Jump to content


  • Tweets

  • Posts

    • In my experience (not with car payments) but with many other things, my partner has been ill and signed off in the past and we have been unable to meet various commitments.  Naturally if you ring the call centre they are going to fob you off and tell you you must pay, that's why that never ever works. I would obtain a note from her GP listing all her health issues plus medications plus side effects, then write to the finance company with a copy of it, explaining the situation, as you have here, asking for a payment holiday. Perhaps mention that the car is very much needed for hospital appointments etc. It's likely the finance company would rather you pay till term end than, chase you for money they will never see, and sell the car at auction for a loss,  You can search some of my threads going back years, advising people to do this for Council Tax, Tax Credits, HMRC, Even a solicitors company and it always works, because contrary to popular belief people are reasonable.
    • Sorry, I haven't ever seen one of these agreements. Read it all and look out for anything that says when she can withdraw and when she is committed to go ahead. If it isn't clear she may need to call the housing provider and simply say what you posted here, she doesn't want to go ahead and how does she withdraw her swap application?
    • Thank you! Your head is like a power bank of knowledge.  Her health issues are short term, due to a relationship breakdown she took it pretty hard and has been signed off work on medication for 3 months. She only started her job in February 24 so does not qualify for any occupational sick benefits, which is where the ssp only comes in. (You will see me posting a few things over the coming days, whilst I try and sort some things for her)  I sat with her last night relaying all this back and she does want to work out a plan, she was ready to propose £100 for the next 3 months and then an additional £70 per month onto of her contractual to "catch up" but Money247 rejecting the payment holiday and demanding £200 thew her, which is why I came on here.   
    • I've looked at your case specifically more.   Term 8bii reads " when, in accordance with instructions from the Customer or the Consignee, the Consignment is left in a safe place" Their terms choose to not define safe, so they are put to proof that the location is safe. If your property opens onto a street its a simple thing of putting a google earth image and pointing out that its not a safe place
    • New rules and higher rates resulted in a jump in the number of savers opening accounts at the start of this year's Isa season.View the full article
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • 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.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      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
        • Like
  • Recommended Topics

HMRC Wanting money my partner doesnt owe help please - we live in NIreland :)


wiseajak
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3876 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

I like 1 of the comments by OP, something like he doesnt think he owes it but even if he does we are on benefits,

 

Does your OH not know what he earnt,

he obv didnt keep some aside for tax bill, assuming any is owed.

 

How long was your OH self employed for before work dried up.

 

How much did he earn in that time.

 

Did he complete a self assessment either online or paper.

Link to post
Share on other sites

Hello

 

So sorry i hadnt replied iv been in and out of hospital and just been very stressed in general.

 

He contacted them again just now and explained it all over again,

 

I told my partner what you had said and he said to the guy on the phone about collections and assesment and he advised the following

 

He said that the letter was automated and to ignore it, that he (my partner)was in consultation with hmrc and all the relevent forma he needs to fill out and send back are on there way to him, these being self assesment forms for the years needed, and they may take up to 14 days.

 

He further apploigised for the streas caused and the lack of communication that had been left on the system as their was limted info on the previous attempts to sort this.

 

He needs to fill out the SA's and return them to proove that he is on benefit and the issue should sort itself out.

 

Im sorry if thats very brief and i get myself into a tizzy as i get stressed very easily.

 

Yes the derterminations were on the non return of SA basis, amongst interest etc

 

Good that my previous advice is relevant (it is for failure to complete SA returns and resultant 'determinations')

 

There is communication between "assessment" and "collections", but mostly it is that collections can see assesment's notes.

If the person your husband spoke to was concentrating on getting the SA returns back, it is likely he was on the "compliance" / "assesment" side : "collections" don't send those out. However, the phone number listed on a letter discussing 'distraint' is likely from "collections" or one if the 'field' teams.

 

If he spoke with 'assesment' you'd be wise to also contact collections and get them to agree a "hold" on collection activity. If you can agree a "hold" and a review date with them you'll have peace of mind.

 

If you then start to get the returns back to them, collections will be able to see this if you call up on any review dates agreed. See my previous advice for which returns to concentrate on regarding timescales. Once the ones with greatest accruing penalties are dealt with, followed by any which are likely to be beyond amendment (due to a six-year cut off) are dealt with go with the earliest first, unless there is one that has the largest 'determination'.

 

This will then keep "collections" content as they see any figure "owed" decreasing : you can then agree continued "hold"s as you get more returns back.

 

Expect to still have to pay penalties for late filing even if no tax is owed.

 

http://www.hmrc.gov.uk/sa/deadlines-penalties.htm#3

 

Length of delay Penalty you will have to pay

1 day late A penalty of £100. This applies even if you have no tax to pay

or have paid the tax you owe.

3 months late £10 for each following day - up to a 90 day maximum of £900.

This is as well as the fixed penalty above.

6 months late £300 or 5% of the tax due, whichever is the higher. This is as

well as the penalties above.

12 months late £300 or 5% of the tax due, whichever is the higher.

 

In serious cases you may be asked to pay up to 100% of the tax due instead.

These are as well as the penalties above.

[End QUOTE]

 

These are penalties for late filing, and independant of tax owed : so (even) with no tax owed the sums are:

1 day late, £100

90 days late, £1000

6 months late, £1300.

 

With tax owed, the late filing penalty sums remain the same, unless the tax owed is more than £6000, (where 5% will be greater than £300), while there is a distinct interest charge on late tax of 3% per annum, as well as penalty charges on the late tax, as well as the late filing penalties

 

These increased penalties started in the 2011/12 tax year.

Link to post
Share on other sites

Tezza i dont appreciate that comment. Yes we are on benefits and if he is liable then he will pay whe can each month no questions weve been trough the mill as of late and its been stressfull.

Bazza yes it appears u was on the money there i really do appreciate your advice i will get him to ring the other dept and arrange a hold on the collection.

 

There arnt any penatltie on the bill as there is a breakdown on the back of interest and tax but no penatlies as such.

Link to post
Share on other sites

  • 2 months later...

Ok im back.... Help please on thread above plus this...

 

 

My bf got another letter in responce to tax returns he filled in

they told him that as hed been on benefits he had to fill in the missed years tax returns and that would wipe the debt

.... I thought it sounded fishy....

 

the reply on the letter was because they are late and after a certain date the determination will remain in force minus penatlys that have been cancelled.

 

So because he was lax a daisy he has to pay something he doesnt owe but because its late they want it anyway.

 

Im worried because im scared of losing my property,

 

theres no way me or him can afford what they are demanding just over £3k

 

... Its in his name but im worries they will send people round and take my belongings .

 

Everything in the house we live in is mine except some tools which he would use for employment when he has it.

 

Iv lost everything before when i was younger thanks to my mother

and im scared if losing it again plus the fact im pregnant just had an operation for cancer

and i have bad depression i really can deal with it all.

 

His answer is to bury his head in the sand and leave it but it panics me.

 

What can i do??

 

We live in northern ireland so i dont know if rules are differnet here as in england.

 

Can they take my things and my babys!?

 

 

Please help!!!

Link to post
Share on other sites

no they cannot take anything not belonging to HIM

 

and his tools are exempt IF IF IF it EVER came to that!!

 

they'd have to goto court FIRST too.

 

then he'd have to have refused to pay the court

 

then they COULD involved bailiffs

not some no-powers DCA

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

prob via a sworn statutory declaration.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...