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    • go back and read what andyorch said in my above links about a DEED of assignment NOT being a Notice Of Assignment. its a general document for a portfolio of MANY debts they bought on a spreadsheet, NOT specifically relating to YOUR Agreement. but your was like all others, a single line in a spreadsheet.    the sheriff has specifically asked for the NOA and the Default Notice ...neither of which the fleecers have provided, merly a load of ole twaddle like trump does to divert attention away from those NOT being provided.   forget the stuff about LOP 1925 etc that a NOE is NOT applicable in scotland , the sheriff has asked for it..end of!!   bedtime reading particularly regarding default notice sec 87 https://www.consumeractiongroup.co.uk/forum/showthread.php?484300-Cabot-nolans-SPC-Claim-Old-Next-CAT-Debt(2-Viewing)-nbsp&p=5119630#post5119630   read from about post 70.   as for the written submission. i'll find an example later.   dx      
    • Plevin is not a calculation. its a refund of commission they got as they had a backhander of greater than 50% of the PPI sum paid for selling it on behalf of the insurance company that underwrote the PPI policy.   you are after reclaiming the PPI itself. and that is what all our PPI stuff is geared too.   have you still a copy of what you originally sent though as you don't even KNOW what plevin was , how could you have ever have asked for it.!!   pers i'd write back. (you seriously need to stop talking on the phone!!) stating quite clearly that you REJECT totally their refund under the Plevin Rules. my Claim was to reclaim the PPI a paid, not for a refund of your hidden commission!!   i give your 14 days to refund inline with the enclosed spreadsheet , else i will raise a complaint without further notice to the FOS.   please reply in Writing Only.            
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    • not interested in silly letter   the CCa return please   dx  
    • This is interesting as I was not aware that there was a difference in the PPI claims/calculations.    Long story: I asked for this PPI reclaim over 5 years ago.  The Woolwich loan was taken out when I had a Woolwich current account.  The banking sort code for Woolwich was deleted off the banking system when Barclays inherited it hence they could not find my current account let alone the loan.    They had told me that I had provide proof of the loan as they could not locate it.  I did the FCA deadline search and it still was not located.    As this was the last resort, I had to go into the loft and found it by chance.  They changed the new reference number from the search and attached it to the old past reference number as the complaint was still on their system.    Even speaking to them about their calculations and the one I got from the on-line calculators, no one can explain the difference, they just keep saying that they cannot speak to the PPI calculations team, they have to email them!    Also I thought the Plevin paragraph was standard information.  So this is where the mystery lies,   I can reject the Plevin calculation and ask for calculations based on my actual PPI sums paid,   would this then be in line with your calculator?
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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.
       
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Working Tax/Child Tax Credit and Overtime ...Help!


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A family member is having a problem with her working/child tax credits so I offered to try and help her out via the lovely CAG members.

 

She was working 16 hours a week but increased to 22 hours a week last year, which she declared to HMRC, so has been expecting an adjustment in her tax credits and housing benefit. They have recently written to her asking for £1,149 back.

 

Over the last six months or so she has come under a lot of pressure from her job to work overtime as they have so much work on. She was hoping this would not be taken into account as it isn't usually a regular thing. However, one month she worked an extra 40 hours (this is the exception rather than the rule though).

 

HMRC are now asking for six months back payslips and these will, of course, show all the overtime she has done. She is really worried that she will get into a lot of trouble because of this and that she will go to prison! Is this likely to happen? She hasn't deliberately set out to defraud, the extra money has enabled her to treat her little girl to a short break, clothes etc and to buy some much needed bits and pieces for the house. Is regular or irregular overtime taken into account for working/child tax credit purposes?

 

Any help would be most appreciated please. Thanks in advance.

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if it is going to be regualr overtime (ie at least for the next year) they can make adjustments to her payments. Any irregular payments are normally only considered when the annual income changes up or down by £2500 so she wouldnt have needed to notify them and it may be that there will be no reduction in this years' WTC and she doesnt owe any money for overpayments. However, for HB it is total income that is what counts so she may well have to pay back money there. Again, it is important that the wrong assumptions about this years income are not made based on irregular overtime paid last year.

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Hi ericsbrother, thank you very much for your reply. The overtime has more or less come to an end now as the busy period has passed.

 

Sorry, I got it wrong, it is actually the Housing Benefits people who are chasing my sister, not HMRC. So, it sounds like my sister's housing benefit will be affected because of the overtime over the last six months or so? I'm not completely sure what you mean by the wrong assumptions about this year's income not being based on irregular overtime paid last year??? Do you mean that they will assume her income this year will be the same as last year, even though it will be less? What would be the best approach when drafting a letter to the Council? Could you, or someone else possibly help with some pointers for us to draft a letter for her? It would be most appreciated if possible. Thank you.

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