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    • Hi Ade,   Stop speaking to them by phone and keep contact in writing only, which you've said you prefer.   Send TT a SAR by post immediately. The data you get back should enable you to see what they think you owe, and how it's made up.   Also write to BW Legal confirming you dispute the alleged debt owed to TT and have written to TT seeking data, so BWL must stop demands until TT have replied to the SAR you've sent them.
    • Please do although obviously I don’t know the facts from your side but at least I can tell you how much of a cut and paste job it is.
    • Please check back for a full reply tomorrow. However, it would help if you would introduce pergo spaces into a story full stop it's very long and especially for people with small screens it's very difficult to follow when it is so compacted.   I think this straight has become rather confused because of the third party account which we received at the outset. I think it will probably be helpful if you could repost your story but on a new thread and more openly spaced please.   Then we can start to have a closer look at it. However, as I've already suggested, I think there are two issues. The question of your liability in the accident and the problem of how you have been persuaded to take a rental car at such a high rate.    I would suggest that you hold off telephoneing anyone until we have had a closer look.before you do anything on the telephone. You have obviously had some very important conversations but you don't have any evidence of them. Although the other side may say that they have recorded them, you you may find it difficult to get hold of those recordings if in fact those recordings incriminate them in any way. for instance if they have promised you that you don't have to pay anything for the hire car, that would be an extremely useful conversation to have but you may find that it is difficult to get hold of.   please start a new thread it will be much easier to continue from there                                
    • When I sadly lost my job a while back, i reportd it immpediately to DWP as you are supposed to, but didnt realise at the time that the day I reported to them was the day before I was paid out for the last month. I was actually paid extra whem I left as it was cheaper than redundancy fort the business and at the time it was a good financial move (so I thought).   I was paid on Fri 26th Jan, they paid me out 2 months in one go. I reported to DWP on the 22nd of Han that I was made unemployed, had the letters and evidence. As they spun the story, because of their assesment dates and that, my first payment was on the 1st May and reassured that it works the other way around. That when work starts again, if I dont actually receive money from the company during the assesment period, there wont be an issue as it balances up.   Can I believe this or was it another spun story? I'm concerned that as I'll be paid monthly, (Starting on the 15th paid on the last day of the month), assment ends on the 22nd. Tha they'll take that money into consideration.   I'm just concerned due to the disparity it would cause between 4 odd months I endured with zero income because of how their system works and whatever they ahe in place to counter at this end of the claim.   Anywa, it's just awonder.   Cheers,   Ade    
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    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
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    • 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!
       
       
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    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
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    • 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
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Tax Credit Letter, scared please help!


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Hi, just wanted to let you know that i have rang them today, i said having taken advice it would seem that i should have been claiming as a couple instead of single, she didn't ask many questions, i just said a couple of times that we are not together as a couple and that he does his own thing the majority of the time.

 

She asked did he pay me maintenance, for which i announced he wasn't my son's father and the main reason we are still living in the same house is down to the fact we cannot afford to sell as there is no equity in the house and by selling wouldn't actually clear the mortage.

 

I said that i saw myself as single and supporting my son who is currently at college. I made it clear he didn't even know i was claiming and that having taken advice even if i wanted to claim as a couple (which i won't be doing) i wouldn't qualify due to joint income.

 

She said she had closed my claim from today and i would hear from the overpayments team, they will write to me and the overpayment will be from 6th April 2012, so i am thankful that it is only from that date, well i am hoping that is what she meant, if that is the case i reckon i will owe about £2800.

 

I was probably fortunate i got someone who was ok on the phone with me, i just remained calm and polite and said i was sorry and that i had been naive, i just made it clear i hadn't actually set out to be dishonest, i was shaking like mad and my stomach was doing somersaults, but i am glad i phoned them as it's one less hurdle to overcome.

 

I feel for everyone out there as that sick to your stomach feeling is horrendous, but i do feel like a huge weight has been lifted. I will keep in touch and let you all know the outcome once i hear back, she said she couldn't give me a time scale for a response.

 

Thanks to all of you who have replied or commented, it means alot!! X

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Well done nicki. That took guts.

 

What's Best for You?

 

 

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

 

Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

Advice & opinions given by Caro 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.

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It did lol, i surprised myself, but the relief after phoning i wished i had done it sooner, i think a combination of a nice person at the other end of the phone and me just being honest (as much as i dared) helped x

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It did lol, i surprised myself, but the relief after phoning i wished i had done it sooner, i think a combination of a nice person at the other end of the phone and me just being honest (as much as i dared) helped x

I think it's always a relief to start taking control of a situation than worrying about it but not actually dealing with it. :-)

 

What's Best for You?

 

 

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

 

Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

Advice & opinions given by Caro 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.

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  • 3 weeks later...

omg,sent my letter into hmrc over 3 weeks ago,have rung then twice to see whats happening and they just keep saying they are getting to everyone in date order,the wait is making me a nervous wreck,has anybody else had to wait this long,i just want it over with

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Hello everyone, just an update i finally had a letter today, they have just said that i have been overpaid, it's just over £3,000 and i am thankful they have only taken it back to last year 2012-13 and anything from 6th April 2013 to the date i phoned them.

 

So now i need to get my mind round the thought of paying it back, i do feel very thankful that they haven't fined me or worse.

 

Having read plenty of peoples experiences it does seem that if you try and be straight and as honest as you can they are actually ok with you, i am glad i phoned after putting it off through fear, i agree there are probably a few jobs worths that you could end up with on the end of the phone but it seems on the whole they are actually ok and pretty understanding.

 

I just made it clear we are only living in the same house due to the house being in negative equity, because we have separate bank accounts and the only thing we have that links us is the mortgage that probably helped my cause as she did mention she could see the link between us went back a few years!!!

 

Good luck to anyone who is still waiting to hear, i will keep checking back here and i will also get back to you all when i find out how much i am going to be repaying (hoping i can pay it weekly as i am paid weekly).

 

If it helps i also found a site called netmums which i found helpful, do a google search tax credit fraud and look for netmums and you'll find a never ending list of people in the same situation.

 

Remember they are unlikely to prosecute you they only want their money back that they feel you shouldn't have been entitled too!!! xx

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I decided to ring them today, got passed around two different departments and ended up with someone who was really rude, i asked about repaying it weekly, she muttered something about proving i couldn't pay it in full!!!!

 

I politely said if i was in a position to pull £3,000 out of my pocket i wouldn't have been claiming, the snotty response i got was 'most people who claim don't need it'......clearly not going to get into a conversation any further with her so i said i would write to them with an offer of payment, end of conversation!!!

 

It's really annoyed me, i was polite at all times, an i am trying rectify the situation, shame i didn't get her name.... think i was that shocked by her reaction i didn't ask!!

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Hi,

 

Please help...especially Nicky19 if you see this as I read your post. Although mine is a lot worse. I have been claiming tax credits since 1999 when my son was born and when me and his father were together. When we split in 2000 I changed the claim over to a single claim. I met my next partner in 2001 and moved in together. I still didn't change the claim over to joint..stupid I know. We got married and had a little girl in 2006 and still I did not tell tax credits as we have separate bank accounts and his money is his and mine is mine. The last house we lived in my husband owned and he sold it 2 years ago so we could move into a bigger house, the one we are in now. I am still claiming as a single claimant with 2 children and feel so guilty and don't know how to get out of it. All in all I have been claiming as single for past 10 years. Recently my husband received a letter to his mothers address from hmrc (as they have his address from when he claimed years ago as he was a single dad) asking for details on a property he may have sold and need to know information regarding capital gains. I feel ill all the time, sick, cant concentrate and don't know what to do. I don't want to go to prison and cant stop crying about my children.

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My advice is to ring/write to them and change your claim ASAP. Will you be entitled to tax credits as a couple? If not just say you want to withdraw your claim BEFORE they write to you x

scotgal 

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Hi,

 

Please help...especially Nicky19 if you see this as I read your post. Although mine is a lot worse. I have been claiming tax credits since 1999 when my son was born and when me and his father were together. When we split in 2000 I changed the claim over to a single claim. I met my next partner in 2001 and moved in together. I still didn't change the claim over to joint..stupid I know. We got married and had a little girl in 2006 and still I did not tell tax credits as we have separate bank accounts and his money is his and mine is mine. The last house we lived in my husband owned and he sold it 2 years ago so we could move into a bigger house, the one we are in now. I am still claiming as a single claimant with 2 children and feel so guilty and don't know how to get out of it. All in all I have been claiming as single for past 10 years. Recently my husband received a letter to his mothers address from hmrc (as they have his address from when he claimed years ago as he was a single dad) asking for details on a property he may have sold and need to know information regarding capital gains. I feel ill all the time, sick, cant concentrate and don't know what to do. I don't want to go to prison and cant stop crying about my children.

 

Hi space girl, my best advice is to ring them an say you need to update your details, don't tell them any unnecessary info, if you still qualify as a couple just tell them you now have a partner, if you are financially linked via a mortgage or any credit card be careful what you say.

So make it your priority to ring them tomorrow, every day you put it off you will only feel worse.. You will not go to prison and the worst that could happen you'll be in my situation an you'll have to repay anything they think you weren't entitled to.

Just close single claim if your worried about doing new joint claim leave it for now, you can always contact them to update anytime. Your still a step ahead and you'll have already informed them of changes. Keep in touch an let me know how you get on, just remember don't volunteer info. Take care x

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Thanks for the advice. The thing I am worried about is that obviously we got married in 2006 and so I cant really say my partner has just moved in coz as soon as they see his surname is same as mine I think alarm bells will ring.

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Thanks for the advice. The thing I am worried about is that obviously we got married in 2006 and so I cant really say my partner has just moved in coz as soon as they see his surname is same as mine I think alarm bells will ring.

 

This is what I would do:

Call them to cancel claim, if they ask you why, you can say you are about to have a change inI circumstances so you will have to assess new situation an then possibly make a new claim in the future.

I wouldn't worry about you having the same name, plenty of people marry and then separate, if you contact them first that is better than what happened to me, which basically forced my hand as I either needed to provide proof of him being there or not.

 

The way to stay in control is don't let them contact you, please don't worry, it sounds like the house business is nothing to do with tax credits but a tax exercise to do with your other half, which if I were you I would contact cab for advice.

 

Just cancel your claim and try not to worry x

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Hi Nicky,

Well today I rang tax credits and said I wanted to close my claim down as I have started to live with someone. They didn't ask many questions at all and just said that I would now not receive any further payments from them and did I want to do a joint claim. I said not at this time but that I may in the future. Which I wont!!. I feel better for doing this and hope that will be the end of it but who knows. At least I got in first and got the claim stopped. My husband also rang tax office and got that sorted too. Hopefully it will be okay.

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  • 1 month later...

Well done for sorting it out, yes it is a big relief once you've made the call, i am in the process of trying to find out how much i will need to pay back, i am paid weekly so i am hoping to make an arrangement with them, i've phoned several times and sat in a queue so now i've written to them with an offer, it's a small amount weekly but at least i am making some effort to pay it back. I do certainly miss the money as other half is still with his dad at the mo, i've also been in touch with a mortgage adviser to check the situation again as i still think i'd be best off selling up and starting again on my own, my son is about to start his 3rd year at college he's 18, not working (feel for him as he can't even get an interview for jobs he applies for), so money wise it's hard, but cos i do get help with the mortgage i can't complain as i am better off than some people.

 

Will let you know when i hear back about the payment arrangement. x

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  • 2 weeks later...

If ur husband /partners name are on the utility bills u have not got a leg to stand on imvho

have to wonder how much of this carry on is actually going on ..

 

U need to cancel ur claim immdediately ,keep contact to postal if possible if they are looking for details

for one year provide that by post ,do not lie but just provide the info they asked for ,they may just send you

a bill for the year ,tbh if its one year they are dealing with and you have stopped the claim they may leave it at that ....

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I too am in the same situation, due to debts and mortgage arrears we seperated but found that there was no way we could repay debts if two households, so ex moved into spare room...we have never changed any address so council tax etc all come here addressed to mr and mrs...

.I had a letter from wftc saying that they are working with a credit agency and it had thrown up that we are financially linked so why had i claimed as a single person. I claimed as a single person because that is what i thought i was.

 

To cut a long story short....i panicked when i got the letter, didnt think to look on here for advice and did an internet search for legal representation to help me sort this out. I found a london based company who said they could help and that they were really good at what they did and would charge me a fixed fee for sorting it out. I sent them all the information that the tax credits letter asked for and a covering letter explaining the situation here at home. I then got an email to say they would definately be able to help me within this fixed sum so i borrowed the money from someone and paid them. Yesterday i got a long email saying they had spoken to the tax credit people and they would be able to help me but i had to pay them almost a thousand pounds.

 

I do not have this, and from looking on here feel that I should write to the tax credit people and admit that i am at fault for not letting them know that ex was living here, an offer to pay back whatever they deem I owe....Please could someone advise if this is the best way to do it...Like the other people on here I am guilty of not telling them, and cannot prove that we have separated.

thank you for any help

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Elly19, I had a similar situation except that I had notified the TCO of our living arrangements & they said it was fine to continue my single claim.

When my case was checked by Compliance I couldn't prove that I was single & we were linked by Council tax & the mortgage so I am now repaying 2 years worth of overpayment.

 

Maybe someone else can advise of the best thing to do but in my experience they didn't want to know even though they had a record of me notifying then that my husband was 'lodging' here.

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what should I do, thank you for your reply, I think in my mind I know I need to reply to them and ask them to allow me to repay them, but I would also like to know what others think of the agency I was going to use and their costs...my gut tells me I should write to the TCO myself but i would be interested in what other people think.

thanks again.

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From reading other posts where people have lived separately - you need to provide proof that you have paid all of the household bills & give them another address where your ex has been registered (which they will check). Also, check posts on Netmums - if you look back there a few people in the same situation as you (ie, have split from partners but can't afford to run 2 houses) so you may get more of an idea of what TCO have/have not accepted as being 'single'. As for the company you contacted I can't see that they can do anymore than you can - TCO will tell you what to provide & if you can't they will order a repayment, I'm not sure what any other company can change regarding the outcome.

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