Thank you! Please let me know if I should post up claim form and judgment paperwork awarded against me. Thanks

Hi! Yes I will do that! Sorry if this is a stupid question - how do I go about getting this form? I can make a start on it tonight straight after work. And no problem about the info you require - I will post up by 2pm. Would it be help in seeing the CCJ claim form and judgment? And yes all calls logged. In fact, every time I phoned the council to get answers - they emailed on the same day starting with “following from our telephone conversation...” so I have my logs Thanks

Hi That was verbally said to me on my last call to council regarding CCJ. I will post up all my correspondence with collections officer and legal officer so you can see what nonsense they are running at THH. As it was verbal, is there anything I can ask the council by email to get them to reply by writing about removing this CCJ? I assume it’s important to get everything in writing when dealing with these institutions.

Also - should I email the collections officer regarding an update to removing my CCJ? Or should I go straight to the solicitors for an answer? Thanks

Good morning! Sorry for the confusion to some of you - I genuinely thought i was being clear about it in serveral posts. But the CCJ relates to my rental property. This is NOT where I live. I have a family home to which council letters get passed onto regarding my rental property. Council provided my correspondence address to solicitors but solicitors we’re sending it to my rental property. As for PDF - I will post it up around 2pm or before as I’m in meetings all morning. Bear with me guys - sorry for the frustration as I thought I was cooperating in the way and form you guys wished. Thanks

Hi Andy No problem I can do that Question - when you open it, are you not able to zoom in? Or are you referring to the zoom in that you can’t really see? No problem either way! Jay

Good evening Thank you for taking the time to help reply earlier with case name. My son is studying law - I can ask him to access the law reports through his uni access to cases/legislation etc. I think he mentioned WestLaw and NexisLexis or something. Attached is an email admitting liability. Although solicitors name was not mentioned, it is Judge and Priestly located in Bromley. I checked post incase Lloyds complaint closure came through - nothing as of yet. Hoping I hear something tomorrow. Let me know if you require any other information. Jay email.pdf

Hi! I think I answered that in one of my posts - sorry if I wasn’t clear. But basically, solicitor didn’t admit to me directly; when council looked into CCJ being sent to my rental property, solicitors admitted to the council that they messed up. In turn, council informed me of this between email correspondence between council and I. I have that printed out as I used that as proof for my official stage 1 complaint to council. Will it help if I upload this? But to clarify - solicitors didn’t admit to the liability directly to me as I’ve had no direct communication with them yet... Thanks Jay

Hi! Council informed me of the CCJ being removed but with no time frame at all. Other than, it could take a few months. And yes exactly - I strongly informed them that this entry is removed from my file as though it never happened. I’ve said that in my complaint to council as well as email correspondences with council collection officer leading up my official complaint. I’ve a copy of the claim form and judgment / both of which were sent to my rental property as opposed to correspondence address. I will get a copy of my credit file today off Experian or something. Or is there another credit reference agency I should use? I will await for my SAR documents to come through and that will hopefully give me a better picture on what happened. I definitely did not go and change one single thing - I’ve not had to. And definitely wouldn’t go messing around to place a reference for 6mnths only to go and remove it again. That would be very dumb.

Good morning! Perfect - thank you for your help so far. That period is exactly what has me baffled. Honestly, if I went and changed the SO, then I would remember. I will await for all the documents to arrive from both parties and see what I can do. Regarding solicitors now taking responsibility of removing CCJ - should I contact them directly and get an update of where they are as such with it...? Also - a question for banking experts - how likely is it that a new SO was setup without my knowledge? Say for example, council bank details had changed - would an old SO be cancelled and a new one setup with new details? Thank you. Jay

OK - you've hit the nail on the head with your above understanding! Sorry it took forever. ** Standing Order supposedly cancelled in Aug 2016 and immediately, a new one set up when the old one was cancelled. And yes, payments were being received and about 10 payments went into suspense account. And no effort was made to investigate where and who it came fro. The only time they investigated was when I questioned the CCJ - I have the council first email stating where they investigated and found my payments.

Hello Thank you - I appreciate you saying it how it is. Its frustrating to be dealing with these companies and institutions because I've never been in such a situation. And now that I have after 55 years of being in existence, I am doing what I can. So regarding the complaint or correspondence with Lloyds - the complaints manager said they will be sending their response to me by post as to what they found and offred as a way of compensation etc etc...which is when I can respond to take it further. I guess I wait for this to come now? Probably will arrive tomorrow. Would it be worth doing an SAR for this complaint and what they have on their system? Presumably they record everything, I can ask for recordings should troubles lay ahead...? I'm sorry for being naive, but I have no experience in these matters so kinda going off what I see in the movies lol. Noted on the guide. I have installed a recorder on my phone. So going back to speaking to Lloyds by phone, I have a complaint file number and the chap I spoke to - will that help should I request an SAR about my complaint? Currently as my SARs stand and described above - will they be enough? Or should I ask for more information? So the Ombudsman is the route I wanted to go down. However, I read that in order to go down LGO, I have to exhaust council complaints procedure. I am on stage 1 which will come to an end Monday 19th March. I think there were 3 stages before I can go to the ombudsman and I highlighted that to the council complaint letter that I am not hopeful the council will do anything to help, so I will be looking to contact LGO... Should I also go down the route of FOS? I heard they can be pretty useless... I am ready to take whoever I need to take to court. But my gut feeling is that the bank messed up and they are tryig to wash their hands off the problem as quickly as possible. I told the complaints handler at lloyds that I am not going to accept a mere £500, instead I am looking upwards of £50k for the problems they've put me in. And told him in a polite manner that I don't care whether or not he thinks its reasonable or not, but the fact that Lloyds are trying to sweep my complaint under the carpet, really says they are hiding something. And noted about SRA - I will keep you posted. So regarding point 6, I will put it in time line order: 1. Original SO was setup in March 2011 and carried on being paid for the same amount of £88.96, which always had a payment reference. No issues of missed payments/being in arrears. 2. Fast forward to August 2016, apparently I stopped the original SO and setup a new SO in Aug 2016, with no payment reference in order for the council to allocate the money to my Service Charge account. 3. When the CCJ came to light in Jan 2018,I personally went to the bank to see what was going on. Bank clerk told me that the new SO set up in Aug 2016 had no payment reference, so he put it on for me - my visit to the bank was on Jan 10 2018, this year. 4. it becomes weird, because the council are telling me they never received payments with a payment reference between Aug 2016 and Dec 2016 and Jul 2017 and Dec 2017....but received payment with payment reference between Jan 2017 to Jun 2017. So on that basis, bank would be liable because I never instructed them to take off the payment reference, only to put it back on, and then to take it back off. And then put it back on Jan 10 2018. Conflicting stories between bank vs council. I hope the above made some sense? Thanks Jay

Hi! Firstly, apologies for copying your questions and answering them. Won't do that any more! 1. I will ask for info held by the solicitors after I've sent this post, by way of SAR. 2. I have asked the council for it - they have until 2nd April to reply. From them, I requested - all info relating to my CCJ, payment/bank ledger of all payments received by council bank (namely to check the reference issue for 2 periods of non-payment and then the middle period with reference), as well as any mandate sent to me and signed by me to change SO, if any. 3. I have also started stage 1 complaints procedure with the council. Thir head of leasehold department is investigating and will get me a decision of his findings by 19th March, next week Monday. 4. I have initiated a complaint with Lloyds - which got closed on Friday last week, because I declined their offer of £500 compensation. I have repeatedly asked the bank for SO details for each and every SO payment made to beneficiary council account, specifically SO payment details including payment reference. It felt like they just wanted to close complaint and be done with it. As a result... 5. ...I have sent an SAR to the bank over the weekend just gone, requesting all SO payment details between Aug 16 to Jan 18 aswell as proof of SO being changed back in Aug 2016 (hoping they have some sort of paper trail). So far I have not had to pay the £10 processing fee. And apparently law is changing from May where no more £10 fee applies. 6. Sorry about the unclear answer. Hoping this helps. Bank are claiming that the existing SO started in March 2011 was cancelled and then in August 2016, a new one was setup. For 5 years, the 2011 SO had a reference but when the new one was setup, no reference was placed. But what is weird is that, according to the council payments/records, payments made between Aug 16 to Dec and Jul 2017 and Dec 2017, had no reference. It begs the question, what about the period in between (Jan 2017 to Jun 2017)?? Council said they received those payments with a reference. when I popped into the branch in Jan 10 2018, when the CCJ came to light, the bank clerk advised me that no reference was set up at all since Aug 2016 when new SO was created, so he went ahead and placed it there and then. Conflicting stories between what the council and bank are saying about these payments. Did that make more sense? 7. Bank correspondence was all done through the telephone as I had a complaint agent assigned to me, who apparently was noting everything down on what I said and what h'e said to me. Since the complaint has now been closed, I am waiting for their response before I can write to them to take the matter further, which I plan to do in writing. Having spoken to Lloyds over the phone up until now, is that a problem? 8. When dealing with the council, It has been via email. All of which I have saved and printed to use as a basis of my complaint to the council. I hope that answers your questions. If not, please let me know what else you would like to know. Thanks, Jay

Hi Sorry - I didn't fully get that bit. But do you mean, when I receive replies as such, I won't get email notifications sent to me as I am using hotmail? Thanks, Jay

Good evening, Sorry for the late reply. I was at work and just got in and immediately checked this. So in answer to your questions, I will place mine in red next to yours: For several years you had and establish standing order going out to pay certain bills - correct. The only bills going out from this specific bank account are Service Changes to council and Mortgage payments. And then rental income coming in. That is it. For reasons which have not been explained yet, your bank cancel the standing order and then set them up again but this time failed to put a reference number. (Is it correct that the bank cancelled the SO without your instruction?) - according o the bank, no one apart from me changed the SO - so cancelled the Mar 2011 to Jul 2016 which had reference. Aug 2016 onwards, new SO was setup but without a reference. I definitely had no reason to cancel or amend it. Bank are saying I set up new SO without reference and only put on a reference when I went into branch Jan 10 2018. However, council pay confirmations say otherwise - Aug 2016 to Dec 2016, payments made with no reference; Jan 2017 to Jul 2017 payments made with reference; and Aug 2017 to Dec 2017 payments made with no reference. Because the money was received by the council without any reference number, they couldn't allocate the money to your account and so they considered that you were failing to pay and going into arrears. - correct. And they followed procedures to take court action. They instructed their solicitors who wrote to you at an address which they had on file but which was not your correspondence address. However they did have your correspondence address on file as well and they had provided this to the solicitor. - correct.But for clarity - council initiated court action. I have an email from the council saying that their solicitors made the mistake because solicitors were sending court summons to rental property and not correspondence address - council mistake. Council provided correspondence address to solicitors when instructing them to take me to court. What annoyed me most was that the legal department for leasehold collections, the rep did not want to help - her answer to every question I had was answered with, I cannot answer any more questions about your CCJ. You will receive a letter once payments clear. but I said that you were the one who initiated court action, if not you, then who on earth do I ask?! I have made a complaint against her to the council in any case. The solicitor has now admitted liability and is taking steps to have the CCJ removed. - correct. For clarity, I had no dealing with the council solicitors. Been dealing with the council directly who've informed me of their mistake and that the solicitors will bear the costs for removal of CCJ. These are the facts as they relate to the various liabilities in the matter. - correct. As a result of the various mistakes made, your ability to obtain credit has been compromised and you have even lost the purchase of a property. - correct Please can you confirm that what I have outlined above is correct or else can you briefly correct anything that I have not understood. It would be helpful if you would post up the solicitor's letter in which he admits liability. You can redact your identifiers. - I just have the email correspondence with the council collections officer who contacted the solicitor, who in turn confirmed to me in writing that their solicitors made a mistake. Would you like to see? I've had no dealing with the council solicitors. I even asked if I can contact them directly, the collection officer apparently spoke to the council senior solicitor who advised to go through the council. Is that correct? Or can I go directly to the solicitors? Please would you let us know which bank we are talking about. - Lloyds Bank. Please let em know if you need any more info from me. And I would like to really say a MASSIVE thank you for taking the time to help me with this query. Jay

thank you! When did they get their case won? Do I go through the courts or their internal complaints procedure and then ombudsman? Thanks

thank you I lost the house purchase yes - that is the only reason how I found out about the CCJ in early January, when CCJ was issued in June 2017. And the same for car purchase - which I was going to do soon after buying the house, but was not able to due to CCJ being found. I want them to pay compensation - both parties. But I do not know who to go after. I thought about going after solicitors as they would have indemnity insurance but I don't think I can. Again no legal expert here... Thanks

Hi! I am new on this forum and would love some advice/guidance in what I can do. Here is the back story where the dates become quite important: I own a council property, and have done so for many years. SO set up to pay service charges to council every month of £88.96. This was setup in March 2011. Any under payments were always taken care of by a cheque at the end of the year to bring account back in line. Fast forwarding to 2017, the council have found that there was non-payment of SC between the period Jul 2017 to Dec 2017. And in light of this period of non-payment, the council also found that there was non-payment between Aug 2016 and Dec 2016. The council have said several letters were sent to my correspondence address (different to my rental property), but I never received any of the letters. If I had, I would have made payment as the funds were there. as a result, council took action in the form of legal proceedings to recover these payments. And subsequently, a CCJ was issued in June 2017. However, the court paperwork/summons were being sent to my rental property by the councils' solicitors, despite council providing my correspondence address (I have email confirmation council even admitting to this). So I had no knowledge of the CCJ in the first instance. Only last month, my family and I were trying to buy a house and upon doing credit checks, I found this CCJ to be in existence, 6 months after it had been issued. I contacted the council, who have said that they investigate and found payments were being made - by my bank as a SO ( bank statements also show this) but there was no payment reference attached to the SO's in order to correctly attribute any SC payments to my SC account. Monies were being held in a suspense account. All those 10 payments for the 2 periods above, were to have been received just without a reference to payment. I immediately, contacted the bank and asked what on earth happened and opened a complaint and told them I have received a CCJ. They investigated, and advised me that: in Aug 2016, previous SO (Mar 2011 to June 2016) was cancelled and a new SO setup in Aug 2016, just as when the arrears started. no reference was put in place when new SO was setup. I only went to the bank on Jan 10 2018 to put this in place. In light of the above, I never have gone to the bank to change any SO details because that bank account was only in relation to rental income and outgoings. there was no reason for me to go and change any details/payments of something I had in place since Mar 2011. But the main question is, what on earth happened between Jan 2017 and Jun 2017? As far as I am concerned, the council received payments with reference; which is what I asked the bank. They could not confirm nor deny this was the case other than a payment reference being put in on Jan 10 2018. Sounds very bizarre. Both the council and bank were not helping in the documents I wanted. There I did the following: Under SAR - from the council, I requested all info held on me regarding the CCJ as well as bank ledger showing payments being received by the council with payment reference in the middle period and not both periods either side; AND Under SAR - from the bank, I have asked the bank provide detailed info of all my SO's between Aug 16 and Jan 18, as well as any proof of documentation me making a change to my SO back in Aug 2016. Both are still pending and should be received no later than 2nd April 2018 under the statutory time limit. And any arrears outstanding were paid immediately by cheque to bring SC account back in line. However, my main question is, who can I claim for compensation - either parties or both? And for how much? is has left me in such a pickle because I lost a house in the process to purchase and to buy a car on finance for my business. And my insurance will be soon come for renewal which will undoubtedly be affected. Council have admitted the blunder, but not apologized, and have got in touch with their solicitor who admitted liability and will be bearing costs to take CCJ off. Do I have a claim directly against solicitor or do I have to go through council as ultimately, its their client...? As a side note, I have started a complaint through council complaints procedure, which is at stage 1 - decision of first investigation to be made by March 19th 2018. I have also opened a complaint with bank which recently closed because they were offering a mere £350 then £500 as compensation, to which I declined. Only because it felt like they were trying to close the complaint as quickly as possible in order to just satisfy my problem. I am not done with them. Sorry for the long winded post but wanted to cover everything. Any help/advice or guidance will be greatly appreciated. ​​​​​​​Jay