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Help with LCS needed on HMRC tax Credit 'debt'


moontrev
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Hi folks,

my wife has just had a debt collectors letter via LCS .

 

They are chasing an overpayment made by HMRC or tax credits o a little over £350.

 

What is my best way forward?

 

We are willing to set up a payment plan. and already have prepared an income statement.

 

Trying to contact them by phone is a non starter, as they charge 7p a minute.

 

Any advice as to how I handle this would be gratefully appreciated.

 

Many thanks in advance:smile:

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Stop! Did you know that you could have your debts written off...

 

Oh sorry, stuck the recorded message on :)

 

Welcome back to CAG Moontrev,,,

 

Its a DCA on GOV debt, they cant do anything. Deal with HMRC Directly. What year was the OP from?

 

We could do with some help from you.

 

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

 

**Fko-Filee**

Receptaculum Ignis

 

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hi,

we are currently trying to establish what time period this refers to,

i will let you know as soon as we know!

 

another issue for your consideration,

I used to own a house with my ex wife, where we had an unsecured loan of c £6k

 

I am being chased by Fredrickson for the debt, and am currently paying £1.00 per month.

 

I have noticed from the debt collection letters, that the only redfuction in the outstanding balance is my payments.

 

My ex wife is obviously not making any repayments to this debt, although it was a joint application.

 

in a nutshell, I was the lead applicant, and my ex wife was the second applicant.

 

I am liing on a small occupational pension,

whilst me ex works as a medical representative, and earns over £35k

what can i do?

many thanks in advance

cheers Trev

Edited by moontrev
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please go start a new thread

in the named forum of the original creditor

that you'll find by clicking the top left main forum Tab

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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what part of totally ignore a DCA on a govt debt

do you not understand?

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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what part of totally ignore a DCA on a govt debt

do you not understand?

Obviously, I do not fully understand this issue!

I had hoped for some real help, not just a conceited overbearing reply.

I consider that if you are typical of the users on here, I will simply,seek help from some better, well mannered groups!

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Moontrev

 

I do apologise about the above. DX was trying to be helpful at this point. All you need to know is to not respond to a DCA regarding a Government debt.

If HMRC want to deal with it, then they will come a calling :)

 

We could do with some help from you.

 

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

 

**Fko-Filee**

Receptaculum Ignis

 

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Obviously, I do not fully understand this issue!

I had hoped for some real help, not just a conceited overbearing reply.

I consider that if you are typical of the users on here, I will simply,seek help from some better, well mannered groups!

 

 

please don't pay any attention whatsoever to any DCA that chases a GOV'T debt.

 

 

a DCA is not a bailiff

and has

NO SUCH LEGAL POWERS.

and even less on a gov't debt.

 

 

your next move if you wish to do anything

is to contact HMRC

it might pay you to send them a free SAR too.

 

 

it also helps if you read a few like threads to your issue too.

we are a self help site as well.

here try these:

http://www.consumeractiongroup.co.uk/forum/forumdisplay.php?349-HMRC

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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First of all ignore LCS as advised. Then contact HMRC you can use google to find the number to call and it will certainly not cost 7p per minute. When you talk to HMRC you can make arrangements to pay them direct and by instalments, they will even set up a Direct Debit over the phone, and then send you details after a few days.

 

 

This is what I did, I paid off this overpayment.

 

 

However LCS still write to me chasing the payment. If you want to phone them the DO NOT use their 0844 number at 7p per minute. There is a very useful website called saynot00870 just go their and search for LCS and you will get their number - its a Leeds number and will certainly not cost 7p per minute to call.

 

 

I have called them to request they stop sending me letters, quoting their reference number. They tried to go though some security questions which I refused to answer, just quoting their reference number and telling them that is all hey need to know - oh and I did record the call.

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