alfiemac
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Posts
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Thank's for that %Osrtrich% yes i think you have hit the nail on the head i did pay on the first visit and that was my whole point of this thread which went a bit mad, if someone had to call to my property maybe 3-5 times to make contact with me as i was at work then yes i would gracefully accept the £235charge, but these Enforcement agency representatives don't even have to make personal contact as long as they leave a letter at your property and they are able to provide evidence of being at the address, which they can by wearing a body camera which records them being at the house. I was going to request the recording to check they knocked on the door but they dont even need to do that!! its a crazy world we live in, at least with online shopping i can get free delivery. Thank you
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What a load of rubbish, if everyone paid their bills on time you my friend would be out of a job for one, and don't know where you get your statistics from you start at 10% then 20% then 30% are these stats plucked out the sky like the£235 charge.
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Thanks to everyone for their input, a lot of people are saying i don't get it, but i do get it and understand charges and the fact that it is legislation and charges need to be applied and don't mind paying charges, the point is, the amount for one hand delivered letter, Thats what i don't get!!!. I challenge my local council after they charged me £125 for a covenant letter, which was a standard letter, which i had to have to sell my house so i paid it, they told me the same that it was legislation and the law tells them to charge this amount, when my house was sold i challenged the£125 as being an unreasonable reflection on the costs incurred to the council to produce the letter, and i received a cheque for £75 a couple of weeks later, which meant i paid £50, which i thought was a reasonable amount.
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Yes thanks for that and might just do it, will probably pay the 100 pounds to apply to the court to enable the court to make a detailed assessment of the bailiffs costs and allow Rossendales to explain the charges and also ask a court to decide if the costs were legal, reasonable and applied correctly, that is once i have spoken to the council to ensure that debt recovery action was reasonable, legal and proportionate, good practice was maintained, and as that the bailiff is acting for the council, and that the council have agreed with their enforcement agencies reasonable fees. Thanks again
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Never once had any problem of paying what i owed in council tax and don't need hugs honestly, not looking for sympathy just thoughts on being legally ripped off, poor postmen trudge through snow and rain to deliver letters day in and day out at 7am and get a measly £235 per week for 40 hours work delivering thousands of letters a day by hand so what makes a bailiff unique in the fact his company gets £235 for one delivered letter, they have not done anything to justify this cost as the outstanding bill was paid. Where has a weeks work been done to justify the amount of £235? it hasn't!! , a fair days work for a fair days pay is what i was always told to believe.
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Thanks for the reply and i am not like the Government i cant pluck a figure out of the sky, is this why the seven biggest bailiff firms *generated over £100 million in turnover last year, quarter a tank of fuel must be about 25 quid, that leaves £215, you get paid a percentage from all debt recovered from the council so you are on a win win basis, don't see your argument sorry!!
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So are you saying that just because it is the law that the charges of £235 are justifiable, did they just pluck this figure out of the air, all i am asking for is a break down of where my £235 went and if they said they drove from London and needed this for petrol then i rest my case, but i know they are local, just because something is written in the terms and conditions or a recommended charge does not mean it is correct, just look at bank and credit card charges which was overturned by people making a fuss. Yes i agree if they had to take control of goods or enter the property or clamp and take my car and lift it off the drive, but come on lets be realistic a charge of £235 for 1 hand delivered letter which has got to be disproportionate, or am i missing something.
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Thanks so much for the reply, yes totally agree and i think your calculations are about right, it was just the astronomical fees for putting a letter through the door which must have taken them all of 10 minutes, nice work if you can get it over £1200 per hour, just would like them to justify where the £235 went and what did i receive for that amount other than a hand delivered letter.
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Hi and thank you for taking the time to read this, I have been receiving letters for my council tax arrears throughout this year from April 2014 and basically putting them in the drawer and not acting upon them. Last week 03 Feb 2015 i came in from work and there was a hand delivered letter from Rossendales requesting £1650 within 24 hours. I managed to get the money together and rang them the next morning as i was not happy with the amount on the FINAL NOTICE letter. They informed me they were coming that day to take my goods, i drive a nice car so i just paid it over the phone by debit card to Rossendales to get them off my back. My question is do i have any claim against the £235 charge they added to the account for turning up at the door and is this charge not disproportionate for the activities carried out in respect of the cost, as in line with bank charges etc, or do i just have to accept being shafted to the sum of £235 and learn from experience and read my letters from now on? Thank you Alfie
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Hi, I had a bit of a cash flow problem 6 months ago and fell into arrears with my second mortgage which is now thankfully back up to date. For this i was charged 3 x £65 what Acenden call an early stage management fee. I refused to pay the 3 x £65 = £195, and as this now equals more than 1 months arrears i am being charged £65 every month even though my payments are up to date on my loan, i currently stand at charges(arrears they call it) £325 and growing £65 by the month!!. I am currently in the process of trying to reclaim not only these charges but other charges applied to my account over the last couple of years. I do not want to pay this amount which in reality are charges on top of charges as if i pay it might be viewed as admitting to the charges added, and as i say my payments are up to date. Any advice would be greatly appreciated, as i have asked Acenden to freeze the charges until such a time i can go to court but they point blank refuse. Thank you in anticipation Alfie
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Hi All, I took out a secured loan in April 2005, and missed a couple of payments and now have thankfully caught up to date with them, capstone informed me i would be charged 116 pounds whilst in arrears. Whilst i was checking my terms and conditions for verification of this i came across my London personal loans mortgage deed signed by myself and my wife. The name of the witness (the gent doing the agreements),was also present on the deed form, but there was no witness signature from him next to either of our signatures to authenticate our signatures, nor any date or agreement number on the form, i have the carbon copy. The question i need to know is although the loan agreements were signed correctly, as our signatures were not witnessed correctly on the mortgage deeds, have Capstone any charge on my property if i fall into arrears whilst i am still paying the loan???also if not how can i have a secured loan on my property with incorrect paperwork Any help would be greatly appreciated Thank you
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