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    • A South Korean court sentenced Lee Jae Yong to two and a half years in prison. View the full article
    • To add to the weight of evidence this is fraud, do you have (or can you get) proof of what the cost of the Special Delivery was?. If they paid for the weight of an envelope containing a piece of paper, they won't have paid for the cost of sending a laptop (given it is much heavier) ...... You should also contact ActionFraud.
    • @dx100uk, I'm afraid you've got this wrong. My fear of compromising my defence wasn't with regards my response to DCB Legal's initial letter per se. It was more in reference to any subsequent advice posted on this thread by other forum members and I was only being wary due to the numerous instances when some have cautioned about parking companies and their legal reps trawling these pages to stay a step ahead.   As I did also state however, I'm happy to provide full details of that initial reply to DCB Legal and have therefore reproduced it below. Thanks.    
    • China's economy grew at 2.3% for the year, making it the only major economy to see growth last year. View the full article
    • more: extend the contract line by....   contract exists between the claimant and the landowner which assigns the claimant the right to enter contracts with the public and make claims in their own name. I put the claimant to strict proof that such a contract exists.   1st few lines like this:   1.I am the defendant in this matter.   Any documentary evidence relied upon by me in this, my statement will be referred to and produced as exhibits RSS1, exhibit RSS2 and so on, and are labelled and attached accordingly.   All exhibits are listed below List of Exhibits    2. In this Witness statement, the facts and matters stated are true and within my own knowledge, unless indicated otherwise.   3. I am the registered of the vehicle, xxxxxx   4. I am not liable to the claimant for the sum claimed, or any amount at all.   just sign and date at the end no statement of truth is needed sorry.   dx        
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
      • 31 replies
    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies

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Just a quick question, probably a simple answer. I get paid a yearly bonus, this year it was close to £3000, but I've only ended up with £1800 home. My pay is in the region of 30k.

 

 

Why am I taxed so heavily? I know I'll get taxed on all of the bonus, but it seems way more than the 20% tax rate. Is it because the system is assuming I'll get paid at that rate for the remainder of the tax year, and I'll get some back next month? or what's going on??

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Looks about right to me. On a basic of £30k the tax rate would be 20%, but the £3k bonus pushes the annual income into the 40% bracket (above £31,785 for this year)

 

So - tax would be payable at 20% for the first £1785 of the bonus - £357

 

Tax payable at 40% for the remaining £1215 of the bonus - £486

 

Plus National Insurance at 12% payable on the entire £3000 - £360

 

Total deductions - £1203

 

Net Bonus - £1797

 

Harsh, but not wrong unfortunately....ad no rebate due either!

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no, that is not how tax bands and percentages work.

Never assume anyone on the internet is who they say they are. Only rely on advice from insured professionals you have paid for!

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Seems very unfair :(

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Its £31,785 above the personal allowance. Therefore the OP is still in the 20% tax bracket. Any overpayment will be paid back eventually, either in dribs or drabs or after the end of the tax year.

 

Looks about right to me. On a basic of £30k the tax rate would be 20%, but the £3k bonus pushes the annual income into the 40% bracket (above £31,785 for this year)

 

So - tax would be payable at 20% for the first £1785 of the bonus - £357

 

Tax payable at 40% for the remaining £1215 of the bonus - £486

 

Plus National Insurance at 12% payable on the entire £3000 - £360

 

Total deductions - £1203

 

Net Bonus - £1797

 

Harsh, but not wrong unfortunately....ad no rebate due either!

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Whoops! My bad. In which case disregard my maths - OP, it seems that you may indeed be due a rebate!

 

Thought my figures calculated a little too neatly...

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The PAYE system works on a "cumulative" basis so, each month, your total pay to date (since 6th April) is reduced by your tax free allowances for the year so far.

 

The same applies to the basic rate tax band which is £31,785. Each month, 1/12th of this (£2,648.75) is applied to the net pay after tax allowances.

 

For example :-

 

Pay date 30.9.15 (tax month 6 of 12)

Pay to date this tax year £18,000

Cumulative tax allowance = 6/12 x £10,600 = £5,300

Cumulative basic rate band = 6/12 x £31,785 = £15,892.50

 

Pay to date 18,000

Tax all'ce 5,300

Taxable 12,700 which is within the basic rate band.

Tax due to date 2,540

 

Class 1 NIC would be payable but this doesn't affect the tax bands.

 

I assume you're on a tax code of 1060L. Let us know if you're not as this will affect the case.

 

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