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    • I do disagree with you regarding one thing - we are not very good with letters or these situations and are slow on the uptake. So far you have stood up to Excel and their threats, immediately given us the information in the sticky, done loads of reading up to educate yourselves, learnt from the mistake of outing the driver so you'll know not to do so in the future, got on to the organ grinder to try to get them to call off their dogs, etc., etc.  Good grief - we wish everyone who came here would do this!!! Most people who get these invoices sadly think they have been fined and if they don't pay a drone from Ukraine will be diverted and will fall on their home (or some such vague grand apocalyptic threat) and they fold and give in.  You haven't.  Well done. Don't worry - you won't be paying a penny.  Although it will take some time to see off this vile company.
    • Spot on!  You learn quickly. Who cares if the case gets sent to debt collectors?  They have no powers.  All the effort you will have to put in will be to open envelopes - and then spend time laughing at their daft "threats".  No stress at all!
    • I did ask them why, but seems they have more spare cash than we do .. ;-( .. I doubt their bank would even support a chargeback after a year has passed. Anyway I've constructed my first DRAFT Snotty Letter .. so here goes ..   RE: PCN 4xxxxx Dear ALLIANCE PARKING Litigation Dept, Thank you for your dubious Letter Of Claim (dated 29th April 2024) of £100 for just 2 minutes of overstay. The family rolled around on the floor in amazement of the idea you actually think they’d accept this nonsense, let alone being confused over the extra unlawful £70 you had added. Shall we raise that related VAT issue with HMRC, or perhaps the custodians of the unicorn grain silos? Apart from the serious GDPR breach you’ve made with the DVLA and your complete failure in identifying the driver, we’re dumbfounded that the PCN is still not compliant with the PoFA (2012 Schedule 4 Under Section 9.2.f) even after 12 years of pathetic trial and error. We also doubt a judge would be very impressed at your bone idleness and lack of due diligence regarding the ANPR entry / exit periods compared with actual valid parking periods. Especially with no consideration of the legally allowed grace periods and the topological nature of the Cornish landscape versus a traditional multi-storey. And don’t even get us started on the invisible signage during the ultra busy bank holiday carnage, that is otherwise known as the random parking chaos in the several unmarked over-spill fields, or indeed the tedious “frustration of contract” attempting to get a data connection to Justpark.  We suggest your clients drop this extreme foolishness or get an absolute hammering in court. We are more than ready to raise the issues with a fair minded judge, who will most likely laugh your clients out in less time than it takes to capture more useless ANPR photos. We will of course be requesting “an unreasonable costs order” under CPR 27.14.2.g and put it toward future taxis to Harlyn Bay instead.  We all look forward to your clients' deafening silence. Legal Counsel on behalf of the Vehicle Keeper.  
    • Hi,t I'm not sure if I'm posting in the right subsection but General Retail appears to be the closest to it I think... About a year and a half ago I got a new phone so I listed my iPhone 10 on eBay.  The listed stated 'UK only' and 'no returns accepted'. Considering I had had the phone for about 4 years, I myself was amazed that I had kept it in such good condition all that time - apart from being slightly scuffed around the charging port there was absolutely nothing wrong with it. It had the original box, its unopened original Apple cable, plug, and earbuds, and I threw in a case for it and It had always had a screen protector on it. Someone wanted it from Armenia, and I stupidly agreed to it.  She paid and I sent it off, fully insured. Not long after she received it, she sent a message saying it 'was not as described', so I asked to see photos of whatever was the problem.  She sent two photographs of the box.  Just the box.  I said I wasn't even going to consider refunding her unless she told me what she meant by 'not as described'.  I thought, if it's been damaged in transit, then it would be covered by the insurance. Anyway, she didn't respond at all, even though I had messaged her several times, so she opened a case with eBay. I have sold a fair few things of mine on eBay in the past buy had never had had anyone come back to me asking for a refund.  I got in touch with eBay several times by phone and by email, and found out they always side with the buyer, no matter what with their 'eBay Seller Guarantee'.  She had been told she could keep the phone and told me they would recover the money from me from my account blah blah.  So I unlinked all of my cards etc and changed my bank account to one that I never use with no money in it. My account got suspended.  I continued to try to explain to eBay that I had been scammed but I got nowhere. My account was permanently inaccessible by this point. I reported the phone stolen and the IMEI blacklisted but I'm not sure if that would make any difference being in Armenia, but it was all I could think of to piss the buyer off. A couple of months later I was contacted by email by a debt recovery company (I can' remember who now), to whom I explained I will not discuss the matter with them until I had received an SAR I had requested from eBay. As I could no longer access my account, I couldn't review the communication I needed to show I was not in the wrong. The SAR was produced but I was advised that the information I was looking for would not be included but I said I wanted it anyway.  There were so many codes etc. and hoops to jump through to access it, that even after trying whilst on the phone to them, I still couldn't get into it, so I never got to see it in the end.  I think they said they would send the code by post but they never did and I forgot about it after a while. I've just come across a couple of emails from Moorgroup, asking me to phone them to discuss a private matter regarding eBay.  I haven't replied or done anything at all yet.  The amount they are trying to recover from me is £200ish from what I remember. I know it's not that much but I don't want to pay the b*astards on general principle. I've had a lot of useful advice from CAG in the past about debt collectors but it has always been about being chased by creditors, I've never been in this situation before. I don't know what power they legally have to recover the 'debt', and most importantly, I am two years into a DRO, and the last thing I want is another CCJ to shake off if I'm cutting my nose off to spite my face.   Any advice gratefully received!!
    • Hi, I have the Sims 4 on Macbook. Over the last year I have paid for multiple add on packs spending a lot of money on them. I bought them all in good faith as my Mac met all the minimum requirements to play them. I have been playing happily for about a year and bought my latest pack just over a week ago. The games were all working fine yesterday. Then suddenly today EA released a new app to launch the games and this new app requires a MAC OS that my computer cannot use. Now suddenly none of my games are accessible and I am unable to play anything. They did not warn us about this change in requirements and if I had known they would be doing this I wouldn't have bought all these add ons as they are now all totally unusable. The games themselves have not changed, only their app to launch them and I can't afford to buy a brand new mac just to play. So my question is how can they change the minimum requirements after I have paid for a game? I agreed to pay for them based on the fact my mac met their requirements and was not informed when purchasing that this would be an issue in the future. I understand new games (like Sims 5 which is to be released next year) might not be compatible but this is a 10yr old game that they have suddenly made inaccessible due to their new launch app. Does anybody know if I can do anything or anyway to get a partial refund from them? Thanks   Here are their T&C... I can't find anything in there about them being able to do this so not sure what to do https://tos.ea.com/legalapp/WEBTERMS/US/en/PC/
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TAX CREDIT OVERPAYMENT - Notional Offset How Does this Work


hales7
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Hi All

 

I was wondering if their is anyone here can help. I am going out of my mind with worry. Stupidly I never told the tax credits people that my partner moved back in with my Sept 2010. The reason for this was I he was not working and I did not know how long we would last. He had an affair and we had split up this was just a trial to see things worked out for us. Anyway, to cut a long story short he as not worked since returning to live with me. I had a letter Jan this year saying that my claim as a single person was under review because they had reason to believe I was living with a partner through a credit reference agency that they use. I immediately call them and said this was an oversit on my part and gave them the correct date he moved back in with me but told them he as not had a job since this date. I have now received 2 letters one saying on I owe 5k for 2010 and one saying I owe 9k for 2011. I have also received a letter saying my Tax Credit Claims have now Stopped. I call them and told them my situation they said they would send a claim form out straight away and went through with me whether I qualify or not. I was told to put joint claim in and it would be back dated however I have been told today that this will only be done for 3 mths. I have been racking the internet for help as I really do not know how I am to pay over 15k back and there is something call notional offset can anyone give me advice. I feel that it I have to pay this debt I might as well give up my home my job and my life basically. When my husband had his affair it changed me and I have never been the same person and now with this to deal with on top I really really dont know what to do.

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I have had a similar situation, told them partner been with my since 2010 now got over payment bills for 2 year one saying 5k and one for 9k have spoken to the overpayment team today and made arrangement to pay back alittle each month until my joint claim is sorted. I have been told that this will only be back dated 3mths though and anything else I will need to pay back, however I have read about the notional team who can off set and back date further. I have been told this as to be when my joint claim is accepted. I am really worried. I have a low income my partner is not working and this could mean me losing my house. I am across this thread today and so glad. This is all I can think about sitting here at work right now feeling sick

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I have to tell my partner tonight about the overpayment amount and what it means to our budget the next ten years or so. Not even sure if I will get anything reduced from my 15k bill. Joint claim or not I now have this hanging over us like a big dark cloud. x

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I never imaged i would have to pay back that amount but it is every single penny they paid me from the date I should have informed them that my partner had moved in even though we would have probably got more if I had claimed as a couple. I just told them the truth and I do feel better, I would say they have been very understanding in helping me make arrangements to pay which is going to take a very very long time I feel better that there is going to be no investigation. I would advise anyone with anything to declared does it as soon as possible to avoid getting into the mess I have. I have been told there will be no furhter charges or investigation which is the main thing. xx

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folle, I have been reading your thread today and really do feel for you I have been going through the same thing as you for over a week I received my letter on friday telling me how much I must pay back and was so scared this morning when I call them. But things have worked out and although I am going to be worst off financially I really do feel I can now breath easy knowing they are not going to be snopping with all my financial and personal information. If you really want this to end. Just let the know everything even if you do end up owing them its better than the way you are feeling right now I could image. xx

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I never imaged i would have to pay back that amount but it is every single penny they paid me from the date I should have informed them that my partner had moved in even though we would have probably got more if I had claimed as a couple. I just told them the truth and I do feel better, I would say they have been very understanding in helping me make arrangements to pay which is going to take a very very long time I feel better that there is going to be no investigation. I would advise anyone with anything to declared does it as soon as possible to avoid getting into the mess I have. I have been told there will be no furhter charges or investigation which is the main thing. xx

 

If you should have got more, you really should go visit CAB about that, sorry but I just don';t see why people should be paying back money that they should have been entitled to anyway. Regardless of if they should have updated their circumstances. That's not right. The fact you didn't update your circumstances actually went against you. Don't thank them for being 'understanding'!? Of course there won't be any further charges or investigation, because if there was it would show them up to be immoral in the least!

That's just not right??? :|

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hi hales, i have heard about this too so will be watching this thread with interest, have you sorted out your joint claim yet?we filled ours out last night and judging by the online calculator we were entitled to pretty much the same, they say he was living here from july 2010 so we have an 8k overpayment that i need to pay, if we are entitled to our new amount we would of been back then so that takes what i owe down a drastic amount. i will have a dig around on the internet later .

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Hi Cranberryjuice, I only put in our joint claim Friday so until I hear back from them I can,t do anything however put a note on your joint claim before you send if not already done so, to ask for your joint claim to be looked at by this department. That way they can do it straight away. I didnt do this that is why I now apparently have to wait for mine to be dealt with first. Good Luck xx

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  • 2 weeks later...

Hi Guys

 

Just wanted to up date you all. That today I have finally received my Claim accepted as a couple, and as advised this is just £2.00 more per month that if I was claiming as a single person. I have now asked that this be looked at by the Notional Offset team which they have said will be done today. Hopefully my huge amount owing to them should reduce to around 5k rather than the current 15k. I now can see light at the end of the tunnel and wanted you all to know that although very worring when first trying to sort out the mess we find ourselves in there is hope.

 

Hope you all get sorted quick.

 

xxxx

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hi hales, i have had my new award through too,along with back payment of 15 weeks??????

 

did you?

 

i will be contacting the regarding the notional offset very soon, as soon as i get the payment - meant to be tomorrow, i was actually entitled to nearly the same so am hoping they will quash most of it.

 

lets keep each other updated.

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  • 3 weeks later...

Hi - i am in the same situation - had my single claim stopped, stupidly allowed my boyfirend to use my address for credit and it showed on my credit file as a financial association, plus he was staying over around 4 nights a week, hence I received the letter for reviewing 2 years 2010/2011 and 2011/2012.

 

They have asked me to pay back 9K from 2011/2012. I have now put in a new joint claim as he has moved in full time. The figure they have estimated on the new claim is much the same as it was on the now stopped single claim.

 

They have told me that they can only backdate it to the date I received my last payment under the single claim which would be 4 weeks ago - should I have asked for them to backdate it 3 months.?

 

I will be asking for the notional offsetting when the joint claim is accepted as I wasn't aware you could have this done until the last few days.

 

Really worried about what will happen if they don'y accept my request, when I do it, for notional offsetting as I have read on Citizens Advice site that if the error was found due to a compliance check rather than the claimant notifying them, that they may not consider offsetting.

 

Also how long are the new joint claims taking to go into payment ?

 

Cranberryjuice - did you ask for backdating or was it done automatically?

 

Having to borrow money to survive so would like to try and work out an estimate on how much they will pay.

Take care

x

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hi hales, i have had my new award through too,along with back payment of 15 weeks??????

 

did you?

 

i will be contacting the regarding the notional offset very soon, as soon as i get the payment - meant to be tomorrow, i was actually entitled to nearly the same so am hoping they will quash most of it.

 

lets keep each other updated.

 

Hi - how long did the new joint claim take to process to payment - did they automaticallt backdate it or did you ask for ths to be done

 

Thanks

D

x

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they backdated and paid us 3months, cant understand why though!!!!

 

had an 8k bill today from them with 12 months to pay....ok then....will ring them next week regarding offestting it - should reduce bu 5.5k,will let you know how i get on....

 

Hi - thanks for letting me know about the backdating.

 

How long did it take for you to start getting payments from your joint claim after you had sent it in ?

 

Thanks

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  • 2 weeks later...

HI all, thought i would just update, called the overpayment team today (4 weeks after getting the bill for 8k!)

 

they will not do a notional offset as i have a new joint claim, but could of if i had a single claim - how silly!

 

So I have set up a repayment plan of 67 pounds a month for the next 10 years - lovely!

 

would be so much easier if they could take it out of my new claim,im so cheesed off!

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HI all, thought i would just update, called the overpayment team today (4 weeks after getting the bill for 8k!)

 

they will not do a notional offset as i have a new joint claim, but could of if i had a single claim - how silly!

 

So I have set up a repayment plan of 67 pounds a month for the next 10 years - lovely!

 

would be so much easier if they could take it out of my new claim,im so cheesed off!

 

Hmm - think they have told you wrong on the Notional Offsetting - could have done it if you claimed single - so what would they have offsett it against.

 

From what I understand and have been told by HMRC Notional offsetting is when they look at what you would have been paid ,if the claim where the overpayment has come from ,was made in the correct capacity as a joint claim. They can deduct what you should have been paid as joint from what you were paid as single thus reducing the overpayment.

 

This confirms as well

http://www.hmrc.gov.uk/manuals/ccmmanual/CCM15725.htm

 

I would contact the helpline and ask them to refer the overpaid award to the Notional Entitlement Team, who are a different department to the team that deal with setting up a repayment plan. (D & B - Debt & Banking ?)

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Hi,

I just got my letters telling me how much i owe for 2010 -2012 ... a grand total of £14,000. Unsure what i'm supposed to do next. Can anyone help me with this. Was reading on another thread were someone was fined as well as having the overpayment. Do I contact HMRC and ask them to agree a repayment plan with me? :-(

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  • 4 months later...
  • 2 months later...

Hi

 

Just thought I would pop back with an update to my previous threads re Tax Credit overpayment. I last spoke to the Tax Credits 2 months ago and since April I still have heard nothing from the notional offset team apparently they have no time scale to work from. I am paying the 15k overpayment back monthly with a real struggle. I feel quiet angry with myself for putting us in this postion. As anyone else had any luck with the notional offset team would love to hear if you have :!:

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Hi Hales7

i had to pay back about 12 grand, as they would not accept anything i was telling them, even though i sent the proof, still was not enough

i wish i had tried to offset it, but i was to ill and now paying back £50.00 per month, i dont see why we should have to pay money back which

we should have been entitled to. let us know how you get on

folle xx

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