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    • Received a final demand today Final demand.pdf
    • Here is my final draft: I, XXXXXX, being the Defendant in this case will state as follows; I make this Witness Statement in support of my defence in the claim and further to my set aside application dated 1 November 2022. The claimants witness statement confirms that it mostly relies on hearsay evidence as confirmed by the drafts in person in the opening paragraph. It is my understanding they must serve notice to any hearsay evidence pursuant to CPR 33.2(1)(B) (notice of intention to rely on hearsay evidence) and Section 2 (1) (A) of the Civil Evidence Act.   1.        The claimant failed to comply with the additional directions ordered by District Judge Davis on the 2 February 2024 'The Claim shall be automatically struck out at 4pm on 3 April 2024 unless the Claimant delivers to the Court and to the Defendant the following documents.' None of these documents were received by the court nor the defendant by that date.   2.        I understand that the claimant is an Assignee, a buyer of defunct or bad debts, which are bought on mass portfolios at a much reduced cost to the amount claimed and which the original creditors have already wrote off as a capital loss and claimed against taxable income as confirmed in the claimants witness statement exhibit by way of the Deed of Assignment.   As an assignee or creditor as defined in section 189 of the CCA this applies to this new requirement on assignment of rights.  This means that when an assignee purchases debts (or otherwise acquires rights under a credit agreement) it also acquires certain obligations to the borrower including the duty to comply with CCA requirements (such as the rules on statements and notices and other post-contractual information).  The assignee becomes the creditor under the agreement. This ensures that essential consumer protections under the CCA cannot be circumvented by assigning the debt to a third party.   3.        The alleged letter of claim dated 7 January 2020 was served to a previous address which I moved out of in 2018, no effort was made to ascertain my correct address.  I have attached a copy of my tenancy agreement which is marked ‘Appendix 1’ and shows I was residing at a difference address as of 11 December 2018 and was therefore not at the service address at the time the proceedings were served.  I have also attached an email from my solicitors to the Claimants solicitors dated 14 July 2022 which was sent to them requesting that they disclose the trace of evidence they utilised prior to issuing the proceedings against me.  This is marked ‘Appendix 2’.  The claimants solicitors did not provide me with these documents.   4.        Under The Pre-Action Protocol for Debt Claims 2017 a Debt Buyer must undertake all reasonable enquiries to ensure the correct address of a debtor, this can be as simple as a credit file search. The Claimant failed to carry out such basic checks. Subsequently all letters prior to and including ,The Pre action Protocol letter of claim dated 7 January 2020 and the claim form dated 14th February 2020 were all served to a previous address which I moved out of in 2018.   5.        I became aware of original Judgement following a routine credit check on or around 14th September 2020.   6.        Upon the discovery of the Judgement debt, I made immediate contact with the Court and the Claimant Solicitors, putting them on notice that I was making investigations in relation to the Judgement debt as it was not familiar to me.  I asked them to provide me with a copy of the original loan agreement but this was not provided to me.   The correspondence to the Claimant Solicotors is attached and marked ‘Appendix 3’   7.        I then sent a Data Subject Access Request to Barclays but no agreement was provided. Details the timeline of communication between myself and Barclays are attached and marked ‘Appendix 4’and the copies of correspondence between myself and Barclays are attached and marked ‘Appendix 5’.   8.        The claimant relies upon and exhibits a reconstituted version of the alleged agreement.   It is again denied that I have ever entered into an agreement with Barclaycard on or around 2000.  It is admitted that I did hold other credit agreements with other creditors and as such should this be a debt that was assigned to Barclaycard from another brand therefore the reconstituted agreement disclosed is invalid being pre April 2007 and not legally enforceable pursuant to HH Judge Waksman in Carey v HSBC 2009 EWHC3417.  Details of this are attached and marked ‘Appendix 6’.   The original credit agreement must be provided along with any reconstituted version on a modified credit agreement and must contain the names and address of debtor and creditor, agreement number and cancelation clause.   9.        Therefore the claimant is put to strict proof to disclose a true executed legible agreement on which its claim relies upon and not try to mislead the court.   10.   As per CPR 1.4(2)(a) the court encourages parties to cooperate with each other in the conduct of proceedings in order to try and save time and costs for the parties and to also save the time and resources of the court however, despite vast attempts at mediation the claimants have been most unreasonable and have remained unwilling to mediate. Until such time the claimant can comply and disclose a true executed copy of the original assigned agreement they refer to within the particulars of this claim they are not entitled while the default continues, to enforce the agreement pursuant to section 78.6 (a) of the Credit Consumer Act 1974. I believe that the facts stated in this Witness Statement are true.  I understand that proceedings for contempt of court may be brought against anyone who makes, or causes to be made, a false statement in a document verified by a statement of truth without an honest belief in its truth. Signed                 ………………………………………………….. Name                  XXXX Date                     30 April 2024
    • Only trying to help.  Ain't being nasty.  Some
    • Hi folks, I've just found previous documentation. I thought it had gone missing. I'd forgotten that I did appeal it through POPLA but I can't find the thread on here that, I assume, I posted for help. Appeal letter is dated 27/10/2020 with a rejection. I genuinely had forgotten about this so apologies for misleading you. A lot has happened in the years since the ticket was issued. We closed down a couple of businesses and moved to the opposite end of the country to retire. The documents I have are scanned copies. I no longer have the originals. The NTK is also in there. If there's anything you'd like to see, please let me know and I'll post them, although it probably won't be until tomorrow now, but I'll be looking in on this page tonight. Thank you for the responses so far
    • Hello! After emailing them I received this reply:   I have drafted the following, please would you be able to comment as to if you think it is correct/sufficient? "Thank you for your email.   Thanks you for confirming that the vehicle does not have these features as stated in the advertisement.    I am sure you are aware that the Consumer Rights Act 2015 provides the short term right to reject within 30 days. Statutory rights cannot be taken away from a consumer, and any attempt to do so is illegal.   Please can you advise how best to return the vehicle?" Thanks in advance!
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    • 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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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BAILIFF FEES FOR COUNCIL TAX

 

Source:

 

The Council Tax Administration & Enforcement (Amendment) 1993. Si 773 amended by Si 295 0f 1998, Si 768 of 2003 and Si 3395 of 2006

 

 

EXPLAINATION

 

First visit fee: £24.50

 

This is for a first attendance to levy but where a levy does not takes place. (For example where you are not in)

 

The bailiff can charge a levy fee if they levy but he cannot charge both amounts on the same occasion.

 

Second visit fee: £18.00

 

Despite any further visits, the bailiff can only charge for a maximum of 2 visits.

 

Levy Fee:

 

This is where the bailiff levies on goods and a Walking Possession is signed.

 

Under this heading the bailiff can charge £24.50 for the first £100, and 4% on the next £400 etc. For example: assuming your Council Tax bill is £600, the total amount that you should pay is as follows:

 

First £100 £24.50

Next £400 @ 4% £16.00

Remaining £100 @ 2.5% £ 2.50

Walking Possession Fee £12.00

 

Total £55.00

 

Attendance fee:

 

For one attendance with a vehicle with a view to recover goods but only after a levy has been made under this heading.

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Last year I was taken to court by my LA for late payment of CT, ended up having to pay the full years tax up front. So paid the LA in full in September last year, in the mean time the LA had refereed the matter to the Bailiffs.

Never paid the Bailiffs a penny and never let them in to my home.

 

Now I became unemployed thus able was able to claim CT benefit, thus my acc was now in credit, managed to get the council to repay me the over payment of CT back, but to my shock the LA deducted the bailiffs fees.

 

My question is can the council do this ? As the over payment was for council tax and is my money I feel robbed.

What steps should I take ?

 

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The Bailiffs tried it on for £180 after investigation I had found they were trying to charge me for a fictitious Levi, I got on to my Local MP who promised to write to the local borough commander. As by trying to charge for fees that have not been incurred is fraudulent misrepresentation.

I got the fees down to £42 but was not intending to pay theses leeches a penny, the council have now used my council tax rebait money to pay them thus I am very ****ed off.

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No I don't think that they can do this. How nice and convenient for them to pass your money on, except of course you aren't either contracted to the bailiffs or required to pay anything them law.

 

Remedy.

 

Ask the council under which statute you are required to pay ANY bailiffs fees. (Don't let them lazily point to the clause in the Council Tax Act which allows bailiffs to ASK for fees).

 

Tell the council that you paid the amount to them in full as per your council ta and that they accepted it as council tax. Tell them that the notice did NOT include bailiffs fees and therefore diverting your money to a third party is illegal. Had the council any reason to believe that such payment was short by whatever amount they have disingenuously passed on the bailiffs, then it would have been written in to their demand.

 

After that it is a moot point that they should have asked for whatever shortfall they imagined existed at the time of receipt rather than to remain silent and wait until a change in your circumstances presented them what they imagine to be a fortuious windfall to unlawfully pass on.

 

Give them notice that whatever they have passed on, you will deduct it form 2010 - 2011 and let them tell you why this fall fouls of the law.

 

Incidently, How much has the council given away?

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Fari Parking - I think the OP said intially the bailiff demanded £180 and this was 'reduced' to £42 when the legalities were questioned post #3

 

THE bailiffs in this case may be in-house council bailiffs, but it still seems to me that the council-tax department has acted illegally in deducting bailiff fees. Moreover, if an in-house bailiff department was indeed involved it has broken the law by fraudulently demanding an amount well in excess of the legal fee, and a very strong protest should be made to the council about this.

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I will be phoning and writing to the council and pointing out FAIR PARKINGS points. I will also be re contacting my local libdem councilor who was investigating the councils behavior and the fraud by the Bailiffs ( Newlans ) She did say that she would write to the local police big wig and ask them to investigate Newlans for fraudulent misrepresentation ;-)

My local MP thought that most Bailiffs were pretty much bottom feeders !

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I think bailiffs are entitled to charge fees and there may even be a schedule somewhere...either way, they should be reasonable and proportionate

If you feel I've helped then by all means click my star to the left...a simple "thank you" costs nothing! ;)

 

Restons MBNA -v- WelshMam

 

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I think bailiffs are entitled to charge fees and there may even be a schedule somewhere...either way, they should be reasonable and proportionate

 

Fairparking got it right first time, as usual.

The Council Tax (Administration and Enforcement) Regulations 1992

 

amended to

The Council Tax and Non-Domestic Rating (Amendment) (England) Regulations 2006

 

Bailiffs have no power to vary a Liability Order, and that's all you are obliged to pay the council.

 

Once the council is paid in full, the bailiffs may invoice you, and can pursue you through the small claims court. But that's it.

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Fairparking got it right first time, as usual.

The Council Tax (Administration and Enforcement) Regulations 1992

 

amended to

The Council Tax and Non-Domestic Rating (Amendment) (England) Regulations 2006

 

Bailiffs have no power to vary a Liability Order, and that's all you are obliged to pay the council.

 

Once the council is paid in full, the bailiffs may invoice you, and can pursue you through the small claims court. But that's it.

 

The latter regulations, quoted above provides the Schedule 5 Statutory Rates for distress as follows...

 

3) In Schedule 5 (charges connected with distress)—

 

(a) in column (2) of the Table in paragraph 1—

 

 

  • (i) in the row corresponding to head A(i) of column (1), for "£22.50" substitute "£24.50",
     
    (ii) in the row corresponding to head A(ii) of column (1), for "£16.50" substitute "£18.00",
     
    (iii) in the row corresponding to head E(i) of column (1), for "£14.00" substitute "£15.00",
     
    (iv) in the row corresponding to head E(ii) of column (1), for "£11.00" substitute "£12.00", and
     
    (v) in the row corresponding to head H(i) of column (1), for "£22.50" substitute "£24.50";

(b) in paragraph 2(1)(a), for "£22.50" substitute "£24.50".

 

Section 45 of the former regs state:

 

Distress

45.—(1) Where a liability order has been made, the authority which applied for the order may levy the appropriate amount by distress and sale of the goods of the debtor against whom the order was made.

 

(2) The appropriate amount for the purposes of paragraph (1) is the aggregate of—

  • (a) an amount equal to any outstanding sum which is or forms part of the amount in respect of which the liability order was made, and

 

  • (b) a sum determined in accordance with Schedule 5 in respect of charges connected with the distress.

 

So, I reckon they can add the two together...

 

 

If you feel I've helped then by all means click my star to the left...a simple "thank you" costs nothing! ;)

 

Restons MBNA -v- WelshMam

 

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if you read it again, you'll see that that only applies once a levy has taken place.

 

That's why subsection 3, says that if the amount is tendered to the council they'll accept it and a levy won't be proceeded with.

 

The key is whether or not a lawful levy has taken place.

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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.

 

It also makes a nonsense of that old chestnut "you have to pay the bailiffs".

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Hope that makes sense now.

 

Err actually no!! ;)

 

But thanks, I appreciate you trying to explain!!

 

Will take a closer look when a few more of my brain cells are active :D

If you feel I've helped then by all means click my star to the left...a simple "thank you" costs nothing! ;)

 

Restons MBNA -v- WelshMam

 

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The Bailiffs tried it on for £180 after investigation I had found they were trying to charge me for a fictitious Levi, I got on to my Local MP who promised to write to the local borough commander. As by trying to charge for fees that have not been incurred is fraudulent misrepresentation.

I got the fees down to £42 but was not intending to pay theses leeches a penny, the council have now used my council tax rebait money to pay them thus I am very ****ed off.

 

Hi everyone

Sic vis you have made my day.

I, too, have this problem and have spent most of today on the telephone and net trying to find answers.

 

But I want to bounce round an idea for you guys to ponder......... If you want to make a complaint about a certificated bailiff you use form 4.

Form 4 falls under the Distress for Rent Rules 1988 (Rule 8).

I checked out this act and look what I came across The Distress for Rent Rules 1988 scroll down to LEVY AND REMOVAL then 12(2)

 

So if this ACT does cover this then he has broken the law as it says he SHALL not should.

What you think guys?

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Right I have just heard back from the Ministry of Justice and I am right, they are covered by the Distress for Rent Rules 1988.

 

So I am hoping that as he has charged me fees and not followed these rules I can whoop his butt

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Guest Happy Contrails

You wont whoop his butt, but from personal experience in Form 4 cases of charging unlawful fees, the judge rolls the case is rolled back to the original debt and all bailiffs fees are rescinded.

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So I called Chief Executives office for Haringey council and gave them a polite blast down the phone pointing out that as long as I draw breath, I will never give the council consent to pay Bailiffs a penny of my hard earned dosh.

 

Thus far my money has not been sent to the Bailiffs ;-) I have now been promised a thorough investigation in to Newlans sharp and fraudulent behavior.

 

I asked the council to explain why the bailiffs were also threatening to Levi against me when my debt was paid in full to the council !

 

Thank you to all who have posted and for all the excellent advice. This is a great forum and helps many people.

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