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    • no i meant the email from parcel2go which email address did they send it from and who signed it off (whos name is at the bottom)
    • I understand confusion with this thread.  I tried to keep threads separate because there have been so many angles.    But a team member merged them all.  This is why it's hard to keep track. This forum exists to help little people fight injustice - however big or small.  Im here to try get a decent resolution. Not to give in to the ' big boys'. My "matter' became complicated 'matters' simply because a lender refused to sell a property. What can I say?  I'll try in a nutshell to give an overview: There's a long lease property. I originally bought it short lease with a s.146 on it from original freeholder.  I had no concerns. So lender should have been able to sell a well-maintained lovely long lease property.  The property was great. The issue is not the property.  Economy, sdlt increases, elections, brexit, covid, interest hikes etc didn't help.  The issue is simple - the lender wanted to keep it.    Before repo I offered to clear my loan.  I was a bit short and lender refused.  They said (recorded) they thought the property was worth much more and they were happy to keep accruing interest (in their benefit) until it reached a point where they felt they could repo and still easily quickly sell to get their £s back.  This was a mistake.  The market was (and is) tough.   2y later the lender ceo bid the same sum to buy the property for himself. He'd rejected higher offers in the intervening period whilst accruing interest. I had the property under offer to a fantastic niche buyer but lender rushed to repo and buyer got spooked and walked.  It had taken a long time to find such a lucrative buyer.  A sale which would have resulted in £s and another asset for me. Post repo lender had 1 offer immediately.  But dragged out the process for >1y - allegedly trying to get other offers. But disclosure shows there was only one valid buyer. Lender appointed receiver (after 4 months) - simply to try acquire the freehold.  He used his powers as receiver to use me, as leaseholder, to serve notice on freeholders.  Legally that failed. Meanwhile lender failed to secure property - and squatters got in (3 times).  And they failed to maintain it.  So freeholders served a dilapidations notice (external) - on me as leaseholder (cc-ed to lender).   (That's how it works legally) I don't own the freehold.  But I am a trustee and have to do right by the freeholders.  This is where matters got/ get complicated.  And probably lose most caggers.   Lawyers got involved for the freeholders to firstly void the receiver enfranchisement notice. Secondly, to serve the dilapidations notice.  The lack of maintenance was in breach of lease and had to be served to protect fh asset. The lender did no repairs. They said a buyer would undertake them. Which was probably correct. If they had sold. After 1y lender finally agreed to sell to the 1st offeror and contracts went with lawyers.  Within 1 month lender reneged.  Lender tried to suggest buyer walked. Evidence shows he/ his lawyers continued trying to exchange (cash) for 4 months.  Evidence shows lender and receiver strategy had been to renege and for ceo to take control.   I still think that's their plan. Lender then stupidly chose to pretty much bulldoze the property.  Other stuff was going on in the background. After repo I was in touch by phone and email and lender knew post got to me.   Despite this, after about 10 months (before and then during covid), they deliberately sent SDs and eventually a B petition to an incorrect address and an obscure small court.  They never served me properly.  (In hindsight I understand they hoped to get a backdoor B - so they could keep the property that way.)  Eventually the random court told them to email me by way of service.  At this point their ruse to make me B failed.  I got a lawyer (friend paid). The B petition was struck out. They’d failed to include the property as an asset. They were in breach of insolvency rules. Simultaneously the receiver again appointed lawyers to act on my behalf as leaseholder. This time to serve notice on the freeholders for a lease extension.  He had hoped to try and vary the strict lease. Evidence shows the already long length of lease wasn't an issue.  The lender obviously hoped to get round their lack of permission to do works (which they were already doing) by hoping to remove the strict clauses that prevent leaseholder doing alterations.   The extension created a new legal angle for me to deal with.  I had to act as trustee for freeholders against me as leaseholder/ the receiver.  Inconsistencies and incompetence by receiver lawyers dragged this out 3y.  It still isn't properly resolved.  Meanwhile - going back to the the works the lender undertook. The works were consciously in breach of lease.  The lender hadn't remedied the breaches listed in the dilapidations notice.  They destroyed the property.  The trustees compiled all evidence.  The freeholders lawyers then served a forfeiture notice. This notice started a different legal battle. I was acting for the freeholders against what the lender had done on my behalf as leaseholder.  This legal battle took 3y to resolve. The simple exit would have been for lender to sell. A simple agreement to remedy the breaches and recompense the freeholders in compensation - and there's have been clean title to sell.  That option was proposed to them.   This happened by way of mediation for all parties 2y ago.  A resolution option was put forward and in principle agreed.  But immediately after the lender lawyers failed to engage.  A hard lesson to learn - mediation cannot be referred to in court. It's considered w/o prejudice. The steps they took have made no difference to their ability to sell the property.  Almost 3y since they finished works they still haven't sold. ** ** I followed up some leads myself.  A qualified cash buyer offered me a substantial sum.  The lender and receiver both refused it.   I found another offer in disclosure.  6 months later someone had apparently offered a substantial sum via an agent.  The receiver again rejected it.  The problem of course was that the agent had inflated the market price to get the business. But no-one was or is ever going to offer their list price.  Yet the receiver wanted/wants to hold out for the list price.  Which means 1y later not only has it not sold - disclosure shows few viewings and zero interest.  It's transparently over-priced.  And tarnished. For those asking why I don't give up - I couldn't/ can't.  Firstly I have fiduciary duties as a trustee. Secondly, legal advice indicates I (as leaseholder) could succeed with a large compensation claim v the lender.  Also - I started a claim v my old lawyer and the firm immediately reimbursed some £s. That was encouraging.  And a sign to continue.  So I'm going for compensation.  I had finance in place (via friend) to do a deal and take the property back off the lender - and that lawyer messed up bad.   He should have done a deal.  Instead further years have been wasted.   Maybe I only get back my lost savings - but that will be a result.   If I can add some kind of complaint/ claim v the receiver's conscious impropriety I will do so.   I have been left with nothing - so fighting for something is worth it. The lender wants to talk re a form of settlement.  Similar to my proposal 2y ago.  I have a pretty clear idea of what that means to me.  This is exactly why I do not give up.  And why I continue to ask for snippets of advice/ pointers on cag.  
    • It was all my own work based on my previous emails to P2G which Bank has seen.
    • I was referring to #415 where you wrote "I was forced to try to sell - and couldn't." . And nearer the start in #79 .. "I couldn't sell.  I had an incredibly valuable asset. Huge equity.  But the interest accrued / the property market suffered and I couldn't find a buyer even at a level just to clear the debt." In #194 you said you'd tried to sell for four years.  The reason for these points is that a lot of the claims against for example your surveyor, solicitor, broker, the lender and now the receiver are mainly founded in a belief that they should have been able to do something but did not. Things that might seem self evident to you but not necessarily to others. Pressing these claims may well need a bit more hard evidence, rather than an appeal to common sense. Can you show evidence of similar properties, with similar freehold issues, selling readily? And solid reasons why the lender should have been able to sell when you couldn't.
    • You can use a family's address.   The only caveat is for the final hearing you'd need to be there in person   HOWEVER i'd expect them to pay if its only £200 because costs of attending will be higher than that
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Excel Civil Enforcement - I fear this is the real deal :-/


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Hello everyone - received a letter on red paper today from Excel Enforcement Ltd - 'certificated bailiffs and sheriffs officers'.

 

It's for outstanding council tax, I did have an arrangement to pay with Ross & Roberts but missed last months payment and so it appears to have been sold on to these guys - 'operation crackdown' seems a bit OTT to me. So, they've told me to find 810 in cash by Friday 6AM when they'll be coming to get it. It suggest on the letter that I could be arrested and put into police custody? Should I be overtly concerned? I'm going to struggle to find near 1K before Friday thats for sure.

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The arrest threat is just that, as the council would have to go down quite a long road before that, as in wilfull non payment over a long period. You are a can't pay rather than a won't pay, so arrest is not imminent imho. the debt if it is council tax always belongs to the council, and which council is this? And what is "operation crackdown"?

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Here's an explanation of operation crackdown:

 

"Operation Crackdown is the second campaign of its kind in Wales and will focus on a specific, undisclosed area in South Wales.

Lyn Harding, enforcement director for the courts service, said: “Outstanding fines are at a pretty high level. The purpose of the operation is to make sure the fines are collected, so that people have confidence in the magistrates’ courts who imposed them.”

Where necessary, those who refuse to co-operate will be arrested and appear in a fines court at a time specially set aside to deal with defendants targeted by the operation"

 

Should I call them up and tell them that if they do come on Friday, I wont have £810 in cash.

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Council Tax isn't a Criminal matter, and a liability order or missing a payment to a skanky bailiff doesn't entitle them to arrest you, or put a council tax liability in the hands of HMCS enforcement it remains with the council at all times and Ross 'n Robbers are only AGENTS of the council they can never own the debt. You could call them if you can record the call and ask them why council tax is being collected as if it was a magistrates fine as a liability order isn't a criminal conviction.?

 

Something not right here. have you any outstanding fines?

Edited by brassnecked

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Hi Brassnecked - no, no outstanding fines. I've uploaded a copy of the letter, its at tinyurl dot com forward slash letterfrombailiff (the forum wont allow any links yet, as I need another few posts)

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Hi Brassnecked - no, no outstanding fines. I've uploaded a copy of the letter, its at tinyurl dot com forward slash letterfrombailiff (the forum wont allow any links yet, as I need another few posts)

 

I have seen the letter and will post the link for you here, so other Caggers can go there more easily:

 

http://i.imgur.com/1EeKX.jpg

 

I cannot see why you have this letter as Council Tax is NOT criminal, and the police would only be there to keep the peace, not assist a bailiff to take you into custody, to await the first available sitting of magistrates, even though the threat is just that as it says they MAY not Will arrest.

 

I think tomtubby may be interested in this one I will PM her asking her to take a look

Edited by brassnecked

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Pm sent to tomtubby. How much is the liability order for.

 

You need to ask the council

How much the liability order is for

How many there are

When obtained

when passed to bailiffs

How much is owedon them now, as you have been paying the bailiff so need to know what they have passed over and what has gone in fees.

We could do with some help from you.

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Thanks everyone for all your help here, its really appreciated.

 

The amount is 810.00 - 'brassnecked' has kindly posted a copy of the letter link in this thread.

 

In the brief conversation I had with Excel over the phone, they told me the debt 'had been sold to them' by R&Roberts.

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I think ( and hope) that there has been some confusion here. Lyn Harding is from HMCTS and is the Senior Contracts Manager dealing with MAGISTRATE COURT FINE ENFORCEMENT in Wales. He is not connected with the local authority.

 

Are you certain that the debt that you have with Excel relates to arrers of council tax and that you do not have an outstanding court FINE as well?

 

If this debt does relate to arrears of council tax it is "possible" that the admin department at Excel may have used the wrong template letter as the one that you have exhibited is almost certainly in relation to the enforcement of an unpaid COURT FINE.

 

If you can post back that would be helpful.

Edited by tomtubby
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and if you can pay, do it by your internet banking site directly to the council

 

never ever pay a bailff

 

dx]

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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I wonder if there have been some wires crossed, as if indeed this is in respect of council tax, it is a serious error imho, and potentially unlawful surely, as how could Ross 'n robbers sell a council tax debt to Excel as they are merely agents of the council, they don't "own" the debt, this remains with the council.

 

Formal complaint to the council addressed to head of Revenues, CEO, elected leader, councillor and MP also copied to Excel, and ross 'n robbers if this is the case, as the letter in no way should apply to the enforcement and collection of Council Tax arrears.

 

I have to go to a meeting now, but will look in later, other Caggers should have some helpful tips, above all alexkbj, try not to worry you have come to the right place to help you sort this.

Edited by brassnecked
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Thanks again all. I do have a sinking feeling this may have gone to court, then passed to R&R, I defaulted with them (just the one month, Feb) and its now with Excel. I will check my paperwork in an hour. If that IS the case, what is the best recourse if it is infact a magistrates court fine. When R&R visited (I know, I shouldnt have let them in) they did an inventory of my apartment, I did explain that all but the TV were the property of the landlord and not myself. They told me it made no difference and that the goods would be taken regardless, and the landlord would be contacted to verify the goods were infact his, and he could then recover them. Is that true? Apologies for going slightly off topic.

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I would be very surprised indeed if this letter is anything at all to do with council tax.

 

It may be possible that a court FINE has been registered against you. Have you ever received a summons to attend court?

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Bailiffs can't arrest you. I suspect that even if this is about council tax (which it could be) the threat is primarily to scare you at this stage.

 

It says a warrant MAY be issued, and yes if you don't pay council tax that MAY eventually happen, so strictly speaking it is true, but if things had got to that stage you'd be hearing from the police, not the bailiffs.

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If this letter is in connection with an outstanding court fine, then the debtor can indeed be arrested and this would be done with the assistance of a police officer.

In order to get fines paid, "Operation Crackdowns" are run in selected areas of the country at various times of the year and these operations are carried out in conjunction with the bailiff providers and police. These operations run for approx a month in each area and court time is set aside so that those arrested for failing to pay a court fine can be immediately put before the Magistrates. I am sorry to say but some debtors are sent to prison if the court are satisfied that the debtor has "wilfully refused to pay" a court imposed FINE.

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Thanks everyone. Ok, this has shown that the debt is for CT and its the real deal, following going to court, then R&R now to Excel.

 

What should I do in respect of Friday, if I call them I do need to explain that if they arrive here, I wont have 810 in cash available so its a wasted trip. Would this mean they'd return with the police? I just need more time to resolve this, I can get the funds together but I'd need at least a fortnight as opposed to 4 days.

 

I accept I should have kept to the 150 p/m agreement, and I had been doing so, one month default and R&R write to me stating the agreement wont be reinstated and then I get this 'operation crackdown' letter. I have 150, I would prefer to get back to the arrangement but I suppose this wont be possible now.

 

Anxious.

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This also adds some weight and this was same period last year, March being the month of CT public flogging it seems:

 

Cardiff fine dodgers warned of new crackdown

 

Cardiff magistrates have hailed a clampdown on court fine dodgers a "huge success" and say they will run it again.

 

They say about £150,000 of unpaid fines, fees and compensation has been reclaimed since 1 March as part of a targeted operation.

 

Magistrates, court staff, bailiffs and the police joined forces to issue 828 arrest warrants.

 

Offenders who had failed to pay were jailed or forced to pay up.

 

Viv Edwards, deputy chair of the bench at Cardiff Magistrates' Court, said: "People with outstanding fines who ignore the orders of the court will continue to be targeted and will be arrested and brought back to court to ensure that outstanding fines are paid.

 

"The message from 'Operation Crackdown' is clear; fines will be enforced robustly and those who do not pay can expect to suffer the consequences, which can involve the loss of property and the loss of liberty.

 

"Fines imposed by the court are due on the day they are imposed and any time to pay granted by the court is a concession and not a right."

 

More than £29m worth of fines are outstanding in Wales, with a third owed by people in south Wales.

 

HM Courts Service (HMCS) organised a similar operation in February 2010 in which 9,425 warrants were executed and £1.02m collected across England and Wales.

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Liability Orders do indeed go through the Magistrates Court but the "Operation Crackdown" is NOTHING WHATSOEVER to do with unpaid council tax.

 

Instead, they are to enforce unpaid COURT FINES.....which are completely different !!!

 

A court FINE would normally be for something like the following: Using a TV without a licence, failing to advice DVLA of change of ownership, driving a car without insurance or MOT or for speeding.

 

Have you spoken to Excel today and have they confirmed to you that the letter was an error and that the ONLY debt that you have with them relates to a Liability Order for unpaid council tax?

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Indeed. Non-payment of court fines is different from non-payment of council tax.

 

A court fine would mean that someone has already been convicted of an offence, so in theory not paying it is not so different from not turning up to do Community Service for example. Not being able to afford to pay council tax is most certainly not an offence.

 

However, when it becomes an offence is when someone is refusing to pay, which you are not. You have said yourself that you want to pay the money over time. They won't get the money any quicker by throwing you in jail, and ultimately that is what they want. When you hear about people going to jail for non-payment of Council Tax they are people who have refused to pay it, normally over a pretty long period.

 

I suspect that the line in this letter is to scare you into paying up now. Don't get me wrong, you shouldn't ignore it, because in the end the council will pass the matter to the police and they will arrest you, but I don't think it is at that stage.

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Ok, on Friday I'll just have to talk to them through the door. This is all terribly embarrassing. Forgive my paranoia but they arent going to return with locksmiths are they? Thanks again, the support of this forum has really been helpful, I've had sleepless nights over this.

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Ok, on Friday I'll just have to talk to them through the door. This is all terribly embarrassing. Forgive my paranoia but they arent going to return with locksmiths are they? Thanks again, the support of this forum has really been helpful, I've had sleepless nights over this.

Do as tomtubby suggests contact Excel, and tell them that as you only owe council tax, are they treating it as a FINE, it is not and tell them you are complaining to your MP, as you should not be threatend with arrest for one missed payment of council tax, to a completely different bailiff company. imho

We could do with some help from you.

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The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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Ok, on Friday I'll just have to talk to them through the door. This is all terribly embarrassing. Forgive my paranoia but they arent going to return with locksmiths are they? Thanks again, the support of this forum has really been helpful, I've had sleepless nights over this.

 

If it is Council Tax then no, they do not have the power to break in unless they have already been inside. So make sure all doors and windows are securely closed.

 

If you are intending on talking to them then it might be worth calling now as suggested.

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