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    • You will probably get a couple more reminders followed by further demands fro unregulated debt collectors with even increasing amounts to pay. They are all designed to scare you into paying.  Don't. It's a scam site and they do not know who was driving and they know the keeper is not liable to pay the PCN. Also the shop was closed so they have no legitimate interest in keeping the car park clear. So to charge £100 is a penalty as there is no legitimate interest which means that the case would be thrown out if it went to Court.  Keep your money in your wallet and be prepared to ignore all their letters and threats. Doubtful they would go to Court since a lot more people would not pay when they heard  MET lost in Court. However they may just send you a Letter of Claim to test your resolve.  If yoy get one of those, come back to us and we will advise a snotty letter to send them.  You probably already have, but take a look through some of our past Met PCNs to see how they are doing.
    • Hello, been a while since I posted on here, really hoping for the same support an advice I received last time :-) Long, long story for us, but basically through bad choices, bad luck and bad advice ended up in an IVA in 2016. The accounts involved all defaulted, to be expected. In 2018, I got contacted by an 'independent advisor' advising me that I shouldn't be in an IVA, that it wasn't the solution for our circumstances and that they would guide us through the process of leaving the IVA and finding a better solution. I feel very stupid for taking this persons advice, and feel they prey on vulnerable people for their own financial gain (it ended with us paying our IVA monthly contribution to them)-long and short of it our IVA failed in 2018. At the same time the IVA failed we also had our shared ownership property voluntarily repossessed (to say this was an incredibly stressful time would be an understatement!) When we moved to our new (rented) property in August 2018, I was aware that creditors would start contacting us from the IVA failure. I got advice from another help website and started sending off SARs and CCAs request letters. I was advised not to bury my head and update our address etc and tackle each company as they came along. Initially there was quite a lot of correspondence, and I still get a daily missed call from PRA group (and the occasional letter from them), but not much else. However, yesterday i had a letter through from Lowell (and one from Capital One) advising that they had bought my debt and would like to speak with me regarding the account. There will be several.of these through our door i suspect, as we did have several accounts with Capital One. Capital One have written to us with regular statements over the last 5 years, and my last communication with them was to advise of of our new address (June 2019), I also note that all of these accounts received a small payment in Jan2019 (i'm assuming the funds from the failed IVA pot). Really sorry for the long long post, but just thought id give (some of) the background for context.... I guess my question at the moment is.....how do I respond to Lowell...do I wait for the inevitable other letters to arrive then deal with them all together or individually...? Do I send them a CCA?  Many thanks
    • hi all just got the reminder letter, I have attached it and also the 2nd side of the original 1st pcn (i just saw the edit above) Look forward to your advice Thanks   PCN final reminder.pdf pcn original side 2.pdf
    • The airline said it was offering to pay $10,000 to those who sustained minor injuries.View the full article
    • The Senate Finance Committee wants answers from BMW over its use of banned Chinese components by 21 June.View the full article
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      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

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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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The SIA is developing training programmes for Bailiffs. The public's view on the proposed specification is requested.


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Ignore if this has been said before, but I think the creditors should inform the debtor especially council's when they intend to send the bailiffs with a leaflet or something similar which includes information of what a bailiff can and cannot do, this is to be provided by the bailiff company before any bailiff action commences, then not only can the debtor see what a bailiff can and cannot do but also the creditor, so if the bailiff does happen to over step the mark then the creditor has full knowledge and is not so quick to dismiss the debtor with excuses of ignorance. The bailiff company, when addressed by a creditor can then also send out the same information before a visit is made making the debtor aware of his/her rights and what is to be expected including their charges. I know most bailiff companies have this sort of info on their websites but not every one is privy to the internet.

Edited by seanamarts
early morning cock ups
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I think the creditors should inform the debtor especially council's when they intend to send the bailiffs with a leaflet or something similar

The Council Tax( Administration and Enforcement)(Amendment ) Regulations 1998

STATUTORY INSTRUMENTS 1998 No. 295

    " Information preliminary to distress
    45A. - (1) No distress shall be made under these regulations unless, no less than 14 days before a visit in connection with the distress is first made to the premises where it is to be levied, the authority have sent to the debtor written notice of the matters specified in paragraph (2) below.
     
    (2) The matters are -
     
      (a) the fact that a liability order has been made against the debtor;
       
      (b) the amount in respect of which the liability order was made and, where this is a different amount, the amount which remains outstanding;
       
      © a warning that unless the amount specified has been paid before the expiry of 14 days beginning on the date of the sending of the notice, distress may be levied;
       
      (d) notice that if distress is levied further costs will be incurred by the debtor;
       
      (e) the fees prescribed in Schedule 5 to these Regulations;
       
      (f) the address and telephone number at which the debtor can communicate with the authority."
       

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I think that the issuing of a single document, by way of a statement/schedule either presented by the bailiff (on first visit) or sent recorded prior to the first visit. laying out the actions already taken and charges which have been/can be applied to the account by the bailiff.

 

With specific regard to the Complaints procedure, this really needs to be clearly defined and underpinned by legislation. I really cannot see this working if the org responsible for the registration of bailiffs, has no part in the investigation of complaints.

 

You could have the SIA happily renewing licences whilst another clerk elsewhere in another department happily pockets his (alleged) backhander to supress the 5 page list of complaints made against the individual in question. The paper trail needs to be continuous and seamless.

 

My own preference would be that licencing can only be approved if made with the support of an authorised body, ie, the courts, council etc (ideally with proof of an offer of employment subject to licencing) and so forth, that way liability for the bailiff can be placed firmly at those who have supported the application.

 

Also the licence should be with a stipulated employer, a change of employer should be recorded by the licencing body

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Local authorities must be made to realise it is no good them simply sitting behind a desk and repeating parrot fashion "its with the bailiff you must speak with them" they need to have control over the bailiff and be able to take each case on its merit and intervene where neccessary. Likewise bailiff companies should set up a central communications office to allow debtors give reason and offer payment without having to ring the bailiff direct, as often this is where the lies and threats start.

It should be classrom training for new police officers and those already in the field must also be made to attend a training course so they are fully aware of what a bailiff can and cannot do, with this encompassing role play on the various actions expected on several different situations.

 

wd

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I think the creditors should inform the debtor especially council's when they intend to send the bailiffs with a leaflet or something similar

The Council Tax( Administration and Enforcement)(Amendment ) Regulations 1998

 

STATUTORY INSTRUMENTS 1998 No. 295

  • " Information preliminary to distress
    45A. - (1) No distress shall be made under these regulations unless, no less than 14 days before a visit in connection with the distress is first made to the premises where it is to be levied, the authority have sent to the debtor written notice of the matters specified in paragraph (2) below.
     
    (2) The matters are -
    • (a) the fact that a liability order has been made against the debtor;
       
      (b) the amount in respect of which the liability order was made and, where this is a different amount, the amount which remains outstanding;
       
      © a warning that unless the amount specified has been paid before the expiry of 14 days beginning on the date of the sending of the notice, distress may be levied;
       
      (d) notice that if distress is levied further costs will be incurred by the debtor;
       
      (e) the fees prescribed in Schedule 5 to these Regulations;
       
      (f) the address and telephone number at which the debtor can communicate with the authority."

     

thats the sort of thing but in more laymans terms

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Hmmm. For what its worth:- if a bailiff overcharges the debtor, or indeed, targets the wrong 'debtor' then he/she should face criminal charges, same if they don't correctly levy etc...

 

For example, the Police have to be 100% sure they can charge someone before doing so, otherwise it would open a can of worms in that the Police can be sued for wrongful arrest etc.. same should apply for bailiffs charging people money ('scuse the pun)

 

Bailiffs have special powers to seize people's goods and are 'protected' from certain laws, like trespass and harassment. This all assumes, of course, that they are doing their job properly. If they do something wrong, the action against them must depend on the seriousness of the wrong because everyone makes honest mistakes from time to time.

 

The problem with the SIA's proposal is that while they can ensure that bailiffs know the law better than many of them do now, they won't have any way of knowing if the bailiffs behave any better than they do now. It doesn't matter much if bailiffs are trained properly if they can them just ignore their training because the SIA won't deal with complaints.

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Bailiffs have special powers to seize people's goods and are 'protected' from certain laws, like trespass and harassment. This all assumes, of course, that they are doing their job properly. If they do something wrong, the action against them must depend on the seriousness of the wrong because everyone makes honest mistakes from time to time.

 

The problem with the SIA's proposal is that while they can ensure that bailiffs know the law better than many of them do now, they won't have any way of knowing if the bailiffs behave any better than they do now. It doesn't matter much if bailiffs are trained properly if they can them just ignore their training because the SIA won't deal with complaints.

 

Another good point and this is yet another reason WHY this consultation really should have been done once we have seen the Consultation on the proposed regulations for bailiffs and the new fee scale.

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