Pinot's Potty debt free journey!!!

brizzledfw

Mighty fine treat indeed:rotfl:

Have a good one. DD1 is off for the weekend and DD2 and friends are watching a Barbie movie whilst OH and I catch up on the White Queen with some SB! Bliss!

PinotGrigio41

brizzledfw wrote: »

Mighty fine treat indeed:rotfl:

Have a good one. DD1 is off for the weekend and DD2 and friends are watching a Barbie movie whilst OH and I catch up on the White Queen with some SB! Bliss!

I love the Barbie movies, Rapunzel, The Nutcracker all of them ! The girls and I have decided its been so long since we watched them that we are going to make the effort to catch up on their childhood faves again , Princess Diaries being the first of many ! Thoroughly enjoyed it actually !

Hope you had a lovely evening xx

debtfreewannabe321

I love the princess diaries I've also introduced lots of my old favs trying to pass them off as 'new films' that they'll love.... so far they've taken well to the Goonies and Labyrinth i'm still working on a few others

Hope everyone has a good weekend!

Eager_Elephant

PinotGrigio41 wrote: »

This is the letter sent to us by the DCA collecting on behalf of THEM.

If I am honest I am sending letters backwards and forwards to them in an effort to stall them while we try and get the last little bit paid off, so we are still paying THEM directly. We have disputed the amount the DCA say is owed in the meantime and I have also asked THEM for a letter confirming that the account has been passed to CCS before we enter into any agreement or agree to pay CCS instead. I have not received this letter. The latest correspondance from CCS reads as follows:-

Re Amount due to THEM - £5606.49 (£3590 as far as I am concerned !)

With regard to your recent HMRC payment claim, we are unable to refer your query to our client without the following information -

Payment Method
Payment Amount (0000.00)
Payment Date (DD/MM/YYYY)
Ref Number
Period Payment made for
Debit Card Authorisation Code
Cheque no, sort code, account number and date the cheques were cashed.

Please can you provide the information as requested above within 14 days ( letter dated 18 June, I received on the 26th) If you fail to do so we will have no option but to continue with our collection process.

Is this me, but surely if THEY have asked CCS to collect, why are CCS asking me for the reference numbers etc. I am not prepared to provide them with my account details and details of each and every single payment made to THEM. Surely they go back to THEM, and ask them for an update of the amount owing and its as easy as pie. THEY can then hopefully confirm exactly what is outstanding and confirm that we are still paying and we will all be happy ? Or is that too simple ?

Any thoughts much appreciated pleasexx

I know this is daft but how do you know your payments have reached HMRC?

Usually if a creditor sends a debt to a 3rd party to collect they are very good at updating the balance with them.

Obviously HMRC are a very big organisation so they might not have someone checking payments on accounts sent to 3rd parties.

Is there any way you could ring HMRC and just ask for a balance? They won't enter into a conversation about arrangements as they aren't collecting the debt anymore.

If I was going to reply to the letter I would fill in the bits about payment method, dates and amounts and leave it at that.

I am not sure if this is a standard letter or not, usually the companies start off only wanting the info I said to complete and then if they cannot locate it they ask for the sort code and account number.

Not much help sorry!

HappyNow

I've never seen Princess Diaries I will look it up, though I'm a Lion King gal really x

grannyx2

I love the lion king too, especially the theatrical version, my favourite of all time

Sound advice as always from EE

Granny x

PinotGrigio41

Eager_Elephant wrote: »

I know this is daft but how do you know your payments have reached HMRC?

Usually if a creditor sends a debt to a 3rd party to collect they are very good at updating the balance with them.

Obviously HMRC are a very big organisation so they might not have someone checking payments on accounts sent to 3rd parties.

Is there any way you could ring HMRC and just ask for a balance? They won't enter into a conversation about arrangements as they aren't collecting the debt anymore.

If I was going to reply to the letter I would fill in the bits about payment method, dates and amounts and leave it at that.

I am not sure if this is a standard letter or not, usually the companies start off only wanting the info I said to complete and then if they cannot locate it they ask for the sort code and account number.

Not much help sorry!

Thats great EE thankyou so much. Of course its of help !

Yes HMRC definitely have received the payments, I pay them directly from our Business account to HMRC via Faster Payment and last time I checked all monies had gone to them. I will call them again Monday to check on the last couple.

I pay in dribs and drabs so CCS will get a very long list of odd bits of money here and there, but I am really not happy giving them our bank details.

Just a quick question, have you any idea if by this being passed to a DCA it will affect our Companys Credit rating, not bothered about our personal one which is clearly down the pan but the business is pretty good and I wouldn't want that affected by this ?

PinotGrigio41

debtfreewannabe321 wrote: »

I love the princess diaries I've also introduced lots of my old favs trying to pass them off as 'new films' that they'll love.... so far they've taken well to the Goonies and Labyrinth i'm still working on a few others

Hope everyone has a good weekend!

Have you got them to watch BIG with Tom Hanks, my two love that ! I todl them it was a vintage movie ! :rotfl:

PinotGrigio41

Granny and HAppy Now, Lion King is great as well. Infact I love all the kids Disney movies. You dont have to think about anything while you watch them and thats what I love.

I did get a bit fed up with the soundtrack to the Lion King at one point though but i think the girls were in a few dance shows and it was a firm favourite with the dance teachers so we had overkill. Bugsy Malone is now the current overkill !

Eager_Elephant

PinotGrigio41 wrote: »

Thats great EE thankyou so much. Of course its of help !

Yes HMRC definitely have received the payments, I pay them directly from our Business account to HMRC via Faster Payment and last time I checked all monies had gone to them. I will call them again Monday to check on the last couple.

I pay in dribs and drabs so CCS will get a very long list of odd bits of money here and there, but I am really not happy giving them our bank details.

Just a quick question, have you any idea if by this being passed to a DCA it will affect our Companys Credit rating, not bothered about our personal one which is clearly down the pan but the business is pretty good and I wouldn't want that affected by this ?

HMRC don't report to any of the credit report companies so there is no problem with affecting the credit rating.