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    • Ok thanks guys for all the help & advice I think I will go the DRO option but will open a new bank account somewhere else first etc.  The only other things im little worried about is reading on the DRO it says about I wont be able to apply for credit but what about things like my car insurance as thats classed as credit paying it monthly Plus they say i must not have assets or car worth over £1,000 so what about things like my car worth around 2.5k and as said before when my father passed away he left me his camper that I cant part with its worth about 4k and what about things in house and jewellery etc ?? Can they come to house and check and so on
    • threads merged  please keep to one thread per issue.   dx  
    • read it proprly.. it doesn't say WILL anything and original creditors don't do court as they don't want the judge delving into their business model nor the bad publicity.   as for the FOS you just have to let it run. yours is a very short time since yo put it into them typically it always takes 6-9mts normally before they move on anything though they usually send you an ACK they have the complaint.        
    • Since the last post on this thread I have sent a complaint to the FOS but have not heard anything from them as yet either, I'm guessing they're rather snowed under and on reduced staff so no real surprise.   Still had nothing approaching help from lending stream but today they emailed me default notices for the loans, again demanding I phone them and pay up in full or they will begin court proceedings.   Any advice as to how I should proceed please?
    • Hi,   I received two PCNs in October 2019 from Havering Council. All the below applies to both PCNs, as the correspondences were at the same time:   Fast forward to February 2020, I file witness statements on grounds that I made representations within 28 days but did not receive a rejection notice.   The TEC cancelled charges.   Havering write to me asking for supporting evidence of representations that I made.   I email them screenshots with timestamps of the representations.   In early March Havering reply to me by email 'confirming receipt of email and both cases are now on hold pending an investigation. Please allow time for a full response to be sent.'   Fast forward to 18th June Havering write to me the attached:  Havering Charge Certificate.pdf   Now, it seems as though the sender of this letter is not up to date with both cases and is unaware of the TEC's decisions, as well as the email correspondence.   My questions are, 1) What should I do next? and 2) Is there a way to use their misstep to avoid paying for the PCN entirely?   Thank you.
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we have just had a final notice from these lovely people and they have demanded minimum payment of £223.20 by noon tomorrow as part repayment of council tax arrears. They called to our house last week and we didnt answer the door. When they left we read the letter they had posted threatening us with police and forcing entry, my husband rung them and they said they would be back to seize goods if they couldnt get payment. all our belongings are from brighthouse and our car is on finance. we have spoke to our council to try and arrange payment but they said they have to wait for the debt to be passed back to them but the baliffs said before that the debt will not be returned to the council. We have appointment booked with the cab to arrange a iva but that isnt for a few weeks other than keeping the doors locked and windows is there anything that we can do. we are not refusing payment of the council tax we are just refusing to pay it to the baliffs

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UNLESS you let the bailiff into your home ( do not do this !!) or have a car outside on which a bailiff cany levy then there is NOTHING that the bailiff can do.

 

He can charge you £24.50 for "attending to levy where no levy was made".

 

It is important that you WRITE to the company to advise them of your circumstances and to confirm that goods are provided by Brighthouse etc. You will need to provide a payment plan but please do ensure that any offer of repayment is affordable as otherwise the bailiff will simply return back to your home and you will have the same problem again.

 

Also, by providing a payment proposal you cannot be seen as "wilfully refusing to pay". This is important if the debt is to be returned back to the Council.

 

Can you PLEASE provide the EXACT wording of the letter that you have received.

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this is what is on the letter i recieved today I must now give you 24 hours statutory notice of my intentions to recall and remove your effects, suffcient to satisfy the debt and costs.

 

To keep cost to yourself to a minimum, I ask that you contact me to arrange a time suitable for us to be allowed access to your premises.

 

Should you wish to avoid this distressing course of action and the resulting costs incurred.

 

They have hand written that min payment 223.20 to be paid tomorrow and the debt will not be returned

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they cannot remove goods without a walking possession agreement

 

are you sure they have not done a levy on your car

 

what does the letter say about forced entry and getting the police involved

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havent got that letter to hand the part about the police was hand wriiten and said next visit would be with police so they could gain entry. the car finance company told my husband that the car would still belong to them until the very last payment was made and the baliffs could not take it

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that is a very important letter the bailiff has misrepresented his powers

and a copy of this letter should be sent to your council

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what do I do if I cannot find this letter

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there not a lot a you can do if you cannot find the letter your word against the bailiffs

a bailiff can lose his licence for doing things like this

 

i would also be very careful that the bailiff has not levied on your car the bailiff doesn't know your car is on HP and you wouldn't be the first person to have a car levied with no knowledge of it

 

have you checked how much the liability order sent to the bailiffs was for and how much the bailiff has added in charges

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the orginal debt is for about 750 and the amount that thy want is 911.53 my husband told them that the car was on hp

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the bailiffs charges are wrong 1st visit if no levy £24.50 second visit £18 if no levy

the bailiff has added £161.53 in charges to this account you must find out what the £119.03 has been added for (levy on car i bet)

 

this assuming that you have had 2 visits from bailiffs

Edited by hallowitch

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they will have been 3 times now

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they can only charge for 2 visits even if the come to your house 100 times bailiff charges with no levy are £42.50

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