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    • Quick update. I've now recieved a letter before action from them with a form to return enclosed, still no credit agreement however. I assume just a case of following the other thread and returning form with no CCA as the reason?
    • Thanks for coming back and letting us know. Obviously we totally disagree with their decision.  Their remortgaging could only have gone wrong if they had ended up with a CCJ.  And how do you get a CCJ?  If you lose in court and then defy the court and don't pay.  Even if you lose in court, you don't get a CCJ as long as you pay within the 30 days ordered by the court.  Even had they lost in court the judge would have disallowed the interest and the £70 Unicorn Food Tax that PE made up.  There was no advantage whatsoever for giving in and paying now. But thanks to you for letting us know - a hell of a lot of users don't.
    • Hi everyone.   Before I say anything, TFL finally responded to the email I sent last week:   Thank you for your email, we acknowledge the signed documents you have returned in preparation for your hearing.   We note that this matter is causing you some stress and anxiety, however this is not a reason for TfL to discontinue proceedings. It is not unusual for passengers that have been summonsed to court to experience these symptoms, and we do have some empathy with your concerns.   However, as previously stated, TfL do not accept out of court settlements, and you will have the opportunity at your hearing, to provide your mitigation to the court prior to a decision being reached by them on how they intend to deal with this matter (usually a fine).   I am sorry that this decision is not more favourable.   Yours sincerely   James Vallis     At least he sounds more sympathetic in this email…   Only one week to go until the court hearing and I am so so nervous. I’ve prepared some questions and answers in preparation for what to say to the magistrate. It will help calm me down if I know roughly what to expect. If you could give feedback on it that would be great. If you have anything to add please do let me know.   As far as I know the court hearing will happen in these stages: Introduction and statement of facts Pleading guilty for the journeys I made with my mother’s card Penalty sentencing Appeal (if charged with a criminal record)   Am I guilty? Yes.   Why did I not pay the fare legally? Last year there was a lot going on in my life and I was struggling financially so to relieve some of this I used my mother’s Oyster card. I know it’s not an excuse and it’s still wrong.   Why do I not accept a criminal record? I really don’t want it to affect my chances of finding a job in the future. I will be the one earning money in my family so I am doing my best and studying hard to be able to get a good job. A criminal record would mean that regardless of how hard I’m working I won’t get the job I want after I graduate. This fills me with so much regret, sadness and disappointment in myself. I just want to be a good daughter for my mother because she’s already had to deal with many hardships in her life and I don’t want to make it any harder for her.
    • HI all, This is done now. My daughter and her fella are currently in the process of remortgaging so they just paid it out of panic. Thank you anyway DX
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I think im being overcharged!


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Hi

I have a council tax bill for current 2010/11 for 1027.

 

At the start of the year i was unemployed then in feb started pt work then to ft work in may. So i had a small amount of benefit at beg of year.

Whilst the change to ft work was going on the council then sent me a overpayment of benefit letter for 300.

They set installments for 56 a month.

 

Then as i had to work a month before i got paid, i had my whole bill for this year sent to liability and bailiffs at end of june.

I was talking to the council (who wouldnt accept installements) and they told me they were sending to bristow and sutor.

So before anything could arrive on my doorstep i rang them to sort it out.

 

They were very unhelpful, and demanded installments of 295 a month, which i couldnt afford. The council got involved and got them to accept 127 followed by monthly installemnts of 126.

 

So far i have made to bristow and sutor the following installment amounts

 

127

127

126

126

Im due to send another 126 at end of nov.

 

Then i have also made to the council for benefit overpayment the following

 

56

56

 

and im due to send another 56 at end of month

 

On the 12 nov i moved from that property into another property (same band) and i have notified the council.

They say i have to keep paying both installments to bristow and sutor and to the council, untill the end of their fin year.

 

But in total im paying 176 for this years council tax! Iv already paid over 600 and at the end of this month (nov) will have paid 776.

So with a further 4 months left of their fin year....i will have paid a grand total of 1390. I have spoke to the council and they say that i still have to pay, they cannot reduce my installments and it will stay with the bailiffs (even though the benefit overpayment hasnt)

 

Its very messy and i really cannot afford to pay out all this on a monthly basis. I am in the process of seperating from my ex husband, so i have been told i will get a discount too, they know this but said that i still have to carry on paying what im paying.

They would then refund any difference or carry it over to 2011/12 council tax.

 

Can someone tell me if this is right please.

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Keep paying you Benefit overpayment to the Council, it is likely that sum is correct. As for your Council Tax ring the Council and ask:

 

1 - how many Liability Orders they have against you

2 - for what periods of time (dates) they cover

3 - how much each one was for

4 - how much is still outstanding on each one

5 - the dates they were given to the Bailiffs

 

It is important you get the sums involved from the Council, do not believe any amount the Bailiff tells you. You mention a parting of the ways with your OH, not wanting topry but are you on your own now and if so how long has that been as you will then be entitled to Single Person Discount on your CT.

 

PT

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I don't think this is correct

 

my understanding is that your liability for council tax for your previous address ended on the 12 November (the court liability order should be adjusted to reflect the fact that you have moved amount due for 12nov till may should be taken of the liability order )

liability for your your new property should start on the 13 nov and a new council tax bill for this address should have been sent to you

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  • 3 months later...
Keep paying you Benefit overpayment to the Council, it is likely that sum is correct. As for your Council Tax ring the Council and ask:

 

1 - how many Liability Orders they have against you

2 - for what periods of time (dates) they cover

3 - how much each one was for

4 - how much is still outstanding on each one

5 - the dates they were given to the Bailiffs

 

It is important you get the sums involved from the Council, do not believe any amount the Bailiff tells you. You mention a parting of the ways with your OH, not wanting topry but are you on your own now and if so how long has that been as you will then be entitled to Single Person Discount on your CT.

 

PT

 

I'm sorry but councils often don't get sums correct as they tend to go off on the wrong initial premise ....errors then get compounded OR they put a over simplified or too literal structure on matters ...then they get liability orders at the magistrates and express an arrogant incredulous surprise that anyone would have the temerity to challenge them ......I've been upstairs with my Ward Councillor and got the Director at the Town Hall to drop court costs as it was patently obvious they'd had botched everything all the way through ....the problem is once the brain dead machine kicks into gear , it's difficult to stop .

 

The amount of snotty verbal bullying is unbelievable , they'll begrudgingly back off if someone goes to say their MP or Senior Councillors for a while , but then they maliciously come back . The problem is at the very top and the pressure put on junior staff and sections operating in a compartmentalized manner ....communication failures and cultures of fear ...often even if something is challenged and fundamentally flawed ...no one has the authority to deal with it ....New Public Sector "Management" has a lot to answer for .

Edited by Bustard
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