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    • The property was our family home.  A fixed low rate btl/ development loan was given (last century!). It was derelict. Did it up/ was rented out for a while.  Then moved in/out over the years (mostly around school)  It was a mix of rental and family home. The ad-hoc rents covered the loan amply.  Nowadays  banks don't allow such a mix.  (I have written this before.) Problems started when the lease was extended and needed to re-mortgage to cover the expense.  Wanted another btl.  Got a tenant in situ. Was located elsewhere (work). A broker found a btl lender, they reneged.  Broker didn't find another btl loan.  The tenant was paying enough to cover the proposed annual btl mortgage in 4 months. The broker gave up trying to find another.  I ended up on a bridge and this disastrous path.  (I have raised previous issues about the broker) Not sure what you mean by 'split'.  The property was always leasehold with a separate freeholder  The freeholder eventually sold the fh to another entity by private agreement (the trust) but it's always been separate.  That's quite normal.  One can't merge titles - unless lease runs out/ is forfeited and new one is not created/ granted. The bridge lender had a special condition in loan offer - their own lawyer had to check title first.  Check that lease wasn't onerous and there was nothing that would affect good saleability.  The lawyer (that got sacked for dishonesty) signed off the loan on the basis the lease and title was good and clean.  The same law firm then tried to complain the lease clauses were onerous and the lease too short, even though the loan was to cover a 90y lease extension!! 
    • Northmonk forget what I said about your Notice to Hirer being the best I have seen . Though it  still may be  it is not good enough to comply with PoFA. Before looking at the NTH, we can look at the original Notice to Keeper. That is not compliant. First the period of parking as sated on their PCN is not actually the period of parking but a misstatement  since it is only the arrival and departure times of your vehicle. The parking period  is exactly that -ie the time youwere actually parked in a parking spot.  If you have to drive around to find a place to park the act of driving means that you couldn't have been parked at the same time. Likewise when you left the parking place and drove to the exit that could not be describes as parking either. So the first fail is  failing to specify the parking period. Section9 [2][a] In S9[2][f] the Act states  (ii)the creditor does not know both the name of the driver and a current address for service for the driver, the creditor will (if all the applicable conditions under this Schedule are met) have the right to recover from the keeper so much of that amount as remains unpaid; Your PCN fails to mention the words in parentheses despite Section 9 [2]starting by saying "The notice must—..." As the Notice to Keeper fails to comply with the Act,  it follows that the Notice to Hirer cannot be pursued as they couldn't get the NTH compliant. Even if the the NTH was adjudged  as not  being affected by the non compliance of the NTK, the Notice to Hirer is itself not compliant with the Act. Once again the PCN fails to get the parking period correct. That alone is enough to have the claim dismissed as the PCN fails to comply with PoFA. Second S14 [5] states " (5)The notice to Hirer must— (a)inform the hirer that by virtue of this paragraph any unpaid parking charges (being parking charges specified in the notice to keeper) may be recovered from the hirer; ON their NTH , NPE claim "The driver of the above vehicle is liable ........" when the driver is not liable at all, only the hirer is liable. The driver and the hirer may be different people, but with a NTH, only the hirer is liable so to demand the driver pay the charge  fails to comply with PoFA and so the NPE claim must fail. I seem to remember that you have confirmed you received a copy of the original PCN sent to  the Hire company plus copies of the contract you have with the Hire company and the agreement that you are responsible for breaches of the Law etc. If not then you can add those fails too.
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    • I understand what you mean. But consider that part of the problem, and the frustration of those trying to help, is the way that questions are asked without context and without straight facts. A lot of effort was wasted discussing as a consumer issue before it was mentioned that the property was BTL. I don't think we have your history with this property. Were you the freehold owner prior to this split? Did you buy the leasehold of one half? From a family member? How was that funded (earlier loan?). How long ago was it split? Have either of the leasehold halves changed hands since? I'm wondering if the split and the leashold/freehold arrangements were set up in a way that was OK when everyone was everyone was connected. But a way that makes the leasehold virtually unsaleable to an unrelated party.
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Birmingham City Council and Equita Bailiffs


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Hi everyone,

 

Im looking for a bit of advice regarding equita and birmingham city council.

 

I broke my leg and ankle in may, 2 operations later....

 

I owe birmingham city council £345.22. This was passed onto equita bailiffs. The first letter I received from equita, dated 8/11/2011... stated I owe £387.22 to birmingham city council. £42.50 was adding on just for sending out this letter.

 

The second letter dated 15/11/2011 had a big removal notice across the middle of it.

 

Yesterday 22/11/2011 - There was a hand deliver letter, from the "local area bailiff" with his contact details. When I rang him, the total owing had some how gone up to £582.

 

I had been away from my property the beginning of november, I have just got back to see all these 3 letters.

 

I've been on the phone to the council all morning and they are basically shrugging their shoulders. I dont want to pay the bailiffs because I'm not paying these ridiculous fees. I've asked the council to deal direct with them but they basically say its out of their hands.

 

Even though on their website, it clearly states, the maximum bailiffs can charge is £24.90 for the first visit and £18 for the second visit. (LINK: birmingham.gov.uk/cs/Satellite?c=Page&childpagename=SystemAdmin%2FCFPageLayout&cid=1223092602862&packedargs=website%3D4&pagename=BCC%2FCommon%2FWrapper%2FCFWrapper&rendermode=live] ).

 

I asking for your help on what to do next, because its basically illegal what they are doing.

 

The bailiff did say he would give me until the 5th of december (what happens after this)?

 

Sorry for such a long post

 

Thanks

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The first thing you need to know is that BCC outsourced their back office admin to a Company called Capita - therefore when you ring you don't actually speak to the Council. On top of that Capita also own 2 Bailiff Companies one of which happens to be Equita - I assume you see where this is going so won't explain any further.

 

The Bailiff cannot charge for posting letters to you - were the first 2 sent by Royal Mail? As you have found out he can charge for visits (a maximum of 2 only) where he fails to make a levy. It would appear from what you say he is also attempting to charge an enforcement or similar fee - certainly not allowed if he does not have a valid levy.

 

Send off for a breakdown of their fees to date, adapt this as you see fit and send initially by email followed by a copy in the post:

"From:

My Name

My Address

 

To:

Acme Bailiff Co

Bailiff House

 

Ref: Account No: 123456

 

Dear Sir

 

With reference to the above account, Can you please provide me with a breakdown of the charges.

 

This includes:

a - the time & date of any Bailiff action that incurred a Fee.

b - the reason for the fee.

c - the name(s) of the Bailiff(s) that attended on each occasion a Fee was charged.

d - the name(s) of the Court(s) the Bailiff(s) was/were Certificated at.

e - the date of the Certification.

 

This is not a Subject Access Request under the Data Protection Act S7 1998 so does not incur a fee of £10. You are obliged to provide this information.

 

I require this information within 14 days.

 

Yours faithfully

 

Ripped off customer"

 

You could of course contact your local Councillor(s) and advise them that their Contractors are attempting to claim for work not done. In the meantime you could ignore the Bailiff and pay the Council direct by online banking, Council website or automated phone. You will have to allow for lawful Bailiff fees however.

 

Whatever happens do not allow him access to your home.

 

PT

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Hi, thanks so much for the quick response.

 

The first 2 letters did come via royal mail.

 

The 3 was hand delivered. I wont be letting them into my property. I have no car they can take. All my windows will remain shut.

 

What do you mean by levy? is that when they take something or access the property?

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a levy is when they seize a car or you let them in and they list your goods on a walking posession

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Regardless of what your new best mate may tell there is actually no law that says you have to speak to or deal with a Bailiff - although I believe there is a perfectly good Anglo Saxon saying you can utter. Providing you do not allow him access to your home or prevent him seizing goods outside then he is absolutely powerless and can do nothing. Mind he wouldn't be the first to seize a car outside and claim he thinks it is yours but that can be dealt with if it happens. Have good read of some of the other threads to get a flavour of some of the tricks they try.

 

PT

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Thanks for the amazing help! Ive emailed the Chief Executive of Birmingham city council. To my surprise he has replied 2 hours later.

 

"I write to acknowledge your email of earlier today concerning the above.

 

I am investigating the issues you have raised and will return to you as soon as I can. "

 

Lets see what he says. The bailiff gave me till the 5th dec, do i just ignore them now?

 

 

Thanks once again guys.

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Just been on the phone to BCC. What a joke they are, they are basically saying they cant help me. Because the debt is now with equita. They also say that they have received my complaint, and it is being looked into, but the issue is still with equita.

 

Im willing to pay the lawful charges, but the ridiculous bailiff charges? NO CHANCE.

 

I have a good mind to contact birmingham mail.

 

Where do I do from here?

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Yesterday 22/11/2011 - There was a hand deliver letter, from the "local area bailiff" with his contact details. When I rang him, the total owing had some how gone up to £582.

 

phone the bailiff record the call and ask him to confirm the total amount outstanding fees charged the reason for each fee charged and the date of each fee charged

 

before you phone him make sure you have checked he is certificated to Equita

www.hmcourts-service.gov.uk/CertificatedBailiffs

 

when you get that post back

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I've just done a search. I searched for the bailiff name first. Nothing.

 

I then searched for equita, sorted through all the pages and the bailiff name doesnt appear there! infact, theres only a few from birmingham!

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Just been on the phone to BCC. What a joke they are, they are basically saying they cant help me. Because the debt is now with equita. They also say that they have received my complaint, and it is being looked into, but the issue is still with equita.

 

Im willing to pay the lawful charges, but the ridiculous bailiff charges? NO CHANCE.

 

I have a good mind to contact birmingham mail.

 

Where do I do from here?

 

As I said previously 9 times out of 10 you are speaking to an employee of Capita who own Equita. You will need to ask to speak to the Head of Revenues. Mind I suspect the only language he may know is Bailiff. Instead involve your local Counciloor(s) if they refuse or are reluctant then next step is Leader of the Council and his oppsite number.

 

PT

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Ive asked to speak to head of revenues and they said this is not possible. Well I just had an interesting calls with the bailiff.

 

I asked him to break down the charges and he said that there was an enforcement charge added on. When I questioned him about being a certified bailiff, he basically hung up.

 

I've already emailed the BCC chief executive. How would I find the leader of the council and his opposite number.

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The matter of Birmingham Council and the use of Equita Ltd has long been to subject of complaints on here. Birmingham Council use CAPITA LTD as a "back office" provider and strangely, it would appear that at each council that use CAPITA LTD their "preferred" bailiff provider is always EITHER Equita Ltd or Ross & Roberts.

 

CAPITA LTD own BOTH companies!!!

 

The concern with Equita has been surrounding the charging of an "enforcement fee" to an account at the very first visit when the statutory regulations provide ONLY that a charge of £24.50 can be applied for "attending to levy" (where no levy was made.

 

The statutory regulations DO NOT provide for an "enforcement fee" and in reality, this is really an "attending to remove fee". HOWEVER, the regulations as laid down by Parliament provide that in order to charge an "attending to levy" fee, there MUST first be a valid levy made on goods.

 

If a "valid levy" had been made, then once again, there is a legal obligation that the goods levied upon MUST be listed on a Notice of Seizure of Goods & Inventory.

 

Due to the extreme seriousness of charging this "enforcement fee" I will shortly be putting together a NEWSLETTER for Consumer Action Group on this subject and providing advice on who the debtor should do.

 

One suggestion is that letters should be sent to the Chief Execution and also to all COUNCILLORS. The local authority are wholly responsible for the fees charged by THEIR AGENTS.

 

PS: Currently, in the background I know of 7 similar complaints that have been made to the District Auditor of various local authorities !!!!!!!

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The matter of Birmingham Council and the use of Equita Ltd has long been to subject of complaints on here. Birmingham Council use CAPITA LTD as a "back office" provider and strangely, it would appear that at each council that use CAPITA LTD their "preferred" bailiff provider is always EITHER Equita Ltd or Ross & Roberts.

 

CAPITA LTD own BOTH companies!!!

 

The concern with Equita has been surrounding the charging of an "enforcement fee" to an account at the very first visit when the statutory regulations provide ONLY that a charge of £24.50 can be applied for "attending to levy" (where no levy was made.

 

The statutory regulations DO NOT provide for an "enforcement fee" and in reality, this is really an "attending to remove fee". HOWEVER, the regulations as laid down by Parliament provide that in order to charge an "attending to levy" fee, there MUST first be a valid levy made on goods.

 

If a "valid levy" had been made, then once again, there is a legal obligation that the goods levied upon MUST be listed on a Notice of Seizure of Goods & Inventory.

 

Due to the extreme seriousness of charging this "enforcement fee" I will shortly be putting together a NEWSLETTER for Consumer Action Group on this subject and providing advice on who the debtor should do.

 

One suggestion is that letters should be sent to the Chief Execution and also to all COUNCILLORS. The local authority are wholly responsible for the fees charged by THEIR AGENTS.

 

PS: Currently, in the background I know of 7 similar complaints that have been made to the District Auditor of various local authorities !!!!!!!

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tomtubby, any help in the meanwhile would be great. I seem to be getting nO where.

 

I spoke with BCC, who sent me to equita who sends me to the bailiff, who thinks he's right to add these charges. I also checked him out and it looks as if he isn't certified.

 

I've emailed local councilors and email the chief executive's office. They say they are looking into it and hope to get back to me by end of today.

 

There isn't much that needs looking into. I've even referred them to their own website (Birmingham.gov.uk) on there it states the £24.50 first visit £18 second visit.

 

I'm not even worried by these people now and if you're in the same boat as me, don't worry just keep payment Birmingham city council. Don't pay these thieves a penny.

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will be waiting with interest for that newsletter tomtubby. In my neck of the woods it is Excel that the council use, but Jacobs seem to be appearing also

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

Have we helped you ...?         Please Donate button to the Consumer Action Group

If you want advice on your thread please PM me a link to your thread

The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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