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    • god they've got at you haven't they. told you all the usual utter BS. a CCJ vanishes from your credit file on it's 6th B'Day regardless to being paid off or not or paying or not. same with any debt with a registered defaulted date - it vanishes from your file on the DN's 6th B'day regardless. creditfix are Knightsbridge, (they renamed) there are 100's of threads here on Knightsbridge, if i remember rightly 2 of the directors of a certain very big IVA provider were struck off for embezzling £1m's out of debtors. pers i'd stop paying now.  end of . just ignore them all. 99% of your debts are to utterly powerless DCA's and probably were never owed in the first place only goes to firm up my belief from post one..you got had blind. its very easy to deal with the debts even those with CCJ's. can you copy and paste what you credit file says regarding the IVA please?   
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    • Sorry I meant credit fix - I really wish I'd known this before - kicking myself right now  If they come back to me asking for more money I'll cancel it and start trying to deal with the debt myself let's see what they say  Feeling tempted to cancel it now but scared that some of the debts will do more CCJ's on me and I'll have to wait 6 years again.  2 of the CCJ come of this year and then I'll only have the iva in credit file - effectively if I'd have not took out the iva in 2021 I'd have clear score by now - but then again would I because I would have been hounded the last 3 years, as bad as it is it's saves me lots of headaches whilst my debt was still within the 6 year mark.  I think most of them are near there but in all honesty no point chasing them if I do cancel iva I'd jjst wait for the ones who contact me and then start the relevant letter process on them.  Of over 6 years easy if not still possible to write off. My true victory would be having the iva wiped off my credit file as mis sold or something that way I Don't have to wait till 2027 Other option is to fight back and ask for them to offer the creditors to accept payments so far and use the following method    Will your IVA firm agree to complete your IVA on the basic of funds paid to date? The Guidance lists a lot of factors to be considered in deciding whether a settlement on the basis of funds paid to date should be proposed. You should read the list. But that may not give you any feel for whether they apply to you or not. The following are my thoughts on when an IVA should be treated as settled, not failed. They assume that you have £75 or less to pay a month: if you would currently qualify for a Debt Relief Order, then your IVA should be settled now  There is no point in making your IVA fail and you have to apply for a DRO – it will not generate another penny for your creditors. If you are renting and owe less than £50,000, check the DRO criteria now and talk to National Debtline on 0808 808 4000 about whether you qualify. You may have been told at the start of your IVA that you aren’t eligible – still check now as the DRO criteria have changed, your situation has got worse, and some people were given incorrect information about DROs at the start. if you have no assets that would be realised in bankruptcy (eg a house with equity, car worth over £2000), then your IVA should be settled now Same as (1), there is no point in making you apply for bankruptcy after your IVA fails. if your only asset is a car that is worth less than £8000, then your IVA should be settled now A car that is worth say £5000 would normally be sold in bankruptcy and you would be given a small amount to buy a cheaper car. But your creditors would not get any benefit from this as the Insolvency Service takes the first £8000 raised to cover its own costs. if you have significant assets, the closer you are to the end of the IVA, the less reasonable it is to fail it If you have been paying your IVA for 4 years, you have done your best over a long period. It isn’t your fault you can no longer continue. The fact you may have had equity to release isn’t relevant as that simply isn’t going to be possible. if your situation will clearly improve soon, then it’s unlikely your IVA will be settled I mean real improvements, not hoping that prices fall. If I can get them to accept payment to date or threaten with cancellation hopefully they may accept it -  Other option is to try and borrow money and pay make a full and final offer  Or I can just ignore and hope for the best which I'm very tempted to do especially if they respond to my review with bullying tactics despite me being skint as a fart with no mortgage as renting  It's so stressful but I've just checked the iva agreement from 2021 and it's Cabot 2 accounts Lowell about 5 accounts and then lots of repeats of the same debt with for example zopa and Cabot same amount listed twice -  also loyyds banks but I'm sure that's older than 6 years and not on credit file anyway  If I can somehow remove the iva from my credit file I'd be happy 
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Council tax court summon issue


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Hi

 

in 2010 I had to go on part time to my work and was earning around 150 a week.

 

after 3months in part time position when things started to get better i went back full time and I agreed with council to pay 50 a month until I get on my feet.

 

But as usual bad luck I lost my job by getting sacked ,so I appealed against the sacking decision

I got the job back which made me miss payments for council tax so the court Summons cost was added last year.

 

last month I received the new bill plus old outstanding balance of £505 .

 

I called the council last week and told them that I will start making new council tax and carry on paying £50, as I agreed previously

 

as the council lady refused to put an payment arrangement in place, don't want to go in some kind of deal until the court summon was issued and £70 extra charges are added ,

I went mad and argued not to add court summon charges .

 

she said no way it can be stopped as it is government law to issue court summons and add extra charges

 

I got little angry she hangup on me .

 

I called again spoke with another lady from council and she also went telling me the same story as the first one

so I asked her is there any one i can write to so these charges can be dropped and the reply was you can write to us but the charges will stay on.

 

I was really annoyed and asked that i want to attend the court summon in front of magistrate as i am going to fight it back

as there was no need to issue court summon as i am happy to set payment plan for the outstanding balance .

 

anyone please tell me what are my chances of winning this argument of adding these unfair court summon charges

even though I am paying them towards outstanding arrears .

 

The council lady was so confident that there is no way I can avoid the court summon charges .

 

thanks

Edited by Tariq2009
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can you PLEASE go through the post and EDIT in blank line breaks and sentences

 

i've tried reading it twice and makes no sence to me.

 

dx

siteteam

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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no i've just done it.

 

still cant full grasp it.

 

are you saying you've had the new CTAX bill and the old bill and you are going to only pay £50 for both

or

are you paying the new bill as it should be + are paying £50 toward the old CTAX bill?

 

eitherway if you are late with the new or behind with the old, they are saadly within their rights to get a LO issued and charge you for it.

 

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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Share on other sites

Yes unfortunately,since you had arrears and was late with the new one,it is usual for them to go for a liability order.

This is their insurance of being able to enforce recovery.

Although it has been said that the actual cost per LO to be rubber stamped is only a couple of pounds cost to the Council,costs added onto the account can vary from £50 to £100 depending on the Council.

The Magistrates are not able to intervene on costs,nor will they get involved in any payment arrangements,only if the actual amount of the arrears is wrong,or you dont owe anything will they be prepared to listen.

Its up to you now to agree a repayment plan that they will accept,and if you break it,you will find them passing it to Bailiffs-so dont ignore it.

With the Gov Council spending cuts affecting most Town Halls now,Councils have begun to take enforcement more readily.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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I am paying new ctax £117 new plus £50 . I am uptodate with new ctax. I asked them not to issue Lo for old ctax as it will add more £70 on the arrears as I am already struggling to pay and they are not willing to stop the Lo which .is there a way that I can fight this in court as I am paying it but all this Lo is no need for it as I have not miss the payments in this new year .but they saying last year is finished now this old arrears is class as new debt and they have to start the process of Lo all over again and make me bare the cost of it .can get any result in front magistrate if raise this issue .thanks

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Tariq,

If there are amounts outstanding from the previous year and you cannot clear them before the next years amounts are billed,then these days they will go for a liability order.

If you did speak to them after getting notice that the LO was going to be heard in Court,and made an undertaking to pay the outstanding amount,then yes they could have withdrawn the LO-providing you DID clear the arrears BEFORE the hearing.

Can you say if that was the case-and if so

 

1.How did you notify them.?

 

2.How long before the LO hearing did you actually pay the arrears ?

 

If you can show that they went ahead with the application AFTER you had cleared the arrears from the old account,and that this had been done in good time before the hearing,and they were notified to that effect-then you could have a case to argue.

For proof of this I think you would be best to do a full subject access to get proof of it with screenshots/call logs etc.

 

Do you understand all that ?

 

I should add that this is something I did myself a couple of years ago,and had £100 costs refunded as a credit to my CT account-so it can be done.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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  • 2 weeks later...

Tariq 2009,

 

I fully sympathise with your objection to the government profiting from residents over Council Tax Summonses and Liability orders.

 

I realise this issue maybe behind you now but I found something relevant to this thread that I'll post in case you or anyone else is interested in the legality (or illegality) of the Council Tax summons and Court procedures.

 

Regina v. Brentford Justices. Ex parte Catlin

 

The most relevant to this thread I think are the closing comments of Lord Widgery C.J

 

"....It must however be remembered that before a summons or warrant is issued the information must be laid before a magistrate and he must go through the judicial exercise of deciding whether a summons or warrant ought to be issued or not. If a magistrate authorises the issue of a summons without having applied his mind to the information then he is guilty of dereliction of duty and if in any particular justices' clerk's office a practice goes on of summonses being issued without information being laid before the magistrate at all, then a very serious instance of maladministration arises which should have the attention of the authorities without delay...."

Another quote related to this case:

 

"A decision by magistrates whether to issue a summons pursuant to information laid involves the exercise of a judicial function, and is not merely administrative."

There is a F.O.I. request incidentally, getting into this territory on the whatdotheyknow site.

 

The fact that there are typically several hundred cases at a single court hearing may have some relevance to Lord Widgery's comments; what is the possibility that the magistrate would go through the judicial exercise of deciding whether a summons ought to be issued or not when these numbers are involved? Or, if in fact the information is laid before him at all?

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