If you have been the victim of a mugging or burglary and personal identification documents have been stolen, there is a risk that they could be used fraudulently by the thief to obtain credit or other products and services in your name. For an annual administration fee of £12 + VAT CIFAS offers a service to protect your name and personal details from being misused in this way.
You can also contact any one of the three credit reference agencies and receive assistance in resolving credit report related problems caused by identity fraud.
Callcredit
Email: vof@callcreditgroup.com
Phone: 0870 060 1414
Experian
Email: consumer.helpservice@uk.experian.com
Phone: 0844 481 8000
Equifax
Phone: 0800 121 4752
You will receive the following assistance from them all:
•Advice about how to protect from further identity compromise and any other relevant steps you should take e.g. adding a password to credit information to be requested by lenders should they receive any further credit report applications in your name.
•Credit report related issues will be case managed and you have the option to contact any of the three credit reference agencies by telephone number, e-mail or in writing.
•The credit reference agencies will contact lenders on your behalf where fraudulent applications have been made or fraudulent credit accounts opened in order to restore your credit history to its former state.
•The credit reference agencies will keep you informed about progress and advise you of amendments to your credit report.
Wednesday, April 13, 2011
Safeguarding your personal details
What is Identity theft?
Your identity and personal information are valuable. Criminals can find out your personal details and use them to open bank accounts and get credit cards, loans, state benefits and documents such as passports and driving licenses in your name.
Unfortunately, due to nature of identity fraud, often it's not possible to say how fraudsters got hold of your personal records, as they can use variety of methods. However, thjere may be things you can do to identify any other misuse and prevent it happening again. You can get more information and advice from:
Your identity and personal information are valuable. Criminals can find out your personal details and use them to open bank accounts and get credit cards, loans, state benefits and documents such as passports and driving licenses in your name.
Unfortunately, due to nature of identity fraud, often it's not possible to say how fraudsters got hold of your personal records, as they can use variety of methods. However, thjere may be things you can do to identify any other misuse and prevent it happening again. You can get more information and advice from:
- Home Office website http://www.identitytheft.org.uk/
- Credit Industry Fraud Avoidance System (CIFAS), the UK's fraud prevention service, website http://www.cifas.org.uk/
CIFAS also provides a Protective Registration Service to help people to protect their details from being misused.
Tuesday, April 12, 2011
If you have paid too much tax
R38 - Tax Claim
If you have paid too much tax under PAYE scheme and want to claim back the overpayment, use form R38. You can also use this form to authorise a representative to receive the payment on your behalf. Trust customers should use form R38(SA)
source: http://search2.hmrc.gov.uk/kb5/hmrc/forms/view.page?formid=816&record=wHfrcAhYKW4
If you have paid too much tax under PAYE scheme and want to claim back the overpayment, use form R38. You can also use this form to authorise a representative to receive the payment on your behalf. Trust customers should use form R38(SA)
source: http://search2.hmrc.gov.uk/kb5/hmrc/forms/view.page?formid=816&record=wHfrcAhYKW4
Monday, April 11, 2011
How to pay VAT
There are several ways to pay VAT liability. Bank transfer (CHAPS) is one of the most convenient.
Please follow instructions: To pay your VAT by CHAPS transfer you will need HMRC's bank account details.
Please take care if you need to enter HMRC bank account details. If you make a mistake with the sort code or account number there may be a delay before your record is credited or your payment may not be received at all.
HMRC's bank account details
Sort code: 08 32 00
Account number: 11963155
Account name: HMRC VAT
Address of the bank: Citi, Citgroup Centre, Canada Square, Canary Wharf, London E14 5LB.
You must give your VAT registration number as the reference number which is made up of nine digits. When you receive correspondence from HMRC the number will be shown in the format 123 4567 89 but when making payment it is important that you show the number with no gaps between the characters, for example 123456789, otherwise there could be a delay in updating your record.
For more ways to pay please see HMRC website.
Please follow instructions: To pay your VAT by CHAPS transfer you will need HMRC's bank account details.
Please take care if you need to enter HMRC bank account details. If you make a mistake with the sort code or account number there may be a delay before your record is credited or your payment may not be received at all.
HMRC's bank account details
Sort code: 08 32 00
Account number: 11963155
Account name: HMRC VAT
Address of the bank: Citi, Citgroup Centre, Canada Square, Canary Wharf, London E14 5LB.
You must give your VAT registration number as the reference number which is made up of nine digits. When you receive correspondence from HMRC the number will be shown in the format 123 4567 89 but when making payment it is important that you show the number with no gaps between the characters, for example 123456789, otherwise there could be a delay in updating your record.
For more ways to pay please see HMRC website.
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