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    • thanks ae - yes  I understand the claims are between me and the lender.  But with regards to the order for sale the judge specifically said it is the receiver who is appointed to sell - and he hasn't/ and isn't - which is why I am asking if I can apply to the court v the receiver for an order for sale right now?   The receiver is not part of the current proceedings heading to trial.  But he is responsible for selling the property - and he has consistently rejected offers over >5y.   This is specifically why I would like to understand if I can apply to the court to enforce the sale ??? As above - The judge has said otherwise the order for sale v the lender has to be dealt with via the trial.  Which they have deliberately delayed via the adjournment. Valuation is an issue. The lender chose the valuer.  I paid but his report basically belongs to and is referred to by the lender.  He did a prof valuation without doing a site visit.  He had done a site visit 5 months earlier for different potential lender.  The 1st valuation he erroneously did as fh.  He just did a re-write 5m later - but kept the same value for lh. I had a great offer on the table from a niche buyer which would have cleared the loan and given me a lot of £s.  But the lender rushed through the repo and the buyer got spooked and ran.  The lender then slashed the price by 30%+ from their valuation (fire sale price?).  As you suggest - they fully expected potential buyers to quickly grab the property at such a discount.  But it turned out they couldn't.  The market had dropped anyway. Then covid hit.  Every potential buyer was questioning the valuation.  The lender and receivers actions have eroded the equity.  This wouldn't make sense to any normal lender.  99.9% would have just sold to the 1st buyer willing to transact.  The lender/ receiver had such a willing buyer on day 1 of marketing.  But they spent 15months trying not to sell to them.  As I said, disclosure shows the ceo wanted (wants?) to keep it for himself - so common sense didn't (doesn't) prevail.   The lender has made a MoneyClaim v me.  I am disputing it because I maintain it is their actions that has caused the erosion of equity/ a debt to accrue. The lender's problem now is that they have spent so much money and added so much interest over 5y that they cannot sell the property for what they need/ want.  They are trying to blame me for this.  But it is their fault; not mine - because I am not in possession or in charge of selling it. As I also said above - if there is some legal reason why I cannot make an application to the court for an order for the receiver to sell - then can I ask the other entity which has a charging order and threatened to do so. ???    
    • We registered our child with a nursery last year for a June 2024 start date. This was before how the new 15 hours free childcare was going to work. At the time my wife paid a £50 deposit. A few weeks ago they sent out an email about how the new funding was going to work. The nurseries can use it as they wish and they said if the child wants to come for one full day we still have to pay £50 and we can't use all the hours for one day. They also drastically increased their day rate. As a result of this we were looking elsewhere and have found a much cheaper nursery so we are changing.  The original nursery now said you only get the deposit back if she starts because it comes out of the first month of fees. I don't think we filled any any form or anything so there were no terms and conditions. Are we entitled to get the deposit back or is it our fault for not asking what the terms were when we paid. 
    • Hi Baldilocks. Welcome to CAG. I've done some minor formatting edits to your post to make it easier to read for people on mobile. Try to keep to 1 or 2 sentences max before creating a line break in your post. It's the Consumer Rights Act 2015, not the Sale of Goods Act 2015. The Consumer Rights Act 2015 superseded The Sale Of Goods Act 1979 and the latter does not apply as I imagine this purchase was made after 1st October 2015. Can you confirm the make and model of the vehicle? Some vehicles have their service history stored within the on board computers now or have it available to view online at any point. How did you pay for the vehicle? Finance (what type), Debit/Credit Card etc? I would argue, that should the above points not be correct, you would be right to claim that the goods are not as described under the Consumer Rights Act 2015.  
    • Thanks everyone for all your help, but unfortunately my case was dismissed. This is the 2nd time I've had this happen now so I doubt ill be taking on any parking firms in future sadly. The judge said I lost it on the grounds that the sign said I had 28 days to declare who the owner of the vehicle was, and said I should have complied with this.  My costs are Judgment for the claimant £133.33 Issue fee Hearing fee Solicitors costs - total £265 grand total £398.33 Do those costs look about right?
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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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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

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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.

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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