Jump to content



  • Tweets

  • Posts

    • No I'm afraid everything here is done in the open. We are all very honest and straight dealing and also we have helped people in respect of this company before – they may be aware of us – but does it really matter? You started off this thread by asking how to they get away with it? The answer is that because even their own customers like to keep the problem secret so it becomes not generally known. If you want to do this secretly then you are simply bringing comfort to the sofa company. Is that what you want? Why?
    • I would like your help but I dont feel comfortable disclosing everything on here as it will be in the public domain.    Is there any way I can discuss my matter privately?    Thanks
    • Two hours to go (11am hearing) going to wear a hole in the carpet so nervous.
    • I'm trying to understand if you want some help with this or not. So far you haven't told us anything about your story – dates, prices, who you have complaint to et cetera. You have simply told us about how unethical it all is and asked how do they get away with it et cetera. Maybe one of the reasons why they get away with it so often is because people don't tell their story but simply complain about ethics. We can help you if you want. In order to do this you will have to give us information about your story – and we would prefer in a bullet pointed chronology without too much narrative. You say that you have obtained an independent report. There is a good move. Please could you post it here in PDF format so that we can have a look.
    • Good morning.   Ahh good  old Tax Credit overpayments, the gift that keeps on giving. It's almost guaranteed that if you claimed Tax Credits at some point in your life a charming little letter will pop through your door with a random national lottery size amount of money that you owe them, and it's always from many years ago. It's so thoughtful of them to send out huge demands during the most severe economic crisis of the last 100 years.   Nothing is going to happen quickly here, your SAR , when it arrives is going to be a huge box full of screen shots, call transcripts, what they assume your earnings were at the time.  It's very common for them to make mistakes, for example on mine within 5 minutes I noticed that they had my salary down as far higher than it was, which immediately took what I owed them down by £1200.   Boring summary as to why this happens,  The system is so complicated, that somebody always makes a mistake, either them or the Claimant, most people don't notice because the money is clawed back from their actual tax credit payments as  a tiny percentage that's barely noticeable. This works great until you suddenly start earning too much money and Tax Credits stop, then boom You owe us X thousand!  Unfortunately, being HMRC, and being utter rubbish sometimes that 'boom takes 15 years to arrive on your doorstep.   Ultimately, you may owe them something, in the end, they will talk like they are going to send the heavy mob in to repossess everything, reality is there are people all over the country paying them £20 per month or at some point in the future if you claim Universal Credit they might take a few quid a month off that. If you are really lucky they will just give it to a powerless DCA.   Once you have analysed your SAR, you may have grounds to appeal,  its also worth Googling Tax Credits COP 26 and reading carefully several times, perhaps some of the rules in there apply to you and may also be grounds for appeal. There are lots of mitigating factors that could even get the whole thing written off. Rest assured you can come back to this thread and ask anything,  I'll always respond and am very knowledgeable about this subject,   Keep us posted        
  • Our picks

    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
        • Haha
        • Like
    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
      • 33 replies

Please note that this topic has not had any new posts for the last 963 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

I'm sticking with we are going to win the World Cup, as I said, 'Roy could pull off some surprises'.

Upfront quite a bit of firepower,

Rooney (17) Sturridge (21) Welbeck (9) Lambert (13).

 

Pepe Mel gone too.

 

yeah, in the circs, thats prob the best can do. sterling in for walcott/townsend.

 

tim leaves his spurs, unsurprisingly.

Link to post
Share on other sites
  • Replies 1.8k
  • Created
  • Last Reply

Top Posters In This Topic

Well it was tweeted, blame goes to those who run the team and not to those who run the club. One thing comes to mind, selling Bale and then there's the bad spends.

 

I bet it's not long before Tim works his magic for another club....................... your loss Spurs board

Link to post
Share on other sites
I'm sticking with we are going to win the World Cup, as I said, 'Roy could pull off some surprises'.

Upfront quite a bit of firepower,

Rooney (17) Sturridge (21) Welbeck (9) Lambert (13).

 

Pepe Mel gone too.

 

bit concerned re the defence, but seems the best can do. thought stones wld be in the main, hes done well.

IMO

:-):rant:

 

Link to post
Share on other sites

I wonder why?, biased by any chance, you should be rooting for your neighbours, spurring them on.:-)

 

I hope Hull win tday:-D
Link to post
Share on other sites

knowing Arsenal, yeah Hull prob will win, I am a fan of the gunners! lol

If I owe you money, take a number and join the queue. If you owe me money pay up and shut up

 

 

 

 

[sIGPIC][/sIGPIC]

Link to post
Share on other sites
Link to post
Share on other sites

gunners will have all their guns blazing, but want hull to win :)

 

city (and others) been reprimanded under financial fair play rules, a 'suspended' fine...! hmm.

 

rumour has it Levy is so confident of appointing Sotons Pochettino as new spurs manager that he (Levy) has already lined up a replacement for Poch :)

 

first time win for st johnstone

 

hull 2-1 up!

IMO

:-):rant:

 

Link to post
Share on other sites

Arsenal have no defence or attack as normal, do they actually want to play!

If I owe you money, take a number and join the queue. If you owe me money pay up and shut up

 

 

 

 

[sIGPIC][/sIGPIC]

Link to post
Share on other sites
I hope Hull win tday:-D

 

I'm neutral, I want Hull to win :-)

 

I would like Hull to win as well, but I think Arsenal have just scored and equaliser :(

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Link to post
Share on other sites

They scored from a corner, the corner was given in error. Hull's second goal was a bit suspect, Hull moved the ball 9 yards for their free from which they scored. Hull helped get us relegated too:-(

 

I would like Hull to win as well, but I think Arsenal have just scored and equaliser :(
Link to post
Share on other sites

Extra time by the looks of things..

 

Awww, Rebel, I am sorry that Hull were responsible for your relegation.

 

BTW, I am not a football fan.. I hate football.. I just think that Hull supporters have had a rough deal from the Owner of the club and feel a little sorry for them.

 

I supported Sunderland for the FA cup in 1973 :lol:

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Link to post
Share on other sites

Are you that shouldn't read 1873:madgrin:

 

Extra time by the looks of things..

 

Awww, Rebel, I am sorry that Hull were responsible for your relegation.

 

BTW, I am not a football fan.. I hate football.. I just think that Hull supporters have had a rough deal from the Owner of the club and feel a little sorry for them.

 

I supported Sunderland for the FA cup in 1973 :lol:

Link to post
Share on other sites
Are you that shouldn't read 1873:madgrin:

 

oooh..... :lol:

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Link to post
Share on other sites

:noidea:

 

Ah well, never mind :)

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Link to post
Share on other sites
:whoo: at long last! Hull played really well though

If I owe you money, take a number and join the queue. If you owe me money pay up and shut up

 

 

 

 

[sIGPIC][/sIGPIC]

Link to post
Share on other sites

good game

roll on the play off finals next weekend, and then the world cup :)

atletico spanish champs, nice one. now just the champs league final to win. squids in :)

IMO

:-):rant:

 

Link to post
Share on other sites

as expected, van gaal appointed manure boss, giggs as assistant.

 

scudamore avoids the sack!?

IMO

:-):rant:

 

Link to post
Share on other sites

What World Cup :)

 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

Link to post
Share on other sites

Apparently the Scots have got an invitation to the opening ceremony as they didn't qualify for the competition:-)

 

Remember you've qualified for the 'highland games'.

 

What World Cup :)
Link to post
Share on other sites

transfer silly season begins, city's Toure already up for a move cause noone gave him a cake (or a Bugatti) for his birthday :)

 

whats your goal of the season?

IMO

:-):rant:

 

Link to post
Share on other sites
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...