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    • Northmonk forget what I said about your Notice to Hirer being the best I have seen . Though it  still may be  it is not good enough to comply with PoFA. Before looking at the NTH, we can look at the original Notice to Keeper. That is not compliant. First the period of parking as sated on their PCN is not actually the period of parking but a misstatement  since it is only the arrival and departure times of your vehicle. The parking period  is exactly that -ie the time youwere actually parked in a parking spot.  If you have to drive around to find a place to park the act of driving means that you couldn't have been parked at the same time. Likewise when you left the parking place and drove to the exit that could not be describes as parking either. So the first fail is  failing to specify the parking period. Section9 [2][a] In S9[2][f] the Act states  (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 PCN fails to mention the words in parentheses despite Section 9 [2]starting by saying "The notice must—..." As the Notice to Keeper fails to comply with the Act,  it follows that the Notice to Hirer cannot be pursued as they couldn't get the NTH compliant. Even if the the NTH was adjudged  as not  being affected by the non compliance of the NTK, the Notice to Hirer is itself not compliant with the Act. Once again the PCN fails to get the parking period correct. That alone is enough to have the claim dismissed as the PCN fails to comply with PoFA. Second S14 [5] states " (5)The notice to Hirer must— (a)inform the hirer that by virtue of this paragraph any unpaid parking charges (being parking charges specified in the notice to keeper) may be recovered from the hirer; ON their NTH , NPE claim "The driver of the above vehicle is liable ........" when the driver is not liable at all, only the hirer is liable. The driver and the hirer may be different people, but with a NTH, only the hirer is liable so to demand the driver pay the charge  fails to comply with PoFA and so the NPE claim must fail. I seem to remember that you have confirmed you received a copy of the original PCN sent to  the Hire company plus copies of the contract you have with the Hire company and the agreement that you are responsible for breaches of the Law etc. If not then you can add those fails too.
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    • I understand what you mean. But consider that part of the problem, and the frustration of those trying to help, is the way that questions are asked without context and without straight facts. A lot of effort was wasted discussing as a consumer issue before it was mentioned that the property was BTL. I don't think we have your history with this property. Were you the freehold owner prior to this split? Did you buy the leasehold of one half? From a family member? How was that funded (earlier loan?). How long ago was it split? Have either of the leasehold halves changed hands since? I'm wondering if the split and the leashold/freehold arrangements were set up in a way that was OK when everyone was everyone was connected. But a way that makes the leasehold virtually unsaleable to an unrelated party.
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HMRC investigating my tax credits despite no changes


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I've received a letter today, and its made my wife a bit nervous and also got me concerned as we are currently (like many others) struggling with bills at the moment and just managing to get by.

 

HMRC have sent me a letter looking at my tax credit award from 6th April 2022, believing they are paying me too much tax credit as their information shows that I receive Carers Allowance of £3514 for this past year, they believe I was given too much tax and will need to pay it back. It says if I agree I was paid that money, I should do nothing and they will send me a new reward letter with the credits amended to pay back any over payment. Well I do agree I was paid that money. But it says if I dont get in touch by December 6th, they will also amend it.

 

My issue here, is that our income has not changed (apart from increases in rates) for 5-6 years.  Me and my wife claim joint Employment Support Allowance, Child Tax Credits, and I receive Carer allowance for looking after her (so our ESA is slightly reduced for that reason). This, like I said, has been the case for 5-6 years now. I don't understand why they would now decide that they've paid too much tax credits due to my carers allowance, when all our income comes from the same source, is the same benefits it always was, and has never been an issue.

But naturally I'm now concerned, and my wife who suffers with anxiety anyway (not her disability, just a lovely extra) is also very worried that as our bills keep increasing, and we struggle more with the raising fuel bills and food costs, we're now going to be having a reduction in our income.

 

Is this a standard letter, and likely to be looked at and no changes made? or is it only sent out when they know there's an error, and we are likely to be facing a significant reduction to pay it back?

 

I guess I just want a little help to calm myself and know whats going on, as their offices are shut over the weekend, and I'm in Hospital on Monday for an all day appointment, and Tuesday I will be taking my wife to a physio appointment in the morning. It's really going to be Tuesday evening before I can call, and I'll be concerned for the next 3 days that I'm going to be going into the coldest parts of in more of a financial struggle

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It seems from what you say that HMRC have failed to adjust your tax credits to take into account the Carers Allowance, so therefore you have been overpaid.  But before they can start collecting for the overpayment, they needed to contact you about it first.

 

If you are struggling financially, it may be worth speaking to HMRC, so you can ask questions and also ask for the overpayment to be collected over a longer period.

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This is what I don't understand though, I was advised by the DWP to claim carers allowance (I've technically been a carer for 13 years but was unaware I could get the payment) I claimed it 5-6 years ago. Going through sites like "what am I entitled to" and other tax credit calculation sites I'm fully entitled to the amount I get (£4 more per week actually, for some reason)

 

but if it wasn't an issue any of the other years, why now, when all payments are the same? It just seems weird to me that getting everything via government feels like it should all be automated and be correct, and with no changes at any point, we should always be getting the same entitlement.

 

If it's wrong now, surely it's wrong for the previous years too, so we'd be even more indebted. But every website, the DWP, and Citizen Advice too have said we were entitled to it, the HMrC have agreed for 5 years and now it's suddenly wrong?

 

I'll definitely call them, but it will be late Tuesday. I hate calling them and DWP though, always feels like they're waiting to try and trip you up so they can take something away (ESA for my wife has been taken away, then appealed and won back 3 times in 10 years. Due to them writing her off to make their numbers)

 

So for now, as may be obvious from my rambling posts, I'll be having a million scenarios running through my head

 

Edited by dx100uk
unnecessary post quote removed
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The keyword to use is "time to pay" that is wording that they use for payment plan

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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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stay calm

they are not out to ruin you or prosecute.

 

contact them tell them the truth.

 

can't hurt you

 

dx

 

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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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Managed to call them today due to a change in my appointments

 

So it turns out they sent this same letter to everyone who gets carers allowance (their words, but I'm sure there must be some group who didn't). There is no over payment. It was simply sent to everyone, because some people have new claims and it effects their tax credits.

 

There must be thousands of people, like me, who would have thought this was going to be an issue due to the letter claiming you had been over paid and your reward will be adjusted.

 

Couldn't they just send out a letter, that lets you know it's being sent to all, and just asks you to check your tax credits as they will be doing a review? Would explain it better, and not leave it looking like you may be about to lose some income in a time when every penny counts for some people 

 

 

 

 

 

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