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    • Then say that then...   and raise an irresponsible lending claim against them if you think its true, but i seriously doubt any lender even one as bad as kenny's would not have carried out extensive checks.   Now if they did then your alternative is to get an sar running and get reclaiming all their unlawful fees.   Plenty of threads here on kenny's and reclaiming.   Dx    
    • What is the name of the company you are dealing with? Why haven't you told us? If the other thread you have been looking at is the thread relating to Ideal Windows then you will see that we have been advising that the customers should give notice. It sounds very similar to your problem. You should give notice. You must inform them that time is of the essence and that given all of the delays you can only now give them seven days to agree to complete the installation job within 14 days (including the seven days). I'm afraid that courts won't normally accept a peremptory cancellation – even if the delays have been excessive. I'm afraid that by communicating with them and broadly by accepting the delays to a certain extent, you have been complicit in agreeing the delay. So now you have to take control and bring it to an end to but you have to do this with notice. I suggested that the work should be completed within 14 days – but how long should the installation take? The reason for giving them notice is that even though a date may have been fixed for completion, generally speaking reasonable delays are considered to be acceptable – and the courts are well aware that the installer may have incurred costs and should be given a reasonable time to complete the contract. Once you give notice that the contract will be treated as terminated because the delays are becoming not acceptable – then you generally speaking satisfy the requirements of the court that you have treated the installer fairly.
    • HSBC’s results show estimated credit losses across its UK bank were just $160m in Q3, reflecting a huge drop from $1.5bn in Q2 View the full article
    • The only thing Is I cant get the stuff they want by then. They said they might stop my childcare which I rely on. Thats whats worrying me x That and I hate talking on the phone I really struggle with it.
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    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
       
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      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
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HMRC arrears requesting us to payback £7k + 1500 penalty


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Can anyone help?

 

On the 11 Jan, DX100uk asked you two questions in this forum. You haven’t responded to either of them and now you come here asking for more help whilst apparently ignoring requests for information.

 

Do yourself a favour and help the experts help you. Answer the questions already asked before bombarding the forum with new ones.

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Hello Disgruntled, not sure why you feel the need to be so rude and horrible, and I was not "bombarding" anyone merely asking if The posting rule would be applicable. If you are offended by that please go to another thread. You also have no idea what discussions I have had with other caggers without your knowledge. Happy Friday!

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So the questions then...

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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Don't worry about the 30 days appeal issue. You appealed within the time, so that is registered. The 30 days is just about registering appeal and if someone did not do this within 30 days they would have to explain reason for late appeal.

 

Seems to me that you need to obtain a breakdown calculation/proof of the arrears amount to assess this and go through your financial position to see whether this is all correct.

 

If it is, then the appeal is about the £1500 penalty. They can impose a penalty, if you should have known that there was an error and you did not seek to make contact to get it correcfed, therefore gaining financially from an error. The onus would be on you to report any issues and not the Government to find out any error.

 

I am sure if you search online about HMRC penalty appeals you will find information that will help you.

We could do with some help from you.

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Hi Pank,

 

When you appealed the matter in Jan :-

 

1. What did you say about the demand from HMRC.

 

2. Did you mention in your appeal that their letter/demand was not received until after 25th Dec.

 

3. What address did you use to appeal the demand.

 

From now on stay OFF the phone and keep all comms in writing only.

 

You can complain to The ICO about the failure to supply data as required, or you can use a special address to complain to HMRC.

 

But we can decide on what to do when we have more info back from you.

 

:-)

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

 

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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Hello,

 

When I sent the appeal in Jan I just said thank you for your letter dated the 14th Dec. I did not give the date that the letter was received.

I used the address that was on the letter the same address I have been corresponding with.

 

I did advice in my letter that I am waiting for my SAR request and until that is received I am able to give a full and final answer.

 

I have now sent another letter stating that they may have prepared their letter on the 14th of December but I did not receive their letter until after the christmas period the 3rd of January and my appeal is not late.

 

I have sent all these letters special delivery and I have not had an answer to that letter as yet.

 

Many Thanks

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Hi Pank,

 

Please confirm the address you were corresponding with as per my Q3 above.

 

:-)

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

 

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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Letter to the same address, enclosing a copy of the previous letters including the SAR, and this time say :-

 

Dear sir or madam,

 

FORMAL COMPLAINT

UTR - xxxxx xxxxx

 

I refer to previous letters that remain unanswered by HMRC. Copies of these are enclosed for your information.

 

I also made a SAR using your website on xxdate. This should have been answered within 40 days and you are already in default of this deadline.

 

Please now comply within 14 days or a formal complaint will be made to The ICO

 

In particular, I require the recordings of telephone conversations about alleged arrears and penalties due, discussed with HMRC staff on or around xxdates.

 

Yours faithfully,

 

Get a free Certificate of Posting at the PO.

 

:-)

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

 

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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