Jump to content


  • Tweets

  • Posts

    • OK, all done as requested. Defence left blank for now. Just one small question in relation to the CPR31:14.... Please treat this letter as my request made under CPR 31.14 for the disclosure and the production of a verified and legible copy of [each of the following / the] document(s) mentioned in your Particulars of Claim: and it says * delete if not mentioned in the Particulars of claim. I'm not  sure if I ask for everything or nothing as I can't see any of the list mentioned in the POCs
    • Fund management firm Allan Gray also said giving Nationwide's members a vote on the £2.9 billion buyout would have been 'a much better path'.View the full article
    • A Swiss pressure group says some staff at Shein suppliers are still working excessive overtime.View the full article
    • Let me start by saying I feel tremendous regret, shame and remorse. I have some debt and personal life has fallen apart over the last year which has caused me to be careless. Doesn’t make it okay I know. In a positive way, i will never take anything in life for granted ever again. I want to volunteer and go back to being a good person. I need some advice/reassurance on the below so I can move on better from this experience. A few days ago I was caught at sainsburys, I paid for part of the food (about £5) and didn’t pay for the other (about £8-10) at self checkout. when I got to the exit someone in plain clothes asked to see my receipt and bag and that they worked for mitie. I told him the receipt was in the store bin (true) and he said he followed me round and knows I didn’t pay for all of it. he very sternly but calmly said he just needs my name then I can leave with the shopping. I said i am in a bad day and can’t do this and was on the verge of breaking down. So I handed him the shopping and slowly walked out. No name given (I read elsewhere this is good and makes it unlikely to develop) and I have no way knowing if police contacted. I overthink a lot and I wonder if they can track me via debit card or nectar card on the transaction. I also wonder if they saw me do it last month and have been waiting for me. I know someone who works at their head office and terrified somehow it will get back. I’m also terrified of being recognised in the street.    I don’t know what’s going to happen. I see a lot in the news today about shoplifting 
    • Hi, I’ve just spotted an Arrangement to Pay marker (TransUnion) on my Barclays Mortgage account for 1 month in March 2022. I’ve spoken to Barclays Customer Service and Complaints about this and they’ve given me some background but have closed my complaint: Direct Debit for mortgage bounced in February and I didn’t notice this at the time. Realised there were arrears in March and called customer service straight away. Offered to pay half the arrears on the call with the other half of the arrears the following month. I prob suggested or accepted this as had done that many years previously when I was a poor student with no adverse consequences. Paid in accordance with this. Barclays call notes report they informed me credit reference agencies would be notified and I indicated I understood. However, complaints team couldn’t access the call because it was too old. They advised I could request a transcript through GDPR and complain via ombudsman if still unhappy - I’ll process the GDPR request this week. Whilst it may be factual that I entered into some kind of arrangement regarding the arrears, it wasn’t clear to me that they would be treating it and reporting it as a formal payment plan along with the potential consequences of this. At no point did I agree to or request to “reducing my contractual payments” - I paid my contractual amount for March and April with 50% more on top. I guess it’s likely they did say something vague about credit reference agencies and it’s also possible that I may have agreed without fully understanding it would be different to a late payment marker. I’m not 100% sure of the impact of the AP but I believe it did tighten up balance transfer and new card offers (Lloyds group in particular) even though the rest of my report is spotless and I have many years managing multiple high balance cards. Although it may have been less comfortable, I also believe I had the means to pay the balance in full if I’d realised the impact at the time. Finally, it feels like Ive been penalised for speaking to customer services directly rather than just upping my payments to cover the arrears. Historically, I was under the impression that Barclays mortgages weren’t even reporting arrears of less than 2-3 months as late payments - although this may have changed since the last time I was in arrears. I’ve had a browse through threads about AP markers and it seems like removal is unlikely if it’s deemed factual but it may be worthwhile escalating to FOS or ICO? Will update with transcript details once I’ve raised and received a response to my request. I suppose the upside of this is that I’ll be even more cautious about negative markers in the future. Thanks, J
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

Balliff Arrived Yesterday asking for £3068 from my wife in unpaid council tax


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5695 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi there,

 

I am looking for some advice.

 

Yesterday a balliff arrived at my door asking for £3068 in unpaid council tax bills (and charges!!!!) from my wife from 6 years ago!!!!

 

Apparently this was unpaid arrears for a flat that my wife had been living in for 4 years.

 

Now according to my wife the agreement with the landlord was that he would pay all bills for the property. IE The the rent constituted an all inclusive amount, and that seems to have been honoured for every other bill, electricity, water rate etc.

 

I talked to the council yesterday stating that and that my wife never received one bill (apparently numerous bills/reminders/summons were sent to the original property!!!!!). However my wife never received any bills at the time.

 

The flat that my wife had was one of two in the house. Post generally went to the other flat as that had the postbox. The tennants of that flat would then post through my wifes door. However not one council tax bill or associated correspondance ever arrived.

 

The council advised us that Landlord had put the liability in my wifes name on the day she moved in. This seems unbelivable. So my wife became liable for a bill that she hadn't agreed to without anybody checking with her (To my knowledge you can't do this with any other bill you must get identification.)

 

It seems to me that this is a con. The landlord makes out that the rent is one price to the tennant (which is attractive so they will stay) and then tells the council something else. It then takes six years for them to get themselves sorted out.

 

I would really like to hear the advice of the forum on this. I am keen to know how to proceed, because as far as I am concerned we don't owe the council 1 penny. The landlord does. :evil:

 

Your help is really appreciated forum.........

Link to post
Share on other sites

Council Tax liability cannot be removed solely by the wording of the tenancy agreement except in a situation where the property is deemed to be a house in multiple occupation.

 

There was no need for the council to check liability if informed by the L/L as he would have supplied sufficient evidence, tenancy agreements etc , to the council.

 

In any case your wife is not disputing that she lived in the property so any argument over her name being on the bill is not an issue for the council as they have done so correctly under the info they hold.

Link to post
Share on other sites

I rang the council. No evidence was requested to check liability. Is this allowed. I could not do this for Water Rates (as an example). I would need to provide proof.

 

Another thing £3068 for the coucil tax on a tiny 1 bedroom flat in Nottingham seems VERY VERY high even for 3.5 years. Could the landlord have said that my wife was responsible for the whole property??????

Link to post
Share on other sites

Thanks really helps.

 

Strange thing here the address for the property is Grd Floor Flat when as the actual address is 35b. I think that the bills have definitely been sent to the wrong address.

 

I also still strongly suspect that the landlord was withholding all this correspondance so that my wife was never aware.

 

I need to find out when the first balliff/council tax officers was sent out

Link to post
Share on other sites

You can challenge the council on the address they were using, and they can check with their building control section to see what the correct address actually is.

 

If it turns out that the mail was issued incorrectly and the council were culpable, they will have to withdraw the court summonses and if the debt is more than 6 years old, they cannot proceed through court again.

 

You say that the L/L may have been holding back the mail. This is possible, but how would he have got it if it was issued to the Gnd floor flat (unless he lived there).

 

The L/L would not need to provide proof when he initially registered your wife. Some council's ask for proof as a matter of good practice, but there is no legal requirement. As far as I am aware however, there is a legal requirement for a tenant/owner/agent to inform the council of occupation within 21 days of said person occupying.

 

Personally I think the council will have all of the bases covered. If so, I would go through the council's complaints procedure and then go to the the ombudsman if not happy. The ombudsman will conduct a thorough investigation and any areas of bad practice from the council will be highlighted. In the meantime you may need to make an affordable arrangement to prevent further costs or bailiff visits.

 

Good Luck.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...