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    • Thanks dx for your kind words. I plan to renew my season ticket and write a new begging letter as following, can I ask for any suggestion about it?   Dear Investigator/Prosecutor,   Thank you for your reply. I deeply regret my actions and the inconvenience they have caused.   I’m extremely remorseful for my crime. and regret it everyday. I often ask myself ‘’how can I do that thing just because I felt it is interesting. There are a lot of crimes in the world, but feeling it’s interesting is certainly not a reason to crime. I should not crime with any reason.’’ I think about these things every day, and I understand that I can’t blame anyone but myself.   I thanks to the staff who stopped me, as this is a valuable lesson in my life. I told myself that I should never ever repeat such a thing again, and never ever do anything which is possible to be in breach of any law. As a result, I carefully tap my oyster card every time before I enter the station now. I remind myself that I did a wrong thing before, and I should never let it happen again.   Although my monthly travel expenses do not warrant a season ticket, but I just renew my season ticket (please see the attachment). I understand that a crime cannot be truly compensated for, but purchasing a season ticket offers me a small measure of comfort, knowing that my actions caused a loss to the public interest.   I received an email which ask me to negotiate being class teacher in this summer (please see the attachment). I hope that I could teach the lovely students again, which may not be allowed with a criminal record. I would please ask that you would please provide me a single opportunity to settle all outstanding sums owed outside of court without the need for legal proceedings which would have a determinantal impact on my teaching career.   I sincerely apologise again for my crime. If you need anything further from me to help you please let me know.    Yours sincerely,
    • You did what??? You asked them to send you the documents that without them you had  a 100% ironclad win in Court. Why on earth would you do that? As it happens in this case, there is still enough mistakes in their PCNs and the NTH to have your case cancelled. Amd it may be that not sending those documents in the first place along with the ICO complaint and the letters from Alliance themselves which would confirm by the dates on the letters may be enough to cancel it anyway. I hope you have kept their letters as evidence? The chances are that Alliance will not actually take you to Court because of their errors but you never know.  You have made so much extra work for yourself in your WS if they decide to push their luck.though. Can you please post up their letter where they give the reason why I wasn't sent with the NTH.
    • I'm not sure that I fully agree with my site team colleague above.  My understanding is that there is nothing to stop you recording but it is strictly for your own personal use.   
    • I live in a student house, with 5 tenants, unihomes is our utilities provider, who we each have a direct debit set up with and have paid each bill every month. Two letters were sent in my name by BWLegal saying I had two outstanding payments due adding up to over £3500, I have tried to contact british gas (as that is apparently our houses provider) as well as Unihomes. Nothing has helped and BWlegal are pursuing legal action if these debts are not resolved by the 1st May. What do I do? I've called Bwlegal when i bring up that the debt isnt for me and for unihomes they hang up on me. so I am stressed and do not know what to do
    • cant do either if its not in a public place or on your land. dx  
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      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
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Refunding Tax on PPI claims


onestressedwoman

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Well I didn't think I would ever have to deal with anything to do with PPI ever again however

Sorry if this a duplicate listing from another member I'm not good at filtering!

My question

I am frantically looking for the paperwork from 2019 pay outs but can only find covering letters

- I did a bank statement search and have found a couple of amounts paid in but to no direct indication for which claim it was.

Now I'm panicking as I only have 3 weeks 😮 

I had some large pay outs e.g. Egg 4k but Canada Square Gardens no longer exists :( 

is there a way I can do a search which will give me all details of what I've been taxed ...

already phoned HMRC and they can't see details for 2019/2020 

Some hope and no hope?

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  • 2 weeks later...

Hi OSW,

Even though you know the net amount received in your bank account, it's not possible to calculate the relevant amounts of PPI, interest and tax deducted from the interest.

If you didn't owe any tax in the relevant year, you need the letter(s) from the PPI refunder setting out the individual amounts of PPI, Interest and tax deducted. If there's any chance you have it somewhere, search as best you can so you can claim the refund before the deadline (5th April 2024).

HMRC would not hold individual info relating to you for tax on PPI interest as they would for, say, PAYE earnings declared about you by an employer.

I see no alternative to searching for the letter(s) in your circumstances.

We could do with some help from you

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why not try ringing each original creditor and asking?

or sending them each an sar each (though thats upto 30days wait.)

you are within 6yrs they should still hold the data.

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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The problem here is the deadline relating to reclaiming tax paid on PPI interest is not the normal 6 years - instead it's 4 years.

I suspect ringing the creditor would be the only viable option here as an SAR would slip past the deadline.

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

 

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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Well 5th April is near 

 

I managed to find all my husbands in paperwork I still had - the ones I should have claimed back should have been done tax years 16-17 

Nevermind,  4 out of 6 isn't bad - holiday money we never knew we had

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