Jump to content
Twitter - Include the @company's twitter name in your post title – here's why…
The UK Stands With Ukraine - 'Slava Ukraini'

chiefmegawatty

Registered Users

Change your profile picture
 View Profile  See their activity

  • Posts

    400

  • Joined

  • Last visited

 Content Type 

Everything posted by chiefmegawatty

  1. chiefmegawatty
    I have been with Scottish Power for many years. Four years ago I changed over to prepayment meters for gas and electricity. I always put credit on the meters at the end of the month when my pension came in. I always kept plenty of credit on the meters, usually around £80. I recently changed energy supplier to Economy Energy. I have just received a bill from Scottish Power for £500 for my gas supply since having the prepayment meter installed. I contacted Scottish Power and asked them how I could possibly owe this money. They said they had no record of me putting credit on my gas meter for the past two years. I have kept every receipt for the last four years that proves I have topped up the meter every month and kept it well in credit all the time. How can I be charged for gas that I allegedly haven't purchased knowing that the meter will cut the gas off when there is no credit on it? Now if there had been no credit on my gas meter, the only debt that would accumulate would be the standing charge which would come to around £200 over two years. Therefore how can Scottish Power charge me £300 for gas that I couldn't consume if there had been no credit on my meter? I wonder why Scottish Power didn't write to me long ago if they were of the impression that I hadn't put credit on my gas meter for the last two years. Also it seems suspicious this has happened just when I change energy supplier. The letter from Scottish Power mentions the addition of collection charges if I fail to pay this alleged debt. Thank goodness I have kept every receipt of payment since I converted to prepayment meters. Therefore any impending court case will be interesting.
  2. chiefmegawatty
    Yes, I thought so. thank you for your replies.
  3. chiefmegawatty
    A Police officer recently informed me that a criminal PNC check will be shown on a person's credit report and damage that person's credit rating. I this true? I thought that county court prosecutions had nothing to do with magistrate court criminal prosecutions. Am I wrong or is the Police officer talking rubbish?
  4. chiefmegawatty
    Hi dx and thank you for your reply. I'm not to sure about the legality of joint signatures. Read this: http://www.consumeractiongroup.co.uk/forum/showthread.php?421865-HMRC-want-paying-for-WTC-joint-claim-my-wife-forged-my-sig/page2 This proves that joint signatures are worth nothing. Therefore I can be held responsible for an agreement I have NEVER signed. Comments welcome.
  5. chiefmegawatty
    Thanks orbiter for your reply. Does this mean that I can be held responsible for any credit card or bank loan debts my wife incurred without my knowledge when she was living with me? What happens if my wife has incurred further debt since she left me? I have heard through the grape vine that my wife has incurred considerable debts since she left me four years ago. Realising from your post that there is a financial link, I assume I may end up in court for huge debts I know absolutely nothing about.
  6. chiefmegawatty
    I was referring to a debt with Scottish Power for supply of electricity and gas and as far as I know they don't supply water. I therefore wonder why my thread was merged with an earlier thread regarding a water debt. Yes I do still live in the matrimonial home and my bank account wasn't a joint account.
  7. chiefmegawatty
    My wife arranged a direct debit with a utility company using my personal bank details without my knowledge. She must have done this over the phone using my debit card details. This eventually caused a debt that I wasn't aware of at the time. I have been landed with the debt despite me never having set up any direct debit with the utility company. Shouldn't my wife be liable or the utility company for taking direct debit instructions from a person other than the actual account holder? I think it's identity theft and I should not be held liable for the debt. I thought that unauthorised use of a person's bank details would have been compensated for by the bank or the utility company taking money under an unauthorised direct debit.
  8. chiefmegawatty
    I am an honest person who has never tried to obtain money or goods by deception or fraud. However, I now realise that honesty doesn't work under British law. Sadly I have to assume that obtaining money by deception using a forged signature will only result in action against the victim, even if the victim can easily prove that his signature has been forged. I think this issue opens a huge legal can of worms. In other parts of this website regarding debt there is legal advice regarding signing a CCA agreement. The advice seemed logical to me, however, HMRC and the Police have now implied that a forged signature is legally equally as valid as a genune signature. Therefore what's the point of signing anything now the law has decided that a genuine signature is worth nothing?
  9. chiefmegawatty
    What is N56 if you don't mind me asking. I have a CCJ and a charge order but have never heard of or ever seen an N56 form.
  10. chiefmegawatty
    No court can set repayment conditions when they have no idea of the debtors income. I took the advice from a legal advice service NOT from a corn flake packet OK. I find your comment most insulting.
  11. chiefmegawatty
    Hi HB, yes it does relate to previous threads. I just wondered if I could clear the charge order by making a much smaller cash offer to the criditor. I have read on other financial forums about debtors offering to pay 20% of a charge order debt in cash to the creditor and having their offer accepted.
  12. chiefmegawatty
    Based upon some legal advice I received recently, an attachment of earnings order cannot happen if the CCJ was issued by default so there were no repayment conditions set at the time.
  13. chiefmegawatty
    Does a charge order mean that a debtor has to pay the full amount or would a creditor accept a smaller immediate cash offer to clear a charge order?
  14. chiefmegawatty
    I submitted an official complaint to HMRC on 14/09/2015 and I received a reply today. They say that I have failed to provide any new information to support my complaint. I don't know what they mean by "new information". They have several examples of my genuine signature from the many letters I have written regarding this issue , and they have the original WTC application form with the clearly forged signature. I would have thought that was enough information and evidence to support my claim. HMRC have not commented on my pointing out their web page that states both applicants must sign for the application to be a joint claim. HMRC also say that they won't reply to any further correspondence from myself regarding this issue.
  15. chiefmegawatty
    I reported this to the Police back in 2012 on the advice of HMRC. HMRC asked me to send them the Police crime reference number which I did. A few weeks later I received a call from the Police. They said they don't deal with cases of this type because HMRC have their own department to deal with tax fraud cases. Therefore HMRC tell me to report it to the Police, then the Police tell me to report it to HMRC. I am of the impression I'm being messed around by two incompetent Government departments.
  16. chiefmegawatty
    Thanks to all for your helpful comments. Anyway, two weeks ago I completed the HMRC complaints form and posted it back. I gave them the link to their website that states that both claimants must sign in order for the claim to be a joint claim. I have asked for my money back and asked them to chase my absent wife for the money. I await their reply.
  17. chiefmegawatty
    I have discovered that the WTC money all went into my wife's bank account without my knowledge. However, when I pointed this out to HMRC they said it made no difference which bank account it went into. Therefore summing up, I have come to the following conclusions: 1. If you have never signed up for something, the law considers that's equivalent to signing. 2. If you have never received any money for something you never applied for, the law consideres you to be guilty for something you have never received or applied for. 3. Anyone can now be prosecuted for anything they know nothing about and have never signed for. 4. Any signature on any legal document is worthless.
  18. chiefmegawatty
    Yes indeed. However, the Police seem to be implying that if you know about a crime only report it if you are a victim, otherwise your evidence will be ignored. To make things even more confusing, it was HMRC who told me to report this to the Police in the first place ! When HMRC insisted that I pay them after I informed them I had never signed the application form, maybe HMRC are guilty of fraud against me. Alternatively, perhaps HMRC and the Police are in co-operation to extort money from innocent people while they let known guilty people off. Maybe I should have flatly refused to pay HMRC and wait until they took me to court. I would have turned up in court with my copy of the application form clearly showing that my signature had been forged. I would have also taken my driving licence that shows my real signature. Despite what Action Fraud said, I do consider myself to be an innocent victim. I will continue to fight HMRC for my money back, but I won't be holding my breath. I think I was stupid to pay them as I suspect I had a rock solid case. However, it will be interesting to see what happens when I submit my complaint form to HMRC.
  19. chiefmegawatty
    Thanks for the replies. today I received a reply from Action Fraud regarding this issue as shown below. I am also awaiting a complaints form from HMRC. HMRC asked me to point out their website page when I fill out the form. Dear Sir, Thank you for your email to Action Fraud. The use of another person‘s identification details (or the use of false identification details), often referred to as identity theft, is not in itself an offence in law. its the action that is undertaken, using those identification details, that becomes the crime that needs to be considered in respect of whether an offence has occurred. Most instances of identity theft come to light when the use of someone else’s personal details are used to fraudulently obtain goods such as mobile phone contracts, or in this case a tax credit. The first that the person knows about this is when they receive documentation for something they have no knowledge. Action Fraud are required to apply the Home Office Counting Rules for recorded crime (HOCR), which is a victim based recording system. In these circumstances the victim of the fraud is the HMRC and not the person who’s identity has been stolen. Action Fraud try to explain this and have taken an Information Report from you that captures all the information and intelligence about what has occurred and this is passed to the National Fraud Intelligence Bureau (NFIB) which is run by the City of London Police. Updates are not provided for Information Reports and you were notified of this when you made the report. The NFIB have determined that there is not enough intelligence information to progress the case further. From the details provided, your identity has been used to enable a fraud against HMRC, it is therefore a matter for HMRC to investigate. The report will be kept within the intelligence system at the NFIB where it will be regularly matched and assessed against other reports to help boost wider crime investigations, building a more complete national picture of fraud. The data you have provided may link to another crime Regards, Information Hub Team
  20. chiefmegawatty
    Thanks for your posting ericsbrother. I think you are probably right. However, 18 months ago I reported this issue to Action Fraud. They gave me a case number and said they would be in touch. I have heard nothing from them since. I recently emailed them asking why nothing had happened. I am awaiting their reply. Maybe I should have never paid HMRC and just let them take me to court. I would have brought my copy of the WTC application form to court with the obviously forged signature. Today I contacted HMRC and explained how I was unhappy with the situation. They are sending me a form to dispute the case. They also told me to mention the HMRC website link that states that both claiments must sign the form for the application to be valid as a joint claim. I am hoping that Action Fraud will soon take up the case, prosecute my wife then inform HMRC of the prosecution so that I can get my money back.
  21. chiefmegawatty
    I recently discovered this: http://webarchive.nationalarchives.gov.uk/+/http://www.hmrc.gov.uk/manuals/ntcmanual/applica_capture/ntc0070430.htm I assume that proves that HMRC should have not told me that I am liable for a joint claim. HMRC were therefore telling lies when the told me that my signature wasn't required to be held responsible for a joint claim. I want the money I paid to HMRC back. HMRC seem to be just as corrupt as false claiments who forge signatures. I am not a happy chappie.
  22. chiefmegawatty
    OK I shouldn't have used the word "sentence". However I consider a court judgement passed for a debt that was paid in full over two years ago to be a nasty and unjust version of a sentence. A CCJ exists on your record for six years even if you have paid it back. A satisfied CCJ still considers you as untrustworthy financial **** for six years. Your personal insult against me suggests that you have completely missed the point of this forum. Your post enforces that view.
  23. chiefmegawatty
    Yes I told the HMRC that my identity had been used fraudulently and also reported it to the Police through Action Fraud 21 months ago. I haven't heard anything from Action Fraud since I reported it.
  24. chiefmegawatty
    I received a nasty threatening letter today from HMRC demanding money for a working tax credit over payment. This is the third time HMRC have asked me to pay back an over payment despite me paying it back over two years ago in cash. Also to make things worse, I have never claimed or applied for working tax credit. Confused? yes so am I. I paid HMRC over two years ago for something I have never claimed just to get them off my back. Now they want me to pay it again ! I am looking forward to appearing in court. The county court judge will ask me if I have anything to say before he passes sentence. I will say "I've already paid the debt I didn't actually owe and here is my receipt of payment from HMRC. The court case will be very interesting indeed.
  25. chiefmegawatty
    DX why have you highlighted that previous thread?

Follow: @real_CAG

Navigation Links

Welcome
CAG Community Centre
CAG Library
Banks & Credit
Other financial Institutions
Retail
Non-Retail
Work & Social
PayDay and Short term Loans
Debt
Motoring
Legal

Latest

Our Picks


Help and Support

CAG Library
Questions about This Site
Change your notification sound
Change your profile picture - FREE!


Useful LInks

County Court Forms
MoneyClaim Online
CPR - Pre-Action Protocols
Civil Procedure Rules
UK Legislation
Youth Consumer Service

Reclaim the right Ltd

registered in the UK
reg.05783665
reg. office:- 923 Finchley Road
London NW11 7PE

The Consumer Action Group

The National Consumer Service
×
×
  • Create New...