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    • Nope       .. unless he knows something we don't yet know - but maybe has been hinted at Particularly with his mention of vaccinators sitting around doing nowt in the near future ..
    • ' what i will guess because BCD(L) is rather new to the game, they've not yet found out they can all but ignore the earlier date.   this has ofcourse give you a huge advantage.'     Thankyou.   Lol, lets hope thats the case. Unless they are much smarter than all of us and called a bluff.   In their email they say please find attached our bundle, a cop which has been filed at the court.   The bluff could be that they haven't filed it at the court by the earlier date, but they hope hope that I submit mine by the first deadline, which I have now done. Gives them a chance to look at my WS, make any changes to theirs and then actually use the later date to file their papers at the court, having had the benefit of looking at my WS     Who knows, these solicitors maybe me smarter poker players than we thinkk lol
    • well lets hope this time you see it through..not get help and disappear for 6mts......   you need to gather information not simply keep waving ones arms and going wah..wah i've got this problem its wrong  its not mine its unfair i want it gone now   you have an sar running to whom we believe is the original creditor vodafone. you have an sar running to lowells whose name is shown as the owner.   from those we should be able to find the truth here and get a plan of action going forward.   however to date i'm not convinced a telecom default is the only reason why you are getting refused whatever it was credit wise that restarted your quest.   most if not all lenders today ignore a telecom default if thats all thats bad.. my gut tells me there are other reasons you have for being refused by whom on what type of credit and if they even gave a reason why..pointing directly to it being because of this default..   ..if this is the only thing on your credit file     
    • Agree with dx view on this.   If you find an independent whole of the market mortgage advisor, they may deal with smaller lenders (not sub prime) who may consider you, but only if you took certain actions with the debts.    I think your next step is to have a long telephone conversation with an independent Mortgage Brokers and they should given you an honest view on options.   Perhaps there are property purchase options such as shared ownership, where you may be in a better position. 
    • yes you should have addressed this 3yrs ago... it's not your home and to all intent and purpose for the last three years have been all but renting it by paying everything...poss for a quiet life which is understandable.   not my bag so i'll butt out now unless i can see my input helps.    
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
      • 31 replies
    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies

Tax credit fraud- compliance interview


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Still not heard anything, the woman I spoke to with the interview was lovely.

She just said it’s more than likely il just have to pay the amount back.

Fingers crossed that’s all it is. 

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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!

This is the letter 

 

“Provisional tax credits statement for 06/04/2019 to 06/04/2019

it says for that period child tax - £24.29

then it says 

thank you for telling us about your recent change of circumstances. This change means that tax credits were not due after 06/04/2019 and we have to review the amount of tax credits paid to you for the period 06/04/2019 to 06/04/2019.

please complete and sign and return the tax credits declaration form we sent you by 32/07/2020.
 

 
Amount to be paid 
£24.29
payments already made to you  £8001.48
Amount of overpayment from earlier years £888.66

Amount due from you 
£8865.85 

Upto April 2019

from this award period £8865.85
of this £888.66 already been collected 
£3330.54 already been collected back from later awards

£8865.85 still to be confirmed as overpaid.


it doesn’t make sense to me.
What are the dates about and why are they both the same?
I’m guessing I will receive more letters about the other dates? 
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scan the letter to PDF

read upload carefully 

we need to see all of it please

 

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... 

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can you not follow what i posted please

one multipage PDF only 

don't use file hosting sites they are full of virus.

 

and please stop hitting QUOTE

just type

it makes a thread twice as large as what it need to do 

just type

 

 

 

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... 

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well you two are simply the blind leading the blind and each stressing each other out unnecessarily ..:bounce:

you can use photos in a PDF use the sites listed pdf merge and pdf shrink 

if you cant do i'll do it for you later.

 

they are not interested in other years else they'd have asked already

10'000 get exactly the same letters everyday

all you'll be asked to do is pay a reasonable small sum from benefits going forward thats all.

 

there are numeous threads here already of people that stressed for nothing with proof of outcome

 

one even said they'd spent more time unnecessarily stressing about everything that they knew from day one it was wrong but stressed about doing nothing rather than doing something then...:crazy:

 

why not just get on with life and not stress ...stress is no excuse i said.. they laughed and said yea that's me..i spend all day on facebook looking for things to stress out about even if i don't have any of my own issues to do it over......:noidea:

 

 

 

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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... 

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