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    • make a new topic for each company. scan up to PDF their full responce   that way we wont be getting your knickers in a twist   most likely scenario will be straight off to the FOS if they've sent their final response don't forget very few will ever cough they did wrong at the 1st try use this thread for general info concerning all of them
    • Hi Guys   So a number of weeks ago I began the process of opening IRL claims on 35 payday loans.    15 of the loans are ongoing, with monthly credit commitments standing at around £2k per month.    I have so far written and sent letters of complaint on these 15 loans (to 10 different companies).    I have outline drafts for the other 20, although the structure is largely the same.    I have run out of momentum in a big way but having had a short break with my young family I am getting back on the case. I have begun to receive replies from the Companies in question, none of which have been favourable thus far. I have also not spoken with and come to an arrangement on a payment plan for a handful, which is adding to the stress and impact on my mental health.    My intention with this topic is to try to lay out in as concise a way as possible the history of these loans, the key figures involved and also an example of the letters that I have sent thus far.    From there I will share the responses that I receive and further action thereafter.    I am unsure on a number of issues if I am honest. I do not think that I provided anywhere near enough evidence in my letters, which is probably going to lead to a string of rejections. I can not afford to repay the loans under the initial terms and in any case I have no intention of repaying a single penny over the loan capital.    I am concerned about the effect that this will have on my credit file, the security of my mortgaged house, the prospect of bailiffs etc. should I run into problems while waiting for The Financial Ombudsman.    I feel it is therefore in my favour that I have not yet sent the other 20 letters, which request a refund of interest totalling nearly £4k, as I expect to have a much stronger case within a couple of weeks.    I am off to search the forum as I recall seeing a post about Etiquette when posting files, and I will have quite a few to upload. First being a spreadsheet which I hope will give a clear understanding of all of this.    Most of all I am hoping that, by the end of this process, my journey will give even a single person the means and hope to get themselves out of a similar position.    Thanks for reading.   Pierre.    
    • I am back as I today have got Notice to registered keeper showing parking charge amount due now is £100.   What shall I do now? ignore or appeal?   Please see below my answers now that I have received NTK.   1 The date of infringement? Answer: 18th June 2019   2 Have you yet appealed to the parking company yet? [Y/N?]  Answer:  I haven't appealed yet.  If you haven't appealed yet - ,.........   have you received a Notice To Keeper? (NTK) [must be received by you between 29-56 days] what date is on it Answer: couldn't find the date however I received it today (22nd July 2019) Did the NTK provide photographic evidence?  Answer: Yes, although it only shows the number plate of my car.   3 Did the NTK mention Schedule 4 of the Protection of Freedoms Act 2012 (PoFA) [Y/N?]  Answer:  No.     4 If you appealed after receiving the NTK,  did the parking company give you any information regarding the further appeals process? [it is well known that parking companies will reject any appeal whatever the circumstances] Answer: I haven't appealed yet.   5 Who is the parking company? Answer: MET Parking Services Ltd.   6. where exactly [Carpark name and town] did you park? South Ruislip ASDA, (840) Arla old dairy    Please also see the attached copy of the NTK that I have received. Scan 22 Jul 2019.pdf
    • What would be the orders of the courts in this scenario? The only court involvement normally is the rubber-stamping of a bailiff warrant. What other court interest is there?
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Surfer01

Benefit fraud

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I came across these figures. Benefit fraud may be a pain in the backside. However there is a need to keep things in perspective.

 

Interesting figures;

£120 billion-tax avoided, evaded and uncollected (Tax justice and PCS estimate)

£30 billion-tax avoided, evaded and uncollected (HMRC estimate)

£16 billion-benefits unclaimed (HMRC estimate)

£1.4 billion-benefits overpayments due to error (DWP estimate)

£1.2 billion-benefit fraud (DWP estimate)

 

So why do our newspapers and politicians concentrate their firepower and venom upon benefit fraud?

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I came across these figures. Benefit fraud may be a pain in the backside. However there is a need to keep things in perspective.

 

Interesting figures;

£120 billion-tax avoided, evaded and uncollected (Tax justice and PCS estimate)

£30 billion-tax avoided, evaded and uncollected (HMRC estimate)

£16 billion-benefits unclaimed (HMRC estimate)

£1.4 billion-benefits overpayments due to error (DWP estimate)

£1.2 billion-benefit fraud (DWP estimate)

 

So why do our newspapers and politicians concentrate their firepower and venom upon benefit fraud?

 

Maybe because the poorest in society are easier to target..

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So why do our newspapers and politicians concentrate their firepower and venom upon benefit fraud?

 

That's a very interesting read, Surfer. It's a shame as you say that the press and our politicians are focussing on benefit claimants when getting unpaid taxes back would make such a difference to the economy, going by these figures.

 

I wonder if they find benefit claimants easier to pick on than tax evaders...

 

HB


Illegitimi non carborundum

 

 

 

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So why do our newspapers and politicians concentrate their firepower and venom upon benefit fraud?

 

That's a very interesting read, Surfer. It's a shame as you say that the press and our politicians are focussing on benefit claimants when getting unpaid taxes back would make such a difference to the economy, going by these figures.

 

I wonder if they find benefit claimants easier to pick on than tax evaders...

 

HB

 

Of course it's easier to pick on benefit claimants they have no money to get help and are too busy worrying about feeding themselves.

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Personally I think it is because it makes such great headlines in those quality newspapers such as the Daily Mail. Remember the the DM is read by Middle England who are not going to want their tax avoidance picked on (you know, they pay the decorator cash in hand etc). It makes even better headlines if you can pick on someone "non British" or even better someone "non british" AND non white.

 

Also sadly a greater percentage of people on benefits are less able to assert their rights and take on the system


Any opinion I give is from personal experience .

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I came across these figures. Benefit fraud may be a pain in the backside. However there is a need to keep things in perspective.

 

Interesting figures;

£120 billion-tax avoided, evaded and uncollected (Tax justice and PCS estimate)

£30 billion-tax avoided, evaded and uncollected (HMRC estimate)

£16 billion-benefits unclaimed (HMRC estimate)

£1.4 billion-benefits overpayments due to error (DWP estimate)

£1.2 billion-benefit fraud (DWP estimate)

 

So why do our newspapers and politicians concentrate their firepower and venom upon benefit fraud?

 

 

Because people who run newspapers, advertise in newspapers, are friends with politicians or who lobby politicians are the same people who are avoiding paying tax and don't want the tax system changed. (or if they do want it changed, it's so that they can pay even less tax)

 

 

Those with money set the agenda and tone of newspapers and politicians.

 

 

By definition, the poor have no money.


We hang the petty thieves and appoint the great ones to public office ~ Aesop

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Because politicians are mates with these multi millionaire business men: they went to the same school in Oxford and Cambridge.

 

Won't dare to say they get pocket money from these friends for helping them with their business. Only the Work Programme is a £5 billion affair and the primes share the profits. Many politicians have a second job, a business perhaps.

 

It is true that they turn the public against migrants and the weak. And the way they lie is astonishing [to win the elections].

 

Only after reading the Hansard debate for the 17 Jan 2014 House of Commons Second Reading of the benefit entitlement restriction bill for EU migrants did I realize that it is all rhetoric to win the elections and they unable to restrict benefits of working EU migrants. Jobseekers as well. They threw out the bill admitting it breaches EU law.

 

Then 3 days later in the media new rhetoric and new proposals: "No benefits for EU migrants for 2 years". You just said it 3 days ago that you can't do it so why lie to the public. Most of us are here to work and pay NI and tax. "UK taxpayer benefits for UK citizens." Lots of migrants pay into that UK tax pot so why can't they take out anything if they lose their job? Maybe not after 2 days work but after minimum 6 months work.

 

The slogan is to win the elections and if you read the Hansard you will be shocked. They admit it their hands are tied and can not change the law, EU states would veto it and it would breach EU laws and directives- UK would be taken to court.

 

The UK benefits a lot from being in the EU [no taxes on import / export, is it] but does not want to keep their share of the deal.

 

http://www.theyworkforyou.com/debates/?id=2014-01-17a.1138.0&s=education

 

They say they have no means of asking the nationality of the claimant, the NI does not show it either. DWP is not connected with the Home Office system so does not know how long migrants are here.

 

They photocopy JSA EU migrants passport for proof of ID so they know the nationality. But it seems they are not allowed to ask it in benefit claims. Classic.

 

How will you restrict benefits for EU migrants if you not allowed to ask nationality? British is EU as well. Seems like not allowed to discriminate.

 

Then why the crazy proposal / bill to only give HB to EU migrants who are married to British citizens? Not saying Labour would be better.

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My local WP found 175 jobs for their clients last year and were making big noise about it. They however employ at least 5 full time staff as well as lots of IT infrastructure , rent heating etc etc.

 

It is all a massive con and then the job centre expect people who can not read or write to apply for x jobs per week with no support. If not they sanction them and reduce the unemployment figures

 

This is not a party political stance as i think labour were just as bad .

 

The standard option for the long term unemployed seems to be "cleaner".

They are expected to work like a dog at unsociable hours in out of the way places for minimum wage. Don't get me started


Any opinion I give is from personal experience .

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Question

 

Why have the government banned loan sharks

 

 

 

Because they don’t like the competition

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My local WP found 175 jobs for their clients last year and were making big noise about it.

 

The question to ask is "how many claimants are currently on your books ?"

If it is say, 2,000 claimants, then 175 jobs found is pretty dire.


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