Jamesx81x
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Everything posted by Jamesx81x
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One for someone more in the know how!! Are they not supposed to log the serial numbers of goods they levy?
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Use the councils complaint procedure as painstaking as it is, no joy with them then just refer it to the ombudsman then the council will have answer themselves to them. Hold your ground and do not give in, you have done nothing wrong.
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No worries, done it
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Thanks Tomtubby So to be clear if the PCN is below £100 they can only charge £28 even if their additional charges take it over James
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Ty Just one more thing, if their first visit fee takes it over £100 can they then charge the 28% or does it relate to the initial charges only
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Hi What exactly is a bailiff allowed to charge for two visits to your property when acting on a PCN where no levy has taken place. Also where does it state these Thanks
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I have issued a brief POC via moneyclaim online today Regarding the detailed particulars of claim is there a certain format that these need to be laid out? Any rough template for me to go on would be appreciated. James
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Having trouble with QQ
Jamesx81x replied to turkwyfe4lyfe's topic in Quick Quid and associated trading names
Should be an Arrangement to pay marker AP Closed and settled is just that, they cant go changing it as they see fit as it is incorrect -
Ok thanks for the help!
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Thanks Andy Can they be claimed if it is in the small claims track? Thanks
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Hi When making a new claim on a Form N1 in the section 'amount claimed' do you also included any costs you are claiming when acting as Litigant in Person or is this sent as a Bill of Costs afterwards?Thanks
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Motormile Finance Harrassment - New thread
Jamesx81x replied to sillygirl1's topic in Motormile Finance UK Ltd/Lantern
Having same problem, automated text messages at work for all to hear, very embarrassing and certainly harassment. Asked them to stop but no effect. Can you take action through the courts to stop them on grounds of harassment and breach of DPA? If so what form is it? Thanks -
Hi They sent me the details without the need for a SAR which was good. On the statement it details 2 attendance fee's which total £196. The bailiff came to collect and i paid up at the time as i had the money and didnt want to gain any further fees. This was his first time at my property and he had not attended prior to place any levy. Knowing what i do now i understand they have no right to charge these attendance fee's unless they had previously attended to levy and were returning to remove goods. I was not aware of that at the time. I have written to them giving them the chance to refund the attendance fees due to them not been due under the regulations otherwise next will be a court claim and they can argue they correctly added the fee's to the courts. Is this the best way to go about it? As am not letting up in the slightest with them just as they do not us when shoe is on the other foot. Thanks
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Even though the council have taken back the account I would still contact the court to see if you have grounds for complaint agains the bailiff Why should he be allowed to get away with actions he blatantly knows are against procedures Only way it will stop is if people make the complaints when they have valid grounds to do so! Also the fact the council took the account off them will help too
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Sorry read that bit wrong they can charge you for the visit unfortunately
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Hi Someone will correct me if am wrong but am pretty sure they have to list all items they levy in walking possession and give you a copy If he couldn't access all the goods listed they are just as good as saying he never saw them! If he didnt have access he wouldn't be able to levy. Furthermore if the council have taken the account back they don't agree with their actions otherwise they would have left the account with them. Don't pay Jacobs the money they have done nothing for it, if they persist contact the bailiffs certicating court and see if you would have grounds to make a form 4 complaint then use it to either get them to back off or go through with it depending on what the court said. James
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Hi Fairly complex case but ill try saying it as easy as i can. I am part of a pension scheme where i pay a percentage of my income into a work placed pension scheme. I also have my wages abated which a recent report determined was for 'pension purposes'. It is written into my contract that even if i opted out of joining the pension scheme on offer i would still have the abatement deducted from my income. Now how is it legal for an employer to deduct money from your income when you are to receive absolutely nothing back? Also a term in an employment contract that states - even if you opt ou of the pension scheme we are still going to take money from you. Would that not in itself be deemed as an unfair term? To clarify a little, over a 30 year career my eomplyers would take £82,000 for basically nothing. I would not see a penny back in any form. In essence i am paying to pensions, the one i am currently part of which stress i do not have any problem with. Then there is the money that is been taking from me by my employer for which i will receive nothing. Id like to see just how legal this is and how it can be possibly justified in any way. Thanks for your time guys, complicated but its not right. James
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Thanks Andy
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Thats my point you give consent to a creditor who is advancing you credit to report your account to a credit agency. Im going to have to have a look back over things as it is only for £57 and am sure it was paid when we moved but ill have to look. What i am sure is no notification stating pay this amount or we will record the entry on your credit file was ever received.
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It certainly is a grey area I do not see how this kind of information kind be placed on a credit file The clue is in the title credit file, when a creditor advances you a form of credit and you default it is to be expected I mean where does it end, you have a contract with a builder miss a payment or dispute it they can then add a default to your file? Very annoying
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Thanks Andy it was a landline account from years ago I understand what you are saying regarding the contract and breaches need to be given the chance to be rectified What I don't get is how they can place a default notice that with regards to credit are issued under section87 on your 'credit file'! You haven't breached any form of credit agreement! As you said they are not regulated by the cca so I don't get how this form of defaulted account can appear on a credit file!
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Hi How can BT and other utility companies place defaults on your credit file? It is not a credit agreement you are signing upto it is a sevice agreement where you pay for services used. No form of credit is been advanced. Seen as default notices are issued under Section 87of the Consumer Credit Act im just wondering who they work out they are entitles to issue them?
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When you say 'lumbered' did you know they had changed the account or did they do it without your knowledge. It is mis-sold if a product is added without your consent as you are entitled to review the details and make an informed decision or You agreed to the account but on the basis of false information ie, the bank saying you were entitled to benefits that were of no use to you. James
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If the upgraded accounts without your knoweledge or advised you incorrectly by stating the package would benefit you better when it would not at all then that is mis-selling just as PPI.
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Ok thanks for the advice, ill see if the council manage to give me the details then send a letter off. Failing those things ill send a SAR Thanks James
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