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    • Sorry, but we need to see the entire claim form in PDF. Scanned. I'm particularly interested to see the description of the parties. Also, I notice that you said that you would provide further details of your claim. This was unnecessary – and probably you shouldn't have done it. Have you sent them something now?
    • Its new Premium account costs £15 a month and comes with features including phone and travel insurance. View the full article
    • and here is the Hermes response:   Intention I intend to defend all of this claim   Signed I am the Defendant REDACTED Hermes Legal Department 19/10/2020
    • Here is my claim:   Particulars of Claim I posted the Item at a collection point which I was provided the following tracking number: REDACTED The tracking did not update past the point it was collected from this shop, and I had flagged this up from the 6th. PackLink have offered compensation amounting to £25 which I have refused. They do agree that the parcel is indeed lost, but are not willing to payout the value of which the item sold for. PackLink have refunded me the cost of the label which amounted to £7.08 There is a packlink reference number for this case, which is: REDACTED In essence, PackLink admit they are at fault, but are not willing to compensate me for the full value of the item at its sold price. I will provide the defendant with separate detailed particulars within 14 days after service of the claim form.   Details of claim Amount claimed£1,490.00 Court fee£70.00 Total amount£1,560.00
    • Thanks for your reply, yes they got the items back undamaged.    The police got of to sign the recorded warning but the man in tesco didn't have me sign anything, he just took my name and address,  didn't ask any other questions or say anything about a "fine"   Was just a one off.  I had just lost and buried my 21 year old nephew.  So really wasn't in right frame of mind. Deffo wont be doing that again.  Nearly 30, with a clean record up till now so was a big shock for some stupid items that I had the money to actually pay for.     I'm currently in the processes of being refereed to a therapist. To try and help.    I'll make sure that I update this if I recieve any more letters from them and I'll make sure to keep them. 
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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.
       
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      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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6 year overclaim when not a single parent


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Can someone give me some advice please my partner has been claiming single parent for over 6 years when she shouldn't off I found out the other week I was off on my day off and got back from the school run and there was mail from a company called Concentrix I didn't open it as it was addressed to my partner but when my partner opened the letter she broke down and confused to me everything.

 

She been claiming single parent for 6+ years and also been claiming housing benefit and Council Tax for 4 years.

We were in debt for years but thought we were getting through the bad years but know this has happened I feel very sick and stressed.

 

I had no idea as I work long hours I just gave her the money to sort the bills out. I am not leaving her to sort it out herself for the sake of our 3 kids but I've told her she needed to tell them everything The letter from Concentrix said they believed someone was living with her due to records from April until October this year so she rung them up straight away and told them my partner lives with me and they said could you still send the paperwork we require bank statement water bill Gas and electric bill which she sent and has already been returned that was 3 weeks ago with a note saying thank you for send the documents and we will be intouch soon

 

She has told the council I live with her and already had a bill for £1780 which family has paid for us so we aren't in any rent arrears

 

My partner has recieved a letter from HMRC saying she been paid overpayment of £6408 and will be intouch soon

 

My partner has spoken to CAB and said until she receives a letter from Concentrix there nothing that can be done.

 

I am not good at waiting specially if they take action eg court as i think she could go prison and if that happens I won't be able to work so won't know how to pay bills and look after 3 kids on my own can someone give me advice what to do !!

 

Will they only go back until April ?

How long does it noreally take Concentrix to reply ?

Will they inform the Council to investigate as well or do they work as one ?

 

Please don't judge me as I've never claimed tax credits before and don't understand how it all works

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Hello and welcome to CAG. I've started a new thread for you so you can have advice that's specific to your own situation and not someone else's.

 

We're not here to judge, don't worry about that.

 

Others will be along later to comment and they may know more than I do. I think telling the whole truth is the best thing. Prison is a rare event, I don't think you should worry about that. It's more likely that you will have to repay the overpayment, possibly by a deduction from benefits,although there could be a penalty on top. Time will tell.

 

My best, HB

Illegitimi non carborundum

 

 

 

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Thank you she has told them I'm here and it was her who made them stop the claim straight away which they did.

 

I've taken over sorting the bills and we are on a budget now which is working great

 

The only thing on my mind is what's going to happen if I knew what was going to happen I could get things sorted

 

When I spoke to CAB they said they will help her deal with this I am in a union at work should I tell them or just wait until she gets the letter as I don't want the whole world to know what's happening at the moment !!

 

I've got my partner in to see the doctor next week as she is so stressed as she suffer from depression when I meet her.

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has your partner told the council and HMRC the correct date now?

 

if she has told them the correct date, it would reduce risk of a heavier penalty

 

if she told them you moved in during this year and they later discover you have been there several years, it would increase the risk of prosecution

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you may be able to get legal advice/representation through your union

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She has told them but they have said we only want information from April until October which she has sent and it was back within a week that was 3 weeks ago does anybody now how long this letter will take from Concentrix to arrive to say what's going on

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I will have to check as its not me who needs the legal advice about the tax credits as I've not claimed it but will need to speak to someone if she taken to court and faces prison as I will not be able to work so will need to find out what il be able to claim for me and the kids if I can't work

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She is highly unlikely to go to prison fir that amount of money- especially as you have kids. In saying that I'm assuming she has never been in court before & doesn't have a criminal record?

Please do not ask me for advice via PM as I will not reply.

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No she never been in trouble before she is willing to come clean on everything as long as she stays with the kids but she been reading newspaper reports of people doing the same thing by looking on google but they are tried lying

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She has told the council I live with her and already had a bill for £1780 which family has paid for us so we aren't in any rent arrears

 

My partner has recieved a letter from HMRC saying she been paid overpayment of £6408 and will be intouch soon

 

 

Are these the full debts/overpayments for last 6 years?

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it is difficult to compare your situation to others, as the cases where no further action is taken are not publicised - the only cases you are likely to find on google are the cases that have been prosecuted and made it into the papers

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I doubt very much she will go to prison. I have worked in fraud for over 20 years & have seen very few people go to prison.

Please do not ask me for advice via PM as I will not reply.

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if you are talking about £8k over 6 months, it does sound like it could be quite substantial total, however prison sentences are actually very rare, as it is rarely in anybody's interest

 

i would definitely see if you can get legal advice/assistance through your TU - mine offers it to partners/family members to a degree - go through region if you do not want local reps to know

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I doubt very much she will go to prison. I have worked in fraud for over 20 years & have seen very few people go to prison.

 

How long can a investigation last but I'm not sure if it's under investigation yet as it just saying we have information that there someone else living at your address the only thing I can think of is my bank account car insurance and driving licence

 

Do u know what happens in a investigation for tax credits will she be asked to attend a interview ?

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if you are talking about £8k over 6 months, it does sound like it could be quite substantial total, however prison sentences are actually very rare, as it is rarely in anybody's interest

 

i would definitely see if you can get legal advice/assistance through your TU - mine offers it to partners/family members to a degree - go through region if you do not want local reps to know[/quote

 

We have paid back council money up to April so at the moment it's the tax credit money which they have replied to us saying there a overpayment which they will reply to us in due course she has said to them she will answer any questions they ask her but I've told her she will have to speak to legal people before she talks to them and CAB have also said you don't speak to them on your own

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How long can a investigation last but I'm not sure if it's under investigation yet as it just saying we have information that there someone else living at your address the only thing I can think of is my bank account car insurance and driving licence

 

Do u know what happens in a investigation for tax credits will she be asked to attend a interview ?

 

Every investigation differs - depends how complicated it is.

As for an interview, only if it is being dealt with as a criminal case. It sounds as if it's just civil at the moment but they could refer it to a criminal investigator.

Please do not ask me for advice via PM as I will not reply.

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Every investigation differs - depends how complicated it is.

As for an interview, only if it is being dealt with as a criminal case. It sounds as if it's just civil at the moment but they could refer it to a criminal investigator.

 

Will they inform her that or just send a letter asking her to attend a interview and will they also ask me to attend a interview

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once they have concluded their part of the investigation, you will probably be asked to attend an IUC (Interview Under caution), if you are, just be honest with them, it will probably end with you paying back the overpayment through future tax credits.

 

unless we were talking serious fraud in 10's of thousands of pounds theres no chance they will be looking for imprisonment, it will be dealt with internally and doubt it will go to court

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oh and one more thing, if she is asked to attend an IUC she can have representation so get onto your union rep to see if they would be able to attend with her

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once they have concluded their part of the investigation, you will probably be asked to attend an IUC (Interview Under caution), if you are, just be honest with them, it will probably end with you paying back the overpayment through future tax credits.

 

unless we were talking serious fraud in 10's of thousands of pounds theres no chance they will be looking for imprisonment, it will be dealt with internally and doubt it will go to court

 

At the moment they said on the letter it was April until October 2015 but if they do go back longer then u are talking thousands

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oh and one more thing, if she is asked to attend an IUC she can have representation so get onto your union rep to see if they would be able to attend with her

 

She has spoken to the CAB who said they will attend with her if she wants them too

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once they have concluded their part of the investigation, you will probably be asked to attend an IUC (Interview Under caution), if you are, just be honest with them, it will probably end with you paying back the overpayment through future tax credits.

 

unless we were talking serious fraud in 10's of thousands of pounds theres no chance they will be looking for imprisonment, it will be dealt with internally and doubt it will go to court

 

 

I know I won't be covering anything up for her as it will look as if I've been on it with her from the start but as I said earlier the first I knew about all of this was the day she got the letter from Concentrix

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