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    • No, reading the guidance online it says to wait for a letter from the court. Should I wait or submit the directions? BTW, I assume that the directions are a longer version of the particular of claim accompanied by evidence, correct?
    • Thanks for opening, it's been another rough year for my family and I've procastinated a little.. Due to the age of my defaults on this and other accounts (circa 2021), I really need to avoid a CCJ as that will be another 6 years of credit issues. Mediation failed as I played the 'not enough info to make a decision' however during the call for some reason they did offer settlement at 80%, I refused. this has been allocated to small claims track, court date is June 3 and I've received their WS. I'm starting on my WS. They do appear to have provided everything required of them (even if docs could be reconstructions). Not really sure what my argument is anymore but I do want to attend court and see this through. Should a judgement be made against me then I will clear the balance within 30 days and have the CCJ removed - this is still possible isn't it? I'm going to be reading up today and tomorrow and hope you can provide me some guidance in the meantime. Wonder what your advice would be given the documents they have provided? I am now in a position to clear the debt either by lump sum or a few large installments - Is this something i should look into at this late stage? Thanks as always in advance
    • I have now received my SAR. It includes a great deal of information! Is there a time limit on how long account information is kept and/or can be provided to debtors? I have received many account statements which were not previously sent to me. I remember that the creditor should provide explanations of any acronyms and abbreviations that maybe used in the documents. Is this still the case? Also what, if any, are the regulations in regard to adding fees to a debt? Can fees be added to a debt after the court has approved a charge on a property. Perhaps due to the numerous owners of the debt, many payments I made were not properly recorded on the account, some were entered over a year after the payment was made! Following the Legal Charge, I paid every month until my payments were refused. I am trying to compute the over payments, but the addition of fees etc. is confusing me. Any comments and/or help would be appreciated.
    • did you submit your directions
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Liverpool City Council Tax


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My case may be a little unusual so let me set out the dates of key events

 

2004 Boought a property

 

2007 June/July moved into property ( I was renovating the property and my mother became ill so I was principle carer hence the massive delay)

 

2007/2008 receiving single person discount

 

2008 Nov proberty damaged by fire

 

2009 Sept Council inform insurers (incorrectly and in breach of the Data Protection Act that I was in jail) insurers start investigating me and still are!

 

2010 Oct find out I can get rebate from Council as property not occupied, however Council ask for proof and put me on full Council Tax back dated to June 2007

 

Now there are several issues

 

1 The Council inform my insurer I have been in jail which I was not

 

2 OK I understand the Council back dating the single person discount but only to Nov 2008 while I provide evidence of the fire.

 

3 Why did they back date it to 2007?

 

4 My insurer have written to them asking if I lived there between 2007 and 2008 aand they have said no. Unfortunatly bills etc tend to ggo up in smake in a fire and alot of thigs are annecdotal, the insurer have bills etc but I am obviously frustrated as I am in a loop with the insurer and the Council here.

 

5 The Council will not accept a crime reference as proof of fire again its get this doc get that doc etc and never the same request.

 

6 Can I demand a meeting with the VCouncil at a higher level than the idiots I am currently dealing with.

 

7 I have bailiff action as since they levied the additional 25% I am behind, I have never received a summons, yes I can pay but they actually owe me more than I owe them.

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