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    • Hey! Sorry for not writing, I have been extremely busy in the past few weeks. I do have a question though and I wanted to see your opinion. I understand that the next step will be probably to take legal action against Amazon. But there is one thing that I haven't tried yet. What do you think about filing an official complaint through a third party, like https://www.econsumer.gov/#crnt or with the relevant (private sector?) ombudsman (I am not sure where I could do that)? And if I am not happy with the ombudsman's decision, I could still take court action. 
    • what about the unnecessary building insurance?   but to be honest you are not going to ever seriously dent a £148k sum  
    • No just the year stated from 2019
    • Or even the off-premises definition c will apply here too. a contract concluded on the business premises of the trader or through any means of distance communication immediately after the consumer was personally and individually addressed in a place which is not the business premises of the trader in the simultaneous physical presence of the trader and the consumer;   I am not sure what would be classed as 'immediately'   Great to have this discussion by the way which I hadn't contemplated.
    • No negotiations or discussions took place at the agent's premises - the only face-to-face contact was at my home when the agent came for initial introduction and appraisal of the property. Good question regards to the difference between the two. I guess the distance contract applies to sole online purchases whereas bullet (b) of off-premises contract applies to me as the agent's represented visited my home and the offer was made then for the services.   “distance contract” means a contract concluded between a trader and a consumer under an organised distance sales or service-provision scheme without the simultaneous physical presence of the trader and the consumer, with the exclusive use of one or more means of distance communication up to and including the time at which the contract is concluded;     “off-premises contract” means a contract between a trader and a consumer which is any of these— (a) a contract concluded in the simultaneous physical presence of the trader and the consumer, in a place which is not the business premises of the trader; (b) a contract for which an offer was made by the consumer in the simultaneous physical presence of the trader and the consumer, in a place which is not the business premises of the trader; (c) a contract concluded on the business premises of the trader or through any means of distance communication immediately after the consumer was personally and individually addressed in a place which is not the business premises of the trader in the simultaneous physical presence of the trader and the consumer; (d) a contract concluded during an excursion organised by the trader with the aim or effect of promoting and selling goods or services to the consumer;
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We are doing the whole we don't live at this address thing....

 

They tried to set the trap of having securemail try to deliver something that we needed to sign for to confirm that we live at the address but we didn't fall for that one.

 

We heard from someone that debt collection agencies have access to where you live on the council tax, is that true?

 

I was telling my girlfriend I shouldn't think they would put much effort in trying to get a debt that is under £50, but is this likely to ramp up to something in the hundreds or thousands?

 

We are a bit broke at the moment, and really didn't want to pay for a water bill from an old house that the other housemates didn't bother paying, any advice would be great!

 

Thanks

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We heard from someone that debt collection agencies have access to where you live on the council tax, is that true?

Thanks

 

:eek:

 

Ctax data... I would hope not! As far as I know thats not legal

 

DCA's have access to the public version of the Electoral Roll, if you register to vote then the data can be sold on.

 

S.

Are You as Anonymous on CAG as You Think You Are? *Link*

 

The CAG is a free help site,should you be offered help that requires payment,please report it to site team.

 

Deal with your debts:

STEP ONE - Dont Panic! | STEP TWO - Priority & Non Priority Debts | STEP THREE - Personal Budget Sheet | STEP FOUR - A SAFE bank Account | STEP FIVE - Dealing with Priority Debts | STEP SIX - Non-priority Debts | STEP SEVEN - Non-Priority Debt-Repayment Opt1 | STEP EIGHT - Non-Priority Debt-Repayment Opt2 | STEP NINE - Perils of Consolidation | STEP TEN - RE-Evaluate Frequently

 

***** SERIOUSLY IN DEBT, DONT KNOW WHAT TO DO, TRY NationalDebtLine's MoneySteps *****

 

 

IMPORTANT: Please take my advice in the spirit it is given and on the basis that I am expressing my opinion, These opinions are not endorsed by CAG in anyway and are offered informally without prejudice or warranty of any kind. These opinions are solely based upon the knowledge I've gained from this fantastic site and life in general. I have NO legal training.

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council tax register and the electoral roll is 2 different things.

 

Electoral roll anyone can access if they pay, council tax register no they can't.

 

Don't register to vote and you become more difficult to trace - however remember that if you are paying bills at your new address you have transferred from your old i.e. credit cards etc they can link your address on your credit file which again can be searched.

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yeah the council tax register (the same as being able to vote, i think)

 

Eeek, just done a google and it shows that the EROLL register shows voters @ a property and the CTAX register shows owners of a dwelling.

 

ICO approves council tax data share ? The Register

 

S.

Are You as Anonymous on CAG as You Think You Are? *Link*

 

The CAG is a free help site,should you be offered help that requires payment,please report it to site team.

 

Deal with your debts:

STEP ONE - Dont Panic! | STEP TWO - Priority & Non Priority Debts | STEP THREE - Personal Budget Sheet | STEP FOUR - A SAFE bank Account | STEP FIVE - Dealing with Priority Debts | STEP SIX - Non-priority Debts | STEP SEVEN - Non-Priority Debt-Repayment Opt1 | STEP EIGHT - Non-Priority Debt-Repayment Opt2 | STEP NINE - Perils of Consolidation | STEP TEN - RE-Evaluate Frequently

 

***** SERIOUSLY IN DEBT, DONT KNOW WHAT TO DO, TRY NationalDebtLine's MoneySteps *****

 

 

IMPORTANT: Please take my advice in the spirit it is given and on the basis that I am expressing my opinion, These opinions are not endorsed by CAG in anyway and are offered informally without prejudice or warranty of any kind. These opinions are solely based upon the knowledge I've gained from this fantastic site and life in general. I have NO legal training.

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Eeek, just done a google and it shows that the EROLL register shows voters @ a property and the CTAX register shows owners of a dwelling.

 

ICO approves council tax data share ? The Register

 

S.

 

As that reads they would have to tell you that they are planning to share the data and who with - as the article is dated 2007 and so far I don't think this has happened maybe it has been dropped.

 

I certainly hope so

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As that reads they would have to tell you that they are planning to share the data and who with - as the article is dated 2007 and so far I don't think this has happened maybe it has been dropped.

 

I certainly hope so

 

Me too, Might query with my local council on who they share their ctax register with.

 

S.

Are You as Anonymous on CAG as You Think You Are? *Link*

 

The CAG is a free help site,should you be offered help that requires payment,please report it to site team.

 

Deal with your debts:

STEP ONE - Dont Panic! | STEP TWO - Priority & Non Priority Debts | STEP THREE - Personal Budget Sheet | STEP FOUR - A SAFE bank Account | STEP FIVE - Dealing with Priority Debts | STEP SIX - Non-priority Debts | STEP SEVEN - Non-Priority Debt-Repayment Opt1 | STEP EIGHT - Non-Priority Debt-Repayment Opt2 | STEP NINE - Perils of Consolidation | STEP TEN - RE-Evaluate Frequently

 

***** SERIOUSLY IN DEBT, DONT KNOW WHAT TO DO, TRY NationalDebtLine's MoneySteps *****

 

 

IMPORTANT: Please take my advice in the spirit it is given and on the basis that I am expressing my opinion, These opinions are not endorsed by CAG in anyway and are offered informally without prejudice or warranty of any kind. These opinions are solely based upon the knowledge I've gained from this fantastic site and life in general. I have NO legal training.

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We don't own the place we're just renting, didn't register to vote, landlord pays water, gas and electric was top-up in the last place......

 

I think her name is only down to pay council tax and for her bank to send bank statements, no credit card only a simple current account with debit card.

 

Is there any way they can trace her? Maybe that's why they resorted to the securemail trick?

 

Thanks for all your answers!

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The bank will update your credit file and the bedt collectors will find it from there.

Ash.

 

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Thankyou.

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perhaps for £50 it would be a lot better to come to a payment arrangement with them of say £5 a week/month - do you want the hassle of them chasing you and the debt adding and adding for a relatively small amount of money??

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Is it worth searching a credit file for less than £40?

 

yep - they buy in bulk - the can access as many people as they want as many times as they want for a set fee so worth it really.

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