Jump to content


  • Tweets

  • Posts

    • So nothing to do with deprivation of capital, but bad choices of how they spend benefit monies.   Sounds like they are on a downward spiral to living on the streets and getting into an even worse situation.
    • 4 th time we've merged your threads  for complete history of your story please keeps to one thread
    • @dx100uk @ anyone else interested in Fighting HSBC UK  Staff/department non compliance and incompetence/interference in between HSBC UK and customers.   I wanted to know what you guys had to say about the reply i got from HSBC UK today.    Recap. I originally turned to HSBC UK to be reunited with Money i saved in accounts that where frozen and made dormant during the year 1995.   HSBC UK Teams tell me that HSBC UK only allows them to have access to account records dated back 6 years. there for they do not have the records, can not locate the records i requested for in my SAR. there for HSBC UK teams Ignored my SAR application for records of accounts made frozen and dormant during the year 1995. HSBC then claim if the accounts where closed they will no longer hold records of these accounts and tell that to the ICO. I again explained to HSBC UK and the ICO the records of accounts where left frozen and dormant.   HSBC UK teams continue to tell me over the phone that The records i requested for in my SAR, will not be located or do not exist because HSBC only allows them to have access to records of accounts dated back 6 years.    I returned to HSBC highlighting there is no such provision in the Data Protection Act.   HSBC UK teams today totally ignored my complaint again and confirmed with me they are classing my complaint as wanting to locate accounts that where closed.   Let me know what you think about the  HSBC UK teams response to my last complaint. Is there any other letters i can send them to confirm thay are not correct about what they have done.    The HSBC UK letter starts of by:You've been unable to recover funds you held in HSBC UK Accounts that were closed in 1994 to 1995, and to obtain the account details for the accounts concerned. You've been advised that we only retain records for up to 6 years, but you've been unable to locate any provision for this within the Data Protection Act (DPA). You require a Certificate of Destruction from HSBC UK to evidence the destruction of the data concerned. You feel your Subject Access Request (SAR) has been ignored by HSBC UK.   HSBC UK Teams now go on to explain: In respect of you being advised we only retain records for up to 6 years, but having been unable to locate any  provision for this within the Data Protection Act (DPA), I can confirm that under the DPA, we are obliged to only keep records for as long as we deem necessary, in order to effectively manage our data. So, for most cases, this will be for no more than 6 years.   In regards to your request for a Certificate of Destruction from HSBC UK to evidence the destruction of the data concerned, I regret that this isn't something that we can provide, as we don't keep records of when individual customer data was destroyed. I'd also like to clarify that if the accounts concerned were closed after becoming dormant, that we would have sent you closing statements at the time.   Lastly, I'm sorry you feel we've ignored your SAR. I want to assure you that we'll always look to accommodate a request for a SAR as best as we can. However, if we're unable to locate the account details and information required, this will mean we're unable to fulfil the request, which has unfortunately been the case on this occasion.   How else do you think i can highlight to HSBC that the teams dealing with My complaint, and request to be reunited with my money is not going to departments that can deal with my demand for services.?  
    • Hi   I have to agree if you have paid off the debt owed to them via this meter and are up to date on your bills  I would look at changing supplier and as said asking new supplier to install a standard meter and look for the best deals for you.
    • I have severe anxiety and going to leave my job and have been invited to a meeting but dont wish to attend that is three hours away from where I am. Can I legally give the  permission to decide without my being there? I cannot handle going as I know I'm going to be fired anyway as on my final warning. I'm also giving in my notice this week too! This job is just too much for me now and I cannot work here any longer. It's no good for my health and sanity  I am sick to my stomach thinking about going and about to hand my notice in anyway    
  • Our picks

Loner1

Please help - advice desperately needed

style="text-align:center;"> Please note that this topic has not had any new posts for the last 2502 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

Hello, I'm new to the site and would be very grateful for some advice regarding my current situation. Here goes...

My ex partner moved out of our family home in oct 2010. He has been staying with family ever since. I ended our joint claim with tax credits, and started a single claim.

Over Christmas, my ex has had some problems and as of today, will be moving back into my home.

Here's where I need help. I had a look on the Hmrc website this morning, as I was unsure as to whether they would class us as being in a relationship now that we'll be under the same roof. I read that unless you are legally separated, then Hmrc will see you as being in a relationship, if under the same roof, purely because we are still legally married. Ok, fine I thought. I'll have to call them and switch from single to joint. Upon explaining my situation to them, the guy popped me on hold, and came back and said that I don't have to do a joint claim if u don't want to. I can remain single. This is because I told them that nothing was changing, other than the fact he's going I be sleeping here for the forseeable future (temporararily putting him up, but as he has no where to go, can see this being a long term thing. )

He said it was my choice, I could remin single or go joint, but reminded me that if I went joint that I will be without tax credits for potentially up to 6 weeks. He told me to have a chat with ex, and see if he would subsidise me until all sorted. He said so long as ex isn't tied financially to me or the house then it's fine.

I felt my world crash around me in the instant, and now I need advice.

Ex has been financially tied to my home since day one. Even since he left, he has paid the rent on the property (terms of agreement with family was that he didn't have to pay them rent if he paid mine)

His name has not been removed from the tenancy agreement (which ended in 2010 and I've not been asked to sign another! As far as landlord is aware, ex still lives here. He knows nothing as I didn't want him to give notice to leave as I assumed that if ex wasn't here, the landlord wouldn't want to risk letting out to a single mum who works part time)

All letters are still sent to this address, some bills in his name also.

We were all quite happy with the arrangement and have had no problems whatsoever.

Since hearing the guy from tax credits say 'so long as he's not financially tied to the property then it's fine' I have felt sick and have been shaking.

I called back after half an hour and spoke to another lady. Explained my situation. Told her that ex gives me money each month towards things. She confirmed what the other guy said, and said you won't be thought of as a couple unless - him living here becomes permanent, or he starts to become financially responsible for me and the kids.

I would say he's been financially responsible from the day he left up until today. And when he moves his bags in tonight, he will still have the same responsibilities as he had last night, except will be sleeping here from now until he 'finds somewhere else'. What do I do??? I was fully expecting to call, explain, get told I will have to go joint as we are still married, and that be that. But instead, they're telling me I can stay as I am, but I'm not sure if staying as I am was the right thing in the first place???? I didn't want to go into details with them about what he pays etc, but have I been wrong to claim money from them?? Do I call them back tomorrow, and just say my ex has moved back and leave it as that, no more details?? I'm so so scared now that for 27 months Ive told them I'm single, but in their eyes I'm not because my ex is tied to this property in the same way he was before he left, apart from the council tax. He's off of that and I pay that myself. What mess have I got myself into, if any, and how can I get out of it??

I suffer with depression and anxiety and I don't know how I'm going to get through the rest of the day :( I'm so scared I'm going to get into trouble :( if you have read this far then thank you, I'd appreciate any advice at all.

Edited by Loner1

Share this post


Link to post
Share on other sites

Any advice would be greatfully received :(

Should I write a letter explaining everything from 2010 until now? It's only come to light to me today that I may be in the wrong here...been reading so many other people's threads and have got myself scared that I'm going to be investigate and made to pay back every penny - do I bring it up with Hmrc or just call tomorrow, cancel single claim and start a joint until he leaves again? And then obviously sort out Ll bills/rent etc. I can't believe I've been such an idiot not to realise this sooner. Plead ignorance or lay it all out there?? Please help :'(

Share this post


Link to post
Share on other sites

I doubt if pleading ignorance will alter the fact that if you have been overpaid they will want it back.From reading around though they normally just take an amount from any tax credits you may be entitled to as a joint claim. Personally,I would be honest with them and get it out of the way.


Lillibelle

 

I only know what I know cos I know it,I only give advice,I'm not legally trained nor do I pretend to be.

Share this post


Link to post
Share on other sites
I doubt if pleading ignorance will alter the fact that if you have been overpaid they will want it back.From reading around though they normally just take an amount from any tax credits you may be entitled to as a joint claim. Personally,I would be honest with them and get it out of the way.

 

So I'm definately in the wrong, then?

 

I had a 'review' for the childcare element of my tax credits in Sep 12, had to send bank statements, childminder receipts and contracts etc. Bank statements would have shown no rent/mortgage payments, no utility bills, as ex pays these for me. Would they have even noticed? I know that they were investigating only the childcare element, but why did they not notice this and ask me questions?

There was me thinking I was lucky to have such an amicable relationship, and not having to struggle too much because ex is such a nice bloke...could now have just totally shot myself in the foot.

So, moving forward...do I call and explain that in the past 24 hours I've come to realise that I shouldnt have allowed ex to pay some bills? Should have made him change his address on all of his personal stuff...and am now basically going to ask for you to stop my payments and send me a letter asking me to pay back everything?

I just don't want to get into any trouble as I actually couldn't handle it :'(

Share this post


Link to post
Share on other sites

I'm not sure if you may be OK actually:

 

What not to include

Don't include:

maintenance payments received from a former partner

tax credit payments

student loans

student grants, except the Adult Dependants' Grant or any dependants' grant in Scotland

income your children have had, unless it's taxable in your or your partner's name

the Christmas Bonus and the Winter Fuel Payment

income from tax-free savings such as Individual Savings Accounts (ISAs), Personal Equity Plans (PEPs), index-linked and fixed-interest National Savings Certificates, Children's Bonus Bonds war pensions

pensions or annuities paid to victims of Nazi persecution

If you are unsure whether or not to include income, call the Tax Credit Helpline.

 

You might have to wait for one of the more experienced benefits bods to come along though...I'm just going from what I've read on the website.

 

I think you might be as well to ring them and explain - the worst thing that's going to happen is you'll have been overpaid and they'll take it out of your on-going entitlement, but if that's the case it's better to get it over and done with now!


"Then they came for me--and there was no one left to speak for me". Martin Niemöller

 

"A vital ingredient of success is not knowing that what you're attempting can't be done. A person ignorant of the possibility of failure can be a half-brick in the path of the bicycle of history". - Terry Pratchett

 

If I've been helpful, please click my star. :oops:

Share this post


Link to post
Share on other sites

I did say 'if' you have been overpaid. Im happy to leave the advice to the far more experienced on here.


Lillibelle

 

I only know what I know cos I know it,I only give advice,I'm not legally trained nor do I pretend to be.

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...