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    • 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
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Birmingham City Council and Equita Bailiffs


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Hi everyone,

 

Im looking for a bit of advice regarding equita and birmingham city council.

 

I broke my leg and ankle in may, 2 operations later....

 

I owe birmingham city council £345.22. This was passed onto equita bailiffs. The first letter I received from equita, dated 8/11/2011... stated I owe £387.22 to birmingham city council. £42.50 was adding on just for sending out this letter.

 

The second letter dated 15/11/2011 had a big removal notice across the middle of it.

 

Yesterday 22/11/2011 - There was a hand deliver letter, from the "local area bailiff" with his contact details. When I rang him, the total owing had some how gone up to £582.

 

I had been away from my property the beginning of november, I have just got back to see all these 3 letters.

 

I've been on the phone to the council all morning and they are basically shrugging their shoulders. I dont want to pay the bailiffs because I'm not paying these ridiculous fees. I've asked the council to deal direct with them but they basically say its out of their hands.

 

Even though on their website, it clearly states, the maximum bailiffs can charge is £24.90 for the first visit and £18 for the second visit. (LINK: birmingham.gov.uk/cs/Satellite?c=Page&childpagename=SystemAdmin%2FCFPageLayout&cid=1223092602862&packedargs=website%3D4&pagename=BCC%2FCommon%2FWrapper%2FCFWrapper&rendermode=live] ).

 

I asking for your help on what to do next, because its basically illegal what they are doing.

 

The bailiff did say he would give me until the 5th of december (what happens after this)?

 

Sorry for such a long post

 

Thanks

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The first thing you need to know is that BCC outsourced their back office admin to a Company called Capita - therefore when you ring you don't actually speak to the Council. On top of that Capita also own 2 Bailiff Companies one of which happens to be Equita - I assume you see where this is going so won't explain any further.

 

The Bailiff cannot charge for posting letters to you - were the first 2 sent by Royal Mail? As you have found out he can charge for visits (a maximum of 2 only) where he fails to make a levy. It would appear from what you say he is also attempting to charge an enforcement or similar fee - certainly not allowed if he does not have a valid levy.

 

Send off for a breakdown of their fees to date, adapt this as you see fit and send initially by email followed by a copy in the post:

"From:

My Name

My Address

 

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 Certificated at.

e - the date of the Certification.

 

This is not a Subject Access Request 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

 

Ripped off customer"

 

You could of course contact your local Councillor(s) and advise them that their Contractors are attempting to claim for work not done. In the meantime you could ignore the Bailiff and pay the Council direct by online banking, Council website or automated phone. You will have to allow for lawful Bailiff fees however.

 

Whatever happens do not allow him access to your home.

 

PT

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Hi, thanks so much for the quick response.

 

The first 2 letters did come via royal mail.

 

The 3 was hand delivered. I wont be letting them into my property. I have no car they can take. All my windows will remain shut.

 

What do you mean by levy? is that when they take something or access the property?

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a levy is when they seize a car or you let them in and they list your goods on a walking posession

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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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Regardless of what your new best mate may tell there is actually no law that says you have to speak to or deal with a Bailiff - although I believe there is a perfectly good Anglo Saxon saying you can utter. Providing you do not allow him access to your home or prevent him seizing goods outside then he is absolutely powerless and can do nothing. Mind he wouldn't be the first to seize a car outside and claim he thinks it is yours but that can be dealt with if it happens. Have good read of some of the other threads to get a flavour of some of the tricks they try.

 

PT

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Thanks for the amazing help! Ive emailed the Chief Executive of Birmingham city council. To my surprise he has replied 2 hours later.

 

"I write to acknowledge your email of earlier today concerning the above.

 

I am investigating the issues you have raised and will return to you as soon as I can. "

 

Lets see what he says. The bailiff gave me till the 5th dec, do i just ignore them now?

 

 

Thanks once again guys.

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Just been on the phone to BCC. What a joke they are, they are basically saying they cant help me. Because the debt is now with equita. They also say that they have received my complaint, and it is being looked into, but the issue is still with equita.

 

Im willing to pay the lawful charges, but the ridiculous bailiff charges? NO CHANCE.

 

I have a good mind to contact birmingham mail.

 

Where do I do from here?

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Yesterday 22/11/2011 - There was a hand deliver letter, from the "local area bailiff" with his contact details. When I rang him, the total owing had some how gone up to £582.

 

phone the bailiff record the call and ask him to confirm the total amount outstanding fees charged the reason for each fee charged and the date of each fee charged

 

before you phone him make sure you have checked he is certificated to Equita

www.hmcourts-service.gov.uk/CertificatedBailiffs

 

when you get that post back

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I've just done a search. I searched for the bailiff name first. Nothing.

 

I then searched for equita, sorted through all the pages and the bailiff name doesnt appear there! infact, theres only a few from birmingham!

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Just been on the phone to BCC. What a joke they are, they are basically saying they cant help me. Because the debt is now with equita. They also say that they have received my complaint, and it is being looked into, but the issue is still with equita.

 

Im willing to pay the lawful charges, but the ridiculous bailiff charges? NO CHANCE.

 

I have a good mind to contact birmingham mail.

 

Where do I do from here?

 

As I said previously 9 times out of 10 you are speaking to an employee of Capita who own Equita. You will need to ask to speak to the Head of Revenues. Mind I suspect the only language he may know is Bailiff. Instead involve your local Counciloor(s) if they refuse or are reluctant then next step is Leader of the Council and his oppsite number.

 

PT

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Ive asked to speak to head of revenues and they said this is not possible. Well I just had an interesting calls with the bailiff.

 

I asked him to break down the charges and he said that there was an enforcement charge added on. When I questioned him about being a certified bailiff, he basically hung up.

 

I've already emailed the BCC chief executive. How would I find the leader of the council and his opposite number.

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The matter of Birmingham Council and the use of Equita Ltd has long been to subject of complaints on here. Birmingham Council use CAPITA LTD as a "back office" provider and strangely, it would appear that at each council that use CAPITA LTD their "preferred" bailiff provider is always EITHER Equita Ltd or Ross & Roberts.

 

CAPITA LTD own BOTH companies!!!

 

The concern with Equita has been surrounding the charging of an "enforcement fee" to an account at the very first visit when the statutory regulations provide ONLY that a charge of £24.50 can be applied for "attending to levy" (where no levy was made.

 

The statutory regulations DO NOT provide for an "enforcement fee" and in reality, this is really an "attending to remove fee". HOWEVER, the regulations as laid down by Parliament provide that in order to charge an "attending to levy" fee, there MUST first be a valid levy made on goods.

 

If a "valid levy" had been made, then once again, there is a legal obligation that the goods levied upon MUST be listed on a Notice of Seizure of Goods & Inventory.

 

Due to the extreme seriousness of charging this "enforcement fee" I will shortly be putting together a NEWSLETTER for Consumer Action Group on this subject and providing advice on who the debtor should do.

 

One suggestion is that letters should be sent to the Chief Execution and also to all COUNCILLORS. The local authority are wholly responsible for the fees charged by THEIR AGENTS.

 

PS: Currently, in the background I know of 7 similar complaints that have been made to the District Auditor of various local authorities !!!!!!!

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The matter of Birmingham Council and the use of Equita Ltd has long been to subject of complaints on here. Birmingham Council use CAPITA LTD as a "back office" provider and strangely, it would appear that at each council that use CAPITA LTD their "preferred" bailiff provider is always EITHER Equita Ltd or Ross & Roberts.

 

CAPITA LTD own BOTH companies!!!

 

The concern with Equita has been surrounding the charging of an "enforcement fee" to an account at the very first visit when the statutory regulations provide ONLY that a charge of £24.50 can be applied for "attending to levy" (where no levy was made.

 

The statutory regulations DO NOT provide for an "enforcement fee" and in reality, this is really an "attending to remove fee". HOWEVER, the regulations as laid down by Parliament provide that in order to charge an "attending to levy" fee, there MUST first be a valid levy made on goods.

 

If a "valid levy" had been made, then once again, there is a legal obligation that the goods levied upon MUST be listed on a Notice of Seizure of Goods & Inventory.

 

Due to the extreme seriousness of charging this "enforcement fee" I will shortly be putting together a NEWSLETTER for Consumer Action Group on this subject and providing advice on who the debtor should do.

 

One suggestion is that letters should be sent to the Chief Execution and also to all COUNCILLORS. The local authority are wholly responsible for the fees charged by THEIR AGENTS.

 

PS: Currently, in the background I know of 7 similar complaints that have been made to the District Auditor of various local authorities !!!!!!!

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tomtubby, any help in the meanwhile would be great. I seem to be getting nO where.

 

I spoke with BCC, who sent me to equita who sends me to the bailiff, who thinks he's right to add these charges. I also checked him out and it looks as if he isn't certified.

 

I've emailed local councilors and email the chief executive's office. They say they are looking into it and hope to get back to me by end of today.

 

There isn't much that needs looking into. I've even referred them to their own website (Birmingham.gov.uk) on there it states the £24.50 first visit £18 second visit.

 

I'm not even worried by these people now and if you're in the same boat as me, don't worry just keep payment Birmingham city council. Don't pay these thieves a penny.

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will be waiting with interest for that newsletter tomtubby. In my neck of the woods it is Excel that the council use, but Jacobs seem to be appearing also

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!

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