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Moon phases


income expenditure

+3
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income expenditure  Empty income expenditure

Post by projectzoo Thu Dec 13, 2018 5:40 pm

Do you have to give out income expenditure info to a DCA who are collection on behalf on HMRC ?

Many Thanks

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Post by assassin Thu Dec 13, 2018 6:00 pm

No, its your personal information and nothing to do with them unless you consent to it.
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Post by Mrblue2015 Thu Dec 13, 2018 6:03 pm

Just to be sure you’re dealing with a DCA and not a debt purchaser.

If HMRC have now SOLD the debt to a debt purchaser (ie we are not talking about a DCA) then the HMRC are now out of the equation. The ‘dispute’ (NOT ‘complaint’...) is between you and the debt purchaser and no longer HMRC.

If HMRC has not sold the debt, you are therefore dealing with a DCA. As such, HMRC is not out of the equation yet.

(Regardless, Assassin is correct)
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Post by projectzoo Thu Dec 13, 2018 7:06 pm

Ok was told that HMRC will never sell you debt to a debt purchaser ?. The letter was from a DCA that are working on behalf of the HMRC with a income expenditure form asking me to fill it in & send it back. I done this with a CC company, and now pay £1 a month, But was informed this was a bad move as ive owned up to this debt.
Don't want do this again,but don,t want to mess with the Government

Mrblue are u sure that HMRC can sell your debt on?

Many Thanks

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Post by Lopsum Thu Dec 13, 2018 7:21 pm

were not here to tell you what to do . You make your own decisions .
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Post by Mrblue2015 Fri Dec 14, 2018 6:23 am

I never said the HMRC can sell your debt on, I said “If” :-)

The point of my last post was general advice to differentiate between debt purchasers and DCAs.

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Post by Mrblue2015 Fri Dec 14, 2018 6:27 am

Lopsum is also correct. We can’t tell you what to do. But there are template letters and videos on the home page. Read / view them and if you believe in them (most of us do and have and have had success using the letters) then try them.

(Now refer to your other post to continue getting support regarding how to deal with the ‘£1 per month’ people). Smile
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Post by projectzoo Fri Dec 14, 2018 1:09 pm

only asking seems your not 100% sure if HMRC can sell your debt on to a DCA.
If this is true i could wait and Do the £1/mth to the acting DCA then ignore the DCA that buys my debt...lopsom was only asking for advice come across as a bit parrer..Its a lot to take in with many folk giving out advice am looking to know the best and it all helps...

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Post by Lopsum Fri Dec 14, 2018 2:36 pm

why do hmrc say you owe them ?
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Post by projectzoo Fri Dec 14, 2018 11:34 pm

lopsum its a long story with many twist and turns this started at £6k in 2014 and its now down to £905 last call from HMRC...i never payed them anything.
Got letter from acting DCA saying I owe £714 ?? ok well better than £905.
The DCA is acting on behalf of the HMRC

Am just looking for the best way to play this.
i understand banks. credit card Company's and store cards and how to deal with them
But income tax i don't know how to play this,ive asked around and i cant get the answer 100% sure HMRC will sell your debt or wont ?

Done a lot of research on this and believe me you can't get a decent answer to this.
So will ask again Can the HMRC sell your debt on ?

Many Thanks for a reply to this .

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Post by pitano1 Sat Dec 15, 2018 7:03 am

https://www.gov.uk/if-you-dont-pay-your-tax-bill/debt-collection-agencies
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Post by projectzoo Sat Dec 15, 2018 1:49 pm

Thanks for that..the one that now deal with me is on that list ...but its not what am asking....but thanks for posting.

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Post by daveiron Sat Dec 15, 2018 2:56 pm

Hi, regarding your question, assassin answered it. Pitano 1 linked you to what measures they can take .

As far as I am aware they do not sell it on (I stand to be corrected ) why would they bother ,they claim to have all the tools they need to extort it themselves.
From personal experience the only way I have stopped them is conditional acceptance that I will pay upon receipt from them that any payment I make will not be used to cause or facilitate the death or harm of innocent men ,women and children anywhere in the world. Be aware though it was only for a small amount of about £50.00.
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Post by projectzoo Sat Dec 15, 2018 5:21 pm

Hi d
i was told ( advised ) that they don't sell on debt,i just have to make sure this is true.
ok assassin did answer about income expenditure form, i get that
i don't have to fill one in Very Happy
pitano1 did send me a link thanks for that ...this is for in house dca
working for the GOV...i was asking do they ( the gov ) sell that on...just like the banks will do.....can i play the gov ...like you can play banks with the 3-letters

thanks to a reply to this

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Post by waylander62 Sat Dec 15, 2018 6:46 pm

At the end of the day HMRC can do what they like with it, if they want to sell it they will whether it is right wrong or indifferent.

I have never known HMRC to sell on a debt of any size, let alone something that small.

can i ask what difference you think it will make if they sell it or not ?

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Post by Lopsum Sat Dec 15, 2018 7:36 pm

a small amount will be passed on to dca who they "hire" . If it was a large amount they pass to the sheriffs to get a summary warrant , then the bailiffs (not dca) come .
i also read somewhere that debts from a business will be attached to the director name when the business closes , so they will chase (your name) for it .
since it is a relatively small amount and no threat of legal action you get to play with the dca 's , like with council tax . Once you have put all dcas off they pass it back , you could try the a4v route , or negotiations .
They ask you to "pay" something when nobody has the ability to "pay" anything ,  you can only use promissory notes or a4v (this is an offer to settle), if they accept them you could  then write them one . They may just drop it .
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Post by projectzoo Sat Dec 15, 2018 8:16 pm

OK lopsum thanks for your help what is a a4v route :0)

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Post by projectzoo Sat Dec 15, 2018 8:24 pm

waylander62 if hmrc sell the debt on i can deal with that ..no probs and i can sleep at night ( and her ) ....if not can they mess with your income can they come to your door am on UC can they mess with you ?

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Post by Lopsum Sat Dec 15, 2018 10:04 pm

you accept the bill as value (accept for value )and they take it out of your BC trust account . It has been used successfully (allegedly) with some companies for utilities , anyway there are lots more stories of it being ignored .
 But if you were to offer a4v OR promissory notes i would guess that they would chose promissory notes, or drop it . I dont think they can do much else , attachment to earnings if your employed or take it out of your benefits possibly.
 My emphasis was on the word TRY , since its only a small amount and you have a right to negotiate. It would be interesting to find how they respond .
 worst case is a minimum payment or debt relief if you have alot of small debts as with council tax .
I have not done this myself , however i did write in response to a claim of over payment "i can not pay anything back, only use promissory notes " but i think the reason they dropped it was they had made an error and they realised before taking action. I got my claim reinstated .
 you have to weigh up the potential stresses involved , dcas can only do what you let them , stressful none the less , you can negotiate with hmrc and see how they respond . We wouldn't be able to help much more than this , im not advising you use a4v or draw up your own promissory notes , its one thing you could look into yourself, and just as a part of negotiations it cant hurt to try just mentioning it before you accept some other arrangement , whether you intend to follow up on it or not Smile .
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Post by projectzoo Mon Dec 17, 2018 6:45 pm

lopsum many thanks for the time and effort, beginning to get my head around this.One last thing is BC trust account ...birth certificate Surprised

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