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    • The Petrol Station is Shell Garage Wickham (Hampshire ) Another person obviously had the same issue as they had called the garage previously-
    • Thanks Dave, that all sounds clear to me. In terms of avoiding PCNs, I'm not sure if I can. I need to be able to park in that spot, especially as I've got kids to lug forth and back for the school run. Likewise it's not always possible to use the MA's permit system either, as I've not always got them to hand. So, if I'm actively avoiding PCNs, then it could mean I've given in to their idiotic rules. But, I do get what you're saying, as I imagine the risks go up if they claim there are multiple PCNs to be paid at court. Not sure what to do with this one.
    • Is it possible you could qualify for a DRO (Debt Relief Order) and ditch the IVA ? https://debtcamel.co.uk/end-iva-change-to-dro/  
    • My IVA which I began in 2021 has for around a year now been passed to credit expert - I find this company and it's staff obnoxious and insensitive money grabbing monsters.  What is my legal right can I have my IVA moved to another ip what happens if Hanover sell my file?  I am ina real bad situation where my kids are unwell and this crest expert supervisor is saying I should try more than what I agreed despite my situation being very bad and kids unwell.   I feel like they are bullying me and I duh I where to turn.  I keep getting emails saying we at credit expert are in charge of your iva now but still I got messages about my review annual from Hanover which I sent documents and now I got a response from credit expert saying they think I agreed to pay more - how ludicrous is that how can I keep these bullies at bay.   Who can I complain too without messing up my IVA.  I'm going to post below what they sent me please someone help me as they are making me suicidal now. These evil people g coincidently all Indians with weak English which is another issue as communication feels like a battle each time.    Good afternoon,   We hope you are keeping well.   In accordance with the terms of your voluntary arrangement you a required to comply with the following modification:   The debtor must seek to either obtain full time employment or improve self employed income to equivalent thereof as soon as possible and a full review of the debtor’s income and expenditure must be undertaken by the supervisor. The contributions shall increase after taking into account any increased costs in respect of travel and should commence in the month following the review. If any instances of co-habitation with the debtor by any person aged 18 or over occur during the term of this arrangement and where there is reasonable expectation that board and lodging should be paid, the contribution will be added into this arrangement in full. The debtor agrees to provide an income and expenditure review in the month following any loss of child related income. Any surplus identified is to be made available immediately for the benefit of unsecured creditors in the arrangement.    In order to ensure that the terms of the voluntary arrangement are adhered to, I require you to provide evidence that you complies with the above modification along with any supporting evidence.   Alternatively, if you believe you are no longer able to comply with the modification please do inform us.   I eagerly await your response to the points raised within 14 days of the date of this email.   If you have any further queries, please contact Customer Service on ‪0800 0431 431‬ or by email at [email protected].   Thank you for your comprehension.   Plese guys advice me what I can reply as I don't have any more money for these thieves and their annual review is an annual monster nightmare how can I tell them I'm not willing to be bullied and can't paid more    تھا ks   
    • Thank you. I will send letter off to Trade Centre UK today and if I don't get anywhere then I'll contact the credit company.
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    • Hello,

      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.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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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.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
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      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Jacobs are chasing us for council tax arrears, there are 2 bills outstanding. I have read a number of your threads and understand that we must not let them gain entry into the house. After they left the first letter I phoned the bailiff to make an arrangement which he agreed to but said he needed to come to the house for me to sign papers. I made it clear to him that I would not sign anything and he would not be entering my house, he then refused to make the arrangement.

I wrote a letter to his firm of bailiffs who replied they could not deal with me as I had to speak to the bailiff who attended my home. The council do not want to know although I have continued to pay the amount offered to the council by online payments.

This morning when leaving for work there was another notice left in the porch, the bailiff had levied on my husbands van the notice says he attended at 7.30am.He did not knock on the door or try to speak to us.

I understand that he cannot levy on the van because it is used for my husbands work, I phoned Jacobs who agreed that he cannot levy on the van, I asked if they wouyld tell their bailiff this but was told he already knows?? My worry is that he has given us 5 days to pay,which we cannot do, the debt or he will take van. As bailiffs have history of doing all the things they are not supposed to I am really worried.

Any advice please?

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I too have just had a letter from the lovely Jacobs. At the bottom it stipulates that any arrangement to pay in installments is made subject to a bailiff calling to my property and completing paperwork (which incurs a fee). The relevant paperwork involving pricing up my possessions. Can they do this? Do I have to let them in to make an installment plan and why do I have to pay for the pleasure of setting up a plan to pay them.

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I took advice from NationalDebtline and was told NO you don't have to let them in and indeed you shouldn't. Apparently this is a new tactic of Jacobs. I'm sure somebody who knows a lot more about this will be along shortly to answer both our queries.

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I too have just had a letter from the lovely Jacobs. At the bottom it stipulates that any arrangement to pay in installments is made subject to a bailiff calling to my property and completing paperwork (which incurs a fee). The relevant paperwork involving pricing up my possessions. Can they do this? Do I have to let them in to make an installment plan and why do I have to pay for the pleasure of setting up a plan to pay them.

 

Hi Welcome to our world, if you start a new thread you will get a better targetted response, here's the link

 

http://www.consumeractiongroup.co.uk/forum/newthread.php?do=newthread&f=168

 

PT

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With more and more people becoming "streetwise" to how to handle bailiffs (thanks to CAG and other groups) the easiest target is the a vehicle.

For the nvehicle to have been levied you should have been given a Notice of Seizure of Goods and also an inventory of the goods seized.

Check the inventory very carefully against the vehicle. - In my case they got the colour, registrationn AND the tax disc serial number wrong, making it invalid and illegal.

Is the van sign written? Apart from bailiffs having goldfish memories and selective hearing their eyesight is not too good either.

In the meantime pay the CT online regardless and ignore the bailiff totally.

OK own up, who swapped the A and I on my keyboard ? :D

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DEALING WITH BAILIFFS ON YOUR DOORSTEP

1. ALWAYS! Keep your door LOCKED SHUT at all times. NEVER open the door to a bailiff - speak to him through a window or the letterbox

2. ALWAYS! Hide your car - in the garage or park it well away

3. ALWAYS! Take photographs of the bailiff and his vehicle, even better use a camcorder and video-record EVERYTHING

4. ALWAYS! Speak as LITTLE AS POSSIBLE and let the bailiff do the talking

5. ALWAYS! Ask for his bailiff's certificate number

6. ALWAYS! Ask which court issued his certificate

7. ALWAYS! Ask for a full breakdown of his fees IN WRITING

8. ALWAYS! Ask who the creditor is (if you don't know)

9. ALWAYS! Pay using a credit card, avoid cash and debit cards if possible

10. ALWAYS! If you have grounds, get an appeal lodged immediately (parking tickets) - it stops enforcement

 

1. NEVER! Sign any documents handed to you by a bailiff

2. NEVER! Phone a bailiff (unless asking him which Court issued his certificate)

3. NEVER! Admit any debt

4. NEVER! Say or "confirm" your name address or date of birth

 

this is very good advice originally posted by Happy Contrails

 

There is no law that staes you have to speak to or deal with a Bailiff. They are invariably liars, cheats & bullies and will try their best to intimidate you. They will threaten all sorts - prison, locksmiths, police etc. It's all a load of bull. He doesn't need to use the phone, water for tablets or any other myriad of excuses he thinks up. There is of course an old 2 word Anglo Saxon word that he can be told to do. If you owe Council Tax, check with the Council how much etc - they'll refuse to take it back but you can always pay them direct online - mind you may have to budget in some Bailiff fees you incur and as long as you deny him the chance to levy/seize your goods then this will be capped at £42-50, no matter how many times he calls. If your car is outside move it NOW to a good 10 minute walk away - if it's still on finance you could argue any levy made by providing proof of finance.

 

If he gains entry he will make a list of your possessions, there are some he can't seize but some of these numpties are so thick they list them anyway, then cry when they realise they've cocked it all up.

 

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Well bailiff called today, I would not let him in so he would not make arrangement, he admitted he could not take van but said he wasn't really interested in it as he a had charged walking possession fee anyway?? He said next step would be enforcement bailiff who would remove my possessions. I am going to continue to pay as much as I can. Any comments please.

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He cant charge a walking possession fee if he has not made a levy on your goods. Also no enforcement can be made on your goods without a levy plus they have to get in first and cannot do that unless they gain peaceful entry. I dont suppose you are going to let that happen now are you ;) Pay what you can to the council via their online payment facility, email them and explain that this is what you are preparing to do until they take back the debt from the bailiffs.

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