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    • Is this correct ?
    • OK, so I've rather unfairly picked up a CCJ from a business overdraft debt that's been going on for years. I had court claim forms in 2014 which I managed to stave off. and again in sept 2016. This time I've acknowledged the service, filling in what I thought was the correct amount I thought I owed. I've since had the personal guarantee paper copies in my possession and I owe £21K. I sent them back along with a new address for all correspondence to be sent to, and then agreed to a Tomlin order to pay debt off monthly.  Now, these were sent back and forth and eventually signed, but apparently only partially. So DD was set up at same time, in Jan 2017. over next couple of months we paid, and also go letters to sign new Tomlin which we ignored as it was signed. In March we got another TO with 7 days to sign it and send back. We had one day to get this to them and phoned to say it wouldn't be there, that's ok they said, well extend it, just keep paying and send it back asap, we did send recorded (since lost receipt). We assumed they'd got it, and didn't hear a peep from them. Until July 18, when I found id got a CCJ from Feb that year. I've logged a complaint with solicitor, and had a response, they are denying any knowledge of anything. They had no TO so took it to court without my knowledge.  I didn't think there was anything I can do. However, as it turns out, the court sent papers to an old address even though solicitor had new address for 13 months, and address for correspondence was on the claim papers I sent back. Upon closer inspection the numbers are all wrong too, nor a lot but its about £200 adrift. We called their office too within the 30 day notice period, oddly they have no record of that.  And all this is on a "Business Charge Card Guarantee" …. anyone explain that?? In the mean time we've paid £5K+ of the debt off. At no point did anyone in the process let us know we'd had the CCJ logged against us. Is that right?? Or legal? I was intending to get it set side, but was told by them it was pointless. Just want to get back to point A. Paying it isn't the problem, it getting the CCJ reset. Please Help!!! 
    • same with jaguar s-types etc. all kind of weird issues if the battery is on the way out or the terminals/earth straps are not reconnected tightely/properly.   mine was the earthing strap to the gearbox, was rotted and got knocked during the gearbox oil change.
    • what have they got that they can respond too that counters your SB defence? zilch.   as with every erudio claimform or PAPLOC thread on CAG you solely got the claim because for whatever reason , to that date, everything was ignored.   once a response is made they go away.   default CCJ avoided. you must read up and understand how arrows [erudio!!] operate  
    • so won by a section 75 claim under the consumer credit act then   consequential losses are also covered by section 75 as the card provide is equally liable as you've already found out   as for the dealer and court there is no time limit, well 6yrs I believe   though it would be a tough battle but made slightly easier as BC coughed up. but again what would you in all reality 'win' probably go bust or change name        
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dr fox

Shortfall in NI Contributions

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Hi,

Got a letter in today with a demand of £600 for a shortfall in my NI contributions from 2011 - 2015 which was 100% my fault. The letter basically said if it was not paid then they would pass it to a debt collectorlink3.gif although no date was given as to when it had to be settled.

 

Called HRMC today and spoke to a guy who was great and advised that i could set up a payment plan but had to transfer me to their debt section to arrange this.

 

Got through to a very arrogant [removed] woman who asked for the full amount to be paid today. I explained that due to the time of the year and my tax bill that was due (Not her fault i know) that i didnt have a spare £600 to pay in one.

 

She told me she could take £190 today and the rest would need to be paid by January. Told her that i could pay £100 per month but she said no this is not something that can be paid over that length of time.

 

She then told me to get a small loan or borrow the money. I told her i wouldnt be willing to do this. She then asked me why i had called her if i wasnt willing to make payment. I really had to just put the phone down on her as i didnt like the way i was being spoken to.

 

Anyway, It was my fault and not theirs and I have to pay it. I could pay it all today but that kind of drains me over christmas.

 

So my question is there any way that i could get them to accept a payment plan or do i just give in?

 

 

Ta

Edited by honeybee13
Possible racist remark removed

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phone the person you first spoke to and tell them about the behaviour of the lady and say you want to make a complaint and who do you write to. Then explain about requiring 3 months to pay it off and say that you will not speak to that individual again so can they suggest an alternative. Try and record your conversations, even if it is with a dictaphone. Then if they are rude you can let them know afterwards that you have recorded them and will be sendinga copy of the tape in with your complaint.

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Hi and thanks for your reply.

 

I just bit the bullet and paid it off as i would be stressed having that over the christmas period. At least i can now be stressed at being skint over christmas unless the work come in again :|

 

When i called them it did say calls were recorded so i left feedback for the person who wasnt helpful. I honestly wasnt expecting to be spoken to like that so she caught me unaware.

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Ask for a copy of the recording.

You will then find out they have lost it or the recording equipment wasnt working that day.

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They have to be quite forceful when speaking to customers on the phone, otherwise they wouldn't get payments at all. Don't forget that this team deal only with people who owe tax, whatever the reason. Their aim is to get as many full payments as possible and knowing your tax history they have a good idea whether you can afford to pay or not. They have heard all the excuses and being a little short at Christmas won't wash with them, that just proves to them that you have the money. They see it as a priority debt regardless of where it sits in your list or priorities.

 

All calls to the debt team are recorded. The complaints team will listen to all your recent calls if you make a complaint.

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They have to be quite forceful when speaking to customers on the phone, otherwise they wouldn't get payments at all. Don't forget that this team deal only with people who owe tax, whatever the reason. Their aim is to get as many full payments as possible and knowing your tax history they have a good idea whether you can afford to pay or not. They have heard all the excuses and being a little short at Christmas won't wash with them, that just proves to them that you have the money. They see it as a priority debt regardless of where it sits in your list or priorities.

 

All calls to the debt team are recorded. The complaints team will listen to all your recent calls if you make a complaint.

 

It was class 2 National Insurance and she had all my tax information in front of her which shows all my tax returns are upto date as well as my tax bills. The bill that they sent had flagged up due to the new system where they now collect NI along with the tax. So i assumed that the class 2 was still being taken from my Direct debit but for some reason they stopped taking it. My fault for not noticing it but their fault for not collecting it for whatever reason, so when they send you a bill out of the blue i should been the one pSSd off but i owed it and paid it.

 

I appreciate that they do have to be forceful to get payments but i was phoning to arrange a payment plan but there is a difference between that and being arrogant and rude. No need for that when i was trying to pay.

 

I actually was struggling to also make her out, maybe there calls are sent to Nigeria !! Paid by bank transfer just incase !! Yep that was a dig !

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