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    • I'm removing two posts here – one because it refers to "… All from the same ethnic background" and the second one referring to the fact that the customer was Spanish. The first, particularly by king12345 has a strong racist tone about it and is completely unwelcome here.  king1 2345 has been here long enough and knows very well that this is not what we do. ==============================================================================   In terms of the building and insurance problem, it certainly sounds if you are being treated very badly and we would be very happy to help. Unfortunately I find your story is rather unclear – probably because there is a lot of narrative and I'd be grateful if you could clarify your story and in particular breaking down the insurance job and the rest including giving their values. Do you know if the insurance money has been paid to the customer or is the insurance company simply waiting for some kind of approval. You say that the insurance company has signed the job off and so this suggests to me that they are satisfied but what worries me is that they may already have paid the money to the customer who is merely withholding it from you rather than authorising the direct payment of the insurance money to you. Your story needs substantial clarification please. Finally, does your customer own the property? If you are not sure then you should consult the land registry website to ascertain the owner of the property
    • update:  Tried with new micro filter and still no difference in the speeds.  Called plusnet and they sent this 🤪 although looks like there was interference in the line which i never picked up   
    • Hi dx100uk   He is the information you asked for.   OC: Capital One    Type of debt: Credit Card    When taken out: 29/10/2017   Current owner: Capital One    Defaulted date: Hasn’t Defaulted    Outstanding sum: £156.52   ———————————————————————   OC: Vanquis   Type of debt: Credit Card    When taken out: 21/05/2018   Current owner: Vanquis   Defaulted date: 31/05/2019   Outstanding sum: £355.00   ———————————————————————   OC: Ocean    Type of debt: Credit Card    When taken out: 09/09/2018   Current owner: Ocean   Defaulted date: 07/06/2019   Outstanding sum: £318.00   ———————————————————————   OC: Instant Cash Loans T/A Payday Express   Type of debt: Payday Loan   When taken out: 22/01/2014   Current owner: Instant Cash Loans T/A Payday Express   Defaulted date: 04/06/2014   Outstanding sum: £492.00   ———————————————————————   OC: NatWest   Type of debt: Current Account    When taken out: 05/08/2003   Current owner: NatWest   Defaulted date: 30/04/2016   Outstanding sum: £468.00   ———————————————————————   OC: British Gas   Type of debt: Utility Gas Account   When taken out: 01/08/2015   Current owner: British Gas   Defaulted date: 06/09/2018   Outstanding sum: £712.00   ———————————————————————   OC: British Gas   Type of debt: Utility Electric Account   When taken out: 01/08/2015   Current owner: British Gas   Defaulted date: 06/09/2018   Outstanding sum: £819.00
    • Thanks DX re counterclaim. Just to clarify regarding witness should I just put one on the N180 and at court just take a witness statement from partner?  
    • I am hoping someone can advise me regarding my salary. I work as an emergency response driver for a private medical transport company. I work 6 x 24 hour shifts on call(total of 144 hrs) followed by 2 rest days(48 hrs). I work from my home address, with a company vehicle parked outside. During my six on call shifts, I must be available to respond to any task given to me (by phone-call) within a certain time. As you can imagine, while on call I am very limited to what activities I can take part in. Due to the nature of my role and the need to respond within 30 minutes to 90 minutes I am somewhat tied to my home. Obviously I cannot consume alcohol, go for family meals, go shopping etc. Even while attending hospital appointments, popping to the shop I must wear my uniform, take the vehicle with me and be contactable and ready to respond. It has been brought to my attention that on call time is now classed as working time if you must be at the disposal of your employer during that on call time.   Is that correct and if so, should I be paid at least the minimum wage while on call. I am currently paid an annual salary of £22,000 for being on duty an average of 6,570 hours per year which would put my hourly rate at well below the minimum( not including annual leave).   Any advice would be greatly appreciated. Thank you.
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ChloeLT

Have i committed benefit fraud??

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me and my partner moved in together in July 2014 and i have forgotten to let tax credits know to change to a joint claim (Only realised today) my partner works full time and brings home around 1400 a month. Were in loads of debt as it is

 

My anxiety is kicking in overdrive thinking im going to get fined and sent to prison!

 

I havent phoned tax credits yet as im petrafied.

 

any advice would be great

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give them the details so they can calculate and stop the overpayment.

then you can negotiate a repayment plan.

 

by proactivly addressing the situation you massivly reduce prosecution.

 

the longer you leave it however, the worse it will get.

 

now you have found this site maybe we can help with the debts tooo


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The SabreSheep, All information is offered on good faith and based on mine and others experiences. I am not a qualified legal professional and you should always seek legal advice if you are unsure of your position.

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Thank you, will my partner have to be with me when i make the phone call (when i pluck up the courage?)

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Another helpful bit of advice

 

Do not make a phone call

 

Prepare a draft letter here without personal details.

 

Explain what happened and when and that due to your anxiety you forgot to inform them of a change of cirumstances. You would like to update your corcumstances with them and make an arrangment to pay back any over payments.

 

Send the letter to the correct department recorded delivery.

Keep a copy and also attach proof of posting and receipt.

 

Others here will be able to tell you what to expect and help.

 

For your other debts. you may want to start a new thread so we can help you tackle those.

 

In that thread for each debt you will want to list

 

Original company debt was with.

Rough Amount

Type of Debt - Credit card/overdraft/catalog/loan/utility bill

Which company OWNS the debt now.

When was the account taken out.

What is the state of play with the debt? EG still with original creditor/sold to dca/County court claim issued/ccj obtained.

 

It might seem like a massive mountain to climb BUT you empower yourself by getting the information and start tackling them. Once you have the first under control you WILL begin to feel better about yourself


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The SabreSheep, All information is offered on good faith and based on mine and others experiences. I am not a qualified legal professional and you should always seek legal advice if you are unsure of your position.

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Hello there.

 

I would also encourage you to tell them about the overpayment. Prison is extremely rare, so unless you've overclaimed a huge amount or done this before, I think the most likely thing is a repayment plan, as others have said.

 

HB


Illegitimi non carborundum

 

 

 

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Sorry I have to disagree with the above. Writing to them can take weeks to deal with and will increase any overpayment due.

 

Calling to report the change is the quickest and easiest way to resolve this. They will end the claim there and then from the date you lived together. An overpayment will be calculated and letter sent to you to confirm.

 

They will go through an eligibility check for a joint claim and if eligible they will send you a form. It is then likely that your overpayment will be recovered from your new claim.

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I agree with blondebubbles in this situation.. telephone them - you can always send a letter directly afterwards with a summary of the call.


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Advice & opinions given by citizenb 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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Point taken. Do both.

 

I was taking into account ops psycological wellbeing as well. Op can set aside from now all the benefit money coming in.

 

But either way. The letter is proof that op can use to demonstrate they are trying to sort things. So even after phonecall do a letter summarising phonecall


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The SabreSheep, All information is offered on good faith and based on mine and others experiences. I am not a qualified legal professional and you should always seek legal advice if you are unsure of your position.

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Sabre, I understand your logic and would normally agree that telephoning is not the correct route.. but in this instance and as it is a government debt, then I think dealing with the situation swiftly is the way to go.


Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -

HERE

2: Take back control of your finances -

Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors?

Read Here

4: Staying Calm About Debt

Read Here

5: Forum rules - These have been updated -

Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

 

 

Advice & opinions given by citizenb 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.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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BB is the expert, if they think ringing is the way to go, that's what I would do. Generally people report back that the phone people are pleasant to them.

 

BB, would it be worth following up the phone call with a letter to confirm please?

 

HB


Illegitimi non carborundum

 

 

 

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BB is the expert, if they think ringing is the way to go, that's what I would do. Generally people report back that the phone people are pleasant to them.

 

BB, would it be worth following up the phone call with a letter to confirm please?

 

HB

 

I don't personally see what good the letter will do.

 

Any overpayment will be calculated based on monies paid after the OP started living with their partner. The overpaymrnt won't be reduced on the basis that she OP is now reporting the change.

 

I would only see this being beneficial if it was a compliance check as then penalties would be involved.

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Personally I would inform the council also if you are in receipt of any housing or council tax benefits, as council tax has a single occupier discount if you live alone, if not you are no longer entitled to this. The councils generally arn't as pleasant as the tax credit office. I once sent them a letter after changing my hours at work to inform them. Over a year later when pregnant with my second child I moved home and within days of moving in received a letter saying they were investigating me for benefit fraud. They put me in a little room with 2 men 5weeks after giving birth and interviewed me under caution, one of the men stated I used the word intentionally alot and asked if I had googled it, anyway this was to do with me apparantly not informing them I had changed my work hours, they were pretty sheepish when I presented them with a copy of the letter I had posted to them recorded delivery, luckily I kept the proof. but as I said make sure you inform them asap. Hope you get sorted.

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I don't personally see what good the letter will do.

 

Any overpayment will be calculated based on monies paid after the OP started living with their partner. The overpaymrnt won't be reduced on the basis that she OP is now reporting the change.

 

I would only see this being beneficial if it was a compliance check as then penalties would be involved.

 

Thank you BB, I didn't realise that. It goes against the way of dealing with a lot of organisations that feature here.

 

HB


Illegitimi non carborundum

 

 

 

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I don't personally see what good the letter will do.

 

Any overpayment will be calculated based on monies paid after the OP started living with their partner. The overpaymrnt won't be reduced on the basis that she OP is now reporting the change.

 

I would only see this being beneficial if it was a compliance check as then penalties would be involved.

 

Thank you BB, I didn't realise that. It goes against the way of dealing with a lot of organisations that feature here.

 

HB

 

I am a firm believer of CYA, not just with financial institutions that have crap customer service departments, but also with Government departments that deal with money in one form or another.

 

A letter would just need to summarise what was said and by whom in a telephone conversation that have a habit of being misunderstood by one side or the other.

 

However, I bow to the expert knowledge of those in this instance.


Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -

HERE

2: Take back control of your finances -

Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors?

Read Here

4: Staying Calm About Debt

Read Here

5: Forum rules - These have been updated -

Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

 

 

Advice & opinions given by citizenb 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.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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I am a firm believer of CYA, not just with financial institutions that have crap customer service departments, but also with Government departments that deal with money in one form or another.

 

A letter would just need to summarise what was said and by whom in a telephone conversation that have a habit of being misunderstood by one side or the other.

 

However, I bow to the expert knowledge of those in this instance.

 

It's honestly just a matter of choice. There is no right or wrong answer.

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