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    • Just to clear it up, sorry I don't make sense sometimes. I have paid £4000 £1200 of that was suppose to clear the £1200 debt.   Meaning I have sent a extra £2800 on top of my normal mainternance money.   Thank you
    • Try CPR 31.15 Possibly but a party is not compelled to disclose any documents pre allocation
    • Hi, I shown my key worker a letter that was sent to me saying that I owe £1200, she setup a standing order around 2021, this was to pay back money I owed, with my mental health status I have had complex issues to deal with and I just simply forgot about this standing order so it has been running for about 3.5 years acording to my key worker, anyway I'm not worried about the money that was sent that I call a overpayment, it went towards supporting my child's household so I am just happy with that, I am a little sad that I am being told I still owe this £1200, I have sent bank statements over 3 years worth but they have not taken away this £1200 bill and still say I owe it   Thank you
    • She did try contacting EON in the early days of the debt but they refused to speak to her because she could not pass the security checks. She didn't know the answers on an account she hadn't opened?   I also saw this article recently which could be what has happended here: Debt collection agencies in the UK are using fair means or foul to link people to an address where an unpaid debt has been run up, sometimes years after they have moved out The Guardian Anna Tims Mon 22 Apr 2024 The letter from the debt collection agency arrived out of the blue, and it was intimidating. It informed Joshua Simpson* that he owed £2,212 to Octopus Energy, and accused him of ignoring previous requests to settle the bill. If he did not stump up within 14 days, he was told, further action would be taken to recover the money. Simpson checked his Octopus account – it was in credit. Then he noticed the address where the debt had been accrued between 2022 and 2023. It was his childhood home – which his family had sold 18 years previously. "Since I was only 16 when we left the property, I was astonished that they'd linked my name [to it]," he says. "The debt collection agency insisted I provide a tenancy agreement to prove how long I've lived at my current address. I couldn't, since we bought our home. "They are now actively pursuing me for this debt, causing me a huge amount of stress. We are about to remortgage, and if this debt prevents us switching to a better deal, we will face real financial hardship." Simpson had been sucked into the shadowy world of "identity tracing", whereby investigators recruited by creditors seek to locate individuals who have moved home without paying their bills. It is an unregulated sector where anyone can set up as an agent in a back room without a licence, or scrutiny, and use fair means or foul to identify debtors. Reputable companies join a trade association that operates a code of practice, but membership is not mandatory, and mistakes are common. Last year, a teenage boy was chased for a debt of more than £900 by debt collectors acting for the energy company Ovo. A "trace agent" had somehow linked him to the debt because his parents had previously rented the property in question. An investigation by the Observer established that the debt had been run up by a subsequent tenant. The consequences of mistaken identity can be catastrophic. Individuals who are erroneously linked to a debt face, at worst, court action, bailiffs and a ruined credit rating. At best, they can endure weeks of stress and paperwork in order to prove they are not the debtor. It is estimated that 20m identity traces are made in the UK every year, many on behalf of companies that are owed money. Personal data is often obtained from credit reference agencies, which record applications for credit, and details are supposed to be verified with several different sources before being used for debt enforcement. In practice, however, this does not always happen. Simpson's details had been passed along a chain of intermediaries before the demand was issued. Octopus had given the unpaid account to a debt collection agent, which had contracted a tracing service, GBG, to find the debtor................ Full Article: https://www.theguardian.com/money/2023/oct/04/a-cry-for-help-energy-providers-play-the-villain-in-dramas-to-chill-the-blood ..............The Financial Ombudsman Service, which investigates complaints about financial firms, states that debt collection agents have to produce convincing evidence to link an individual to a debt, rather than rely on names, addresses and birth dates. According to the trade association, the Institute of Professional Investigators, an unknown number of investigators and trace agents are operating below the radar. Many more are merely inept, as data protection compliance training is not mandatory. "We have been campaigning for many, many years to try to get all private investigators regulated," says secretary general Glyn Evans.
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student/council tax


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Hello. My 23 year old daughter moved into a flat in manchester in july yhis year, She started a 20 week journalist course. this course is full time so she has no income. She also lives with to other students who are trainee doctors. The council have told her she is liable for all the council tax less 25% discount for paying it on her own. I would like to know where she stands as i accept the fact that when her course finishes she will be able to earn money, bit she can not earn money while she is on the course. The council said they can not do anything because the course is not 24 weeks.

 

Any ideas

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Who counts as a full-time student for Council Tax purposes?

 

You’ll usually be considered a full-time student for Council Tax purposes if:

 

  • you are enrolled to attend a course of education lasting for at least one academic or calendar year - and which you are normally required to attend for at least 24 weeks out of the year and study for at least 21 hours per week during term time

or:

 

  • you’re under 20 and your course leads to a qualification up to (but not above) A level standard or equivalent - as long as it lasts for more than three months and involves more than 12 hours of study per week

If you’re unsure, check with your local council.

 

The Council are correct in their interpretation of the Rules. However is there anything to stop her claiming Housing & Council Tax Benefit if she has no income?

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Thank you ploddertom i did read that, but what i was thinking was how in her 20 weeks on a full time course can she earn the money to pay the council tax. Thats what i find the dilemma in all this,

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That's why I said in my last sentence - if not working then she may be able to claim CT Benefit.

 

One way or the other the debt has to be paid, the Council do not care about the circumstances they just want the cash and should it go further there may be Court & Liability Order fees to pay which could add an extra £150, then there is the possibility of enforcement action via Bailiffs. Her only other alternative is a part time job.

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  • 3 months later...

Hi udate as per above and still non the wiser so still fighting. As suggested above my daughter who was doing a 20 week full time course so could not work daytime was not classed by Manchester council as a student. We then took the advice as above, she got a part time job and asked the council fro rcouncil Tax and housing benefit and was told by the council that she can not have this because she is a student. So the council are contradicting themselves. I understand that she should pay some of the council tax but should be given a further council tax benefit. The council have told her to carry on paying 108 per month until it is resolved, she has not got the money to pay for the rent and council tax and other utilities on her part time income. Any ideas and am i right in saying that as she it attempting to resolve this matter that the council should call of the baliffs until this is done. Kind regards Lorraine

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Student Households are usually exempt from Council Tax as students are not usually legally allowed to claim State Benefits. But as you've found out the rules concerning Council Tax exemptions and discounts for students are quite restrictive (21 hours per week, and 24 weeks in an academic or calendar year).

 

Has your daughter contacted the college or university to find out why the course only runs for 20 weeks?

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Its a journalist course which is run by news associates and it runs for two lots of twenty weeks in a year (two courses) she had to raise 3000 pounds to go on the course but it finished in january, She is fighting the council but its like speaking to a brick wall.

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Hi Loz

 

Please have a read of these from Manchester City Councils website:

How to Upload Documents/Images on CAG - **INSTRUCTIONS CLICK HERE**

FORUM RULES - Please ensure to read these before posting **FORUM RULES CLICK HERE**

I cannot give any advice by PM - If you provide a link to your Thread then I will be happy to offer advice there.

I advise to the best of my ability, but I am not a qualified professional, benefits lawyer nor Welfare Rights Adviser.

Please Donate button to the Consumer Action Group

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  • 1 month later...

Hi Desperate now, getting really frustrating. My daughter has received a letter from the ballifs today saying the debt has been discharged to them and she has to pay the full amount within 7 days . Am i right in saying that the council should not be sending in the baliffs as this is an un resolved issue and they should call of the ballifs until the issue has been resolved. She has called the council on many occasions trying to resolve the issue. I did forward her the information from above which is very informative.

 

Thanks

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Withholding payment pending determination of a complaint or similar will not prevent enforcement action continuing. The argument is that you are supposed to pay - whether or not you do owe the money - until the matter is resolved. Any overpayment then made will either be credited to a new account or refunded to you upon request. If all she is doing is ringing the Council then I feel they may say "what phone calls" - all better done in black & white or by recorded call.

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Ok, thats fair enough. But how are you supposed to pay with money you do not have in the first place. I was also watching watchdog the other day and the bald chap who investigates had an issue with Bt and he told them that there was a law that said if there was an issue with a paymentand a dispute that the baliffs should be called of until it is resolved.

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You may interested to read this recent judgement from the High Court http://www.bailii.org/ew/cases/EWHC/Ch/2008/1919.html unfortunately it would seem to back the council's standpoint.

 

As the previous post says recovery action can be taken for council tax even when there's a dispute, ideally they should call off the bailiff but theres nothing to compel.

Edited by revshelp
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I was also watching watchdog the other day and the bald chap who investigates had an issue with Bt and he told them that there was a law that said if there was an issue with a paymentand a dispute that the baliffs should be called of until it is resolved.

 

Not for council tax purposes.

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