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    • Ok, so just been to see my friend, she still has her head firmly in the sand and had a pile of unopened post, thankfully nothing serious apart from this case!    In answer to your question it says N24 General Directions Order at the bottom of the page, then on page 2 where the line says "As a result of an order made on the 1 May 2024, this claim has been transferred to the county court at ##### (friends local court) " this is N271 Notice of transfer of proceedings.  Within the stack of letters I found 2 from Kearns Solicitors,    02-12-2022 Document pack with covering letter stating under the s78 CCA please see enclosed  1) A copy of the executed Credit Agreement, 2)  A copy of the terms & conditions 3) A copy of the varied terms & conditions applicable at termination / assignment, and  4) A statement regarding the conduct of your account as requested by s78(1)(a) to (c)  (Would you like me to describe the documents attached?)   18-02-2023 Generic letter asking for her to contact them to discuss settlement or they will take to court for further legal action. 
    • well you made the cardinal sin by phoning these scammers at least once so their persistence could go on. however you are new so there you go. you never ever ever phone any of these likes of scammers on these fake schemes that seem plausible.  just like a DCA chasing any old debt .. they are NOT BAILIFFS and have  ZERO legal powers to actually do anything. dx  
    • Okay understood now just based on personal experience how long does this go on for 
    • civil recovery schemes run by the likes of RLP DWF etc etc are a scam. totally IGNORE EVERYTHING. no if's or but's dx  
    • I’m 17 years old and Received 2 letters from dwf with my name spelt wrong and they are asking for for £230.40. I rang dwf civil recovery the first time upon taking advice from citizens advice to explain to delay to deadline as I was in the process of receiving advice which wasn’t much help. When that deadline was done I then called again to delay the deadline as I’m struggling financially and it’s lot of money they are asking for and I tried to dispute the cost to which they said okay we will delay it another 7 days for you to dispute the cost but I asked them how do I dispute this to you or Sainsbury’s and they said “we can’t advise you on this matter” I’ve read a lot of threads saying to ignore them but I was unsure now as I’ve made contact and have tried to dispute the payment and pay it which might mean I have admitted. Would they just persist harder and take me to court eventually or file for a ccj.   I would like to ignore them still but I would like to send a strong email so they know I’m clued up and then ignore them. I also want to pay the reasonable amount and get this matter solved. any advice on the law or similar situations are helpful when I called them I asked for an itemised bill. £101 stolen goods  ( supposedly caught me because they watched me on cctv over the duration of the week) also why did they not stop me in the first day. £20.40 recovered goods £150 security costs     Thank you 
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      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.

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Tax credits, confusing letter..


thedryad
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Hi all, a couple of weeks ago I received a letter from the council (housing benefits) saying that our benefits had been suspended because they'd been informed that our tax credits had stopped. News to me!

 

So I phoned tax credits and apparently they hadn't received my renewal! Anyway, they reinstated them and I had 2 payments made into my account this week to bring me back up to date, and was told that I would continue to receive £122 a week. However I still wasn't able to get the housing benefit suspension lifted untill I received my award notification from tax credits.

 

Well today I had 2 letters come through - a provisional and a final - both pretty much identical in content - and I don't understand it! I tried ringing them but they are closed now and I'm a worrier so if anybody can clarify this letter for me and put my mind at rest I'd be very grateful!

 

[ATTACH]46169[/ATTACH]

 

[ATTACH]46170[/ATTACH]

 

[ATTACH]46171[/ATTACH]

 

[ATTACH]46172[/ATTACH]

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Oops I think they're too small to read.... it says - Tax credits for the period above (06/04/2012 - 05/04/2013) - £6190.40

Amounts still to be paid to you for the period shown above - £0.00

 

 

We have made a final decisions on your award based on the following information about your income.

Your income for the year 6 April 2012 t0 5 April 2013

Mr - taxable benefits - £2860

Earnings as employee - £0

 

Mrs - Taxable benefit 5696

earnings as employee 0

Total income for the year 6 April 2012 t0 5 April 2013 £8556.00

 

Then it lists the elements, including disability element and family element, and gives a figure of 6190.40

But says under the payments section "amount due to you" £0!!

 

I don't understand why I was told on the phone that it had been reinstated, and have been receiving them again after it was reinstated, but the award notice says nil!

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set your default scan page size to A4 less than 300DPI [150 will do]

scan the required letters/agreements/sheets - as a picture[jpg] file

don't forget you can use a mobile phone or a digital camera too!!

'

BUT......

ENSURE: remove all pers info inc. barcodes etc using paint program

but leave all monetary figures and dates.

*********************************************************

{DO NOT USE A BIRO OR PEN OR USE SEE THRU TAPE OR LABELS]

try www.pdfescape.com TO BLANK STUFF,

*************************************************************

or

DO IT IN MSPAINT.EXE or any photo editing program

goto one of the many free online pdf converter websites ...

http://freejpgtopdf.com/

..

if you have multiple scans/pics

put them in a word doc FIRST and convert that to PDF

or use www.pdfmerge.com

 

convert existing PC files to PDF [office has an installable print to PDF option]

..

 

it would be better to upload a multipage pdf if

you have many images too rather than many single pdfs

.

or if you have PDF as an installed printer drive use that

or use word and save as pdf

try and logically name your file so people know what it is.

though dont use full bank names or CAG in the title

i'e Default notice dd-mm-yyyy TSB

.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

.

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... 

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It is your finalised award notice for 2012 - 2013 and can be used as proof of entitlement for that tax year.

 

It has absolutely nothing to do with entitlement for 2013 - 2014. You will probably need to chase up tax credits for your award notice/proof of entitlement for this year if you still haven't received it within a few days.

RMW

"If you want my parking space, please take my disability" Common car park sign in France.

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Because you sent your renewal form back. Each year tax credits base your award on your previous year's earnings. At the end of the year you send proof of your actual earnings and they adjust the award if necessary and send you a finalised award notice.

RMW

"If you want my parking space, please take my disability" Common car park sign in France.

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