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    • In that case I don't think you'd have any grounds for a claim against the receiver, short of anything actually criminal. The receiver was appointed by the lender so any claim you make should be aginst them. How much equity do you reckon there was when they took possession? Realistic value less outstanding balance (including arrears).  This messing around makes me wonder even more if the property was wildly over valued. Normally a lender would sell and not really care if they got the best price so long as they covered the balance plus their costs. 
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    • Hi all, I purchased a car in January from Big Motoring World Leeds. At the time of sale I was shown a tab on the salespersons computer marked 'service history' and I was able to take comfort knowing that the car had been serviced on 3 occasions as the date, mileage and company was there on screen. Being a 3 and a bit year old car that, in my mind, constituted full service history 🤷‍♂️ Anyway, collected the car a week later. Once home I settled down to through the book pack etc. Opened the service history booklet and it was completely blank. In addition there were no invoices detailing that any services had been done. I duly contacted BMW and asked them to supply me with proof of service history. They responded saying that on their 'vehicle documentation checklist' I had ticked and then signed to the fact that I had seen the service history and that I was happy with it. I dug out this checklist and what it actually states is 'seen service history online' which I had in the showroom. BMW seem to think that this satisfies their responsibility in providing service history. The reality is that I don't have any proof that the vehicle has ever been serviced! For my own peace of mind I ended up paying for a service that satisfied the manufacturers maintenance schedule to the tune of £330. I even complained to the finance company that the vehicle contravenes the Sale of Goods act 2015 as l, in effect, ot is not as described. Amazingly they weren't interested and instead I just got an email stating that it's not illegal to sell a vehicle without service history and that servicing costs were part and parcel of vehicle ownership. I've since complained to the ombudsman and am awaiting to see if they can help. I have no issue with the car but the treatment and customer service has been the worst I've ever experienced. I don't really know what to do next as I really do feel aggrieved that I've had to pay to service a car that should have already been serviced. Can anyone point me in the right direction please? 🙏
    • Fraudsters copy the details of firms we authorise to try and convince people that their firm is genuine. Find out why you shouldn’t deal with this clone firm.View the full article
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I paid Council Tax as a student! - ** REFUND RECEIVED **


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This was quite a while ago. I've been going though my 2005 statements due to a problem with bank and have realised that I paid at least £600 of c/tax within a 5-month period. I was a full-time student at the time. Were students exempt from c/tax at this time? If so, what are the chances of recovering the sums paid?

 

Thanks

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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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Yes student exemption existed in 2005. Can you recover it? I suspect not, but you could contact the council and ask. Have you got evidence, other than your bank statements, of what your council tax was? And that you were a full time student? And who else lived in the property? And whether they were also full time students?

 

From a quick look online it seems that you can go back that far if your claim is that the house was placed in the wrong Band, but that it's up to individual councils how far you can go back if you failed to claim an exemption or discount.

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This was quite a while ago. I've been going though my 2005 statements due to a problem with bank and have realised that I paid at least £600 of c/tax within a 5-month period. I was a full-time student at the time. Were students exempt from c/tax at this time? If so, what are the chances of recovering the sums paid?

 

Thanks

 

In England and Wales there is nothing itself within council tax itself to prevent a discount or exemption being backdated. There has been some argument by councils using s9 of the limitation act 1980 to try and prevent it, these are cases that usually end up at a valuation tribunal for a decison.

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That is encouraging. Thanks!.

 

However, the council don't seem to be the problem. The university I was at has a policy of recording what it calls "Continuing" postgrad students as part-time even when they are not and sending that information on to the council. This issue is apparently ongoing even after all these years.

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Well you can prove orherwise so why is that aproblem?

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 university tell the council that a student on continuation status is effectively a part time student even though that was not the case. I was studying more than full time hours. The council require proof from the university of full time student status. The uni give you a continuation status sheet to give them.

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The issue you have is that it is the course which defines whether or not you qualify, not the actual hours of study undertaken. Off the top of my head, it's para 4(1) of Part 2 of Schedule 1 of the Council Tax (Discount Disregards) Order 1992 you need - bearing in mind that para 4 was amended on 2011 so, I think, it;s now 4(1)(a), (b)(i) and (ii) rather than 4(1)(a),(b) and © which sets the hours requirement but the comments made in Jagoo v Bristol City sums up a situation similar to yours:

 

(Jagoo's course required 20 hours p/w but she did more than that due to her disability - the court found that disability was immaterial, the wording of the legislation in para 4(1)(b)(ii) was the deciding factor.)

"Secondly, the legislation applies or withholds the student exemption on the basis of the normal requirements of the course. On the (limited) evidence in this case, the normal requirements of the course were for 20 hours of study per week. The extra support to which the Appellant was entitled was not a requirement of her as an individual, still less one of the normal requirements of the course. Even assuming that in every other respect the Appellant might be able to bring herself within the terms of paragraph 4, she was accordingly prevented by paragraph 4(1)(b)(ii) from being a person undertaking "a full-time course of education". The Respondent (and the VTE) did not treat her differently from other students on the same course: she, like her fellow-students, was treated as a person undertaking a part-time course. Like her, other students were so treated even if they in fact devoted more than 21 hours per week to their studies"

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Off the top of my head, it's para 4(1) of Part 2 of Schedule 1 of the Council Tax (Discount Disregards) Order 1992 you need - bearing in mind that para 4 was amended on 2011 so, I think, it;s now 4(1)(a), (b)(i) and (ii) rather than 4(1)(a),(b) and © which sets the hours requirement

 

. ……...:-):-):-):-):-)

 

 

 

The issue you have is that it is the course which defines whether or not you qualify, not the actual hours of study undertaken. Off the top of my head, it's para 4(1) of Part 2 of Schedule 1 of the Council Tax (Discount Disregards) Order 1992 you need - bearing in mind that para 4 was amended on 2011 so, I think, it;s now 4(1)(a), (b)(i) and (ii) rather than 4(1)(a),(b) and © which sets the hours requirement but the comments made in Jagoo v Bristol City sums up a situation similar to yours:

 

(Jagoo's course required 20 hours p/w but she did more than that due to her disability - the court found that disability was immaterial, the wording of the legislation in para 4(1)(b)(ii) was the deciding factor.)

 

 

I didn't know that. Probably not relevant here, but I wonder how they decide how many hours a week are "the normal requirements" of a course for post-graduate research degrees? Studying for PhD for example. Just curious.

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I didn't know that. Probably not relevant here, but I wonder how they decide how many hours a week are "the normal requirements" of a course for post-graduate research degrees? Studying for PhD for example. Just curious.

It has caused issues in the past in respect of council tax and on the case of Feller it was accepted that the student was clearly undertaking more than 21 hours,even though there was no specific hours written to the PhD requirements (the council conceded that 21hrs+ for a PhD course would be reasonable). The problem with Feller is that Judge seemed to step over the full reasoning for stating the hours requirement was met, he never really went in to why he thought the course meet the full-time hours requirement, even though on the face of it it doesn't. I know there are some tribunals who have bypassed Feller by distinguishing the case, presumably to bypass that argument.

 

In Jagoo, which was a degree course, her course set the hours so there was something to relate to. Her required hours were set at 20, but she was doing 21+ on the basis she needed extra time due to a disability. The court held that it was course description which mattered, and that didn't require 21+ hrs (even if she did more hours) so she did not qualify.

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the college register you as a full time student so that is what you are even if staying at home writing up. Work behind the union bar to earn a few bob? so what. If it is your 15th year of writing up then the council may well wnat to know about your hours and what else you are doing with your time

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hey glad we could help

 

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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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:yo::yo:

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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