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    • The latest polls say otherwise    Party support: 3 June 2024   LAB 45% (40-50%) CON 24% (19-29%) REF 11% (8-14%) LD 10% (7-13%) GRN 5% (2-8%) SNP 3% (2-4%) PC 1% (<1-2%)
    • Oh, one other thing. It may sound a silly question, but as they say - silly questions are better than silly mistakes. The correspondence address in the current case and the previous one is correct and current. I've never actually written to the banks to confirm my address, as is regularly advised, because I presumed if Moriarty/IDR/J&P are using that address, there would be no need to. So because both cases seem to have my address correct, should I still write to the bank or take it that there's no need in this instance?
    • Yep, that's it @dx100uk - thanks for the clarification. My bad... Cheers again for all your help 👍
    • Hi all Just coming back to this Forum, as it helped me so much a few years back with ADCB/Moriarty. So I've had the circulars from IDR chasing Emirates NBD debt. They've been on and off over past few years, seem to be a run of letters, emails SMS and then go quiet, then start again.   A few months ago, same started with J&P, just a basic letter, email, sms asking to get in contact. Then last week I saw an email from Emirates NBD saying J&P were acting on their behalf. Up to this point, the main thrust of the letter seems to be please contact us, or contact ENBD about payment. Then I received a letter - I can't scan/upload it at this time but I will as soon as I can - which appears to be similar to what I've seen on other threads. Namely giving bank details of ENBD, saying they've been "instructed to pursue action", and saying they've enclosed a copy of Information Sheet, Reply Form in compliance of Pre-Action Protocol They state I have 30 days from date on letter to reply, and "if you fail to do so our client may have no option but to pursue further action against you". I'm of the view, as per advice on other threads and my experience with the other lender/company, to reply as per thread #5 in the main thread. On the basis that I wouldn't wish to give them ammunition by not replying or missing the opportunity. I'm aware that on some threads, in similar situation, one poster had been advised by sols not to reply and apparently J&P didn't progress from there, other than sending same requests. I feel these things are always down to the individual's choice, and I'm keen to see what others may have done/may be doing so will actively read other threads also.   Please feel free to ask if I can help with anything, or share any opinions, and in the meantime I'll get the uploads done ASAP.   Thanks again for everyone's help in the past, and hopefully the future, and good luck to all
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What are standard charges for Sheriff chasing CTAX debt


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I'm tired of Scott and clowns adding zeros to my friends account.

 

What is the process for claiming back charges from this set of losers and what are acceptable fees assoaciated with writing scary letters.

 

Thanks all

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What charges are they adding and what type of account is it?

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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  • 1 month later...

This is probably a question for rory32 but if anyone else can answer feel free.

 

I have been advising people on here and firmly believed that the council could not refuse payments or arrangements to pay, but I am now not sure due to an existing issue with a DCA/Council.

 

Can a council refuse an offer of payment and instead refer you to the DCA?

 

If so why?

 

The DCA does not buy council tax debt therfore they are only the pond life charged with collecting. Right?

 

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Hi UnmoderatetheNet, as you say, the council dont sell the debt, they aim to collect in full, in my experience it has always been sheriff officers who pursued the debt with the council adding a 10% surcharge. This is one for Rory.

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I think it is usually a matter for the Local Authority. Some may be reluctant to take the debt back from the DCA as they do not have the capacity or systems to monitor that the arrangement is being adhered to. Some will take the debt back. Also if the payments were not maintained the Council would then have to pass the debt back to the DCA to do dilligence, arrestment, attachments etc.

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sorry to be blatantly bumping this but does anyone know what the deal is with councils refusing payment.

 

Where does it state that councils can choose to ignore any cheques received or bin any completed DD mandates received????

 

Councils unlike private companies are governed by written code of practice

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Have you considered making a complaint to the Local Government Ombudsman about your council not accepting payments?

 

Local Government Ombudsman

23 Walker Street

EDINBURGH

EH3 7HX

Telephone: 0131 225 5300

Fax: 0131 225 9495

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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Have you considered making a complaint to the Local Government Ombudsman about your council not accepting payments?

 

Local Government Ombudsman

23 Walker Street

EDINBURGH

EH3 7HX

Telephone: 0131 225 5300

Fax: 0131 225 9495

 

 

I tried making a complaint to Ombudsman, but was informed I have to go through the council complaints procedure first

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You tend to get this reaction with all ombudsman departments.

They are there to be used when you've exhausted the normal channels.

 

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  • 2 weeks later...

What are the standard charges for a DCA Sheriff chasing a council tax debt?

 

Can they charge whatever they want?

 

Are the fees regulated or documented?

 

Thanks caggers

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For the granting of a summary warrant a surcharge of 10% of the outstanding balance is added.

 

If further action is required through diligence then the following fees apply http://www.opsi.gov.uk/legislation/scotland/ssi2008/pdf/ssi_20080430_en.pdf

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BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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  • 1 month later...

Who is the Scottish equivalent of the FOS for sheriffs?

I've noticed a sharp increase in lies and blatant abuse of OFT guidelines from Scott and clowns and believe they are well over due for a complaint or two.

It’s also good to tell people where to go if they feel they have been unjustly treated.

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I thought it was straight forward enough.

So let me further explain. When Blair, Oliver and Scott or Moorcroft don't supply a CCA for example you report them to FOS. At least I hope you do.

Now Scott and clowns generally deal with council tax but despite there sheriffs status they are prone to abusing the system, sending misleading letters and they employ collections staff who they later have to claim ‘are retraining and our fully trained staff would never say things like that’.

They also state in numerous letters I’ve seen that they deal with summary warrants at sheriff’s court and are outside the remit of FOS.

So who are the Scottish equivalent for the FOS or who keeps the Scottish sheriffs in line because I for one would love to know.

We live in an unmoderated country why should the net be any different?

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Who is the Scottish equivalent of the FOS for sheriffs?

 

I've noticed a sharp increase in lies and blatant abuse of OFT guidelines from Scott and clowns and believe they are well over due for a complaint or two.

It's not actually a sheriff you would be complaining about, it's a sheriff's officer, which I think is where the confusion arose.

 

You can send your complaint in writing to the Sheriff Principal - call your local sheriff court for contact details.You could also make a complaint to the Society of Messengers-At-Arms and Sheriff Officers.

 

The Sheriff Principal has the power to fine and censure the company and individuals in question, as was the case with Stirling Park (owned by the DCA Intrum Justitia no less). The Sheriff Principal is the only person who can take away a sheriff officer’s right to practise.

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HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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