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    • Defence submitted. On my clear score report there doesn't seem to be any date of default noted, nor can I see where that might appear. When they responded to my CCA and CPR requests they didn't give me a default date either. So, what happens now? Is it likely that I'll actually have to go to court over this?
    • Hi Andy, thanks for the reply. I guess I will need to get copies of the agreement to check that, which may take some time.   What do you suggest I should I do in the interim, as I'm conscious the clock is ticking on needing to AOS?
    • Hi everyone    ive had a card in an envelope hand delivered today from Resolvecall asking me to contact them urgently.   i want to ignore it but I’m not sure that’s the best thing to do?   i had some issues some years ago which have now all been resolved to my knowledge. Anything that I may have overlooked will be way over 6 years, I now have a very healthy credit rating with nothing on any of my credit files.   I have no idea what these people want and this is the 1st contact.    can someone point me in the direction?   thanks    mike 
    • I've been reading up on cases, especially the HSBC vs. Carey. Am I missing something?  It appears to be the conclusion that the decisions in this case meant that regardless of what date  credit agreements were entered into, a claimant no longer needs to produce a signed copy - or even original copy.  It appears that a reconstituted copy of agreement is acceptable by a court and any judge that seems to be swaying towards using it as a reason to find against a claimant could easily be reminded or prompted by their solicitor.  How do I defend my case to be any different?  It will clearly be a case of :   It looks like you probably had a credit card. They've produced a copy of original agreement and added your name and address - so that's good to go. They've got a statement showing a balance outstanding. Therefore, game up - why are you even bothering to defend?     I am working on my "Formal defence"    Can I just ask for some "bullet points"   So far - my main arguments will be that the requested "credit agreement" is not a credit agreement - it is a barely legible application form - which does not bear any account numbers which correspond with the statements produced by the claimant nor match the agreement number included in the original claim (POC).  Secondly, as helpfully highlighted by DX, their WS is relying on a screenshot of "the claimant's predecessors system screen" to show that a default notice was issued on 08/06/2010; clearly there is no copy of said Default notice. Other items I have up my sleeve - should I include? - are the discrepancy in the amounts owing between the Assignment notices - Lloyds stating a figure in excess of £6k (dated 29/6/19) and a letter from Hoist informing me of this assignment but stating an outstanding amount of £4.5k (the amount of the claim).  Clearly, the lack of reference numbers - i.e. their claim does not match the 16 digit credit card number shown on the numerous statements they have included in their WS. And do not match a number shown on the blurry application form. Also, the application form is dated 1998, the first statement they provide is 2010 - can I use this gap/lack of evidence in my favour? I notice on my "illegible" application form there was a reference to "credit card payments insurance" (I assume this is PPI) - during my research, I'm sure I read that any t&c provided should also include this - I notice their seven added pages make no reference to PPI - which even if I didn't take it out would surely have been needed to be included?   So - just to summarise - is it the "poor quality credit agreement"; the fact that they haven't even declared that they are producing reconstituted copies of t&c and the lack of default notice having been issued - well lack of copy?   On the flip side - where do I stand in terms of the payments I was making - allegedly to this account - via Robinson Way? Is that a case of acting dumb/naive?   Thanks very much everyone.   Barafear.    
    • it sometimes takes a good while for all related entries to be removed.   dx
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Help Needed RE HMRC Letter

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Just got a Annual Review letter dated May 21st arrive today, it is to do with WTC

 

We are not entitled to WRC but are paying pay money owed to HMRC due to their error, paying £100 a month.

 

The letter states over payment, up to April 2017, 3 931.71

 

£100 has already been paid back by us???? been paying since last year and have bank statements

 

£526.39 is due from us now! and £305.32 is still to be confirmed as over paid

 

I rang them and was told they can see we have a payment plan in place etc and that the £305.32 is owed to them but we will find out how to pay it by September,

I asked how can we owe them when we do not get WTC and have not done so for awhile, all was told wait till September?

 

I am fuming as not missed any payments

 

TIA for and help and advice

 

Sandy xx


R.I.P my beautiful grey ghost, gone but never forgotten, taken so suddenly, 04/07/2004 ~ ~ 02/03/2017

Gone but never forgotten,Little Miss Sunshine, Alisha Marie. 15/12/2005 ~ ~ 13/02/2006

Our  beloved Dalmatian Jazz,  gone to join Wal at Rainbow Bridge, hope you are now pain free .  20/9/2005 ~ ~ 24/3/2019

 

 

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Has anyone else had to deal with this?


R.I.P my beautiful grey ghost, gone but never forgotten, taken so suddenly, 04/07/2004 ~ ~ 02/03/2017

Gone but never forgotten,Little Miss Sunshine, Alisha Marie. 15/12/2005 ~ ~ 13/02/2006

Our  beloved Dalmatian Jazz,  gone to join Wal at Rainbow Bridge, hope you are now pain free .  20/9/2005 ~ ~ 24/3/2019

 

 

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I am worried about this and have no idea what to do, and No I did not record the phone call as not able to.

 

Is it best to write to them or just wait to see what September brings?, like said our WTC stopped well over a year ago

 

Sandy xx


R.I.P my beautiful grey ghost, gone but never forgotten, taken so suddenly, 04/07/2004 ~ ~ 02/03/2017

Gone but never forgotten,Little Miss Sunshine, Alisha Marie. 15/12/2005 ~ ~ 13/02/2006

Our  beloved Dalmatian Jazz,  gone to join Wal at Rainbow Bridge, hope you are now pain free .  20/9/2005 ~ ~ 24/3/2019

 

 

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What error have HMRC made?

 

And yes, keep everything in writing, you want a paper trail of evidence, especially as you can't record your calls.


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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Hi BB

Sorry for late reply, HMRC kept paying us WTC despite us telling them in writing and filling in the forms that I now got a pension.

Thye then told us they had overpaid us and gave us a figure which was a lot more then we had, sent all revised figures back to them and this bought the over payment down a lot ( was over £3k, ended up being around £1,500) we said would pay it back £100 each moth.

It is supposed to finish in October if I recall, have kept letters and will find them all out, so where they still say we owe what they say is beyond me!

 

My phone is only a basic house phone and so is my mobile, We told them about the pension and the fact he was now on the so called living wage so they knew all this, they sent out a revised letter but even that was wrong as got his annual salary way off

That was in the end sorted but now we get this letter

 

Sorry for long winded reply

 

Sandy xx


R.I.P my beautiful grey ghost, gone but never forgotten, taken so suddenly, 04/07/2004 ~ ~ 02/03/2017

Gone but never forgotten,Little Miss Sunshine, Alisha Marie. 15/12/2005 ~ ~ 13/02/2006

Our  beloved Dalmatian Jazz,  gone to join Wal at Rainbow Bridge, hope you are now pain free .  20/9/2005 ~ ~ 24/3/2019

 

 

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Hi BB

Sorry for late reply, HMRC kept paying us WTC despite us telling them in writing and filling in the forms that I now got a pension.

Thye then told us they had overpaid us and gave us a figure which was a lot more then we had, sent all revised figures back to them and this bought the over payment down a lot ( was over £3k, ended up being around £1,500) we said would pay it back £100 each moth.

It is supposed to finish in October if I recall, have kept letters and will find them all out, so where they still say we owe what they say is beyond me!

 

My phone is only a basic house phone and so is my mobile, We told them about the pension and the fact he was now on the so called living wage so they knew all this, they sent out a revised letter but even that was wrong as got his annual salary way off

That was in the end sorted but now we get this letter

 

Sorry for long winded reply

 

Sandy xx

 

Just work from your own records and ignore the weird ways of HMRC. All you know is that you had £1500 to repay, with you paying £100 per month over 15 months. Keep to this schedule and once you have repaid confirm in writing to HMRC that the overpayment has fully been repaid.

 

That should be the end of the story.


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Thanks Uncle, so come October I can cancel the DD for them? I will also write to them to inform them, all was told is expect a letter for further payment in September

 

We will see

 

Sandy xx


R.I.P my beautiful grey ghost, gone but never forgotten, taken so suddenly, 04/07/2004 ~ ~ 02/03/2017

Gone but never forgotten,Little Miss Sunshine, Alisha Marie. 15/12/2005 ~ ~ 13/02/2006

Our  beloved Dalmatian Jazz,  gone to join Wal at Rainbow Bridge, hope you are now pain free .  20/9/2005 ~ ~ 24/3/2019

 

 

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Thanks Uncle, so come October I can cancel the DD for them? I will also write to them to inform them, all was told is expect a letter for further payment in September

 

We will see

 

Sandy xx

 

Yep once you have made the final repayment cancel the DD and write to confirm the end of your repayments.

 

Not sure why they would be writing to you in September ? Is September relevant to anything ?


We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

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Not as far as I know, only going by what the man said when I spoke to him. I did tell him the payments were due to end in October and he said we still owe money! asked why and he just said from last year and do we get over £18k or under

 

It really is time they got their act together

 

Sandy xx


R.I.P my beautiful grey ghost, gone but never forgotten, taken so suddenly, 04/07/2004 ~ ~ 02/03/2017

Gone but never forgotten,Little Miss Sunshine, Alisha Marie. 15/12/2005 ~ ~ 13/02/2006

Our  beloved Dalmatian Jazz,  gone to join Wal at Rainbow Bridge, hope you are now pain free .  20/9/2005 ~ ~ 24/3/2019

 

 

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Have you fired off a complaint to them regarding this?


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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Not yet Bazooka

 

It really is appalling how they treat people and also worrying


R.I.P my beautiful grey ghost, gone but never forgotten, taken so suddenly, 04/07/2004 ~ ~ 02/03/2017

Gone but never forgotten,Little Miss Sunshine, Alisha Marie. 15/12/2005 ~ ~ 13/02/2006

Our  beloved Dalmatian Jazz,  gone to join Wal at Rainbow Bridge, hope you are now pain free .  20/9/2005 ~ ~ 24/3/2019

 

 

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It really is appalling how they treat people and also worrying

 

I quite agree, hence why the sooner the complaint goes in, copied in to your local MP, the better, just because this is HMRC, it shouldn't give them carte blanch to act with near impunity.


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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