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    • Hello, been a while since I posted on here, really hoping for the same support an advice I received last time :-) Long, long story for us, but basically through bad choices, bad luck and bad advice ended up in an IVA in 2016. The accounts involved all defaulted, to be expected. In 2018, I got contacted by an 'independent advisor' advising me that I shouldn't be in an IVA, that it wasn't the solution for our circumstances and that they would guide us through the process of leaving the IVA and finding a better solution. I feel very stupid for taking this persons advice, and feel they prey on vulnerable people for their own financial gain (it ended with us paying our IVA monthly contribution to them)-long and short of it our IVA failed in 2018. At the same time the IVA failed we also had our shared ownership property voluntarily repossessed (to say this was an incredibly stressful time would be an understatement!) When we moved to our new (rented) property in August 2018, I was aware that creditors would start contacting us from the IVA failure. I got advice from another help website and started sending off SARs and CCAs request letters. I was advised not to bury my head and update our address etc and tackle each company as they came along. Initially there was quite a lot of correspondence, and I still get a daily missed call from PRA group (and the occasional letter from them), but not much else. However, yesterday i had a letter through from Lowell (and one from Capital One) advising that they had bought my debt and would like to speak with me regarding the account. There will be several.of these through our door i suspect, as we did have several accounts with Capital One. Capital One have written to us with regular statements over the last 5 years, and my last communication with them was to advise of of our new address (June 2019), I also note that all of these accounts received a small payment in Jan2019 (i'm assuming the funds from the failed IVA pot). Really sorry for the long long post, but just thought id give (some of) the background for context.... I guess my question at the moment is.....how do I respond to Lowell...do I wait for the inevitable other letters to arrive then deal with them all together or individually...? Do I send them a CCA?  Many thanks
    • hi all just got the reminder letter, I have attached it and also the 2nd side of the original 1st pcn (i just saw the edit above) Look forward to your advice Thanks   PCN final reminder.pdf pcn original side 2.pdf
    • The airline said it was offering to pay $10,000 to those who sustained minor injuries.View the full article
    • The Senate Finance Committee wants answers from BMW over its use of banned Chinese components by 21 June.View the full article
    • Brussels is widely expected to introduce tariffs on Chinese electric vehicles coming to Europe.View the full article
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    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
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      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Tax Help Needed


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Last year me and partner ran a pub and were paid weekly until the leaseholder turned into a [edit] (long story involving a tribunal which we won in November) included in our award was a p45 each for the time we were employed by him. Despite emails and calls etc 7 months on and still have received nothing. While working for him we never got any payslips or nothing which is all very fishy. We are expecting a baby soon so I did some research into tax credits etc and in order to apply we need all our earning and tax details for 2011/2012 which thanks to this guy we don't have. Is there anyway we can get a statement of tax and wages paid for the last tax year?

Edited by honeybee13
Removing pejorative language.
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Just an update

 

managed to get through to the right HMRC department and stated a letter would be sent out detailing tax etc paid I asked if they could do the same for my partner and they said no problem so I passed the phone over to him. While he was going through the details of previous employment the pub that he worked at for 6 months did not pop up on their system despite my partner having tax etc deducted from his wages (I only worked part time so no deductions were made but again this pub was not listed for me either). We have proof that the employer did deduct tax but it doesn't appear to have been paid to the taxman. They asked us to send all information we have about the employment to them (all we have is evidence from my partners tribunal hearing). Are we going to prosecuted? or is the ex employer really up s*** creek?

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Hi

This is clearly an employer breach; employers have a statutory obligation to calculate, deduct, record and remit to HMRC PAYE income tax and NI

Failure to do this, particularly if done deliberately, renders the employer liable to penalties and possible prosecution

Gbarbm

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Hope you find what you are looking for. A good start may actually be to phone the tax people and ask them to help you to find out where you can get this information and you may find they are actually able to tell you more than you think. Tax! A nightmare! Today had to help my elderly mother fill in a simple tax form for my late father; whose only income was the state pension and one attendance allowance, no savings and no other money; you would think we had millions the stupid questions they asked. Took three hours to fill in the only half a dozen sections that were actually applicable and are still not sure we put everything down correct. One section did not have a clue what they were asking, rang up and they actually told us what the information was. They had already got the rest of the information in front of them when we checked it over, so why the hell did we have to fill the form in for? I think you will find that they actually have most of this information at their fingertips and should be able to assist in obtaining it.

 

Again. Good luck

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