That's interesting

I've received another letter from HMRC repeating what they stated in the previous one. I've replied stating that I dont consider one sheet of paper with 6 recorded phone calls on it proof or evidence that I owe this money so just knocked it back in their court. I have said that I'll be making a formal complaint so as to start the process of getting an adjudicator involved if needed. I'll update this thread as and when so that it might help someone else dealing with this people.

Hi dx100uk Thank you for replying. That's my understanding but they seem to ignore any requests for proof. Can you suggest what I might be able to do for the next step?

Hi I'm hoping someone can give me some advice re. the above. I received a letter a few weeks ago saying that I had been overpaid a total of just over £4000 in tax credits. I did reply asking for proof of these overpayments and a SAR. All I've received so far is a reply to my letter just stating the amounts owed and to ring them to organise repayment, and from the SAR I received a single page letter with 6 phone calls that were made back then. My questions are why have they left it so long to pursue this? And do they not have to provide any proof at all as any records I had have long gone? I would be astounded if thats the case because they could go after any tom,dick or harry for whatever they want! Many thanks in advance

Hi I hope this is the right place for this post. I dont know a great deal about eviction so I'm seeking some expert advice if possible My daughter has received a 6 months section 21 notice which, as she has just given birth to my granddaughter, has caused her stress hence me trying to help her out. Today the landlord has also asked for one months notice if we do manage to find her another place. Is this correct? She currently has a fixed term notice that ends in february and I assume she'll then go on a rolling contract so I'm assuming that it is TIA

I am hoping I can get some help or advice from someone here My daughter has just renewed her tenancy(December 2014). She has had a friend staying with her as a 'permitted occupant'. The situation now is that the friend has gotten herself pregnant(not planned) and has left the property without giving any notice to my daughter, she simply took her belongings whilst my daughter was at work and she refuses to answer any calls to her mobile. So we don't know whether she is coming back but it seems very unlikely. This leaves my daughter in a difficult situation as she now has to find the rest of the rent, as if it wasn't hard enough as it was, and it would appear that, as she is the only one on the tenancy, she is going to have to stay there until next December. My question is does this friend have any legal obligation to pay her half still? or can she just walk away from this? And she does have an obligation what's the best way to make sure she adheres to it? I hope I have explained this clearly enough, apologies if I haven't. As you can imagine im pretty angry at this friend of my daughters but I no there's a right way and a wrong way of doing things and im determined to do it the right way. Thanks for any help that be given, I really appreciate it

Unfortunately I haven't, and obviously the online t & c's have since been updated in the last 2 weeks. I'm guessing this might be an issue?

Hi Apologies if this is in the wrong forum, if it is perhaps someone would be good enough to point the right one out to me Regarding the issue I need help with. I am a self employed builder who on occasion uses the above site to obtain work, I have been a member for about 6 years now. Just recently they have changed their operations and have removed a lot of facilities offered to the trader, the most relevant one for me being the one where they refunded you the money you pay for the lead if the customer doesn't allow you to at least quote for the work or the lead details turn out to be wrong. Instead they now keep the money whether you quote, are not able to quote, or you can't even contact the customer. As some of the more expensive jobs cost £30-£50 just to buy the lead this can work out expensive to the sole trader, it's no problem if I get the work because I can recoup the lead cost but otherwise I am simply paying for nothing! My question is whether they are in breach of the original T & C's that I agreed to some 6 years ago as nowhere have I agreed to these new changes, it seems they have just rolled them out and we either like it or lump it. Any help, advice or assistance would be greatly appreciated I hope I have explained the situation clearly enough, if not feel free to ask questions and I will do my best to reply to them.

Just an update to this thread. After 8 weeks Cap One has offered me £1200 as final settlement to my PPI claim and didn't contest at all. As this is roughly what i calculated i will be accepting their offer

Thanks for your reply Ken and well done on your result I take on board what you are saying and want to be sensible and reasonable about it all just in case it should go further.

Hi I have just started a claim for missold ppi with Cap One. The ppi was on a credit card taken out in 1999 and they are still taking out premiums monthly. Action so far is a request for the original agreement for which they sent the original application form where it clearly states i am retired. Following this i sent a formal complaint on the form provided on the FO site and have just received a response from Cap One stating that due to high volume of complaints it will take 10 weeks to investigate my claim and respond. Initial thoughts are that 10 weeks seems a long time and should i reply with a letter stating what i think the time frame should be prior to further action (LBA etc.). Also i don't have a clue how to work out what i am owed from them so could anyone provide and idiots guide on how to work it out? I also have another credit card with them and i am awaiting the original agreement copy for that before tackling them with that. Many thanks for any help or advice given in advance

Thanks

Put it anyway you like MIUH...it's a free country last time i looked

So in essence you are saying don't do anything? Not try to clear my name? Accept that they can make allegations at anytime without using in house polices & procedures or provide any evidence and basically bully you into resignation? all this just to make sure i get a decent reference from them? Whilst i thank you for your time and effort replying and giving me your opinion forgive me if i dont avail myself of it

Ok an update..as real life took over a bit i decided that ARC needed to go to the bottom of the pile of priorites for a bit and i hadn't heard anything from them anyway...until today that is. I have now received a letter from Trevor Munn Solicitors stating that "We have been instructed to take steps to issue a claim in court blah blah blah....make payment or else blah blah blah.....if you dont a CCJ will be filed against you blah blah blah". Also i might add that my daughter, during a move, has found the original agreement which is different from the copy they sent me. No signature from them on the form...boxes left blank etc so my cynical mind thinks they may well have constructed the form and transposed my daughters signature on to it. Anyhoo the upshot is that i will now be constructing a letter to the gym, incorporating slick132's excellent advice, and will also send copies to ARC & Trevor Munn. I would love a day in court with these jokers if only to see the judge fall of his chair with laughter but as Slick132 says, that's highly unlikely. I will just have to be content for them to crawl back under the rock they came from.