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    • 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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phat256

at my wits end with council tax people

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i am absolutly furious at my council for gross imcompetance.

 

my partner and i was made bankrupt last year me in july and my partner in august. i knew that i was liable for the july to august month council tax so i paid it ..... to be told that today i received a liability order for the sum of 200 pounds relating to this july-august month ..... so i rang them up asking w them why have they done that ?

 

their answer we do acknowledge that you have paid 130 pounds but this was used to pay your previous outstanding sum before your Br order was made.

 

already i have to send them 6 times my BR order to them ( all recorded delivery) and they wont acknowledge it until my Official receiver call them . i have letter acknowledging my bankruptcy and my partner one's from them.

 

then my Official Receiver warn me not to pay any money to them as i am nto liable to any thing pre-Br yes .. how iam goin ot say that to my OR now as i am due to be discharge in a few days . i dont knwo how to revoke this liability order ? they told me to send proof even though thye have acknowldege it on th ephoen that was their error and not mine and on the plus side they have put me into a particuliar situation regarding my duties as an aundischarged bankrupt.

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blimey still no response !

 

they claim i owe them for one month between my BR order and the one of my parnter which i do not dispute howevr i already paid for it nad ihave thge receipt . the council refuse to acknowledge that even though they said they receive my 130 pounds but use it to pay my arrears pre -BR ... obviously they cant do that .

 

today i receive a letter from them telling me thanks for your coplaint but as a gesture of goddwill we removed the cpourt cost so you remain liable for 120 pounds but i have already paid 130 pounds so not only i hav epaid 120 pounds but you have a surplus of 10 popunds and thw orst of it is that this 130 pounds does not show on any on my council tax bill ?! they have a liability order for something i already paid ....

 

i just wonder what are my recourse against them ? is it worth it to go to the local goverment ombudsman ?

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