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    • Thanks, @FTMDave for your feedback, I will take your points on board. I was using the title "Mitigation" in an attempt to convey how reasonably I have behaved, and how stubborn and overzealous (i.e. unreasonable) the claimant and their solicitors are. Any suggestions for a more appropriate title ? Cheers --skeet23
    • Hi guys   4 old debts (catalogues) have been sold to Lowells, I requested copies of credit agreements and received them this week.  I also received a notice of assignment from them for an old Vanquis account.  I need to pay these debts off but don't want them touching my bank account so was thinking of setting up a standing order.  I guess I will have to send them details of income and expenditure.  My question is, do I need to give my husband's details?  We are not really getting on at the minute and this will be the last straw for him so I would rather just leave him out of this.   Many thanks for reading x
    • I am unable to get credit of any description, apart from a payday loan with expensive Provident.   I have 3 accounts, 2 with Capital One, the other with Vanquish.   These 3 do show late repayments, but Capital One is showing partically settled in September 2018 and Vanquis settled in full in December 2016.   The main issue I had is with NewDay Ltd.   I notified NewDay that my disability living allowance was stopped after I had my review when I went to transfer over to PIP.   NewDay were sympathetic, and agreed to place my account on hold, freezing interest and payments etc etc.   On the 4th May 2018, I received a letter from NewDay; theyagreed that due to my financial issues, they would no longer chase me for payment.   Soon after, a default was issued with with credit reference agencies that the account default with a default date of 12th June 108.   Why then agree to not chase me for payment then issue me with a default seems to me to be grossly unfair!?   I did a Notice of Correction on my credit file to show lenders that my account was on hold, and they agreed not to chase me for payment.   Can anyone please give me some advice?   I have a good income of £1100 a month in benefits income, and I state on applications I am retired.   I am initially accepted for credit, but they then go to the CRA's, I am then declined.   Its frustrating I can only get a loan with Provident.
    • Sorry, I don't think I explain my case correctly. I'm the guarantor for a friend that rented a shop. My friend couldn't make rent repayment and the landlord terminated her contract. Now the landlord (claimants) has taken out the claim against me as I was the guarantor and is responsible for my friend's debt. When I first  became the guarantor, I signed an agreement with the claimants. ( 1st agreement) A year later I had a meeting with the landlord to discuss my debt situation and told them I was struggling to make repayment. They agreed to give me a debt deduction and other terms, so a new agreement was drawn up (agreement 2). to replace the 1st agreement.   In 2016 I received a warning letter for late repayment. No further warning letter or contact has been made by the claimant since 2016 so I was shocked when I received the money claim.  Claimants have only attached the 1st agreement with their claim form and they denied there was a 2nd agreement. Now they have submitted their final witness statement and attached the 1st and 2nd agreement. Proving the 2nd agreement does exist.   My question is; 1. How important is it that no letter before action was sent before I received the money claim? 2. Now there's proof of a 2nd agreement which was signed and dated after the 1st agreement. Does it prove that the 1st agreement is invalid? 3. Would the court dismiss this claim if they believe the claimants have submitted an invalid agreement for their money claim?    Thank you. 
    • Hi   What date did they move into the Property & when did the Tenancy end?   How long was the initial Tenancy Agreement for?   Did you pay a Deposit/Holding Deposit for the Property?   Exactly what Notice of Arrears was given and when(what date)? (if for rent arrears)   Are they still in the Property or have they ended their Tenancy as per the Notice requirement to end that tenancy?   Is the Claim for Rent Arrears/Damages etc.?   Have you sent a Subject Access Request (SAR) which is free(due to GDPR) to the Landlord/Letting Agent asking for 'ALL DATA'?    
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JOHNNYBOYJO

self employed in construction industry 30% deducted

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hello

have been self employed recently and have had my invoices deducted by 30% by the construction company thats paying me.

How do i claim this back?

 

Need the help please

new to this so be gental with me ....:-D

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Hi JBJ,

 

Further to the link above, if you haven't yet registered as a subbie in the CIS Scheme, you should do so to avoid tax being withheld at 30% instead of the normal 20%.

 

This gives more info - https://www.gov.uk/what-you-must-do-as-a-cis-subcontractor

 

:-)


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Hello

Thank you

As i have not registered yet for this how do i claim this back? is it calculated when i submit my tax return self assessment on-line? thank you

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are you registered with HMRC as self employed? have you registered for CIS?

You can reclaim the money from HMRC after you have proven that you should be paid gross. They like to pay you back after the end of the tax year but if the amount deducted is much greater than your expected tax liability they will set things in motion earlier. As end of tax year is only a month and a bit away i cant see them hurrying to help you.

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hello

yes registered as self employed last year but not on CIS. as yet

Just need information regards the deductions.

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Hi JBJ,

 

Then you need to register as a CIS subbie.

 

It's all there for you to read in the link in post #3 above.

 

If you are to continue to work as a subbie, you can get the lower rate of withholding tax deducted, or you can apply to be paid gross and pay tax and NIC using the Self Assessment returns system.

 

If the work as a subbie was a one-off, you can apply to have the tax deducted repaid (if applicable) after the current tax year ends on 5/4/18.

 

:-)


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

 

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