Jump to content


  • Tweets

  • Posts

    • I see they're trying to round up asylum seekers and lock them up for about three months so they can be put on planes to Rwanda. I'm a bit surprised that this is legal.  
    • thought for the day "Prime ministers need a big strategy that tells you where you’re going, you need a bunch of tactics that get you there, and you need the ability to take everybody else with you."   Now I know you are all thinking 'why is the  UKs destination Rwanda ???
    • Asset Link filed for a default CCJ against me, in relation to an old Barclaycard debt which I apparently signed an agreement for back in 2000.   I did not own a Barclaycard in 2000 so I know this is not true.  The CCJ notice was sent to an old address so I did not receive it.  Years later when I found out about the CCJ when I applied for credit, I put an application in to have the CCJ set aside.   As part of the set aside case, I was asked by the judge to provide a draft defence, should the CCJ be set aside.   The defence I provided was that I did not admit to the debt as I had not been provided with any evidence of an original loan agreement.   I won the case and the CCJ was set aside.   Link then filed to court again to make me pay the debt.   We both filed directions questionnaires and the judge allocated the claim to the small claims track.   As part of the directions, additional directions given were as follows ' Additional Directions in a claim for an Assigned Debt - Because the claim is in respect of an assigned debt the Court makes the following directions for the management of claim.  The claim shall be automatically struck out at 4pm on 3 April 2024 unless, before that time, the Claimant delivers to the Court and to the Defendant the following documents'  It then listed various documents such as an original agreement, deed of assignment, notice of default, statement of account setting out how the alleged debt accrued under that agreement etc.     The Claimant failed to provide these documents within the deadline provided and instead I received a copy of a bundle of documents provided by them in preparation for the court date, this was received weeks after the deadline.    I have called the Court to ask if it has been automatically struck out and they advised that it is not automatic and that I should still send my witness statement by the deadline provided, which is Wednesday.  This does not give me much time to prepare my witness statement.   I have never done anything like this before and I am unclear what my witness statement should include.  My thoughts were that I should keep it simple and stick to the facts, like the fact thy have not provided evidence of the original agreement, or the deed of assignment of the debt.   They have provided a copy of a default notice from Baclaycard dated 2015, this states a figure of £550 but the debt they say I owe is £10k.   I am not sure what makes a valid default notice?   I have previously requested proof of the debt from Barclaycard directly and have evidence of emails between us where they have been unable to provide me with the agreement or any documents at all relating to the debt.   Should I include these as an appendix?  Are there any other documents I should include in my bundle?    I have also tried to mediate with the claimants, to save the court costs and time, on a without prejudice basis, but the claimants solicitors refused to mediate.   Should i state this in my witness statement too to show the judge that I have been reasonable and they haven't? Many thanks   Louise
    • Right that's exactly why so many drivers got caught, it had been that way for many years then suddenly changes with no warning
    • The hearing is 25th June, I have downloaded items to different organisations previously but they do it a simple way and I just cross out private things with a felt tip and sent to an email address.  I have looked at the instructions for CAG it seems extremely complicated especially this about having to use a system MSPAINT.EXE that removes your personal information. I am hoping one of my Grandchildren understands things to give me help, I have shown one of my daughters she said she does not understand the instructions. I have a PC and I mainly use a lap top, as previously advised I only understand the straightforward things, sending an email and using my scanner to send a document that I save in a file or send it to an email. I will try and find someone to help me, thanks for your help you have given me so far appreciate it        
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • 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.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      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
        • Like
  • Recommended Topics

Once Council sharing Info with Another


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3810 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi,

 

I'm slightly concerned as to how my previous borough council retrieved my information from the new one I only just moved into (this was going back a year ago now).

 

1) I used to live in Medway Council area.

2) Was evicted after a posession order (yet illegally as landlord locked me out, took my goods etc... on the day whilst I was out - not the current issue) on 19th Nov

3) On 17 Dec Medway Borough (or the court, still nto sure as I never received em) served me court papers stating I had to make an appearance

4) 2 weeks later, after a spate of homelessness I get an attachment order

5) I contact medway and confirm it (and the debt), but ask how they got my information

6) the said that Swale Borough Council had given my details to them

 

My concerns are that:

 

- I've always remained in good comms about the debt in questions and paid when I could

- My details are being passed to and fourth

- Medway C Council, will NOT re-send any of the warnings nor have the letters of intent sent to me regardless of a SAR

- My name is NOT on the public voters register

 

Is there any way in which I can question as to how this was done? as they are demanding silly amounts of money out of me in payment arrangements regardless of sending them my own company books, IE sheets, bank statements etc...

 

I was told, in these words "we will send bailiffs, if you can't pay you will go to jail"?

 

Can they do that? At the moment, I've dropped the payments to ALL other debts (non prio), indicated on the IE sheet, dropped my bilsl down to nothing, despite the half crippled company needing them and they are stating that I'm out of order?

 

Any advice? Or should I just go back to Holland and leave them holding the baby for 6 years? hahaha

 

Adrian

Link to post
Share on other sites

I believe legally local authority's are allowed to share information regarding council tax debt (cant remember where i read it but will see if i can find it )

 

If you send SAR request the information you want would have to be included

 

yes they can send in the bailiffs

 

no they cant send you to jail for not paying your council tax but they can send send you to jail if you wilfully refuse to pay your council tax

 

you were evicted on the 19th November have you confirmed the date your liability for payment stopped and the liability order amount

 

do capita administrate your council tax (i bet you a £1 they do )

Link to post
Share on other sites

  • 2 months later...

do capita administrate your council tax (i bet you a £1 they do )

 

What did you mean by that? I've been keeping up with payments, give or take a week due to income and surprise bills, and also on the odd month I have overpaid as a good will to show that I am willing to pay back the debt.

 

This STILL isn't good enough for them, and I am still on a low income.

 

Are there any suggestions as I've:

 

- kept in excellent comms with them

- made sure the agreed amount was paid on (or within one week) of the 1st of each month

- openly told them I am happy to send in my company books to show that its on it's way out

- openly told them that I am happy to send them all my bank statements

 

Since I've been moved onto DLA, I'm receiving a bit more money, but now my own council expect me to pay £20 a month towards my borough tax, which I do, and I have to pay £50 towards rent now, which I do.

 

This only leaves me with the £63 odd a week. On top of this, I have a payment thing with british gas which is £33 a week for 6 months until my bill is paid off.

 

They ARENT happy with this and are threatening blue murder i.e. sending bailiffs (I told them I had nothing), and them send me to prison if bailiffs can't recover the funds.

 

Or are they just using strong arm tactics in hope that I panic and rob a bank to pay them off? lol

Link to post
Share on other sites

Capita are a private company who do the back office work for a lot of Councils inc Revenues. They also happen to own a couple of Bailiff companies - Equita, Ross & Roberts. Therefore if you ring the Council it is more likely you speak to a member of Capita rather than the Council and they have a vested interest in threatening Bailiff action.

 

Do you actually know how much you owe? I note you also make mention of a company - is this all for Council Tax or is some for NNDR as well. You should ring them and ask:

1- how many Liability Orders they have against you

2 - the dates they were obtained

3 - how much each one is for

4 - the dates each one covers

5 - how much is still outstanding on each

 

I actually imagine they are happy with your payments at present as otherwise they would have passed it to the Bailiff by now - they are probably only mentioning this to keep the pressure up on you.

 

You say you also get DLA now - I was under the impression this could not be taken into account as income. It may be worth contacting the Council or local CAB to see if they have a Welfare Rights Adviser who may help make sure you are claiming/paying what you should be.

 

PT

Please consider making a small donation to help keep this site running

 

[sIGPIC][/sIGPIC]

 

Link to post
Share on other sites

Hi PT,

 

I have contacted them 3 times already today to discuss payments, and I have upped the anti from £15 a month to £40 a month to keep them happy, YET AGAIN, they refused it and said that "we are unable to accept less than £50 a month".

 

I asked "are you refusing me to pay my bill at a rate which I can afford"... "Yes".

 

I asked to speak to the recovery team, and tada, phone went dead (all 3 times).

 

Anyway, to answer your questions:

 

1) This is purely an old personal council tax bill, it has nothing to do with my LLC at all.

2) 2 Liability orders, one is being paid as per arrangement, no problems with them at all. The other, this one (the one in question) was served at an old address, in my absence. I didn't know about it until a month or two later. However, I have remained in good comms with the council in question when it comes to my income and expenditure and situation

3) The first in 2006 (I think), this one is nearly [aid off, and isnt an issue. The latter in Dec 2009, I left the property in Nov 2009.

4) £300 odd and this one £700 odd (including court fees)

5) The first covers 2005-2006, the latter 2008-2009

 

My DLA itself isn't taken into account, but the HMRC are paying me an extra £50 a week for a disability component in my Working Tax Credits. That is what they are looking at.

 

At the moment my i/e =

 

inc DLA: 50 / wk

inc WTTCredit + Diability Component: 100 / wk

 

exp CTax: £5 / wk

exp Rent £15 / wk

exp Electric (payment arrangement too): £33 / wk

exp Shopping + Household: £30 / wk

exp: Telecomms (Internet/Phone): Varies but usually £20 a week

 

I've even explained to them that I forfeit having a telly at home as I am more concerned about paying bills than watching telly (which is true), but alas, they still whinge.

 

Any tips? Or is it best not to talk to them at all and just pay £10 a week regardless? *shrug*

 

Cheers

 

A

Link to post
Share on other sites

In my view you are doing nothing wrong, you are aying at a rate you can afford without comprimising other payments. Although they refuse to accept your proposals of payment they would soon shout if you lowered them to say £10 - repeating the £45 you said you would pay, if this is a level of payment that is going to cause you hardship then go back to a lower one. It will pay you to confirm everything in writing. The Council could take things further but as they haven't makes me think they are happy. They will get no where if they took you to a Committal Hearing as you have a track record of payments.

 

My honest opinion - pay what you can afford and ignore what they say - unless it is in the form of a Court Order. Reply to everything in writing. They cannot get blood out of a stone.

 

PT

Please consider making a small donation to help keep this site running

 

[sIGPIC][/sIGPIC]

 

Link to post
Share on other sites

  • 2 years later...

Sorry I neglected this thread for a while, I've cleared these debts, but they've seemed to have infringed on some DPA stuff... I'm looking into this too, but thats another thread :)

 

Thanks for the help!

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...