We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Bonsibabe's Bumblings!

1235718

Comments

  • Haha letters!

    Im up to Fos now, they all say NO - at first....
    Trying to shift that debt!
  • bonsibabe
    bonsibabe Posts: 1,055 Forumite
    mmm this pear cider is rather lush!!!!! :beer: to my lovely friends on here ... bliss here I come:rotfl:

    okay here goes with the millions of letters :D
    LBM - August 2008 - Debts then - £33390 :eek:- 2nd LBM - November 2009 - Debts then - £18500:mad:
    Current debt levels: OD £3860, Loan 1 £6091, Loan 2 £5052, Parents £260, Total £16133 :eek: As at 01 May 2012 - 51.69% paid off :j
    Aiming for a No Spend Christmas 2012!
  • bonsibabe
    bonsibabe Posts: 1,055 Forumite
    I write to you to complain about the treatment I have received from the Tax Credit Office.

    I wrote previously several years ago to complain about the fact that I was stuck with “overpayments” of tax credits. After much correspondence I was informed that all the “overpayments” were to be completely written off and I was supposed to receive a paltry amount of compensation for the inconvenience.

    I received absolutely nothing.

    I have been on the telephone today to enquire as to why my weekly tax credits payment had been cut by £43.13 a week as I had been checking my bank statement. I was told that it was done in order to recover overpayments of around £130!

    Why was I not informed of this?

    I was under the impression that all the overpayments had been written off. It was established that I have always informed the TCO of any changes in circumstances in a timeous manner and that any overpayments had been because of official errors as it was established that the Tax Credit Office had not implemented previous changes at the time they were notified.

    Why am I yet again being penalised for the incompetence of others?

    By cutting my tax credits you have left me almost £200 a month worse off. I am not on a high wage. I am the only wage earner in my family and you think that it is okay to cut £200 from that money. I have now been left seriously short for paying bills and paying for petrol in order that I can get to my job and do my work that pays my wages.

    That is something that is not taken into account when calculating tax credits. It costs me £70 a week in fuel costs. I do not get any help with that.

    I am absolutely disgusted that yet again, I find myself having to write a complaint to the Tax Credit Office which will be passed round the departments and will take months to sort out.

    As far as I have been concerned for the last 5 years I have had NO overpayments on my tax credits account. I have had NO compensation for the inconvenience your department has caused me in the past and is further causing me now.

    I would appreciate it if you could arrange for a full refund of all monies taken from my tax credits payments. I would also like a full written apology for all the inconvenience that your department has caused me in the past and now again.

    I would also appreciate it if you could arrange for the compensation I was promised to be paid to me, as well as compensation for the financial and emotional stress caused by this second round of incompetence by the Tax Credits Office.

    Does your department realise the stress that it has caused to me and my family? Probably not.

    I would appreciate it if you could answer this letter as quickly as possible.

    Yours sincerely
    LBM - August 2008 - Debts then - £33390 :eek:- 2nd LBM - November 2009 - Debts then - £18500:mad:
    Current debt levels: OD £3860, Loan 1 £6091, Loan 2 £5052, Parents £260, Total £16133 :eek: As at 01 May 2012 - 51.69% paid off :j
    Aiming for a No Spend Christmas 2012!
  • gargrave50
    gargrave50 Posts: 3,011 Forumite
    Good luck with the letters............I know a few people who are pretty good at witty letter writing ;).
    LBM 30/6/9 Unsecured debts [STRIKE]£25,323.48[/STRIKE] £0 :T Debt free
    Left for life Down Under 4th August 2012 - living frugally and have learned my lessons :j:j:j:j
  • bonsibabe
    bonsibabe Posts: 1,055 Forumite
    On 15 March 2011, I sent you the enclosed letter. I received an acknowledgement shortly after.

    I have yet to receive any response to the letter.

    I am thoroughly disgusted and am considering contacting my Member of Parliament as this treatment is thoroughly unacceptable.

    I would appreciate a response to my letter within the next week to ten days.

    If I do not receive a response, I will have no option left to me and will have to contact my MP.

    Yours sincerely
    LBM - August 2008 - Debts then - £33390 :eek:- 2nd LBM - November 2009 - Debts then - £18500:mad:
    Current debt levels: OD £3860, Loan 1 £6091, Loan 2 £5052, Parents £260, Total £16133 :eek: As at 01 May 2012 - 51.69% paid off :j
    Aiming for a No Spend Christmas 2012!
  • bonsibabe
    bonsibabe Posts: 1,055 Forumite
    I have used the standard letter templates that are found on here and sent them today to Equifax, Experian and Callcredit for my credit files:T
    LBM - August 2008 - Debts then - £33390 :eek:- 2nd LBM - November 2009 - Debts then - £18500:mad:
    Current debt levels: OD £3860, Loan 1 £6091, Loan 2 £5052, Parents £260, Total £16133 :eek: As at 01 May 2012 - 51.69% paid off :j
    Aiming for a No Spend Christmas 2012!
  • bonsibabe
    bonsibabe Posts: 1,055 Forumite
    OK so I havent posted in a couple of day (feeling pretty guilty for some strange reason);) Bet you have all been missing me:rotfl:

    Letters are off ... waiting patiently for the postie :cool: but no news is good news lol

    So today was supposed to be a clear the house day but nothing got done!!!! FOH spent most of the day in his pit after a sesh with his mates:mad: then went to the wrong supermarket!!!!! Was supposed to go to morrisons and went to the co-op:mad: So I have to go to morrisons tomorrow to try and get a £40 shop! A$$hole:mad::mad::mad::mad:

    But he has HIS car and it is sooooo tidy ... left mine looking like a right !!!!!-tip so have to gut that tomorrow as well as laundry mountain (OH cant climb obviously:mad:) and sort the girls' rooms out as they look like bagdad on a good day:eek:

    Oh well onward and upward ... just wish i could get a job that was closer to home and didnt cost so much in petrol!!!!!
    LBM - August 2008 - Debts then - £33390 :eek:- 2nd LBM - November 2009 - Debts then - £18500:mad:
    Current debt levels: OD £3860, Loan 1 £6091, Loan 2 £5052, Parents £260, Total £16133 :eek: As at 01 May 2012 - 51.69% paid off :j
    Aiming for a No Spend Christmas 2012!
  • Hello ladies,
    First time reader of your thread - great efforts so keep it up! Im forces too, and not only in a similar position, but have a lot of guys in my unit who I look after in a similar boat.

    Just be a little careful when "purging" kit whilst your fellas are deployed. All issued kit remains the property of the Crown whilst a soldier is still serving. If it is discovered that his kit is being sold then he/they can face disciplinary action.

    Keep up the tremendous efforts!

    D_S
  • Hiya Bonsibabe,

    Have just found your thread, you are doing so well!:T

    I know exactly what you mean about OH's!!! mines no different!

    Chin up, you will get there.

    JC x
    LBM: April 2009 - honest debt figure: Secured: £0.00!! (paid back april 2017) unsecured: £53117.48 (roughly):eek: back with CCCS starting again:(
  • bonsibabe
    bonsibabe Posts: 1,055 Forumite
    Welcome to the madness Devon Sailor!!! :beer:I'm okay as OH is no longer serving ... seems we must have kept all the surplus kit for this moment lol. He went to hand it all in (filled the back of a zafira!) and came home with about half of it as he had bought so much over the years! Am looking forward to getting rid of it all!:j

    Welcome also to you jasperconran :beer:(love the name btw) and thank you for your kindness:D! I'm just plodding along and hoping that one day I'll be in a position to buy the house we currently live in.

    I would have to say that I have been totally inspired by my new friends Skint But Optimistic and Gargrave ... their diaries have helped me immensely over the last few weeks.

    I started my own diary on here to push me into getting things sorted out. I really needed a kick up the backside as all I was doing was paying the minimum on the debts and just trying to keep our heads above water.

    Now, I am determined to get back everything I am due, sell anything we no longer need (and isnt nailed down :rotfl:) and try to get us debt-free as quickly as possible. Then the fun will start, trying to save up for a healthy deposit on this place.

    Anyhow onward and upward to us all! I have to sort this place out and so will get my a$$ in gear ... shopping and laundry and general clearing up is desperately needed.

    Laters!:beer:
    LBM - August 2008 - Debts then - £33390 :eek:- 2nd LBM - November 2009 - Debts then - £18500:mad:
    Current debt levels: OD £3860, Loan 1 £6091, Loan 2 £5052, Parents £260, Total £16133 :eek: As at 01 May 2012 - 51.69% paid off :j
    Aiming for a No Spend Christmas 2012!
This discussion has been closed.
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 352.1K Banking & Borrowing
  • 253.6K Reduce Debt & Boost Income
  • 454.2K Spending & Discounts
  • 245.1K Work, Benefits & Business
  • 600.7K Mortgages, Homes & Bills
  • 177.5K Life & Family
  • 258.9K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.1K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.