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    • thread title updated moved to overseas debt forum. sadly as they are outside any UK jurisdiction upon DCA rules which state in the UK they must not call employers, there not alot you can do to stop these scammers. make sure you totally make private ALL social media twitter/facebook/linked in etc etc as there no-way for them to findout where you work otherwise so you must have a leak somewhere. find it. your employer details arent even legally available to UK DCA's so how have they found it out to date???  simply write to the BANK informing them of your correct and current address ALWAYS!!. if you want to arrange payment or not TO THE BANK ONLY thats upto you. never ever ignore a Statutory Demand a Letter Of Claim a Court Claimform. if if if any of those ever happen. till then ignore and rewash. dx    
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    • Hello All,  I’m hoping someone can help me urgently here. Firstly, I’d like to say I have read multiple other threads and have some what an idea of what I should be doing, however my case might be slightly different so coming with my own questions here.    my situation is I lived in Dubai and had a credit card and a loan, loan with HSBC and credit card with Emirates (or the other way round), I lost my job and was forced to leave the country as I was staying in the country on my companies visa.    since coming back, after a few years 2 different debt collections agencies have been approaching me (one being IDRW and the other J&P). I’ve never answered IDRWW and they constantly chase me by calling and messaging me and my employer. My current company is ok with this as I explained the situation but I’m soon to be joining a new company who definitely won’t be ok with being messaged and called. I’m afraid to continue to ignore them as they may message and calm the new employer as they have before and I’ll lose my job. However, it seems clear from these forums that dealing with the debt collection agencies is never a good idea. You shouldn’t agree to the amount or pay anything.    j&p caught me on my phone but I still haven't sent them any money or confirmed the amount they’re saying is owed, they keep pushing to pay off the “principal” amount by making monthly payments, from reading these forums it seems like if I make one of those payments (they have provided bank details for ENBD), then it’ll just be paying off interest and not actually clearing the principle debt and the bank won’t even approve receipt of payment or that it’s coming off principle.    this is my predicament as ignoring them might not be an option if they chase my new employer. Maybe there’s a way to ensure the debt collection agency don’t contact my new employer?? I don’t know? Massively appreciate peoples help here. Thanks, 
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This is a follow on from "the bailiffs have broken into my back garden". sorry its such a long thread....

 

my depression has got so bad now, mostly because of this, that I'm now seeing a psychotherapist - so I can at least talk to someone - she phoned a lawyer and he said that Councils can often "negotiate" how much they will accept to return to my car (apparently, a bit like the "poll tax" - i wasn't very aware when that mallarky was going on ) -

 

It is quite clear from my correspondence with Waverley that he simply WILL NOT address the issue of costs - every time I ask him about costs he continues to FAIL to address the EXACT amount. This is evident in 2 letters he has written to me ... he simply says "... and bailiffs costs ...". he knows that the costs are disproportionate to the amount owed but he just detracts from answering the question. He keeps going on about me applying to the court for the costs to be taxed. He simply fails to "get a grip" on the fact that Waverley have instructed the bailiffs and the bailiffs are acting as agents for Waverley so, ultimately, it surely must be Waverley who decides what costs can be adminsitered.?????

 

Currently, as per my psycho, I asked Waverley what was the minimum amount they required and they simply said get in touch with the bailiffs b....... well, I attach all the emails going to and fro....

 

My question is, shall I apply t the court for a summons as previously suggested so I can show how the bailiffs have acted uneasonably (incidentally, my landlord has noticed the back gate has a huge chunk missing...... I obviously pleaded ignorance...and the neighbours have informed her that "dodgy" people have been round..... I've now been served notice to quit etc.,etc.,) or what on earth shall I do?

 

.ExternalClass .ecxhmmessage P{padding:0px;}.ExternalC lass body.ecxhmmessage{font-size:10pt;font-family:Tahoma;}

Alexander's bailiffs

 

please see copy correspondence.

 

How much do you "legally" require to return my car - my children are not at school, I am not at work nor am I at college and I would pleased if we could resolve this matter so my family can return to normal.

 

 

To:

Subject: RE: Council tax account: 12449105

From: [email protected]. uk

Date: Mon, 7 Feb 2011 16:01:57 +0000

 

Dear

 

Thanks for your e-mail.

 

I suggest you contact Alexander's for the exact amount required as Waverley does not necessarily know all of the charges that are being accrued. I suggest you contact the bailiff's office on [email protected] o.uk or telephone 0208 661 2515 between 10.00 am and 4.00 pm.

 

Yours sincerely

 

Simon Piper

Principal Revenues Officer

 

Direct line: 01483 523104

 

 

 

From: r

To:

Date: 07/02/2011 15:18

Subject: RE: Council tax account: 12449105

 

 

 

Dear Mr Piper

 

Can you please tell me what is the minimum amount you require to return my car.

 

Thank you

R

 

To:

Subject: RE: Council tax account: 12449105

From: [email protected]. uk

Date: Fri, 4 Feb 2011 14:42:31 +0000

Dear

Thank you for your e-mails dated 2 February.

As you are aware, your payment of £251.69 has been credited to the enforcement's fees in accordance with regulation 52(4) of The Council Tax (Administration and Enforcement) Regulations 1992.

The liability order granted to the Council on 22 July 2010 is in the sum of £354.69. The bailiff has been instructed to enforce payment of the unpaid liability order and the enforcement charges, hence the removal of your motor car and its impending sale at auctionlink3.gif unless the outstanding debt is paid in full.

Schedule 5 of the regulations does not comment on the total level of fees that may be incurred by a debtor when a liability order is enforced. A number of the fees are a percentage of the sum owing or fixed sums while the charges for a bailiff attending are required to be reasonable. If you wish to challenge the fees you may apply at your own expense to have them taxed in the county courtlink3.gif.

You will note from regulation 45 (1) that the costs incurred in enforcing a liability order may be recovered by distress and the sale of goods. If you are aggrieved by the levy you may appeal to the Magistrates ' Court at your own expense under regulation 46. There is no requirement for the bailiff to separate the enforcement charges and pursue them through the County Court.

Yours sincerely

Simon Piper

Principal Revenues Officer

 

Direct line: 01483 523104

 

 

From:

To:

Date: 02/02/2011 12:04

Subject: RE: Council tax account: 12449105

 

 

Dear Mr Piper

 

Your bailiff contiues to come to the property pursuing the amount of £866.19 even though the council tax of £251.69 has been paid. They are obviously acting on your instruction and as you will know that under Regulation 45 Schedule 5 of the Council Tax Administration and Enforcement Regulations do not allow for fees of this amount. You are fully responsible for the bailiff's actions. You will be aware that he cannot use a Liability Order to pursue me for costs and it is he who must make an application through the small claims court for these fees.

 

Yours sincerely

 

 

Please note that all correspondence is being copied in to Mary Orton, Director of Waverley

 

To:

Subject: Council tax account: 12449105

From: [email protected]. uk

Date: Tue, 25 Jan 2011 12:37:34 +0000

 

Dear Ms S

 

Thank you for your letter dated 24 January received today in reply to my letter dated 15 December 2010.

 

I note that you have made arrangements to pay Waverley £251.69. This is not accepted as full and final settlement of the debt owing to the Council as it does not satisfy the amounts due in law from you. In accordance with The Council Tax (Administration and Enforcement) Regulations 1992 the payment, when received, will be credited to the costs and charges first. Assuming your payment of £251.69 is received the balance of £103.00 will remain unpaid, in addition to the bailiff's fees.

 

The bailiff's fees have been incurred as a consequence of your not paying the council tax owing to Waverley and I explained in my letter dated 15 December the actions taken by Waverley prior to the bailiff attending. If you wish to challenge the level of the bailiff's fees you may apply to have them taxed by the county court.

 

In the meantime I expect the bailiff to continue to enforce the liability order dated 22 July 2010. I urge you to settle the debt in full with the bailiff immediately in order to prevent the bailiff's fees increasing further.

 

Yours sincerely

 

Simon Piper

Principal Revenues Officer

 

Direct line: 01483 523104

We are passionate about improving lives, leisure, environment, value for money and subsidised affordable housing.

 

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This is the reply I've just got back from Alexanders bailiffs which completely ignores my earlier email asking them for a figure to return my car! Is ther nothing I can do?

 

Dear Ms Stewart

 

I am writing regarding the vehicle EU02 LCP Renault Megane, which our bailiff Mr T Cooper had removed. It is now with the Auctioneers and will be sold in the next auction as a non runner, as it does not have the keys or log book with it. This will result in a low sale price. However, if you send us the keys and the log book, the vehicle will sell for considerably more. Thus reducing your debt further with Waverley Borough Council and ourselves. Clearly getting the best price for the vehicle would be to your advantage.

 

If you would like to discuss the matter further, please do not hesitate to contact our office on 020 8661 2515 between the hours of 10am - 4pm .

 

 

Kind Regards

 

Deborah Harding

Administrator

 

Contact telephone number

020 8661 2122

9am - 5pm

 

Alexander's Commercial Services Limited

Company Reg. No 3498683, UK

Reg. Office: 75 Park Lane, Croydon CR9 1XS

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RH - Lets go back to the beginning and work out the legitimate fees for them, as they are clearly (typically) incapable.

 

Please read this carefully and correct me where i am wrong.

 

I'm going to give them the benefit of the doubt that they called once and you were not in - we can clear up the details latter with a 'screen shot' their record of what has happened.

 

So...

 

Origional sum = £354.69

 

First visit no levy (maybe) =£24.50

Second visit (levy) =£34.68

Removal of car =£300.00 max

 

 

Total possible =£713.87 + possible storage fees etc, i'll have a look into it.

 

 

How much have you paid them so far?

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Correct me where i'm wrong.....

 

So despite the fact that the CURRENT maximum total is £713.87 AFTER visit, levy and removal, it seems:

 

You 'owed' £700 in December - have you a written demand / e-mail for this?

 

By Jan 25th it had risen to £866-19 PRIOR to the removal of your car? Again, have you a written dated demand / e-mail for this?

 

Think carefully, is this correct?

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RH - Lets go back to the beginning and work out the legitimate fees for them, as they are clearly (typically) incapable.

 

Please read this carefully and correct me where i am wrong.

 

I'm going to give them the benefit of the doubt that they called once and you were not in - we can clear up the details latter with a 'screen shot' their record of what has happened.

 

So...

 

Original sum = £354.69

 

First visit no levy (maybe) =£24.50

Second visit (levy) =£34.68

Removal of car =£300.00 max

 

 

Total possible =£713.87 + possible storage fees etc, i'll have a look into it.

 

 

How much have you paid them so far?

 

Was going to ask the same thing myself in a different way

 

liability order £354.69

1st & 2nd visit fees £24.50

levy fee £35

 

Total outstanding at date of the levy £414.19

can you tell me what date/ amounts are written on the notice of seizure

can you tell me if you have had any bailiff letters before the levy and what date/ amount is on it

can you tell me if there were any bailiffs letter after the levy (but before removal) the date /amounts on it

can you tell me if there any bailiffs letter /paperwork (looking for a removal form) when the car was removed and the date/ amounts of it

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Original summons (I presume its the LO) £351.69.

First visit £24.50 (with the intention to levy but NO levy)

I pay the entire council tax bill of £251.69

This leaves £100 out standing on LO.

Then, 2nd visit - car clamped (or so they thought)

Then 3rd visit - removal of car - £300 max (you say)

The current maximum according to their notice now stands at £864.50, this does not take into account levying the car, nor storage (which I believe can only be £2.50 per day according to CAB)

I do not have a written demand for this but I do have it in writing, somewhere

yes, by 25th Jan it had risen to £866 PRIOR to the removal of my car - I don't have a written demand but I do have it in writing, right beside me dated 2nd Feb.

 

Alexanders have just emailed me a response which now follows and I have asked them if this includes the £251.69 already paid:

 

.ExternalClass .ecxhmmessage P{padding:0px;}.ExternalClass body.ecxhmmessage{font-size:10pt;font-family:Tahoma;}Dear Ms

 

Thank you for your email.

 

Please be informed that to release your vehicle, we require the full outstanding balance, which is £864.50 plus £15 per day storage costs. If paid today, then the total needed will be £954.50.

 

If you need any further information, do not hesitate to contact our office.

 

 

 

Kind Regards

 

Deborah Harding

Administrator

 

Contact telephone number

020 8661 2122

9am - 5pm

 

Alexander's Commercial Services Limited

Company Reg. No 3498683, UK

Reg. Office: 75 Park Lane, Croydon CR9 1XS

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I don't have any money until m y tax credits come through and that will only be £200 adn we will have to go without groceries. the only other alternative is not to pay the rent at the end of month - my car isn't worth £1000 or more even with the keys and log book - it really is an old banger.

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Right, I've got my paperwork.

 

03 Nov 2010 - "Notice Not to Move" from Alexanders (signed by non certified bailiff called Mr O'Neil) saying this vehicle is now seized AND "Notie of Seizure of Goods and Inventory" also dated 3rd Nov (stating the LO costs; costs of 1st attendance as £25.00; levy fee £35.00 ; Enforcement costs £270 - total due if paid immediately £696.19)

15 Dec 2010 - letter Waverley BC to me with breakdown of council tax and LO - £354.69

24 Jan - i wrote to council questioning disproportionate costs

25 Jan - Notice of bailiffs attendance - amount now £866.19

25 jan another notice of bailiffs attendance including costs £170 - car now clamped (or so they thought)

25 jan I move car

30 jan - council tax left my bank account - £251.69

2 feb Alexanders came back and found my car, towed it and left a notice saying "pursuant to the above order, the items listed below have today been seized and will be sold by public auction unless full payment including costs are paid by 7th Feb.

2 feb - Alexanders put thru letterbox a Notice of bailiffs attendance with an amount of £866.19 - Mr T Cooper

8 feb - Alexanders want £ 954.50

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yes, I['ve paid £251.69 already.

 

Here's the response frm Alexanders:

Thank you for your email.

 

Please be informed that to release your vehicle, we require the full outstanding balance, which is £864.50 plus £15 per day storage costs. If paid today, then the total needed will be £954.50.

 

If you need any further information, do not hesitate to contact our office.

 

Kind Regards

 

Deborah Harding

Administrator

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Ministry of Justice Public Register of bailiffslink3.gif on 020 3334 6355 phone this number now and confirm he is not a certificated bailiff

 

03 Nov 2010 - "Notice Not to Move" from Alexanders (signed by non certified bailiff called Mr O'Neil) saying this

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This one goes against the grain but as a last resort......

 

Since the likely hood of resolving this prior to the car being auctioned is between slim and nil, is the best outcome for reallyhardup that she:

 

1) Gives the keys and log book to Alexanders,

 

2) The car goes for more at auction

 

3) Recover what we can after the fact.

 

But first, i think a third party needs to contact Alexanders and Mr Piper letting them know that we know the facts. No offence, but because they've got got her flustered, they think RHU is a soft target, and that she will not follow through with legal action after this debacle is over.

 

We need to convince them otherwise.

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Just made the phone call and they say that there is a Mr Jean-Darren O'Neill (who also goes by the name of John). When he visited my property HE WAS NOT REGISTERED.

His registration ran from 16th November. So, when he visited my home on 3rd November, HE WAS NOT REGISTERED. Further, his registration ran from 17 Oct 2007 until 16 Oct 2009 (because its renewed every 2 years) and renewed on 16th Nov 2010.

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Just had a phone call on m y mobile from Alexanders from Debbie. She says they are having difficulties with their emailing system!!!! and that the amount of £954.50 DOES include the £251.69 I've already paid - what an utter rip off!! the removal fees were £250 she also says.

Time and Date noted.

Recording kept for possible future reference.

Edited by reallyhardup
missed a bit
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Just made the phone call and they say that there is a Mr Jean-Darren O'Neill (who also goes by the name of John). When he visited my property HE WAS NOT REGISTERED.

His registration ran from 16th November. So, when he visited my home on 3rd November, HE WAS NOT REGISTERED. Further, his registration ran from 17 Oct 2007 until 16 Oct 2009 (because its renewed every 2 years) and renewed on 16th Nov 2010.

 

Phone croydon court (don't know the number) and ask for the date he applied to renew his certificate

I have a very bad feeling that as long as they have applied for the renewal they are OK

 

Its ok though I'm going to try another angle with a nicely worded letter to the leader of the council

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So is there a glimmer of hope we can 're-set' the total due to to £414.19 - £251.69 = £162.50 Due.

 

Grounds to challenge some of the fees over and above the £414.19 (and possibly the levy fee itself:

 

1)The bailiff who carried out the levy was not certified at the time of the levy.

 

2)The levy was made to extort an unlawful "enforcement cost" of £270 over and above the legitimate fees. This unlawful enforcement cost made it impossible for the debtor to clear the balance prior to removal.

 

 

Must get to work now RHU, but return latter or tomorrow.(or sooner if curiosity overcomes the need to work!!)

 

I think we need to get this letter drafted.

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