Back in April I received a letter from the compliance operations team requesting details of my 3 children attending child care with one of my childminders between 2012 - 13 (2 x children are with 1 childminder and the other goes to another). I had forgotten to update HMRC that my two boys started attending another childminder in January 2012. I sent all the contracts of both providers along with payments made between April 2012 to April 2013 and also informed them which of my children would still be in childcare between April 2013 and April 2014. When I went to collect my daughter from her childminder last week she informed me that she had been questioned on the phone vigorously regarding my three children, she informed them that she had previously had the boys but could not give the dates of the previous years as her accountant had all of her books. She was able to give them figures of 2012-13 for my daughter. Again she was asked whether the figure was for all three children and she reply "no just 1". My other childminder has yet to be contacted regarding the boys, however I have received a letter from my compliance officer who returned all my documents and stated that they will write back shortly regarding my tax credits claim. What does this mean???? I am worried enough about the whole thing as it is and cannot sleep at night with worry. I was previously investigated in 2010 again regarding childcare which was sorted out and I had complied with everything that was asked of me, if fact they owed me money. Will I have to pay them back because I did not notify them about a new childminder?

I am self-employed and in the process of gathering information to prove my earnings/hours worked for the last tax year. Would really appreciate advice from someone who has experience of some/all of the following: Re breakdown of hours worked per week - Do I need to provide details of hours worked every day or just a total for each week? (I am also providing a diary of my work) Some weeks I worked over the minimum 30 hrs, sometimes less. Will this be averaged out over the month/year? Or do I need to have worked at least 30 hrs for every week? Re invoices - I have invoices for most of my jobs, however some were *ahem* cash in hand and I didn't produce invoices at the time but still need to declare the hours. Would it be risky to make invoices for some of these jobs now or would I potentially be getting myself into trouble if HMRC checks them out? (NB I would have to change the invoice numbers on some of the existing invoices to fit them in) Does HMRC accept electronic records? Thanks in advance for any help!

I had my interview and was only there 10 mins was able to show the chap that I had notified pension credit of a change of circumstance my wife had transferred £15000 from her life assurance to her building society account although the officer died not say anything I have been told by people not in the know my money will be stopped until the overpayment s are worked out is this true

I had a letter from the Jobcentreplus saying I was invited to an interview with a customer compliance officer. I think it was a regular letter that is sent out, it just said the visit has been arranged because your circumstances may have changed and we need to ensure your payments are correct. I rang to request a home interview due to my health issues and the man said yes no problem and he would find my file and get his diary then ring me back. When he did he seemed to think there had been a mistake and said dont come to the interview but he would check through my file and if he does have to interview me he would send another appointment for a few weeks time at home. I have now recieved a home interview appointment, no specific time just between 9.30am - 3.30pm. I am of course like most people having these interviews really worried and nervous. I feel a bit more nervous because I'm thinking why does he need to interview me now after first seeming to think it was a mistake. I rang them again to ask what was the reason for the interview, this time a lady answered, last time it was the actual man that was going to interview me. She checked the system and said there is nothing noted on there then asked if there have been any changes and I said no so she said and its just a review type check and nothing to worry about. I am worrying though and keep wondering why. I recently set up 3 new savings accounts all to be funded by £1 a month just to keep the new rules for halifax reward account as they now require you to have at least 2 direct debits from them to keep the reward, could it have triggered an interview? I also have 3 reward accounts using one as my main account and the others just basically to get the monthly reward, I have to fund them by 1k a month but only do that by transferring between one to the other. I'm worried if these accounts will confuse the situation. I have an ISA for my funeral expenses depressing as that sounds but its below the allowed threshold. They have asked for id and bank statements but didnt say how many months worth, how many should I supply? as I have to request these from halifax as I have online statements or would they accept printed ones for the time being? thats if you can print them directly from online. Also, will this interview be just about my ESA Support group benefit alone with Jobcentreplus as its headed from Jobcentreplus customer compliance or will it take into account my DLA HRC HRM awards as well? Sorry its so long but any knowledge from other members would be much appreciated, Thanks

I am wondering if a commercial loan agreement I have with NatWest is valid as due to a change in the properties borrowed on it is not for the amount I borrowed. I would not normally be concerned but they have called in the loan. I was told it would be renewed at the end of the term but then the banking crisis happened and they changed their minds. They are also using a cross collaterisation clause on other loans I have with them over a longer term. They said they would never use this clause as long as I didn't miss any payments which I haven't. Please note I am not & never have been in arrears. I have never missed a payment, been late with a payment or been short on a payment. We have just found out the loan is not covered by the FSA (I know their name has now changed) but all their email correspondents state they are authorised and regulated by the FSA, is this not fraud? Have seen a solicitor who feels I was miss sold the product but haven't seen him again as I didn't have much faith in him. I have put in a complaint with the bank & the financial ombudsman both of which are being supported by my MP. I sent a SARs by recorded delivery on the 11th of March and sent an email on the 5th ofApril to advise them I had I no response. I attached the original SARs letter& reminded them the clock was ticking. Please note there is much more to this case, too much to note here. I am looking for a solicitor who has a proven track record in this area. I am also prpared to use less conventional methods at this point as I don't have much else to loose. I have worked very hard for my properties and I just want them back. Any advice would be greatly appreciated. Thanks in advance.

Hi everyone,im new here but know of the forum and value what a fantastic place it is for useful knowledge and friendly ,caring people, I received a compliance letter to state they are working with credit reference agencies and believe im living with another male. The answer is, yes i am, unfortunately not a choice of my own but one we dont have, He is my little boys ex and we bought a house together when i fell pregnant, weve split many times and ive tried to survive on my own but paying my half of a £700.00 a moth mortgages as well as rent , bills food, childcare etc, doesnt happen very easily, i came back in 2010 as it was looking like we could be in trouble with the mortgage company as he couldnt afford to keep up the mortgage repayments on his own, so i moved back in, thought it would be good for our little boy to see his dad most days and to be honest the house is a nice house, three bedrooms, i have one, he has one and our son has the other, he pays all the bills out of his bank account which are all in his name and i transfer a set amount to his bank for my half, we are both named on the council tax as i believed right as we both reside at that address, we are both obviously named on the mortgage, The house/mortgage is in huge negative equity and seems a massive nightmare to be able to get out of this, its at times slightly awkward to live in the same house but he makes it easier by spending alot of time at work, gym, his mothers and mates, he doesnt support me financially, i have my own phone bill, car insurance , car bank account etc, but im panicking now as they are making me out to be a criminal!! or to have committed an offence, never had a criminal record, ive never even set foot in a police station, a work full time and cant wait for the day to arrive when i can finally remove my self from the mortgage and find myself and my son a nice little house, what a complete bloody mess, im terrified my employer will find out, then i wont have a job and definatley wont be able to pay my half, my parents cant take me and my son in and i dont have many friends, plus id still be liable for paying for a house i dont live in!! what can i do??? thank you in advance, very very panicky...

I have just received a compliance letter 16/03/13, it says that during 2011/2012 I earned more then I declared. I've spent the weekend pulling house apart looking for p60, and they are right. The letter asks for proof of any pension investments or overseas investments, of which I have none. I have till the 25/03/2013 to dispute the earnings, if they don't hear from me they will make the ajustments. At first I wasn't concerned the amount declared is not vastly under what I earned, so I was just going to leave them make ajustments, however out of interest I decided to do a bit of googling and now im In a right state about it!!!!! Ive read some horror stories. I just want some reassures that I was right not to be too concerned and that I haven't got people outside my house watching my every move. Im aware that I have earned a lot more money this year 2012/2013 but I still fall into the bracket of being able to claim tax credits. I am now on zero hour contract at work and some weeks I can o ly get 14 hours work and other weeks I can 38 hours of work, should of declared by now? I thought you declared it when I next renew the tax credits? Should I contact them or just leave them to make the adjustments? Will they ask for other details? Many thanks

Hello, I am new to the site and I in need of some help **PLEASE** I have recieved a letter this morning re a compliance check and I need to send in reciepts/ contracts etc. I have been STUPID- my daughter turned 4 last March and got 15hours free at her daycare. I signed a form re this and assumed this would inform the tax credits that my costs had decreased. I was claiming £160 per week when my costs were £70 after the 15 houts free. So i have been overpaid and never rang up the tax credits to ask why/ change the details... I just thought that automatically happened after I signed the 15hour form. Anyway I am going to send all my contacts/ money paid to them and inform them of the overpayment it appears I have. My questions are-has this happened to anyone before? What was the outcome and will I be sent yo court/prison? I guess my overpayment is around £5,000 which I know is a massive amount. I am grateful for any advice/past experiances..anything really. Please help! Thankyou in advance.. you have no idea how sick I feel xx:sad:

November 2012; received a letter from Marston Bailiffs informing me that they have been authorised by Magistrates Court to collect an unpaid ticket fine. Two days after receiving this letter I poster a SAR request, but without the statutory GBP 10. April 1 2013 - a letter from the bailiff (Marston) acknowledging that they received the SAR request and asking for 10 GBP fee. two days later - "no knock" visit with a letter escalating the fine to GBP 600. A representative claims in a letter that he attended the premises but I was unavailable and as a consequence my fine has escalated. The man who signed the letter and left his mobile number is a representative of the bailiff, obviously, but not a bailiff himself according to justice.gov website. The man who signed the hand delivered letter was never contacted. Three days later after the visit, another attempted "no knock" visit, but accidentally disturbed; someone opened the door and was handed the letter to pass on to me. Similar message, but no further escalation of the fee. April 11; SAR request resent + GBP 10 (in form of a postal thing, as instructed) + letter received from Marston on April 1 sent. The documents were scanned before sending. April 21 - a letter from the bailiff stamped "removal division" beginning with "You need to be aware that Marston have Court Authority to remove your goods and to impose fees and charges." Day later, after investigating the issue of complaint on Marston website an e-mail I followed their complaint procedure and wrote them an e-mail as follows; to whom it may concern; Please open and read the copies of documents I received from Marston Group (attachments); The correspondence regarding my SAR request (Scan.Pdf) My response to it. I would like to remind you that the amount of GBP was issued and sent to Marston Group on April 17th, as instructed by you. I did not receive a response to it, yet I received a letter threatening illegal entry and seizure of goods (Scan 2.pdf). Please be advised that since I was unable to receive any response from you regarding the basis of your action, I am left with no other choice but to complain. Please be advised that aside from writing this letter to you (in form of e-mail) - I will also be pursuing legal aid, - will be contacting the courts requesting the disclosure of their warrants and, since I received the threatening letter from you very recently, I consider my household to be under immediate threat of illegal and unwarranted entry - I will be contacting the Police as a matter of urgency to request their advice, assistance, protection and if need be, complaint against you. With this letter I request you to cease all visits to the property by yourselves, your agents and other representatives. I reserve the right to present the copy of this letter to the Police, solicitor and the Courts if the situation escalates. This document was also sent to their complaints office, as instructed. Received no answer yet; but was it an appropriate course of action? Whats rights do they have? Can they claim they never received the GBP 10 check and thus have the right not to acknowledge my SAR request? Does the fact that they just received the proof that it was posted change matters? Can the letter stop their immediate visits? Have they broken their code of conduct in pursuit of the fine and do I have grounds to complain? Please advise, and I would be incredibly grateful. I am dealing with the matter myself and I really, really need support. Is it

I received a letter from tax credit saying that they are looking into my single claim for 2011/12 as they believe my husband was living there. I want to be completely honest with them and admit my guilt but am terrified of the consequences. My husband and I decided to separate in 2007. We was affected by the floods that year and was living in a caravan. I applied for tax credit as my husband was going to be moving out. To cut a long story short as there was a lot of things going on with the flood claims, builders etc and my husband couldn't afford to pay for somewhere to live he didnt move out officially. I didn't cancel the claim because I didn't think the marriage would continue as we had had a couple of turbulent years, topped off by the stress of money and the floods, my husband was diagnosed with depression at the same time which he received counselling for and we felt we wanted to give the marriage another go. I am very ashamed as I stupidly carried on claiming tax credit as we have a lot of loan and credit card debt going back years and years and the money I was receiving was basically keeping us afloat and keeping up debt repayments. This year I cancelled the claim as we wanted to finally face our problems once and for all. I am now on an iva and my husband on a dmp and in a few years we can see an end to this mess. This is a fresh start for us all. I have now received this letter I am so scared. I am not eating or sleeping and crying at the drop of a hat. I have never been in trouble before (hence the state I am in) and i'm terrified of being prosecuted, although I know its probably what I deserve I have got a place at university for next year to train as a nurse but if i get cautioned or prosecuted that wont be a possibility, I cant believe I have ruined my life. I understand honesty is the best way forward now and i've read a thread of someone in a similar situation to me ( CAT2212) who wrote a letter and got it sorted. I am happy to arrange repayment of it somehow i just don't want to be prosecuted, I have learnt my lesson, i had long before the letter came They only mention on the letter 2011/12 do i just refer to that at the moment and how do I word it? I have been to CAB and they said they couldn't help me and referred me to community legal advice, I spoke to them and she was very abrupt with me and said basically i'd been sat on the money for the past few years and couldn't help me. She told me to go back to them if tax credit decided to prosecute and she could refer me to a criminal solicitor. Please help me

Hi one of my friends had received compliance check letter from HMRC. We are not sure why he had received the letter as he is not self-employed nor own a business. he is on a permanent job with a company and earns a single household income. He pays taxes promptly which looked after by his employer while paying his salary. He doesnt claim any benefits except for child benefit(not tax credits). He only works for one company. he was asked to send bank statements, payslips and p60s for the past 5 years. very scared to hear this. Has anyone faced a similar situation???? your inputs and suggestions will be of great help. Thanks

Lots of issues going on at the moment but have a query regarding a mobile phone company not complying with my SAR. Basically VODAFONE put a default on my CRA unlawfully during 2011 and after a bit of help here using the dedicated pages for mobiles etc together with correspondence via the Vodafone Rep the Default marker was removed after a few shenanigans. Anyway i decided to get all my info from them and an associated company who supplied the faulty phone that led to the problem so i can assess my situation. The associated company have sent me my information, VODAFONE have not and are in serious default of the SAR. I am now so annoyed with their poor customer service that i want to take all my issues with them further including them unlawfully ruining my credit score. I guess that i should now write to them complaining about their lack of compliance with my SAR, should i also complain about the rogue marker as a combined complaint/letter before action for both issues (non compliance with SAR and rogue Default marker). I have researched Durkin and a few other cases and i feel i have a strong case. Should i deal with both matters seperately or together?

How long do they normally take to investigate an error? I had savings over the £6k (about £2k over) for about 6 months. I did explain that it was because I borrowed the money so I could lock it up for 5 years to earn 6% interest PA. My account showed that money being paid in viA my dad, then paid out 6 months later.

I have SAR HFC and they have twice returned my £10 postal order saying they have closed the account 6years ago. I have also informed the ICO. I have done 2 LBA but still have not got compliance by HFC. What is the County Court process please.

Hi, new here and a bit scared to be honest. I received a letter from HMRC a few days ago regarding CTC. It asked me to contact them with actual income figures for 2011/12 ....I underestimated by £6000.I always put down an estimate on the forms. My husbands basic salary is £23000 but he does do overtime, this is where the £6000 has come from. We never know one month to the next if he is going to get overtime, sometimes he gets a good run other times he gets nothing. I called them yesterday and gave them the correct figures, they said they will amend the award, she was very pleasant, and put me at ease right away. BUT, there are underestimations for prior years, this is my biggest worry. In fact I am extremely worried about this. So I have a few questions I hope you can help me with. Will they definitely delve further? Will we go to prison? What are the chances? I know we will have to repay but how much will we have to pay? I feel sick to be honest. I can't think of anything else at the minute, I know it's our own fault, only have ourselves to blame for this!

I as the Claimant received back in July an order from the Judge with directions (which I would assume the Defendant also received). The order had three main points on it, 1. That Disclosure by List was done by the 4pm 15 August 2012, 2. That any request was received by the other side by the 4pm 29 August 2012. 3. That all parties attempt mediation, that any request made by a party must if declining mediation be received within 21 days of that request. I filed my disclosure by 15 August 2012, the Defendant hasn't, I requested mediation on the 6 August 2012 the Defendant hasn't responded. I wrote to the Defendant requesting that they file the disclosure within 7 days, they failed to do that. Today, at 5:35pm I received a telephone call with a request to email me a letter, I received that request which confirmed that they wanted to see all my documents that I listed on the disclosure list. So my question is what recommendations or comments does anyone have with this total disregard for CPR and the Judges Orders.

Hi there hoping for a bit of positive advice. On Christmas day me and my ex hubby ended our marriage, he left and had no where perm to sleep, sometimes family sometimes friends etc, we had joint account, i still was able to get bills paid etc. May 19th he found perm living arrangements, we began changing things over and he removed all his belongings. As it came to annual declaration i rang up and did it all at once, declared 2011 - 2012 and informed of separation. A telephone call came a week later saying they had received my single claim and could they ask why? I told them i have parted with my husband. she asked if it was before or after the april end of tax year, i said well to be honest he has been gone since xmas day but we have been sorting things out slowely and we had joint account etc. Letter came 19th july compliance check, asked for bank statements inc joint accounts, gas/elec/telephone council tax, i sent them all straight in. they rang few days after saying they had received the papers and could they have an address for my ex husband. I gave them it. I feel drained and have had no payment since i ended the joint claim. I am yet to hear bk. I have removed him from the council tax, the electoral roll is currently being updated as the canvassers have been round, all bills are in my name as i changed them straight away, they only thing is a joint bank account which i have sent the mandate off to have my name removed. they have to now write to him and do the same. He always transferred most of his wage into the joint account to help me. now i have my divorce forms all filled in and ready (just got no money to pay it) my bank account is now set up and my money into my account and he has agreed a set payment monthly. what else can they possibly want, their tone of voice on the phone is not as welcoming as i'd hope and they really don't give you clear answers. I have three children and childcare fees are mounting up as well as rent, my landlord and nursery are aware of what is happening and ok to wait but does anyone know how long this process takes and is there anything i can offer them as further proof!! Thanks peeps:|

Hello all, I've been claiming JSA since late March this year. Today I received a letter from Job Centre Plus saying that I have an office interview with a customer compliance officer. Having since spoke with a mate about it he reckons it is to do with benefit fraud! Now I know you can claim jsa still if you're working less than 16hrs a week. Since April I've worked 3 times at a car park stewarding at a sports events via an agency. So on the 3 times I did work it was only 8 hours at a time and was spread out of over a 3 month period. So never above 16hrs a week. Last time I worked was end of June, & paid few weeks ago. So in effect worked 1 day in April, May & June. He's got me worried now, says they checked my tax! Surely I can't be expected to just stop JSA for 3 days work I've been offered since April? Has anybody had one of these letters? thanks Ant

Hi there! As you might recall I had posted before, citing that I was registered as a self employed individual while also registered as a director for a company. For the year I recieved a compliance check (for both the limited company and my self assessment) about 80% of my income derived from me invoicing my limited company, and 20% from me invoicing (as an individual) other clients. The commission work I did was artistic short term project orientated. So I had the visit, and they went through my income and expenses, and seemed satisfied that the numbers added up. They had noted though that I had not included my income from invoicing my company (as salary) on my SA and had placed it in my self employed income. They also queried about my projects - considering whether an investigation might be necessary to determine employment status (would that be IR35?) I didn't hear anything for about 3 weeks and recieved an email requesting information on any projects (that were done with this and that individual) - that surprised me? Because while I can disclose that information it has nothing to do with my earnings? They ask to confirm information on said projects with individuals even though they occur outside the period for compliance investigation. So im just wondering - at what point does their requests for information become unreasonable or just well fishing?

Hi all, I wonder if any of you can help me with this? I have recently received a compliance letter for tax credits. They are asking for details of my childcare, receipts, contracts etc. I have sent them the standard letter stating the amount my childcare provider says I have paid and I have worked out that I have over claimed by around £30 per week for childcare. I have sent details of bank statements and pay since January 12 to March 12 which is what they asked for. My boyfriend gives me maintenance for my son of around £200 to £300 per month, which I have highlighted and explained in the covering letter I sent with the info they requested. I have told them that I believe I have overclaimed in child care and offered to make arrangements to pay it back. The issue I have is that my boyfriend (who is not my sons biological father) pays me maintenance as his real father does not and I am worried that they will now think he lives with me. He has his own flat, which I can prove with mortgage, council tax, utility bills etc and nothing attaches him to my home but he does stay with me every weekend. Reason being, most of the time he works away and if he didnt stay here me and my son (who considers him as his father) would never see him. I am due to go into hospital soon for a mastectomy operation and I want him to stay more, to help with my son and to look after me. He is happy to do this but still does not want to give his flat up as he still wants his own address ( I am always asking him to move in but he doesn't want to get rid of his flat). I am so worried as the letter mentions fraud and prosecution, I have asked for a speedy resolve as I really don't want this hanging over me when I go into hospital. I have penned a letter to them saying that I am now (as of today actually) not using childcare anymore as my ex mum i law is going to be looking after my son during the hols and that as I want my bf to stay more, I no longer wish to claim tax credits. I am scared that they wil think this is weird and make it look dodgy but I would rather just pay back the overpayment that they come up with and have nothing more to do with them. I have not sent it yet and don't know what to do. It is making me ill, please help. For the record, the letter was only about childcare, not my single status but I am worried now that as my bank account shows money coming in from him for maintenance that they will think it isn't right and accuse me of lying!! Only because I have read that some people have been told they should claim as a couple even though they do not actually live together, I am a born worrier and I may be worrying for no reason but I am scared out of my wits and think it is the end of the world!!! I just want to find out what they are going to do, have my operation and be left in peace to recover with my son and my boyfriend! Sorry if I waffled

I had an interview with Customer Compliance Officer at my place about a week ago. I was really worried and nervous about as I didn't know what it may refer too, I mean I knew it's to check my circumstances but still quite worrying! Any way, lady came and she was really nice and everything but at some point I've realised that this is all about me leaving with another girl and they're checking if we are a couple. We are not a couple, we rent an 3 bed apartment together where each of as has own room, we share kitchen, bathroom and living room, also we use 3rd room as a junk room. Questions she were asking were really awkward and it didn't really felt nice to answer them as it was a bit personal :/ Nevertheless I was doing my best to give honest answers. I got reply just yesterday saying "On the evidence available I have concluded you are living with Miss X Y as a civil partners" and that they passed that decision to the Jobseekers Allowance Changes section. It is mentioned about evidence in the letter with the decision but it doesn't say what evidence. I was never inform before about any evidence to exist, I wasn't told that someone phoned in and told them so.. nothing! So I was really devastated when I received that letter yesterday. And honestly I don't know what to do! We are NOT a couple, we are good friends who can rely on one another! And I'd rather want to live with her than rent a room with a strangers! How can appeal to this if I can?! How can I find out on what evidence a DM based hers/his decision?! Please help! I need to sort this out ASAP as I'm struggling with money and will have huge problem with paying rent, not mentioning getting food......

Hey guys, I'd appreciate some advice here, basically ive had two compliance inspections, one covering a year of my SA (as a self employed person) and the other a limited company that im a director of (for approximately the same period.) As a self employed person my income was only about 9k (with expenses of about 4k). All my figures in thsi respect are legitimate and if anything are probably understated. Same goes for the company, it made about 22k in a year, and for various commissions i did through the company I invoiced it (for approximately 8k.) Other monies that were paid in went out in expenses for things like events budgets that i managed. Ive been told that its possible that the x2 amount spent in the company (with my SA wage saying staying the same in that year) may be what attracted HMRCs attention. I was looking at some articles about self employed or employee, as that particular year saw most of my income come from invoices to that company - though (agreements for half that income in work i did were with me and not the company - though it was channelled through the account for practical reasons.) Other monies I have made (and more so since the year of inspection) have been from a more diverse set of clients. I work an enormous amount of hours (60+ a week) its in the (er not too profitable artistic industries). I decide myself when i work (not the company) I can also decide to hire other people, and have sometimes paid them and their expenses (and always pay my own expenses from my own commission work) from my personal account. I also work with my own equipment (personally owned) and not just company property etc. There are other directors of the company though they dont draw any money from it. I reckon during the inspection there might be some argument about whether I should be employed, but if i was i couldnt work the hours necessary to do survive? (as I'd have to be paid NMW right as a PAYE working director?) I also would presumably have lost WTC and other benefits. So any advice on these matters regarding possible issues would be appreciated. In the compliance they've asked straight off the bat to look into company and personal bank accounts, receipts, invoices, computer records and to inspect the premises.

Hi, I'm a bit annoyed currently so I thought I'd vent and get advice. I originally claimed JSA at the end of April I was given a date to attend the Jobcentre but phoned them as I had an interview that day and the next time they could arrange it for was 8th May. I went in and there was a problem with my online form so they got me to fill in a clerical form and told me that my claim would start from 8th May. I didn't argue so I filled in the form and also a LTF1 (I have a housemate). I waited the 14 days and hadn't heard anything so called up and someone said they BDC stated they had not received an LTF1 form from me. I went back down and I filled it in and asked them to send it across which they promised to do urgently. I phoned up 3 hours later and nothing had been done but the advisor promised me a call back within 3 hours. That didn't come so I phoned up again and was promised a call back within an hour. A lady (who's name I took), did call me back from the BDC this time but she wasn't from the DM team and just told me that my case had been sent to compliance and I needed to call them. I phoned compliance and the lady was nice but can't see me until 3pm Friday. I'm annoyed in that it's gone over it's scheduled time, I didn't receive a promised call back (and the girl who did phone me actually asked if I'd had the call back because she said the other person had marked it as cleared). My original LTF1 form was lost between JC and BDC and that I am not going to receive my scheduled payment until next week at the earliest (I signed on last Thursday) This is going to cause me real hardship in that I owe that money out for bills. I worry in that I used to work at the BDC and really didn't get on with one of the DM's but I can only hope no one would be that petty! My LTF1 contained the following. Live with a housemate, we'd been friends before and decided it was cheaper to rent a place together. it's a 3 bedroomed property and we have separate bedrooms. We do share use of kitchen and bathroom and occasionally living room though I use that more often. We do separate food shopping, cook separately, have separate utensils, do our own housework (ie I will clean my bedroom and any of the communal rooms after I have used them but never his room or the rooms after he has caused mess). Water is in his name but he gets money off me to pay. Electric and Gas is in my name but I get money off him to pay. Cable is in his name but I give him half of base bill and any extra if I've used any services (phone calls - rented a movie etc). Moved in January 12. Intend to Move out Jan 13, 1 year tenancy only ever intended as short term thing. Both have girlfriends and will probably look for a place with respective girlfriends after the tenancy is up. I have been awarded HB so fortunately can pay my rent (due on 1st) However my CTB was applied too late so begins from 1st July so missing out on this means I can't pay the £56 I owe for CT this month on time. I also owe my half of the Cable bill and if I can't borrow the money my housemate would be within his rights to stop me using the services (due by end of month, I've been putting him off for a few days). Does anyone have any advice about what I should do now? I know I'll need to attend this meeting but I really don't think I've been given decent service and I don't know why I have a compliance officer referral without even getting a call from the DM looking at my LTF1.

Hi folks, Quick background: DCA (Wescot) kept referring me to their client (RBS) whenever I made a CCA request. Taking advice from the forum, I made the CCA request direct to RBS. Their deadline for compliance was 07/10/11. They have now sent me a package of copy documents under a letter dated 10/10/11 claiming to fulfil their obligations in a s78 CCA request. The first copy is an alleged credit agreement. Whilst I recognise the name and address (I've moved home a lot since that address), it's a single page headed "Credit Agreement regulated by the Consumer Credit Act 1974". Apart from the name and address, credit card number & credit limit there are only 5 paragraphs: 1. We will set your credit limit... and we may change it at any time... 2. Within 25 days of each statement you must pay us... 3. The rates of interest we charge , and the equivalent APRs... (followed by a table of interest rates) 4. If you repay the full new balance shown... we will not charge you interest... 5. There is a minimum interest charge of 50p... There's also a "Your right to cancel" box. There's no date and no signature boxes, let alone signatures. And nothing that says the agreement is approved by anyone at Natwest (as it was then). Second document is a single page photocopy with paragraphs similar to those on the first document. The interest rates are the same, but it still only runs to 7 paragraphs - it looks like the first page of a set of T&C. Third document is an A4 copy of a tri-fold set of T&C's. Interestingly, its first page is similar to document 2, but whereas document 2 ends the page at paragraph 7, page 1 of document 3 ends its first page at paragrah 5. The full copy of T&Cs have no date, but the last page bears a reference "1/03TCNW-1". Document 4 is a current, original, copy of T&Cs in tri-fold format. Their reference is "NW TC1 05/11" Document 5 is a regenerated copy of a letter that would have accompanied a replacement credit card. It bears my current surname and current address, the card number & credit limit but is undated. It says that the account was first opened in February 2003 (which would tie in with the address in document 1). Document 6 is a copy of a credit card statement dated 21/09/11 but bearing my last address before this one (I moved to my current address in August 2010). Document 5 & 6 are very contradictory: if at 21/09/11 they did not have my current address, how would they have been able to deliver a replacement card? There has certainly not been a replacement card since 21/09/11 and they would not have issued one if the account was in dispute, would they? Their letter says that if I want an account breakdown, to contact them & they would tell me how much they would charge. That's the package. So has RBS complied in full with my CCA request? I would be grateful for comment, opinions and advice on the next steps. Thanks CAGgers. Dave

Hi..I wonder if anyone can give me some advice. I am a single gay male who has been claiming Working Tax Credits since 2009.Currently and throughout the period,I am in shared accommodation.When my claim was first awarded,I was living in a shared house with 5 others.This had to close down and as I could not afford my own place it was suggested that I could maybe flat share with someone and share bills.Several of us looked into it and I decided to move into the cheapest form of accommodation available,a 1 bedroom place(2 beds are way out of my budget) that could be used as two bedsits.ie the living area now becomes a bedroom.Many people I know are doing this as it is cheaper than a larger house share which also asks for a share of bills. I informed the TC office that I had moved(which I have always done)and all was fine until last week I received a letter from the Tax Compliance Office asking for details of my Self-Employment.I sent these off and got a letter back stating they were satisfied with the documents etc which were returned.Now I have recieved another letter saying that I will need to phone them to discuss 'Household,work and income details'.As I have already given the work and income details this must refer to 'household'. As far as I am concerned my circumstances have not changed.I still have my own room,am single and in a flat-share as opposed to a house share.The other occupier is a woman(who was also in the house share) so my concern is that they may suggest we are a 'couple' of some sort even though we have completely seperate lives having only the share of bills/rent in common. I read somewhere that you should not speak to these people before seeking legal advice.Before I do-even though I dont feel I have anything to hide,has anyone any advice?I may be worrying for nothing but Im concerned.