Jump to content



  • Tweets

  • Posts

    • Hi slick!    On 22 July they said they would refund me £74.07 Theres no DD in place as my membership was a once off payment in November last year.  Hi Dx,    I paid through PayPal last year as a one off payment. 
    • I'm trying to understand it all but I certainly tend to agree with my colleague @dx100uk that it looks as if you may have been taken for a ride. You found an advertisement for a bag on an online sales site. Instead of going through the established procedure of that site, which presumably allows them to recover a commission from the seller you started dealing directly with the seller who is an unknown person to you and of course that allowed the seller to avoid paying the commission. At whose suggestion was it that you went off-site? You then pay by PayPal but instead of logging it with PayPal as a payment for a purchased item, you tell PayPal that it was actually simply a gift or transaction between friends and family. This also allowed the seller to avoid paying a PayPal fee on the money. At whose suggestion was it that you paid in this way?       I don't say that you definitely have been scammed, but it doesn't look very good. This is how it might have happened: after you agreed to take the transaction off-site, so you lost the protection of the established system – and the seller avoided the commission and also avoided the sales site knowing that they had sold their item, you then agreed to pay the seller some money – but not for a purchase – simply as a gift. This has two consequences. Firstly, the seller avoids a PayPal fee and secondly, because PayPal has been misled as to the purpose of the payment, you lose the protection of PayPal if it turns out that you've been scammed or there is some other problem with the transaction. The seller then apparently sent you the parcel and they sent you pictures of a package with your address on it. Separately they sent you a Hermes tracking number – but there is no evidence that the package was actually posted to your address. The seller might simply have taken a picture with your address and sent that to you by way of reassurance – and then changed the label and posted the parcel to themselves but sent you a tracking number which is inaccessible to you and in respect of which you will be prevented from getting any information. All you've seen is a parcel with your address on it. All you've been given is a tracking number which satisfied you for a while until the parcel did not arrive and then when you started to make enquiries, you found that you were unable to access any details referring to the tracking number. Of course the tracking number says that the item was delivered – because maybe it was – but in that case it was delivered to the address on the parcel which might have been the seller's own address – or the address of a friend. I don't want to say that this is definitely how it happened, but it is a plausible scenario. Of course Hermes is an awful lot of parcels – but on the other hand I expect that most of the parcel is that going to Hermes hands are delivered successfully. We only get the bad stories on this forum. I can imagine that Hermes rate of successful deliveries is better than 97% because otherwise people wouldn't simply just hate them, they would go out of business.   We can help you bring a complaint against Hermes if you want. However, on the basis of what you say, the odds are stacked against you but it would be useful to try and find out the address which was associated with tracking number. As far as your apparent willingness to travel hundred and 50 miles to ask for your money back, don't bother. If you did actually go there, are you sure that the seller actually lives at the address that you have been given? What evidence do you have that? Of course if you found that the seller didn't reside at that address then it is slamdunk that you have been scammed. But then what are you going to do? You can try to inform the police but of course it won't get you anywhere. You can inform the sales website – but they will say that you brought it on yourself because you agreed to go off-site. You can inform PayPal – that they will say that because you sent the money which was calculated to avoid their fees, you have lost the protection. If you travelled the 150 miles and found that the seller did reside at that address, do you really think that they are going to hand your money over to you? If they are acting dishonestly then they will simply say that it is nothing to do with them, that they addressed it all correctly and they don't understand what has happened and that this is simply Hermes up to their old tricks. What are you going to do? You simply risk getting into a very nasty argument and depending on how bad it went, you might even find that the police are called and I'm afraid that they would be looking at you – not the seller. Maybe you can answer the questions that I've post above as to who it is who initiated the various ways of doing business.    
    • The legal campaign's going well then. The recount in Wisconsin gave Trump more votes but Biden even more, at a cost of $3m. And a donor to the organisation bringing the failed cases is suing to get his $2.5m back.   https://www.theguardian.com/us-news/2020/nov/28/joe-biden-gains-votes-in-wisconsin-county-after-trump-ordered-recount
    • Yes Unicorn feed tax again, can't sue the keeper for more than the Original Charge, so any additional Debt Collection fees aka the £60 they add is abuse,iof process as per HHJ Harvey at Lewes county Court What lookedinfroinfo is indicating is that the main signage on entry and dotted around is merely an " Invitation to Treat", not the offer, the Offer and Acceptance occurs at the payment machine, so wording there is key.
  • Our picks

Tax credit fraud- compliance interview


Recommended Posts

 I’m in a right state. 

 
I live with my partner and 3 kids.
The older two are from my previous abusive marriage. 
 
I have claimed as a single parent.
My defence is that I left an abusive marriage in tens of thousands of debt and have borderline personality disorder and can not be safe with money.
The tax credits I was getting was for my debt and my older two children.
I have a spending addicted and I can’t be trusted to pay bills etc so absolutely everything is in my partners name.
The house is his. 
 
He has no idea.
He gives me an “allowance” once a month and he thinks I live on that.
He will leave me if he finds out,
Ive already had bailiffs to the house.
My mental health has been awful the last few years and my psychiatrist is fully aware of my spending problem. 
 
I stopped claiming tax credits last month as I started a part time job.
I earn £300 a month. 
 
I had a letter today saying that they have linked my partner to his house.
They want a telephone interview next week but also all bills etc that are in my name.
Nothing is. Literally nothing apart from my bank account. 
 
I’m so scared.
The letter has asked for details from March 2019 - July 2019.
Why only these dates? !!!!!!
 
what do I say. If I admit everything surely they will look further back?
I honestly feel like this is the cherry on the top and I’m not sure can survive much longer.
I have so many debt collectors after me.
Partner refuses to help as it’s technically ex’s debts. 
 
I’m so nervous about the interview.
I don’t want to go to prison.
I don’t even want to go court.
I’m so scared. 
Link to post
Share on other sites
  • Replies 91
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Popular Posts

I've replied now but please bear in mind that we're all volunteers here so people get here when they can. Also, weekends are quieter here but we do what we can.   HB

Sorry, thank you!!  

A solicitor would be the last person you want for this. It's not an interview under caution, the worst that will happen is that they will take around 8% of your future award, going forward. That's it!

Hello and welcome to CAG.

 

I know this all sounds scary but we haven't had anyone from here go to prison. Everyone has reached an agreement with HMRC to have what they owe deducted from future credits.

 

There was a lady earlier this week in a very similar position to you and she resolved her problem. Have a read of this thread please.

 

 

Best, HB

 

Illegitimi non carborundum

 

 

 

Link to post
Share on other sites
1 minute ago, Waffledog20 said:

Anyone?

 

I've replied now but please bear in mind that we're all volunteers here so people get here when they can. Also, weekends are quieter here but we do what we can.

 

HB

  • Like 1

Illegitimi non carborundum

 

 

 

Link to post
Share on other sites

They don't send people to prison due to forgetting to report change in circumstances.

 

You just need to provide the information they require and they will recalculate tax credit award, sending you details of how much is owed .  Your claim may be closed and if so you can claim Universal Credit with your partner.

 

Use a benefits calculator to see how much Universal Credit you and your partner could be due.

https://www.gov.uk/benefits-calculators

 

 

 

 

 

 

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

Link to post
Share on other sites

Is that when records might show you had become a couple living at same address ?

 

If so, perhaps they will look at the monthly average earnings for the period that they asked and use the average to recalculate awards up to the current period.

 

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

Link to post
Share on other sites

also let us help you with your 'debts' please.

 

please start a new thread about them in our debt self help forum. and list them.

it might well be some can be WIPED because of your situation.

 

dx

 

 

 

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

do need someone to help with regards to money. I can’t be trusted with it. My partner trusted me with his credit card for emergencies and I maxed it out behind his back and he now has to pay it back. The allowance he gives me he thinks I only have and that I live on that. He has no idea about my debts as I hide the letters, eVen when a bailiff turned up and his dad had to pay it. 

I’m so scared. I actual can’t cope, I’m such a drain on my family. 
 
Do I ring them on Monday and just admit everything? Or do I wait for the interview? do I just be honest and say this is the date I moved in, all bills etc are in his name. Then what happens? They send me court? 
Link to post
Share on other sites

Just take part in the interview and answer questions, providing the information requested. No point in phoning, as they will tell you to wait for the interview.

 

Might be worth speaking to your GP, if you feel that your spending issues may be down to long term psychological aspects which may be resolved through talking therapies.

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

Link to post
Share on other sites

Thank you, 

 

Iv just worked out for the first 2 years partner was earning £31k Before tax. Would we hAve been entitled to something? If so will it be less owed than I originally thought? Iv worked it

out that every penny Iv had will be paid back, so roughly £25k. 

I can’t provide the requested infomation  like bills/council tax bill etc as it’s all in his name. 

Link to post
Share on other sites

Yes you can provide the information. Council Tax bill is in name of Mr xxxxxx

 

It is simply the case of answering questions and providing the information as it is.

 

It is anxiety that is making your brain think, I can't provide this or that. Just wait to the interview and you won't have any problem. 

 

Following the interview, Tax Credits staff will work out overpayment using the information provided and issue a letter. 

 

 

 

 

 

 

 

 

 

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

Link to post
Share on other sites

That would be up to them.  You have to just provide the information requested and Tax Credits will follow their normal processes.

 

Even if they did eventually calculate an amount going back to 2016, you can only pay an amount that is affordable each month.

 

 

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

Link to post
Share on other sites

Others who are more aware of Tax Credit compliance interviews, where someone has failed to report a change of circumstances, advise people to contact Tax Credits, before the interview to make a late report of the change in circumstances.  

 

Apparently this  is seen in a favourable light  as it is volunteering the information, rather than waiting for the interview, where they are asking for it.

 

Up to you really. 

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

Link to post
Share on other sites

Good for you. :)  The last lady whose thread I linked spoke to them last Monday from memory and felt a lot better afterwards. I hope it's the same for you, well done for being brave.

 

Please come back and tell us how it went.

 

HB

Illegitimi non carborundum

 

 

 

Link to post
Share on other sites

So I’m going to ring tomorrow and just say that I want to confess to not reporting a change of circumstances? 

 
Can someone tell me how you would start the conversation. My anxiety is so high. 
Link to post
Share on other sites

they will ask you, just be truthful.

 

simply phone up and state you are ringing because of the letter you have just received.

 

dx

 

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

I just want to sort it out,

Why won’t they let me

speak to someone? I’m now even more worried that im going to be prosecuted 

 

They won’t speak to me and told me to wait for my interview 😩😩

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...