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Found 137 results

  1. Hello, I have today received a letter from High Court Enforcement Group Ltd demanding payment for an old university tuition fee debt. I have recently changed address and I had no idea this had got to the court stage, so I didn't get a chance to respond to the claim. I would like to be able to get this case back in the court system because I would like to defend it. The reason I didn't pay the tution fees is that after one term I realised the course being taught was nothing like what they had detailed in all their marketing. I soon realised that this MA course was not going to help me any further with a career and would just add another £10,000 debt to my student debt already. Had I known that this was at the court stage I would gladly have defended the action against me. I know it's my fault I didn't inform the University of my new address but I am now on long term sick and awaiting treatment. I am in receipt of ESA and in the support group, I get the full benefit after the DWP changed their decision once they had received medical reports. I really hope at the very least my current circumstances will delay the debt process escalating further but I really don't know what to do. I have never been in this situation before and I know once it's at this stage it's very serious. I really didn't need this. I have just about managed to keep up with all my current bills and debts with minimal income but this is something else. Any help or advice would be very gratefully received. Jake
  2. Commission applies to High Court to appoint an Official Receiver to charity -Thrift Urban Housing Limited READ MORE HERE: https://www.gov.uk/government/news/commission-applies-to-high-court-to-appoint-an-official-receiver-to-charity
  3. have a unpaid debt with anglian water. ccj granted march 2013 for a debt of £1,341,98. agreed with them to pay debt off at £5 per month. after a financial income check incomings outgoings. we applied to pay this debt by direct debit payment. they said it could not be done. over the period of time we reduced this debt to about £300. for some reason they cancelled the agreement and enforced this with the high court enforcement group who visited me today. informing me they are collecting a debt of £2,041.15 for anglian water. rather annoyed to find that anglian water never told me of there intentions or giving me a chance to put my case to the court. where is the common sense the debt reducing. then they treble the debt to be honest struggle paying this amount. is the court system just got no sense before they decide what actions they take on people. any advice available here please . contacted anglian water waiting for call back.
  4. The following is an extract of the news report published in the Guardian: https://www.theguardian.com/media/2018/feb/22/couple-filmed-evicted-channel-5-tv-show-win-damages-high-court
  5. Hi all, I need some help/advice. The last of my debts is a (technical) overpayment of wages from Sept last year. Basically, I took too much paid holiday before leaving so my final payslip was what I actually owed them. At the time I had a really bad hand injury (required surgery and lengthy rehab - I nearly cut my thumb off) Admittedly, I buried my head in the sand and ignored letters about the debt. In the end, my prev employer obtained a HC writ for the debt, plus associated costs. It's taken until now for my to reach this first stage with Marston and I received a Notice of enforcement letter last week. The letter says I need to pay the balance (£1000ish) by Dec 10th or agree a payment arrangement. I rang Marston to offer a payment arrangement - I want to pay it back, and I have a decent job now but I'm J-A-M so can't pay loads off at once - but they've said that they can only take payments at the moment and the account needs to progress to the next enforcement stage (plus an extra £200+ in fees) and I need to have an agent visit my property before they can agree an arrangement. I should say that any avenues of borrowing money (friends AND family) are closed. I've borrowed (and paid back) money to so many people I've basically had the last of my last chances - this is my problem. Now, I live in a flat with two mates and I'm really worried that these bailiffs will try and take my mates' stuff to pay my debt. We're all late-20s and have a fair amount of stuff accumulated but may not have purchase receipts for everything - both housemates have Apple Macs they use for work for example. Over the past 5/6 years I've struggled to to off various debts, ruining my CR in the process. I've paid extortionate fees etc etc. I've read about sending a letter to offer the arrangement but is there anything else I should do or any advice you have? Thanks in advance
  6. Hello, Please can you help? Since July 2018 I have Marstons chasing a debt for Severn Trent which I was unaware of until they sent me a hand delivered letter, informing me they had a high court writ. I promptly filed a N224 form to Apply to stay the writ and Set Aside the judgment. However, I misread the instructions prior to the hearing and took my defence statement to the September hearing and presented it to the judge, the application was dismissed as I had not filed the defence statement prior to the hearing. The following day I applied again for a Apply to stay the writ and Set Aside the judgment using N224 and submitted it online. Now in November Marston have decided to chase the debt again and are visiting my home with hand delivered letters. As, I had not received anything from the court, I called them and I found out they had not received it. On the 9th of November, I submitted the N224 by hand to the court, I contacted the High Enforcement Officer and he told he will be executing the writ as there has been a stay order granted by the court? What can I do/ please help
  7. Hi, can someone perhaps help. I have CCJ from United utilities, which was being enforced by high court enforcement agent back in September. I stayed the writ using an N244 form as I wanted to offer £150 per month. This was subject to a court hearing where the judge would listen to my instalment offer. Unfortunately I missed that hearing which was today. Is there anything I can do now? Thanks.
  8. I have discovered your site investigating what to do in this case and would sincerely appreciate your help. I will offer feedback and donate for your time and energy. I really need your help. I used my mums oyster after losing my wallet and needed to get to a wedding over a weekend. When returning into London, the high value pass obviously flagged things to the inspectors who were waiting at the station. I had all my details taken. The inspector understood I'd lost my wallet and I didn't answer any further questions. I was sent a letter with a fine and a conviction if i plead guilty. The problem with these cases, is that whether or not I did it unwittingly (as in, didn't realise I was using a high value pass) it doesn't matter. It was a misuse and the conviction stands. I can't have a conviction hanging over my head and the thought of it fills me with absolute dread. I have just recently gained a permanent residency in Canada and intend eventually to work in the States and a conviction would be so detrimental to have on my record and affect my work situation. I am so deeply regretful for something so stupid and avoidable. I have received a letter stating the fine i have to pay and the fact that it will go on my record and like the other cases stated here on the forum, can either plead guility and pay the fine or plead not guilty and prove my innocence, which isn't possible. What are the options available to me? Can I call them and ask to appeal? Should I hire a solicitor before it's too late? (I have roughly 10 days before the deadline now). Is settling on the day the last option available and should I get a solicitor before that time to make sure that I don't risk it not going in my favour on the final day? How often are people able to settle on the day in your opinion? What does a settlement amount normally come to? I really appreciate your help on this. I've just returned to London to the letter and have limited time to respond and would like to know the best way to reach out to TFL. Will a letter take too long. I think so. Should I simply call them or go via a solicitor? It seems that no matter what people do with their letters, it always comes back with a conviction and fine. I was going to call citizens advice first thing tomorrow, but if you can recommend a solicitor please do. i live in London. Many thanks
  9. Hi all, To make this as brief as possible, I had a second charge on my property with Nemo personal finance. In 2007 the property was repossessed due to a lot of bad luck and the original lender sold the property over £50,000 less than market value just to cover their own expenses (G E Money) which left nothing to pay off the second charge. I have been battling this loan on and off ever since and during this time Nemo took me to court and won because I never defended the claim and this was due to the fact \I knew nothing about it. I agreed a miminal payment to them which I paid monthly about 2/3 years ago I wrote to them sending them £10 PO asking for a SAR. They never produced it so after a while I stopped paying and things went quiet of a year. Now they are back on my case threatening with a attachment to earnings, High court Writ and Baliffs etc. I am not sure how I should proceed with this and would really appreciate some help. I id speak to one of their customer service reps when I got the first contact letter and explained that I stopped paying because they did not comply with my request and he said he would look into it and get back to me but he hasnt and I ave just had a letter threatening allsorts to collect. When I first loss my house I did do a lot of research on this with regard to the PPI and secret commissions which there undoubtedly was but never saw it through due to personal circumstances.
  10. Hi all, I'm trying resolve this issue with PCN I have received recently from Athena ANPR Ltd for overstay at Lidl. The overstay was 14 min. 35 sec. Arrived at 09:43:43 and left 11:28:18 = duration 1:44:35 Shops opens from 10AM Sunday. Short story, it was Sunday just before 10AM and I saw ppl outside Lidl so I thought it might be open. Parked my car and there was just a queue in front of Lidl..., so went for a walk, as this was my first stay in Mablethorpe. Off course I did forget to take my swimming shorts with me, so spend bit longer in Lidl, looking for shorts. Few days later got this PCN. I think this isn't fair as if you look at the time the shop opens and the time I have left the parking is just within 90 minutes. Normally I don't spend this much time inside the shop. Do you think I have a chance to get this PCN canceled ? Just want anyone's thoughts before I do appeal. 1 Date of the infringement 01/07/2018 2 Date on the NTK 04/07/2018 3 Date received 07/07/2018 4 Is there any photographic evidence of the event? Yes. Driver and occupants not visible though. 6 Have you appealed? {y/n?] post up your appeal] No. Here's the question: do I have to appeal to Athena and Lidl ? and what would be the best way to appeal, by post or email ? Also is there a template how to appeal, this will be my first time. Do I have to write my story or just complain how unfair they threat the customers ? 7 Who is the parking company? Athena Parking 8. Where exactly [carpark name and town] LIDL Mablethorpe - High Street, Mablethorpe LN12 1EH Appeals Body says the IPC. The occupants of the vehicle did shop in LIDL on the said day. Thanks for any help
  11. Action plan to accelerate remediation of private high-rise residential buildings with ACM cladding READ MORE HERE: https://www.gov.uk/government/news/action-plan-to-accelerate-remediation-of-private-high-rise-residential-buildings-with-acm-cladding
  12. Open Consultation Banning the use of combustible materials in the external walls of high-rise residential buildings READ MORE HERE: https://www.gov.uk/government/consultations/banning-the-use-of-combustible-materials-in-the-external-walls-of-high-rise-residential-buildings Important please be aware this consultation closes at 11:45pm on 14 August 2018
  13. "Rent-to-own" shops that sell appliances and furniture for small weekly payments but with a high interest rate face a price cap. However, the financial regulator will not rush to impose the same restrictions on bank overdrafts. The Financial Conduct Authority (FCA) has spent nearly two years looking at the cost of high interest borrowing. It has now outlined a package of plans for rent-to-own, doorstep lending and catalogue shopping. High-cost credit is used by three million people in the UK. Single-parents aged 18 to 34 are three times more likely to have a high-cost loan - such as a payday loan, doorstep loan or pawnbroking loan - than the national average. "The proposals will benefit overdraft and high-cost credit users, re balancing in the favor of the customer," said FCA chief executive Andrew Bailey. http://www.bbc.co.uk/news/business-44307663
  14. Hello A friend of mine let a DCBL bailiff into her home ( it was 6am, they looked like cops and they pushed into the doorway when the door was opened) They waived a Writ of Control to justify entry and refusal to leave. They now have a list of goods under control - one of these is a computer. While I understand they can take the computer, what is the status of the data stored on the machine? In the meantime, I've applied for a N244 to create a payment schedule as she is vulnerable on health grounds (also the reason for not being able to pay the original CCJ that started all this) Thank you
  15. Countdown to high speed broadband for all begins READ MORE HERE: https://www.gov.uk/government/news/countdown-to-high-speed-broadband-for-all-begins--2
  16. If I have posted this to the wrong placeI apologise. I am seeking advice for myself and my daughter. My daughter has moved back home with her husband. Over the last 18 months my daughter has been made redundant then my son in law was made redundant. When they bth found jobs there was a difference of £600 a month in what they used to bring home. They contacted all their debtors and made arrangements to clear their debts. However Eon for some reason didn't want to agree to a payment plan. In October 2017 they moved home telling everone of there new address. Eon sent there final bill to our home address in December. She made payments in January & February. Then on 23rd February a ccj came through the post. She immediately contacted Eon customer services. Who were no help and told her to speak to the legal team. She contacted them by email and the response she got was agressive. They admitted they'd sent the court papers with her previous address as the contact address. So anyhting rgarding the court was going to her previous address. But the house was empty as it has just been sold. When she said to them how could she respond if the cort papers weren't received they said by law they were right and by law they had done nothng wrong sending it to an incrrect address. On the 9th March a letter arrives from High Court Enforcer on behalf of Eon. She now lives in our family home and no matter what we have said they are going to visit.I undertsand it makes no difference to them if its our house and things in it are our. After some advice we have applied to the judgement set aside. I contacted Tim Farron MP and he emailed the executive office. They basically said tough they had done nothing wrong and they weren't prepared to discuss it anymore and she has to deal with HCE. I don't know what to do we have 30 years of our lives together in our home and the thought of HCE just being able to take things from us. Eon have been the only company not to show compassion and understanding at everything they have been through.
  17. Last week a very important judgment was released in the High Court in relation to Part 85 'Third Party' claims. Given the importance of the subject, Master McCloud issued a draft decision, and invited the High Court Enforcement industry to provide comments and suggestions, based upon their experience in the area. The reason why the Master was asked to make the judgment is outlined in details in the following post. In this respect, I have referred to the recent news article from The Sheriffs Office.
  18. Hi there I'm being pursued by these people for some very unfair tickets. I know there is a lot on here about different approaches etc but I was interested in the 6 month rule, can someone please explain the law around that? Also, the tickets definitely say Penalty Notice not Parking Charge, does this mean it's official? Thanks in advance for all your help
  19. Hello, I am looking for some advice please. I have a standing order weekly to Fedex Europe paying off some outstanding import tax, however today I have received a Notice of Enforcement asking for £958 - includes a number of charges! I can happily print off the invoices for these payments and get these off to them, but I need to know what I can do re the letter? I have emailed them today asking for confirmation of whether any payments have been added to this account. I have until 31st March to get this sorted. Please advise. Thanks
  20. Recent High Court PIP Judgement Affecting those with Psychological Distress High Court. RF v Secretary of State for Work and Pensions: http://www.bailii.org/ew/cases/EWHC/Admin/2017/3375.html The High Court Judge: - quashed the new regulations because they discriminate against those with disabilities in breach of Human Rights Act 1998 obligations. - declared that the Secretary of State did not have lawful power to make the regulations (i.e. they were ‘ultra vires’) and should have consulted before making them. Yes the Government is going to appeal this Judgement at the Court of Appeal so we will have to wait and see the outcome of that Appeal.
  21. Hi all, Received an NTK about a civil parking charge notice from Athena in the post today, I've done some reading on the forum so haven't contacted them and will not disclose who the driver is. Car was parked at LIDL for 50 mins but the driver did not register at the terminal for the 1.5 hrs free parking. The driver did a full shop with debit card (we have receipt as well). LIDL address is: LIDL Walthamstow 43-49 High Street, Walthamstow, London, E17 7LD (google says 7AD but notice and other sites say 7LD) What's the best course of action? Letter to LIDL CEO department? Anything else I should do also and any tips on the letter? (e.g. should I attach a photo of the receipt?) For tickets received through the post (Notice to Keeper) please answer the following questions. 1 Date of the infringement [/color]21/11/17 2 Date on the NTK 24/11/17 3 Date received 27/11/17 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012?No 5 Is there any photographic evidence of the event? Yes, a picture of the car leaving and entering with date and times, license plate is clearly visible but driver is not 6 Have you appealed? No Have you had a response? N/A 7 Who is the parking company? Athena ANPR For either option, does it say which appeals body they operate under. There are two official bodies, the BPA and the IAS. If you are unsure, please check here IAS Will upload pics of sign shorty but doesn't say anything out of the ordinary really apart from register at terminal for 1.5 hrs free parking, 90 mins max stay, you will be charged if you breach any of the other terms of parking. Thanks in advance Thanks convert-jpg-to-pdf.net_2017-11-27_14-56-44.pdf convert-jpg-to-pdf.net_2017-11-27_14-57-11.pdf DEFAULT CHARGE 27-11-17.pdf
  22. I have noticed that a firm of HCEOs seem to have added application costs in a writ of control to the debt. Then the application fee is added in their charges (charging twice). As it is already added to the debt, it then also adds to their later stage fees, which are based on a % of the debt. Could it be that most people dealing with them are struggling to manage the debts they have without perusing the details of these bills?
  23. Hi everyone, long time no see. Quick story: Was subject to a disciplinary in Feb 2012 and went to get some 'proper' legal advice from a solicitors in Manchester first. Must have received a bill at some point, probably while reading the letter telling me I no longer had a job. Deep depression put me into a padded cell for much of that year. In the meantime, CCJ against me for £1,269.25 + Judgment costs of £182.00 - Fair enough, never had a CCJ before, but not functioning properly at the time.. Finally got my act together in July 2012 after some very big burly chaps kept knocking on the door for a few weeks (at my new address - yes I'd had to move) and finding money somewhat tight i offered £20 a month until i could afford more. I have one letter acknowledging this, but no bill or breakdown of costs or anything to describe the additions which I have TODAY become aware of (from asking for it). Costs of Execution £111.75, Accrued Interest £113.53, or Disbursements at £639. Total now £2,315.93. Apparently interest is still going on it at 30p per day !!! I seem to remember the 'nice' lady at HCEG telling me only to pay £20 a month if I couldn't really afford £50. Crikey, at this rate I'll be paying it off forever! I have had no statements, no total, no contact from High Court Enforcement Group on behalf of their client Moon Beever until today. Apparently my balance still outstanding is £1,195.93 - I have paid off £1,120 at £20 per month. Can anyone please advise me: a) shouldn't they have let me know all the charges and interest in some letter or email so I knew how much was to be paid in total? b) as they haven't done this, do I have to pay it all or can I ask for a reduction of any kind? and c) If I still have to pay it all, what do you think would be reasonable as a full and final offer to get this off my credit record at last? Any help gratefully received. Thanks guys n gals.
  24. Despite the new bailiff regulations having been in force for over 18 months, it is very worrying to see that a number of the 'Beat the Bailiff' Facebook pages continue to advise the public that if an enforcement agent is enforcing a judgment that has been transferred to the High Court, that the agent cannot charge VAT on bailiff fees. Such information is inaccurate and highly misleading. In April 2014 the Taking Control of Goods (Fees) Regulations 2014 were introduced and provide for statutory fees that can be charged by enforcement agents. In relation to county court judgments transferred to the High Court for enforcement, the statutory fee scale provides that the enforcement agent can charge the following fees: Compliance fee: £75 First enforcement stage: £190 (plus 7.5% on amount over £1,000). Second stage enforcement: £495 Sale or disposal fee: £525 plus 7.5% on sums over £1,000 The Taking Control of Goods (Fees) Regulations 2014 were laid before Parliament on 4th January 2014 and came into force on 6th April 2014. It was not until shortly after the regulation had been laid in Parliament that HMRC finally resolved the issue as to whether or not VAT should be added to bailiff fees. On 26th March 2014 (two weeks before the regulations came into effect) the Ministry of Justice released their official guidance on VAT. This followed official HMRC approval and agreement. HMRC amended their internet guide a short while after.
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