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    • Monika the first four pages of the Private parking section have at least 12 of our members who have also been caught out on this scam site. That's around one quarter of all our current complaints. Usually we might expect two current complaints for the same park within 4 pages.  So you are in good company and have done well in appealing to McDonalds in an effort to resolve the matter without having  paid such a bunch of rogues. Most people blindly pay up. Met . Starbucks and McDonalds  are well aware of the situation and seem unwilling to make it easier for motorists to avoid getting caught. For instance, instead of photographing you, if they were honest and wanted you  to continue using their services again, they would have said "Excuse me but if you are going to go to Mc donalds from here, it will cost you £100." But no they kett quiet and are now pursuing you for probably a lot more than £100 now. They also know thst  they cannot charge anything over the amount stated on the car park signs. Their claims for £160 or £170 are unlawful yet so many pay that to avoid going to Court. When the truth is that Met are unlikely to take them to Court since they know they will lose. The PCNs are issued on airport land which is covered by Byelaws so only the driver can be pursued, not the keeper. But they keep writing to you as they do not know who was driving unless you gave it away when you appealed. Even if they know you were driving they should still lose in Court for several reasons. The reason we ask you to fill out our questionnaire is to help you if MET do decide to take you to Court in the end. Each member who visited the park may well have different experiences while there which can help when filling out a Witness statement [we will help you with that if it comes to it.] if you have thrown away the original PCN  and other paperwork you obviously haven't got a jerbil or a guinea pig as their paper makes great litter boxes for them.🙂 You can send an SAR to them to get all the information Met have on you to date. Though if you have been to several sites already, you may have done that by now. In the meantime, you will be being bombarded by illiterate debt collectors and sixth rate solicitors all threatening you with ever increasing amounts as well as being hung drawn and quartered. Their letters can all be safely ignored. On the odd chance that you may get a Letter of Claim from them just come back to us and we will get you to send a snotty letter back to them so that they know you are not happy, don't care a fig for their threats and will see them off in Court if they finally have the guts to carry on. If you do have the original PCN could you please post it up, carefully removing your name. address and car registration number but including dates and times. If not just click on the SAR to take you to the form to send to Met.
    • In order for us to help you we require the following information:- [if there are more than one defendant listed - tell us] 1 defendant   Which Court have you received the claim from ? County Court Business Centre, Northampton   Name of the Claimant ? LC Asset 2 S.A R.L   Date of issue – . 28/04/23   Particulars of Claim   What is the claim for –    (1) The Claimant ('C') claims the whole of the outstanding balance due and payable under an agreement referenced xxxxxxxxxxxxxxxx and opened effective from xx/xx/2017. The agreement is regulated by the Consumer Credit Act 1974 ('CCA'), was signed by the Defendant ('D') and from which credit was extended to D.   (2) D failed to comply with a Default Notice served pursuant to s87 (1) CCA and by xx/xx/2022 a default was recorded.   (3) As at xx/xx/2022 the Defendant owed MBNA LTD the sum of 12,xxx.xx. By an agreement in writing the benefit of the debt has been legally assigned to C effective xx/xx/2022 and made regular upon C serving a Notice of Assignment upon D shortly thereafter.   (4) And C claims- 1. 12,xxx.xx 2. Interest pursuant to Section 69 County Courts Act 1984 at a rate of 8% per annum from xx/01/2023 to xx/04/2023 of 2xx.xx and thereafter at a daily rate of 2.52 to date of judgement or sooner payment. Date xx/xx/2023   What is the total value of the claim? 12k   Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? Yes   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? No   Did you inform the claimant of your change of address? N/A Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Credit Card   When did you enter into the original agreement before or after April 2007 ? After   Do you recall how you entered into the agreement...On line /In branch/By post ? Online   Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? Yes, but amount differs slightly   Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. DP issued claim   Were you aware the account had been assigned – did you receive a Notice of Assignment? Not that I recall...   Did you receive a Default Notice from the original creditor? Not that I recall...   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? Yes   Why did you cease payments? Loss of employment main cause   What was the date of your last payment? Early 2021   Was there a dispute with the original creditor that remains unresolved? No   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No   -----------------------------------
    • Hello CAG Team, I'm adding the contents of the claim to this thread, but wanted to open the thread with an urgent question: Do I have to supply a WS for a claim with a court date that states " at the hearing the court will consider allocation and, time permitting, give an early neutral evaluation of the case" ? letter is an N24 General Form of Judgement or Order, if so, then I've messed up again. Court date 25 May 2024 The letter from court does not state (like the other claims I have) that I must provide WS within 28 days.. BUT I have recently received a WS from Link for it! making me think I do need to!??
    • Massive issues from Scottish Power I wonder if someone could advise next steps. Tennant moved out I changed the electric into my name I was out the country at the time so I hadn't been to the flat. During sign up process they tried to hijack my gas supply as well which I made it clear I didn't want duel fuel from them but they still went ahead with it. Phoned them up again. a few days later telling them to make sure they stopped it but they said too late ? had to get my current supplier to cancel it. Paid £50 online to ensure there was money covering standing charges etc eventually got to the flat no power. Phoned Scottish Power 40 minutes to get through they state I have a pay as you go meter and that they had set me up on a credit account so they need to send an engineer out which they will pass my details onto. Phone called from engineer asking questions , found out the float is vacant so not an emergency so I have to speak to Scottish Power again. Spoke with the original person from Scottish Power who admitted a mistake (I had told her it was vacant) and now states that it will take 4 weeks to get an appointment but if I want to raise a complaint they will contact me in 48 hours and it will be looked at quicker. Raised a complaint , complaints emailed me within 24 hours to say it will take 7 days till he speaks with me. All I want is power in the property would I be better switching over to EON who supply the gas surely they could sort it out quicker? One thing is for sure I will never bother with Scottish Power ever again.    
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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"?

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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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

We could do with some help from you.

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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

We could do with some help from you.

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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.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

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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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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.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

Have we helped you ...?         Please Donate button to the Consumer Action Group

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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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