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    • Hi everyone, I am new to this forum. I am HOPING you can give me some advice that can help me. I am 68 years old and I currently own a leasehold property for which I have to pay (extortionate) monthly fees for Ground rent and Maintenance to a management company. During 2020, I managed to pay only for 6 months and then ended up in financial difficulty due to Covid. I was barely able to make ends meet. I stopped paying the maintenance fees around June 2020. My plan was to pay them a lump sum at the end of the year, when things go back to normal and my financial situation improved. Government advised things would go back to normal but unfortunately this didn't happen and I ended up in a lot of debt. I even had to sell my car to pay back money I had borrowed from family members. I live alone and this whole pandemic situation has really affected me mentally. To make matters worse, because I wasn't able to pay the lump sum as I originally had planned, the management company consulted a solicitor (Realty Law) to help them recover this outstanding debt. The initial debt was £596.00 + £36.15 for interest (no idea where this interest came from). The solicitors have now added on legal fees of £721.50 increasing the total debt to £1353.65. I contacted them via email and offered to pay £50 a month for the time being until I can improve my financial situation, at which point I would pay them more. Their response was the following: 'Our client has advised that they cannot honour a payment plan for that duration and therefore we have been instructed to continue our recovery process and request judgment if payment has not been made by 2pm on 29th October 2021. As such, we request that you please make full payment of £1353.65 as per the attached arrears schedule by 2pm on 29th October 2021. If payment or correspondence has not been received by then, then we shall be continuing with further recovery action and issuing a county court judgement (CCJ) which will incur additional fees. You are entitled to seek your own legal advice.'   The whole idea of court proceedings and CCJs and ADDITIONAL FEES has really elevated my anxiety levels to the point I am struggling to get to sleep at night. I borrowed money from family members and used some money that I had saved to pay off the initial £596.00, but its not possible for me to come up with the £700+ for the solicitor fees by 29th October. How is it even acceptable to charge someone £700+ in legal fees for a few letters?    Can someone please give me some advise on what on earth to do or who on earth I can speak to. I am desperate here.  Any advice would be greatly appreciated. Thank you in advance  
    • Please also take photos of the sign at the entrance as well as any signs inside the car park especially any that are different. Please take them from a distance where we can read them and if there is a payment machine, the sign on the machine or very close to it that explains their T&Cs for the machine.
    • Thanks for getting the signage posted up so quickly. The sign on entry should explain their T&Cs. As they don't it means that  what they have given you is  an offer to treat, not a contract. For there to be a contract they would have had to put their offer at the entrance.  You cannot put a notice saying that their T&Cs are inside the car park and expect motorists to be subject to those T&Cs when they are unaware what the terms are.. They have to be able to read them and understand them before they can accept them. My feeling is that the sign that includes the charge of £100 is too small to be acceptable On top of that the sign at the entrance is for Parking Control Solutions while the signs inside are from HX Management-a completely different animal. To strengthen your case for not paying them is the fact that their PCN is not compliant.  Under the Protection of Freedoms Act 2012 there are certain wordings in  the NTK  that by Law must comply with the Act. They don't  have to quote that part of the Act in their PCN but the relevant wording has to be included. PoFA Schedule 4 paragraph 9 [2]   the notice must  [f]   warn the keeper that if, after the period of 28 days beginning with the day after that on which the notice is given— (i)the amount of the unpaid parking charges specified under paragraph (d) has not been paid in full, and (ii)the creditor does not know both the name of the driver and a current address for service for the driver, the creditor will (if all the applicable conditions under this Schedule are met) have the right to recover from the keeper so much of that amount as remains unpaid;   Your  NTK does not include  [if all the applicable conditions  under the Schedule have been met ]thus rendering the NTK non compliant.  
    • I agree its about time but why has it taken for the National Crime Agency to flag this up for then to take action and not Ofcom.   Yet again a Government Agency that is meant to deal with this hasn't Ofcom but flagged by another Agency NCA.   If the telephone companies have this facility in place already to do this then why hasn't Ofcom been pushing them to stop all these scam calls and giving them massive fines for not doing so.    
    • Hi   Send this to them:   Dear Sir/Madam   Formal Complaint   Reference:            (insert their complaint reference number here)   Thank you for your response letter dated XX/XX/2021 which I received by email on XX/XX/2021 that contained your Original Email sent that showed due to your Maladministration that you had sent the Original Email containing my Personal Data to an incorrect email address due to spelling errors in the email address.   a)      Due to this Maladministration of this email being sent to the incorrect email address this email contained my Personal Data which is a Data Protection Breach therefore I require clarification from yourselves that this Breach has been reported to your Data Protection Officer and what action is being taken to ensure that my Personal Data contained in that Original Email has not been read by the recipient that you sent that email to with the incorrect email address.   As the email was sent by yourselves to my correct email address containing the original email showing the incorrect email address was due to spelling errors (maladministration) your IT Department will be able to obtain those emails sent.   If I do not get a satisfactory response that this has been dealt with by your Data Protection Officer, I will report this Data Breach to the Information Commissioners Office (ICO) https://ico.org.uk/make-a-complaint/   b)      Due to this Maladministration I failed to receive your Stage 1 complaint response within the allocated time limit for a Stage 1 response therefore this complaint should be dealt with as a Stage 2 Complaint and if you refuse to treat this as a Stage 2 Complaint, I require Full Clarification for your refusal.   I was placed in this Tenancy via the Rough Sleepers Initiative and I find your response about damaged/destroyed items that you would not be able to look into this as this happened 2 years ago but all tenants regardless of private or social housing are responsible for arranging their own contents insurance totally unacceptable as again, I was never notified nor informed of this requirement on taking up this tenancy.   I require clarification from yourself that when a New Tenant takes up a Tenancy Agreement with yourselves why are the not informed of this requirement of Contents Insurance which you should be duty bound to inform all tenants on taking up a tenancy agreement if such a requirement and it should also be noted within that tenants Housing File which you have full access to as dealing with complaint so I require clarification as well if this is noted in my Housing File.   You state multiple properties throughout the area were affected by sewage flood on the same day and the issue will have stemmed from the mains which is not your responsibility.   a)      You have failed to take into that the above statement from yourself blaming the Mains is without any actual evidence from yourselves to back up this claim therefore I require clarification as to what actual evidence you have and to be provided with copies.   b)      You also failed to take into account that in my initial complaint letter that on 12th July 2021 basement flats 1 & 2 were flooded by sewage exacerbated by blockage in the property’s drainage. The blockage has been confirmed by two contractors after the flooding including CCR who were subcontracted by Pyramid Plus that it was the properties drainage that was blocked. Also, while I was decanted from this property, I was contacted by CCR who confirmed that the drain was blocked but they could not access manhole as it was inaccessible as it is located in a utility cupboard underneath carpet, floorboards so how could this be the Main and not your responsibility when it is within the properties boundaries.   Your response about how complaints have been made by residents in relation to this issue is that your system does not allow you to find that information is completely unacceptable as your Housing Association should be able to produce these as part of ongoing repairs and maintenance/procurement processes to present these to your Board for there yearly Budget meeting if not why not.   Then you state you are under no obligation to share that information; therefore, your organisation is not being Open and Accountable to your Service Users and under which Article of the General Data Protection Act (GDPR) are you using for this refusal.   You have also failed to mention that I can make that above request under the Freedom of Information Act (FOI) and what is your process for such a request again not being Open and Accountable.   I await your response.
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HMRC demanding repayment of tax refund - Fast Tax Rebates Ltd again


Alvinsmalvin
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Hi Alvin,

 

Take time to carefully read the opinion offered above by @taxhelper as it may be your best way forward.

 

Please contact the police to complain you have been the victim of fraud at the hands of FTR and Alan O'Hara. You may need to be determined as the police may not want to get involved initially.

 

But once you do this and get a crime Ref No, you will be in a stronger position to deal with HMRC.

 

The same advice is being given on the other FTR case running here.

We could do with some help from you

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Hi Alvin,

 

Please engage with us by keeping up to date with your thread here as this could be your best chance of challenging HMRC's claim for full repayment to them.

 

Have you contacted the police and given them all the info you can ?

 

Thanks.

We could do with some help from you

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Hi, just to keep you updated. I have sent an SAR to HMRC and awaiting a response. 

 

I have reported this and got a Crime reference number. I am going to contact HMRC to appeal the decision.  They are expecting me to pay 12000 when I only received 4000. Am I doing the right thing?

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That sounds good to me, but see what people like Slick think.

 

How did it go with the police, did you see the local ones?

 

Edit: I've amended your thread title to show this is Fast Tax Rebates again, in case any other deceived clients are looking for information online.

 

HB

Illegitimi non carborundum

 

 

 

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  • honeybee13 changed the title to HMRC demanding repayment of tax refund - Fast Tax Rebates Ltd again

I have reported on the action fraud link above. They report it to the police too. Hope this is right. They have sent me a crime reference number which I am going to send to HMRC when I request an appeal.

 

I am going to get my colleagues to all do the same so hopefully this will create a bigger argument. I understand I should pay the £4000 as that's what I received. I dont think I should pay the other £8000.

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all good, though don't rush to pay HMRC anything yet, but be mindful that at some point, i conclude as you have, they'll want the £4k.

 

just for point of clarity throughout these recent threads, i would expect each of your mates as well as yourself? were asked to give a few mobile numbers of friends to these scammers at some point thats how you got dragged in?

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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On 28/06/2021 at 09:35, Alvinsmalvin said:

Hi somebody from work gave my number to then.  Somebody called Claire rang me on my mobile  I dont have anything bar the emails of me sending my pics.

sorry yes i see now from earlier..i was on a small screen.

 

 

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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Hi Alvin,

 

Please let us have info we need before you approach HMRC.

 

1. Have they sent you revised tax assessments, and for which years. 

 

2. What amount are they now demanding for each year.

 

A Crime Ref No is a start but you'll need to be far more pro-active about this. You need to contact the police again to find out exactly :-

 

3. What they are doing to recover your money (approx £8,000).

 

4. What they will do to trace the alleged fraudster(s).

 

5. When they will contact HMRC confirming the nature of the alleged.

 

Have you carefully read through post #26 above - if so, have you and all those affected, made individual complaints to Action Fraud. If you all contact the police and Action Fraud, you will improve your chance of not having to repay the full amount to HMRC.

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Hi. Yes they have sent revised tax assements. 

 

Year 17/18 £3539

Year 18/19 £5327

Year 19/20 £3443

 

I have reported it to action fraud. As have some of my colleagues. Still waiting to hear back from them..they have reported it to the police though. 

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Hi Alvin and thanks for the info.

 

The revised assessments for the 3 years will include info on what to do if you dispute the figures, including the date by which you should appeal. Make sure you meet this deadline and make it clear you're disputing all 3 years.

 

I suggest you put the following as reasons for disputing their figures :-

 

I dispute the amount demanded for the tax year 2017/18 (2018/19; 2019/20).

 

I have been the victim of fraud carried out by Fast Tax Rebates Ltd who made a tax repayment claim on my behalf and kept the majority of the tax repaid.

 

The matter has been reported to Action Fraud who will report the matter to the police. I am waiting to hear back from Action Fraud and the police but I have been given a Crime Ref No. if you require this.

 

In the meantime please postpone collection of tax demanded for the 3 years.

 

Do your best to put away money each week or month so, if you ARE required to repay some or all of the tax, you will be better prepared to offer at least something.

We could do with some help from you

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Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

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Thank you so much the exact amount I received from FTR was 4016 

 

Thank you so much I will do that tomorrow. The date on the letter is 1st August to appeal

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Sent email as advised.  They wanted to ring to discuss further but I confirmed I would like everything in writing.

 

Reply is below- 

 

Dear Alvinsmalvin,

 

The email you sent regarding the reason for the appeal is sufficient. 

 

I will send a letter to you next week and this will set out HMRC’s view of the matter.

 

The view of the matter has to be sent to you before an appeal or independent review can be considered.  If after receiving the view of the matter letter you then wish to continue with the appeal or an independent review I can ask for that to be done.  At that point I will arrange for the tax to be informally stood over.  Interest will still accrue and be applied if HMRC’s decision is upheld.  Please contact the time to pay helpline on 0300 200 3835 to discuss your payment options.  Any payments you make will reduce the interest.  If HMRC’s decision is reversed the payments you make will be repaid to you.

 

I understand you would prefer to deal with this via email. 

 

I am here to guide you through the process.

 

Kind regards

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Hi Alvin,

 

I've edited your post above - please hide personal data including name, address, etc.

 

Absolutely right - keep all comms in writing only !

 

Please confirm, did the person replying give a job title or position, or just their name. We don't need their name but tell us if they used a title or position, thanks.

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Her email signature says-

 

 

Her name | ISBC | Complex & Agents |

Indv and small Business Compliance, HM Revenue and Customs, BX9 1LE

 

Don't know if that helps?

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  • 2 weeks later...

Hi,

 

Just an update. I have received a letter from my case worker outlining her view of the matter.  

 

The EIS claims made are invalid and because I have not disputed their decision to remove them I am liable to pay all tax paid to FTR.

 

It says I made a contractual arrangement with the agent who provided my personal information and it is not for the HMRC to judge the reasonableness of my decision to engage with an agent.

 

They empathise with anyone who have been misled about tax affairs but the responsibly lies with me. 

 

Is there a way to post the letter or send it to somebody for advise on my next step?

 

The next options are ask for an independent review. 

Appeal to the tax tribunal or withdraw my appeal 

 

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I am trying to copy and paste but it won't let me

Hi,

Just an update. I have received a letter from my case worker outlining her view of the matter.  

The EIS claims made are invalid and because I have not disputed their decision to remove them I am liable to pay all tax paid to FTR.

It says I made a contractual arrangement with the agent who provided my personal information and it is not for the HMRC to judge the reasonableness of my decision to engage with an agent.

They empathise with anyone who have been misled about tax affairs but the responsibly lies with me. 

Is there a way to post the letter or send it to somebody for advise on my next step?

The next options are ask for an independent review. 

Appeal to the tax tribunal or withdraw my appeal

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Hi Alvin,

 

Best if you take a pic or scan the comms from HMRC and post here as a PDF but hide any personal info.

 

Then we can advise a response to HMRC's last comms.

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read our upload guide carefully

its all there

 

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... 

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Yes downloads are viewable.

 

The issue you will have with any further appeal to the tax tribunal, is that the grounds for appeal will be fairly narrow.

 

HMRC just see this as you have used an agent to handle tax returns and you should have taken more care in checking information.  So under the law, you are solely responsible for the repayment of the tax rebate amounts and it is up to you to take separate action against the agent.

 

If the law does not provide for alleged criminal acts by agents to be considered by HMRC when making decisions, then I am not sure the tax tribubal is going to be able to help.

 

 

 

 

 

We could do with some help from you.

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

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Hi Alvin,

 

Thanks for uploading the letter from HMRC.

 

We will take time to consider your options properly and come back with suggestions in the next few days.

 

 

We could do with some help from you

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EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

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Please confirm :-

 

1. Date you sent HMRC the SAR

 

2. Date of HMRC's letter rejecting the initial appeal.

 

We need to ensure you don't miss the date to tell HMRC your decision.

 

 

We could do with some help from you

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EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

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