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    • then they can't comeback IMHO if you stop paying. you should have stopped paying there and then, but i suppose stepchance again poked their nose in and said either you cant just stop some debts through the plan, keep lining ours and their pockets.?   they are correct they cant register defaults themselves only the OC can.    
    • Hi Bankfodder   Yep, it's these guys.  I paid by debit card; online purchase.   I have been emailing them.  Should I send a letter?   Thank you for your help x
    • Hi all. I would be grateful of some advice please if anyone is able to help.   I had a new washing machine delivered by Currys on 5th Feb. It was faulty from the start so I tried to inform Currys. They told me to contact the manufacturer. I knew that they were wrong to insist on this but I did so anyway, and I now have an email trail from LG telling me that an engineer visit is needed. I refused the engineer visit and told Currys I wanted to use the 30 day rejection as per CRA2015. I know CRA2015 fairly well because I had to use it for a faulty car last year. Currys just kept telling me that I had to go back to the manufacturer.   In desperation I emailed the Currys/PCworld/Dixons CEO. I realise that he won't have seen the email but one of his minions got in touch and promised to help. After a very lengthy email conversation over a few days this guy told me to contact the manufacturer!    I sent Currys (by post and email) a Letter Before Action, telling them that if it wasn't sorted by 15th March I would take action. I offered mediation but they ignored it. I sent the email to head office and sent copies to all staff I had previously dealt with as well as the CEO. I received one email reply, from the CEO's minion, telling me that he was sorry that we had been unable to resolve this amicably.   To date I have received no reply to the LBA, nor do I expect to receive one.  I have used moneyclaim online before, so I am not too worried about doing that. The only issue I have is that I know that if I lose I will be liable for their fees, so do I let these people get away with this or is there some way I can guarantee that I won't be faced with huge fees?    Thanks for reading this far!
    • Just a point example on the stats being used One person in four in England has some antibody protection against Covid, ONS survey suggests "According to an Office for National Statistics survey, an estimated one person in four in England would have tested positive..."   ... 25% of population with antibodies is a bit crap as handcock claims about 40% of adults (given very limited testing of children) have been vaccinated and there have been about 4 million people have tested positive (many/most of whom would still have anti-bodies) vaccinated or not
    • throw the 'i did have the cards and spent the money so...' morality trip out the window... when did you take the cards out? when did you last pay them anything or use the cards?    p'haps it's better to look at a wider picture here...   are there other old debts on your credit file you have also ran away from? could others pull the same stunt and get easy default judgements to an old address?   during the period when these 3 cards were granted was your credit file shot with lots of defaults and bad markers and negative information?        
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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
      • 33 replies

do you think this HB overpayment is recoverable?

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I received an overpayment letter in november 2016 saying hmrc confirmed my income had increased between dec 15 to oct 16.


it was originally over £1000 but they had my earnings wrong and i had an underpayment and my overpayment was reduced to £212.


how long did it take for you to receive your IUC letter after your overpayment one?


i just want this over and done with and i can't afford a solicitor.

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I received an overpayment letter in november 2016 saying hmrc confirmed my income had increased between dec 15 to oct 16.


it was originally over £1000 but they had my earnings wrong and i had an underpayment and my overpayment was reduced to £212.


how long did it take for you to recieve your IUC letter after your overpayment one?


i know i'm being investigated because it mentions repayment will be accepted without prejudice to any further action dwp may take in your case

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They do.. some councils apply them. Others don't.


Chalk it down to experience,

make sure you report all changes in future and forget it.


Honestly, they just don't have the resources to iuc on overpayments that small.


Worry not & step away from Google!! X

Please do not ask me for advice via PM as I will not reply.

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I do and i still keep getting overpaid.


last month i was overpaid £93 which was sent in a "without prejudice" letter as i did overtime and handed in my wageslip so i don't understand why they overpaid me.


my over payment is £172


which means that i must have had another underpayment and reduced it to £79 as i should still have £100 left to pay from original overpayment of £212.

Its all complicated.


they never send me letters of underpayments, just overpayments,typical lol.

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I have emailed them but they never respond,


but i did ask at the contact centre and said it was because i worked overtime,


but didn't explain why they overpaid me knowing they had my wageslip.


it is defo official error i have the receipt to prove i handed it in and they confirmed they have my wageslip on the system


the thing i'm more concerned about was why they sent it "without prejudice" and threatening they may take further action knowing full well this new £93 overpayment was not my fault at all.

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What was your dates of your overpayment mine was dec 2015 to october 16.

but i received the letter beggining of november.


hmrc told them my income had increased was yours the same?.


at first my overpayment was £1459


but i gave them all my wageslips for the date and turns out i was underpaid,


did you try to see if it could be reduced?


everyday i dread opening the post incase it's an interview.

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If it's only £212 you will not be interviewed as it is not cost effective to investigate. It would cost far more in costs than they would ever get back.


For a case to be even considered to be criminal it has to potentially be over £2,000 or false from the outset or other serious factors.

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back in 09 my best friend was caught working in a temp job for 2 weeks whilst claiming jsa and resulted in a small overpayment and she was interviewed under caution and was given a caution for it. was she only interviewed under caution because she was still claiming therefore they had to treat it as criminal?

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  • 3 weeks later...

They didn't even reassess my claim when i gave them my february wage slip 4 weeks ago. It's only because i handed in my wage slip today and said i've not heard anything about the decision for this months rent that she reassessed my claim infront of me. Is this normal or is my LA pee takers?

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  • 4 weeks later...

Received another overpayment letter yesterday dated 10th march with an apology and signed by the woman who made the error for £30.40. It says that even though its LA error it's recoverable because they reasonably expected me to know i was being overpaid due to the statements they sent me with calculations.


It's between feb and 26th march. However the benefit decision with calculations letter they had sent me was dated thursday 23rd march and i didn't recieve them until monday 27th March . If the overpayment was between feb and 26th march, could i argue that i wasn't expected to know as i would have already been overpaid by the time i recieved the calculations?


I admit i didn't thoroughly check it as it came in a large envelope and the 1st decision notice had the correct earnings so i assumed it was the same with all of them and on 7th April i recieved new calculations for benefit starting 3rd April which had my earnings wrong so i looked at the rest and went into the centre and told them 2 decision notices had my earnings wrong.


I saw the same woman at the front desk who made the error but she failed to tell me to my face that she accidently calculated my earnings wrong and that it would have caused an overpayment and it would be recoverable and that has annoyed me the most.

Edited by honeybee13
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