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    • I suggested consideration of bankruptcy some years ago. It was not well received.
    • That is a superb WS. However, I have a few tweaks to suggest. In (2) "indicating" not "indication". I think to be consistent with your numbering, in (6) the Beavis case should be EXHIBIT 2. Do you really need to include over 100 pages of Beavis?  I think that would be likely to annoy the judge.  Just try and find the bit where they decide it was not a penalty due to having an interest in limiting the time that vehicles can stay. I'll have a look myself for this bit later as it's highly likely to be in WSs from PPCs who think that that paragraph means all their charges are valid always on every occasion. After your current (7) add this.  It's always useful to refer to a judgment when making a legal point - 8.  In the case PCM vs Bull, Claim No. B4GF26K6, where the Defendant was issued parking tickets for parking on private roads with signage stating “No parking at any time”, District Judge Glen in his final statement mentioned that: “the notice was prohibitive and didn’t communicate any offer of parking and that landowners may have claim in trespass, but that was not under consideration”.   In (14) if my maths are right the CPR request should be "EXHIBIT 3".  it is missing from your list of exhibits. In (16) the two figures should be £100 and £170.  They are entitled to increase fro,m £60 to £100, they are not entitled to increase to £170.  To make it clear for the judge I would write - 16. The Claimant has artificially inflated their claim for a £100 invoice to £170. This is simply a poor attempt to circumvent the legal costs cap at small claims. 17. The Claimant has also invented a second fictitious charge, for legal representative's costs, when they have no legal representative. You also need ot number your exhibits. The rest is excellent - well done.
    • Did you ever think of walking away? Become bankrupt and in 12 months it'll all be behind you. My feeling is that you may well get nothing from the sale of the property anyway. Going by the date this thread started it looks like eight years of arrears, lender's costs and receiver’s fees on top.
    • Just to clarify - I make use of evening legal clinics. It is not always possible to see a lawyer (they have limited time and days/week).  This means questions one has may never get answered or there's weeks between follow-ups.   To be really clear - I am representing myself; I am playing at being lawyer/ barrister - which means I take help wherever I can get it (and then research it thoroughly). Ae - a judge in a recent hearing pointed out the receiver is not part of my current proceedings - and suggested I have a separate claim v the receiver. Disclosure has presented damning evidence v the receiver  The receiver against whom I have a complaint is not part of the receiver governing body.   The receivership is in 2 names - a joint one.  My complaint is directed at whom I was told is the lead receiver.  The other named receiver IS a member of the governing body.  But he has now left the company.  And the lead receiver has retired - but is still a working consultant on my case.   All the evidence shows it was the 'lead' receiver who was doing all the  work/ the misbehaviour.   But if the appointment was 'joint' would I make a complaint against them both?    I am sure that wouldn't go down well with the other receiver who is at the beginning of his career. The law is very much against borrowers.   But the evidence against this receivership is crystal clear.   I just don't know how and to whom to complain.   The places I've tried so far don't offer much transparency       
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Help with HCEO PRE new rules & charges please


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HI All,Any help would be appreciated. I'll try to be brief.In Aug 2013 a HCEO turned up unnnounced at my house while I was work. He left paper work levying on a vehicle which does not belong to me. I accept that I owe the debt (disagreement with insurance company and a vet over the fees, got a bit out of hand!) I asked him by phone, text and email to give me time to sort it out with the insurance company. I gave him the insurance company details to speak to them. A couple of weeks later (even though I had kept him fully informed of what was going on) he, or another HCEO, came out again unexpectedly while I was at work, and levied on another vehicle also not belonging to me and adding another £1000 to the fees (incl VAT) Neither vehicle was taken. Nothing else was levied on, he did not enter the house, the value of either vehicle would be way above the value of the debt (£900 excl fees) I offered a small monthly payment and this was accepted.I need to get the debt satisfied so I offered the original creditor full payment and I would sort the fees out with the bailiffs. They checked this with the bailiffs and refused saying all payments had to be made to the bailiffs and not direct. In total the bill incl fees & VAT ended up being £2700 From internet searches I am wondering Is there any way to discard any of the fees? Are they legal? Do they have to have used my full name (including middle name) is there anything else I haven't found?

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Have you asked for a full breakdown of the fees charged?

Yes

 

12-08-2013 12 Accounts Management Fee £121.00

12-08-2013 12 Administration and Compliance Fee - £282.30

03-09-2013 6.2(b) Auction Inventory Fee £72.46

03-09-2013 4 Making Enquiries Fee £4.00

03-09-2013 1 Percentage Fee £24.97

03-09-2013 3 Seizure of Goods Fee £2.00

03-09-2013 12 Case Allocation Fee NOS £12.10

03-09-2013 2 Mileage Fee £50.00

03-09-2013 12 Attendance to Seize Goods Fee £181.50

05-09-2013 12 DVLA Vehicle Check Fee - £15.00

13-09-2013 12 Removal Administration Fee - £145.20

13-09-2013 12 Case Allocation Fee ATR £12.10

13-09-2013 5.3(a) Attendance to Remove Fee £505.10

30-10-2013 12 Debit Card O/L Fee - £2.08

Totals £1,429.81

 

so with VAT £1715

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Following on from what doggone it has suggested. Did you ever inform them the vehicles were not yours? Did they belong to another member of the family or someone totally separate? The correct procedure for arguing fees is a detailed assessment but you have to know what you have been charged & when so you have something to argue against. The danger of this is that you could end up with more fees/costs being awarded against you should your application fail.

 

As for paying the creditor direct, they will have signed a contract that says any monies paid direct are to be passed over to the HCEO as the creditor can be held liable for all fees if they do not. Have you previously applied for either a Stay of Execution or a Variation Order?

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Following on from what doggone it has suggested. Did you ever inform them the vehicles were not yours? Did they belong to another member of the family or someone totally separate? The correct procedure for arguing fees is a detailed assessment but you have to know what you have been charged & when so you have something to argue against. The danger of this is that you could end up with more fees/costs being awarded against you should your application fail.

 

As for paying the creditor direct, they will have signed a contract that says any monies paid direct are to be passed over to the HCEO as the creditor can be held liable for all fees if they do not. Have you previously applied for either a Stay of Execution or a Variation Order?

 

I dont want to spend more money and potentially incur a lot more charges. I told them at the time and I told them recently that they couldn't charge me for levying on vehicles that aren't mine. They charged me for DVla check so must know. They said tough.

 

I have not applied for either. I need the cert of satisfaction. If the fees are valid I will pay them

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You can ring the QB Enforcement Section on 020 7947 7772 to check the current status of any Writ. It sounds to me as if they are the last dates that any action took place they could be on a sticky wicket, I'll have a closer look later on.

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You can ring the QB Enforcement Section on 020 7947 7772 to check the current status of any Writ. It sounds to me as if they are the last dates that any action took place they could be on a sticky wicket, I'll have a closer look later on.

What is the effect of the writ bein expired?

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The fees can be challenged in court via a detailed assessment but as with most court proceedings you expose yourself to costs if you lose.

 

In the first instance it is always better to try and negotiate fees with the HCEO.

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Ive tried to ring the QB enforcement section, it just rings and rings and then after 15 mins goes dead. Does anyone know if that is normal? If the writ has expired and I have the certificate of satisfaction is there anything else they can do?

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Unfortunately like many courts the QB section in understaffed.

 

Also, if there are sums outstanding then you shouldn't have a certificate of satisfaction.

 

The HCEO will be able to advise if the writ is still live. Unlike writs issued after April 2014, this writ is not extendable by virtue of a broken payment arrangement. However, if it has lapsed the creditor may decide to renew it to protect their position should you stop paying.

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The HCEOs don't appear to be the most honest people, as far as I can see, so I can just imagine how that conversation is going to go:ME: Is the writ still valid?HCEO: No, it has expired, please don't pay us any more moneyI made a payment direct into the creditors bank account, sent the proof to the court and I have the certificate of satisfaction

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You really need to find out if it is valid. If it is and you have mislead the court by not disclosing what was outstanding then the letter of satisfaction will be invalid. Until you have that answer it's difficult to advise further.

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Because if a writ was issued then there would be additional costs. Whether you agree with those costs is a separate issue but certainly some (including the execution costs) will be due and payable under the writ.

 

Did you notify the court that the matter had been transferred to the High Court for enforcement and of the sums that were being claimed?

 

As stated earlier, your first course of action is to understand whether the writ is still valid.

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Surely the court would know this? It's all under the same case number. The cert says including any interest, it does not say including any enforcement charges

 

Until you can ascertain if there is a valid writ you are going to go around in circles,

 

Here's the email address for the Enforcement section - just close any gaps up as site software inserts them - [email protected]

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