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    • Chargeback completed. Thanks to all for your help!!👍🏻
    • Please notice that I have had to restructure your text and introduce spacing to make it readable – especially for people using the small screen. Please will you make sure that your posts and future are properly spaced and punctuated. Thank you. It's a complicated story – but it certainly seems that Hermes managed to lose your laptop while it was in their care and so you will be able to get the value of your laptop back. We have lots of Hermes stories on this forum and so please will you start reading them up – probably at least six or seven of them. Take your time and understand the principles. Also, at the top of the forum you will find a sticky thread which is about the enforceability of insurance. It is important that you read this because you quite rightly did not take up their insurance offer – but when you sue Hermes – which you will certainly have to do, they will defend mainly on the basis that you didn't take out any insurance. You will have to have these arguments ready in order to knock them back. You will certainly be able to recover the value of your laptop and the delivery fee and court costs. You will understand the whole claims journey when you read the other stories. However, I don't think that the refund that you are hoping to get is recoverable. Can you tell us the basis on which you claimed the refund? Who did you purchase it from?
    • Start off by sending every party involved in this – insurers, doctors et cetera a subject access request. Do this straightaway. No harm at all in gathering as much information as possible. Secondly, people who have asked you for this money and ask them for a detailed account as to the basis on which they believe they are entitled to claim any money from you. Make sure that the letter begins by stating categorically that you do not agree that you owe them anything and that at no time have you provided any misleading information – you want a full detailed report on how they think you have misled them and the justification for the amount of money they are claiming. This is all about information gathering. Send a copy of the above letter to your insurer. It's a saying that you have been taken in by a bunch of ambulance chasers. They are out to rip you off and frankly they don't care how they make their money. Come back here when you have some answers
    • Being accused of misleading a solicitors in a personal injury claim and being asked for substantial payment after 2 years of no correspondence from them.   Accident 30th January 2019   Hit and run, luckily I got the registration and reported it to the Police and Insurance Company (One Call)   One Call took details from myself and Police regarding damage to the car, they collected it and fixed with no problem, no excess to me as originally  I was told the other driver was uninsured, then it came to light that her insurance company had updated registration incorrectly.. they honoured her insurance.   A couple of days later I had a phone call asking me many questions about my injuries, stresses and checking that I was adhering to my insurance ie belt on etc. Once I had finished these questions, the rep said that I was eligible for a personal injury claim, I hesitated, to be honest I was a bit overwhelmed, had terrible migraines brought on by stress and couldn't be bothered with the calls and paperwork that needed to be done... I gave in and said let's go ahead afterall with the pain I had I may well need treatment which could be costly.   I filled in the relevant forms and paid an upfront fee of £150 incase it went to court.   I was referred to OCL Solicitors who deal with the claims on behalf of One Call, they asked the question again, ones I had answered numerous time.    They organised for me to have an assessment with a physiotherapist in Salisbury, quite a distance from where I live in Andover, I was expected to drive there and back 12 times, costing me just under £500 for petrol and parking. The physiotherapist asked for this amount of sessions due to my neck, back and head injuries.   They then request that I attend a Doctor's assessment, I was faced with a rude and bolshy man, looked at me as though I was putting him out for being there, he asked me questions but wasn't really listening, he was tapping away on his laptop whilst I was speaking, he contradicted me when I told him about my injuries and medication etc. Quite sometime later the Doctor filed his report and the company said that he had found my injuries were not condusive with the accident.... I was walking dogs without injury the day before my accident on the school run. I requested a second opinion.... every communication via email took weeks, I had to chase constantly and then without any emails or letters the file handler said I would not get a second opinion. She asked if I had filled in a form on my arrival and I advised with my husband's agreement that I had not.... I never heard from them again and that was 2 years ago.   Yesterday afternoon I received an email stating that I need to pay for the doctor, Physio and Legal costs as I had breached contract by misleading them...   I did not mislead them, I had genuine injuries which the physio worked on quite intensely, surely they have breached the contract themselves by not keeping correspondence with me as stated in their terms and conditions. They are after over £2500, they have suggested a monthly payment of 24 instalments.   I have not done anything wrong, if I pay it that is admitting I have lied/misled them.   Can you assist me please???   Rgds          
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DESPERATE - Can't claim Tax Credits, HB or Income Support!


Shaftesbury
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Hi all.

 

I am a single mother with three children aged between 4 and 10. I worked in a London law firm up until I was made redundanticon in 2007 and then my husband and I decided I should stay at home with the children while he went out to work. In June 2012 my husband and I suffered a very messy separation, he moved out, and we haven't been on speaking terms since and he hasn't been interested in seeing his children for quite some time.

 

After my husband moved out I informed HMRC of the change and was awarded Child Tax Credits which have been paid to me until August this year when I received a notification that due to the fact there was the belief my husband had never left my Child Tax Credits had been stopped and I was asked to repay all the Tax Credits I have received since June 2012 which amounts to £13,000. I DO NOT have this sort of money. I am also no longer entitled to benefits such as free school meals for my children since I am no longer in receipt of Child Tax Creditsl

 

I objected to these claims and so was asked to send a bunch of documents which I duly sent immediately. I then waited months for a decision to be made and last week I received a lettericon to say their opinion hadn't changed and I am still therefore not entitled to Child Tax Credits. However, the letter did state I could send in further documentation for their consideration, which I immediately did, and am now awaiting further correspondence from them.

 

Could anybody give me some advice please? I am 100% entitled to those Child Tax Credits.

 

Alongside this issue I am now being refused income support and housing benefit due to the fact I co-own properties in another part of the country. Since my separation with my husband I have been living on a chunk of money received from the sale of a property. However, the balance of my bank account had dropped very low and so I decided it was time to put in a claim for housing benefit and council tax deduction and to claim income support.

 

However, I have been informed I am unable to claim these benefits due to the fact my ex-husband and I own properties in another part of the country and because I cannot give them much information about these properties because he always dealt with the properties (I just signed on the dotted line and provided the cash) and he took all the paperwork with him when he left and kept control of all the properties including receiving all income from rent. I have given the addresses of the properties and rough estimates of how much I believe them to be worth but I don't know anything about the mortgages or the tenants or any other details. My bank statements prove I haven't been benefiting financially from them at all and am not receiving any rental income.

 

There is absolutely no way for me to obtain the information required due to the fact my husband despises me and absolutely refuses to speak to me. I have asked a solicitor but was told there is no way to force him to provide this information. I would really like to sell the properties in order to buy my own house but my husband refuses to sell. He also refuses to divorceicon me and therefore I am unable to sell the properties through that.

 

I am so worried about what will happen if I can't claim ANY benefits. I have properties to sell but I am not in a position to sell them. I cannot live in them because they are so far away and our life is here. Besides, they all only have one bedroom. In two or three months I will have no money left in order to pay my rent or to survive in general.

 

Please can somebody advise me whether I should be entitled to income support, housing benefit and council tax reduction even though I own properties in other parts of the country? Or is the expectation that I move into one of those properties, even though they aren't suitable and are far away from our life here? It would mean all the children changing schools and living in a cramped 1 bed flat. As I have already stated there is no way I can sell the properties. Or can I? Is there a way to force my ex-husband to sell the properties?

 

I am EXTREMELY worried for our future. The ONLY income I have currently is £190 per month child benefit. That is ALL. I have £2,500 in my current account and once that runs out I have not a clue what I am going to do if I cannot claim the benefits and the Child Tax Credits I require in order to pay my rent and survive. I have terrible visions of me and the three children ending up homeless on the street. We have no relatives to help us out. The only option for the children would be to live with their father but considering he is mental and has frequently threatened to kill us all I couldn't bear for that to happen. He took me to court earlier this year to try to obtain residency of the children but thankfully his case was not successful. However, if we lose our home it would be our only option. I am so worried.

 

Please can anybody offer me some advice in this thread on how I can go about proving to HMRC that my ex-husband no longer lives at my address and therefore claiming the Child Tax Credits to which I am fully entitled? Also what can I do about the fact I have no money to live on or to pay my rent and yet I cannot claim any benefits?

 

Thank you so much in advance.

Edited by citizenB
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Shaftesbury, I have merged your two threads and deleted duplicated posts :)

 

Someone will be with you as soon as they can in respect of your situation..

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PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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On what evidence do they believe that your husband has not left ?

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Thank you.

 

They said he is connected financially to my address in some way. They have not said how.

 

I have sent them bank statements for the period since he left, utility bills, tenancy agreement, even my deed poll name change certificate! I have also forwarded letters from my solicitor addressed to me where she has copied letters addressed to him at his new address to me. I have informed them my solicitor could confirm my husband has not been living here. I also have a social worker who could confirm this, as can the police since there have been domestic violence registered with them at his new address, and so I could get confirmation from there also. I don't know how else to prove he has not lived here since June 2012.

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Just throwing it out there but could it be possible that you husband (ex) has applied for some sort of credit since he left in 2012 from your address, thus creating a link.

Also, how many other properties are we talking and whats the net value, are they in positive equity, you could sue your ex on the grounds that you own a % of these properties and have never received any money from them, also, does he not pay any maintenance money for the kids.

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Properties - 5 flats, I really don't know much about them but I know if we sold them all only one of them would give us money back - about £60,000 worth.

 

I have no idea how or if I could sue him? My solicitor hasn't said I can. She has only said I could try to request half the rent he has received once we deal with the finances AFTER the divorce (which he refuses to go through with).

 

I have only just set up child maintenance and am waiting for the first payment to happen.

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PLEASE can somebody advise me? I have now been informed by my solicitor that my husband has disappeared - neighbours say he has gone away somewhere to house-sit.

 

I really need to get hold of my half of the finances - please can somebody advise me of my options?

 

Thank you.

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you know the addresses of the properties I assume? the get your solicitor to start the process of forcing their sale. You may have to proceed with your divorce to do so but so what, that is going to happen anyway. You are currently appearing to be a little defensive towards your husband and this is hindering your progress. You must do what is best for you and if that means he takes a haircut on his assets then again, so what, he should be facing his responsibilities.

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You do seem to have provided a lot of evidence to HMRC that your husband has not been living with you, they are clearly in denial! Have you raised an appeal/dispute,ask them what evidence they have that he does live there? If you don't get any joy contact your MP. My feeling is that if what you say is true HMRC will eventually relent.

 

The other issue is much more difficult to resolve. You say;

 

'5 flats, I really don't know much about them but I know if we sold them all only one of them would give us money back - about £60,000 worth.'

 

So 4 of them are valueless?Or have zero equity? I'm not so sure. Even a half share of 60 large would put you way over the threshold for means-tested benefits. You really need to crack on with the divorce and get the money your husband owes you, but he appears to be a slippery customer. The sooner this situation goes before a divorce judge the better.

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You really need to crack on with the divorce and get the money your husband owes you, but he appears to be a slippery customer. The sooner this situation goes before a divorce judge the better.

 

After some three years of separation along with documentary evidence to domestic violence, the (ex)husband's consent is not required for a divorce.

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