thank you renegadeimp

Hi you all wonderfull people, thank you for guiding me through all your valuable suggestion.. i have got a query today about my taxation. currently i am working in departmental store as a full time, but got the job offer in my own field, now decided to work saturday sunday in departmental store as part time and would like to do monday to friday in my own field.. My question is: do i have to tell HMRC that my first job will be mon-friday one and the second will be sat-sun one? when i got the new job offer, they did gave me hmrc form to tick in and i intentionally ticked " this is my only job", cos simply i dont want them to decline the job offer looking at the tick "this is my second job " now i am in dilemma what to do please shade some light thank you

thanks dx i got my claim from barclays, but unfortunately they paid my loan and i didnt got any money. now the problem is i dont have money to pay them.. absolutely in trouble. any option for dx to get rid of that claim company.. or can i negotiate with them for instalment cheers

hi guys i am quite in dilema, the claim company is charging me 30 % and VAT ... i just want to know, what if i dont pay to them, what will be the consequences? thank u all for giving your valuable suggestion. keep up the good work.

Hi there i have a long story to share but in short.. few years back i had loan which i couldnt pay the installment i supposed to but later negotiated with them and paid them the installment which i could. the most important thing is, i had ppi in that loan. so claimed it using third party.. now got the letter from barclays that i will going to get the refund of £3000 but the half of it will be used to paid the loan which is still running and half of the money will be paid in to the saving account.. which i have never access it in these 4 5 years time... now my question is how i am going to acces that account, i dont have any details of that account, on the top of that i had current acount in barclays which is of £250 of arrears... what to do to get the access that saving acount where i have about £1500 . what step should i take to get the money. now i have got call from that third party who helped me to get the refund. their charges is 30% plus VAT and i am entitled to pay the fees which is £1100.. thank you for going through my queries take care

hello bazooka Cap one gave my account to scott call, and they offered me £400 for the clear off.... which i paid in time. now i think cap one gave my account to credit solution to collect another £400 from me .... i still got that offer letter.. now i am thinking to post it to credit solution.. and will let them know that it has already been cleared off according to scott call.. any suggestion will be great relief thank you

hi guys... got letter from credit solution, letter goes like this: Thank you for your letter dated 26th April 2011 which has been passed to me for response. In regards to your concerns regarding our involvementwith the above account, i refer you to the section ' We will disclose your personal information' of Capital one's Privace Statement, which states "we will disclose your personal information to our sub-contractors, agents or other companies (including those based outside the European Econimic Area (EEA) who provide service to us or you under strict conditions of secrecy and security. " There fore no breaches have been made under the Data Protection Act 1998. in your letter you state that your account with our clients is currently in dispute as they have failed to comply with your request under the consumer credit Act 1974. in order for us to raise your dispute with our client we require more information regarding your Consumer Credit Request. we need to clarify the following: * whether you have or have not receive any documentation from the client since your request was sent *whether you have paid the statutory fee of £1.00 for this request. Please note, if the fee was not paid your request would not have been actioned. If you have received a copy of your Terms & Conditions since sending your request to our client, the please note sending this documentation fulfills our clients obligation to provide you with copy of agreements/applicaations under the consumer credit Act 1974 if you have not received any documentation from our clients, the please let us know and we will raise your dispute with our client. Please note that should you wish to escalate your complaint you must do so with in 6 months. i have enclosed a Financial ombudsman service Leaflet for your reference. yours sincerely. Sally Eames Complaints Officer This is the letter... what would be my next step.... do i have to send letter to capital one with £1.00 cheque for the terms and condition... pls assist me guys , i am really worried now. thank you .... you guys took out your time to read out this.

well said bazooka!!!! really appreciated

hi guys i am back with lil more info regarding my Credit Solution torment... today got the letter, letter goes like this: We thank you for your correspondance concerning the above account. We would like you to bear with us whilst we attend to the matter and we shall contact you in due course. thank you so guys what would be their next step... will they stop contact me and give back to Capital one. Thank you guys for your time god bless

That lot of information gave me so much of relief.. hats off to u Bazooka Boo. many thanks dude.. i will do so . cheers!! will upadate the outcome soon i get anything from them.

thank you bazooka

Thank you Fred and maroon, my story is like this: i had capone credit card credit limit of £900, Due to some personal problem, i couldnt run the account which i should. i was paying them £10 a month After few months Cap ques send me demanding full sum with in 3 to 4 working days time.. on behalf of Cap one. I didnt respond them and neither i paid them.. after couple of months cap quest send me letter, demanding money again, this time offered me to pay £401 instead of £886.. which can be paid in three months time. i rang them up immediatly and paid them out in 3 months time with lots of difficulties. after a year and so , i got letter from another company "Credit solution" demanding me money of £386 ,, which was remaining balance from £886. immediately i wrote letter to "cap one" with the proof of offer letter which i got from "Cap quest" and the letter from credit solution. After few days back "credit solution " send me another harsh letter saying that if not been respond then our staff will come to your door and collect debt from you, or court order or bla bla bla i was really worried, and google it for the solution and found this forum as god. today i send them letter saying : Dear Sir or Madam, Account number: ************** I must admit that I am rather bemused as to why this account has been passed to yourselves, as it is in dispute with the **original creditor/CAPITAL ONE**. Not only is this a breach of OFT collection guidelines, but also in breach of the Consumer Credit Act 1974 and Data Protection Act 1998 My last letter from **original creditor/CAPITAL ONE** was DATE and intimated that my complaint would be resolved on **DATE**, this obviously hasn’t happened. As **original creditor/CAPITAL ONE** are now in default of my Consumer Credit Act request, OFT Collection Guidelines, *Subject Access request and have also breached *s10 Data Protection Act request , I consider this account to be in SERIOUS DISPUTE. As you are aware while my Consumer Credit Act request remains in default enforcement action is NOT permitted, under s127 this constitutes a complete defence at law. Consequentially any legal action you pursue will be averred as both UNLAWFUL and VEXATIOUS. Now I would respectfully suggest that this account is returned to the **original creditor/CAPITAL ONE** for resolution of these defaults and breaches, as **CREDIT SOLUTION** cannot lawfully pursue any enforcement activities. If **CREDIT SOLUTION** chooses to ignore my dispute and attempt enforcement, I will initiate legal action and file reports with the appropriate authorities, including, but not limited to, Trading Standards, Office of Fair Trading, Information Commissioners Office, Financial Ombudsman Service and possible court action. After taking advice, I am of the opinion that any continued pursuit is in violation of the Administration of Justice Act 1970 section 40 as well as breaching a number of the OFT Collection Guidelines I hope that this will not be necessary and an acceptable solution can be accomplished. I would appreciate your due diligence in this matter. I look forward to hearing from you. This is my story.. thank you for your support guys.... keeping doing good works

hey scared,, sorry to bother u I am in same situation as you were in 2009 what did u do with CS and capital one.... pls help me out... CSL power 2 connect is giving me loads of headache.. sort me out with ur genuine views pls thanks