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  1. This topic was closed on 2019-03-08. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  2. This topic was closed on 2019-03-08. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  3. Ok to update. I spoke to Capita and they confirmed that they had passed the debt to Equita on the 2nd January and had ignored my email requesting clarification about how much I owed them. I submitted a complaint to Bexley Council and a separate one to Equita regarding CIVEA guidelines. Today dead on the ten day limit for response Capita / Bexley Council have emailed to confirm that Equita have waived the compliance fees and have sent the case back to Bexley, so the case is now closed. Now I just have to wait for my 25% discount money back....
  4. Apparently they will accept a statement from a third party confirming I was the only person residing at the property at the time. I've tried to call them today to confirm if everything is now clear and they are closed. Not too sure about speaking to Equita until I have spoken to Capita about why they forwarded the debt on whilst I was in the process of making arrangements to pay it. Will update when I speak to them both on Monday
  5. Sorry if this wasn't clear but basically the council obtained a liability order for each amount owing, which was over three different years due to when I moved in and moved out. It appears the whole debt has just been passed to Equita, and they have treated it as three separate debts and added enforcement fees of £75 to each of the years owing. I've spoken to the council tax helpline which is run by Capita, and got a fairly helpful lady who has passed everything to the enforcement team so they can let Equita know it has been paid. She wasn't certain if I was still going to have to pay Equita the money they have added to the debt. Not sure when the debt was passed to them so will have to ring the helpline tomorrow. The text message I got was "please contact equita limited" with a number and a reference. Nothing more than this. As they haven't sent any formal notice and have now paid the balance in full I am wondering if I can tell them to get stuffed for the fees they have added as they are unreasonable given the circumstances
  6. Ok I will try to keep this as straightforward as possible. In 2004 I was living in a property which I subsequently moved out of in 2006. Whilst living at the property I didn't pay Council Tax as I was under the impression it was covered within my tenancy agreement. In 2009, I was sent Council Tax demand for the previous address. I contacted the council explained the circumstances, and told them to confirm what I had told them with the letting agent. I didn't hear any more from them until 1st December 2014 when I received bills covering the time I was at the property. I rang them and asked them for a copy of the account and any liability orders. I received a letter stating that a liability order was issued on the 10th November 2008 which they sent me on the 13th December minus the actual Liability Order documents I contacted them again on the 19th December stating that at the time of living at the property it was a single occupancy and could they amend the amount owed to take this into consideration and I would pay the full balance immediately. They finally contacted me back on the 6th January stating that I would need to prove I was the sole occupant in order to obtain the discount. I emailed them back the same day requesting information on how I could prove this and pointed out that their own records confirm I was the sole occupant. To date I have not got a reply from them. Today I have received a text message for Equita asking me to call them. Realising that Bexley Council were not going to reply and had passed the debt to Equita (I googled the name and reaslised who they were) I went on to the councils website and paid the full outstanding balance. I rang Equita to let them know that I had settled the full amount and they informed me that I owe them £75 for each of the Council tax bills passed to them for enforcement. I pointed out that they hadn't actually even written to me about the money owed and the member of staff said it didn't matter I still owed them. It was at this point he said he couldn't see the payment made to my council tax account and suggested I call them back tomorrow. At this stage I am just wondering where I stand with this as I cannot understand why the council have passed this to Equita given that the delay in making a payment has been as a result of them taking so long to give me the information to allow me to pay the amount I actually owe, rather than me refusing to pay.
  7. Thanks for the reply. It was a private sale, so will ping off that email to him tonight Terry
  8. Hi I sold a motorbike recently on ebay, which I stated had been off road for five years. The bike went straight through its mot. Now the person who bought it is claiming that it broke down on the way home (he bought it without test driving it first). Now he wants money towards the cost of repair, not too sure where I stand legally with this or what I should tell him. Needless to say I'm not keen on paying anything to him :? Terry
  9. Quick question if I may. Abbey have falled to respond positively to my LBA etc, and I have been waiting for my SAR - (Subject Access Request) since April. I have filled against them for this matter, and they have put in their defence. The only problem I have now is that the amount that I am about to submit a moneyclaim for is estimated (£3189), So I am wondering what I should do as far as claiming the 8% interest as I cannot see how this can be calculated. Do I just stick the claim in, then amend it, if they give me the information I require?
  10. Had a look back through the printouts that Abbey has sent me and it appears that some of them are actually from microfiche. Have a look see if yours are the same. What you are looking for is what looks like a verticle list of transactions that looks like a computer print out, however at the bottom it will have either: **** ACOUNT CONTINUES **** **** END OF ACCOUNT **** If you have prints like these then they have already given you some of the information from micofiche, which blows the whole difficulty issue out of water!!!!!!! I'm looking forward to Abbey explaining this one away in court
  11. Had a thought while I was reading your thread. When I used to have to request copies of an application form, which were stored on microfiche, and came from the same department, the service agreement level was a 24 hour turn round!!!!!!!!!!! So the system they use must be more than suitable to find the movement prints of the account terry
  12. Sorry to dissapoint you, but Abbey has been doing it this way for a very long time. I think it may have something to do with when they changed the design of the statements, which was a few years ago now.
  13. The blackmail argument got me thinking, and it does seem to fit the offence very well ************************************************************* S21 Theft Act 1968 A person is guilty of blackmail if, with a view to gain for himself or another or with intent to cause loss to another, he makes any unwarranted demand with menaces. ************************************************************* This is a very serious offence and could see the writer being imprisoned for upto 14 years. Needs to be reported at your local police station not to the ICO. I would seriously consider writing back informing the writer that you intend to report the matter to the police, as blackmail If you do, I would suggest taking a copy of S21 with you to your local nick, and if they try to tell you its a civil matter, get them to explain why it doesnt fit the offence (they wont be able to)
  14. What I would suggest is to order the full set of statements online, or ring telephone banking on 08459724724, as abbey wont charge you for them anyway. Then I would submit the DPA request the same day, either by post or taking it into your local branch (see post on branch procedures). Although they can be abit slow sometimes a statement request wont take the full 40 days to come through to you. Worst case scenario you end up with two sets of them, but if it all goes wrong and you dont get them you still can report them to the information commissioner
  15. Yeah your right, they need to supply everything youve asked for to comply with the act, or state why they cannot.However its worth bearing in mind that if you give them another chance and they still dont comply, it only makes the case with the information commisoner stronger. At the end of the day after waiting 40 days for it another 7 wont hurt too much. If you report them I reckon they would say that it was a "misunderstanding" and as far as they were concerned you were happy with them treating it like a normal request for statements. Or they will say that they had posted it, and that as far as they knew you had recieved it!!!!!! If they've done the job properly the complaints team will have a copy themselves for when the claim goes in, so the minute they know you aint playing anymore they will get another copy out sharpish
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