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    • I apologise if I was being unclear. Where it currently stands is that they will have it repair, placing scaffolding in our garden for 5 days. They have moved fast, but we will still have to postpone our contractors, meaning, we won't necessarily have the work done in time for the wedding and therefore will incur additional expenses for either a marquee or a wedding venue. They are vehemently against having any kind of liability in any regard but continue repeating that they are legally entitled to use our garden for their repairs (I believe this is true unless the work can be carried out using a cherry picker). The neighbour seems either indifferent or oblivious to the fact they can't reach all of the side of the roof from the space where they can place the scaffolding. They have asked their roofer of choice about using a cherry picker but the roofer has said it wasn't possible. It's not clear whether the roofer doesn't want to use a cherry picker or whether there is an issue with it. They have told us it is a problem that we are installing a gazebo as it will prevent them to access their roof from our garden in the future?!?  
    • Couldn't agree more, really wanted a true ruling on this just for the knowledge but pretty sure the Judge made some decisions today that he didn't need to?.. maybe they all go this way on the day? We hear back so few post court dates I'm not sure. Each Judge has some level of discretion. Their sol was another Junior not even working at their Firm, so couldn't speak directly for them! that was fortunate I think because if she would have rejected in court better, she might have  been able to force ruling, we are at that point!, everybody there!!, Judge basically said openly that he can see everything for Judgement!!!  but she just said "I can speak to the claimant and find out!" - creating the opportunity for me to accept. I really think the Judge did me a favor today by saying it without saying it. Knowing the rep for the sol couldn't really speak to the idea in the moment. Been to court twice in a fortnight, on both occasions heard 4 times with others and both of my claims, the clerk mention to one or both parties "Letting the Judge know if you want to have a quick chat with each other"! So, it appears there's an expectation of the court that there is one last attempt at settling before going through the door. So, not a Sol tactic, just Court process!. Judge was not happy we hadn't tried to settle outside! We couldn't because she went to the loo and the Judge called us in 10 minutes early! - another reason to stand down to allow that conv to happen. Stars aligned there for me I think. But yeh, if the sol themselves, or someone who can make decisions on the case were in court, I would have received a Judgement against today I think. She was an 'advocate'.. if I recall her intro to me correctly.. So verbal arguments can throw spanners in Court because Plinks dogs outsource their work and send a Junior advocate.
    • that was a good saving on an £8k debt dx
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    • "We suffer more in imagination than in reality" - really pleased this all happened. Settled by TO, full amount save as to costs and without interest claimed. I consider this a success but feel free to move this thread to wherever it's appropriate. I say it's a success because when I started this journey I was in a position of looking to pay interest on all these accounts, allowing them to default stopped that and so even though I am paying the full amount, it is without a doubt reduced from my position 3 years ago and I feel knowing this outcome was possible, happy to gotten this far, defended myself in person and left with a loan with terms I could only dream of, written into law as interest free! I will make better decisions in the future on other accounts, knowing key stages of this whole process. We had the opportunity to speak in court, Judge (feels like just before a ruling) was clear in such that he 'had all the relevant paperwork to make a judgement'. He wasn't pleased I hadn't settled before Court.. but then stated due to WS and verbal arguments on why I haven't settled, from my WS conclusion as follows: "11. The Defendant was not given ample evidence to prove the debt and therefore was not required to enter settlement negotiations. Should the debt be proved in the future, the Defendant is willing to enter such negotiations with the Claimant. "  He offered to stand down the case to give us chance to settle and that that was for my benefit specifically - their Sols didn't want to, he asked me whether I wanted to proceed to judgement or be given the opportunity to settle. Naturally, I snapped his hand off and we entered negotiations (took about 45 minutes). He added I should get legal advice for matters such as these. They were unwilling to agree to a TO unless it was full amount claimed, plus costs, plus interest. Which I rejected as I felt that was unfair in light of the circumstances and the judges comments, I then countered with full amount minus all costs and interest over 84 months. They accepted that. I believe the Judge wouldn't have been happy if they didn't accept a payment plan for the full amount, at this late stage. The judge was very impressed by my articulate defence and WS (Thanks CAG!) he respected that I was wiling to engage with the process but commented only I  can know whether this debt is mine, but stated that Civil cases were based on balance of probabilities, not without shadow of a doubt, and all he needs to determine is whether the account existed. Verbal arguments aside; he has enough evidence in paperwork for that. He clarified that a copy of a DN and NOA is sufficient proof based on balance of probabilities that they were served. I still disagree, but hey, I'm just me.. It's definitely not strict proof as basically I have to prove the negative (I didn't receive them/they were not served), which is impossible. Overall, a great result I think! BT  
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Tax Credits Review regarding income details, so so scared


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Hi hope your ok! I don't really want to advice you either way as I'm in a diff situation with tax credits. I think it's good you went to see your GP as your health is more important!

 

I contacted citezens advice an waiting for them to call me back to hopefully get an app. Perhaps you should give them a call as I know they deal with a lot if tax credits issues!

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Unfortunately it sounds like your gp missed the point as many do! If you do not feel he/she gave you proper advise please do take yourself to a&e and ask for the mental health team they really can help. Also you can contact mind.co.uk who can offer brill advice and reassurance. I dont think you are in any state to be handling tax credits alone and an advocate can act on your behalf. Again mind can offer advice on local advocacy services

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Hi, im in exactly the same position as u, wrong income didnt know i had to declare husbands car etc... i got the letter late november and like u was worried sick, i phoned them the next day and told them that the figures they had were right and i was wrong...the woman n the phone said she would pass it on and not worry..anyway, i thought abit about the figures they had and i asked husbands company to send me the amounts for the fuel benefit/car benefit etc...she sent me the form they send off to the hmrc ever year to declare this...and on reading it, the tax credit hmrc are near on 2000 pound out each year (they are going back 2009/2010 and 2010/2011) so im waiting to hear what they come back with before i write to appeal they have the wrong figures aswell, to top it off my hubby got some letter through the other day about his tax, the hmrc have gotten his amounts for fuel etc wrong an now hes having to go on a higher tax bracket to pay back 2000 odd pound, so not only are they going to sting me roughly 9000 tax credit over payment also we are going to pay back nearly 2000 back in tax from my husbands wages......i cant see how the same place who get sent forms each year with the correct figures on them get so much stuff wrong..anyway all im saying is check that they have the right amounts etc before telling them anything. plus i still havent heard back from the compliance team about all of this, so nearly 3 months on and im none the wiser, as someone said before u are not alone in this mess, there is plenty of people in the same boat.

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Hi hope your ok! I don't really want to advice you either way as I'm in a diff situation with tax credits. I think it's good you went to see your GP as your health is more important!

 

I contacted citezens advice an waiting for them to call me back to hopefully get an app. Perhaps you should give them a call as I know they deal with a lot if tax credits issues!

 

Did you speak to CAB yet? What did they say? I keep having 3 options running through my head at the moment - Call CAB, send letter to TC or wait for TC to ask for info or just change the award they know is wrong?

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Hi, im in exactly the same position as u, wrong income didnt know i had to declare husbands car etc... i got the letter late november and like u was worried sick, i phoned them the next day and told them that the figures they had were right and i was wrong...the woman n the phone said she would pass it on and not worry..anyway, i thought abit about the figures they had and i asked husbands company to send me the amounts for the fuel benefit/car benefit etc...she sent me the form they send off to the hmrc ever year to declare this...and on reading it, the tax credit hmrc are near on 2000 pound out each year (they are going back 2009/2010 and 2010/2011) so im waiting to hear what they come back with before i write to appeal they have the wrong figures aswell, to top it off my hubby got some letter through the other day about his tax, the hmrc have gotten his amounts for fuel etc wrong an now hes having to go on a higher tax bracket to pay back 2000 odd pound, so not only are they going to sting me roughly 9000 tax credit over payment also we are going to pay back nearly 2000 back in tax from my husbands wages......i cant see how the same place who get sent forms each year with the correct figures on them get so much stuff wrong..anyway all im saying is check that they have the right amounts etc before telling them anything. plus i still havent heard back from the compliance team about all of this, so nearly 3 months on and im none the wiser, as someone said before u are not alone in this mess, there is plenty of people in the same boat.

Oh, you poor thing. I do feel a little better knowing I'm not alone (although would much prefer none of us to be in a mess). Just kinda wish someone would just say - do this or that/ I did what you did and this happened...

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Hi no I havnt heard back from tax credits although they did say it could take up to 48 hours. I'm not a tax credits expert and don't really know how they operate in different situations! I owe them a lot of money so it's not good for me although I have not been charged a penalty (that I know of) my circumstances are diff in that there are certain things I do not have evidence to prove wheras yours is only about income details which I think is a common thing people make mistakes with.

 

I would contact can as it might help to talk it through with someone face to face who has experience in dealing with it. Some advisors can even advocate on your behalf to talk to tax credits if you feel you can't. Cab are confidential anyway so worth calling them and it may put your mind at ease a bit!

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So so tired, got fuzzy head. Call cab later. Want it to all end.

 

Good idea. They have heard it all a thousand times over & will hopefully be able to put your mind at rest a bit. Be careful, if you go out I mean, if you drive. That fuzzy head is awful. When I went to CAB at the time I literally parked the car & walked to CAB, didn't even cross my mind to go to the machine & buy a ticket, came back & had a parking ticket on the windscreen. 60 pounds fine. Your head is just completely somewhere else.

Let us know what they say.

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i had the same letter just before christmas and i panicked too , it was my fault i had worked my husbands pay out wrong for last year, i rang the number on the letter but no-one ever answered so i sent them a letter saying that yes the info they had was correct and that i had made a huge cock up, ive been panicking for the last few weeks thinking i was going to have no money , then yesterday when my CTC went in it was slightly reduced and then i recieved an amended award notice. basically saying that i wasnt due any tax credits but they would pay me x amount till april them my payment would be x amount and that i would owe them £1200 which would be taken off over the next years award it works out about 25% of my weekly payment , which yes is a big loss but know where near as bad as i was imagining

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Sososcared - I had thought you agreed with their calculation but if there are other years involved that are not on that letter, then you do need to declare that. If you don't and they find out later,(and they will eventually via their data scans) they will take a more serious stance on the fact that you are now aware and should have declared the previous years when given the opportunity.

My advice is based on my opinion, my experience and my education. I do not profess to be an expert in any given field. If requested, I will provide a link where possible to relevant legislation or guidance, so that advice provided can be confirmed and I do encourage others to follow those links for their own peace of mind. Sometimes my advice is not what people necesserily want to hear, but I will advise on facts as I know them - although it may not be what a person wants to hear it helps to know where you stand. Advice on the internet should never be a substitute for advice from your own legal professional with full knowledge of your individual case.

 

 

Please do not seek, offer or produce advice on a consumer issue via private message; it is against

forum rules to advise via private message, therefore pm's requesting private advice will not receive a response.

(exceptions for prior authorisation)

 

 

 

 

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Hello again Sososcared,

 

Take a deep breath and start again. From my understanding your award has been "selected for review" as they have information from your 2011 award that is different from the income you declared? I understand that you are worried that you now realise the last 3 years has been incorrect, but that the HMRC has not yet asked about these 3 years. As ErikaPNP rightly pointed out you only have to declare what has been requested, but they are giving you an opportunity to put things right - they know what your actual income was, and will know for the last 3 years as I found out when my award was selected for review as they receive the info direct from employers at the end of the tax year - it is only when they chose to investigate a claim that they look back to check their figures. As they have only asked about 2011 you only have to answer to 2011, HOWEVER they will look back once a case has been opened and if you choose not to volunteer info now they may enforce harsher penalties.

 

As I have stated before, I really do not think you are in the right frame of mind to be dealing with this alone and an advocate will be able to deal with the HMRC on your behalf. From your original posting you said that you were given until 20th Jan to respond - that gives you 1 day to at least contact them via the phone and let them know that you are seeking an advocate; this will count as contact and they will give you more time. If you do nothing and do not contact them the problem will not go away and will only make your mental health more fragile with worry.

 

You said previously that you "have gone through everything and made a list of my working out to show them how I came to the figures I did. Its amazing the amount of paperwork I had around the house, P60s everywhere - old handbags, carrier bag lodged in the back of a cupboard etc. Think its time to seriously sort this out and get a file or something. I just put stuff somewhere thinking, 'I'll do that at the weekend/next week - and never get to it". It does not seem that you have done anything with the info, you MUST PHONE THEM TODAY and let them know you need more time to find yourself an advocate. After that phone call, please contact Mind if you have not done so already and you will be glad that you did.

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Guys!!! I did it - I called them, broke down but nice person on phone was really nice and calmed me down. Said he would pass on the info, to stop the panicing as I had done the right thing and my award would be amended for 2011/12 and the person on my case would contact me.

Only called them to say they would hear from me by letter or advocate (change my mind on way home :-/). just seemed like - I'd got that far so just say it! Got to say, still s****** myself but at least I have made a step in the right direction. It's going to be a long road but at least I'm starting to go in the right direction (at the moment anyway). Will never not check, double check and get a friend to check again. it just isn't worth it!

I know I would not have made it this far without this forum and can't thank you all enough. I will keep you updated of the progress of my case. xx

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Brilliant, there ya go, those people have heard it all before & worse, the worst that will happens is having to pay it back!

I spoke to tax credits again today & the guy was saying it's always best to over estimate your earnings to avoid over payments, better to over estimate then they'll give you more next year (I hope) they have based my award on less than I am earning, as I dropped my hours in sept last yr & I get about 10 quid less a week tax credits than I should be, but apparently they add it on next year. Unless I let them know the right earnings now, but I am worried i'll get it wrong & owe them, so going to leave it.

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I bet you feel a huge sense of relief, well done.

My advice is based on my opinion, my experience and my education. I do not profess to be an expert in any given field. If requested, I will provide a link where possible to relevant legislation or guidance, so that advice provided can be confirmed and I do encourage others to follow those links for their own peace of mind. Sometimes my advice is not what people necesserily want to hear, but I will advise on facts as I know them - although it may not be what a person wants to hear it helps to know where you stand. Advice on the internet should never be a substitute for advice from your own legal professional with full knowledge of your individual case.

 

 

Please do not seek, offer or produce advice on a consumer issue via private message; it is against

forum rules to advise via private message, therefore pm's requesting private advice will not receive a response.

(exceptions for prior authorisation)

 

 

 

 

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I do feel a little better thank you ErikaPNP. Have had a letter today acknowledging that I agree with their details and they will amend my award accordingly... Just got to wait to see what that is going to be... Looking for a second job now to try and get to a point of not needing TCs at all but be able to pay back what I owe. Chances?! Not much!! Will keep updating as and when I hear anything xx

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I do feel a little better thank you ErikaPNP. Have had a letter today acknowledging that I agree with their details and they will amend my award accordingly... Just got to wait to see what that is going to be... Looking for a second job now to try and get to a point of not needing TCs at all but be able to pay back what I owe. Chances?! Not much!! Will keep updating as and when I hear anything xx

 

You have my sympathies, I did that to avoid claiming housing benefit after the nightmare I had with them, I owe about a grand on a credit card now after a year, but no arrears with rent & considering all things, that isn't bad I guess & I sleep better! x

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I had one of these at the beginning of the week, it's pretty bad though. They never acted when I told them I had restarted work a couple of years ago so they assumed I was on benefits for the last 2 years. They've overpaid over £10,000. It was our fault for not noticing they were using benefits income (although the previous years income was listed below this in the same column and at a glance we saw that and it looked ok to us. Basically we didn't check thoroughly enough and they didn't make the change we told them about.

 

I honestly don't know why they can't just look up the information on income that they already have because 1) they use it for the review and 2) they are claiming back tax from me I didn't pay for a taxable benefit last year (due to my company making a mistake).So they have the information on our earnings already there then waste time and paper asking me to tell them it each year.

 

Anyway I'm abotu to call and explain it. At the best though we'll be £143 per WEEK worse off because we no longer qualify for any of the tax credits, and we'll have to pay it back somehow, and the tax repayment this year is £200/month and a possibly penalty.

 

It's so annoying because I've just got back on track after having years of not managing financially. But as it's at least half my fault I have to deal with it....

If you found this post useful please click on the scales above.

 

Egg - £400 - Prelim sent. On hold.

Mint - On the list Est £800

GE Capital - On the list (3 accounts!) Est £4000

 

MBNA - £545 Prelim sent 13/11/2006

LBA sent 1/12/2006

£350 partial payment received 18/12/2006.

Full settlement received 20/1/07

 

NatWest - Est £4000 not incl interest

Data Protection Act Sent 10/1/07

Statements received 24/1/07

Prelim sent 3/2/07

Full Settlement received 22/2/07

 

The contents of this post are the sole opinions of The Cornflake and not necessarily the opinions of any other members of this group. They do not constitute sound legal or financial advice and if in doubt you are advised to seek advice from a qualified professional

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P.S. sorry for hijacking your thread - I've started a new one now :)

Edited by thecornflake

If you found this post useful please click on the scales above.

 

Egg - £400 - Prelim sent. On hold.

Mint - On the list Est £800

GE Capital - On the list (3 accounts!) Est £4000

 

MBNA - £545 Prelim sent 13/11/2006

LBA sent 1/12/2006

£350 partial payment received 18/12/2006.

Full settlement received 20/1/07

 

NatWest - Est £4000 not incl interest

Data Protection Act Sent 10/1/07

Statements received 24/1/07

Prelim sent 3/2/07

Full Settlement received 22/2/07

 

The contents of this post are the sole opinions of The Cornflake and not necessarily the opinions of any other members of this group. They do not constitute sound legal or financial advice and if in doubt you are advised to seek advice from a qualified professional

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