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    • what solicitor is the PAPLOC from? then just search xxxx snotty letter dx  
    • moved to the debt self help forum. plenty of like threads here to read along with the ones you've done so far..good work. last thing you ever want to do is look at any kind of IVO/BK or anything alike concerning consumer debt, never do that, turns unsecured debts into secured ones in many instances. your best bet for now is p'haps looks at  Options for dealing with your debts: Breathing Space (Debt Respite Scheme) - GOV.UK (www.gov.uk) sadly you have to go thru one of the free debt charities to invoke that but DON'T be tempted to also open up a DMP with them, just get the Breathing Space done. get that in place that gives you at leasy 60 days buffer you've also goto to realise you'll probably get a default once breathing space is in place, bit if not it might pay you to withhold payments even after BS then p'haps re start payments once a DN for each debt is issued and registered. at least that way, whatever happens in 6yrs the debt will drop off dx  
    • Hello, I am a private seller and recently sold a pair of trainers on eBay.  Everything seemed fine until just after the eBay 30 day mbg had expired.  The buyer contacted me with photos showing me that both shoes had ripped.  He wanted his money back, and after refusing to refund him, he then left me retaliatory and defamatory feedback on my profile to the effect that I had sold him fake trainers (this was removed by eBay).  He then initiated a chargeback via Paypal.  Invariably, the outcome was in his favour, and I have now been charged for the cost of the trainers.  I would have also been stung for the chargeback fee, but eBay refunded this.  Incidentally, I do have the email receipt of the trainers from when I bought them from a well-established and bona fide online retailer.  The susbequent conversation with eBay followed its predictable course, i.e. the chargeback is out of their hands etc. I have been in contact with citizens advice, and my bank.  Citizens advice told me that as a private seller I'm responsible for the "Title and description" of the goods, but not the performance, or the fitness for purpose.  To me it is clear; if you receive something that's not as described, you don't then use the goods, and more than 30 days later claim 'not as described'.  In my mind, this makes the claim fraudulent.  He's used the 'they're fake' card to give credence to a 'not as described' claim here, obviously, without any evidence.  My understanding is that the chargeback is unlawful, because the trainers were shipped as described.  However, I read something on an eBay forum regarding sellers having no statutory rights, i.e. no right to appeal against a chargeback decision, or to complain to the financial ombudsman.  Does this mean that if my bank disputes the charge on my behalf, it will be to no avail, even if it's recognisably a fraudulent chargeback?  I have reported it via the Action fraud website. Any advice, anyone?  Would be most grateful!
    • Thank you, I have drafted my letters and started to complete the reply form, printed from this site and not using the one they provided.    2 questions, on the forum link it says to tick box D & I, the reason for box D will be given on my thread, what would my answer be to "I dispute the debt"?  Do I send anything for the Vodafone debt they have included?  I've only done 118 loan s. 77 & capital one credit cards so. 78    Thank you  
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Partly due to ill health initially I have a series of unpaid council tax demands which are in the hands of a company that uses bailiffs.

 

I am now well and I have family help to get back on my feet,

The bailiffs have never been allowed into my property

and I have not allowed myself to be intimidated by them by false verbal or written threats.

They have NEVER been allowed access!

 

As this is not my own money I would appreciate some help and guidance so that I get this right.

 

We consider the bailiffs to be unscrupulous people who use deceptive tactics that prey on the ignorant, vulnerable and less able in society and as a result have no desire to reward them for their bullying.

 

My intention is to pay the council directly.

I haven't calculated the exact amount but it is several thousand pounds.

 

I have no faith or trust in the scoundrels who have harassed me and all I can currently put my hands on in documentation is a series of letters sent in one envelope all with the same vain threats and differing amounts of money.

I need to verify the details.

 

I would appreciate guidance and confirmation of the sense of my plan of action.

 

Firstly

I would contact the council expressing my wish to deal with the debt, without at this stage offering to pay it all.

 

 

I would ask what I owe and for details of the debts, dates etc.

 

 

I can't be explicit about paying it all because until I am given the money I don't have it and I don't want to give the impression that I have spare money when I do not.

 

I would then just pay the money.

I would appreciate guidance on how this should be done.

Could the payment come from my benefactor's account, as a cheque for example?

 

Are there any fees to the bailiff company that are unavoidable?

 

Can I avoid rewarding them directly by just paying the council?

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I doubt you will get away with not paying enforcement fees sadly

 

 

but get ALL the info FIRST and comeback here

then we can properly advise.

 

 

First of all establish from the Council how much was owing etc

.

You need to speak to someone at the Council and ask the following questions:

1 - how many Liability Orders they have against you

2 - the dates they were obtained

3 - the addresses they were for

4 - the period of time each covers

5 - how much each one was for

6 - how much is still outstanding

7 - the dates they were passed on for enforcement

8 - the dates & amounts of any payments

...........................

.

Next you need to send off for a breakdown of the charges the Bailiff applied.

.

Here's an example,

use and ADAPT at will and best sent initially by email backed up 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

uest 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"

.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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The bailiffs have never been allowed into my property and I have not allowed myself to be intimidated by them by false verbal or written threats.

 

We consider the bailiffs to be unscrupulous people who use deceptive tactics that prey on the ignorant, vulnerable and less able in society and as a result have no desire to reward them for their bullying.

 

My intention is to pay the council directly. I haven't calculated the exact amount but it is several thousand pounds.

 

I have no faith or trust in the scoundrels who have harassed me and all I can currently put my hands on in documentation is a series of letters sent in one envelope all with the same vain threats and differing amounts of money.

 

Firstly, I would contact the council expressing my wish to deal with the debt, without at this stage offering to pay it all.

 

I can't be explicit about paying it all because until I am given the money I don't have it and I don't want to give the impression that I have spare money when I do not. I would then just pay the money. I would appreciate guidance on how this should be done.

 

Are there any fees to the bailiff company that are unavoidable?

 

Can I avoid rewarding them directly by just paying the council?

 

I notice that you mention that you have received some letter from a firm of bailiffs. Are these recent letters or from a while ago?

 

If recent, then you need to be aware that if you were to pay the council direct (minus bailiff fees) then in the majority of cases, the council will forward your payment onto the relevant enforcement company so that they can deduct their fees etc.

 

You may wish to read the following decision from the Local Government Ombudsman which addresses your query (and others points of interest as well).

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?477356-Local-Government-Ombudsman-(LGO)-decision....Vulnerability-...Paying-the-council-direct...Pro-Rata-distribution-and-more.

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An email to your local elected head of the council can't hurt either

 

Dear XYZ,

 

I wonder if you can help, hopefully I am contacting the correct person.

 

Put simply, I got behind on the Council Tax because of illness and inability to work. I'm now back working and would like to start paying off my arrears. I completely understand the importance of paying back this sum, however I have been visited by bailiffs who want to charge me an extra £375 in their fees. I'm quite happy to make a solid arrangement to pay back the council tax but my weekly income is only £xyz per month, this fee means I would need to either not eat or fall into rent arrears for the month!

 

I can supply you with all details necessary if need be,

 

Kind Regards'

 

This is what worked for me! You should be able to find your local council details on the web. Talking to anyone in the contact centre is a waste of time, they are so poorly trained they have no idea of their own vunerable person policy. It took the head of the council less than half an hour to sort it for me , by the way!

 

regards

 

Jonathan

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

 

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

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bet the bailiffs and the council CTAX dept are run by Capita?

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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