consumer forums consumerforums Total Bank Charges Returned : £16595128 to 9717 people. The Consumer Forums  
Bank Charges Refunds Survey | 'Buddy' System | Get an email address | Site Map | Registration Problems | FAQ
CAG Products - We think that these will help you to make your claim or Reclaim your Right

These sales also help us to keep helping YOU and keeps this site free of third party adverts!

Small Claims Kit Small Claims Court Guide
**New Edition**
CallBurner - Skype
CallRecorder Review
Last Will & Testament Kit Fight a Motoring Ticket
 
Alternatively you could purchase a CAG email address here, or maybe you'd prefer our address labels here


UPDATE: Consumer Forums ConsumerWiki is now LIVE - click here: ConsumerWiki

N.B. Please note - due to postage costs these products are only available in the U.K.



Consumer Action Group envelope labels
You are part of a community of over 195,000 people.
Let your bank know that you won't give in.
Display one of our labels on your envelopes.
Full description here
Sheet of 20 self-adhesive envelope labels
£3.50 inc p&p





Reclaim the Right!
The Lawpack Small Claims Kit contains everything you need to get your bank charges refund. Sample forms, Instruction manual, template forms and an entire set of court forms in .PDF format on CDRom.

Just type in the details of your claim and print them out.


Reclaim the Right!


Sue your bank as often as you like with one Lawpack!!

With a Lawpack and Patricia Pearl’s book on Small Claims, you have everything you need to get your unfair bank charges refunded or assert other consumer rights.
(England & Wales only)

CAG Forum Users Price £11.99
(click image to buy)
Plus £1 P&P



Reclaim the Right!


New Edition
Small Claims Procedure by Judge Patricia Pearl
An excellent guide for the layperson
Not for use in Scotland
Read BF's Review Here




Stand up to Telephone Harassment

If you use Skype -
Record your phone calls with CallBurner
It's Hot!

Click below to download your
14 day trial copy
CallBurner
Skype CallRecorder download


Read the
Explanation and review here
£31.96 - includes 20% CAG discount
(normally £39.95)

We've managed to negotiate a discount for CAG Users on DIY 'Willpacks'


Click on the image to purchase a Wills kit - £12.99 + £1.00 pp

Remember...you can't take your reclaimed bank charges with you ;-)



Do your Internet search here



Reclaim the Right Ltd. - reg.05783665 in the UK
reg. office:- 923 Finchley Road London NW11 7PE
Do your Internet search here:-

  CAG Announcements
 
Welcome Guest
Please register
Registration is free
There are no charges for using any of the facilities of this website.
If this is your first visit, be sure to check out the FAQ. You will have to register before you can post. To start viewing messages, select the forum that you want to visit from the selection below.
You will also have to register to access our template letters and claims forms
registration is free
Are you being threatened over debts more than 6 years old?
This may be unfair
See our new Unfair Trading Guide
Bought an extended warranty?
Not satisfied?
The warranty may be an example of unfair trading
See our new Unfair Trading Guide
Have you been defaulted?
Would you like to clean up your credit file?
Check it out
Are you a victim of unfair trading?
Check it out
The Consumer Protection from Unfair Trading Regs 2008
Have you been defaulted?
Would you like to clean up your credit file?
Check it out
 
Bank Action Group Debt Action Group
 

Go Back   The Consumer Forums > The Consumer Forums
The Consumer Action Group
> Local Authority, Council Tax and Business Rates Issues

Local Authority, Council Tax and Business Rates Issues This is the place to discuss Local Authority dispute, including issues around Council Tax Banding, Business Rates, Planning etc. NB: DO NOT USE THIS FORUM FOR COUNCIL TAX BENEFIT OR DEBT ISSUES - you will get more support in the other relevant forums.


Welcome to The Consumer Action Group

and
The Bank Action Group


Before beginning to claim your bank charges be sure to read the FAQ by clicking the link above. Read it carefully and also read as much of the forum material as you can manage before you start claiming your bank charges refund. You will have to register before you can post or view the materials which may assist you in reclaiming your penalty charges: click the register link above to proceed. To start viewing messages, select the forum that you want to visit from the selection below. Understand what you are doing and you will be able to Reclaim the Right more effectively.

Why don't you come and introduce yourself in the Welcome section at the top of the forum. Then have a look around the rest of it.
Do not post or start claiming until you have read the entire FAQ section and step by step guides and you have a good basic idea of what to do and of the layout of the forum.
Good luck claiming your bank charges.
We strongly suggest that you register under a UserID and not your own name

Reply
 
LinkBack Thread Tools
Old 4th August 2008, 21:12   #1 (permalink)
Bilgeman
Classic Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Apr 2006
Posts: 321
Bilgeman Novitiate
Default Summons Despite Offer Of Payment

Briefly, my son missed some Council Tax payments but didn't realise (no need to bore you with details). Upshot was the first he heard of it was a demand for the full amount (700 quid for the remaining balance for the year). He wrote with an offer of settlement which would have amounted to exactly what he would have been paying monthly (and probably what a court would order him to pay anyway?) but they have ignored this and today he received a summons. Is a court going to be happy with the Council's attitude? What to do???

Thanks, anyone...
Bilgeman is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 5th August 2008, 09:41   #2 (permalink)
Conniff
Platinum Account Customer
 
Conniff's Avatar
Default Re: Summons Despite Offer Of Payment

The court summons will be for a liabily order, which is just to prove that he is liable.
The judge in liability cases cannot take into account the ability to pay or any reason why, he can only decide if your son is liable for the council tax or not.

There is absolutely no reason to go to the court for this as nothing your son could say can stop the liability order unless he can show that he is not liable.

Liabilty orders are done hundreds at a time and the court does not even look at the names on the list, he just rubber stamps the bottom.

Your son will get the liability result from his council and will then be able to make the council an offer of payment. They will more than likely divide the remaining £700 + fee, by the six month left of the concil tax year and that is what he will pay.

This will not affect his credit rating at all and is not recorded with any credit reference agencies.

So in summary, wait until the liability order is returned from the court and then give the council a ring. He MUST do this by the date shown or it will be handed to bailiffs to collect and I'm sure he does not want that to happen.

Last edited by Conniff; 5th August 2008 at 09:51.
Conniff is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 5th August 2008, 10:03   #3 (permalink)
Bilgeman
Classic Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Apr 2006
Posts: 321
Bilgeman Novitiate
Default Re: Summons Despite Offer Of Payment

Thanks for that. I'm going to ring them today anyway (the council) to ask them why they didn't respond to his offer of payment. I expect to wait most of the morning to be connected and then to be told they can't speak to me without his permission becuase of the Data Protection Act or the fact that I wear different coloured socks to him.
Bilgeman is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 5th August 2008, 10:15   #4 (permalink)
Conniff
Platinum Account Customer
 
Conniff's Avatar
Default Re: Summons Despite Offer Of Payment

You will be wasting the cost of a phone call if you do, they have guidelines that they stick to rigidly and you will not get a reply except that he should have rung them when he got the reminder.

This whole liability order rubbish is just a moneymaking scam and for no other reason. Did you know that last year, the councils in England made £200million in fees from getting liability orders?

Just a few years ago, liability orders were unheard of except in a very very few instances, then along came New Labour.

They are probably the only finance department in the whole world that 'want' people to default on their payments.

Last edited by Conniff; 5th August 2008 at 10:29.
Conniff is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 5th August 2008, 10:25   #5 (permalink)
Bilgeman
Classic Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Apr 2006
Posts: 321
Bilgeman Novitiate
Default Re: Summons Despite Offer Of Payment

Hmm! Yes. I think what we'll do is wait until the very last minute and pay the lot off, even if I have to use a credit card. At least that way the scumbags won't get the 50 quid 'charge'
Bilgeman is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 5th August 2008, 10:59   #6 (permalink)
Conniff
Platinum Account Customer
 
Conniff's Avatar
Default Re: Summons Despite Offer Of Payment

Quote:
Originally Posted by Bilgeman View Post
Hmm! Yes. I think what we'll do is wait until the very last minute and pay the lot off, even if I have to use a credit card. At least that way the scumbags won't get the 50 quid 'charge'
Sorry to disappoint but the charge is the first thing they take, you cannot get out of that. If you paid £700, that will first be the fee and then the ct leaving £50 council tax still to be paid.
Conniff is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 5th August 2008, 14:16   #7 (permalink)
Bilgeman
Classic Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Apr 2006
Posts: 321
Bilgeman Novitiate
Default Re: Summons Despite Offer Of Payment

Bah!! Thought as much. Wouldn't it be a shame if I tripped over their carpet whilst going to pay....
Bilgeman is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 5th August 2008, 16:33   #8 (permalink)
CONTRACTUALLY
Basic Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Aug 2008
Posts: 3
CONTRACTUALLY Novitiate
Default Please Help Advise On N245

I was issued with a Statutory Demand and made an application to have the SD set aside. The SD was dismissed and I was ordered to pay costs of GBP975.00. I have since the hearing paid the debt issued on the SD , which now leaves the Costs which I was ordered to pay.
I understand that I can apply to the Court for an instalment plan (FORM N245). Will this protect me from the Claimant serving another SD. The Order was made 7 days ago and I have a further 7 days to pay the Claimant before enforcement of Order.
CONTRACTUALLY is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 5th August 2008, 16:34   #9 (permalink)
CONTRACTUALLY
Basic Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Aug 2008
Posts: 3
CONTRACTUALLY Novitiate
Default Please Help

I was issued with a Statutory Demand and made an application to have the SD set aside. The SD was dismissed and I was ordered to pay costs of GBP975.00. I have since the hearing paid the debt issued on the SD , which now leaves the Costs which I was ordered to pay.
I understand that I can apply to the Court for an instalment plan (FORM N245). Will this protect me from the Claimant serving another SD. The Order was made 7 days ago and I have a further 7 days to pay the Claimant before enforcement of Order.
CONTRACTUALLY is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 6th August 2008, 01:41   #10 (permalink)
Conniff
Platinum Account Customer
 
Conniff's Avatar
Default Re: Summons Despite Offer Of Payment

As you only have 7 days to go C you should contact the claimant first and see if they are willing to accept instalments. Because of the time restraint you would be best ringing them so this will still leave you time to ask the court if the claimant refuses.
Conniff is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Reply



Thread Tools


Similar Threads
Thread Thread Starter The Consumer Forums Replies Last Post
Summons for Magistrates Court - non payment of fixed penalty - please help!! boo304 General Consumer Issues 11 31st July 2008 16:18
Summons for non payment of Council Tax bazaar Local Authority, Council Tax and Business Rates Issues 7 7th July 2008 17:21
Offer Of Payment teleman2 General Debt Issues 5 28th June 2008 00:03
summons served but only partial payment. conchy_joe Barclays Bank 16 20th June 2007 19:15
summary cause summons issued 26/10/06, received goodwill offer 9/11/06? detones Royal Bank of Scotland 3 14th November 2006 21:38




Do your Internet search here:

The Consumer Action Group and The Bank Action Group are registered trademarks
Reclaim the Right Ltd. - reg.05783665 in the UK reg. office:- 923 Finchley Road, London, NW11 7PE

Search Engine Friendly URLs by vBSEO 3.0.0 RC6 © 2006, Crawlability, Inc.