kregrs

November 26, 2010

I arrived home this morning to find a letter hand delivered thru the door, from one of Equita's foot soldiers. No time on the letter, but must have been early, as I got in from work at 5.50am, so must have just missed him. Its all to do with an unpaid pcn from Ipswich Borough Council, original charge £100, letter was demanding £308. I immediately paid the fine direct to the council online, and they have confirmed they have received this, and have have advised Equita accordingly, but that I still need to deal with Equita re the fee's.

Now, can they come back and clamp the car, as they were intending, or take goods for the payment of their fee's? I'm going to ask for a breakdown of their fee's as I don't agree 100% with the visits they claim to have made, and also having paid £25, plus £1 card handling charge, towards the debt, to be informed by the council that the debt actually stood at £79 and that they had only received £21 towards the debt, I'd like them to explain.

So, can they take goods to discharge their fee's?

Where is the missing £4 from, the card payment?

And how easy is it to get a refund from the council for the £21 overpayment made today.

Thanks,

Kregrs

September 13, 2010

I'll be sending the sar to council soon, in the meantime, a small result. After Mr Garratt of Equita refused to answer or reply to any communication to make arrangements to pay, and decided to leave a removal notice, I spoke to the council, and am now paying them monthly instead.

September 6, 2010

where can i find anything relating to the council having to honour the retro ctb application, just so I have something to quote to them/mp when I tackle them over it.

September 5, 2010

This really doesn't make sense How many months in arrears are you?? 16?? Surely not!! Is this the first DN you've received?

I'm currently 26 months in arrears, and apart from a dodgy default notice and subsequent dodgy termination recieved 24 months ago, I've heard nothing since!

September 3, 2010

I have moved address since, but for the years in question i was at the same address for each year. I started the ctb claims, but they say i didnt provide the proof or forms, but they have it on their system that the claim was discontinued, so if that counts, how do i get them to honour it. As for equita, they're claiming that they passed it on to the bailiff in the month between speaking to them, and payment being received, that is between 27th june and 3rd august, and so its upto the bailiff now.

Current council tax is up to date, and with a different borough council.

Finally, there is no doubt the debt is mine, but equita persist in spelling my name wrong. Not the usual mistakes, more dropping a letter and adding another elsewhere to make a totally different name.

September 3, 2010

the council is St Edmundsbury borough council, the debt is for the years 2002 to 2006, quite a lot of which i was unemployed. They say they wrote to me regarding ctb each time but i never replied, i honestly cant remember tho. Either way, they cant/wont retrospectively apply ctb which would knock a huge lump off the debt, despite me having the dates available for each period.

I've noticed in other threads its been mentioned that equita are collecting on the councils behalf and dont own the debt, could i therefore pay the council direct, and if so, do they have to accept it?

If not, as equita have cashed the postal order, have they therefore accepted the payment and afore mentioned payment plan, and should send me the paypoint card as requested, or am i way off track?

September 2, 2010

i have some unpaid council tax which Equita are collecting. At the end of june i spoke with them on the phone, made arrangements to pay weekly, 1st payment by postal order, then they would send a paypoint card to make payments with. Payment was sent, then returned to sender, so was resent via signed for at start of august, signed for on 3rd august. No paypoint card turned up, so rang them today to find out why, to be told that it had been passed to a bailiff and that he is now dealing with it. So, should they have done that, bearing in mind i was under the impression we had a payment plan in place, and what can i expect to happen, i gather he wont be looking to make a payment plan, rather to seize goods.

June 12, 2010

Just a general query re the title. Been talking to a chap on another forum who claims to be employed to repo cars, but is NOT a baliff. Is this right or is something a bit iffy. Am I wrong in thinking only a baliff can repo goods? I'm just curious to know. The chap in question claims to have repo'd a fair few lbl cars if that any help.

April 26, 2010

Believe there are no 'accepted or formal' rules to acceptance but generally the sooner the better would definitely apply. Some people look back through their records and realise they actually sent one ages ago, can be easy to forget that you may have actually sent one.

If you have paid after accepting termination the creditor could state you certainly didn't accept termination as you cpontinued to make payment - thus proof you didn't accept the offer to terminate as you acted as if that agreement endured. In effect you've given them a get out of jail free card.

The only plausible argument to this is that in your letter of acceptance you asked for an accurate arrears balance to be given so you can clear the amount lawfully owed, but the creditor did not provide it. Your payments were therefore offered to clear those assumed arrears and were not paid in recognition of the actual debt itself. I suspect however that an argument along those lines would be rejected by the court.

As for using the 'I didn't pay' argument as proof of acceptance that will get you nowhere if you also weren't paying before you accepted the termination - the court will look for a clear sign of acceptance.

So, the fact you didn't pay before and you didn't pay after would not be good enough as no real distinction .

So I'd best get a letter off to them, accepting the termination, over 18 months later :-)

April 25, 2010

Hi, if the default was invalid and then terminated on unlawfully, which you really must accept in writing to demonstrate your intentions,

Is there a time limit to accepting the iffy TN? Received mine back in Aug 08, and wasn't aware of accepting it in writing til a month or two ago. Although no payments have been made since their TN, so I'm assuming that could be a clear acceptance of it???

April 15, 2010

I received my DN in July 08, and TN a few weeks later, so account has neeb terminated for over 18months now, and I'm still waiting for Welcome to do something, no letters, no court papers, nothing in 18months.....

March 29, 2010

Right, had a little play, the black band under the address bar in pic below, how do I get it back to 'normal', as in, so it aint black and so can see the menu's in it, ie, favourites, tools etc

March 29, 2010

Platrium is, I think, something my other half installed, something to do with a game on facebook. It does start a lot faster now and prog's run faster, thanks. I did click to remove Platrium and google updaters before but they seem to still be there. So what are these tricks to speed it up.....

March 29, 2010

And again

Logfile of Trend Micro HijackThis v2.0.3 (BETA)

Scan saved at 20:43:32, on 29/03/2010

Platform: Windows XP SP3 (WinNT 5.01.2600)

MSIE: Internet Explorer v8.00 (8.00.6001.18702)

Boot mode: Normal

Running processes:

C:\WINDOWS\System32\smss.exe

C:\WINDOWS\system32\winlogon.exe

C:\WINDOWS\system32\services.exe

C:\WINDOWS\system32\lsass.exe

C:\WINDOWS\system32\svchost.exe

C:\Program Files\Microsoft Security Essentials\MsMpEng.exe

C:\WINDOWS\System32\svchost.exe

C:\WINDOWS\system32\spoolsv.exe

C:\PROGRA~1\COMMON~1\AOL\ACS\AOLacsd.exe

c:\APPS\HIDSERVICE\HIDSERVICE.exe

C:\Program Files\Java\jre6\bin\jqs.exe

C:\Program Files\Microsoft\Search Enhancement Pack\SeaPort\SeaPort.exe

C:\WINDOWS\system32\slserv.exe

C:\WINDOWS\system32\svchost.exe

C:\Program Files\Common Files\Ulead Systems\DVD\ULCDRSvr.exe

C:\WINDOWS\system32\SearchIndexer.exe

C:\WINDOWS\Explorer.EXE

C:\WINDOWS\system32\wuauclt.exe

C:\WINDOWS\SOUNDMAN.EXE

C:\Program Files\Common Files\Java\Java Update\jusched.exe

C:\Program Files\Microsoft Security Essentials\msseces.exe

C:\WINDOWS\system32\ctfmon.exe

C:\Program Files\Windows Live\Messenger\msnmsgr.exe

C:\WINDOWS\system32\sistray.exe

C:\Program Files\TrendMicro\HiJackThis\HiJackThis.exe

R0 - HKCU\Software\Microsoft\Internet Explorer\Main,Start Page = Welcome to Facebook | Facebook

R1 - HKLM\Software\Microsoft\Internet Explorer\Main,Default_Search_URL = Bing

O2 - BHO: Platrium - {B12ACA14-C7FB-44FE-883B-6121FD02BAD3} - C:\Program Files\Platrium\bin\1.3.585.0\Platrium.dll

O2 - BHO: Java Plug-In 2 SSV Helper - {DBC80044-A445-435b-BC74-9C25C1C588A9} - C:\Program Files\Java\jre6\bin\jp2ssv.dll

O4 - HKLM\..\Run: [iMJPMIG8.1] "C:\WINDOWS\IME\imjp8_1\IMJPMIG.EXE" /Spoil /RemAdvDef /Migration32

O4 - HKLM\..\Run: [PHIME2002ASync] C:\WINDOWS\system32\IME\TINTLGNT\TINTSETP.EXE /SYNC

O4 - HKLM\..\Run: [PHIME2002A] C:\WINDOWS\system32\IME\TINTLGNT\TINTSETP.EXE /IMEName

O4 - HKLM\..\Run: [soundMan] SOUNDMAN.EXE

O4 - HKLM\..\Run: [siSPower] Rundll32.exe SiSPower.dll,ModeAgent

O4 - HKLM\..\Run: [sunJavaUpdateSched] "C:\Program Files\Common Files\Java\Java Update\jusched.exe"

O4 - HKLM\..\Run: [MSSE] "C:\Program Files\Microsoft Security Essentials\msseces.exe" -hide -runkey

O4 - HKCU\..\Run: [ctfmon.exe] C:\WINDOWS\system32\ctfmon.exe

O4 - HKCU\..\Run: [msnmsgr] "C:\Program Files\Windows Live\Messenger\msnmsgr.exe" /background

O4 - HKUS\S-1-5-19\..\Run: [CTFMON.EXE] C:\WINDOWS\system32\CTFMON.EXE (User 'LOCAL SERVICE')

O4 - HKUS\S-1-5-20\..\Run: [CTFMON.EXE] C:\WINDOWS\system32\CTFMON.EXE (User 'NETWORK SERVICE')

O4 - HKUS\S-1-5-18\..\Run: [CTFMON.EXE] C:\WINDOWS\system32\CTFMON.EXE (User 'SYSTEM')

O4 - HKUS\.DEFAULT\..\Run: [CTFMON.EXE] C:\WINDOWS\system32\CTFMON.EXE (User 'Default user')

O4 - Global Startup: Utility Tray.lnk = C:\WINDOWS\system32\sistray.exe

O23 - Service: AOL Connectivity Service (AOL ACS) - America Online, Inc. - C:\PROGRA~1\COMMON~1\AOL\ACS\AOLacsd.exe

O23 - Service: Generic Service for HID Keyboard Input Collections (GenericHidService) - Unknown owner - c:\APPS\HIDSERVICE\HIDSERVICE.exe

O23 - Service: Google Update Service (gupdate) (gupdate) - Google Inc. - C:\Program Files\Google\Update\GoogleUpdate.exe

O23 - Service: Google Software Updater (gusvc) - Google - C:\Program Files\Google\Common\Google Updater\GoogleUpdaterService.exe

O23 - Service: InstallDriver Table Manager (IDriverT) - Macrovision Corporation - C:\Program Files\Common Files\InstallShield\Driver\1150\Intel 32\IDriverT.exe

O23 - Service: Java Quick Starter (JavaQuickStarterService) - Sun Microsystems, Inc. - C:\Program Files\Java\jre6\bin\jqs.exe

O23 - Service: ServiceLayer - Nokia - C:\Program Files\PC Connectivity Solution\ServiceLayer.exe

O23 - Service: SmartLinkService (SLService) - - C:\WINDOWS\SYSTEM32\slserv.exe

O23 - Service: Ulead Burning Helper (UleadBurningHelper) - Ulead Systems, Inc. - C:\Program Files\Common Files\Ulead Systems\DVD\ULCDRSvr.exe

--

End of file - 4036 bytes

March 29, 2010

Ok, removed as advised above, and re run HijackThis, log below...

Logfile of Trend Micro HijackThis v2.0.3 (BETA)

Scan saved at 20:22:11, on 29/03/2010

Platform: Windows XP SP3 (WinNT 5.01.2600)

MSIE: Internet Explorer v8.00 (8.00.6001.18702)

Boot mode: Normal

Running processes:

C:\WINDOWS\System32\smss.exe

C:\WINDOWS\system32\winlogon.exe

C:\WINDOWS\system32\services.exe

C:\WINDOWS\system32\lsass.exe

C:\WINDOWS\system32\svchost.exe

C:\Program Files\Microsoft Security Essentials\MsMpEng.exe

C:\WINDOWS\System32\svchost.exe

C:\WINDOWS\system32\spoolsv.exe

C:\WINDOWS\Explorer.EXE

C:\PROGRA~1\COMMON~1\AOL\ACS\AOLacsd.exe

c:\APPS\HIDSERVICE\HIDSERVICE.exe

C:\Program Files\Java\jre6\bin\jqs.exe

C:\Program Files\Microsoft\Search Enhancement Pack\SeaPort\SeaPort.exe

C:\WINDOWS\system32\slserv.exe

C:\WINDOWS\system32\svchost.exe

C:\Program Files\Common Files\Ulead Systems\DVD\ULCDRSvr.exe

C:\WINDOWS\system32\SearchIndexer.exe

C:\WINDOWS\SOUNDMAN.EXE

C:\Program Files\Common Files\Java\Java Update\jusched.exe

C:\Program Files\Microsoft Security Essentials\msseces.exe

C:\WINDOWS\system32\ctfmon.exe

C:\Program Files\uTorrent\uTorrent.exe

C:\Program Files\Windows Live\Messenger\msnmsgr.exe

C:\WINDOWS\system32\sistray.exe

C:\Program Files\OpenOffice.org 3\program\soffice.exe

C:\Program Files\OpenOffice.org 3\program\soffice.bin

C:\Program Files\Common Files\Teleca Shared\Generic.exe

C:\Program Files\Sony Ericsson\Mobile2\Mobile Phone Monitor\epmworker.exe

C:\WINDOWS\System32\svchost.exe

C:\Program Files\Internet Explorer\iexplore.exe

C:\PROGRA~1\MSNGAM~1\Windows\zclientm.exe

C:\Program Files\TrendMicro\HiJackThis\HiJackThis.exe

C:\WINDOWS\system32\SearchProtocolHost.exe

R1 - HKLM\Software\Microsoft\Internet Explorer\Main,Default_Search_URL = Bing

R1 - HKLM\Software\Microsoft\Internet Explorer\Main,Search Page = Bing

R0 - HKLM\Software\Microsoft\Internet Explorer\Main,Start Page = Hotmail, News, Sport, Music, Movies, Money, Cars, Shopping, Windows Live from MSN UK

O2 - BHO: Windows Live Sign-in Helper - {9030D464-4C02-4ABF-8ECC-5164760863C6} - C:\Program Files\Common Files\Microsoft Shared\Windows Live\WindowsLiveLogin.dll

O2 - BHO: Platrium - {B12ACA14-C7FB-44FE-883B-6121FD02BAD3} - C:\Program Files\Platrium\bin\1.3.585.0\Platrium.dll

O2 - BHO: Java Plug-In 2 SSV Helper - {DBC80044-A445-435b-BC74-9C25C1C588A9} - C:\Program Files\Java\jre6\bin\jp2ssv.dll

O3 - Toolbar: Platrium - {D53E4ACF-EDF5-4071-903B-F84B64FC1EA2} - C:\Program Files\Platrium\bin\1.3.585.0\BRNstIE.dll

O4 - HKLM\..\Run: [iMJPMIG8.1] "C:\WINDOWS\IME\imjp8_1\IMJPMIG.EXE" /Spoil /RemAdvDef /Migration32

O4 - HKLM\..\Run: [PHIME2002ASync] C:\WINDOWS\system32\IME\TINTLGNT\TINTSETP.EXE /SYNC

O4 - HKLM\..\Run: [PHIME2002A] C:\WINDOWS\system32\IME\TINTLGNT\TINTSETP.EXE /IMEName

O4 - HKLM\..\Run: [soundMan] SOUNDMAN.EXE

O4 - HKLM\..\Run: [siSPower] Rundll32.exe SiSPower.dll,ModeAgent

O4 - HKLM\..\Run: [sunJavaUpdateSched] "C:\Program Files\Common Files\Java\Java Update\jusched.exe"

O4 - HKLM\..\Run: [MSSE] "C:\Program Files\Microsoft Security Essentials\msseces.exe" -hide -runkey

O4 - HKCU\..\Run: [ctfmon.exe] C:\WINDOWS\system32\ctfmon.exe

O4 - HKCU\..\Run: [swg] C:\Program Files\Google\GoogleToolbarNotifier\GoogleToolbarNotifier.exe

O4 - HKCU\..\Run: [uTorrent] "C:\Program Files\uTorrent\uTorrent.exe"

O4 - HKCU\..\Run: [msnmsgr] "C:\Program Files\Windows Live\Messenger\msnmsgr.exe" /background

O4 - HKCU\..\RunOnce: [Mah Jong Quest III BVRPOLR] "C:\Program Files\InstallShield Installation Information\{D4C13694-E359-4E67-94E2-DFC4FBC35A56}\Setup.exe" -runfromtemp -f2D:\DOCUME~1\Dave\LOCALS~1\Temp\Setup.log

O4 - HKUS\S-1-5-19\..\Run: [CTFMON.EXE] C:\WINDOWS\system32\CTFMON.EXE (User 'LOCAL SERVICE')

O4 - HKUS\S-1-5-20\..\Run: [CTFMON.EXE] C:\WINDOWS\system32\CTFMON.EXE (User 'NETWORK SERVICE')

O4 - HKUS\S-1-5-18\..\Run: [CTFMON.EXE] C:\WINDOWS\system32\CTFMON.EXE (User 'SYSTEM')

O4 - HKUS\.DEFAULT\..\Run: [CTFMON.EXE] C:\WINDOWS\system32\CTFMON.EXE (User 'Default user')

O4 - Global Startup: Utility Tray.lnk = C:\WINDOWS\system32\sistray.exe

O9 - Extra button: Blog This - {219C3416-8CB2-491a-A3C7-D9FCDDC9D600} - C:\Program Files\Windows Live\Writer\WriterBrowserExtension.dll

O9 - Extra 'Tools' menuitem: &Blog This in Windows Live Writer - {219C3416-8CB2-491a-A3C7-D9FCDDC9D600} - C:\Program Files\Windows Live\Writer\WriterBrowserExtension.dll