point is that whilst it is Barclays, the account was opened at a branch in Scotland (where I lived/studied), where I believe that the Limitation period is five years, so, even if it transpired that the default was legitimately in 2015, would the matter now be statute barred anyway? Or would it be six years given that I now live in England?
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backofbeyond

Tax Credits renewal - how long?

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Like most people claiming tax credits I dread renewal time!

 

I sent my declaration off last week (recorded delivery of course!) and it was signed for on 06/07 - just wondered how long it is likely to be until I get my updated award? Rang the helpline today but their automated message said it could take 8 weeks! Just wondered if anyone on here had done theirs by post and had received an award?

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Its the unknown that bothers me (have previously been stung with an overpayment); the checking the bank each week to see whether it is the same amount or whether it has been reduced etc. I mean heaven forbid you would actually get notification by post prior to payments stopping being reduced :wink:

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Its the unknown that bothers me (have previously been stung with an overpayment); the checking the bank each week to see whether it is the same amount or whether it has been reduced etc. I mean heaven forbid you would actually get notification by post prior to payments stopping being reduced :wink:

I can't remember how long I been waiting, but I did get money they own me about two weeks before I received letter from HMRC.

Keep checking your account. Can't you do it online, much easyer?

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My renewal came today. I have been rewarded for back dating and higherweekly payments but being very careful about it. :| So other renewals might be on there way.

Edited by Greer8472

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My renewal came today. I have been rewarded for back dating and higherweekly payments but being very careful about it. :| So other renewals might be on there way.

 

Did you do it by phone or by post? How long ago was that?

 

I know I can't do anything about it but really hate wondering whether my regular payment is going in etc. Like most people I rely on my tax credits payments. I know when we were overpaid before the money just didn't go in and it left us in a terrible mess :violin:

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I do check (every day lol), I am not expecting an underpayment am just very wary about overpayments. The worry of one day my tax credits just not going in (we had this last year). If i had been underpaid that would be a bonus :!:

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Did you do it by phone or by post? How long ago was that?

 

I know I can't do anything about it but really hate wondering whether my regular payment is going in etc. Like most people I rely on my tax credits payments. I know when we were overpaid before the money just didn't go in and it left us in a terrible mess :violin:

 

I filled out my form and sent it through the post ASAP. Went from an estimate to what I did infact earned for the tax year 10-11.

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Right I have called the tax credits office today - very busy and it says they have a back log and you had to put in the date that you sent the form in (no personal details so just a generic date check) it then said to call back 8 wks from the date we sent it in. My question is the 8 wks is past the 31st July deadline and the advert says (and it says on their website) that if you don't renew by this date payments will stop. What happens if my letter (even though it was sent recorded delivery) has gone into the HMRC black hole?!?!?!?!?!

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Personally, I would ring them up and pretend you have not sent the form in.

 

A few years back I posted the form and my money stopped after July as they said they had not received it or there was a backlog, can't remember which. I sent the form in in May and rang up saying I had not heard anything.

 

I always do it by phone now, the lady on the phone said if I had not heard anything by 25th July to ring them back but I think ringing is far better than posting.

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Thanks Hammyhound, yes think I will be phoning in future! Never remember having problems the last few years and I've always posted it! Guess I am just panicing cos of the overpayment we had and don't want to be in the situation of going to bank oneday and no money being in lol :madgrin:

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You know any overpayment is not taken in one lump sum, they will spread it over a year and if you have problems you can ask them to take smaller amounts. They have been deducting an overpayment from me for the last 3 years and obviously it will be for this and next year. I have never had any problems with "nothing in the bank", they only take a small amount of the overpayment each month. They will never leave you short.

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Our overpayment was found out this January and they advised me it had to be paid back before the end of the tax year - it was from 2008/2009. So between Jan and beg of April we had virtually nothing. It just makes me really wary of them that's all.

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