If calls are being recorded the law requires that the caller must be told at the outset, it's then up to the caller to deicde whether or not to proceed with the conversation. If the caller isn't informed then the recording cannot be used further down the line and it's illegal for any company or an i...

27 years tax experience. Avon is self employment and you need to register with HMRC, do it on-line. Set aside approx 33% of Avon income because you will be required to self assess each year. You'll get basic tax return with supplementary pages for employment incone (teaching salary) and self employm...

Good luck with that one, same Supervisor F&F Jan 2012 told verbally closure period approx 6 months never had it in writing tho!!! Also GT are making clients aware issues with HMRC is causing delays in closing IVA's in the 6 months they originally advised. My own closure date has already been put bac...

One last question.....well for now anyway. According to the bank who refunded my ppi and sent it to the IP, ppi refunds are taxable income. Who is liable to pay any tax due? Other recent blogs are suggesting authority is now extended to IP's making the claim I assume under something akin to Power of...

Hi, Mel is absolutely spot on about VAS in Worthing and as you have a Supervisor handling your financial affairs all you need to do is formally notify HMRC in writing, quote your IVA ref name and address of your IP and if you have details the name of your Supervisor. Send a copy of your letter to yo...

Thans guys all comments welcone. For clarity, i'm not actually bleeting on about not getting my own personal ppi back, i'm just drawing attention to the pitfalls and for the record I asked Gt and their predecessor about claiming ppi in order to put into my IVA, not once but 6 times throughout the te...

Hi Melanie Thanks for the response it helps. Therms of the IVA required 50% of additional monies becoming available yet GT have kept 100% even after a full and final settlement agreement was reached by all parties who were quite happy on the date of signing the new contract. If a legally binding agr...

Can anybody please help?? I was in an IVA that transferred to GT in 2011. I then reached an early full and final settlement in Jan 2012 and paid this immediately. I have now received a lump sum and the bank have sent to GT who initially, actually 3 times told me a refund to me was approved and then ...