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    • A few thoughts.   1. Providing those percentages are accurate that should be fine.   2. We don't use  HMRC software to file Tax Returns (we use professional tax software for our clients) but, from what I gather, there is no need for an actual signature on the form. Just submitting it valid enough.   3. Are you sure the form asks you to mark the box if your income is OVER £6365? I think you may have misread. The entry is usually needed if your income is UNDER £6365 AND you still want to pay Class 2 NIC voluntarily. If your income is greater than £6365 I don't think you need to mark that box.   4. Remember - the filing of the Tax Return itself is handled by one section of HMRC, different from the section that tracks your payments. The Tax Return does NOT want to know about any money you sent to HMRC.  The reference to  "underpayment or underpayment from previous years" refers to PAYE tax codes where you are in employment. In short this box does not refer to you, as a self employed person,  and should be left blank. Your various overpayments from the past and "payments on account" for 2019/20 will be processed by the collection department computers after your Tax Return is submitted. If all goes as it should then everything will come out in the wash. From what you describe I think you still have that £800 credit on your self assessment account. If so HMRC should use that credit to cover the £400 you say is now due leaving £400 credit remaining on your account. Bottom line - submit the Tax Return THEN go into your account a day or two later to check the balance owing to them  or repayable to you.   Good luck.
    • Yea I understand what you mean, but the difficulties with paying etc didn't arise until July, everything was grand up until then. Its just strange that with chartsbridge usually being quite prompt in replying, they've done the same and blanked me when I highlighted the issues with the default notice, and ccp giving them wrong information....    Will submit a sar for sure... 
    • Yes particulars identical hearing date for application 24 /2/2021 - need to submit 7 days before witness st    yes n244 uploaded earlier in the thread 
    • Okay lets summarise as this is getting a tad messy.   Claimant issues two claims:- 2 separate claim numbers   Claim 1 JCF v both of us for our ltd company xx ltd- Claim 2 JCF v just my husband  his ltd company yy ltd Claims are dated xxxxxxx ? Particulars of claim identical ?    Claim 1 is progressing normally and at Disclosure stage......full particularised defence submitted. ....N265 exchanged....Statements yet to be filed and served. Claim 2 was progressing normally but now claimant has made application for Summary judgment.....minimal defence submitted by Solicitor.   Claimant/Court failed to serve copy of application and evidence in support Court informs you they also failed to serve any evidence with court re their application.   Hearing date has been set for application dated xxxxxx ?  Hearing will be remote by telephone but the claimant cant use any evidence as it failed to submit or serve.   Have you scanned / redacted and uploaded their N244  here to your topic ?    
    • well at some point a DN has been issued, if was issued late, is sadly of little importance.   why dont you sar both of them...    
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    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
      • 31 replies

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Hi

I am trying to get clarification if the cardholder protection plan on my Tesco card in the years 2000 - 04 were in fact PPI.

 

The amount changed each month depending on how much I had spent. I did not have a balance on the card as it was paid in full each month, many times overpaid. I think in the 4 years I only got charged interest a few times. Also on the same card we had a yearly Sentinel protection paid once per year.

 

What I am confused about is if this was in case my card got stolen, why would the amount fluctuate? surely it would be a standard price per year or month.

 

I have read the date for claiming CPP has ended but I have also read that only applied for CPP between 2005 - 2014.

 

So before I go to Tesco I would like to know if it is worth it and also what I had been sold

 

Any advice appreciated

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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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They will want you to send in the FOS complaint form.

 

http://www.tescobank.com/help/complaints/ppi/

 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

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Help keep it up and active, helping people like you.

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Thanks for the advice, I was on another forum and they were adamant it is card protection for loss. But if that was the case why would I pay more for a higher balance. I think it changed in 2005 as I was searching and it was showing policies sold after this date were in fact purely for theft purposes.

 

I had no need for PPI as I had a zero balance every month and only took the card fot the clubcard points

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If you paid the Tesco Cardholder Protection on a monthly basis then it must be PPI. Do you have any insurance policy documents that came with the credit card when the account was opened? Why not ring Tesco Bank and ask them for clarification? You might be able to claim a refund of the Sentinel annual premiums.

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read that thread I linked too

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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