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    • Hi all,   I would like to thank you all for your help so far on this matter. I have been reading some relevant thread on here as rightly suggested to get myself up to speed.   One thing is certainly clear, and that is NO to mediation. I have got to put the form N180 in the post first class tomorrow money to meet Monday's deadline. I haven't really found a clear answer to one or two things: 1) Can i change the hearing venue to my preferred county court? 2) What's my reason for considering the case not suitable for the small claims tack and what alternative?   I'm really sorry to be a nuisance but this has got to be posted tomorrow morning and i'm running out of time.   I am really counting on your advise please
    • I have contested a parking ticket on Bradfield Rd car park in Sheffield i was only there in April for 39 minutes but got issued a ticket saying i was parked in permit holders space. Its normally free for 1hr 30. I have attempted to pay the original fine but it would seem there reference number is incorrect as it does not let me pay.  They have now sent letters demanding £160 and have passed the charge to a company called Zenith.  I have rang wrote etc but cannot get any form of coherent communication and am now worried as to what to do next any advice appreciated.
    • Hi caggers,  OH got a vanquis card, defaulted and made a last payment in July 2015. Since she gave me a heads up with threat letters for pre-court action, I fired off a CCA and got a response way after the prescribed time line (I can live with that).   They did send her a CCA and breakdown of spends. The problem I had with the CCA they sent her was it was pretty unreadable (I can post a copy) but it had her signature on there. I don't doubt the OH owes money but after speaking with her she cannot remember but didn't think it was as much as Lowell's are wanting to claim for as she only had a £500 limit and the amount they want is near £900.   I fired off an AID letter stating the CCA was illegible and at the same time sent a SAR to them specifically asking for a copy of the DN, Breakdown of charges and Interest and anything else they hold.   They come back acknowledging both letters but still asked what she her intentions are regarding the account with failure to do so possibly resulting in a claim form incurring costs.   They also said they will not send any further copies of the CCA as they've already compiled with the original CCA request.   Am I correct in thinking the CCA has to be legible and that this is grounds for the AID? I'm happy to come to an arrangement to clear the right amount owed but not some over inflated figure.   Thanks PM
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      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
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Hi all

 

How many times will the bailiff call before sending the debt back to the council tax. I asked the council tax to do an attachment of earnings on me and I filled in all the relevant forms the next ting is the bailiffs are dropping letters through my letterbox, I haven't spoke to them as I know they will want a rediculous amount of money off me that I know I will agree to pay then i will get behind on payments, all I want is the council to take the bill back and then I can pay it by reasonable installements (I only got behind with my bills through going into hospital for an operation) I am a loan parent working full time on a low income. Please any advice will be welcome

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Hi,

When did they get the liability order and at what stage did you ask the Council to make an A2E ?

What paperwork has been left by Jacobs ?

You can make a payment to the Council online,but Jacobs will still have title on their fees.

Are the Council aware of your health issues ?

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 tryed to make the arrangement as soon as the bill went to court approx 4 weeks ago

I have had 2 final 24 hour notices to seize goods

yes the council were advised of my health

tho council said they can't exept part payment

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The council can recall the debt from the bailiffs anytime they wish, this seems like you may need to send a Fromal Complaint to the head of Revenues, the CEO, and the council leader, copied to councillor and MP, citing that you are disappointed that your attempts to arrange payments have been ignored and you are being hounded by bailiffs, and that you may still be vulnerable, under guidelines as you are still recovering from an operation. and you are on a low income.

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If the Bailiff thinks he is getting to you he will call as often as he likes. If on the other hand he can see you have nothing then he may only call a few times - there is no hard & fast rule for the number of visits and it may drag on for months. You have to be aware of what he can & can't do - have a good read of a different threads for a feel of what happens. In the meantime as has been suggested start by putting pen to paper although if trying for the vulnerable angle you will need to provide some sort of proof.

 

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Given that you are a single parent I would strongly suggest that you DO NOT allow the bailiff to come into your home. There is no legal requirement in any event.

 

If the bailiff cannot gain access, he will almost certainly attempt to clamp a car of yours from outside of your home. If you do not have a car and refuse entry then the bailiff will have no alternative other then to RETURN the debt back to the court or accept a payment arrangement.

 

In the above circumstances, the bailiff can only charge a visit fee of £24.50 for "attending to levy" (where no levy was made) and a further 2nd visit will attract a fee of £18.00

 

If he is unable to levy upon goods, then he can return as often as he wishes. HOWEVER, he cannot charge any further fees UNLESS he can gains entry to levy upon goods.

 

Almost certainly, if he cannot gain entry after two visit, he will not waste travel costs for further visit if he cannot charge any further fees and the account would normally be returned.

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