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    • Update*** Hermes has now requested for additional 14 days to respond to my claim. I am happy to wait as I am going to see this to the end until I get the full amount. 
    • Sorry.. Im not sure if I totally understand what you meant that there is another assessment outstanding? If you mean the fixing of the ceiling at the extension (not the paint), T & D only does painting so he could not provide me with the quote for fixing the ceiling at the extension. I have one painter who can also fix the ceiling at the extension for me, and he will mention about the ceiling at the extension in his quote. He will specify how much the painting for the walls and ceilings would be, and how much the fixing of the ceiling at the extension would be. I have also booked a plasterer who has promised to come tomorrow afternoon to access the ceiling and give me a quote for fixing it. Attached is the updated quote from T & D attached in the report & quote email. Quote from T & D.pdf
    • Hi Darrius. Answering your question, I hope. That's because as the law stands it should   The VAT act says that if the business is registered has a turnover above the prescribed limit and  that income for busines, they must pay VAT on their income, offset by any payment of output TAX by the person he provides the service for. This applies to the judement debtor as you say. I am sure that this meant money taken initially by the the HCEO when they were originally approached by the creditor or items acquired by the Hceo in the employ of the court. However when the under sherif  who is not an employee of the court but a self employed busines  man takes over the enforcement for "valuable consideration"   The fees become his income and he is responsible for any tax calculated on that income. Nothing new here. We all pay VAT and we all cannot claim it back, that is unless we are a registered business. The only way to get around this is to Zero rate enforcement fees   This was explained as being the case before 2014, I see nothing since, that alters the situation. Other than changing VAT requirements in the Act., as in Magistrates court and Council.tax enforcement   I have tried many times to get authoritave information from sources who are usually very helpful, why is that? Answer on a post card please.   Peter                        
    • Thank you for the reply, I will follow your advice! I have seen one or two threads of the car park company when I was googling around, on PPP.com. (Cant put the real name lol) I will get some pictures of signs and a google map layout of the car park tomorrow. Thanks again.
    • "To Eradicate this issue on the Ceilings &  walls, T&D Decorators would recommend a Durable Acrylic Matt on the walls and a Vinyl Matt paint based on what Mr X has stated he requires,(  IE a wipeable product ), Standard preparation required  The  redecoration of 4 nr bedrooms, hall stairs and landing, bathroom, toilets, living room and conservatory, kitchen and dining area in two coats of a product agreed with Mr X will be £3,900.00 plus V A T, Protect all new glossed woodwork with masking tape, prepare all walls to receive 2 full coats of a product agreed with the Client, protection to all New carpet & Vinyl included with this cost quotation  T&D Decorators Limited have submitted a full quotation as instructed by Mr X" ^This is in the pdf file I uploaded, would this be suffice?
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Credit Report recieved


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Just signed up for my credit report with Experian and to be honest not sure what, if any action should be taken now. From what I can see there are 2 credit cards that show as having 5 late payments made on each of the accounts, these are with Halifax and Morgan Stanley.

 

I took my first credit card out 6 years ago with Lloyds and since then I have swapped and transferred my balance from one card to another, sometimes closing the accounts after I have transferred out and sometimes leaving it open with a balance of nil.

 

However I am not sure if all the information with Experian is correct, one of the reasons why is that I still hold my Lloyds credit card although I have used it once or twice from transferring the original balance it doesn't appear to show on the report, also it only appears to show late/missed payments as far back as 36months.

 

Can anyone shed any light on this and whether it's worth chasing up on the 5 late payments as you can guarantee they will have charged me for them probably only £20-£25 a time though.

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I have just received credit reports from Experian and Equifax. I believe these are the two main agencies. I suggest that you obtain a copy of your report from the other agency as well, as information may have been supplied to both.

 

If you read the template which is used for your initial claim, there is a section which asks for any record to removed from the file as part of your requirements.

 

I am currently in dispute with Citi Cards and the amount of the charges are greater than the amount I still owe them. Therefore I have argued that had I not been charged, the account would have been cleared a long time ago.

 

Don't let the fatherless chillen get ya!

Don't let the fatherless chillen get ya! :grin:

 

Barclays - settled in full £4799.38 ;)

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Recieved a call today from Abbey CC some call centre in India asking me why I paid my last bill £4 short, told them I hadn't got the statement to hand and assumed I'd over-estimated it when making the payment obviously not. Pd the £4 over the phone after asking them to do a security check and they told me I'd incurred £25 late payment fee. Told them in breach of OFT and being charged £25 was ridiculous over £4 short, they gave me another number to ring to discuss it.

 

Will ring them tommorrow to see if they can justify it.

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Any way of recording the phone call?

..

.

 

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

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I feel that all correspondence with any bank should be in writing so that you will have a record of it.

I would not contact them at all until you receive your statements and send them the initial claim leter. Make sure you include the latest charge.

 

 

Don't let the fatherless chillen get ya!

Don't let the fatherless chillen get ya! :grin:

 

Barclays - settled in full £4799.38 ;)

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No, unfortunately I don't have the facility to record calls. Haven't rang them yet still wondering if I may be better off requesting dpa request from them, just not sure if it'll be worth it, suppose I won't know until I have the information.

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Unless you know how much they have taken in charges from your account, how are you going to claim it back? Send them a DPA request as advised in the templates section. The amount owed may shock you. If you don't find out, you'll never know.

 

 

Don't let the fatherless chillen get ya!

Don't let the fatherless chillen get ya! :grin:

 

Barclays - settled in full £4799.38 ;)

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  • 12 years later...

This topic was closed on 10 March 2019.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there.

If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

- Consumer Action Group

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