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    • I have read through a number of similar threads, but one thing i'm not sure how to proceed about is that I live abroad in the middle east and have done for several years. The claim letter was sent to my parents address and I really don't want them to be harassed about this. I am sure I sent the original creditor a registered letter with my change of address but can't find this currently. I am not in a position to pay this, and tend to come back to the UK to see family at most once a year (less since Covid), so not particular bothered about my financial score...more concerned about harassment of my parents. I have not registered on the gov gateway or anything like that.  Details below (as best as i can), and thank you for taking the time to look into it. Also redacted claim form attached: Which Court have you received the claim from ? Civil National Business Centre (Northampton) If possible please scan redact and upload a full page copy of page 1 of the claim form. (not the response page or AOS) Name of the Claimant ? PRA Group (UK) Limited   How many defendant's  joint or self ? Self   Date of issue – top right hand corner of the claim form – this in order to establish the time line you need to adhere to. 23/5/24   ^^^^^ NOTE : WHEN CALCULATING THE TIMELINE - PLEASE REMEMBER THAT THE DATE ON THE CLAIMFORM IS ONE IN THE COUNT [example: Issue date 01.03.2014 + 19 days (5 days for service + 14 days to acknowledge) = 19.03.2014 + 14 days to submit defence = 02.04.2014] = 33 days in total   Date of issue XX + 19 days ( 5 day for service + 14 days to acknowledge) = XX + 14 days to submit defence = XX (33 days in total)  if your defence filing date falls on a W/End, you must file by friday @4PM Tues, 11/6/24 (19 days)  Thurs, 25/6/24 (33 days)   Particulars of Claim   What is the claim for – the reason they have issued the claim?  The Claimant claims the sum of £7926 for an outstanding debt owed. On 20/4/18 the Defendent entered into an agreement with Lloyds Bank for a Credit Card under reference [16 numbers]. On 10/5/22 the Defendant defaulted on the agreement with an outstanding balance of £7296. On 28/11/23 the debt of £7296 was assigned to PRA Group (UK) Limited, who itself assigned the debt to PRA Group UK Portfolios Ltd on 30/12/23. Notices of assignment were sent to the Defendant in accordance with S136 Law of Property Act 1925. The Claimant has instructed PRA Group (UK) to act on its behalf and the CLAIMANT CLAIMS 1. The sum of £7925   What is the total value of the claim? £8481 Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? No   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? Yes   Did you inform the claimant of your change of address? I believe I sent a letter by registered mail of a change in address to abroad in 2021. Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Credit card   When did you enter into the original agreement before or after April 2007 ? After   Do you recall how you entered into the agreement...On line /In branch/By post ? Online   Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? Yes   Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Debt purchaser   Were you aware the account had been assigned – did you receive a Notice of Assignment? Not personally - probably sent to my parents   Did you receive a Default Notice from the original creditor? Not personally - probably sent to my parents   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? Not personally - probably sent to my parents Why did you cease payments? Unable to afford, living abroad   What was the date of your last payment? Unsure (probably 2021)   Was there a dispute with the original creditor that remains unresolved? No   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No     Claim form 23-5-24.pdf
    • While we wait for someone to explain how farage is any better than sunak  .. if not worse   One of many likely upcoming belly laughs   Reform chairman Richard Tice has accused the Tories of (reform like) “dirty tricks” after one of his party’s candidates withdrew his papers to stand at the last minute and endorsed former cabinet minister Sir Gavin Williamson. In a dramatic final 24 hours before nominations closed there had been fevered speculation that as many as six Tory MPs and other candidates could defect to Reform after Nigel Farage decided to stand in Clacton and become leader. But instead no Tories switched and Tom Wellings, the Reform candidate for the new seat of Stone, Great Wryly and Penkridge in Staffordshire, quit and put out a statement endorsing Sir Gavin.   Who does he think he is an Anderson, a Carswell !!! was heard at the reform HQ pub ... as Candidate brushed aside by Farage in clacton to run as an independent    Tice accuses Tories of ‘dirty tricks’ to persuade Reform candidates to stand down WWW.INDEPENDENT.CO.UK Exclusive: A furious row has broken out after a Reform candidate’s last minute defection to the Tories   :ROFL  
    • See what you think of the attached. I have to do some proofreading of an English grammar book for an Italian publisher this weekend - for money! - so I'm afraid corrections and suggestions will come in dribs & drabs.  I've totally knackered the layout, the numbering and the order of your Exhibits but there will be several versions done so don't worry about that ATM. Your arguments are superb. What is less superb is the way you jump from one to the other and back again, so I haven't changed your words, but I have moved the paragraphs around and given each section a heading. New bits are shown in red. Crossed out crossed out in black is something you've quoted from the government Code of Practice, but that has since been withdrawn so unfortunately that argument has to go. Your paras 7 & 8 don't harm your case but to me are waffle and can go.  Keeping the arguments clear & concise will always impress a judge. IMPORTANT - did you ever send Simple Simon a CPR request?   Defendant's WS - version 2.pdf
    • Björn Ulvaeus appeared on stage in East Yorkshire at a conference held at the Bridlington Spa.View the full article
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Police let bailiff into my property ***WON - bailiffs certificate removed ***


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good you've got that sorted

it really depends on the council

with some your keep the same CTAX A/C number

with others it changes year on year.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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I would check out if your council has a web site, then you can pay it via their electronic link.

I would then write to them telling them what you have done and will be carrying on this way, as you have to enter an e-mail address, you get an instant receipt, but in my letter I'd say that as this is dragging on and you are making it priority. I'd send this via signed for mail and keep a copy for yourself.

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i will check it against my bill for this year and see if the number is diffrent all i can do is try and i intend not to pay the bailiffs a penny i am not paying there charges

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you could alway go into the council (coz its across form the school)with a letter stating payment of £xxxx made on date by on-line payment is to be allocated to 2004 liability

do this every time you make a payment and get a recipt for the letter

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who told you that...

its the council problem then.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Hiya guys n girls ive had a letter this morning from my mp its a reply letter she got from the council

 

 

 

Miss ******* has already contacted the council in respect of this matter and I have investigated her allegations with regard to the actions by the bailiff. A reply was emailed to her on 28th June 2019. A copy of my letter is attached as is a letter posted yesterday detailing a breakdown of her council tax account (TO WHICH I GOT)

 

A council tax debt £331.81 was passed to Rossendale’s on the 28th January 2010 since that date £30.00 has been received by the council and we have advised the bailiff of this. I have spoken to there head office this morning and they confirm that £248.50 has been incurred in costs as a result of bailiff actions. I understand that miss ********* has contacted Rossendale’s and is in the process of clarifying when and why costs have been incurred and the validity of these actions. (If they say here charges they added are 248.50 and my council tax bill is only 303.81 why was she demanding 672.99?)

 

Prior to the account been passed to the bailiff £40.00 costs where incurred for both summons notice and liability order the costs incurred as a result of the bailiff can be broken as follows :

 

1st visit £24.50 (Understand)

2nd visit £18.00(understand)

Van attendance fee £110.00 (she was driving the van around anyways and to another property the same day it was her means of transport she also took nothing)

Levy fee £35 (invalid levy was made)

Allpay payment fees £1.00 (50p per transaction) (- not a clue what that is ment to be)

Waiting Fee £60.00 (nobody asked her to wait anywhere)

 

Rossendale’s will be able to provide further details in respect of these charges. The balance that the bailiff was attempting to collect on 21st June was £456.31 I have confirmed this with Rossendale’s this morning. (I don’t understand most of this but she was in my face demanding £336.31 on the date stated so that’s totally different to what they are telling the council)

 

I am not awear as to why Miss ********* feels that only £42.50 per week should be collected. Arrangements have previously been agreed but none of them are for this amount. Unfortunately these arrangements have not been adhered to ( in my letters nothing states paying 42.50 a week however it does state that the only lawful charges I owe to the bailiff is 42,50 for what they did legally )

 

Bailiff collection is currently being held as detailed in my letter to allow full payment to be made in full

 

I trust this clarifies matters

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1st visit £24.50 (Understand) - OK

2nd visit £18.00(understand) - OK

Van attendance fee £110.00 (she was driving the van around anyways and to another property the same day it was her means of transport she also took nothing) - Attendance to Remove Fee can only be charged if they have a valid levy

Levy fee £35 (invalid levy was made)

Allpay payment fees £1.00 (50p per transaction) (- not a clue what that is ment to be) - it's a fee for paying by either payment card or bar coded bill at the Post Office

Waiting Fee £60.00 (nobody asked her to wait anywhere) - if this is being charged you must ask where in the Regulations it states they are allowed to charge this - it is not allowed.

 

 

PT

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Great thanx do i send this in a letter to both the mp again and the council ?

 

I wouldn't bother with the Council but would use my local Councillor to prove how inept their employees are. By all means write back to your MP pointing out the Councils failures.

 

PT

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Sorry I disagree, copy to the council,If you don't keep them in the loop they'll use this against you as a delaying tactic.

I would also play on words here, inform the MP that it is you that has tried to resolve this matter, and the council have sat back.

I don't believe that the councils are allowed to decide, with the bailiff company, how much they charge. But it appears my council does.

Now with regard to the van fees, there is a bit you can do.......... the law says "reasonable" costs, you can challenge this fee, but it will be one heck of a headache, I once spoke to the national debt line about this and they basically said, that if i can prove it would be cheaper to hire a van + petrol then that can be used to challenge their van fees. Don't forget the chances are you wasn't the only one she would have visitied that day, so if she had done 3 then she would have charge £ 330, it wouldn't have cost that much to hire a van + petrol ( remember at this point you have NO WAY of proving she visited anyone else) It just gives them a hard time and gives you a buzz knowing they are having a "bad day" :)

Cas

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it would not take much proving she made a visit to one other person up the road from me the same afternoon as the woman she made the visit to posted n here as the bailiff refers to me and been at my home to this other person as a scare tactic

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Sorry Vicki

I left my one brain cell in bed this morning, are you saying that on the same day she called on you she called on a neighbour and levied?

Did she leave any paper work for your neighbour?

For months I have been saying people in local areas should get together and take on the bailiff companies en masse, I believe the Judges would then sit up and listen.

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Hi Vicki

 

it would not take much proving she made a visit to one other person up the road from me the same afternoon as the woman she made the visit to posted n here as the bailiff refers to me and been at my home to this other person as a scare tactic

 

Can't you report her for discussing your case with another person because they only need to swear an affidavit. Gross misconduct giving out information on other people.

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it was the next estate up she visited she did not say my name but referd to been at a house up the road all day and she had sat outside of my house untill after in afternoon so who else could it of been

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Morning all i have replied back to my mp pointing out about the way the bailiff company have told the council a lot different to the information i have and i have also pointed out the costs and what they are not allowed to charge i have also asked in the letter would it be possible for her to request the council takes the debt back fingers crossed i can get somewhere still waiting on reply from the commissions house tho

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Dear Miss ********,

 

Council Tax:- ** **** *******

 

 

I have received your request for information held by this department relating to your Council Tax account for the period 14 April 2009 to 2 July 2009. Unfortunately the Data Protection Officer responsible for Revenues and Benefits is on leave until Monday 19 July 2010. I will speak to him on Monday with regard to this matter and your request will then be processed.

 

Yours sincerely

 

Just recived that by email from the council dont really have time to wait till monday they are expecting payment in full by end of this month grrrr

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Dear Miss ********,

 

Council Tax:- ** **** *******

 

 

I have received your request for information held by this department relating to your Council Tax account for the period 14 April 2009 to 2 July 2009. Unfortunately the Data Protection Officer responsible for Revenues and Benefits is on leave until Monday 19 July 2010. I will speak to him on Monday with regard to this matter and your request will then be processed.

 

Yours sincerely

 

Just recived that by email from the council dont really have time to wait till monday they are expecting payment in full by end of this month grrrr

 

 

Hasn't this progressed to a criminal complaint against the bailiff in question? If that's still in progress, I'd be complaining to the council that there is an outstanding criminal complaint against them (the bailiff is working for them, after all).

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