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    • Hi All, before I start I know there are similar threads of the topic I am raising, and each, of course, has its own unique scenario, which may benefit others. My case is as follows: 1. I saw a gumtree ad on the 16th of Oct 2020 for a Mercedes E220 CDI, priced at 7,500 2. I called the seller and said I will come over on the 17th of Oct 2020 to view. 3. On the 17th of Oct 2020 I went to his place where he is working and viewed the car. He is working for a major car rental company. I checked the car and of course asked the normal things to ask e.g. any insurance write-offs, loans, accidents, etc. The seller said the car is clean etc.no loan, he had a loan but all is paid off etc. and he has the papers. 4. I negotiated the car price to 6,800 because the rims were showing some signs of damage, the rear light had a small burst, cosmetics, etc. I checked all but did not see any sign of damage to the car (it's a black car, the car was a bit dirty, and the sun was already setting in) 5. We agreed on 6,800 and decided to purchase the car. We went into his office, where I paid cash, and also got a Car Sales Invoice with all details of the seller, and a V5C green slip 6. I purchased car insurance and drove off. I asked him about Road Tax and he said Road tax is paid so I have not to worry, just need car insurance. 7. On 18th of Oct 2020 I cleaned the car interior because it was really dirty inside - it took me a few hours so decided to clean the exterior the next day 8. On the 19th of Oct 2020 I went to clean the exterior and after the car was clean I noticed some parts were resprayed. I became a bit suspicious; so on the 19th of Oct 2020 in the eve, I went on the internet and run an HPI check. The outcome from the HPI did not show any accidents, insurance write-off but an outstanding Loan with Moneybarn. At this point, I thought maybe the database is not updated, etc. 9. On the 20th of Oct 2020, morning, things were going through my mind; the seller said the car is clean, no issues, no loan since he settled all etc. but the HPI reports say there is still some outstanding loan. So what I did, I called Moneybarn, and explained the situation, and gave them the contract number as well (since it was displayed on the HPI report). They said they will send me a form by email, but they cannot share any information due to Data Protection (GDPR). fair enough I thought, but what made me boil, they said they OWN the car! So, I took the car and drove to the seller where he is working. I confronted him. He said don't worry, I will handle it, he has no time, he is very busy and bla bla bla. I said what reasons do I have to trust you, you lied, and now you say you still have a debt, etc. So I said I will not leave until he has settled the debt, or repay me my money. I also asked what is outstanding, he said around 7,000. Well, since I confronted him at his workplace he may have felt the heat, he assured he will settle all soon, I said sorry, I need a date, so I said you will settle the debt with Moneybarn by 23 Oct 2020, if not, you will refund me my money. He said Ok he will do it, so I said, since I don't trust you, you will sign a piece of paper, and sign it. On the paper, he wrote "I will clear the debt for the Mercedes by Friday" and signed it. I said I am not happy and added the debt details with contract number, and also a clause that if he fails to settle the debt with Moneybarn by Friday the 23rd of Oct 2020, he will refund me my money, 6,800, and sales of the car Mercedes, license plate, will be void. Also, I said to put an initial on each amendment I made with signature. He did, and I left. 10. On 22 Oct I sent him a message, to remind him to settle the debt by Friday 23 Oct 2020 noontime and also I outlined some legal jargon I had to sent that I received from citizensadvice. 11. On 23 Oct, morning time, I received a message from the seller, he said he will not/cannot refund me the money, not to visit him at his office or place, and that he feels threatened by me. 12. Now, the dilemma/headache; a). I received the form from Moneybarn on the 20th of Oct 2020 and I have to send it back within 7 days b). the seller send me a message he will not refund the money c). is the seller holding the title with Moneybarn or did he also buy and not knowing there is an outstanding loan on it d). did he sent the V5C to DVLA since I have the green slip? e). Shall I fill in the form and sent it to Moneybarn? f). If Moneybarn has all my details they may send someone to repossess the car? 13. I decided, I will not undertake anything yet, because my mind said, go there, confront him, park the car in front of the company since I purchased it there and signed all paperwork in their office, they will call the police, the police will come and surely will not do anything but will force me to remove the car and park somewhere else, record all on camera, take all evidence, sent to Moneybarn and at the same time to the seller's employer (when I asked him to sign a letter he will settle the debt by Friday 23rd of Oct 2020, he used a paper of the car rental company, and on the back, the logo of the rental company is displayed clearly and he may have acted on behalf of the company to sell me the car, after all, I don't know if he holds the title with Moneybarn - well, this is an excuse for me to even sue the car rental company, or blacklist him with the company he is working for since it seems he is some type of manager there and he may have acted in the capacity as a sales person to sell the car to me on behalf the company....). 14. So on the 23rd of Oct 2020, I didn't do anything like described under 13....it's not my style as such I called AWH solicitors, explained all, and they said one person is specialized in dealing with such cases and will call me back after studying my case and inform me if it is something they can fight or not. So they will call me Monday the 26th of Oct 2020. I also said I want to go now and confront the seller, but she said better wait till Monday, and if they can fight the case, they will tell me the next course of action - but my funds are limited and cannot afford a lengthy battle, because if no case against Moneybarn means I will have to sue the seller to the court which will cost me. The car has comprehensive insurance and with all this saga I added on the 20th of Oct 2020 also legal insurance on top. Lengthy story, but I am trying to be as detailed as I can, and yes I should have done an HPI before buying the car, but I am from Holland and car sales work there a bit different, and this is my first time I buy from a private seller. Well, once I have sent the form to Moneybarn, I will park the car in a garage, and at this stage, I am renting a room in a house (there is one more tenant). Since I am from Holland, I am planning a trip within 2 weeks to visit my family and I will drive down with the car and in the meanwhile wait if the solicitor can be of any help. I need some advice though, I am still planning to drive down to the seller on Tuesday after I talked with the solicitor, park the car in front of the company, and confront the seller, and try to record all. I will also try to make him sign a letter that I purchased the car in good faith from him (regardless if he holds the title with Moneybarn or not but at least I purchased in good faith from him). Evidence that I have: 1. Car sales invoice 2. Paper that I made him sign 3. Gumtree ad; I could retract this from google history, but the original add removed from gumtree. At least I can show it was advertised 4. I tried to create a history of past owners, total owners including me are 5. It seems the car was also posted on gumtree before by a company in Essex (I saw on google). The reason for doing this, it is very likely that the seller purchased the car from someone else with an outstanding loan. Since then I read a lot on the internet, so please any advice is welcome to pursue my case, I paid a lot and at least I want my money back. Also what I read so far, Moneybarn is not easy to deal with...thanks in advance for any advice I can use for my case.
    • Hi   I think you need to check not just the serial number but what Meter Point Reference Number (MPRN) as the MPRN is what is registered and energy supplier go off as well as the serial number.   So you need to see what the MPRN is as well as the energy supplier it is registered with.   If you look at this Ofgem link: https://www.ofgem.gov.uk/consumers/household-gas-and-electricity-guide/connections-and-moving-home/who-my-gas-or-electricity-supplier   In the above link to do this check it gives a link to:   Find My Supplier: https://www.findmysupplier.energy/webapp/index.html (note you may have to complete a captcha, then input your postcode only and click find my address, when the list comes up click on your exact address, you will then see you actual MPRN and the energy supplier linked to your address)   With the above make sure and take the details of the MPRN and the Energy Supplier, better still take a screenshot/pdf the webpage.   Please let use know if on doing the above it matches your current supplier?  
    • I had exactly the same issues.   Grossly over estimated bills from January onwards.  Despite what they claim, they are effectively taking an interest free loan from their customer base to keep the company in business.   They can dress it up how they like.  It’s irrelevant if they reconcile the bills the following month because they just over bill again thus keeping a rolling interest free loan.   it took two months of constant badgering to be finally moved to a fixed DD.   Once that was done I didn’t care how much they over-estimated by.   I had raised a query with the ombudsman over the billing fiasco and they readied a complaint should I wish to proceed.   I thought everything was sorted until May/June whereby I was allegedly more in debt then I was expecting to the tune of an extra months DD.   On querying it, it transpired that even though I was on a fixed monthly DD, because the bill was generated less than 5 days before the DD was due to be taken they didn’t take the DD.   They offered £5 compensation by way of apology but wanted to take two months DD in June.  I told them where to get off.   With appalling customer service,  bills that you need a Maths degree to follow, and I do have one and still struggled, inability to follow through on any agreements, constant gross over-estimation, the missed DD was the final straw and I proceeded with complaint to ombudsman.   Prior to getting to that stage I had to quote Symbio’s own complaints procedure to them to get any sort of response.   Their final offer to me was £25 goodwill and to waive an exit fee. The offer was derisory given the time it had taken to get things sorted and the continuing ineptitude.  Also, the whole thing has dragged on so long (5 months) I was already in the final 49 days of my contract and therefore there were no exit fees to pay and therefore nothing to waive.   Anyway, upshot is, ombudsman found in my favour.  Ordered an apology and a goodwill payment. Symbio appealed but were told the decision stood.   This week I received the goodwill payment.   I promptly left an honest and truthful review on trustpilot.   The next morning I received an email from Symbio with an apology.   This was followed an hour later with an email from trustpilot saying Symbio had replied to the review.  On reading the response they have accused me of not following procedure and of cyber bullying.   The company is a complete joke.
    • why not simply tell you supplier they have the wrong meter number you been paying for usage , and ofcourse you can view this online too so its not as if you'll owe anything you might get a nice surprise and find you are owed a refund.
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Child tax credit overpayment


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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

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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.

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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

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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.

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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

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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.

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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.

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

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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.

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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.

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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.

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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?
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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?

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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.

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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?

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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?

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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.

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