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    • 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
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rossendales/Council tax pain in the rear ***WON***


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Arrived home this evening to a "best wishes" letter from ****'n'dales saying collecting fees after ive paid the £42.50 that is now £134 ish.. Told him his only entitled to collect council debt and as that is paid his entitled to 'No Penny's' !

Tried to argue the fact that there now chasing there unpaid fee's debt, so at that i said 'See you in court then chumpy' and hung up.

Will send a third email in the morning asking again for there records they hold on me.

 

Oh the joys of a weekend break

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Ok FINALLY got a reply from rossendales.

 

Sent me a breakdown of charges but say i need a SAR to get screenshots !!

 

 

Summary

 

Date Type Amount Amount outstanding

Sep 8 2009 Debt 870.71 0.00

Oct 20 2009 Visit 1 24.50 0.00

Oct 26 2009 Visit 2 18.00 0.00

Feb 17 2010 Attendance/Van 110.00 110.00

Feb 17 2010 Levy fee 24.50 24.50

Feb 21 2010 Payment byD/C 0.80 0.00

 

 

Payments

 

Oct 23 2009 870.71

Feb 21 2010 43.30

 

 

Ok so paid council on 23rd after first visit, paid for visit 1 and 2 to be on safe side now if im correct they owe ME £18 ?

 

Not sure what the Levy fee is all about !!

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Feb 17 2010 Attendance/Van 110.00 110.00

Feb 17 2010 Levy fee 24.50 24.50

 

what did the bailiff levy

did he leave you a notice of seizure of goods and inventory

 

the bailiff has only levied on his fees that why your levy fee is only £24.50

bailiffs cant charge a van fee and a levy fee the same day

 

In my opinion the bailiff is allowed to levy for his fees others may disagree so you will have to make your own mind

 

I'm not saying that the bailiff has a valid levy it doesn't look as if he has

 

send them an e-mail and ask what goods were levied and why there was no notice of seizure of goods and inventory left at the time the alleged levy

the name of the baillif that caried out the levy what court he was certificated at on what date

The Council Tax (Administration and Enforcement) Regulations 1992

Distress

45.—(1) Where a liability order has been made, the authority which applied for the order may levy the appropriate amount by distress and sale of the goods of the debtor against whom the order was made.

 

 

(2) The appropriate amount for the purposes of paragraph (1) is the aggregate of—

  • (a) an amount equal to any outstanding sum which is or forms part of the amount in respect of which the liability order was made, and

  • (b) a sum determined in accordance with Schedule 5 in respect of charges connected with the distress.

(3) If, before any goods are seized, the appropriate amount (including charges arising up to the time of the payment or tender) is paid or tendered to the authority, the authority shall accept the amount and the levy shall not be proceeded with.

 

(4) Where an authority has seized goods of the debtor in pursuance of the distress, but before sale of those goods the appropriate amount (including charges arising up to the time of the payment or tender) is paid or tendered to the authority, the authority shall accept the amount, the sale shall not be proceeded with and the goods shall be made available for collection by the debtor.

 

(5) The person levying distress on behalf of an authority shall carry with him the written authorisation of the authority, which he shall show to the debtor if so requested; and he shall hand to the debtor or leave at the premises where the distress is levied a copy of this regulation and Schedule 5 and a memorandum setting out the appropriate amount, and shall hand to the debtor a copy of any close or walking possession agreement entered into.

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All that was posted through letter box was "Bailiff removal" letter

 

Date 17/02 Time 12 00

 

Hand written is the following

 

Outstanding bailiff costs to be paid in full £177

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usually when they cant get in the house they levy a car or things in the garden but they must leave a notice of seizure of goods and inventory at the time of the levy

 

 

send them an e-mail and ask what goods were levied and why there was no notice of seizure of goods and inventory left at the time the alleged levy

 

when you send the e-mail remind them they are legally bound by the

The Council Tax (Administration and Enforcement) Regulations 1992 Regulation 45 SCHEDULE 5

(5) The person levying distress on behalf of an authority shall carry with him the written authorisation of the authority, which he shall show to the debtor if so requested; and he shall hand to the debtor or leave at the premises where the distress is levied a copy of this regulation and Schedule 5 and a memorandum setting out the appropriate amount, and shall hand to the debtor a copy of any close or walking possession agreement entered into

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Ok will do.. Would it be worth my while to send them £10 for a SAR ?

 

 

personally i don't think so it would be a waste of £10

 

they know they have no levy and i cant see them taking it any further after you question the levy

 

Ask for a copy of there complaints procedure in your e-mail

 

and put at the bottom of it

A copy of this e-mail will be sent to xxx council to be held on file and will be used should it be if necessary to take this matter further

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Will this suffice ?

 

After receiving your reply to my request for a charges breakdown and screenshot of my account, I would like to ask what goods were levied and why there was no notice of seizure of goods and inventory left at the time of the alleged levy.

I now also require the name of the baillif that caried out the levy and what court he was certificated at on what date.

 

May I remind you about the "The Council Tax (Administration and Enforcement) Regulations 1992" as you are bound by it;

 

The Council Tax (Administration and Enforcement) Regulations 1992

Distress

45.—(1) Where a liability order has been made, the authority which applied for the order may levy the appropriate amount by distress and sale of the goods of the debtor against whom the order was made.

 

 

(2) The appropriate amount for the purposes of paragraph (1) is the aggregate of—

(a) an amount equal to any outstanding sum which is or forms part of the amount in respect of which the liability order was made, and

(b) a sum determined in accordance with Schedule 5 in respect of charges connected with the distress.

(3) If, before any goods are seized, the appropriate amount (including charges arising up to the time of the payment or tender) is paid or tendered to the authority, the authority shall accept the amount and the levy shall not be proceeded with.

 

(4) Where an authority has seized goods of the debtor in pursuance of the distress, but before sale of those goods the appropriate amount (including charges arising up to the time of the payment or tender) is paid or tendered to the authority, the authority shall accept the amount, the sale shall not be proceeded with and the goods shall be made available for collection by the debtor.

 

(5) The person levying distress on behalf of an authority shall carry with him the written authorisation of the authority, which he shall show to the debtor if so requested; and he shall hand to the debtor or leave at the premises where the distress is levied a copy of this regulation and Schedule 5 and a memorandum setting out the appropriate amount, and shall hand to the debtor a copy of any close or walking possession agreement entered into.

 

I also ask for a copy of your complaints procedure as I note from your records I have paid for 2 visits when in fact the Liability order was paid 'In Full' after the first visit and before the second and I am awaiting a refund for £18 due to myself for your mis-handling of this case along with an offer of compensation for my "Distress".

 

A copy of this e-mail will be sent to XXXXX Borough Council to be held on file and will be used should it be if necessary to take this matter further.

 

Eggy12

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Will this suffice ?

 

After receiving your reply to my request for a charges breakdown and screenshot of my account,

The breakdown of charges includes a levy fee there was no notice of seizure of goods and inventory left at the time of the alleged levy. this must be left at the time of the levy

For your convenience i have copied the relevant part of the regulations

The Council Tax (Administration and Enforcement) Regulations 1992 Regulation 45 SCHEDULE 5

5) The person levying distress on behalf of an authority shall carry with him the written authorisation of the authority, which he shall show to the debtor if so requested; and he shall hand to the debtor or leave at the premises where the distress is levied a copy of this regulation and Schedule 5 and a memorandum setting out the appropriate amount, and shall hand to the debtor a copy of any close or walking possession agreement entered into.

 

I therefore require a copy of this or at the very least a list of goods levied

I now also require the name of the bailiff that carried out the levy and what court he was certificated at on what date.

 

I also ask for a copy of your complaints procedure as

I note from your records I have paid for 2 visits when in fact the Liability order was paid 'In Full' after the first visit and before the second and I am awaiting a refund for £18 due to myself for your mis-handling of this case along with an offer of compensation for my "Distress".

 

A copy of this e-mail will be sent to XXXXX Borough Council to be held on file and will be used should it be if necessary to take this matter further.

 

Eggy12[/quote

 

 

that makes it a bit shorter but leave in the relevant part of the regulations

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Just had a phone call (wow that was quick) from bailiff in charge asking if we can sort this out ! After semi explaining the rights and wrongs we again got to the stage of me saying 'see you in court then' !

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Whilst you're at it, don't forget to ask them for a copy of the National Standards for Enforcement Agents. This clearly explains the paperwork you should have had and the Standards should be available from any bailiff or bailiff company on request :)

Best wishes.

Rae.

Edited by RaeUK
type o
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Rang him.. His full of brown stuff.. Wont even send me a copy of National Standards for Enforcement Agents as suggested by Kel... The convo then went onto him not being able to copy a copy of it(Due to fact his not online and all that) but he did say his in the area on Wed.. NICE so i said drop in in then ! Bleated on about his rights and lets come to a solution so i again said see you in court, ive sent a message to your company asking for your name and what court you were certified at to no response.. Just trying to remember how many times i told him his full of it ? :)

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Thanks so much for asking, eggy12, I've been waiting for someone to do so. There is so much possible fun provided by the National Standards!

 

You can even write a complaint to his company, to the relevant LA CEO [FORMAL COMPLAINT], and to your MP...

 

Here's what he should be doing [not sure if the last one applies to you but thought I'd put it in] :

 

Information and confidentiality

 

All notices, correspondence and documentation issued by the agent/agency must be clear and unambiguous and to the satisfaction of the creditor.

 

Copies of the National Standards for Enforcement Agents must be freely available from the offices of enforcement agencies, or agents on request and wherever possible from creditors.

 

Enforcement agents should provide clear and prompt information to debtors and where appropriate, creditors.

 

Enforcement agents should, so far as it is practical, avoid disclosing the purpose of their visit to anyone other than the debtor. Where the debtor is not seen, the relevant documents must be left at the address in a sealed envelope addressed to the debtor.

 

 

I appreciate it's not law but it is the standard most of them agree they should be working to. The more people who help them achieve this by reminding them the better :)

 

 

Best wishes.

Rae.

Edited by RaeUK
Do read the National Standards - they're written clearly in the hope a bailiff can understand them...
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Will mention the last next time as the scraps of paper have never been sealed, maybe its because his used all his salava spewing brown stuff to the last unlucky honest person on his list..

 

Watch This Space :)

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In my opinion the bailiff is allowed to levy for his fees others may disagree so you will have to make your own mind

this statement of mine has been bugging me cant believe i wrote it must be needing a holiday (eggy12 please accept my apologies for my mistake )

 

the bailiff was entitled to his first visit fee but he cant levy goods against it as they can only levy against the amount of the liability order outstanding at the time of the levy

 

it wont make a difference to the outcome of this post as you owe the bailiff nothing thats why he has been on the phone to you asking if we can sort this out

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Not a prob HW.. We all have bad days ;) Bailiff's was yesterday pmsl

 

17th February 2010, 20:32 #3 (permalink)

hallowitch

Classic Account Holder

 

send him £24.50 1st visit fee tell him that under The council tax (administration and enforcement ) regulations 1992(amended )

regulation 45 charges connected with distress this is all you are legally entitled to pay

However if they want more fees to send you a screenshot of your account

after you have received this and depending on what it contains will depend on what further action you will take regarding the remainder of the fees they are trying to collect

you may have to pay a 2nd visit fee of £18

 

 

 

I listened to you .. Thanks for your help and have a beer/wine on me

 

Eggy12

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