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    • Sars request sent on 16th March and also sent a complaint separately to Studio. Have received no response. Both letters were received and signed for.  I was also told by the financial ombudsman that studio were investigating but I've also had no response to that either.  The only thing Studio have sent me is a default notice.  Any ideas of what I can do from here please 
    • Thanks Bank - I shall tweak my draft and repost. And here's today's ridiculous email from the P2G 'Claims Dept' Good Morning,  Thank you for you email. Unfortunately we would be unable to pay the amount advised in your previous email.  When you placed the order, you were asked for the value of your parcel, you stated that the value was £265.00. At this stage the booking advised that you were covered to £20.00 and to enhance this to £260.00 you could pay an extra £13.99 + VAT to fully cover your item for loss or damage during transit, you declined to fully cover your item.  Towards the end of your booking on the confirmation page, you were then offered to take cover again, to which you declined again.  Unfortunately, we would be unable to offer you an enhanced payment on this occasion.  If I can assist further, please do let me know.  Kindest Regards Claims Team and my response Good Afternoon  Do you not understand the court cases of PENCHEV v P2G (225MC852) and SMIRNOVS v P2G (27MC729)? In both cases it was held by the courts that there was no need for additional ‘cover’ or ‘protection’ (or whatever you wish to call it) on top of the standard delivery charge, and P2G were required to pay up in full for both cases, which by then also included court costs and interest. I shall be including copies of both those judgements in the bundle I submit to the court next Wednesday 1 May, unless you settle my claim (£274.10) in full before then. Tick tock…..    
    • IMG_2820-IMG_2820-merged.pdfmerged.pdf Case management was this morning. Here is the Sheriff’s order. Moved case forward to 24/05.   He said there was no signed agreement and after a bit of “erm, erm, yeah but, erm” when he asked them, he allowed time for sol to contact claimant.  what is the next step now? thank you UCM  
    • I've had a quick (well, quick for a thread of this length),  read of this thread and to be honest I'm struggling to make heads nor tails of the actual crux of the issue here. You seem awfully convinced that whatever is going on is worth the fight and the odds are in your favour but with how the thread has gone it seems that one trail goes cold so you simply move on to another in an attempt to delay the inevitable. All it does is end up digging holes and confusing others and yourself which means any advice given to you is completely pointless. I note that for the life of this thread there has not been any documentation or correspondence uploaded for people to have a look. Have you got any that you'd be willing to redact and upload for members to assist you? Right now, it seems people are shooting out advice while being in the dark because it's starting to become very difficult for people who weren't here at the start of this (including myself) to follow along. Right now, this whole thread is just hypothetical "He said, she said" and is going nowhere fast. Nothing more than basic advice can be given which, as you've sought out some legal advice, is likely not sufficient to actually come to any sort of conclusion. I, personally, am starting to agree with others that it may be best to consider bankruptcy and put the matter behind you.  
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Clueless about Working Tax Credits & Council Tax


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I moved back into my parent's house at the start of this year which was also when I registered as self-employed.

 

I currently haven't been paying any council tax since I assume I have to let the council know I've moved in.

 

 

My Dad doesn't have to pay any council tax.

 

 

I have the money to pay for it but what sort of trouble can I expect to be in when I let the council know about this?

 

Also I've so far earned around £8k this year so I think I may be able to benefit from working tax credits.

 

 

Am I allowed to back date this benefit to the start of the year from when I registered as self-employed?

 

 

However, I also have £10k in savings so I don't know how this will effect the benefit.

 

Any help appreciated.

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Hi and welcome to CAG.

 

I assume that your parents get full remission of the council tax so based on that, the change of circumstances should have been reported as soon as you moved back in and reported by the claimant.

 

Best bet is (in my opinion) be open and honest with the council and hope they don't apply a penalty for not informing them. Hopefully, they will do a redetermination and apply the changes and as you are an adult non dependant, they will reduce the amount of benefit by a fixed sum based on your 'proven' earnings.

If you are asked to deal with any matter via private message, PLEASE report it.

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Tax credits won't back date that far. I think it's a month and you'd have to have good reason for doing so.

 

Yes, one month.

 

As to the question above about savings, these are not taken into account for WTC. Any interest received on them is counted as income, but the capital itself is ignored.

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  • 5 weeks later...

Since leaving college I was on and off the dole for several years and didn't work in that time. I live with my Dad who owns the house and doesn't pay any council tax due to him being a pensioner and little savings. Then for a couple of years I came off the dole but did some chores for my grandmother to give my Dad some money for food, etc. Then last year I registered as self-employed and have started making a modest income.

 

I wasn't aware at the time but when I stopped claiming dole I should have informed the council then, so my Dad should have had to start paying council tax. When I first registered as self-employed I wasn't sure if I would have to go back on the dole so initially I didn't inform the council of change of circumstance, and then just forgot about it until now.

 

The council seem to have forgotten about me as in all this time I've never heard from them. I was planning on sending the council a change of circumstance using their online form saying that I started work last year when I registered as self employed. Should I mention that I came off the dole a couple of years prior? I have the money to pay for back dated council tax, but I'm worried about if my Dad might at worst get hit with a benefit fraud arrest.

 

What sort of trouble can I expect when I send the change of circumstance form off? Any other advice?

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i'll merge you old thread on this

 

 

if your parents are paying it or get it paid via benefits etc

you don't have to pay CTAX

its by property not by person.AFAIK

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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I think he'll have to pay some council tax as explained here.

 

citizensadvice.org.uk/benefits/help-if-on-a-low-income/help-with-your-council-tax-council-tax-reduction/how-your-council-tax-reduction-is-worked-out/council-tax-reduction-non-dependant-deductions-for-pensioners/

 

 

My issue now is that I'm unsure what I'll face when I do submit my change of circumstance. I think I should just come clean and also include when I stopped receiving job seekers allowance, but it looks very bad since this is all 5 years later than I should have informed them. :|

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