Jump to content


  • Tweets

  • Posts

    • 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
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3802 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

my council tax account was passed to the newlyn but i have cleared the councill tax account but battle with bailiff is going on they trying to charge £162.50 .

 

i covered my self by sending them proof that my car is private hire but they keep saying they still can clamp my car but can not take it .

i also told them not to visit my house as my wife has mental history and she is till seeking some counseling for it and they said we will visit tell your wife not to open the door

 

where before they was sending me the letters with both our names now they only start sending letters only stating my wife's name

only.

 

i am attaching recent letter they send me and in this they also said ( Goods maybe removed in your absence )

 

they never got levy on items as we never had them visit physically let them in or open the door for any bailiff so how can they say goods maybe removed in your absence .

 

please help me thanks

 

newlynabsence.jpg

Link to post
Share on other sites

  • Replies 171
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

money all paid to the council and just bailiff fees owing?

 

The most they can charge with no levy is £24.50 first visit and £18.00 second visit

 

they cant levy on goods just to cover there fees the liability order/warrant is satisfied

 

Bailiffs are relying on fear and intimidation thinking you will pay up

 

Get on to local MP and to council to get a breakdown of there agents fees

 

That seams a standard letter

 

Bailiffs on to a looser no levy they cant take car

 

they have no levy no right of entry

If i have helped in any way hit my star.

any advice given is based on experience and learnt from this site :-)

Link to post
Share on other sites

Send this letter to Newlyn by recorded delivery

 

To:

Acme Bailiff Co

Bailiff House

 

Ref: Account No: 123456

 

Dear Sir

 

With reference to the above account, Can you please provide me with a breakdown of the charges.

 

This includes:

a - the time & date of any Bailiff action that incurred a Fee.

b - the reason for the fee.

c - the name(s) of the Bailiff(s) that attended on each occasion a Fee was charged.

d - the name(s) of the Court(s) the Bailiff(s) was/were certificatedlink3.gif at.

e - the date of the Certification.

 

This is not a Subject access requestlink3.gif under the Data Protection Act S7 1998 so does not incur a fee of £10. You are obliged to provide this information.

 

I require this information within 14 days.

 

Yours faithfully

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

 

If you want advice on your thread please PM me a link to your thread

Link to post
Share on other sites

Would appear that the Local MP should be directed to this site and the others

 

Clearly he does not know what bailiffs can and cant charge and should have a read up on things

 

try the breakdown from the bailiffs

there is no warrant so they can do very little to get there money before giving up

If i have helped in any way hit my star.

any advice given is based on experience and learnt from this site :-)

Link to post
Share on other sites

Does your wife have a CPN or similar? Did the Bailiff leave you a Notice of Seizure?

 

I don't know how this notice of seizure looks like or it's wording I only have letter through post by newlyn and one letter was in red color and all the crap about their action

Link to post
Share on other sites

I don't know how this notice of seizure looks like or it's wording I only have letter through post by newlyn and one letter was in red color and all the crap about their action

 

 

have a look at the form 7 in this link it shows what notice of seizure

looks like

 

http://www.legislation.gov.uk/uksi/1988/2050/schedule/2/made

Link to post
Share on other sites

If they are trying to charge you £162-50 they must have levy on some of your possessions - you mention a car in your original post. A Bailiff is allowed to charge £24-50 for his 1st Visit to you & £18-00 for his 2nd - providing he has not made a levy on your goods. If this has been charged then that leaves £120 unaccounted for. It is all the more urgent you send off for the breakdown of fees as said in Post 4, this best done initially by email followed by a copy in the post.

 

If they have made a levy on anything it is a legal requirement they leave you a Notice of Seizure - also called a Form 7 because that is its number. This is usually an A4 sheet listing the goods seized and on the reverse it should have a list of what they have charged.

Please consider making a small donation to help keep this site running

 

[sIGPIC][/sIGPIC]

 

Link to post
Share on other sites

No I did not revieved any form 7

 

I did talk to the the guy

the appointed bailif that came and visited my house my wife was not home so he left letter with the sum on it and his name

 

I did search his name on bailiff data base but he was not bailiff

 

I asked him why he came

he said he came to claim the money and I told him not to come when I am not home as my wife's depression history

 

he told me to tell my wife not to open door as he will keep calling at my house.

 

I warned him that he will be breaking law by doing that and I also said I got proof of signiture post that I have provided the documents to your office

which they never send me acknowledge so far it's been over month.

 

He than asked me what time I am home so he can come and collect money

 

I said you not getting any money or any access to house so don't bother

 

he than said he will come and clamp my car

I said up to you but

 

I have provided the proof of car

it is work car and I do my earning than

 

he told me that he can clamp it but can not twoe the car away

and keep it clamped until I pay the money .

 

Since I have talked to him I have recived 2 letter first my name and my wife's together

as shows on council tax second letter today with only my wife's name as I posted in perivoius post

 

.thanks

Link to post
Share on other sites

i am on stage 2 of council complain procedure as they are not upholding my complain again now i am going to local ombudsman

 

mpletter.png

 

Surprise, surprise. The Minister of State responsible for the certification of bailiffs comes out with crap like this. He really does need to invest in a copy of John Kruse's book, as I have. Just waiting for it to be delivered.

Link to post
Share on other sites

I think they will claim a levy on your motor, if it is contract hire then it cannot be levied or seized, as it belongs to the finance company. Once they have responded to the Acme letter, if they have levied the car it can be challenged.

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

If you want advice on your thread please PM me a link to your thread

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!

Link to post
Share on other sites

I think they will claim a levy on your motor, if it is contract hire then it cannot be levied or seized, as it belongs to the finance company. Once they have responded to the Acme letter, if they have levied the car it can be challenged.

 

the car is private hire

Link to post
Share on other sites

the car is private hire

 

Then it belongs to the hire company and cannot be either levied on or seized. Make sure the bailiff is served with a photocopy of the hire document. This will kill his pig, but if he then tries to levy on or seize it, he will be acting illegally from the outset.

Link to post
Share on other sites

I may be wrong Old Bill, but when the OP says his car is private hire, he means it is a minicab. Probably why the bailiff says he can clamp it but not remove it. So a question to the original poster - does the car belong to you or does the minicab company own it? If it belongs to you, does the car have any outstanding HP on it?

Link to post
Share on other sites

Okay. Does the vehicle have a Private Hire plate on it? If so, it is used for business purposes and the OP's livelihood and the bailiff will be on a sticky wicket if they try to levy on or seize it.. If it is subject to finance, it is third party property and, therefore, cannot be levied on or seized.

Link to post
Share on other sites

If the debt for the council tax has been cleared then, im sure when I say this, that the bailiff cannot levy for his fee's only.

 

However the council must give you verification that your debt have been discharged with them. They can take the bailiff fee's out of the payment that you have made, which would leave the debt still owing.

 

I would offer or pay the bailiff for the two visits, which are owed. The levy on the vehicle can then be queried. No lawful levy, then no fee above the visit fee's.

 

You stated that the bailiff wasnt a bailiff, did you mean that he wasnt a certificated bailiff.

Link to post
Share on other sites

Okay. Does the vehicle have a Private Hire plate on it? If so, it is used for business purposes and the OP's livelihood and the bailiff will be on a sticky wicket if they try to levy on or seize it.. If it is subject to finance, it is third party property and, therefore, cannot be levied on or seized.

Car got private hire plates and I have send the documents by recorded delevery to newlyn and also I have updates council office with the documents and the car is on my name .i called citizen advice beru they asked me to call free debt help line and they told me that bailiff are not able to clamp the car but try to keep the car out of their sight .thanks

Link to post
Share on other sites

If the debt for the council tax has been cleared then, im sure when I say this, that the bailiff cannot levy for his fee's only.

 

However the council must give you verification that your debt have been discharged with them. They can take the bailiff fee's out of the payment that you have made, which would leave the debt still owing.

 

I would offer or pay the bailiff for the two visits, which are owed. The levy on the vehicle can then be queried. No lawful levy, then no fee above the visit fee's.

 

You stated that the bailiff wasnt a bailiff, did you mean that he wasnt a certificated bailiff.

Bailiff is refusing to accept my first fee payment .the name of the guy who visited me third time is not listed on the bailiffs data . I also offered council that I am willing to pay only one first payment to newlyn now the newlyn is adding more charges my fear is if council pays it and than will start chasing me for what will I do than anyone can highlight me on this issue please thanks

Link to post
Share on other sites

Newlyns cannot add any further charges without being able to prove they have lawfully incurred them. You could try threatening to have their fees submitted for Formal Determination. In layman's terms, when bailiff fees are subject to a Formal Determination, a County Court Registrar scrutinises the fees and, where it is found fees are excessive or not in accordance with legislation, they are disallowed. Also, the Registrar has the power to report a bailiff to their certificating court if what the Registrar finds brings into question the bailiff's fitness to hold a bailiff certificate. This is contained in the Distress for Rent Rules 1988.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...