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    • Hey people, I've been browsing this amazing forum for the past year and recieved a letter today which has made me require some help. Received a claim form from Cabot in the Civil National Business Centre in regards to an Aqua Credit Card taken out in 2018. I failed to make payments due to financial hardship and have not taken out any credit or uses any forms of credit since. Received a lot of letters from Cabot and their solicitors Mortimer Clarke which I've ignored    By an agreement between New Day Ltd RE Aqua& the Defendant on or around 26/03/2018 ('ths Agreement) New Day Ltd RE Aqua agreed to issue Defendant with a credit card. The Defendant failed to make the minimum payments due. The Agreement was terminated following the service of a default notice. The Agreement was assigned to the named Claimant. Cabot Credit Management Group Limited, acting as servicing agent of the named Claimant through its Appointed Representative (Cabot Financial (Europe) Limited), has arranged for these proceedings to be issued in the name of the Claimant. The named Claimant may be entitled to claim interest under the Agreement but does not seek such interest and instead claims interest under Section 69(1) of the County Courts Act 1984 at 8% p.a.from03/03/2023 until date of issue only, or alternatively such interest as the Court thinks fit THE NAMED CLAIMANT THEREFORE CLAIMS 1. 3800.82 2. INTEREST OF 379.84 3. Costs How would I go about this and what could happen? I don't remember much details about the card either.
    • cause like you said in post one, 99% of people think these are FINES (it now reads charge). and wet themselves and cough up. they are not, they are speculative invoices because the driver supposedly broke some imaginary contract by driving onto privately owned land which said owner may or may not have signed some 99% fake contract with a private parking co years ago, thats already expired or has not been renewed or annually paid to employ them dx  
    • My car DVLA details are 100% correct and up to date, guaranteed.  I lived at my address longer than I have owned the car and made sure the details were correct when we transferred ownership of the car, so it's not that.  It must be their second-hand eBay cameras.  I've emailed the CEO with evidence and laid it on.  I will keep this post updated with the outcome.  Thanks again FTMDave .  I appreciate the guidance. I hate these predatory parking cowboys.  How are they even legal?
    • there isn't one use that default dx  
    • upto you, if you have no assets like a home in the UK, there is absolutely nothing they can do even if they do get a judgement. i see you state last payment was 2021, so i will guess your notification to lloyds of a change of address was sent within the last 6yrs so they should have record of it on their system. why not give them a ring and ask what address they have for you? you could do AOS and defend the claim stating you are and have been resident in xyz since date, here is proof.  you could also send that to PRA demanding they discontinue the claim immediately. see what you can find out. you've till atleast the 19th (aos date) . dx      
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I defaulted on an arrangement to pay my council tax and owe just over £300 according to my receipts.

 

This morning I had a letter thrown in moy porch from the local bailiffs declaring notice of seizure of goods. Amount owing £390 + costs !!

 

1) How come the amount they are claiming is different from the councils amount?

 

2) If I go to the council and pay the correct outstanding bill then what happens to the bailiffs?

 

They have only called once and he is coming back next wednesday morning to see me.

In the poop without a scoop....

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HE can't do a walkin possesion if you Don't let him in thats what they hope for and that you DON'T know your rights.

 

Don't sign anything no matter what he tell you, why don't you read a couple of threads here that will tell you these people will say anything to get your money or you to sign

 

Don't do it

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If I pay the full outstanding council tax balance to the council will that stop them doing a walking possession which is what he is after?

It's not Scotland, they cant walk straight in, as advised, ignore the bailiff and just pay the Council

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no do let him come on Wednesday send them a letter on Monday after you paid the council (recorded delivery)

 

telling him the dept has now been paid direct to council and therefore there is no reason for them to visit you if you let them come on Wednesday they may try to charge you £18 for a second visit

 

don't send them the £24.50 let them send you a bill for it if your dept with the council is paid there is not a lot they can threaten you with apart from small claims court i think I'm not 100/% sure about that bit someone will come along and tell you different if I'm wrong but do send letter on Monday

any advice given is only my opinion and what i have leaned on here

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Yes your right Hallowitch

 

 

thanks for that Ive got to say the bailiffs have done me a favour i first got a p.c. about 6 years ago and to my shame i only used it for poker and e-mails

i can now cut copy paste use office and am learning enough on this site to help others

 

so if you read this Jacobs i would to thank you :)

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don't send them the £24.50 let them send you a bill for it if your dept with the council is paid there is not a lot they can threaten you with apart from small claims court i think I'm not 100/% sure about that bit

 

You are spot on - if the liability order is satisfied BEFORE a levy takes place then the bailiffs have no right to take any further enforcement action.

 

That reduces their charge to the status of an invoice for work done.

 

They then will have to sue you for that amount, and provide evidence to the small claims court that they complied with the law.

 

As tomtubby will hopefully confirm, to comply with the law the bailiff can only charge fees if they actually visit and attempt to speak with the debtor - they can't charge a letter fee, there's no provision for one in the regulations.

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You are spot on - if the liability order is satisfied BEFORE a levy takes place then the bailiffs have no right to take any further enforcement action.

 

That reduces their charge to the status of an invoice for work done.

 

They then will have to sue you for that amount, and provide evidence to the small claims court that they complied with the law.

 

As tomtubby will hopefully confirm, to comply with the law the bailiff can only charge fees if they actually visit and attempt to speak with the debtor - they can't charge a letter fee, there's no provision for one in the regulations.

Chris600UK - just checked out your response on this thread. And thank goodness I did! You've completely put my mind at rest. I got a letter on Monday (dated Friday of course), telling me I had unpaid fines. When I called to pay I was told there were three others. Clearly I've never received any letters concerning the rest. But having read all the complaints on the web (well a few!), I can see why.

I got another letter this morning telling me that because I haven't paid any fines (I have proof of payment through my online bank), that the bailiffs are coming. Now I know, that because everything has been paid, we can simply tell them to go away. I have to say all the posts on various websites were worrying me as I felt as if I'd just been targetted by some sort of conman.

I have also written to Equita and demanded details of the debt, and written to the council involved. With much disgust I might add. I know I shouldn't be surprised but how can councils employ these people!

 

Anyway, a thanks for the link has just turned in to a rant.

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  • 1 year later...

Hi all,

 

I was made redunant last October and as a result I ended up with problems paying my mortgage. This meant I had to use all available funds to try to stave off reposession. My house is now being transferred to a housing association under the mortgage rescue but I have a new problem / threat.

 

I received a letter from Equita bailiffs asking for payment of this years council tax £1078 as I have made only 1 payment this year due to the mortgage problem. I contacted the bailiff and asked to make an arrangement while I await the outcome of a council tax benefit claim. The bailiff flat refused any payment offer and as such has said he will return with a van to collect my belongings for sale at auction.

 

The bailiff has never entered my house and therefore I will be following the councils advice and not let them in if they call again.

 

Is it right that they can refuse to accept offers of payment? Also, what should I do about my car as I believe they can levy on your vehicle?

In the poop without a scoop....

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Hi Hedge

 

Don't let him in.

 

Under the Contract with the Courts Marston Group can accept payments over 6 months, so it should be the same with Equita.

 

Vulnerable person it forms part of the NATIONAL STANDARDS FOR ENFORCEMENT AGENTS may 2002

 

 

 

 

Those who might be potentially vulnerable include:

  • the elderly;
  • people with a disability;
  • the seriously ill;
  • the recently bereaved;
  • single parent families;
  • pregnant women;
  • unemployed people; and,
  • those who have obvious difficulty in understanding, speaking or reading English

http://www.hmcourts-service.gov.uk/infoabout/enforcement/bailiffs/standards.htm#part10

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I think this is Equita who is collecting council tax. Marstons rarely bid for council tax recovery work, they are big on traffic and court fines because this type of work is known in the profession to be more lucrative than chasing unpaid council tax bills.

 

If a debtor doesnt have enough money to pay all the liability then the bailiff has little choice but to accept an affordabel repayment plan. Council tax bailiffs can levy on cars but its not a commonality, its unpaid parking and motiring fines that gets the car lifted by bailiffs. Anyway, make your car and house safe until this matter is resolved.

Professional property investor and conveyancer

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Thanks for the advice.

 

I have spoken to the council recoveries sectiion who said they could not take the debt back and that I should contact Equita to make an arrangement who refused point blank to make any arrangement.

 

I guess I am now resigned to bolting down the hatches and just making payments direct to the council?

In the poop without a scoop....

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Ask to speak to the manager of the benefits and revenues department at your council, it is quite possible you spoke to some back office numpty who works for capita, who works in conjunction with Equita.

Failing that get in touch with your local councillor

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The bailiffs have shoved a notice through my door again this morning stating -:

 

"I will re-attend at your address with immediate effect and may REMOVE goods even in your absence. Should you wish to avoid this distressing course of action, contact me immediately on the telephone number below" .....etc....

 

I decided to give him a call to explain that the CAB are dealing with the issue but he was adamant that because he was acting on behalf of the courts he would be coming back.

 

What do I do now. Do I still just sit tight and ignore his knock at the door? Why has he worded the letter to say that he may remove goods in my absence? He cant break in can he, without a walking posesion etc?

In the poop without a scoop....

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The bailiffs have shoved a notice through my door again this morning stating -:

 

"I will re-attend at your address with immediate effect and may REMOVE goods even in your absence. Should you wish to avoid this distressing course of action, contact me immediately on the telephone number below" .....etc....

 

I decided to give him a call to explain that the CAB are dealing with the issue but he was adamant that because he was acting on behalf of the courts he would be coming back.

 

What do I do now. Do I still just sit tight and ignore his knock at the door? Why has he worded the letter to say that he may remove goods in my absence? He cant break in can he, without a walking posesion etc?

 

You have already proved the letter has had the desired effect and that is what it is meant to do. The Bailiff will cheat, lie, cajole bully etc in order to get you to dance to his tune. It is all hot air. Having said that it is true he may be able to force entry to your home BUT only when he has been back to Court with the Creditors permission AND the Magistrates grant him an Order to do so. He then has to give you a date and time he is coming and it is only IF you then deny him can he force entry - this is something very rarely granted and only in extreme cases of wilful refusal to pay.

 

As long as you deny him entry to your home and keep any effects outside secure - if you have a car then move it well away from your door, at least 10 minutes walk. Eventually he will give up and return the case to the Council but that may take 2 or 3 months.

 

In the meantime you must make some payment to the Council either online or via phone. This proves you are willing to pay but must be done at regular interval with a regular payment - £5/£10 per week for example.

 

PT

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