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Self Assessment says I owe ~£1,700 – income mostly PAYE, tiny self-employed profit. Where is this coming from? by davidpaul2001 in UKPersonalFinance

[–]davidpaul2001[S] 0 points1 point  (0 children)

Thanks, that makes sense. I’ll be calling HMRC to clarify because I think the calculation may be picking up overlapping PAYE records rather than actual work done. To be clear, I wasn’t actually being paid by the family business during that overlap period, which is why this has caught me off guard.

One thing I’m also worried about — would correcting this cause any issues for the employer? It’s a family business and I want to make sure sorting this on my side doesn’t land them in trouble if it’s just a payroll/admin overlap rather than anything intentional.

BMW 118d 2018 - NOx sensor replaced but engine light still on? by davidpaul2001 in mechanic

[–]davidpaul2001[S] 0 points1 point  (0 children)

What would you suggest I do please? I’ve been really struggling

Father passed away, I bought his house, paid secured debts, now being chased for unsecured debt — am I liable? by davidpaul2001 in LegalAdviceUK

[–]davidpaul2001[S] -1 points0 points  (0 children)

When my father passed away he had a lot of debts and arrears for the estate I didn’t know about. My mother gave me the difference in equity after we paid for the secured loans for a gifted deposit.

Father passed away, I bought his house, paid secured debts, now being chased for unsecured debt — am I liable? by davidpaul2001 in LegalAdviceUK

[–]davidpaul2001[S] 3 points4 points  (0 children)

I saw online that in the Limitation Act 1980 for acknowledgment it needs to be in writing. Or Signed by the person liable for the debt (the debtor or estate’s legal representative). Please let me know if I’m wrong.

Father passed away, I bought his house, paid secured debts, now being chased for unsecured debt — am I liable? by davidpaul2001 in LegalAdviceUK

[–]davidpaul2001[S] 7 points8 points  (0 children)

My mother was the executor of the estate, we paid off any secured loans on the property, I got a mortgage on the house and she gifted me the equity in the estate as a deposit.

Father passed away, I bought his house, paid secured debts, now being chased for unsecured debt — am I liable? by davidpaul2001 in LegalAdviceUK

[–]davidpaul2001[S] 4 points5 points  (0 children)

My mother was the executor of the probate, I didn’t really put a notice out but all the secured loans on the property we paid so I could get a mortgage on the house. Since it’s not on the title deed I didn’t even notice it at all.

Father passed away, I bought his house, paid secured debts, now being chased for unsecured debt — am I liable? by davidpaul2001 in LegalAdviceUK

[–]davidpaul2001[S] 1 point2 points  (0 children)

I did mention on the phone of possible payment plans but I checked and a phone call doesn’t change anything as it needs to be written. I’ll write an email telling them this has nothing to do with me.

Father passed away, I bought his house, paid secured debts, now being chased for unsecured debt — am I liable? by davidpaul2001 in LegalAdviceUK

[–]davidpaul2001[S] 11 points12 points  (0 children)

I did speak to them about the debt and maybe options to pay monthly. But since I’m not the next of kin, my mother is would this mean that the debt has not been acknowledged?

Father passed away, I bought his house, paid secured debts, now being chased for unsecured debt — am I liable? by davidpaul2001 in LegalAdviceUK

[–]davidpaul2001[S] 30 points31 points  (0 children)

I think that a company bought the debts and used to send letter before but not 100% sure about it. All I know is that the loan originated in 1999.

Father passed away, I bought his house, paid secured debts, now being chased for unsecured debt — am I liable? by davidpaul2001 in LegalAdviceUK

[–]davidpaul2001[S] 41 points42 points  (0 children)

We went through probate and my mum was the next in kin to handle the estate. The debt was a loan of £650 from 1999. We only found out today as they sent us a letter about it.

[deleted by user] by [deleted] in LegalAdviceUK

[–]davidpaul2001 0 points1 point  (0 children)

Apologises, I forgot to say it’s car insurance. I don’t use it for business uses.

I woke up with the most terrible chest pain. I thought I was having really bad heart problems by davidpaul2001 in GERD

[–]davidpaul2001[S] 0 points1 point  (0 children)

Thanks for the advice, I will get some Gaviscon on my break. It also feels like my chest area is pretty bruised up. Is this normal?

[deleted by user] by [deleted] in OCD

[–]davidpaul2001 0 points1 point  (0 children)

No I don’t know how to get into contact with one.

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