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    • Thought I'd give this a bit of a bump, car cash point now refusing to reply to emails, complaints or return calls. Also refusing to supply me with a copy of the default notice, the sar and refusing to acknowledge the fact that they are duty bound to place an account on hold for 30 days when I am in discussion with a debt help organisation.    Bit the bullet and rang chartsbridge. They've placed the account on hold whilst I speak with the debt advisor etc...bur here is where it gets interesting...    They contacted ccp who were quick enough to reply to them, despite ignoring me completely. Ccp stated to them that they weren't willing to negotiate a settlement as the account had been in default since last February... The default notice wasn't issued until late August!!!    Chartsbridge now refusing to answer requests for details of the default notice they were supplied with.... Something stinks!! 
    • So I sent a SAR and CCA to Lowell and the Halifax.  I am awaiting the result from the Halifax who say it could take until March. Lowell provided me with exactly the same documents as before and completely ignored the CCA request. When I informed them that they had failed to provide what I had requested their response was to issue me a  County Court Claim for an account number bearing no resemblance to the paperwork they have in my name.  Happy days.......
    • may not will..read it carefully.   snotty letter time.   in this very same forum for exactly the same place there is one from yesterday.
    • Goodmorning   I hope everyone is well and thanks to everyone so far for their advice   Just about to submit SA online   wanted to check a few things please   1. for my fuel mainly, lot of the receipts have faded and i use my internet bank statements for evidence of fuel etc. For example if I wen to BP petrol station, and filled up £40, it would show up on my bank statement and thats my evidence. If i do buy a coffee whilst there, I tend to pay separately, thus keeping the fuel payments e separate. i thn aportion 60% of the fuel cost to business, as ~40% i for personal use.     Therefore, is this method of keeping records acceptable to HMRC?       2. on the online SA form, there is a box for signature. if Im submitting online, do i have to sign that and if yes, how?   3. NIC2. It asked if i had profits over ~£6,500 ( cant remember exact figure). Thats a yes. So next was if i wanted to give NIC2. When I choose yes, a red message error comes up preventing me from proceeding. Only when I enter 'NO' onto the NIC2 that it allows me to contribute. Does that mean the system thinks I shouldn't pay NIC2?     4. Last year, on the SA of 18-19 ( that my acct had done for me and submitted), I ended up making an overpayment of £800 by 31/1/2020. I also made the first payment on account for 19-20 of half that amount , ie 400.   in this years return, im asked if theres any underpayment or underpayment from previous years. hen I enter the overpayment, again i get a red error message which stops me proceeding with the form. Only when I enter, 'NO', meaning theres no over or underpayments , that the online portal allows me to proceed with my SA application. In effect it means for this year I will have to pay what i owe, without taking into consideration that I had overpaid a ttal of £1200 ( 800 + 400), last year. How can I address that please?
    • Well if you want to go ahead then we will support you. I suggest that you try to get in contact with one or two or maybe even three mechanics who are familiar with this kind of turbocharger and are prepared to give you – even just a note in writing to say that if they are incorrectly fitted in this way then a blown gasket is a typical consequence. Also, I suggest that you photograph it – good photographs – to show the bolts, indicate how they were incorrectly fitted before. If you can take a picture of the gasket line to show how the gasket had to be compressed by the correctly fitting bolts. I think the fact that you drove around with it for a bit is not really a problem – especially as they were fobbing you off. I think you need to write all of this down in a statement. Write down a concise statement of what happened, – with the pictures to illustrate what you are saying. Why you continue to drive it – because you needed it for work et cetera but how you made attempts to deal with the garage and they simply rebuffed all of your approaches even though you are a customer of theirs and it was clear that they owed you a continuing duty in respect of the work that they had undertaken. It is clear that the work they carried out was not carried out with reasonable skill and care – as per the consumer rights act and so therefore they are liable for all of the consequences which flowed from that negligence – and the blown gasket is typical.  
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    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
      • 31 replies

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Hello all,

 

My Mother has got behind on Council Tax payments and has been issued with a court summons for Friday.

 

I want to avoid court, so I was wondering what I could do to help her? I was thinking of writing out an income/expenditure list and a letter explaining why she got behind and how she will be able to start repayments soon due to a change in circumstances.

 

If this was done, do you think court would be avoided? Or should I simply prepare this information for the court day?

 

Many Thanks

 

DC

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Moved to the Council Tax forum.

Anthrax alert at debt collectors caused by box of doughnuts

 

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Hello all,

 

My Mother has got behind on Council Tax payments and has been issued with a court summons for Friday.

 

I want to avoid court, so I was wondering what I could do to help her? I was thinking of writing out an income/expenditure list and a letter explaining why she got behind and how she will be able to start repayments soon due to a change in circumstances.

 

If this was done, do you think court would be avoided? Or should I simply prepare this information for the court day?

 

Many Thanks

 

DC

 

The only way to avoid Court is to pay in full unfortunately. Are there any other circumstances the Council may not be aware of - does she get single person discount if she lives on her own, is she entitled to any other Benefits. The decision at Court is a basic yes or no answer and the grounds for dispute are very narrow. If granted a Liability Order from the Council can be passed for further enforcement including Bailiff action, if the sum outstanding is not paid.

 

PT

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You don't have to attend court dc, if your mother agrees she owes the tax then it's just a formality with the court stamping the form to say you are liable.

The courts can't take into concideration the reason it is in arrears as pt says above. Once the liability order is granted, you can contact the council and set up a repayment schedule and should do this as soon as the order is granted.

 

There is no county court judgement or credit reference agency default recorded.

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  • 5 months later...

Hello good afternoon, can someone pls advice me regarding what I need to do to taker the council to court over a council tax summon.

 

I recently received a summon even though I owe nothing and without prior warning. I was then informed that this was due to paying pm the 14th of every month rather than the 1st. I was then bullied into paying via dd; this allowed me to pay on the 18th every month. I was told that they do not receive my payments for another week prior however this is due to internal allocation of payment to individual accounts and nothing to do with me. I know that dd payments will not reach my account any quicker. Also I was charged 80 pounds for this. I want to claim this money back, can anyone advise me on how to do this?

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