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    • No I'm not. Even if I was then comments on this forum wouldn't constitute legal advice in the formal sense. Now you've engaged a lawyer directly can I just make couple of final suggestions? Firstly make sure he is fully aware of the facts. And don't mix and match by taking his advice on one aspect while ploughing your own furrow on others.  Let us know how you get on now you have a solicitor acting for you.
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    • Thank you for your reply, DX! I was not under the impression that paying it off would remove it from my file. My file is already trashed so it would make very little difference to any credit score. I am not certain if I can claim compensation for a damaged credit score though. Or for them reporting incorrect information for over 10 years? The original debt has been reported since 2013 as an EE debt even though they had sold it in 2014. It appears to be a breach of the Data Protection Act 1998 Section 13 and this all should have come to a head when I paid the £69 in September 2022, or so I thought. The £69 was in addition to the original outstanding balance and not sent to a DCA. Even if I had paid the full balance demanded by the DCA back in 2014 then the £69 would still have been outstanding with EE. If it turns out I have no claim then so be it. Sometimes there's not always a claim if there's blame. The CRA's will not give any reason for not removing it. They simply say it is not their information and refer me to EE. More to the point EE had my updated details since 2022 yet failed to contact me. I have been present on the electoral roll since 2012 so was traceable and I think EE have been negligent in reporting an account as in payment arrangement when in fact it had been sold to a DCA. In my mind what should have happened was the account should have been defaulted before it was closed and sold to the DCA who would then have made a new entry on my credit file with the correct details. However, a further £69 of charges were applied AFTER it was sent to the DCA and it was left open on EE systems. The account was then being reported twice. Once with EE as open with a payment arrangement for the £69 balance which has continued since 2013 and once with the DCA who reported it as defaulted in 2014 and it subsequently dropped off and was written off by the DCA, LOWELL in 2021. I am quite happy for EE to place a closed account on my credit file, marked as satisfied. However, it is clear to me that them reporting an open account with payment arrangement when the balance is £0 and the original debt has been written off is incorrect? Am I wrong?
    • OMG! I Know! .... someone here with a chance to sue Highview for breach of GDPR with a very good chance of winning, I was excited reading it especially after all the work put in by site members and thinking he could hammer them for £££'s and then, the OP disappeared half way through. Although you never know the reason so all I can say is I hope the OP is alive and well regardless. I'd relish the chance to do them for that if they breached my GDPR.
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Form of charge for payment on money Help please


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I have been served with a "Form of charge for payment of money" from Scott and co for £600 for parking tickets.

 

It says"If you do not pay this sum within 14 days you are liable to have further action taken against you including arrestment of your earnings and the attachment and auction of articles belonging to you"

 

Has this already been to court? Do i have to pay or will they accept a payment plan?

 

I dont know if this is a court form or just their scare tactics, any help/advice would be appreciated.

 

The envelope they delivered it in said "this envelope contains a citation to or intimation from aberdeen sherriff court"

 

thankyou.

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Hi,

 

Did the Form of charge for payment include the wording.......

 

On (date) a decree against you was granted in the Court of Session for payment of a sum of money in the above action [or give details of other document upon which charge proceeds such as a document registered for execution in the Books of Council and Session].

 

The decree [or warrant for execution of the document mentioned above] was extracted on (date).

 

 

You can only use diligence after a decree or summary warrant has been obtained.

 

The serving of a charge for payment is now a requirement under The Bankruptcy and Diligence etc (Scotland) Act 2007 before carrying out any diligence e.g. an earnings arrestment.

 

I'm sure applications for formal time to pay are competent in respect of debts due to local authorities.

Any advice I give is honest and in good faith.:)

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Hi thanks for reply and no it doesnt say that, but it does say this:

 

On the dates specified in the schedule overleaf Penalty charge certificates were issued to you by Aberdeen City Council under and in terms of schedules 3 and 6 of the road traffic act 1991 as amended which authorised recovery of the penalty charges, in respect of which the total balce outstanding is £xxx.xx

 

I xxxxxxxx xxxxxxxxx xxxxxxxxx x xxxxxxxxx xxxxx sheriff officer, by virtue of the said penalty charge certificates, charge you to pay the total sum due as set out below within 14 days after the date of this charge to scott and co, sheriff officers, xx xxxxxx xxxxxx.

 

If you do not pay this sum within 14 days you are liable to have further action taken against you including arrestment of your earnings and the attachment and auctionlink3.gif of articles belonging to you" You are also liable to be sequastrated.

 

This charger is served on you today by me x leaving it for you.

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Hi,

 

I think you need to find out if you have a decree against you, I would telephone the Sheriff Court tomorrow and ask, if you do you can apply for a Time to pay order

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?185249-Have-you-received-a-charge-for-payment-arrestment-summary-warrant

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Local councils have the authority to issue penalty charges and the level of penalty charges are regulated by The Road Traffic Act 1991 (schedules 3 and 6).

If the fine is not paid the council can enforce payment without going to court. The charge certificate is equivalent to sheriff court extract decree (court order).

The council can then use sheriff officers to arrest the individual’s bank account or serve a charge for payment giving the debtor 14 days to pay the debt following which they can do the following after the charge has expired:

  • issue an earnings arrestment his earning
  • attach property outside the dwelling house including the car (in accordance with articles exempt from attachment)
  • if the aforementioned actions is unsuccessful then the council can apply to the sheriff court for an exceptional attachment order to attach items within the dwelling house.
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