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    • Hi With the Section 21 Notice I do hope the Landlord issued you with: Energy Performance Certificate (EPC) for the Property How to Rent Guide A current Gas Safety Certificate (if gas in the Property) If above have not been provided to the Tenant by the Landlord then they can't use a Section 21 Notice until the above have been provided (note you don't warn the Landlord of this until but put it in your defence) Have a good read of this link: Evicting tenants in England: Section 21 and Section 8 notices - GOV.UK WWW.GOV.UK Information for landlords in England on tenant eviction: assured shorthold tenancies, including eviction notices, Section 21, Section 8, accelerated possession, possession orders, bailiffs  
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    • Date of issue –   13 may 2024 AOS date 31st may defence filing date 14th june plenty of lowell card claimform threads here use our enhanced google searchbox Lowell card claimform id be reading at least 5-10 threads a day. do NOT MISS your defence filing whatever happens.  
    • Hello All,  I’m hoping someone can help me urgently here. Firstly, I’d like to say I have read multiple other threads and have some what an idea of what I should be doing, however my case might be slightly different so coming with my own questions here.    my situation is I lived in Dubai and had a credit card and a loan, loan with HSBC and credit card with Emirates (or the other way round), I lost my job and was forced to leave the country as I was staying in the country on my companies visa.    since coming back, after a few years 2 different debt collections agencies have been approaching me (one being IDRW and the other J&P). I’ve never answered IDRWW and they constantly chase me by calling and messaging me and my employer. My current company is ok with this as I explained the situation but I’m soon to be joining a new company who definitely won’t be ok with being messaged and called. I’m afraid to continue to ignore them as they may message and calm the new employer as they have before and I’ll lose my job. However, it seems clear from these forums that dealing with the debt collection agencies is never a good idea. You shouldn’t agree to the amount or pay anything.    j&p caught me on my phone but I still haven't sent them any money or confirmed the amount they’re saying is owed, they keep pushing to pay off the “principal” amount by making monthly payments, from reading these forums it seems like if I make one of those payments (they have provided bank details for ENBD), then it’ll just be paying off interest and not actually clearing the principle debt and the bank won’t even approve receipt of payment or that it’s coming off principle.    this is my predicament as ignoring them might not be an option if they chase my new employer. Maybe there’s a way to ensure the debt collection agency don’t contact my new employer?? I don’t know? Massively appreciate peoples help here. Thanks, 
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Tax Credits Review regarding income details, so so scared


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Was your letter from compliance team? Mine was which meant I had to provide them with info they had asked for, childcare contracts, bank statements, utility bills etc. If they have not asked you then I would call them up to ask them to clarify. It sounds like you have made a genuine error so best to speak to them and give them your income details as it will prob be amended in April anyway!

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I have declared the wrong income for the last 3 times so don't think its going to be that simple. Mine was from a compliance officer but just says if they don't hear from me thay will amend my award withthe info they have??

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Maryj's compliance review is looking at something entirely different to yours, so it isn't dealt with in the same way.

 

You are not required to provide any information unless you want to do so voluntarily. Yours is an 'income enquiry' by the compliance team, which is fairly straightforward.

 

Maryj's is a compliance 'examination' which means that they needed her to send information to them to review her entire claim.

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 have to make a decision as this keeps going round in my head. Its so hard, I've drafted a letter explaining all but don't know if I should send it or wait to see what happens??? See if they ask for anything and if they do then disclose all??? Its not that I don't want to pay it back, I do - I'm just so very scared of the outcome. I've also made a list of my income and outgoings. Should I give them that information or again wait for the outcome. Feel like disappearing, I'm so stupid!!!

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Yes that is correct although it was an enquiry for 1 year and a review for another. I think they are wanting you to clarify your income details as it doesn't match what they have. They will have your correct income so you will just have to say you have made a mistake which was ignorance on your part and not intentional as it sounds like you have been unclear about your increase etc. They will prob want to recalculate to work out any overpayment.

 

All you can do is phone to give correct income and I'm sure if they want further info they will ask. From what I have read on here it is best to speak to them so you can match up the info they have and then your award will be sorted out.

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If the income that they have stated they hold for you in the letter is correct, you do not need to contact them, they are not requesting disclosure. Only contact them if the income they hold for you stated in the letter is incorrect, or if they contact you later asking you to provide information.

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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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Thank you so so much ErikaPNP, you have been a tremendous help to me. I can't thank you enough for you advice. I will keep you informed of any outcome/developments. Fingers crossed all will be ok!

 

Thank you to everyone for their support in this. I don't think I could cope at all without you. Not that I'm coping well but am better than I would have been on my own!!!

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If it says in the letter that it is about income for 2011 then just give them what it is for this year as they have not asked for anything else so don't assume they have it wrong for past 3 years.

 

Good luck with it and keep us posted

 

x

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If it says in the letter that it is about income for 2011 then just give them what it is for this year as they have not asked for anything else so don't assume they have it wrong for past 3 years.

 

Good luck with it and keep us posted

 

x

 

As I said earlier, you do not have to contact them, or give them anything unless they ask for it or you disagree with the income figure they say that they hold. Maryj, I know you mean well but please do bear in mind that sososcared's case is very different to yours; it's an entirely different type of enquiry. Benefit issues are never a one-size-fits-all. What is applicable in your case, is not necessarily applicable in another tax credit case. The wrong information, however well meaning can be extremely damaging to a person's case.

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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So I wait and see what they come back to me with... Hope they just amend my award to what it should be and ask for overpayment to be paid for year 2010-11 and for what ever has been overpayed this year...

 

That has to be your decision. They are not asking you for anything more at this stage are they. As long as they have the correct details for 10/11, they're asking you to let them know if they haven't got that right. If they are assuming you earnt more than you actually did in that year, you need to let them know, or they could amend things in the wrong direction hun!

Glad you're feeling better today though. I know exactly how you're feeling & the awful thoughts that go through your head are enough to send your blood pressure souring. It's going to be fine though, it just doesn't seem that way at the moment. Hang in there & stay strong & you'll know what I mean in time.

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They have got the right details for 2010-11 due to them finding them, not me telling them. My declared income was different which is why they wrote to me (I gave wrong income on declaration). No they haven't asked for anything else at the moment. When I've looked back through the papers I've found I have discovered my declared income has been different than my actual income for the past 3 declarations (2009, 10 &11).

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I think the docs is a good idea. I had some Diazapam at the time & it did help. The doc gave me about 10 pills that's all. Mind still races but I figured it would have been even worse without. You'll just make yourself ill if you don't sleep & stress constantly x

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Speaking as a psych nurse the doctor is most certainly priority. Reading all your posts it would seem you have other issues and the tax credits has been the last straw? If you are having thoughts to harm yourself you can also go to your local a&e for help as many areas have an outreach team that work from a&e. You are not alone and once you have help they will also be able to help advocate between you and the tax credit office but your priority must be yourself first

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I've got citalorpam - apparently for depression and help with panic attacks... Read info and yeah, can take a month or so!! He was nice but wouldn't give me sleeping tabs as worried what I'll do with them in my unstable condition

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I've got citalorpam - apparently for depression and help with panic attacks... Read info and yeah, can take a month or so!! He was nice but wouldn't give me sleeping tabs as worried what I'll do with them in my unstable condition

 

 

My bro is on those, they're good. I was given them years ago but couldn't take them as I got freaky side affects after 2 days. Very rare though. Hope they make you feel a bit better xx

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Oh, what side effects?

 

Not a common one hun, I just had strange burning sensations going through my body & feeling feint. I just found it scarey as it was in the middle of the night. Was told they would pass after a couple of weeks but my kids were real young then & I couldn't face having that for 2 weeks! My bro didn't have side affects, no one that I knew that's had them had any either. So I bet you wont.

I don't think I really needed them though, I had just split from someone & wasn't coping too well, but I don't think I was depressed, & wasn't anxious, was just sad really, which is possibly why I got the side affects, I don't know. I don't think the doc should have given me them though. x

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Aw, sorry you went through such a bad time. Slitting can be so painful - I remember it well! Have had seroxat before and I found that good but they say it can give you suicidal thoughts - like I need more of those....

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Aw, sorry you went through such a bad time. Slitting can be so painful - I remember it well! Have had seroxat before and I found that good but they say it can give you suicidal thoughts - like I need more of those....

 

Oooh ek no, that doesn't sound good.

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Another night of little sleep. Think I am going to wait for them to ask for anything. Oh I just don't know... Argh! Make a bloody decision !!!! Sorry, struggling with this. Don't know what is the best thing for me to do.

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