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    • The 3 pieces of mortar that fell on the same day, at the same time, were approx. 25-30cm long and weighed around ½-1 kilo each from a roof that is above the 2nd floor; they were by no means tiny pieces of mortar but large chunks falling from a rather great height. I believe the size and weight is enough to cause serious injury and if it falls on your head, I assume it could potentially be lethal if unlucky, but we don't wish to put that theory to test... We can't in good conscience let a contractor install a patio and a gazebo as it is in the exact spot where the mortar fell, nor do I think anyone would be willing to take the chance. Looking at the roof, there are multiple other remaining pieces from the same 'line' or 'row' of mortar that can potentially fall. The mortar is right underneath the slate tiles on the neighbour's roof and I don't know whether the tiles are also (becoming) lose due to the loss of the mortar. I was trying to upload a photo but it seems it's not allowed. The first contractor to work in our garden in preparation for the patio and gazebo is scheduled to start on 10th June, that leaves the neighbour 5 workdays to sort their roof which is unlikely, so it seems we will have to postpone our patio contractor without knowing when they can come back. We have already had extensive work done in the garden in preparation for the wedding reception and it will become very costly for us if we have to move the wedding reception to a venue (if we can even get one at this short notice) rather than have it at home which was our dream.
    • Is this sufficiant for a letter of claim  ? Letter Of Claim       Reference: Techzone Mobile Phones Samsung A71 Mobile Phone £140 Purchase date 29. 5. 24     I the claimant purchased a 2nd hand Samsung A71 mobile from Techzone Mobile Phone unit 10 of the indoor market at the Potteries shopping centre. Initially the phone worked well until I used the camera and found debris in the camera lens spoiling pictures making it not fit for purpose. I contacted the seller who offered a replacement which I initially accepted but later rejected and wanted a refund in full which the seller refused saying they Do Not give refund is unlawful and goes against the Consumer rights act 2015. Therefore I intend to issue proceedings against you in a county court without further notice unless you reimburse me the above amount in Full within 7 days from the date of this Letter     ------------------------------------------    I think its best if i hand him the letter as posting it might not get through so can claim expenses traveling up there ?   or would it be best to just post and get 'Signed for'  ?   Should i also put in the letter of claim interest added or leave that till the Particulars letter ?
    • Ok thanks, I really need help with my mental health over this I’ve called 111 Hi sorry just one more thing can they contact my workplace?
    • Sorry to shatter your leftie dreams 🤣😂🤣😂     Donald Trump gets a SIX-POINT bump in approval after being found guilty on 34 counts according to snap Daily Mail poll: 'I think it was a waste of taxpayer money' WWW.DAILYMAIL.CO.UK Teflon Don rides again, according to an exclusive poll for DailyMail.com which found that the guilty verdict in Manhattan... James Johnson, who conducted the poll, said Trump might be waking up as convicted felon but he was winning over the voters who matter.   Our snap poll of a representative sample of likely voters shows that for most Americans the trial has not changed their deep-set views of Trump,' he said.  'But amongst those who are open to changing their mind, people feel more positive by a margin of 6 points. That is outside of the margin of the error of the poll and we are saying that is significant. 'It extends to Independent voters too. Look at the explanations and it is clear why: people feel it was a politically motivated trial and view Trump as a "fighter" against what they see as injustice.     
    • Which Court have you received the claim from ?  Civil National Business Centre Northampton NN1 2LH Name of the Claimant ?  PRA Group UK Portfolios LTD   How many defendant's  joint or self ?  Just my self Date of issue – top right hand corner of the claim form – this in order to establish the time line you need to adhere to.    24th May 2024   ^^^^^ NOTE : WHEN CALCULATING THE TIMELINE - PLEASE REMEMBER THAT THE DATE ON THE CLAIMFORM IS ONE IN THE COUNT [example: Issue date 01.03.2014 + 19 days (5 days for service + 14 days to acknowledge) = 19.03.2014 + 14 days to submit defence = 02.04.2014] = 33 days in total   Date of issue XX + 19 days ( 5 day for service + 14 days to acknowledge) = XX + 14 days to submit defence = XX (33 days in total)  if your defence filing date falls on a W/End, you must file by friday @4PM     Particulars of Claim   What is the claim for – the reason they have issued the claim?  The claimant claims the sum of £22,000 for an outstanding debt owed. On 30/1/18 the defendant entered into n agreement with Lloyds Bank Plc for a bank loan under the reference 10017#######. On 4/1/19 the defendant defaulted on the agreement with an outstanding balance of £22,000. On 30/11/22 the debt of £22,000 assigned to PRA Group (UK) Limited, who itself assigned the debt to PRA Group UK Portfolios Ltd on 30/12/23. Notices of assignment were sent to the defendant in accordance with S136 Law of property act 1925. The claimant has instructed PRA Group (UK) Limited to act on its behalf in the recovery of the outstanding debt and to pursue litigation on its behalf. AND the claimant claims 1. The sum of £22,000. What is the total value of the claim?  £23,500 Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ?  Yes Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? No Did you inform the claimant of your change of address?  No - N/A Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account?  Bank loan When did you enter into the original agreement before or after April 2007 ?  No Do you recall how you entered into the agreement...On line /In branch/By post ?  I believe it was done online on their app Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ?  Yes Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim.  Debt was with halifax, whom passed the debt to PRA Group. Were you aware the account had been assigned – did you receive a Notice of Assignment? Yes Did you receive a Default Notice from the original creditor?  I'm not completely sure at it was nearly 6 years ago, I have done a CCA request and they have sent a screenshot of their system showing it was sent. Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ?  Yes Why did you cease payments?  Couldn't afford to make payments. What was the date of your last payment?  August 2018 Was there a dispute with the original creditor that remains unresolved?  No Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan?  No
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The council issued bailiffs to collect on the council tax that I owed them. The bailiffs turned up to collect payment while I was out and left a letter through the door. I rang the number given they would not except full payment over the phone but would only except payment in person. As I did not want this person at my house I paid the council directly by Internet banking (but did not pay any bailiff costs only what I owed to the council).

 

I have since received letters from the bailiffs requesting their costs of £43.95. The last letter was dated 7th December and I needed to pay them by 14th December. The letter says that if I do not pay them they can come into may house and seize goods and I will incurr more costs.

 

All I need to know is do I have to pay their costs, they only made one visit.

 

(sorry they did visit again but I had already paid the council a month before and gave them proof they did not come back again)

Starting with NatWest - 3 personal, 5 business accounts

Next 11 credit cards

Next personal loans, morgages, sercured loans

Then anything else I can think of.

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Their Liability Order ended when you paid the Council. They will try and persue you for further costs, but I certainly would not pay them (and advice anyone else to pay the Council direct).

 

By paying direct the Council receives its money straight away - with no deductions.

 

They will give up if you stall them long enough.

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Thank you Watcher, I have not received anything from them for over a month now.

Starting with NatWest - 3 personal, 5 business accounts

Next 11 credit cards

Next personal loans, morgages, sercured loans

Then anything else I can think of.

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Thank you Watcher, I have not received anything from them for over a month now.

 

They will be too busy robbing the people that they CAN bully !

(Unfortunately many people are not aware of their rights and give-in to the pressure, threats and intimidation).

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So I do not have to pay for the one visit that they did make before I paid the council. The council did not want me to pay them directly, they wanted me to pay the baillif.

Starting with NatWest - 3 personal, 5 business accounts

Next 11 credit cards

Next personal loans, morgages, sercured loans

Then anything else I can think of.

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Its correct once the council are paid in full the liability order is discharged and they have nothing to enforce, however bare in mind the bailiff firms often just send out work in bulk to the bailiff and they will be non the wiser to this and will try to enforce like any other case. Therefore keep your proof of payments to hand and have a copy made in an envelope in case the bailiff calls. if you do get a knock dont open the door hand them the letter through a window or letterbox. xheers inteluk

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Hello im in council tax arrears - ive found the funds (well Xmas moneys is good for something eh?) - im considering paying directly to the council bypassing the Bailiffs....and hopefully there excessive fees.

 

However contacting the council by phone they dont seem interested at all claiming "its out of our hands deal with the bailiff firm etc".

 

 

 

If i pay in full by phone or the councils website - am i sorted? Also what other charges can the Bailiffs add the amount besides the first visiting fee?

 

Just it seems like Johney bailiff in my case has added £42.50 to my CT bill. Is that a usual fee for there poor darlings to handle the paperwork?

 

 

 

Breakdown - amount council says i owe - £407.65

 

amount Bailiffs is seeking - £450.15

 

 

Theres no note on there form of a breakdown of the charges and the council have evasively mentioned "they charge alot and interest!!" Very helpful that :-P

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be carefull paying over the net etc as they may deduct it from this years bill. I had the same problem, i refused to pay baliffs so i kept sending a cheque to the council, they returned it 4 times. i kept telling baliffs payment had been made to the council etc and just kept sending the cheque back to the council. they eventually gave in and accepted it, just be stubborn, it usually works

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Thankyou Watcher.

 

 

I take it the council are just trying to keep up there end of the sleazey symbiotic (parasitic?) relationship by basically refusing to take payment over the phone?

 

 

 

 

EDIT cheers roppa lol didnt read u properly :)

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Thankyou Watcher.

 

 

I take it the council are just trying to keep up there end of the sleazey symbiotic (parasitic?) relationship by basically refusing to take payment over the phone?

 

What exactly do i say to the Bailiff's - as im sure they run around asking for extra fees?

 

 

 

Cheers roppa - checks it is m8!

 

Symbiotic describes the bailiff-council relationship. Parasitic describes the bailiff-debtor relationship.

 

Just post the bailiff your receipt showing you have paid the council in full. By law, once this has happened, the bailiff can do nothing. The bailiff might claim that you have to pay thier fees, but they will have to prove it as its simply an unsecured debt like any other.

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If you paid online, did you not get an e-mail confirmation that you can print off? Or an online bank statement (making sure you delete the account details!!). You should try to contact the council and tell them to call off the bailiffs now that you have paid.

 

Also, remember: never let the bailiff in to your home. You don't even have to answer the door.

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Cheers robin im a bit leary about the online method if as roppa says they have a tendency to "mix it up" with this years payment. In which case i would be scuppered....

 

If i go that route im thinking recorded delivery and cheque is the route to go...

 

 

On the £42.50 charge theyve added onto the CT arears.

 

Is that legit for one visit admin fees or whatever the hell there asking?

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In a word - Yes.

 

Pay online and by-pass the bailiffs. The Council CANNOT refuse to accept your payments (unless they want to cancel the debt?). Once the Council has been paid, the Liability Order is at an end.

 

I agree with Watcher, and I have used the online payments system, it works fine. You only make a payment to the account number you gave, so make sure you type it right.

That's an instruction to your bank, and they must only pay the money to whom you say it's to be paid to.

 

If you look at your council tax bill you'll see the reference number that you need to use.

 

Hope that helps.

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I believe the first visit fee is £24.50 and the second is £18.00 which adds up to £42.50

 

If you are in a hurry for a receipt, why not go to the council office in person to hand over the cheque. That way you can get a receipt and make sure the cheque is applied to the correct billing year?

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Don't forget, if you've paid the council off then the bailiffs are on very shaky ground indeed.

 

The Council Tax (Administration and Enforcement) Regulations 1992

Distress

45.—(3) If, before any goods are seized, the appropriate amount (including charges arising up to the time of the payment or tender) is paid or tendered to the authority, the authority shall accept the amount and the levy shall not be proceeded with.

 

So unless they can prove that you owe them a lawful fee and they must prove it, they aren't entitled to one solitary sous.

 

I'd send them a letter that looks something like this:

 

 

**** January 2008

 

Re: ********* Client reference *********

Please understand that I am fully aware of my rights and you will not

gain entry to my home under any circumstances to levy goods

I know the fees allowed under statute and when these fees can be applied.

 

Dear Sir/madam,

 

 

This account is in dispute because your charges are wrong; I expect NO FURTHER ACTION to be taken until this situation is resolved and I expect you to provide a full breakdown of costs, including what the fee consists of (showing appropriate receipts if applicable), when they visited, the name of the certified bailiff and the court at which he was certified.

 

If I do not receive the information that I have asked for within 14 days I will report the matter to both the court which issued the liability order and the local government ombudsman.

 

I have not refused to pay the Council Tax arrears.

I have not refused to pay reasonable fees that you are legally entitled to.

I am sending a copy of this letter to ******* Council

 

Yours faithfully,

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  • 5 weeks later...

I have received another letter from the bailiff today asking for payment of their vist. The letter is headed FINAL NOTICE and I have until 25th to pay or they will return to the house to receive goods.

 

Is this just a scare tactic as the previous letters.

Starting with NatWest - 3 personal, 5 business accounts

Next 11 credit cards

Next personal loans, morgages, sercured loans

Then anything else I can think of.

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National debtline sent me some case law "relevant to distraint for taxes" which makes this issue pretty clear alongside the regulations Chris mentioned:

 

If the debt is paid, without the costs, before any seizure has occurred the right to distrain ceases (Bennett v Bayes [1860] 5 H&N 391; Branscomb v Bridges [1823] 1 B&C 145)

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  • 2 months later...

A person has been to the house today requesting money owed about the council tax that I owe and bailiffs fees. The letter states if I do not pay they will take my car in payment and sell it. It states in the letter that I owe £92.95, £1.45 for outstanding council tax and the rest in costs.

 

I have paid the amount owing to the council in full and do not owe them £1.45 I have not paid any bailiff fees.

 

Any advise please.

Starting with NatWest - 3 personal, 5 business accounts

Next 11 credit cards

Next personal loans, morgages, sercured loans

Then anything else I can think of.

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I have 5 days to pay or they will take the car. The car is worth £7000 and is still on HP. Only had the car for 6 months so not paid very much off it.

Starting with NatWest - 3 personal, 5 business accounts

Next 11 credit cards

Next personal loans, morgages, sercured loans

Then anything else I can think of.

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They are trying to break the law that they claim they are trying to enforce.

Offer them their £ 24.50p and ask for a copy of their complaints procedure.

And then follow it up.

They cannot touch goods subject to hire purchase.

 

 

 

Heres a qoute.

 

 

What goods can Bailiffs take from my home?

The bailiff is not allowed to take goods that do not belong to the debtor or are subject to hire purchase or conditional sale agreements.

 

HERES the site.

I Wish you everything you wish yourself.

 

NatWest Claimed £1,639. Accepted £1,344.

Natwest Paid me again as GOGW £1,656. Yes they can have it back if they say please.

Barclays 1 Claimed £1,260. Won by default. Paid in full

Barclays 2 Claimed £2,378. Won by default. Paid in full

Birmingham Midshires. Claimed £2,122. Accepted £2,075.

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