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    • Thank you Andy no nothing has changed its still the same for £7700 I was going to include the interest and costs, but I understand the claim now a little better, we have been told to work from home, I have printed off the N244 as I could not save a copy I have detailed everything as stated.   I will post up the two letters to be attached the defendants and my daughters, can ii add that she gives me permission to represent her in court as she will be abroad when the claim goes to Court I can get a witness statement from her to confirm this too.   So with the application N244 completed as above for £7700 plus costs and interest I will attache my daughters letter as detailed under Sec 19 (2.1) Defendants letter giving no objections    I will send this by email tonight after I have finished work
    • It's a shame that you don't have pictures of the damage packaging. Not very clever of the recipient not to have taken these photos. Find out all the information you can. Careful preparation and lots of evidence is important. Whether I think you have a good case will not especially relevant. At the end of the day it is you who will have to decide whether you want to fork out the court fee and have a go at getting your money back. Your's to win and your's to lose
    • @BankFodderthank you again for your reply, I really appreciate it.   I will go through the machine procedure again today. I'm so relieved to hear you think I've got a good case against them.    I have been sent my guitar back from the buyer and he has been refunded in full.    I have photographs of the guitar dated day of listing on eBay and then the photos the buyer sent me of it damaged.    Oh yes, huge lessons and I won't be putting anything of such value in the post again! 
    • Seeing as most here  hate Johnson and the Tories who do you suggest we have running the country?   I am not a fan of Johnson but nor do I like the Labour party lol,    just a general question   Sandy xx
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    • I came across this discussion recently and just wanted to give my experience of A Shade Greener that may help others regarding their boiler finance agreement.
       
      We had a 10yr  finance contract for a boiler fitted July 2015.
       
      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
       
      It all started mid summer during lockdown when they refused to service our boiler because we didn't have a loft ladder or flooring installed despite the fact AS installed the boiler. and had previosuly serviced it without issue for 4yrs. After consulting with an independent installer I was informed that if this was the case then ASG had breached building regulations,  this was duly reported to Gas Safe to investigate and even then ASG refused to accept blame and repeatedly said it was my problem. Anyway Gas Safe found them in breach of building regs and a compromise was reached.
       
      A month later and ASG attended to service our boiler but in the process left the boiler unusuable as it kept losing pressure not to mention they had damaged the filling loop in the process which they said was my responsibilty not theres and would charge me to repair, so generous of them! Soon after reporting the fault I got a letter stating it was time we arranged a powerflush on our heating system which they make you do after 5 years even though there's nothing in the contract that states this. Coincidence?
       
      After a few heated exchanges with ASG (pardon the pun) I decided to pull the plug and cancel our agreement.
       
      The boiler was removed and replaced by a reputable installer,  and the old boiler was returned to ASG thus ending our contract with them. What's mad is I saved in excess of £1000 in the long run and got a new boiler with a brand new 12yr warranty. 
       
      You only have to look at TrustPilot to get an idea of what this company is like.
       
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    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
       
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
       
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
       
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
       
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
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HMRC plan to scrap £100 fines for late tax returns


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Hundreds of thousands of people will no longer be hit with £100 fines for failing to complete their income tax returns on time, under radical government plans.

 

HM Revenue & Customs has admitted that its penalties regime may be too rigid, and is drawing up proposals to end fines for taxpayers who miss the deadline “by a day or two”.

 

New rules outlined for public consultation could see people who owe the government tax charged higher interest rates on their debts to encourage them to pay sooner, instead of being hit with automatic fines.

 

A system of penalty points – similar to motoring offences - could also be introduced so that financial sanctions apply only to people who persistently fail to pay their tax bills.

 

 

http://www.telegraph.co.uk/finance/personalfinance/tax/11398244/HMRC-plan-to-scrap-100-fines-for-late-tax-returns.html

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Not before time.

 

A few years ago my accountant had all my paperwork ready to submit by 31 January. On the 25th the people he worked through rang to say he had collapsed & died but they would get everything sorted. Spoke to HMRC and their attitude was "we've heard this before you'll get the automatic fines & have to pay them". Managed to rack up £1200 worth of fines until it was sorted but refused to pay in the meantime despite the usual threats. Eventually they relented and scrapped all bar £200 which is still unpaid and now stands at £260 inc interest. They won't & can't explain why. Their procedures are so archaic & had an admission once that 1 tax office cannot talk to another unless by letter or fax.

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It took me 4 years and numerous letters to argue just two (2) late fees that were wrong in the 1st place. Lucky I had them cancelled this year.

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Is this down to the job cuts at HMRC? Maybe they can't keep up with all the staff shortages?

 

Tax is voluntary. Can someone actually name the law that applies to the tax on labour?

 

Although the establishment would never hear such a case.

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I'm probably in the minority, had £4k+ of 'fines' and made up demands written off by HMRC last year. Needless to say I've kept the letter on file stating I actually owe them nothing.

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Tax is voluntary. Can someone actually name the law that applies to the tax on labour?

 

Although the establishment would never hear such a case.

 

I went off sick in 2012 for two years and didn't get any benefits so I opted out of Income Tax. I haven't filled in a tax form for three years now and I put it in the Conditional Offer & Notice of Terms that I would not be liable to income tax, form filling or penalties. I will not be part of a scheme which takes my money when working then gives nothing back when off sick. It is a breach of contract and as there is no contractural consideration, therefore unenforceable. I paid into the system for 38 years.

 

And no, there isn't a law which say a human being should pay tax!

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Tax is voluntary.

I don't think that is the case. A simple online search will throw you into the complex mire of UK taxation law.

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