I had a look on the letter, it says my provisional payments are the same as the first ones, and it appears it is the childcare element that has been cut where those costs have not changed, as my CTC, CHB, and WTC are all together £5 less than I pay for my childcare?

And sorry, 14/15 will be the same as 13/14!

Thank you :)My 12/13 income was benefits - income support at a rate of about £70 p/w and CTC & BC at a combined rate of £80.13/14 I have earned about 12,500 in total, I think they will hold it as I have earned around £15,000, as that would be the 'pro-rata' but as I am agency employed my take home was less, as I only get paid for hours I physically worked.

Hello,Looking for some urgent help, HMRC unexpectedly cut my WTC by £40 per week, I received no new award notice. I obviously phoned them, and they told me this was my interim payments, they have guessed what I earned last year (obviously highly incorrectly), and I will be able to sort it out with my renewal. I asked if I could do my renewal now, then, to which they said no, not till I get the pack in the post.The only problem is, I have had a financial statement done (prior to this cut) my MAS, due to being in difficulty, and after I pay all my ESSENTIALS, such as council tax, rent, food, utilities, childcare and travel to and from work, I am left with 43p per week for luxuries. So basically nothing, and I'm guessing it doesn't take a mathemetician to work out that I depended on my WTC to get by, and even then we only just get by by the skin of my teeth, and now every week on going I am spending £40 which I physically do not have to spend, so most of the time food has to be cut out.I have applied to see if I am eligible for some housing benefit for this period, but they need an award notice to show my cuts, which HMRC said they will send in due course, no use to me. I think I am going to have to leave my job come the end of the week because I simply cant afford this and no one will help me - I don't want to spend my life sitting about on my ass being lazy and not working. Does anyone know where I can turn for help regarding this??So grateful for any!Ash

Thanks for reply, I just called their complaints department, and they have said to me that their internal processes are up to 5 working days, but generally within 3. I said the FCA & the FSA advise differently, and they still said they go on their own internal processes and there was nothing further they could do today. What should I do next?

Hi there, Wonder if someone can help me - I just noticed my bank card missing (from this morning) and called my bank right away, long story short there had been £130 in unauthorised transactions. They have said they need to look into it and someone will contact me in 5 working days, however this is not really good enough as I need the money back now! I had a look online and from what I can see, apart from the first £50 which they can hold me liable for, the bank must refund this immediately? Is this correct? I just want to make sure before I call them up to say! Thank you

Hi all, Thanks for the replies, really helpful. Sorry, I mean on the numerous times they have attempted to collect payment when they have failed they sedt a message to say 'We have been unable to collect payment'. They also state in their T's&C's they will never take money from your account without telling you first, and as I mentioned before he is unaware how they can possibly be saying the amount due was as much as over £500, the loan was £120 about 3 months ago, they have made no contact with him other than the failed payment texts - and the interest is £1 a day per £100! On this basis, do you reckon he is justified in instructing a chargeback? I don't want him to do it and be refunded for the bank to take the money back next month, we would be as well to lose out now!Thank you

Hi there! Looking for some urgent help, while in a financial mess my partner took out a payday loan from Clear Account about 3months ago, for £120. When unable to pay it back he didnt cancel the CPA (I did tell him to!) but he just made sure all of his wages weren't available for them to take. This morning, he didnt manage it, and they have completely emptied his bank account for over £500, the bank have been totally unhelpful, even though I would say this payment as being unauthorised (they have not contacted him in any way apart from a few texts to say they coudlnt take the money this time) , and has left us in total financial ruin for the rest of the month, we don't even have the money to pay our rent. Clear Account have also NOT at any time told him he now owes £500, if this is even correct. Please help!!

Hi there!I am an HSBC customer have been for a couple of years now, agreed that the bank charges can be unfair sometimes and a little excessive but suppose as a customer you are aware of these things, and when I go over my agreed overdraft I know I will be charged, but I'm always notified in a statement from the previous month. E.G I would receive a statement in mid January 2014, which was detailed from 5th Dec - 6th Jan, and I went into unauthorised overdraft x times and will be charged x on 27th of Feb.BUTI have been charged £75 (!!) this morning, excessive in itself, and I have received absolutely NO notification of this. I dont have online banking, have never set it up, I only get paper statements, and I havent received a statement for this period at all, having checked. What are my rights? I'm sure by law they are required to notify me, and if they haven't they must give these back! They werent able to tell me the date the notification was sent. I can also see you shouldnt be charged more than twice in one day, I have been. I thought HSBC would be waivering charges?Thanks!

Hi there,Wondered if I have any argument with HSBC as they havent notified me of charges which were taken from my account today? They genuinely have not sent me ANY letter, I have had bank charges a couple fo times before and I don't fuss paying them if I have been told about them, but they really havent this time, do I have any rights with regards to it? If I dont then so be it but would like to know as people on the phone seemt o be adamant I dont!Thanks

Thanks so much :)They definitely didnt try to deliver anything to me, he said 'I'm here to speak about your council tax', maybe he expected me to invite him in for a cup of tea I don't know. Will wait to hear back from the council anyway, they have sent me a few letters threatening this that and the next thing but with it only being this years which I am liable for I really dont know where they are coming from...

Thanks so much thats a great help I will do so - to be honest I don't really feel like communicating with Scott & Co whatsoever, I'm pretty sure they must get these kind of complaints often enough (or maybe it was just me!!) and don't do much, I have submitted a complaint to the council already but again I guess they'll just fob me off, although you never know I might be surprised. .RE the letters I definitely havent had anything saying they were acting on a court order, but I have never heard of them turning up at someones door before either, perhaps it has been because they have failed to find out who my employer is to arrest my wages? If he thought he would be able to goad information out of me on my doorstep though he was sadly mistaken !Also - the most part of the debt (200 I dispute I owe and there is another 700) is from THIS years council tax, how can it have been passed to them before the end of the financial year?!? !It wont let me quote you as I dont have enough posts?

Hi there Looking for some advice.. .I received several letters from Scott & Co, ref council tax (I live in Edinburgh). I'm a single mum and only went back to work in May 2013 (I do temp work through agencies mainly so was on income support prior to going back to work), one of the apparent debts owed is for period 2012/13, in which I wasnt employed and was receiving housing and council tax benefit, the other is a charge of £700 or thereabouts for this present year, which I am not in dispute that I owe, but the debt built up due to an outstanding housing benefit/council tax reduction claim. When I received a letter advising I had 7 days to act I sent the councils council tax dept an email saying I'd like to set up a DD for my CT for this year and an arrangement to repay the arrears at a reasonable amount (the only phone I have at the moment is at my desk in work so understandably not the best place to make a call) to which I received an automated reply that they would respond to my email within 3 weeks, but they were working to reduce that time - so fine. Then (completely as a coincedence) on last Friday evening there was a loud bang on my door circa 7pm - I wasnt expecting anyone (I live on my own with my 2 year old) so did not answer the door, the bang went again, this time it woke my two year old, so I went into her room to settle her, then proceeded to look out the window and see a rather intimidating looking man walking to his car - he seen me at the window and shouted YOU - COME TO THE DOOR, and reapproached my door - I didnt open it and told him this and he said its fine I'll speak to you through the door, he said he was there to speak about my council tax. I advised him I would speak to the council and not him, he then laughed and said well the council have passed it to us now! I said I wasn't particularly interested and could he please go away from my door as I would not be intimidated into anything on my doorstep. (My 2 year old was up after his banging on the door and was rather distressed) He said he wanted a payment, to which I said I couldn't give him, and could he please get away from my door? He said no, said I was going to call the police if he was refusing to leave, he still wouldnt budge. Eventually (by this time I was quite annoyed) I said listen, you can hear that your frightening my child, now go away from my door, and he then left. Is he perfectly within his rights to appear at my door at night time a nd wake my daughter from her bed, then refuse to leave the door? I didn't get notification someone would be calling at my property - I think as woman living alone with a child it was highly inappropriate, I do not want to deal with a company such as this, I will pay what I owe to the council - is this ok? A nd does anyone have a template for a letter I can send them? I dont want to email or call them as I dont want them to find out any of my personal details to help them try arrest my wages but if within my rights I would like to complain about this mans conduct. Any advice on my next steps would be appreciated! anks, Ashley