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    • Not your debt not enforceable most likely so why would you "Volunteer" to give them a stake in your property?  If you don't volunteer  they can't do diddly.
    • Fraudsters are using the details of firms we authorise to try to convince people that they work for a genuine, authorised firm. Find out more about this ‘clone firm’. View the full article
    • We believe this firm has been providing financial services or products in the UK without our authorisation. Find out why to be especially wary of dealing with this unauthorised firm and how to protect yourself from scammers. View the full article
    • Yup, tax credits are know for making mistakes. It took me 5 minutes to find  out they fabricated a phone call and had me earning 5 k more than I actually did
    • On 3 February 2003 I opened a credit card account with Lloyds TSB.   In May 2009 I defaulted and the proverbial hit the fan and the debt was passed to Cabot.   Any PPI was investigated by the Citizen’s Advice Bureau back in 2009 and all was found to be above board.   I have since that time continued to pay £1 every month to Cabot without sending any details of my income mainly because my circumstances never changed.   Recently I have received a letter from Cabot Financial. They’re considering legal action as they require an update about my situation. If they do not hear from me within 38 days my account will be placed with their solicitors whereby they will send me a “Letter Before Action” and subsequently a court claim will be issued against me. It details all the threats of a CCJ and the outcome from obtaining that would bring, including a warrant of control – enforcement agents (bailiffs) will visit me at home for the money or remove goods.   I am unemployed but not claiming benefits. Do not own any property or goods of any substantial value, only a second hand bicycle and this computer bought in 2012.   I’m not too concerned about a CCJ and I’d rather get this done and dusted after all these years of waiting for such a letter from Cabot. The debt today stands at £9500.00   Perhaps the next step should be send a SAR to Lloyds and a CPR 31.14 to Cabot…. And await the claim form.  
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    • I came across this discussion recently and just wanted to give my experience of A Shade Greener that may help others regarding their boiler finance agreement.
       
      We had a 10yr  finance contract for a boiler fitted July 2015.
       
      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
       
      It all started mid summer during lockdown when they refused to service our boiler because we didn't have a loft ladder or flooring installed despite the fact AS installed the boiler. and had previosuly serviced it without issue for 4yrs. After consulting with an independent installer I was informed that if this was the case then ASG had breached building regulations,  this was duly reported to Gas Safe to investigate and even then ASG refused to accept blame and repeatedly said it was my problem. Anyway Gas Safe found them in breach of building regs and a compromise was reached.
       
      A month later and ASG attended to service our boiler but in the process left the boiler unusuable as it kept losing pressure not to mention they had damaged the filling loop in the process which they said was my responsibilty not theres and would charge me to repair, so generous of them! Soon after reporting the fault I got a letter stating it was time we arranged a powerflush on our heating system which they make you do after 5 years even though there's nothing in the contract that states this. Coincidence?
       
      After a few heated exchanges with ASG (pardon the pun) I decided to pull the plug and cancel our agreement.
       
      The boiler was removed and replaced by a reputable installer,  and the old boiler was returned to ASG thus ending our contract with them. What's mad is I saved in excess of £1000 in the long run and got a new boiler with a brand new 12yr warranty. 
       
      You only have to look at TrustPilot to get an idea of what this company is like.
       
      • 3 replies
    • 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.
       
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
       
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
      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.
       
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
       
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
       
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
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Hi everyone,

 

My son works for a sole trader and yesterday informed my son that due to a PAYE error (which he admits was his mistake) my son had underpaid tax for the past three months and an amendment would be made to this months wages.

 

This morning he checked his pay with the bank and found that his employer had deducted almost £1,000 as the unpaid tax (incidently, he only pays about £1200 for the whole year.

 

He is now left with insufficient funds to pay his rent and other essential bills.

 

His boss freely admits that the error is fully his error.

 

The HMRC haven't notified my son or the employer.

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Thats bad PAYE Admin right there. They are supposed to deduct it equally over the remaining tax year to a degree. It may overflow into the next tax year if it is too much.

He needs to take this up with Payroll and they should amend accordingly.

 

We could do with some help from you.

 

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**Fko-Filee**

Receptaculum Ignis

 

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Thanks fkofilee,

 

He's still waiting a reply from his employer.

 

We have gone through his payslips and have found the error ourselves, for the past few months instead of tax being deducted he has been having that amount as tax refunded - his employer has admitted that there was a problem with the PAYE software he uses to calculate staff pay.

 

Lesson for our son to always check the full payslip and not just the NETT pay - thing we all fell in to that trap in our younger days :roll:

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His employer will be using RTI and depending on how he has made the entry will depend on what it says has to be paid for Tax & NI. The employer would have been better contacting HMRC for help as he may be able to change the weekly summaries. Has there been a big change in your sons tax code?

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His employer will be using RTI and depending on how he has made the entry will depend on what it says has to be paid for Tax & NI. The employer would have been better contacting HMRC for help as he may be able to change the weekly summaries. Has there been a big change in your sons tax code?

 

In short... Yes there will be...

Ask him to speak to HMRC in this case for an update on the tax code...

 

We could do with some help from you.

 

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

 

**Fko-Filee**

Receptaculum Ignis

 

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You can use this to calculate what should be stopped each week and although we are on Week 35 you can change the date & week number to go back to the beginning of the tax year.

 

https://www.uktaxcalculators.co.uk/

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