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    • I only just signed up to vote, I have never voted before, but I've never had a problem accsessing my credit file in previous years, it's like it's just been deleted?    Here's a message from another credit check place I found.   I have just moved in the last month but my bank account, new address etc are all up to date and I literally called everyone when I moved, internet, electric, gas, mobile contract, bank, everyone on the day I moved here,   When trying to get my credit report I use my new and previous addresses.   Here's a message I got ...... Why have I been unable to access my Credit Report? When completing the authentication process for access to your credit report, you will have received one of the following in-product messages to indicate why you have not received access: Thin File This means there is currently not enough credit history information held in your TransUnion file for us to produce a credit report. You can find out more about how to build your credit history in our guides. Not Found If you have not been found by TransUnion, this does not necessarily mean you do not have enough credit history or that you have poor credit history. This simply means that with the details you have provided, TransUnion have been unable to accurately match you to a credit file. Check over the details you have entered and make sure all financial accounts are up to date. If you notice that your Date of Birth, Name or Address have been filled in incorrectly, you can update this information on your account and this will initiate a new search with TransUnion to locate your credit data. Please note, a new search will only be initiated if you change your Date of Birth, Name or Address. Therefore, if you have since updated your information with public bodies or your financial accounts to match your current account information, we will be unable to initiate a new search and you may need to close your account and re-register. Failed If you have failed the authentication process then unfortunately we have been unable to provide you with your credit report. As per TransUnion policy, we are only able to provide customers with two attempts to access their credit file data, after which they will be unable to access their data through our service or receive a TotallyMoney credit report.  
    • I was going to suggest cooperating with her over the letter copies so as to look good in court, but on further consideration BazzaS & SuperVillain are right.   However, to make it easy for the judge and to show her up in court I would tweak the letter and add that this is the third time you've asked so that the expert can be "jointly instructed" and you are anxious to move things on as the two of you are already beyond the court's deadline.    You are writing to her but in a certain sense you're writing "to" the judge and what you are writing needs to be concise and follow the court's instructions - unlike her gibberish.  
    • Is there still chance to submit my defence as it is the 20th final date for submission?
    • you should have entered nothing.   this is why its so important to read instructions and other like threads carefully.    
    • As per 'post 20' you mention you do not file a defence so I entered defence to follow, should I have left blank??
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kimberleyb

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Hi,

 

I receive non-contributory ESA and also receive payments from previous self-employment (royalties etc.), so I still have to fill out a self-assessment form.

 

I had completed my self-assessment form already, on which I had stated I received £5,271.97 net profit from my self-employment.

 

Then I received a P60U form from the DSS stating I had been paid £9427.60 in ESA for the last tax year, £6069.71 of which was taxable.

 

When I phoned to check this, ESA didn't really know what they were talking about, so I phoned HMRC and they said that anything over my personal allowance of £11,000 is taxable (profit + benefit).

 

Now, £9427.60 + £5,271.97 = £14,699.57, so if you take £11,000 from that total, then that leaves £3,699.57. Surely that should be the taxable amount of benefit? Am I missing something? I can't see where they got the £6069.71 from. Am I being a moron?

 

Thanks for any help.

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Hello and welcome to CAG.

 

I'm not an expert, but over £9k in ESA in a tax year sounds huge. Is there a mistake in their figures?

 

Best, HB


Illegitimi non carborundum

 

 

 

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Thanks for the welcome. I don't know. I'm in the support group and get the severe disability premium as well. I get £373.80 every two weeks from ESA, so that's £9718.80 per year roughly.

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Hello again.

 

Thank you for the figures, I can see where the amount comes from now. I'll flag your thread for the site team because I think someone should be able to advise.

 

HB


Illegitimi non carborundum

 

 

 

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Thanks Honeybee :) Have a lovely evening and thanks for your help.

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It sounds as if some portion of your ESA is contributory and the rest of it is income related. Contributory ESA is taxable, income related ESA is not. Certainly the SDP is income related, and since you are in the Support Group you will receive the Enhanced Disability Premium as well which is also income related.

 

This seems to match up to your P60 - if you add up the SDP and EDP weekly amount, multiply by 52 and subtract it from the £9718, you'll probably get the taxable figure.

 

For your tax return, add together your self employment profit and the taxable amount only from the P60. If the total is more than £11,000, you pay tax on the difference at 20%.


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Thanks for your reply.

 

I asked ESA and they confirmed that NO portion of the ESA received was contributory.

 

Yes, I do get both premiums you mentioned. But what is this £6069.71 taxable benefit made up of?

 

I can't see where they got the £6069.71 since my benefits were £9427.60 and my profits were £5,271.97.

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Hi KB,

 

Calling the relevant agencies is not the best option - you need to write to them to get the answers you need.

 

Write to HMRC, and to DWP, separately asking them to confirm what amounts your received in the relevant year that were taxable, and non taxable.

 

Let us know how they reply.

 

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OK thank you. To be honest, I find most of their letters confusing and take ages to get a reply to. I think I will phone to check things out tomorrow, and if they can't explain it in a way I understand, then I will write to them.

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Phoning is a waste of time unless you record the calls.

 

The calls you made to DSS and HMRC as per your post #1 above were a complete waste of your time

 

They DO take a while to reply to letters and sometimes fail to reply at all. However, if this happens, you can complain to a specialist dep't who WILL reply to you.

 

:-)


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

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

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Broadly, I agree with slick132 above - writing is better. However, if you really want to phone, the specific question you need to ask is this: how has the DWP worked out how much of your ESA is taxable? If it's all income related, as they told you before, then none of it should be taxable.

 

It is the DWP which has provided that information and so at this stage there isn't much point in contacting HMRC. So the DWP should be your first point of contact.


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