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    • once a debt is sb'd nothing not even a judge can unbar it no harm in talking to BC at all. they are nothing to do with the claim they sold the debt in .........see NOA letter    
    • Here are the Particulars of Claim   Name of the Claimant ? Hoist Finance UK Holdings Limited   date of claim - 30th January 2020   Date  to acknowledge) = 17/02/2020   date to submit defence = 02/03/2020    Particulars of Claim   1. The claim is for the sum of £7939.36 arising from the defendants breach of a regulated consumer credit agreement referenced Under no xxxx926xxxxxx03   2. The defendant has failed to remedy the breach in accordance with a Default Notice issued pursuant to ss.87(1) and 88 of the Consumer Credit Act 1974.   3.The Claimant claims the sums due from the Defendant following the legal assignment of the agreement from Hoist Portfolio Holding 2 Ltd(Ex Barclaycard) Written notice of the assignment has been given.   4.The Claimant claims 1. The sum of £7939.36 2. Costs   What is the total value of the claim? £8449.00   Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC ( Pre Action Protocol) ? Yes dated 02092019   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? Not sure   Did you inform the claimant of your change of address?Not sure Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Credit Card.   When did you enter into the original agreement before or after April 2007 ?  After April 2007 actually August 2007   Do you recall how you entered into the agreement...On line /In branch/By post ? Can't recall   Is the debt showing on your credit reference files (Experian/ Equifax /Etc...) ?No idea   Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Claim issued by Hoist, so assigned.   Were you aware the account had been assigned – did you receive a Notice of Assignment? Howard Cohen solicitors says yes. I say no   Did you receive a Default Notice from the original creditor? Not to my knowledge   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? No   Why did you cease payments? Costly divorce and failed small business   What was the date of your last payment? Over 6 yeras ago I believe   Was there a dispute with the original creditor that remains unresolved? No   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? Spoke to them many years ago   Will get on with CCA and CPR tomorrow.   Is there a danger that if he attempts to call BC he could take it out of staute barred?  I will have to contact him Spain so need to advise him what not to say.
    • DX ,thanks for spacing post BankFodder,  sorry, point taken,   FS
    • defence due by 4pm Monday 2nd   has he...   .  get a CCA Request running to the claimant https://www.consumeractiongroup.co.uk/topic/332502-cca-request-consumer-credit-act-1974-updated-january-2015/  leave the £1PO blank and uncrossed . .  get a CPR 31:14 request running to the solicitors [if one is not listed send to the claimant] . . https://www.consumeractiongroup.co.uk/topic/332546-legal-cpr-3114-request-request-for-information-when-a-claim-has-been-issued/ . . type your name ONLY no need to sign anything . you DO NOT await the return of paperwork. you MUST file a defence regardless by day 33 from the date on the claimform [1 in the count]   get him to ring BC ask last payment date tomorrow.    
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Tax on State Pension

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Interested on views on payment of Tax on State Pension.In my view the State Pension should be FREE of any Taxation.

£12500 is tax free as we are all aware. My own state pension exceeds this amount so I have to pay tax, which is taken from

other Private Pensions. Any thoughts on State Pension regardless of the amount should be Tax Free.

I also find it annoying that the State Pension is regarded as a Benefit??

FS

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You might as well say that all pensions should be tax-free.

 

But I don't see why UK pensioners shouldn't pay tax on the same basis as everyone else. A lot of them are better off than younger generations who will be trying to save for their own retirement as well as paying for existing pensioners.

 

HB


Illegitimi non carborundum

 

 

 

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Honeybee13 thanks for your reply, interesting view on the subject.I believe some Benefits are taxable so you could argue that the State Pension as it is regarded as a benefit should attract taxes well

It was a discussion that a group of us old codgers, had last week and it got very heated as you can imagine.Three of us are ex military who served between the mid 50s to mid 70s and did not qualify for any form of Pension.Most of us get a reasonably high State Pension along with additional Private Pensions although not all of us.We all felt the State Pension should be tax free as we are all forced to contribute towards our State Pension, which is a very weak argument on subsequent reflection.

Didn't realise there was a petition to stop the word benefit for State Pension

Thanks for your view

FS

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I've moved you to the Bear Garden where other people may join the conversation.

 

 


Illegitimi non carborundum

 

 

 

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thanks very much

fs

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State pension is treated the same for tax as any other pension which you receive, in so far as it is taxable income.

 

The only difference is it's not subject to any PAYE or "at source" tax deduction using a tax code. Such tax codes operate against other ex-employer pensions and your state pension is usually deducted from your income tax pesonal allowance.

 

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slick Hi ,yes I have this problem I receive a fairly high state pension and have a private pension the PAYE Tax is taken from the Private Pension,

FS

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You can change that

I have my tax allowance on my company pension as I'm not quite at state pension age yet.

Its wasn't allocated by default - you need to contact the 'revenue' and run the gauntlet ...

Edited by tobyjugg2

I express my honestly held opinions - they are nothing more or less than that.

... Its just doing some due diligence that makes them seem unusual ...

 

Please don't assume what you see here is what I wrote - At least some of my posts HAVE been edited without my knowledge or agreement - or anything showing people they have been amended

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Until very recently I didn't mind that the state pension was taxed.  Then my aunt was assessed as needing 100% continuing care and funded by the NHS.  This means they take her state pension away - after including it in calculations for tax.  She does have another pension from nursing so she has taxable income.  She's paid for her own care for years and although it's great that she doesn't have to any more it still feels like a further kick in the teeth.

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@tobyjugg2 - Once you start to get a state pension, it will normally be deducted from your Personal Allowance via the PAYE code operated against other pensions.

 

@hightail - Paying for care is always a hard pill to swallow but State Pension has always been taxable. When NHS Continuing Care finally kicks in, it's often a bonus and a saving compared to self-funding.

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2 minutes ago, slick132 said:

Paying for care is always a hard pill to swallow but State Pension has always been taxable. When NHS Continuing Care finally kicks in, it's often a bonus and a saving compared to self-funding

Oh it’s a massive bonus - not pretending it isn’t.  It’s also long overdue so it’s an annoyance, an irritation that there’s still a clawback.  It wouldn’t wrankle so much if they just stopped paying it but that’s not how it works.  They pay it so it is counted as income for tax purposes and then take it back.

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I'm going to be the odd one out here as I don't mind my pension being taxed

 

I still have another 30 years to go (or there about) but I would find it odd if you had a large portion of the population not paying taxes

 

I'm lucky in that I have a very good workplace pension, a private pension and (hopefully) the state pension - it's meant going without the odd luxury here and there but I felt it was important to get a bit away for the eventual retirement (which talking to people my age makes me the odd one out) 

 

After all its taken out of my wages before tax so why not pay the tax later down the line 


Please note:

 

  • I am employed in the IT sector of a high street retail chain but am not posting in any official capacity,so therefore any comments,suggestions or opinions are expressly personal ones and should not be viewed as an endorsement or with agreement of any company.
  • i am not legal trained in any form.
  • I have many experiences in life and do often use these in my posts

if ive been helpful kick my scales, if ive been unhelpful kick the scales of the person more helpful :eek:

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The old codgers have met again and as always we put the world to rights.State Pension is still an issue.Although we are unsure of the exact figures we all agreed that the tax free allowance should be £15000 ,obviously good for pensioners but also will take 10s of thousands of part time workers out of paying tax as well, we think the Tax obtained for HMRC for people receiving or earning £15k or less is very small.

FS

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I also think its right that income is taxed the same for all

 

I question supertax rates (and no I dont pay higher rate tax anymore) although do accept A higher rate tax for people earning over a certain amount - but I think my issue with that is far more the massive and unwarrented (IMO) difference in earnings

 

I also question that people on benefits pay tax - thats clearly a mismatch - although I think thats that the tax lower threshold and basic wage  is clearly too low

 

 

Edited by tobyjugg2

I express my honestly held opinions - they are nothing more or less than that.

... Its just doing some due diligence that makes them seem unusual ...

 

Please don't assume what you see here is what I wrote - At least some of my posts HAVE been edited without my knowledge or agreement - or anything showing people they have been amended

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I agree about addressing the massive difference in earnings and also wealth, some of the comparisons are obscene. But with the current government, I won't be holiding my breath for life to become fairer.


Illegitimi non carborundum

 

 

 

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