Jump to content
  • Tweets

  • Posts

  • Our picks

    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies
    • Oven repair. https://www.consumeractiongroup.co.uk/topic/427690-oven-repair/&do=findComment&comment=5073391
      • 49 replies
    • 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.
       
        • Thanks
      • 3 replies
    • 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!
        • Thanks
        • Like

Child tax credit overpayment


Please note that this topic has not had any new posts for the last 1756 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

hi. HMRC have send me a letter claiming that I own them money which was overpaid to me over the period of last two years. I don't dispute the overpayment amount yet as I did't go through my paperwork yet.

Letter they send me was dated 10/08/2015 and in the letter they stated that they giving me time until 10/08/2015 to appeal (yes, I had only day to appeal their decision).

Is there any way I can dispute the overpayment on the basis that HMRC did' give me no time to appeal their decision?

Thanks

Link to post
Share on other sites

It would depend on what this letter was and if it is the first notification.

 

What letter have you received? An award letter? A notice to pay letter? A letter from tax credit compliance?

 

An appeal may not be the correct route either, it depends on why the overpayment occurred. A dispute may be more appropriate. These are two different things.

 

Or the overpayment may be correct.

Link to post
Share on other sites

Letter they send me was 'Final Tax Credits decision for 04/2014-04/2015

Overpaiment was because I have earned 2.217 more than year before.

I can't believe it, my income was 2217 more than year before and they want back 3722, how does it work?

my income for last year was 27615 including 194 in IB JSA.

Even if I can't disagree with them because I did't report changes in circumstances on time can I do something because they did't give me no chance of appeal?

As I said before the letter they send to me was dated 10/08/2015 and it says I can appeal to 10/08/2015 which is the same day.

thanks

Link to post
Share on other sites

Did you provide a lower estimate of your income at any point in the year?

 

An increase of £2217 wouldn't cause any overpayment because there is a £5000 disregard for income increases.

 

However if you provided an estimate of your income at any point that was lower, that may explain it

 

JSA IB should not be included in your income, only CB.

 

If the income on the award notice is correct then an appeal is not appropriate. A dispute may be more appropriate and must be done within 3 months.

Link to post
Share on other sites

my income for previous year (2013/2014)was 25398 and that what they used to work out my tax credits for year 2014/2015, I have't been in touch with them during that year.

do you think I have leg to stand on and dispute the overpayment?

Just found this website http://www.revenuebenefits.org.uk/tax-credits/guidance/how-do-tax-credits-work/understanding-the-disregard/

seems I can disagree with the HMRC final decision

Link to post
Share on other sites

Impossible to say. Based on what you have said, there is no reason why you have been overpaid.

 

You need to find out why and make a decision from there.

 

You say you never contacted them during the year but for a time were on JSA which suggests a change in circumstances which should have been notified. Based on the income you have mentione (assuming you were in work the last few tax years) you should have been awarded JSA CB rather than IB. Are you sure you have the correct type?

 

The link you have posted does not cover overpayment disputes. However as I have said above, you can't take any action until you know what actually caused the overpayment.

Link to post
Share on other sites

I was self-employed during last 8 years, I may have been in touch with them to let them know that I'm back to work, if they asked me what my income will be I would more likely said to them it will be the same as year before (I don't like to own the money so would't like to be overpaid).

Have a look at the letter they send me and let me know what you think about it as it will be nice to get this overpayment scrapped as I have't got this money :( If you need to see any other letter let me know I can post those as well.

2mdl8ip.png

2wqd4w4.png

1418acz.png

2du0077.png

 

I will be applying for SAR from HMRC to see what info they have.

Link to post
Share on other sites

The award won't tell me why you have been overpaid. A SAR isn't necessarily needed yet either.

 

Call them and ask for the reason for the overpayment. Without that no much advice can be given.

 

There are no WTC elements on the award for any of the tax year. If you were working for at least 24hrs per week. during the year there should be. You will need to establish why all work has been removed from the claim.

Link to post
Share on other sites

I will call them tomorrow and see what they will say.

do you know an e-mail address to them so I could do it that way?

I have applied for SAR few minutes ago.

Weel my income was too high for WTC, was't it?

I have been only self-employed and on IB JSA at the beggining of the tax year.

Link to post
Share on other sites

Yes but they do not have your work details.

 

If you worked the correct number of hours (24hrs for a couple with some exceptions for incapacity) then your award would include:

WTC basic element

WTC couple element

WTC 30hr element (if working 30hrs between you).

 

Your award does not show any of this which suggests that at no time from 17/04/14 when your JSA shows as ending to 5th April 2015 do they have work information or they do not believe you were working.

Link to post
Share on other sites
Yes but they do not have your work details.

 

If you worked the correct number of hours (24hrs for a couple with some exceptions for incapacity) then your award would include:

WTC basic element

WTC couple element

WTC 30hr element (if working 30hrs between you).

 

Your award does not show any of this which suggests that at no time from 17/04/14 when your JSA shows as ending to 5th April 2015 do they have work information or they do not believe you were working.

I'm sure I told them that I'm going back to work. What happens if I did't?
Link to post
Share on other sites

They told me they calculated my income from 17k which was my income for 2013/2014 and that I never told them about me starting work again. Will have to get SAR and dig out all paperwork I have from them to see what's going on. Also how can I prove that I told them something if it was done over the phone?

Link to post
Share on other sites
Wasn't your 2013/14 income £25K as you posted before?

 

You can ask on your SAR for a record of all calls you made.

I will have to get all my paperwork sorted over the weekend and cross check with this what they telling me and than will be back here to let you know my story in details, as my paperwork isn't in order now so it's hard to work everything out.

hope you will be able to help me more on this subject.

Link to post
Share on other sites

Just found my tax return for 2014 and my income was 24812 after expenses. So I gave them this figure as I filled up annual review they sending me every year. Will have find the letter to confirm this or wait for SAR. What do you think about this?

Link to post
Share on other sites

I got the letters from HMRC dated 24/07/2014 one is final decision for 2013/2014 according to that letter my income for 2013/2014 reported to them was 25398 and another letter tax credits award for 2014/2014 according to this letter I was on IB JSA from 31/03/2014 to 05/04/2015.

Now the question is how did they worked out my CTC, was it worked out on no income due to them thinking I'm on IB JSA?

how can I prove that I told them about me stopping IB JSA in April 2014?

Link to post
Share on other sites

Yes if you say you are on JSA (IB) then all income is disregarded so you get maximum tax credits.

 

Your SAR should provide a record of all contact made if you've asked for it. However the award in July should also show the error so you'd need to explain to them why it's only just now that you've noticed the error and not at the time when the award was sent to you.

Link to post
Share on other sites
  • 3 months later...
  • 2 weeks later...
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...