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    • You will be subject to the same laws notice periods and protections as with any length of contract.    From my own and other’s personal experience I would treat it as an amber warning light to start putting out feelers into what’s out there on the market   A 6 month contract is great for people who might be waiting for a new build , or having renovations done on their own property. For someone like yourself who wants security it might well be time for you to consider moving on.
    • Thank you. You still haven't given as much information. We need more. Please will you tell us who the retailer is – are they in UK or elsewhere? What was the item and what is its value? Did you declare the correct value? Or did the retailer declare the correct value? You say you paid by credit card – not a debit card against your bank account? Please read around all the Hermes threads on this forum. There is lots of good information there. In particular understand your rights under the Contracts (Rights of Third Parties) Act 1999.
    • I am sorry, but without seeing the contract, and knowing what is on it or what effect it has, it is impossible to say.     
    • A16 BYN is the plates that the car was advertised with, and obviously the plate which I checked the mot history with, I also thought the same that the website maybe hadn't been updated with the most recent mot that the dealer had got done, I asked for the original plate number whilst doing the logging in to my bank account, to pay both the dealer and the shiply transporter. Bearing in mind I had told the dealer around 6pm that I would get the deposit sorted out when I put my son to bed, that gave him every opportunity to send me any pre contract details etc. Just over an hour later (son still wasn't in bed) asked for the address of where the vehicle was to be picked up from as I couldn't accept the quote for the transporter without that information. Less than an hour after that he whatsapped me asking if I still want to buy the car because he's getting enquiries from other interested parties and is telling them that he's sold the car to me (no deposit  paid as yet). I then replied a few min later having finally got my son to sleep.    Anyway between me sorting out the details and where to pick the car up from, log into my banking to pay deposits etc he'd  messaged me the original plate no... which I didn't see until after I'd done all the aformentioned.    I decided to check the history on that plate as like yourself I had been confused about the mileage, low and behold there was the most recent mot containing 5 advisories which were never mentioned to me. Another thing I can't really understand is the expiry date of the mot before that either and I did query all of this with the dealer, only to be told that cars in Scotland are renowned for corrosion issues...and that if I had checked the mot history I would have seen them, I explained I had checked the history on the plate in the advert as I had no knowledge of what the original plate numbers were and he told me that the most recent mot was under the plate in the advert. Most certainly the mot certificate he then sent me on whatsapp had the advertised plate on the certificate,  however, it wasn't showing up on the dvla page.    By this stage I was irate with him for several reasons, for not notifying me of the advisories and telling me that he had checked the dvla and the most recent mot was showing up on the advertised plates, I then screenshot the page with the expiry and this car is not mot'd information, and 2 for telling me that cars in Scotland are renowned for corrosion issues!    Had he simply said, the car is 18 years old you're going to expect to have some corrosion at some point, I'd have been a bit more tolerant at that stage. Apon checking the history on the original plates, it transpired it passed the last MOT previous to the most recent one on the same day the advertised plates ran out, I still haven't quite fathomed out what is going on regards to this. However the previous mot showed no corrosion issues and as it hadn't failed on that basis, I would get the panel beater sprayer mentioned in an earlier post to have a look at it, and sort the issues out re that, also the main reason I had the car delivered to my dad's address as that's also the area where the panel beaters business is.  
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    • I’m in desperate need of help
       
      I bought some clothes online in may through Evans and paid through PayPal
      returned them all seven days later
       
      I waited the 14days for my refund and no refund came
      I put in a dispute through PayPal but I didn’t get any emails to escalate the case - PayPal closed it. 
      evans said they couldn’t refund the money because PayPal have cancelled the refund because of the open dispute
       
      I contacted PayPal
      they said the dispute had been closed but Evans at no point had attempted a refund.
      fast forward to today
       
      I’ve got copies of numerous messages sent to and from twitter messages as it’s the only way I can contact them
      I’ve also contacted their customer service too
      all I get is PayPal have cancelled refund because dispute is still open.
       
      I have proved that the dispute is closed
      I have got an email saying that if Evans sent the refund they would accept it
      but up until the date I got the email they have not once attempted a refund .
       
       I have sent them a letter before court email
      I have even offered to have the full refund as a gift card just to get this sorted !
       
      I’m literally at the end of my tether and don’t know where to turn next !
       
      i suffer with mental health issues and this is affecting my health and I’d saved the money for a year to buy these clothes as I’m on a low income .

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Please help about 3 days ago I received a letter through the door from Rossendales with a magistrates liability order/distress warrant for unpaid council tax. I then received one 2 days later (hadn't had a chance to contact anyone) saying final notice and it says I must now give you 24 hours statutory notice of my intentions to recall and remove your effects. I panicked completely and my partner then phoned the company asking what it was all about. I was in such a state I couldn't phone. I then read some of the post on this site and decided to just contact the council regarding the debt. They said I did indeed owe some money but they could not deal with the debt and I had to contact the bailiff. He has phoned twice to my partner today saying I have to speak to him and pay the money owed. I don't want to deal with him but the council said I have to and they won't deal with the debt. What do I do?? and yes i'm panicking can't think of anything else all day however reading some of the posts on here have calmed me slightly. I have no intention of letting them in the door however. Should I just keep on ignoring them.

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Hi there,

 

First things first, please ensure that your property is secure with doors and windows locked. Hide any vehicles around the corner. Do not let the bailiff into your property, they cannot break in unless they have been in before.

 

Please read this fact-sheet:

 

National Debtline England & Wales | Debt Advice | Factsheet 02 Bailiffs And Council Tax

 

Then take time to familiarise yourself with our forum, we're here to help!

 

Best wishes,

 

Seq.

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Could you give us a bit more info please?

 

How much do they say you owe?

 

What fees has the bailiff put on the letters?

 

What is your personal situation? Work/benefits children etc? (not being nosey, but in certain cases the debt can be sent back to the council that it is owed to).

:razz:ALWAYS REMEMBER, IF YOU GOT YOURSELF INTO YOUR SITUATION, YOU ARE MORE THAN CAPABLE OF GETTING YOURSELF OUT OF IT

WITHOUT THE HELP OF THE DCA's!!!!!!!!!!!

 

IF YOU NEED HELP WITH UPLOADING YOUR IMAGES THROUGH PHOTOBUCKET CLICK HERE

IF I HAVE HELPED YOU OR MADE YOU SMILE, PLEASE FEEL FREE TO CLICK MY STAR

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I contacted the council and they have agreed to take the debt back except now without even checking how much I earn or payout every month they have said they have done an attachment of earnings order which i just know is going to be more than i can pay and i;m going to end up in a mess with other bills..is there no rules or regulations surrouning this

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I contacted the council and they have agreed to take the debt back except now without even checking how much I earn or payout every month they have said they have done an attachment of earnings order which i just know is going to be more than i can pay and i;m going to end up in a mess with other bills..is there no rules or regulations surrouning this

 

Yes, there is. How much do you take home after tax and deductions?

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Before they do an attachment of earnings they usually send out a means form of your income and outgoings. They the calculate what you can afford to pay.

Have you requested on of these from the council.

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Before they do an attachment of earnings they usually send out a means form of your income and outgoings. They the calculate what you can afford to pay.

Have you requested on of these from the council.

 

The collection of council tax is held under Regulation 38 of The Council Tax (Administration and Enforcement) Regs 1992. The order will collect a percentage of the total earnings and wouldn't consider an individuals regular outgoings. This is different to the process used for county court judgments. Having said this, a LA does have the power to vary the amount of the deduction although this power is hardly ever used, so much so that many authorities do not even no it exists! It is also possible under Regulation 41(2) to request that an authority discharge the order alltogether, this is very seldom used - really only in severe hardship cases.

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The collection of council tax is held under Regulation 38 of The Council Tax (Administration and Enforcement) Regs 1992. The order will collect a percentage of the total earnings and wouldn't consider an individuals regular outgoings. This is different to the process used for county court judgments. Having said this, a LA does have the power to vary the amount of the deduction although this power is hardly ever used, so much so that many authorities do not even no it exists! It is also possible under Regulation 41(2) to request that an authority discharge the order alltogether, this is very seldom used - really only in severe hardship cases.

you are absolutely correct in this, and I should of said that they only take essential outgoings into considerations, I can only speak from experience with regards to my council in saying that, and they will only take into account such outgoings as mortgage/rent, CT. Utility bills etc, sometimes they will consider other debts. I suppose each council is different.

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I suppose each council is different.

 

That is very true.

 

In the cases I've had the Local Authorities use the following table to caculate the deductions:

 

For those earning up to £220 per month - No deduction

Exceeding £220 but not exceeding £400 - 3% per month

Exceeding £400 but not exceeding £540 - 5% per month

Exceeding £540 but not exceeding £660 - 7% per month

Exceeding £660 but not exceeding £1040 - 12% per month

Exceeding £1040 but not exceeding £1480 - 17% per month

Exceeding £1480 - 17% for the first £1480 and then 50% thereafter (how harsh is that?!)

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