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    • I have read through a number of similar threads, but one thing i'm not sure how to proceed about is that I live abroad in the middle east and have done for several years. The claim letter was sent to my parents address and I really don't want them to be harassed about this. I am sure I sent the original creditor a registered letter with my change of address but can't find this currently. I am not in a position to pay this, and tend to come back to the UK to see family at most once a year (less since Covid), so not particular bothered about my financial score...more concerned about harassment of my parents. I have not registered on the gov gateway or anything like that.  Details below (as best as i can), and thank you for taking the time to look into it. Also redacted claim form attached: Which Court have you received the claim from ? Civil National Business Centre (Northampton) If possible please scan redact and upload a full page copy of page 1 of the claim form. (not the response page or AOS) Name of the Claimant ? PRA Group (UK) Limited   How many defendant's  joint or self ? Self   Date of issue – top right hand corner of the claim form – this in order to establish the time line you need to adhere to. 23/5/24   ^^^^^ NOTE : WHEN CALCULATING THE TIMELINE - PLEASE REMEMBER THAT THE DATE ON THE CLAIMFORM IS ONE IN THE COUNT [example: Issue date 01.03.2014 + 19 days (5 days for service + 14 days to acknowledge) = 19.03.2014 + 14 days to submit defence = 02.04.2014] = 33 days in total   Date of issue XX + 19 days ( 5 day for service + 14 days to acknowledge) = XX + 14 days to submit defence = XX (33 days in total)  if your defence filing date falls on a W/End, you must file by friday @4PM Tues, 11/6/24 (19 days)  Thurs, 25/6/24 (33 days)   Particulars of Claim   What is the claim for – the reason they have issued the claim?  The Claimant claims the sum of £7926 for an outstanding debt owed. On 20/4/18 the Defendent entered into an agreement with Lloyds Bank for a Credit Card under reference [16 numbers]. On 10/5/22 the Defendant defaulted on the agreement with an outstanding balance of £7296. On 28/11/23 the debt of £7296 was assigned to PRA Group (UK) Limited, who itself assigned the debt to PRA Group UK Portfolios Ltd on 30/12/23. Notices of assignment were sent to the Defendant in accordance with S136 Law of Property Act 1925. The Claimant has instructed PRA Group (UK) to act on its behalf and the CLAIMANT CLAIMS 1. The sum of £7925   What is the total value of the claim? £8481 Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? No   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? Yes   Did you inform the claimant of your change of address? I believe I sent a letter by registered mail of a change in address to abroad in 2021. Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Credit card   When did you enter into the original agreement before or after April 2007 ? After   Do you recall how you entered into the agreement...On line /In branch/By post ? Online   Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? Yes   Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Debt purchaser   Were you aware the account had been assigned – did you receive a Notice of Assignment? Not personally - probably sent to my parents   Did you receive a Default Notice from the original creditor? Not personally - probably sent to my parents   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? Not personally - probably sent to my parents Why did you cease payments? Unable to afford, living abroad   What was the date of your last payment? Unsure (probably 2021)   Was there a dispute with the original creditor that remains unresolved? No   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No     Claim form 23-5-24.pdf
    • While we wait for someone to explain how farage is any better than sunak  .. if not worse   One of many likely upcoming belly laughs   Reform chairman Richard Tice has accused the Tories of (reform like) “dirty tricks” after one of his party’s candidates withdrew his papers to stand at the last minute and endorsed former cabinet minister Sir Gavin Williamson. In a dramatic final 24 hours before nominations closed there had been fevered speculation that as many as six Tory MPs and other candidates could defect to Reform after Nigel Farage decided to stand in Clacton and become leader. But instead no Tories switched and Tom Wellings, the Reform candidate for the new seat of Stone, Great Wryly and Penkridge in Staffordshire, quit and put out a statement endorsing Sir Gavin.   Who does he think he is an Anderson, a Carswell !!! was heard at the reform HQ pub ... as Candidate brushed aside by Farage in clacton to run as an independent    Tice accuses Tories of ‘dirty tricks’ to persuade Reform candidates to stand down WWW.INDEPENDENT.CO.UK Exclusive: A furious row has broken out after a Reform candidate’s last minute defection to the Tories   :ROFL  
    • See what you think of the attached. I have to do some proofreading of an English grammar book for an Italian publisher this weekend - for money! - so I'm afraid corrections and suggestions will come in dribs & drabs.  I've totally knackered the layout, the numbering and the order of your Exhibits but there will be several versions done so don't worry about that ATM. Your arguments are superb. What is less superb is the way you jump from one to the other and back again, so I haven't changed your words, but I have moved the paragraphs around and given each section a heading. New bits are shown in red. Crossed out crossed out in black is something you've quoted from the government Code of Practice, but that has since been withdrawn so unfortunately that argument has to go. Your paras 7 & 8 don't harm your case but to me are waffle and can go.  Keeping the arguments clear & concise will always impress a judge. IMPORTANT - did you ever send Simple Simon a CPR request?   Defendant's WS - version 2.pdf
    • Björn Ulvaeus appeared on stage in East Yorkshire at a conference held at the Bridlington Spa.View the full article
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

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Help please housing benefit


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now i have submitted an appeal they are really pushing me to agree a payment plan and i find that very suspicious.

 

Wait until they have carried out the appeal.

 

Any notion of a payment plan before then is a bit premature.

 

But do your own I&E and then you will be able to tell them what you can afford to pay back as part of a payment plan if needed.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Wait until they have carried out the appeal.

 

Any notion of a payment plan before then is a bit premature.

 

But do your own I&E and then you will be able to tell them what you can afford to pay back as part of a payment plan if needed.

 

Good advice.

In the appeal letter request that they consider holding recovery until the outcome of your appeal is known.

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

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had a reply after my appeal

i will send the full content when i get home.

 

basically they are saying i cannot appeal because its law and sent me a DWP document stating regulation 23 of the housing benefit regulations 2006.

HB/CTB circular A30/2004 overpaid tax credits

38 if an overpayment of tax credits has occurred during a period i which HB/CTB was also payable, and the overpayment of tax credits is subsequently recovered, there is no provision in regulations to reassess the HB/CTB awarded for that period.

i have looked at regulation 32 and it dose not mention anything about overpayments

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this is the actual document they have sent.

Regulation 32 Calculation of average weekly income from tax credits

6 March 2006

 

 

 

(1)

This regulation applies where a claimant receives a tax credit.

 

(2)

Where this regulation applies, the period over which a tax credit is to be taken into account shall be the period set out in paragraph (3).

 

(3)

Where the instalment in respect of which payment of a tax credit is made is—

 

(a)

a daily instalment, the period is 1 day, being the day in respect of which the instalment is paid;

 

(b)

a weekly instalment, the period is 7 days, ending on the day on which the instalment is due to be paid;

 

©

a two weekly instalment, the period is 14 days, commencing 6 days before the day on which the instalment is due to be paid;

 

(d)

a four weekly instalment, the period is 28 days, ending on the day on which the instalment is due to be paid.

 

(4)

For the purposes of this regulation “tax credit’ means child tax credit or working tax credit.

 

 

 

 

 

HB/CTB Circular A30/2004

Overpaid tax credits

38 If an overpayment of tax credits has occurred during a period in which HB/CTB was

also payable, and the overpayment of tax credits is subsequently recovered, there

is no provision in regulations to reassess the HB/CTB award for that previous

period

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The A30 means that the overpayment stands as it's the income you received at the time that they use. This also works in some people's favour as if you were underpaid tax credits for the period, they don't go back and decrease your HB.

Is your overpayment from your increased wages when you went self employed?

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

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The overpayment was only a small amount I'm talking a couple of hundred. That's my gripe a couple of hundred over and they want thousands back

 

Have you spoken to your local MP or councillors?

 

Have you exhausted their complaints procedure?

 

Have you got them to explain FULLY, in language you understand, HOW they have arrived at the figures they're quoting you to be repaid??

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Have you spoken to your local MP or councillors?

 

Have you exhausted their complaints procedure?

 

Have you got them to explain FULLY, in language you understand, HOW they have arrived at the figures they're quoting you to be repaid??

 

How long ago was it calculated? If it's thousands it might go to the investigation team.

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

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local mp is not an option staunch conservative who regularly votes against human and workers rights. in the news for telling a student to f off back to scotland

 

have councillors got any say ?

 

according to them i don't have a claim as its law (not sure about that)

 

they have explained but in there language

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local mp is not an option staunch conservative who regularly votes against human and workers rights. in the news for telling a student to f off back to scotland

 

have councillors got any say ?

 

according to them i don't have a claim as its law (not sure about that)

 

they have explained but in there language

 

They are correct. The law has been correctly applied & they can not intervene.

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

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They are correct. The law has been correctly applied & they can not intervene.

 

Did you preside over this case then??

 

crock, you say your local MP isn't an option, so that tells me you've not exhausted all avenues of complaint, regardless of your opinion of your local MP and Cllrs, they have a DUTY to their constituents.

 

You need to tell them that the LA they preside over is failing its constituents, and failing to answer complaints in a language YOU understand.

 

You could of course, roll over and accept being royally shafted, which makes this whole post pretty pointless?

 

You asked for advice, some have given it, but you seem keen not to action any of it.

 

IF the LA has given you its final response, or a ''deadlock'' letter, then they will tell you who you can escalate your complaint to.

 

From what you say, this hasn't happened?

 

Go back to the LA, tell them you do not accept their response, and wish to escalate the complaint further, once its reached the top of their complaints process, they will issue you with a deadlock letter, or their final response, and it will give you the address or contact details of who you're able to escalate it to.

 

If you're unhappy with the response you get from the LA, then copy in your local MP and councillors along with your complaint, so as you can escalate this further, out of the LA's hands and onto the local government ombudsman.

 

The previous post is flippant at best.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Did you preside over this case then??

 

crock, you say your local MP isn't an option, so that tells me you've not exhausted all avenues of complaint, regardless of your opinion of your local MP and Cllrs, they have a DUTY to their constituents.

 

You need to tell them that the LA they preside over is failing its constituents, and failing to answer complaints in a language YOU understand.

 

You could of course, roll over and accept being royally shafted, which makes this whole post pretty pointless?

 

You asked for advice, some have given it, but you seem keen not to action any of it.

 

IF the LA has given you its final response, or a ''deadlock'' letter, then they will tell you who you can escalate your complaint to.

 

From what you say, this hasn't happened?

 

Go back to the LA, tell them you do not accept their response, and wish to escalate the complaint further, once its reached the top of their complaints process, they will issue you with a deadlock letter, or their final response, and it will give you the address or contact details of who you're able to escalate it to.

 

If you're unhappy with the response you get from the LA, then copy in your local MP and councillors along with your complaint, so as you can escalate this further, out of the LA's hands and onto the local government ombudsman.

 

The previous post is flippant at best.

 

No I didn't. What I'm saying is the councillor can't do anything and appeal is the only route.

 

What I am also saying is the law says that the HB can't be retrospectively adjusted because tax credits are which appears to be the crux of the matter.

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

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have asked them to point out the law that states wftc can not be deducted after it has been paid back. from what i have recived its a circular taged on to the bottom of regulation 32. how dose that make it law ?

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have asked them to point out the law that states wftc can not be deducted after it has been paid back. from what i have recived its a circular taged on to the bottom of regulation 32. how dose that make it law ?

 

It's a clarification of reg 32, which is law. You can challenge the circular but if you are going to go down that line you need to get professional help. What I would add is it sometimes works in people's favour - tax credits were underpaid but they don't go back and amend HB.

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

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The crux of the matter is you had the income at the time the benefit was awarded and it was awarded and calculated on the correct circumstances at that time. i.e. you received the tax credits as an income.

 

You now have to pay it back, but you still had that income to spend at the time the HB was awarded and calculated, regardless of the overpayment that has now be calculated. as such you received the correct amount of HB at the time.

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So all being said, there is a repayment that needs to be made, BUT, you disagree with the total amount yes?

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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actualy the crux of the matter is that i have not had the money ! its unfair unjust and probably illegal. they only target people who are not in a position to defend themselve. i was overpaid by a couple of hundred and they expect me to pay back 5k do you think that is fair ????

the system is intended to support people in need and at the time i was in need. but the LA are now manipulating the system making up rules and lying to raise revenue.

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i disagree that what they are doing is legal. i know for a fact that if a judge says you owe money you owe money. but if you have paid the money back how can you still ow it and have it added to another debt ?

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