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    • S13 (2)The creditor may not exercise the right under paragraph 4 to recover from the keeper any unpaid parking charges specified in the notice to keeper if, within the period of 28 days beginning with the day after that on which that notice was given, the creditor is given— (a)a statement signed by or on behalf of the vehicle-hire firm to the effect that at the material time the vehicle was hired to a named person under a hire agreement; (b)a copy of the hire agreement; and (c)a copy of a statement of liability signed by the hirer under that hire agreement. As  Arval has complied with the above they cannot be pursued by EC----- ------------------------------------------------------------------------------------------------------------------------------------------------------------------- S14 [1]   the creditor may recover those charges (so far as they remain unpaid) from the hirer. (2)The conditions are that— (a)the creditor has within the relevant period given the hirer a notice in accordance with sub-paragraph (5) (a “notice to hirer”), together with a copy of the documents mentioned in paragraph 13(2) and the notice to keeper; (b)a period of 21 days beginning with the day on which the notice to hirer was given has elapsed;  As ECP did not send copies of the documents to your company and they have given 28 days instead of 21 days they have failed to comply with  the Act so you and your Company are absolved from paying. That is not to say that they won't continue asking to be paid as they do not have the faintest idea how PoFA works. 
    • Euro have got a lot wrong and have failed to comply with the Protection of Freedoms Act 2012 Schedule 4.  According to Section 13 after ECP have written to Arval they should then send a NTH to the Hirer  which they have done.This eliminates Arval from any further pursuit by ECP. When they wrote to your company they should have sent copies of everything that they asked Arval for. This is to prove that your company agree what happened on the day of the breach. If ECP then comply with the Act they are allowed to pursue the hirer. If they fail, to comply they cannot make the hirer pay. They can pursue until they are blue in the face but the Hirer is not lawfully required to pay them and if it went to Court ECP would lose. Your company could say who was driving but the only person that can be pursued is the Hirer, there does not appear to be an extension for a driver to be pursued. Even if there was, because ECP have failed miserably to comply with the Act  they still have no chance of winning in Court. Here are the relevant Hire sections from the Act below.
    • Thank-you FTMDave for your feedback. May I take this opportunity to say that after reading numerous threads to which you are a contributor, I have great admiration for you. You really do go above and beyond in your efforts to help other people. The time you put in to help, in particular with witness statements is incredible. I am also impressed by the way in which you will defer to others with more experience should there be a particular point that you are not 100% clear on and return with answers or advice that you have sought. I wish I had the ability to help others as you do. There is another forum expert that I must also thank for his time and patience answering my questions and allowing me to come to a “penny drops” moment on one particular issue. I believe he has helped me immensely to understand and to strengthen my own case. I shall not mention who it is here at the moment just in case he would rather I didn't but I greatly appreciate the time he took working through that issue with me. I spent 20+ years of working in an industry that rules and regulations had to be strictly adhered to, indeed, exams had to be taken in order that one had to become qualified in those rules and regulations in order to carry out the duties of the post. In a way, such things as PoFA 2012 are rules and regulations that are not completely alien to me. It has been very enjoyable for me to learn these regulations and the law surrounding them. I wish I had found this forum years ago. I admit that perhaps I had been too keen to express my opinions given that I am still in the learning process. After a suitable period in this industry I became Qualified to teach the rules and regulations and I always said to those I taught that there is no such thing as a stupid question. If opinions, theories and observations are put forward, discussion can take place and as long as the result is that the student is able to clearly see where they went wrong and got to that moment where the penny drops then that is a valuable learning experience. No matter how experienced one is, there is always something to learn and if I did not know the answer to a question, I would say, I don't know the answer to that question but I will go and find out what the answer is. In any posts I have made, I have stated, “unless I am wrong” or “as far as I can see” awaiting a response telling me what I got wrong, if it was wrong. If I am wrong I am only too happy to admit it and take it as a valuable learning experience. I take the point that perhaps I should not post on other peoples threads and I shall refrain from doing so going forward. 🤐 As alluded to, circumstances can change, FTMDave made the following point that it had been boasted that no Caggers, over two years, who had sent a PPC the wrong registration snotty letter, had even been taken to court, let alone lost a court hearing .... but now they have. I too used the word "seemed" because it is true, we haven't had all the details. After perusing this forum I believe certain advice changed here after the Beavis case, I could be wrong but that is what I seem to remember reading. Could it be that after winning the above case in question, a claimant could refer back to this case and claim that a defendant had not made use of the appeal process, therefore allowing the claimant to win? Again, in this instance only, I do not know what is to be gained by not making an appeal or concealing the identity of the driver, especially if it is later admitted that the defendant was the driver and was the one to input the incorrect VRN in error. So far no one has educated me as to the reason why. But, of course, when making an appeal, it should be worded carefully so that an error in the appeal process cannot be referred back to. I thought long and hard about whether or not to post here but I wanted to bring up this point for discussion. Yes, I admit I have limited knowledge, but does that mean I should have kept silent? After I posted that I moved away from this forum slightly to find other avenues to increase my knowledge. I bought a law book and am now following certain lawyers on Youtube in the hope of arming myself with enough ammunition to use in my own case. In one video titled “7 Reasons You Will LOSE Your Court Case (and how to avoid them)” by Black Belt Barrister I believe he makes my point by saying the following, and I quote: “If you ignore the complaint in the first instance and it does eventually end up in court then it's going to look bad that you didn't co-operate in the first place. The court is not going to look kindly on you simply ignoring the company and not, let's say, availing yourself of any kind of appeal opportunities, particularly if we are talking about parking charge notices and things like that.” This point makes me think that, it is not such a bizarre judgement in the end. Only in the case of having proof of payment and inputting an incorrect VRN .... could it be worthwhile making a carefully worded appeal in the first instance? .... If the appeal fails, depending on the reason, surely this could only help if it went to court? As always, any feedback gratefully received.
    • To which official body does one make a formal complaint about a LPA fixed charge receiver? Does one make a complaint first to the company employing the appointed individuals?    Or can one complain immediately to an official body, such as nara?    I've tried researching but there doesn't seem a very clear route on how to legally hold them to account for wrongful behaviour.  It seems frustratingly complicated because they are considered to be officers of the court and held in high esteem - and the borrower is deemed liable for their actions.  Yet what does the borrower do when disclosure shows clear evidence of wrong-doing? Does anyone have any pointers please?
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Hi all,

 

I have a long winded situation.

I have council tax debt that has gone up to £5,000.

This has been going on from more than 8 years from a different house I lived at before moving in to my own house.

 

The council has passed all dealing and account to solicitors who I have had a few email communication with confirming I will be making a £100 monthly payment towards the debt as well as paying £1200 of council tax on my current property yearly.

The house is worth £285k today.

 

Three different Charging Orders have been applied to the house for council tax debt as I have tried to keep up with paying for the council tax going forward and also paying for the debt owed from years back.

 

It has been such a challenge as the type of work I do is contracts which is not too regular.

I am currently not working,

I have three children with the youngest a year old and oldest 8 years old.

My Partner works part time.

 

I have just had this bulky document come through the post.

They are court papers.

The Council are taking me to court to push for a sale of my house I live in to recover 5k of the money owed.

 

This is very distressful and annoying to say the least.

I have offered to be paying £100 towards the debt, who refused it contending that their client - the council - are not accepting this as it will take too long to pay off the money owed.

 

The court date is for the 18th of October next month

in the meantime,

there is a job I am scheduled to commence on the 2nd of October too which will enable me make some bigger payment towards the debt.

 

The issue now is,

legally,

where do I stand

and how do I contest this as it stands.

 

 

I have evidence of all the payments I have made so far and email correspondence

 

What advice and how do I proceed,

it can not be just and equitable to push for a sale of a house worth £285k over a 5k debt with children in the house!!

I am not disputing the money owed either, I just need more time to come up with some of the money.

 

I am not in receipt of any benefit from the state either.

 

I await your responses and thanks in advance all.

:o :o :lol: :D :D

 

 

 

 

More Power to the PEOPEL!! LONG LIVE the CAG!!!

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Hi There,

 

I'm not a lawyer so can't advise you on your rights, but I have been £5000 in Council Tax Debt before.

 

So a quick question. Have you been in contact with your local councillor and elected head of your local council yet?

 

Regards

 

Jonathan

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Can the Council sell my home?

 

Technically, yes. If the Council has a final charging order, it could apply to sell your home to pay the debt although it is up to the court to decide whether to make an order for sale or not.

The court can order a sale where:

 

• the debt is in your sole name and you are the sole owner; or

• the debt is in both names of the joint owners of the house;

• if the debt is in your sole name and the house is in joint names, the Council gets an ‘interest’ in the house once the charging order is made final. This means the Council can apply to the court for an order for sale to realise their ‘interest’ in your house. All joint owners (or a married person who is not a joint owner but has an ‘interest’ in the property) should be part of the court proceedings so they can explain their case to the court as well. They would be sent notice of the hearing and be allowed to attend

 

Further information...

 

https://www.citizensadvice.org.uk/debt-and-money/action-your-creditor-can-take/charging-orders/#h-what-happens-if-there-s-an-order-for-sale

 

Regards

 

Andy

We could do with some help from you.

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I am sorry you find yourself in this position-it must be very difficult for you.

 

Are all the charging orders for your previous property or do you have any for your current one?

 

 

The reason I ask is that as I understand it, Councils can only take you to Court to force a sale if the charging order is on the particular property you are living in. Though it does beg the question why you have a charging order on another property but now live elsewhere.

 

 

One would have thought that on the sale of the property with the C/O the sale should have triggered the Council tax repayment.

Of course the C/Os could have been placed on this property even though your problems began on the previous one.

 

A factor that the Court will take into consideration [and it is by no means certain at all that the Court will agree to the forced sale] is whose debt is it -just yours or yours and your partner.And is your property solely in your name or you and a partner.

 

As you will be liable for the legal costs involved in the case [and they are likely to be quite high] it must be worth trying to avoid that scenario if at all possible. Do they know that you have this

 

new job coming and that you will be able to make a higher contribution afterwards towards the debt?

Have you asked them what sort of level of annual repayment[not monthly as I gather your earnings are irregular] would stop the Court procedure from going ahead? And could you get anywhere near the amount they are asking?

 

Do you have a life insurance policy that could be used to reduce the debt or a pension plan that might enable you to take an amount of money from it?

These last two would only be offered by you as a last resort but it might be better doing that than finding yourselves homeless .

 

 

Courts may find it difficult to enforce the sale when there are children are involved but that may it also depend on the Council's attitude and whether they believe that you are deliberately stalling on repayments.

 

Good luck and I hope you can reach some sort of settlement with the Council.

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Hi all,

 

I have a long winded situation. I have council tax debt that has gone up to £5,000. This has been going on from more than 8 years from a different house I lived at before moving in to my own house.

 

The council has passed all dealing and account to Wilkin chapman LLp solicitors who I have had a few email communication with confirming I will be making a £100 monthly payment towards the debt as well as paying £1200 of council tax on my current property yearly. The house is worth £285k today.

 

Three different Charging Orders have been applied to the house for council tax debt as I have tried to keep up with paying for the council tax going forward and also paying for the debt owed from years back.

 

I am currently not working, I have three children with the youngest a year old and oldest 8 years old. My Partner works part time.

 

I have just had this bulky document come through the post. They are court papers. The Council are taking me to court to push for a sale of my house I live in to recover 5k of the money owed.

 

This is very distressful and annoying to say the least. I have offered to be paying £100 towards the debt via Wilkin chapman LLp, who refused it contending that their client - the council - are not accepting this as it will take too long to pay off the money owed.

 

The court date is for the 18th of October next month and in the meantime, there is a job I am scheduled to commence on the 2nd of October too which will enable me make some bigger payment towards the debt.

 

What advice and how do I proceed, it can not be just and equitable to push for a sale of a house worth £285k over a 5k debt with children in the house!! I am not disputing the money owed either, I just need more time to come up with some of the money.

 

I would hazard a guess that there is a fair amount of 'history' about this matter as local authorities do not issue these type of proceedings unless as a very last resort.

 

Are the Liability Orders that are subject to the charging orders in your name only?

 

You mention that your property is worth around £285k. Is there much equity in the property?

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I agree strongly with the above post about making a complaint. You need to ring and email the elected head of your council , who has the power to stop this immediately. Right now speaking to the Recovery dept or the call centre is going to be a waste of time. Your HOC details should be freely available online. I would explain the whole situation, including your new job and the potential to meet a new payment plan.

 

It is strongly not in the council's interest to have to spend huge sums of money on rehousing a homeless family, for a simple 5 k debt. Please do this, you have nothing to lose and a better than 50% chance of having this immediately stopped in their tracks.

We could do with some help from you.

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If you have 3 separate charging orders, this must have been a frequent issue and the council will almost certainly have attempted using bailiffs and trying to make an attachment of earnings order, prior to reaching this crisis point. It will also be the case that once the charging order has been obtained, you will have had opportunities to address the debt by way of paying in installments. The council's argument is likely to be that they have attempted all of these options and none have been successful, hence the application for a sale. What were the dates of the 3 charging orders and what previous attempts had been made to repay the debt?

 

LFI has made some valid points, most importantly, the fact that you will be liable for hefty costs involved in the application. Further to that advice, is it possible for you to take a loan out for £5k or even re-mortgage? Can you get access to any amount of money that could bring the debt down to about £4k?

 

Given the severity of your situation, I would urge you to consider seeking advice from the CAB as it costs you nothing.

 

As LFI aslo correctly stated, it is unlikely that a council would succeed in forcing the sale of a £285k house for a debt of just £5k, if a reasonable repayment offer is in place, even less likely given young children are housed there.

 

I would also consider writing to the council , heading the communication: "Formal Complaint - Stage 1" I would then state that you consider that the council are acting disproportionately and unreasonably by pursuing this course of action. especially given that 3 young children are housed in the property concerned. Remind the council that it is extremely unlikely that a court would want to make a family homeless in these circumstances, especially as you have offered to repay the debt at £100 per month and from (insert date) you can increase payments to (insert amount) per month.

 

Ask that due to the unreasonableness of the council's action, the disproportionate action given an amount of just £5k is owed and the fact that an offer has been made to repay, the council instruct their solicitors to place action on hold. As the council will be aware that a court would be extremely reluctant to force a sale of the house given your offer to repay in installments, the action seems futile and will only succeed in placing a debt that is already proving difficult to repay, even further away from settling. Should the council continue with their action despite this complaint, you will produce this letter to the court on every occasion that costs fall to be discussed.

 

You can send the complaint preferably by email or alternatively by post. Head the email URGENT complaint re Proceedings to Force sale of House. Given the severity, I would send the email to the CEO of the council and also the recovery manager (you may need to find the email addresses)

 

Do not hang about with this. Get to the CAB, asap. Ask about the possibility of obtaining legal advice.

 

Hi there,

 

just wanted to say thanks to you and everyone that responded. As mentioned, I have put in a letter of complaint to the head of my council and yet to get a response.

 

I have also been to CAB and advised to bring in a break down of my financial statement stating my outgoings and incomings.

 

This will be used to ask for more time in the courts. Taking that in by the 28th to the CAB. Still getting it written up, any ideas or template to use anyone can suggest will be good. If not, good old excel is what am using.

 

Once more, thanks to every one for taking the time respond.

:o :o :lol: :D :D

 

 

 

 

More Power to the PEOPEL!! LONG LIVE the CAG!!!

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Hi, affixed is the budget sheet we use in similar cases - it calculates automatically as you fill it in.

Budget Sheet.xls

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Hi, affixed is the budget sheet we use in similar cases - it calculates automatically as you fill it in.

 

 

Hi Ell-enn,

 

Thanks for the sheet, precisely the sort of budget calculator I needed. Really good and well suited for my purpose.

 

Thanks once more.

:o :o :lol: :D :D

 

 

 

 

More Power to the PEOPEL!! LONG LIVE the CAG!!!

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Glad you found it useful :)

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Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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Hi Glad to hear you have put all this into action,

 

However, try to call (Not just a letter)

 

A. Your local Councillor

B. The head of the council.

 

Leave a voicemail / send an email.

 

All contact details should be available either on the internet or by ringing the council. These people are elected to serve you ! Most people can't even be bothered to turn up and vote at council elections but effectively they can be on your side far more than any local MP.

 

In my case I got 2 AOE's slapped onto my paycheque with no notice and was put into a situation where I couldn't afford my rent that month ( £600 deduction !). I got completely blanked by anyone working in the call centre or revenue collection, who told me tough luck! I was also told (by recovery) that legally an AOE could not be revoked ( A complete lie)

 

My line of complaint to the Head of council was along the lines of.

 

I understand the importance of me paying this debt off , it will be hard but I am prepared to pay 1 AOE, but 2 will mean that my family will have to choose between paying rent or not eating'.

We could do with some help from you.

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When the OP started this thread, I thought that this was another that I was currently assisting given that the circumstances (apart from having 3 children) are almost the same (even down to the same firm of solicitors !!). In fact, these are two different cases but given the seriousness of the situation, and the popularity of this forum it may be useful for anyone reading this thread to be aware of the extreme danger of allowing council tax arrears to get to the stage where a charging order is made against the property.

 

The other is simply unbelievable:

 

They had arrears of approx £2,000 in around 2007 and a charging order imposed on their property.

 

Two further charging orders were imposed in 2008 and 2009 for £1,900 and £2,000.

 

From 2010 they managed to get 'back on their feet' and pay their yearly council tax in full. They have not defaulted on council tax for 7 years.

 

Their mistake has been to ignore the charging orders.

 

In early 2016, the council requested the court to order the property to be sold. The council tax arrears of £6,000 had turned into a £11,000 debt to include solicitors costs and yearly interest of 8%.

 

The court agreed to suspend the order as long as monthly payments were made.

Instead of paying as ordered, they paid the council tax arrears in full and has spent many months arguing about the charges.

Legal charges for that hearing were in excess of £2,000

 

The current position is that the court have agreed an eviction date (for next week). That hearing of course incurred further legal costs.

 

Having spoken with the council, they confirm that council tax has been paid in full for the past 7 years and furthermore, that there are no arrears at all owed to the council. The order for sale is purely to enforce the solicitors charges and statutory interest charges of 8% per annum.

 

They have just days to find £8,500. their property is mortgage free and is worth around £350,000.

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Has he made an application to have the eviction stopped (N244) ?

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Has he made an application to have the eviction stopped (N244) ?

 

No Ellen he hasn't and is worried at doing so as this could lead to even more legal fees being added to the debt and I can fully understand his reasoning.

 

He is trying his level best over this weekend to borrow some money and it is hoped that the solicitor will agree to stop the planned eviction with a lump sum payment and a sensible ongoing payment arrangement to clear the balance. Given the importance of the subject, I will update the forum with progress.

 

For the avoidance of doubt, the council tax arrears were £6,000 and legal fees and interest charges stand at almost £9,000

 

It is important for anyone with council tax arrears to be aware that a charging order will not only include legal fees for the legal firm contracted by the local authority.....but will also attract statutory interest of 8% per annum.

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If the solicitors don't agree, he will have no option but to apply for a hearing and the judge is almost certainly going to agree to stop the eviction given the value of the house compared to the amount owed. He would ask for no costs to be added for the hearing due to the fact that they have unreasonably refused his offer. If he needs help with the statement let me know.

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Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

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My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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If the solicitors don't agree, he will have no option but to apply for a hearing and the judge is almost certainly going to agree to stop the eviction given the value of the house compared to the amount owed. He would ask for no costs to be added for the hearing due to the fact that they have unreasonably refused his offer. If he needs help with the statement let me know.

 

Thank you so much for your excellent advice and offer for help. I will know more tomorrow.

 

PS: With the OP's case that this thread relates to, I notice that he has also posted on MSE. Rather unhelpfully, he has been told by one poster that he is sitting on a sizeable asset and that the council are entitled to be paid.

 

Another poster has advised him that if he had paid £100 per month from when the charging orders had been in place, he would not be in the position that he is in now. Whilst both answers are being brutally honest, they are not helpful at this present time.

 

I am pleased that he is now receiving help from the CAB and that a Income & Expenditure is being prepared etc.

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There are 3 kids in the house, one of them a baby !!!

 

I'm not sure what universe his local council is in, but the sheer vunerability of his household in this situation. means that this should not be happening. In fact the OP should be looking at his local councils Code of Practice, .I don't doubt that they are in clear breach of their own guidelines.

 

The council is going to be responsible for the ongoing housing for a homeless family of 5 for the sake of £8k ?l Seriously ??

 

The OP should be all over his local council representatives and MP on this. ! Talking to recovery people in the council is p*ss*ng into the wind !

We could do with some help from you.

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Vunerability?

 

A professional law firm is trying to evict a young, indebted, unemployed / underemployed family with a baby from the family home of 8 years. The family have been offered zero legal advice, legal representation or

Legal aid to defend themselves but they may be forced to sell their home for the sake of a debt the relative size of a pin prick

 

I bet his elected head of council and local MP would think that a little bit unfair or bullying? It's the OP's responsibility to make sure they know about this. For goodness sake , he should be at the next MP surgery!

 

And yes the OP needs to take some responsibility for this and be out pulling pints / stacking shelves/ delivering pizzas if he can, in order to bring in some money to help resolve the situation!

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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