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    • Just wondering if someone can offer some advice. Before I knew about this forum I ended up with a CCJ. I agreed a payment of X per month with the Court and it was agreed and that payment has been kept up to date, except for a period last year from Sep to Dec whereby I was held on suspicion of a crime in Norway (later acquitted I might add) but for 3 months and as such had no way of maintaining the payments each month with no access to be able to make the transfers to these parasitic wasps. When I returned, I paid the 3 months I was behind and have since continued to maintain the payments that was agreed by the Court originally. I have never received any notification or demand from the Court regarding the period I was unable to pay and haven't to date. However, I received this below by email today - not sure how they got my email but perhaps from this original debt as the Original creditor may have passed it on to them. Any thoughts on this please? "The County Court Judgment (CCJ) granted on 11-2018 remains unpaid therefore our client is considering enforcement action. Despite sending you previous reminders, you have failed to engage with us and set up an affordable payment plan for £2444.21 which means our client could instruct us to take further action in the next 14 days. If our client instructs us to apply for a Warrant of Control, a County Court Bailiff could visit you at home to discuss payment of the outstanding balance. Alternatively, our client may instruct us to enforce by way of a Charging Order which will result in the Court securing the outstanding debt against any beneficial interest you hold in a property. This means our client will recover the debt when you come to sell or remortgage your property. Our client may also request an Attachment of Earnings which will result in the Court ordering your employer to deduct payment directly from your wages. In order to avoid this, you must either make a one-off payment of £2444.21 or set up a payment plan with us within 14 days."  
    • Actually you making me go back and double check the Arnold Clark thing rang a bell and the trust took all the payments off my wages. 2 months £111 & 2 months at £115. Im fairly sure that means its paid off?
    • nothing to be scared about at sll... what are you scared over ... lets get that out the window then p'haps we can be given some logical answers as this is all mad. who is the owner on the cars v5c document?..have you got a copy of it? when someone get's a pcn, it will go to the registered keeper of the car, (as whomever issued the pcn will log a reg number, then ask the dvla whom is said person on their database for a fee)  if the RK are a lease company, the lease company should inform the pcn sender of the details of the named HIRER.  the pcn issuers then must reset everything and write a new pcn to the stated hirer including a copy of the relevant hire agreement. if the hirer was not the driver, then they should write back to the pcn issuer stating who the driver at the time of the PCN was. the PCN issuer should then reset everything again and sent a new pcn to the named driver. thats how things work by LAW. if someone in one of the stages has messed up then any pcn is void. lets just assume that the nhs trust is the hirer, the nhs trust just cant payt any pcn they get whereby they know the driver was you and then dock it from your wages!! thats THEFT!! any PCN is solely a matter between whomever was the DRIVER and the PCN issuer, NOTHING to do with any hire company who should be transparent. nothing to do with your employer the hiree, they should be transparent.  now if the pcn issurer has written to the DRIVER and they fail to pay a PCN , eventually the registered keeper ONLY could be held responsible. but that doesnt fit any of your PCN's esp this one!! neither should pay anything to anyone not doc your wages nor add admin fees. again something is not right here. dx   nothing to do with    
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    • yes send a letter explaining your business losses as a result of the NFU error and say that you want to avoid taking this to Court, therefore hope that a settlement can be negotiated.  Send as much information as you can to evidence the loss and how these have been calculated.
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Childcare compliance interview


anxietymax

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Hi really need advice right now I received a letter for a compliance interview for childcare April 23 to Feb 24. 

I didn't realise I was still receiving this element on my child tax credits as I thought I had informed them last March but obviously haven't and my payments changed last April automatically presumed it was that. 

There is defo going to be a big overpayment maybe 5k plus

I'm petrified I'm going to lose my son lose my job and go to prison.

I have tried ringing but couldn't get any joy from anyone

. I'm literally having panic attacks.

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Hello, welcome to CAG.

Please have a read of other threads here about compliance interviews and overpayments of child tax credits. You'll see that no one has gone anywhere near prison or lost their children.

Compliance for tax credits isn't as scary as it sounds, as loads of people here have found out. They will expect you to repay what you've been overpaid, but in affordable amounts.

I'm not sure if HMRC staff are in a position to advise you if a meeting - a phone call? - is already booked, maybe someone else does. When is the call?

Best, HB

 

Illegitimi non carborundum

 

 

 

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27th a week on Tuesday

I have not slept for 4 days

I'm having panic attacks day and night.

I'm scared of being emotional in the interview.

I'm going to be honest and obviously tell them that I thought it had ended but its getting the words out 

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That's absolutely the right thing to do, be honest. I wouldn't worry about being emotional, you're being you and showing that you're sincere.

Please read some other threads here where people have found their phone call with compliance went far better than they expected.

HB

 

Illegitimi non carborundum

 

 

 

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I have done nothing but read all the threads for the last 4 days but I cannot get rid of the feeling that this is going to end awfully as I'm going to look like I have knowingly frauded them 

 

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Please try not to worry.

I had a problem a few years ago where I was working and my husband was on the sick.  

I hadn’t realised that after his SSP ran out I wasn’t eligible to claim childcare.  

There was over a year of being overpaid.  

They worked it out for me, wrote to me and took payments from my future tax credits awards.

 It took a few years but it’s all been paid back.  

No threats of prosecution or prison.

 They just wanted the overpayment back.

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But then that's another worry

if I do get the option of repayment when this universal credit comes into affect I don't think I'm entitled to anything

what happens then? 

 

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they can't get blood out of a stone and they can see that already

£5k is really no big deal, and you have not done it on purpose and are not part of a benefits gang scamming £m's from the public purse.

there no possibility ever of this resulting in prison nor anything worse than them asking you to pay it back over time. some i know have been allowed +5yrs.

please its nowt to get so down about, seriously.

easily dealt with

simply be honest.

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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I keep trying to tell myself this but on the phone are they going to believe in what I'm saying

do I just come straight out and tell the truth

I'm going to be an emotional wreck 

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they simply ask you a series std questions, they are not authoritarian nor bossy nor out to catch you out either . 10'000 of people have accidently done what you have, they deal with these everyday.

just be honest and dont act cagey.

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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Been there, done that, worst that happens is you need to pay back a small amount monthly.

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

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Night before d-day

my interview is at 2pm

I'm going to try and call in the morning see if I can get it sorted earlier.

Any last minute advice would be great as I'm feeling like I'm having a nervous breakdown here 

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I don't have any further advice apart from re-reading your thread to see what people have already said.

It's worth a try with ringing but please don't be surprised if you have to wait for your appointment. It could be that the people doing the interviews have full diaries.

HB

Illegitimi non carborundum

 

 

 

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Hi so sorry I am only just replying. Had my phonecall literally 10 minutes spoke to a really nice guy. Was honest with him and reassured me I have nothing to worry about as you guys did thankyou so much. Now it's just a waiting game to see how much my overpayment is. Thankyou so much again even if I didn't listen properly to half of the comments 

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Well done. I hope that's a weight off your mind and that the payments are affordable for you.

As you asked yourself earlier in your thread, could you tell us the sort of questions the man asked you and what information they asked for from you please? This will help future caggers with the same problem as you.

HB

Illegitimi non carborundum

 

 

 

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I was honest from the start, then he just asked when the childcare ended.

he filled some details in and didn't really ask anything else, just told me I would receive info on my overpayment.

A lot less questioned than I was gearing up for 

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Are you still claiming Tax Credits / Universal Credit? They will likely take a small monthly amount off , if you are

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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

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  • 1 month later...

how'd it go?

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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