Jump to content
  • Tweets

  • Posts

    • what rights of access do you have on your agreement with the landlord?   i suspect you shouldn't have to pay a thing.
    • then there is your proof to them why would you pay for BB twice!!   for my notes: GENERAL NOTES ON CHARGEBACK & Continuous Payment Authority & BACS   .....  We have been telling people to put a letter into their bank instructing them  not to make any payments under any circumstances to these companies  . http://whatconsumer.co.uk/visa-debit-chargeback/- it works! usually this should be done using the number on your debit card  .  banks MUST follow written intructions from their customers ! . CANCELLING YOUR DEBIT CARD DOES NOT STOP CPA'S  .  This fsa guide has now been updated:  . http://www.fsa.gov.uk/static/pubs/consumer_info/know_your_rights_guide.pdf http://www.fca.org.uk/news/continuous-payment-authorities-your-right-to-cancel https://www.fca.org.uk/consumers/unauthorised-payments-account  .  Here's the text:  .  Cancelling a regular  card payment:  .  When you give your credit or debit card details to a company and authorise them to take regular payments from your account,   such as for a gym membership or magazine subscription,  it is known as a ‘recurring transaction’ or ‘continuous payment authority’.  . These are often confused with direct debits, but do not offer the same guarantee if the amount or date of the payment changes.  .  In most cases, regular payments can be cancelled by telling the company taking the payments.   .  However,   you have the right to cancel them directly with your bank or card issuer by telling it that you have stopped permission for the payments.   Your bank or card issuer must then stop them – it has no right to insist that you agree this first with the company taking the payments.  .  Be aware, though, that you will still be responsible for paying any money that you owe. and that CANCELLING YOUR CARD WILL NOT STOP THE CPA  .  ..  .  New june 2013  .  Regulator orders Banks and mutuals to review complaints about not cancelling recurring payments from November 2009.  .  Consumers who have set up a regular payment from their account will now be able to successfully cancel that arrangement   by contacting their card provider, the Financial Conduct Authority said.  .  The FCA has been examining how easy it is for customers to cancel Continuous Payment Authorities (CPAs)   due either to payday lendersicon or for other regular payments such as subscriptions or gymicon memberships.  .  CPAs, which are also commonly called recurring transactions or recurring payments,   are relatively easy to set up but can be hard to cancel, causing problems for consumers trying to manage their finances,the FCA said.  .  Now, following the FCA review of how the largest high street banks and mutuals process requests to cancel CPAs, they have agreed that they will ensure that when   a customer asks for a recurring payment to end, that will be sufficient to cancel the arrangement. They have also confirmed that should a payment go through by   mistake following cancellation by a customer the customer will be refunded immediately.  .  In addition to securing this commitment, the largest banks and mutuals have agreed to review every individual complaint they have received about the non-  cancellation of a CPA and to pay redress where payments have continued to be made despite the customer cancelling the arrangement. This applies to all complaints   since November 2009 when the Financial Services Authority, the FCA’s predecessor, began regulating banking conduct.  .  Clive Adamson, the FCA’s director of supervision, said: “It’s important that consumers are confident that banks are meeting their everyday banking needs. Today   customers can be confident that when they ask for a Continuous Payment Authority to be cancelled – it will be cancelled - and that it can be done easily.   . “We recognise that historically this is an area where some customers have struggled but the banks and mutuals have responded positively to our work on this issue.   From now on we expect them to be getting this right. In addition, they have committed to review past complaints.” .  .  Also mentioned your displeasure that as whomever took your money had obviously attempted this many times   probably activating your banks own anti fraud software - nobody had the decency to inform my you this was going on.? .  .In the FSA's own words:  .  ..  What should I do about a payment from my account that I didn’t authorise?  .  Your bank must refund an unauthorised transaction.   Money can only be taken from your account if you have authorised the transaction   or if your bank can prove you were at fault –  . see below.  Contact your bank immediately if you notice an unauthorised payment from your account. .  If you are sure you did not authorise the payment, you can claim a refund.  .  However, your bank does not have to refund you if you do not tell it about the payment until 13 months  or more after the date it left your account.  .  Your bank must refund an unauthorised transaction  .  ------------------  .  Your bank may only refuse a refund for an unauthorised transaction if:  .  ? it can prove you authorised the transaction  – though your bank cannot simply say that use of your password,   card and PIN proves you authorised a payment; or .  ? it can prove you are at fault because you acted fraudulently,   or because you deliberately,   or with gross negligence, failed to protect the details of your card, PIN or password in a way that allowed the transaction  .  -----------------------  .  How quickly must my bank refund me for an unauthorised transaction?  .  The bank must make the refund immediately unless it has evidence that one of the above reasons applies.   Your bank may ask you to answer some questions and fill out a form confirming what has happened,   but it cannot delay your refund while it waits for you to return the form.  If the bank has evidence that one of the above reasons for refusing a refund applies,   it may investigate before making a refund   but must look into it as quickly as possible.   If your bank rejects your claim for a refund it should explain why.  If the transaction was on a credit card, the refund may not happen immediately.   But the card issuer cannot charge interest or ask for repayment of the amount unless it can prove you are liable to pay        
    • Only asking because I want to get my facts right before I approach the bank! Yes, BT is coming out of the same account.
    • not if they want to make the OP the named claimant no!! let them take the other party to court themselves!! the op can be a witness then..   one bitten...read this thread..      
  • Our picks

    • Curry’s cancelled my order but took the money anyway. Read more at https://www.consumeractiongroup.co.uk/topic/423055-curry%E2%80%99s-cancelled-my-order-but-took-the-money-anyway/
      • 11 replies
    • Father passed away - Ardent Credit Services (Vodafone) now claiming he owes money. Read more at https://www.consumeractiongroup.co.uk/topic/423040-father-passed-away-ardent-credit-services-vodafone-now-claiming-he-owes-money/
      • 9 replies
    • Currys Refuse Refund F/Freezer 5day old. Read more at https://www.consumeractiongroup.co.uk/topic/422656-currys-refuse-refund-ffreezer-5day-old/
      • 6 replies
    • Hi,  
      I was in Sainsbury’s today and did scan and shop.
      I arrived in after a busy day at work and immediately got distracted by the clothes.
       
      I put a few things in my trolley and then did a shop.
      I paid and was about to get into my car when the security guard stopped me and asked me to come back in.
       
      I did and they took me upstairs.
      I was mortified and said I forgot to scan the clothes and a conditioner, 5 items.
      I know its unacceptable but I was distracted and Initially hadn’t really planned to use scan and shop.
       
      No excuse.
      I offered to pay for the goods but the manager said it was too late.
      He looked at the CCTV and because I didn’t try to scan the items he was phoning the police.
       
      The cost of the items was about £40.
      I was crying at this point and told them I was a nurse, just coming from work and I could get struck off.
       
      They rang the police anyway and they came and issued me with a community resolution notice, which goes off my record in a year.
      I feel terrible. I have to declare this to my employer and NMC.
       
      They kept me in a room on my own with 4 staff and have banned me from all stores.
      The police said if I didn’t do the community order I would go to court and they would refer me to the PPS.
       
      I’m so stressed,
      can u appeal this or should I just accept it?
       
      Thanks for reading 
      • 16 replies
Annie2233

Tax credit compliance telephone interview

Recommended Posts

Hi 

 

I have received a letter from HMRC requesting me to attend a telephone interview. They are asking for childcare costs April 2019/2020


Wheb I have gone through my invoices and what I currently get allowance for this is about £3k under!

What will happen?

Will I be prosecuted?

 

Thanks  in advance for any help 

Share this post


Link to post
Share on other sites

Hello and welcome to CAG.

 

If I remember rightly, compliance isn't usually as scary as it sounds.

 

The best thing to do is to have your information assembled and to tell the truth. I don't think anyone who has posted here has been prosecuted, the tax credit people normally arrange for you to repay what's been overpaid by deductions from future benefits.

 

Have a read around our HMRC forum for cases similar to yours where people have come back and told us the outcome.

 

Best, HB


Illegitimi non carborundum

 

 

 

Share this post


Link to post
Share on other sites

Thanks for getting back to me HB and thank you for the welcome. I’ve had a read around and that’s why I posted. I’ve read the great advice given. Compliance does sound scary,  in fact the HMRC scares me! 

I know by looking at what I was awarded which is far more than what I pay for child care. I don’t think I worked out the child care element properly when my son started school 

 
 

Share this post


Link to post
Share on other sites

short answer is no you wont be prosecuted.

 

it's not that scary at all

just be honest, and all you'll have to eventually do is pay it back in small sums.

 

i've moved you too the HMRC forum

lots of like threads here recently

just have a read

but do it HERE on CAG

 

not all the exaggerated scare stories on other sites ...


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

Share this post


Link to post
Share on other sites

Thanks dx100uk.
 

I have read on the information leaflets they send out that I’ll be fined up to £3000 as it I’ll be seen as fraud.  Will that be an up front payment do you know? 

Share this post


Link to post
Share on other sites

Hi Annie.

 

Could you show us a pdf image of their leaflet please? All I can say is that nobody here has come back and said they're been fined for as long as I can remember. Everybody has had deductions made from future payments.

 

HB


Illegitimi non carborundum

 

 

 

Share this post


Link to post
Share on other sites

HB this is the tax credit penalties leaflet 

image.jpg

Share this post


Link to post
Share on other sites

Thank you.

 

So have you deliberately given wrong information?

 

HB


Illegitimi non carborundum

 

 

 

Share this post


Link to post
Share on other sites

I don’t know, I told them child care costs were £120 a week which they were. He started  school i rang them to advise. Told them I would still need child care as there would be school holidays. I wrongly assumed they would work out my allowance. And never reviewed it myself 

Share this post


Link to post
Share on other sites

thats the std letter they send to everyone.if it's for a £100 or £10'000+

 

you won't be prosecuted...

they only prosecute serious purposeful defrauders whereby the sum is in the many £10k's and serial criminal gangs that do it.

 

simply be honest at all times.

and you'll be fine

 

 

  • Thanks 1

please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

Share this post


Link to post
Share on other sites

From what you say, it doesn't sound negligent or deliberately misleading.

 

Everybody who comes here feels like you do so please believe us when we say we haven't seen anyone fined or prosecuted. Read a few more threads that were resolved. :)

 

HB

  • Thanks 1

Illegitimi non carborundum

 

 

 

Share this post


Link to post
Share on other sites

Oh my god thank you dx100uk! for a few minutes there my stomach hit the floor and I thought my days were numbered 

Thanks HB

Share this post


Link to post
Share on other sites

You will likely end up having slightly lower payments in future. In fact you can even Google the amount they are allowed to take off, it’s pretty small.

 

Nothing to worry about.

  • Thanks 1

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 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

Share this post


Link to post
Share on other sites
Posted (edited)

Thanks London1971

 

. I’m stressing a bit today.

As I didn’t check the review letter will they think I was trying to claim fraudulently?

And when I think about it it would also relate back to 2018 when my son started school

They have only mentioned since April 2019

 

I have since been on line (it’s so confusing)and tried to update my childcare allowance so it meets what I have paid out last year. 

 

Sorry for all the questions 

Edited by Annie2233
Missed a sentence out

Share this post


Link to post
Share on other sites

Wont ever be fraud

 

 

  • Thanks 1

please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

Share this post


Link to post
Share on other sites

You can look up the stats, on tax credit fraud. Around 300 prosecutions PA, around 80,000 investigations.Yours is not an investigation. Most of the prosecutions are people working for HMRC, playing the system. 
 

Yours is just routine. Won’t be any fines or anything like that.

 

i actually think you might want to order an SAR , so that you have clarity over what has happened I lover the last few years. If you have forgotten, it will put the facts in front of you.

  • Thanks 1

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 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

Share this post


Link to post
Share on other sites

*Update*

 

I phoned tax credits as I had to change the telephone number. I ended up getting the lady to help me. We went through the childcare for last year and this year. As I told her I really didn’t want to get any further payments that I wasn’t entitled to.  If I’m completely honest I’m still confused how they go about working out childcare costs. For my stress levels I’m not perusing claiming. Although from what I understand I’m not entitled to them anyway (during this tax year)even though he will be going  during school summer holiday 🤷‍♀️
 

It turns out I have obviously had a big over payment by my calculations just under £5k. They’re going to work this out and send me out a new renewals. Exactly as dx100uk and London1971 advised....my repayments which will be taken off my payments monthly. No fine was mentioned. 

 

The lady said I wouldn’t need to the compliance telephone interview as the questions they’d have asked me would have been what we had already discussed. I’m guessing she’ll cancel this her end.
 

To anyone who needs help these letters are scary. They get you overthinking. On the flip side If I had not got mine I would never had paid much attention to the childcare as I had presumed they’d worked it out. Lessons learn always review your tax credit renewals and never assume!

 

As you can see, the advice given on here so far with regards to my case has been 100% accurate. Listen to what they are telling you. They know what they’re talking about. Thank you dx100uk and London1971. 

 

 

 


 

Share this post


Link to post
Share on other sites

Great stuff !

  • Thanks 1

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 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

Share this post


Link to post
Share on other sites

Create an account or sign in to comment

You need to be a member in order to leave a comment

Create an account

Sign up for a new account in our community. It's easy!

Register a new account

Sign in

Already have an account? Sign in here.

Sign In Now

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...