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KJD

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Posts posted by KJD

  1. I came on here looking for a thread about this (it's been YONKS since I was last here!)

     

    I'm in the same position - minimum payment does not cover the interest being charged for the following month.

     

    I've come across a linkie for The Lending Code which appears to say the it's the card company's responsibility to ensure the above doesn't happen.

     

    http://www.lendingstandardsboard.org.uk/docs/lendingcode.pdf

     

    See section 129 onwards. I am assuming this is an up to date Code.

     

    I'll be interested to hear any updates you have.

  2. Hi all. Can anyone throw any light my way pls?

     

    My 16 yo has been pulled over today for riding a de-restricted moped. (sigh) The policeman gave him a Fixed Penalty Notice (Endorsable Offence) with the offence code of E160 - Driving otherwise than in accordance with a d/l.

     

    I've googled E160 but can't find out anything about it.

     

    I wasn't there (obviously) and his dad sorted it out by taking the bike to have it restricted today, and my son has got to show his documents at the local p/station. There is £60 fine to pay (slip at the bottom of the notice).

     

    Has anyone heard of an E160 before? I can't see if he will also get any points (although I guess there is a clue in the title of the Notice.

     

    Thanks etc in advance..

  3. Maybe Jacobs are feeling the pinch as well then :lol:

     

    I've done a letter but am so cross-eyed now, I'll post it tomorrow if you don't mind. I've done it to the bailiffs initially, but we can copy it to the council, councillor et al.

     

    Altho I've got a bit side-tracked by the questions I've asked about above, I've also had a look at Wrexham Council's website. They have an interesting bit about arranging to pay them direct. Also looked at Jacob's site and they are saying they accept payments by standing order.

     

    Have voddy 'n' iron bru for me, H :D

  4. Can anyone point me in the right direction?

     

    In the consumerwiki link posted by scatz above it says that

    Regulation 45 of the Council Tax (Administration and Enforcement) Regulations 1992 lists the following items as being exempt from seizure:

    • "Such tools, books, vehicles and other items of equipment as are necessary for use personally in employment, business or vocation"
    • "Such clothing, bedding, furniture, household equipment and provisions as are necessary for satisfying basic domestic needs of the person and family".

    But the copy I've got doesn't go that far in to detail (the OPSI one). Is there some sort of 'expansion' that goes more in to the do's and don't's of levying distress?

     

    Also, is there something offical that says about not being able to charge twice for a levy on 2 debts (I'm sure that's what I've read on here)

  5. The original agreement that she signed wasn't a walking possession then? (No, as they didn't charge a fee for that).

     

    And to clarify, 2 separate WPs, each one has both the pc & tv on it?

     

    Well, thinking out loud, I can't see that that can be right. Just say they were valid and she didn't pay the first debt, they would come and take away the pc and tv to cover the debt. Then she doesn't pay the second debt - what are they going to come and take away then??

     

    I've had a stab at writing a letter, going to have (another) coffee and re-read it to see if it makes sense before letting you have a look. Are you okay for me to post it on the thread? A poster on another thread said that the council had seen that they had been taking advice from CAG (they must have given who they were in their posts).

     

    And now just seen your 2nd post - can he levy on something that he hasn't seen??

     

    Need to have a ponder...

  6. Using correct info..

     

     

    Debt 1:

    Total £192.38

    1st visit £22.50 Sept 06

    2nd visit £16.00 Oct 06

     

    Total £230.38

     

    Debt 2:

    Total £190.20

    1st visit £22.50 Jun 07

    2nd visit £16.00 Jun 07

     

    Total £228.70

     

    Walking Poss fee - invalid as arrangement already in place

    Levy fee - invalid as arrangement already in place and invalid as on goods not belonging to your daughter

    Van fee - invalid as arrangement already in place

     

    So I make that a total of £459.58

     

    You've paid £409.00

     

    Which means a balance of £50.58 to pay.

  7. OK so another quick question for the experienced CAGgers.

     

    This lady is in Wales and as far as I can see I believe the amended regulations only apply to England. In which case, the originial 1992 fees still apply in Wales. I've picked this up by looking at both rules (see the headings at the top) and also in one of Jacobs Bailiffs own newsletters, which said that altho the amended regulations were being implemented in England, Wales still had to put them in place.

     

    The 2 rules are here..

    The Council Tax (Administration and Enforcement) Regulations 1992

     

    The Council Tax and Non-Domestic Rating (Amendment) (England) Regulations 2006

     

    Anyone any got any other information on this??

     

    (Of course, if this is the case, Hallowitch, your fees exc VAT were right, which will bring down the total I posted above :))

  8. Okay so have a couple of questions for you before we try to do this letter..

     

    1. the arrangement to pay by standing order - when and how was that set up, for each debt?
    2. you say there are 2 levies, both done the same day. What are on the levies - just the pc & tv? And are both items on each levy or one on 1st levy, one on 2nd levy?
    3. you have written to the bailiffs, the council & your MP. We've seen the reply from Jacobs to your 1st letter. Did they reply to your one with the proof re the pc? And have the council or MP replied at all?
    4. you say the 1st debt has been settled / account closed. Do you know when that was?
    5. has the bailiff at any time given your daughter a copy of the fees / charges?

    I'm in my other role of 'Mums Taxi' this evening so may be hopping on & off the site a bit

     

    Karen

  9. i have already wrote to the bailiff and had a reply

    (post 40) so i am now trying to write a letter to the council about the bailiffs charges i also sent an e-mail to my mp about 3 weeks ago got no reply from him the allpay and debit card charges were £2 the vat was 35p

    thanks again for your help

     

    Ok so we can drop the £1.75, so the outstanding amount is £67.58.

     

    I appreciate you've already written to all and sundry about this, but I think another one, detailling the charges, events, etc, should be sent to the bailiff, council (both the ct department and complaints), your mp, et al. We can state the events, the errors, your position and that's that... no more faffing about by them. They accept it, or all bets are off!

     

    I'm not the best at writing letters (tend to ramble on a bit!! as you can see!!) but I'll give it a go if you like. Only it'll have to be a bit later as am at work at the moment. I'll draft one up, post it on here and see what the consensus is.

     

    I know you're getting weary of all this, but if you don't nip this behaviour in the bud, it'll go on and on. These blooming people sh be content that they have an arrangement and that you've been sticking to it. The number of posts that are coming on here every day with more and more queries about bailiffs show that times are tough. You have been nothing more than accomodating to them, and it's time they knew it!

     

    Rant over..

     

    Let me know what you think :)

  10. But I still disagree that I owed money from last years Council Tax but was too scared to confront this at the time in case my car was taken from me.

     

    And I don't blame you.. I couldn't do without mine either.

     

    Are you able to give us a breakdown of the original debt(s) and the amounts they've charged, together with the dates (roughly)? Then tell us how much you've paid them to date. Also, did they ever come in to the house and do a 'walking possession' on anything? Did they actually levy on your car?

     

    (If you have a look on Hallowitch's thread, page 5, that's the sort of thing we're need)

     

    What is your dispute with one of the debts?

     

    Post it up here when you've got time and we can see what can be done to help :-)

  11. Hi demjef,

     

    They will argue you got notice from the council saying that a bailiff will call if you don't pay as your 14 day notice, but a lot of people don't seem to get them :(

     

    So they are trying to charge you £90 which they say is for their fees. Have they given you a breakdown of this figure?

     

    By my reckoning they could argue that they would be entitled to £24.50 for the 1st visit, plus £18.00 for the 2nd visit, but I think you would have grounds fight them on these because you had already settled the account with the council. It's not your fault the council didn't have their house in order and notify the bailiffs the account was paid.

     

    You'll need to get a letter off to the council (whatever they say, they are responsible for the bailiffs & they're actions), but in the meantime, you need to pull up your drawbridge and be prepared for a tustle (sp)..

     

    If you've got a car in the name of anyone on the liability order / debt, park it well away from the house;

     

    If they come back, do not let them in under any circumstances;

     

    When you go out, make sure all your doors and windows are locked.

     

    We know you are in the right here, but they will try anything to get this off you.

     

    Can you give us a timeline on the letters / your payments / their visits?

  12. Hi Dee, welcome to CAG :-)

     

    Have you got anything in writing to tell you how he arrived at those charges?

     

    Strictly speaking when he came he is supposed to have left you a sheet with the charges listed, but we know from experience they don't.

     

    If you haven't, we need to get them to supply a breakdown. Number one rule on CAG, is 'never over the phone, always in writing'. (It's more incriminating on paper anyway :wink:)

  13. Actually don't worry about that as IMHO it doesn't make any difference.

     

    I've worked out the following..

     

    Debt 1:

    Total £192.38

    1st visit £24.50 Sept 06

    2nd visit £18.00 Oct 06

     

    Total £243.88

     

    Debt 2:

    Total £190.20

    1st visit £24.50 Jun 07

    2nd visit £18.00 Jun 07

     

    Total £232.70

     

    Walking Poss fee - invalid as arrangement already in place

    Levy fee - invalid as arrangement already in place and invalid as on goods not belonging to your daughter

    Van fee - invalid as arrangement already in place

     

    So I make that a total of £476.38

     

    You've paid £409.00

     

    Which means a balance of £67.58 to pay.

     

    The odd fees of 35p you;ve been charged on the debit card and allpay transactions may well stand because altho we've seen a ruling that they can't charge a fee for credit card payments, I don't believe it covers debit cards (they are cheaper to process; in fact 35p is not bad).

     

    So if you add that on as well, the total outstanding is £69.33

     

    Bearing mind it's getting late, could someone else check my figures / reasonings to see if they agree? :D

  14. I'm trying to sort out what you should have paid, what they've charged, and what the difference is.

     

    Are you able list the following..

     

    Original debt 1 (and are you sure it's right?);

    Original debt 2 (ditto);

    Each individual charge they have made;

    How much you've paid in total.

     

    And to confirm, they arrived and levied on both debts on just one occasion?

     

    I know you've done this before, but it would help to have it all set out in one post :)

     

    I'll dust off me abacus and see what we can work out, then we can formulate a plan of attack ;)

     

    Karen

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