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    • Paragraph 18 – you are still talking about Boston stolen items. About time this was fixed??? Paragraph 19  In any event, the claimant's PS5 gaming device was correctly declared and correctly valued. The defendant accepted it for carriage and was even prepared to earn extra money by selling sell insurance in case of its loss or damage. New paragraph 20 – this the defendant routinely sells insurance in respect of "no compensation" items (a secondary contract contrary to section 72 CRA 2015) new paragraph above paragraph 20 – the defendant purports to limit its liability in respect of lost or damaged items. This is contrary to section 57 of the consumer rights act 2015. The defendant offers to extend their liability if their customer purchases an insurance cover for an extra sum of money. This insurance is a secondary contract calculated to exclude or limit their liability for the defendants contractual breaches and is contrary to section 72 of the consumer rights act 2015. New paragraph below paragraph 42 – the defendant merely relies on "standard industry practice" You haven't pointed to the place in your bundle of the Telegraph newspaper extract. You have to jiggle the paragraphs around. Even though I have suggested new paragraph numbers, the order I have suggested is on your existing version 5. You will have to work it out for your next version. Good luck!   Let's see version 6 Separately, would you be kind enough to send me an unredacted to me at our admin email address.
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    • As already mentioned freely available "credit scores" are fairly useless. All lenders have their own "credit scoring" system, that for obvious reasons they don't divulge. And they're "scored" differently to the freely available ones. As soon as they could, we've always encouraged our two children to use credit cards responsibly... Pay off in full, etc, to generate good history. It's paid off. At quite young ages, they have both obtained loans for cars, mortgage and their credit card limits are through the roof. Personally, I have shifted debt around a lot on credit cards (even financed a house purchase once at 0% 😉) and I've only ever been refused a credit card once, sorry twice by the same company, over many years. They must have something very different in their lending criteria. You're a tight one, Mr Branson.
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HELP tax credits and self employed not paid tax


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I know this is going to be a long post but i would be so so greatful for any advice anyone can give me here.

 

I dont really know where to start without getting complicated. so here goes..

 

I moved in with my boyfriend 4 years ago. We have a 3 yaer old and 6 month old.

I have not worked since moving in with my boyfriend.

 

My boyfriend is a cab driver, has been for 10 years i think, before that he was a carer for his wife for 2 years and he had several office and shop jobs before that.

 

In november 2009 his licence ran out and he couldnt afford the £300 to renew it straight away so he was on job seekers for 6 weeks while waiting for his licence to come through( someone lent him some money to pay for it)

 

Whilst he was on job seekers we started claiming tax credits and housing benefit, we hadnt claimed any before that. And obviously he started getting working tax credits when he told them hed started work. Thats been the situation since.

 

Now before we were getting tax credits we were in a lot of trouble with money i didnt realise it til jan 2010 we got a hmrc (or hmcs???) bailiff knock on the door and force her way past me when my first baby was 5 months old he hadnt paid a speeding fine and he now owed £1200!!!!! we scraped together every penny we had and fortunatly he had some very good friends so we managed to pay her.

 

After that incident he showed me a sports back full of debt letters that he had kept in his car!!! i had no idea!!! we owed money for electric, gas, water. council tax,!! he also owes money on a credit card from 7 years ago, 2 provident loans and a dwp from 9 years ago, several parking tickets because he couldnt afford the parking permit to park down our road and another speeding fine.

 

the only thing hed been affording to pay was the rent. now 3 and a half years later i thought we were finally getting somewhere!! we've still got gas debt which is taken bit by bit from the meter they installed, we still owe water. we have 1 payment left on the council tax. He still owes the provident loans and someof his barclay card debt. But we were getting somewhere. We dont have many nice things we have no wardrobes in our room our mattress is long past its expiry by date and we havent got an oven.

 

Anyway... Yesterday i got back from taking out son to nursery and there was a letter from tax credits saying theyve selevcted our claim for review. They want all his self emplloyed information for last 3 months unique tax payer number etc etc, i was more concerned that his work stuff from start of this tax year is muddled up in a box as i havent had chance to sort through it with a new baby.

 

However, my boyfriend then informed me that he does not have a unique tax payer number. I had no idea what it was til i had a look on the internet. He hasnt ever registered as being self employed! yet he has been for many years! how did he get away with it???? the only work stuff he has is 3 adn half years ago when i started recording it all on spreadsheets for him. ive looked further into personal allowances etc and as far as i can work out he hasnt earnt enough to pay taxes?? but he should have been paying national insurance contributions. I just never really thought about it i just presumed hed done whatever needed doing when he first became self employed.

 

So what should he do???????? i dont know where to start. should he apply for the unique tax payer number? and tell them when he started all those years ago or when he started from the records of his work we have? should we phone tax credits and admit he doesnt have a unique tax number? Will they stop our tax credits, we really do rely on them i dont know what we'll do without them. I am so scared!! and because the tax credits is in joint names am i going to be in trouble too. am i going to be dragged away by police and my children put in care. I am so worried i cant eat or sleep i just feel physically sick!

 

Thank you so much for reading this and any advice at all will be greatfully recieved!!!

 

He isnt a bad person he works 6.30 til 4.30 5 days a week, before the tax credits he worked 7 days a week. I know he hasnt paid taxes but atleast he hasnt been scrounging on the dole whilst working???

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Hello and welcome to CAG. I'm sorry you haven't had any replies and hope you'll find this one. I've put a bit of spacing into your post to make it a bit easier to read.

 

I think this one might be pretty complex and I don't know how many people here will know the ins and outs of the system. Are you able to get to the CAB locally? We've sent a couple of people there for underpayments and they've had help. CAB also have contacts in the area if you need more specialist help, and you should be able to get a 30 minute meeting with an accountant, say, free of charge while they decide if they can help you.

 

You might also find out debt management forum helpful. The guys there will point you in the right direction to try and control your payments, if you aren't already.

 

My best, HB

Illegitimi non carborundum

 

 

 

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Hello there. Due to the complexities of the situation I think it would be really useful for your partner to seek assistance from the debt charity Business Debtline. They are able to help those that are self-employed; and are VERY good at tax-related issues:

 

http://www.bdl.org // 0800 197 6026.

 

Best wishes,

 

Seq.

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