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    • Future Comms issues. Read more at https://www.consumeractiongroup.co.uk/topic/416504-future-comms-issues/
      • 3 replies
    • This is a bit of a lengthy one but I’ll summerise best as possible.
      I was contacted by future comms by phone, they stated that they could beat any phone contract I have , (I am a limited company but just myself that needs a business phone and I am the only worker) 
      I told future comms my deal, £110 per month with a phone and a virtual landline, they confirmed that they could beat that, £90 per month with a phone , virtual landline  they also confirmed they would pay Vodafone (previous provider) the termination fee. As I am in business, naturally I was open to making a deal. So we proceeded. 
      Future comms then revealed that the contract would be with PLAN.COM and the airtime would be provided by 02, I instantly told them that this would break the deal as I have poor 02 signal in the house where I live as my partner is on 02 and constantly complaining about bad signal
      the salesman assured me he would send a signal booster box out with the phone so I would have perfect signal.
      so far so good.....
      i then explained this is the only mobile phone I use for business and pleasure, so therefore I didn’t want any disconnection time in the slightest between the switchover from Vodafone to 02
      the salesman then confirmed that the existing phone would only be disconnected once the new phone was switched on.
      so far so good....
      • 14 replies
    • A shocking story of domestic and economic abuse compounded by @BarclaysUKHelp ‏ bank complicity – coming soon @A_Gentle_Woman. Read more at https://www.consumeractiongroup.co.uk/topic/415737-a-shocking-story-of-domestic-and-economic-abuse-compounded-by-barclaysukhelp-%E2%80%8F-bank-complicity-%E2%80%93-coming-soon-a_gentle_woman/
      • 0 replies
    • The FSA has announced large fines against DB UK Bank Limited (trading as DB Mortgages) - DeutscheBank and also against Redstone for their unfair treatment of their customers.
      Please see the links below for summaries and full details from the FSA website.
      It is now completely clear that any arrears charges which exceed actual administrative costs are unfair and therefore unlawful.
      Furthemore, irresponsible lending practices are also unfair and unlawful.
      Additionally there are other unfair practices including unarranged counsellor visits - even if they have been attempted.
      You are entitled to refuse counsellor visits and not incur any charges.
      Any charges for counsellor visits must not seek to make profits. The cost of the visits must be passed on to you at cost price.
      We are hearing stories of people being charged for counsellor visits for which there is no evidence that they were even attempted.
      It is clear that some mortgage lenders are trying to cheat you out of your money.
      You should ascertain how much has been taken from you and claim it back. The chances of winning are better than 90%. It is highly likely that the lender will attempt to avoid court action and offer you back your money.
      However, you should ensure that you receive a proper rate of interest and this means that you should be seeking at least restitutionary damages - which would be much higher than the statutory 8%.
      Furthermore, you should assess whether the paying of demands for unlawful excessive charges has also out you further into arrears and if this has caused you further penalties in terms of extra interest or any other prejudice. This should be claimed as well.
      If excessive unlawful charges have resulted in your credit file being affected, then you should take this into account also when working out exactly what you want by way of remedy from the lender.
      You should consult others on these forums when considering any offer.
      You must not make any complaint through the Ombudsman. your time will be wasted, you will wait up to 2 yrs and there will be a minimal 8% award of interest and no account will be taken of any other damage you have suffered.
      You must make your complaint through the County Court for a rapid and effective remedy.

      Do you have a mortage arears claim to make? Then post your story on the forum here
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      • 0 replies

Universal Credit and Tax Rebate Question?

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Cannot seem to find the answer anywhere so was hoping someone may be able to advise onhow I may deal with this when the time comes?


Think in the four months I have been on Universal Credit I have had a full payment just the once due to having a couple of part time employers with varied offers of work and hours whilst I look again for full time.


Back in October/November I received two Tax Rebates, one higher than the other.

This was a tad surprising so I rang the Tax Office to see if this was correct and was informed that one was definitely correct but the advisor seemed a bit confused about the other and couldn’t say for sure.


He said my two options were to place the second rebate to one side until they sorted it out in April 19 or I could use it but may have to pay it back in April if it was paid in error.


My problem was is that Universal Credit takes tax rebates as earnings it affected my paymentsand I got a big fat zero that month UC wise therefore having to use the rebate to live on. Ironically the Council “do not” take tax rebates as earnings so it didn’t count against my Council Tax benefit which was a blessing of sorts but obviously if I am in the same financial situation in April and this rebate has to be paid back I am going to be in difficulty.


If that is the case and it was paid to me in error can I claim for any backdated payment of Universal Credit for that particular month?

My thoughts behind this are that I was obviously paid nothing UC wise that month due to the rebate being classed as earnings but if the rebate has to be paid back then it was earnings I technically did not have, receive, earn, if you get my drift!!!!

Ie – If I hadn’t been paid that rebate I would have received full UC for that month and I wouldn’t potentially be having to pay anything back in April to HMRC?


Of course it may be that it is a legit payment and I won’thave to pay it back but I won’t know until April.


All a bit of a disaster, I have no idea why HMRC couldn’t work this out correctly back in October…


. Thank you.

Edited by dx100uk

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I would say no as it was income available to you at the time for you to spend, regardless of whether you have to pay it back or not.


As such the UC award would be technically correct at the time the decision was made.

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Thought as much thanks tomtom. A real quandary though as the option of not spending it as HMRC suggested was difficult considering UC was zero that month due to that.

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Thought as much thanks tomtom. A real quandary though as the option of not spending it as HMRC suggested was difficult considering UC was zero that month due to that.


All that happens is that UC receives earnings data from HMRC 3 times everyday. UC then stores up this data during the assessment period and applies it to the statement for the month.


Your employers payroll should know exactly how this all works as they should have read all of the relevant instructions. They should know that the data they process, will be used by different bodies including UC. They should be fully aware that any tax refund that comes up, will be treated as earnings, as it affects the net earnings total they are reporting.


If there are issues with an employers payroll, it would be advisable to take this up with the payroll department and to ask questions about their processes.


Having seen payroll errors generated by many different organisations, including large private and public sector organisations, it does raise the question about how they manage staff data. The was one very large NHS trust that outsourced payroll and the company given the contract totally ballsed it up, leading to the NHS trust taking payroll back in months later. There seems to be a lack of care taken with the data and not enough thought that errors might cause staff suffering as a result.

We could do with some help from you.



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So it's Payroll who would make the error rather than HMRC?


Must confess I did query both at the time. In my employment which finished in July 18 (another thread where they put me on the wrong contract) I had a nightmare with the Tax Office as two months in three they placed me on a temporary tax code which meant I got walloped tax wise although I am pretty sure they rectified it the following month. Then when I left that job I received an extra £500 or so in wages which was a surprise at the time but it seemed to be because of the wrong contract scenario where they had originally kept wages back for holiday as I had been put incorrectly on a permanent contract. So when it was rectified to a fixed contract I was told the holiday pay that had been kept back had been paid in my last pay-packet but I was taxed quite heavily on that.


Then I had three casual employers. On 5th October I received a £279 tax refund from an agency through their payroll People Paye on top of wages. I can remember calling the employer rather confused and he called payroll who confirmed it was a tax refund. Then on 31st October I got a payment from another casual employer which was far to high for the work I had done. Without a payslip at the time I contacted the employer about the error and they said I had been given a £309 tax refund. To be honest one was a surprise let alone both. That's when I called HMRC and I am pretty sure they said the first one was 100% correct but they weren't sure on the second one but couldn't say for sure until April 19.


What confuses me is the different amounts. If they had both been the same you could argue a payment that's been duplicated because of two different employers but I won't be sure until April unless you think a phone call to both payrolls could solve the mystery?

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Yes it will the payroll that is totally responsible for the issues you have experienced. It is all just electronic data these days and if you cannot get payroll to confirm the information, you will need to speak to HMRC. HMRC should be able to tell you exactly what information is on your record from the employers.

We could do with some help from you.



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


If you want advice on your thread please PM me a link to your thread

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Thanks UB,,,,,


Another question whilst I am here. I have just received a phone call from a company that deals with Investment Advice, similar to PPI. They came to me over a year ago advising that they felt I had been mis sold investments many years ago. In a nutshell my bank is offering me a pay-out, which was quite a surprise!! The pay-out is in the region of 15000 so after paying this companies bill I will be left with around 9000.


I know obviously I will have to declare this to the DWP but whilst I am not working how does this affect Universal Credit? I have noted online the information about savings and capital between 6000 and 10000 but can't seem to find any definite advice regarding any lump sum windfall? Thank you.

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