Article02.htmlMany people in the UK, in fact as many as one in three UK taxpayers have paid too much tax!
Greer & Taylor LLP a respected and trusted accountancy service provider has just launched a new website
The Taxation People which can be found at www.thetaxationpeople.com the new online tax refund service is dedicated to getting the maximum legal tax refunds for indviduals whatever the circumstances on a `No Win No Fee` basis
The Taxation People offer a online service, with a simple and easy to follow process that will guide you along the way as you get the refund you are entitled to. In the `my account` section of their site you can track the progress of your refund application and ask questions using a secure service.
I would urge you to check out www.thetaxationpeople.com, where you can enlist the help of the
The Taxation People who will get you the Tax Refund you are entitled to.
Greer & Taylor LLP will be following up the success of their Tax Refund service
The Taxation People by launching a cost effective Self Assesment Service, keep an eye on www.greer-taylor.com for more information.
Homeowner LoansAnother bill has just landed through the letterbox and your still haven`t paid the monthly direct debt to the utility firm. You`ll have to sort out funds for your credit cards next week and then there are the catalogue payments to make. It`s the same story each and every month where you struggle to keep on top of your regular payments. Having taken out dribs and drabs of loads over the last few years you now have to pay a number of companies back. What if you could amalgamate all of your loans into one fixed monthly payment? Suppose you could reduce the amount that you pay each month by spreading the payments over a longer period of time. Look into the various
Homeowner Loansthat are available at the moment and you could end up paying less in repayments each and every month. Price comparison sites are the places to look if you want one of the
Homeowner Loans. They`ll scour the marketplace searching for
Homeowner Loansthat will suit your individual needs. Combine all of your debts into one slightly larger loan amount and you should have more money each month that can be put away for a rainy day.
If you have ever fallen behind on your debts you already know
that dealing with your creditors can be a hassle. Sometimes
it can be downright humiliating. It doesn`t have to be that
way.
With millions of people experiencing financial problems it
is absolutely necessary for everyone to know and understand
their rights as a consumer.
Federal law requires that you receive fair and equal treatment
from businesses issuing credit. This law applies when they
evaluate your applications for credit, insurance, employment,
and even leases.
The one area where I receive the most complaints are from
individuals that are being harassed by debt collectors. These
complaints range from debt collectors contacting their work and
family members to being called names. All of these are a direct
violation of the Fair Debt Collection Practices Act (FDCPA).
This article spells out exactly what your rights are as a consumer.
I have copied some areas of this article directly from the
Federal Trade Commission`s web site to ensure that the
information is explained exactly as the law applies. These
areas are identified.
The FDCPA lists the following guidelines that must be followed
by all debt collectors:
(Copied from the Federal Trade Commission web site)
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~~Debt collectors may contact you only between 8 a.m. and 9 p.m.
~~Debt collectors may not contact you at work if they know your
employer disapproves.
~~Debt collectors may not harass, oppress, or abuse you.
~~Debt collectors may not lie when collecting debts, such as
falsely implying that you have committed a crime.
~~Debt collectors must identify themselves to you on the phone.
~~Debt collectors must stop contacting you if you ask them to in
writing.
It also prohibits debt collectors from engaging in unfair,
deceptive, or abusive practices while collecting these debts.
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It is very important to keep a record of any contact you make
with your creditors especially when there is a dispute or
misunderstanding regarding your account. You should list the
name and address of the company, date and time of the call, the
name of the person you spoke with and the content of the call.
I have developed a form that can be used for this purpose. You
can find it at http://www.homemoneyhelp.com/ccrs.html
Another important aspect of your consumer rights is Credit
Reporting. Derogatory information in your Credit Report can
have serious consequences. It is ultimately your responsibility
to ensure that the information in your credit report is accurate
and up to date.
There are numerous companies that offer "Free Credit Reports",
however, you are obligated to sign up for their "Debt Monitoring
Service" which usually costs about $80. You will receive a free
credit report and if you cancel your monitoring service within
30 days it will cost you nothing. Your best bet is to order your
credit report directly from a Credit Reporting Agency. It will
only cost you about $9. Below is a list of the three main
companies:
Equifax
PO Box 740241
Atlanta, GA 03074-0241
(800) 685-1111
Experian
PO Box 2104
Allen, TX 75013-2104
(888) EXPERIAN (888-397-3742)
Trans Union
PO Box 1000
Chester, PA 19022
(800) 916-8800
I would advise you to visit the below link to find out exactly
how to obtain your credit report:
http://www.pueblo.gsa.gov/cic_text/money/fair-credit/fair-crd.htm
Having knowledge of your rights under the Fair Credit Reporting
Act (FCRA)can save you a lot of time and trouble when you apply
for credit. The following explains these rights.
(Copied from the Federal Trade Commission web site)
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Your Credit Report
Your credit payment history is recorded in a file or report.
These files or reports are maintained and sold by "consumer
reporting agencies" (CRAs). One type of CRA is commonly known
as a credit bureau. You have a credit record on file at a credit
bureau if you have ever applied for a credit or charge account,
a personal loan, insurance, or a job. Your credit record
contains information about your income, debts, and credit
payment history. It also indicates whether you have been sued,
arrested, or have filed for bankruptcy.
The Fair Credit Reporting Act (FCRA) is designed to help ensure
that CRAs furnish correct and complete information to businesses
to use when evaluating your application.
Your rights under the Fair Credit Reporting Act:
~~You have the right to receive a copy of your credit report. The
copy of your report must contain all of the information in your
file at the time of your request.
~~You have the right to know the name of anyone who received
your credit report in the last ~~year for most purposes or in
the last two years for employment purposes.
~~Any company that denies your application must supply the
name and address of the CRA they contacted, provided the denial
was based on information given by the CRA.
~~You have the right to a free copy of your credit report when
your application is denied because of information supplied by
the CRA. Your request must be made within 60 days of receiving
your denial notice.
~~If you contest the completeness or accuracy of information in
your report, you should file a dispute with the CRA and with the
company that furnished the information to the CRA. Both the CRA
and the furnisher of information are legally obligated to
reinvestigate your dispute.
~~You have a right to add a summary explanation to your credit
report if your dispute is not resolved to your satisfaction.
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If you believe that your rights have been violated under one of
these laws you can file a complaint with the Federal Trade
Commission online at:
https://rn.ftc.gov/pls/dod/wsolcq$.startup?Z_ORG_CODE=PU01
While these laws won`t eliminate your obligation to pay your
just debts they can prevent debt collectors and others from
taking advantage of you.
