Jump to content


  • Tweets

  • Posts

    • That is great news. Many people would have given up and paid after losing two appeals so well done for hanging in and fighting. It has paid off and they have finally backed down before getting whipped in Court. I looked at your NTD and your NTK again to see if there was a chance of going for a breach of your GDPR. Sadly although your NTK on its own could have well deserved a claim, the NTD is good enough not to warrant a claim even though it wasn;t compliant with PoFA. As it is the first Notice that mostly accounts for  GDPR breaches there is a reasonable cause for the NTD to have been issued. However you are now freed from worries about appearing in Court and you have learnt about the dangers of parking especially where the rogues that patrol private parking spaces are concerned. Thank you for making a donation and should you fall victim in the future to the parking rogues or anything else that we protect from, you are always welcome .
    • Hi guys I'm about to submit the defence as per below     There has been no reply to our CPR 31:14 request.  Is it worth adding that I (driver, not registered keeper) didn't actually enter or park in the car park and was sat at the petrol station forecourt the entire time?  Or is that covered by the simple points?   Thanks
    • a DCA is not a bailiff and cant enforce anything, even if they've been to court who are they please? sar to the original creditor FIO isnt applicable they are not a public body. who was this query sent too all the more reason to teach her young upon how these powerless DCA's monsters  work... she must stop payments now  
    • Unsettling the applecart?,  I'm going to be direct here, I know how this works , I've been in far worse situation than your relative, and I can assure you , now that there i likely a default in her name, it makes absolutely ZERO difference if she pays or not. Denzel Washington in the Equalizer , 'My only regret is that I can't kill you twice'... It's the same with a default, they can only do it once and it stays on your credit file for 6 years if she pays or not, and as it stands right now she's flushing £180 of her hard earned money down the toilet  so that the chaps at Lowell can afford a Christmas party. As for the SAR this is everybody's legal right, originally under the Data Protection act 1998 and now under GDPR, it's her right to find out everything that the original Creditor has on her file, and by not doing it the only person she is doing a massive disservice to is her self. As the father of 2 young adults myself, they need to learn at some point.. right?
    • Thank you for your pointers - much appreciated. dx100uk - Apologies, my request wasn't for super urgent advice and I have limited online access due to my long working hours and caring obligations - the delay in my response doesn't arise in any way from disrespect or ingratitude. I will speak to her at the weekend and see if she will open up a bit more about this, and allow me to submit the subject access request you advise - the original creditor is 118 118 loans and from the letter I saw (which prompted the conversation and the information) the debt collection agency had bought the debt from 118 and were threatening enforcement which is when she has made a payment arrangement with them for an amount of £180 per month. It looks as if she queried matters at the time (so I wonder if I might with the FIO request get access to their investigation file?) - the letter they wrote said "The information that you provided has been carefully considered and reviewed. After all relevant enquiries were made it has been confirmed that there is not enough evidence present to conclusively prove that this application was fraudulent.  However, we have removed the interest as a gesture of goodwill. As a result of the findings, you will be held liable for the capital amount on the loan on the basis of the information found during the investigation and you will be pursued for repayment of the loan agreement executed on 2.11.2022 in accordance with Consumer Credit Act 1974"  The amount at that time was over £3600 in arrears, as no payments had been made on it since inception and I think she only found out about it when a default notice came in paper form. I'm a little reluctant to advise her to just stop paying, and would like to be able to form a view in relation to her position and options before unsetting the applecart - do you think this is reasonable? She is young and inexperienced with these things and getting into this situation has brought about a lot of shame regarding inability to sort things out/stand up for herself, which is one of the reasons I have only found out about this considerably later Thank you once again for your advice - it is very much appreciated.    
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

Baliffs come to my door - Help me I'm innocent


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5705 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi there,

 

I am looking for some advice.

 

Yesterday a balliff arrived at my door asking for £3068 in unpaid council tax bills (and charges!!!!) from my wife from 6 years ago!!!!

 

Apparently this was unpaid arrears for a flat that my wife had been living in for 4 years.

 

Now according to my wife the agreement with the landlord was that he would pay all bills for the property. IE The the rent constituted an all inclusive amount, and that seems to have been honoured for every other bill, electricity, water rate etc.

 

I talked to the council yesterday stating that and that my wife never received one bill (apparently numerous bills/reminders/summons were sent to the original property!!!!!). However my wife never received any bills at the time.

 

The flat that my wife had was one of two in the house. Post generally went to the other flat as that had the postbox. The tennants of that flat would then post through my wifes door. However not one council tax bill or associated correspondance ever arrived.

 

The council advised us that Landlord had put the liability in my wifes name on the day she moved in. This seems unbelivable. So my wife became liable for a bill that she hadn't agreed to without anybody checking with her (To my knowledge you can't do this with any other bill you must get identification.)

 

It seems to me that this is a con. The landlord makes out that the rent is one price to the tennant (which is attractive so they will stay) and then tells the council something else. It then takes six years for them to get themselves sorted out.

 

I would really like to hear the advice of the forum on this. I am keen to know how to proceed, because as far as I am concerned we don't owe the council 1 penny. The landlord does. :evil:

 

Your help is really appreciated forum.........

Link to post
Share on other sites

Unfortunately, Council Tax is one of these debts where the debtor is found guilty BEFORE any court action. As to whether your wife paid her Council Tax inclusive or exclusive of her rent is of no interest to the council, they just want the money and will do everything in their power to get it.

 

If she has any hope, it will be that she holds confirmation from the landlord that CT will be paid by him, and that her rent is inclusive of any CT amount. From what you describe, each flat has its own entrance door, and as such individual CT bills are more than likely - making any landlord agreement for the payment of CT vitally important. This can then be shown to the Council and they can then pursue the owner. However the obligation to pay usually rests with the tenant. If there is nothing to prove that the landlord agreed to pay, then the tenant has no come back and will be liable to pay for the services received.

 

The only good news is that (so far) councils do not disclose these defaults to CRA's - but the bailiffs will be tenacious.

Link to post
Share on other sites

Thanks Buzby,

 

I really appreciate the response.

 

However, this issue was 6/7 years ago. As such the tennancy agreement has long ago been tossed.

 

If this was something that my wife was due to pay I would have no hesitation in doing so. However she was not, and no bills ever came through to her.

 

Therefore I feel it is my responsibility to fight this.

 

What I need is good advice on how to effectively go about this.

 

With thaat info I will give it my full attention and try to ensure that the Council does what is right.

 

PURSUE THE LANDLORD

Link to post
Share on other sites

Only advice I can offer is under no circumstances let the bailiff in! If you have a car it may be advisable parking it away from the house for the time being as well

All my posts are made without prejudice and may not be reused or reproduced without my express permission (or the permission of the forums owners)!

 

17/10/2006 Recieve claim against me from lloyds TSB for £312.82

18/10/06 S.A.R - (Subject Access Request) sent

03/02/07 Claim allocated to small claims. Hearing set for 15/05/07. Lloyds ordered to file statement setting out how they calculate their charges

15/05/07 Lloyds do not attend. Judgement ordered for £192 approx, £3 travel costs and removal of default notice

29/05/07 4pm Lloyds deadline for payment of CCJ expires. Warrant of execution ready to go

19/06/07 Letter from court stating Lloyds have made a cheque payment to court

Link to post
Share on other sites

Yes, the liability order has to be applied for within 6 years of the council tax becoming due.

Post by me are intended as a discussion of the issues involved, as these are of general interest to me and others on the forum. Although it is hoped such discussion will be of use to readers, before exposing yourself to risk of loss you should not rely on any principles discussed without confirming the situation with a qualified person.

Link to post
Share on other sites

As other have pointed out, there is a 6-year limit on liability orders, however there is a possibility exceptions have been made for Council Tax Arrears specifically (In Scotland 'poll tax' non-payers are STILL being pursued, slowly and steadily).

 

Incidentally, she doesn't have to receive a letter/bill from the council to be liable. Providing they have her details as a taxpayer, she would have to prove the landlord had not paid her share, putting the ball back in her court. I appreciate this is a very awkward situation to be in, but if there is no proof that the landlord was to pay, she remains liable and will all the attendant penalties for late payment and arrears.

 

It MIGHT be possible to negotiate a settlement of some sort, but it'll take a visit to the Finance Department of the Council who have the power to adjust and amend. By putting across her side, they may listen - or provide an alternative solution.

Link to post
Share on other sites

I suggest the OP finds the rental agreement first.

 

Even if that cannot be found, draft a harsh letter of complaint and post a draft here - minus any confidential information - to the council and will try to proof it for you.

 

It may help. If that doesn't work then you should also take it to your MP after that, but let's complain to the council first.

 

If you give me the name of the council, I'll find out the complaints address for you.

 

Mods: I think this should be moved to the debt forum.

-------------------------------------------------------------------------------------

:!: All the information I impart is my advice based on my experience. It does not constitute professional advice. If in doubt, always consult with a professional. :!:

 

:-) If you feel my post has been helpful, please click my scales. :-)

Link to post
Share on other sites

Thanks for all of the feedback

 

We feel really agrieved about this. All of the onus is on us to prove everything. After 7 years (from when my wife moved in) this has come up.

 

How exactly can we prove that she did not receive the bills.

 

Was she really supposed to ring the council to check that no-one had made her liable for the council tax.

 

Does everyone keep tennancy agreements from 7 years ago even when they have got married and moved house.

Link to post
Share on other sites

Thanks for all of the feedback

 

We feel really agrieved about this. All of the onus is on us to prove everything. After 7 years (from when my wife moved in) this has come up.

 

How exactly can we prove that she did not receive the bills.

 

Was she really supposed to ring the council to check that no-one had made her liable for the council tax.

 

Does everyone keep tennancy agreements from 7 years ago even when they have got married and moved house.

That's life in this damned country. Sorry.

 

Post a draft letter - minus any confidential information - here and I'll try and proof it for you.

-------------------------------------------------------------------------------------

:!: All the information I impart is my advice based on my experience. It does not constitute professional advice. If in doubt, always consult with a professional. :!:

 

:-) If you feel my post has been helpful, please click my scales. :-)

Link to post
Share on other sites

Thanks LP. Will do and you offer is appreciated

 

Another thing:

 

I rang the council. No evidence was requested to check liability. Is this allowed. I could not do this for Water Rates (as an example). I would need to provide proof.

 

Another thing £3068 for the coucil tax on a tiny 1 bedroom flat in Nottingham seems VERY VERY high even for 3.5 years. Could the landlord have said that my wife was responsible for the whole property??????

Link to post
Share on other sites

Thanks LP. Will do and you offer is appreciated

 

Another thing:

 

I rang the council. No evidence was requested to check liability. Is this allowed. I could not do this for Water Rates (as an example). I would need to provide proof.

 

Another thing £3068 for the coucil tax on a tiny 1 bedroom flat in Nottingham seems VERY VERY high even for 3.5 years. Could the landlord have said that my wife was responsible for the whole property??????

What people don't understand is that Council Tax goes by bands. So the lowest band being band A that does make sense. It doesn't go by the size, though a large house is likely to be in a higher band, it goes by the value of the property within certain bands. So below a certain amount - however much below - would be in band A which in Salford is currently about £1k.

 

However was she single at the time? In such a case she should have received a 25% reduction on Council Tax.

 

It is impossible to answer these questions properly without having the letter written to them and seeing their responses.

 

Once you receive their responses if they are not satisfactory, the next thing is to write to your MP.

 

If we can see that they have made a mistake then a Local Government Ombudsman complaint may help, but their remit is strictly "maladministration causing injustice" so if there was no maladministration despite the injustice such a complaint would be useless and only seek to antagonize them.

  • Haha 1

-------------------------------------------------------------------------------------

:!: All the information I impart is my advice based on my experience. It does not constitute professional advice. If in doubt, always consult with a professional. :!:

 

:-) If you feel my post has been helpful, please click my scales. :-)

Link to post
Share on other sites

thanks I will get on with that letter tonight and post in draft here.

 

My wife is part of the civil service union and is going to contact them to see if they can help with legal advice and support.

 

I will let the forum know what they say

Link to post
Share on other sites

OK LP here is the letter of complaint with the confidential issue taken out. Tell me what you think. Any mods gratefully received

 

 

October 8, 2008

Nottingham City Council

The Guildhall

Burton Street

Nottingham

NG1 4BT

RE: Visiting of a Bristow & Sutor Bailiff to my abode on the 06th October 2008

Dear Sir or Madam:

I am writing to complain in the strongest terms with regards to the above visitation by a bailiff to my house.

According to the bailiff the visit was to retrieve claimed council tax arrears for Miss Amelia xxxxxxx. The arrears were allegedly accrued during the period 31st July 2002 until sometime in 2007, for the property XXXXXXXXXXXXXXXX.

The amount which the bailiff claims has been accrued and is now owed is £3068.54.

I wish to strongly complain about this visit on the following grounds.

1: This is the first time that Miss xxxxxxx (now Mrs Amelia xxxxxxxx) is aware that she has been approached by the council in relation to council tax arrears. From 31st July 2002 no bills or any other correspondence has been forthcoming with regards to this matter. We found it absolutely outrageous that the apparent first port of call for the council with regards to this matter is recourse to a debt recovery company.

2: With regards to the claim for council tax on Miss Leeman for the period outlined above; Miss xxxxxxx vehemently contests that the council tax was included in the rent which she paid to her landlord Mr. XXXXX. At no time did Miss Leeman agree to accept liability for the council tax on the property. However, on contacting your office it was confirmed to Miss Leeman that Mr XXXXXhad been allowed to transfer liability without any coobberating evidence, such as the tenancy agreement.

Therefore Miss xxxxxx has wrongly been made responsible for a substantial sum of £3068.54 of council tax arrears without even being aware of the alleged liability. Furthermore the first time that Miss Leeman is aware of allegation of liability for these arrears is some 6 years and 2 months after first moving into those premises.

Please be advised that unless your office deals with this matter to the satisfaction of Miss xxxxxxx at your earliest possible convenience we will be pursuing our complaints with utmost vigor. We will be making our complaints known to our local councilors, Nottingham City Council as a whole, the board of directors for Nottingham City Council, our local MP as well as the Valuation Tribunal and, if necessary to the Local Government Ombudsman claiming, as we believe, maladministration causing injustice.

I trust that you will immediately give this complaint your utmost attention. Please be advised that we require your response to this complaint in writing.

Sincerely,

Edited by JamesAndAmy
remove names
Link to post
Share on other sites

OK LP here is the letter of complaint with the confidential issue taken out. Tell me what you think. Any mods gratefully received

 

 

October 8, 2008

Nottingham City Council

The Guildhall

Burton Street

Nottingham

NG1 4BT

RE: Visiting of a Bristow & Sutor Bailiff to my abode on the 06th October 2008

Dear Sir or Madam:

I am writing to complain in the strongest terms with regards to the above visitation by a bailiff to my house.

According to the bailiff the visit was to retrieve claimed council tax arrears for Miss A Lxxxxxx. The arrears were allegedly accrued during the period 31st July 2002 until sometime in 2007, for the property XXXXXXXXXXXXXXXX.

The amount which the bailiff claims has been accrued and is now owed is £3068.54.

I wish to strongly complain about this visit on the following grounds.

1: This is the first time that Miss Lxxxxxx (now Mrs Axxxx Mxxxxx) is aware that she has been approached by the council in relation to council tax arrears. From 31st July 2002 no bills or any other correspondence has been forthcoming with regards to this matter. We found it absolutely outrageous that the apparent first port of call for the council with regards to this matter is recourse to a debt recovery company.

2: With regards to the claim for council tax on Miss Lxxxxx for the period outlined above; Miss Lxxxxx vehemently contests that the council tax was included in the rent which she paid to her landlord Mr. XXXXX. At no time did Miss Lxxxxx agree to accept liability for the council tax on the property. However, on contacting your office it was confirmed to Miss Lxxxxx that Mr XXXXXhad been allowed to transfer liability without any coobberating evidence, such as the tenancy agreement.

Therefore Miss Lxxxxx has wrongly been made responsible for a substantial sum of £3068.54 of council tax arrears without even being aware of the alleged liability. Furthermore the first time that Miss Leeman is aware of allegation of liability for these arrears is some 6 years and 2 months after first moving into those premises.

Please be advised that unless your office deals with this matter to the satisfaction of Miss Lxxxxx at your earliest possible convenience we will be pursuing our complaints with utmost vigor. We will be making our complaints known to our local councilors, Nottingham City Council as a whole, the board of directors for Nottingham City Council, our local MP as well as the Valuation Tribunal and, if necessary to the Local Government Ombudsman claiming, as we believe, maladministration causing injustice.

I trust that you will immediately give this complaint your utmost attention. Please be advised that we require your response to this complaint in writing.

Sincerely,

 

Proposed letter [after amending yours]:

 

Complaints Department,

Nottingham City Council,

The Guildhall,

Burton Street,

Nottingham,

NG1 4BT

 

10th October 2008

 

Dear Sirs,

 

I am writing to complain about the visit of a Bristow & Sutor bailiff to my property on the 6th October 2008.

 

According to the bailiff the visit was to retrieve council tax arrears for Miss Axxxxx Lxxxxx. The arrears were allegedly accrued during the period 31st July 2002 until sometime in 2007, for the property XXXXXXXXXXXXXXXX.

The amount which the bailiff claims has been accrued and is now owed is £3068.54.

 

1. This is the first time that Miss. Lxxxxx (now Mrs. Axxxxx Mxxxxxxx) has been approached by the council in relation to council tax arrears. From 31st July 2002 no bills or any other correspondence has been forthcoming with regards to this matter. We find it absolutely outrageous that the apparent first port of call for the council with regards to this matter is recourse to a debt recovery company.

 

2. With regards to the claim for council tax against Miss. Lxxxxx for the period outlined above; Mrs. Axxxxx Mxxxxxxx contends that the council tax was included in the rent which she paid to her landlord Mr. XXXXX. However, on contacting your office it was confirmed to Mrs. Mxxxxxxx that Mr XXXXX had been allowed to transfer liability without any evidence, such as the tenancy agreement. Mrs. Mxxxxxxx contends that this is unfair, as she was not approached at the time to contest this matter.

 

Therefore it is my contention that Mrs. Mxxxxxxx [formerly Miss. Lxxxxx] has been wrongly made responsible for a substantial sum of £3068.54 of council tax arrears without even being made aware of the alleged liability. Furthermore the first time that Mrs. Mxxxxx had been made aware of her alleged liability for these arrears is some 6 years and 2 months after first moving into those premises.

 

It is our contention that the lack of dealing with this matter till several years after the tenant had vacated the property is nothing less than maladministration causing injustice, therefore we will be making a complaint to the Local Government Ombudsman on this basis should your response not be satisfactory.

 

Furthermore, should your response not be to our satisfaction, we will be contacting our MP and also be making sure that this matter is publicized in the papers.

 

I should advise that should any bailiff's be sent to our current address, we will be reporting the matter to the Office of Fair Trading as the account is in dispute thus bailiff's have no right to try and enforce the debt. This will also reflect badly on the Council. I demand that in your response you confirm that the file has been withdrawn from the bailiff's.

 

Finally, I demand that all responses must be in writing. I expect a satisfactory response within 28 days.

 

Sincerely,

 

 

-------------------------------------------------------------------------

Responses:

 

1. Re: "At no time did Miss Lxxxxx agree to accept liability for the council tax on the property." You cannot accept or refuse liability for council tax. Council tax is an automatic liability. This sentence therefore doesn't make sense.

2. The Valuation Tribunal deals with problems on valuing properties for council tax, not problems with liability issues!

3. Your Councilor is part of the Council, so complaining to him/her would be pretty much useless in my opinion.

4. Your wife must sign the letter as they cannot deal with you without her express written permission.

 

Also I need to stop the baliff from returning how do I do that????? I want to stop incurring anymore charges

The account is in dispute so bailiff's are not allowed to try and enforce it. Furthermore, they can certainly not add any such charges to the "debt" as you had never know about it. Whatever you do, do NOT let them in!

Edited by legalpickle
removal of names & slight changes

-------------------------------------------------------------------------------------

:!: All the information I impart is my advice based on my experience. It does not constitute professional advice. If in doubt, always consult with a professional. :!:

 

:-) If you feel my post has been helpful, please click my scales. :-)

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...