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    • good idea take some pix and put them in a PDF read UPLOAD dx
    • thread title updated moved to overseas debt forum. sadly as they are outside any UK jurisdiction upon DCA rules which state in the UK they must not call employers, there not alot you can do to stop these scammers. make sure you totally make private ALL social media twitter/facebook/linked in etc etc as there no-way for them to findout where you work otherwise so you must have a leak somewhere. find it. your employer details arent even legally available to UK DCA's so how have they found it out to date???  simply write to the BANK informing them of your correct and current address ALWAYS!!. if you want to arrange payment or not TO THE BANK ONLY thats upto you. never ever ignore a Statutory Demand a Letter Of Claim a Court Claimform. if if if any of those ever happen. till then ignore and rewash. dx    
    • Date of issue –   13 may 2024 AOS date 31st may defence filing date 14th june plenty of lowell card claimform threads here use our enhanced google searchbox Lowell card claimform id be reading at least 5-10 threads a day. do NOT MISS your defence filing whatever happens.  
    • Hello All,  I’m hoping someone can help me urgently here. Firstly, I’d like to say I have read multiple other threads and have some what an idea of what I should be doing, however my case might be slightly different so coming with my own questions here.    my situation is I lived in Dubai and had a credit card and a loan, loan with HSBC and credit card with Emirates (or the other way round), I lost my job and was forced to leave the country as I was staying in the country on my companies visa.    since coming back, after a few years 2 different debt collections agencies have been approaching me (one being IDRW and the other J&P). I’ve never answered IDRWW and they constantly chase me by calling and messaging me and my employer. My current company is ok with this as I explained the situation but I’m soon to be joining a new company who definitely won’t be ok with being messaged and called. I’m afraid to continue to ignore them as they may message and calm the new employer as they have before and I’ll lose my job. However, it seems clear from these forums that dealing with the debt collection agencies is never a good idea. You shouldn’t agree to the amount or pay anything.    j&p caught me on my phone but I still haven't sent them any money or confirmed the amount they’re saying is owed, they keep pushing to pay off the “principal” amount by making monthly payments, from reading these forums it seems like if I make one of those payments (they have provided bank details for ENBD), then it’ll just be paying off interest and not actually clearing the principle debt and the bank won’t even approve receipt of payment or that it’s coming off principle.    this is my predicament as ignoring them might not be an option if they chase my new employer. Maybe there’s a way to ensure the debt collection agency don’t contact my new employer?? I don’t know? Massively appreciate peoples help here. Thanks, 
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Hi All,

Got a small problem with a house i let out , and hope i can get a bit of advice.

my old tenant moved out in feb07 and the house was empty for four months while it had a refurb ( iam a builder by trade).New tenants went in at the end of june 07,four of them,although the guy whos name the council tax was in, left after approx two weeks.during this time i had tried to claim a refund on my council tax for the period that the house was empty,registered my forms acopy of new tenancy agreement, and was told that they would be in touch.Never heard anything until yesterday when my tenant phoned to say that balliffs had posted a walking possession notice through his door with his car reg make and model on the form,although the name on the form was his brother, the lad that moved out after only a few weeks.

My tenant did not sign this form it was just posted through the door with charges for £22.50 first visit and £45 levy fee

I never had no notice from any court or the council to say that this was going to happen,and when my tenant phoned the balliffs to try to explain ,he recieved a torrant of abuse and demands for payment. Any thoughts on what to do guys ? your help is much appreciated.

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Never heard anything until yesterday when my tenant phoned to say that balliffs had posted a walking possession notice through his door with his car reg make and model on the form,although the name on the form was his brother, the lad that moved out after only a few weeks.

My tenant did not sign this form it was just posted through the door with charges for £22.50 first visit and £45 levy fee

 

You must do everything in writing, recorded delivery, emailed etc.

 

AFAIUI the tenant is in a spot cos he's liable for the council tax from the date he moved in and the law allows the liability order to cover anyone who lives at the address who would expect to be liable for the council tax.

The Council Tax (Administration and Enforcement) Regulations 1992

 

 

However the first thing to do is to check out the certificate of the bailiff whose name is on the levy/Notice of Distress. No certificate, no levy.

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The levy itself doesn't give the bailiff a right of entry, but if he/she has a valid certificate that authorises him/her to operate for the firm named on the Notice of Distress/Levy, then they do have a right to seize/clamp the car.

Unless it is hired/leased, subject to hire purchase or the property of a third party.

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New tenants went in at the end of june 07,four of them,although the guy whos name the council tax was in, left after approx two weeks.

 

Hmm, first there were four, and then there were three.

That was June 2007, and it's now February 2008.

Did they all think they weren't liable for council tax because the person named on the bill had left? Are these tenants young students?

 

There is usually some correspondence from the council, and to be fair they seem to have waited quite a long time before doing anything about it.

 

You need to get a copy of the liability order or a print out of the account from the council

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HI Chris

Thanks for your thoughts,spoke to the council this afternoon and they want another copy of the registration form and dates when the new tenants tenancy started.I have already done this when i applied for the rebate,somthing does not seem right ?

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Hi Chris,

Just checked the notice and the sig is just a scrawl across the form.

Also the girl at the council said that she would contact the baliffs to get them to hold off to give me time to get the forms back to them.What bothers me is that ive had nothing in writting from either the council or the county court

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Well unfortunately although that is wrong, it doesn't make the liability order less valid - all they have to show is that there is a liabiility, and that is enough - unless you can show that there isn't.

 

The council can vary the amount on the liability order, but the bailiffs will do everything they can to get you to pay them more than you actually owe.

 

You should sent a SAR request, there's a template letter, or you can cut and paste one off a previous post, or download one off a website. there are several around.

 

Incidentally, if the car that was levied was NOT parked outside the house but was parked on the Public Highway away from the house, then it should not have been levied against. (Statute of Marlborough 1267, I think the years right).

But you'll need to prove that with witness statements, photos etc, to be able to challenge that.

 

So you see, there is quite alot you can do:)

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Hi Chris

If i send a sar who should i send it to and would this place the account in dispute and stop any inforcement until i can sort it out,the thing is,i put the account in my name when the first guy left left,then i applied to the council for the rebate,but they are still chasing this guy,sorry mate what a mess !

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i)You can send a SAR to the bailiffs, they are obliged to give you information. The owner of the car, if they are not named on the levy and the person named on the levy could challenge it, by claiming their car back.

I would use a Statutory Declaration for that cos its cheap and quick.

 

ii)I'm not sure whether you can get the enforcement actions stopped or not.

Look at it from the bailiffs point of view:

a. You have taken over the responsibility for the council tax for reasons best known to yourself - if that makes it sound strange, well thats how it looks because you appear to be taking responsibility for someone elses debt.

b. There is a liability because unless they are exempt or disregarded for some reason, the people living at the property are liable for the tax.

c. You or they would appear to have the means to pay the tax.

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Hi Chris ,

Good result from the council ! The guy i seen went through everything phoned the balliffs while i was there and put the action on hold,after going through my case he agreed to give me another six months exemption and said he would contact me in due course with a new figure.

I paid the guy £100 then and there to help cover any shortfall in the new figure,he gave me a reciept,and im hoping this will help keep the balliffs at bay,as i will carry on paying the council and not them.

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