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    • That is great news. Many people would have given up and paid after losing two appeals so well done for hanging in and fighting. It has paid off and they have finally backed down before getting whipped in Court. I looked at your NTD and your NTK again to see if there was a chance of going for a breach of your GDPR. Sadly although your NTK on its own could have well deserved a claim, the NTD is good enough not to warrant a claim even though it wasn;t compliant with PoFA. As it is the first Notice that mostly accounts for  GDPR breaches there is a reasonable cause for the NTD to have been issued. However you are now freed from worries about appearing in Court and you have learnt about the dangers of parking especially where the rogues that patrol private parking spaces are concerned. Thank you for making a donation and should you fall victim in the future to the parking rogues or anything else that we protect from, you are always welcome .
    • Hi guys I'm about to submit the defence as per below     There has been no reply to our CPR 31:14 request.  Is it worth adding that I (driver, not registered keeper) didn't actually enter or park in the car park and was sat at the petrol station forecourt the entire time?  Or is that covered by the simple points?   Thanks
    • a DCA is not a bailiff and cant enforce anything, even if they've been to court who are they please? sar to the original creditor FIO isnt applicable they are not a public body. who was this query sent too all the more reason to teach her young upon how these powerless DCA's monsters  work... she must stop payments now  
    • Unsettling the applecart?,  I'm going to be direct here, I know how this works , I've been in far worse situation than your relative, and I can assure you , now that there i likely a default in her name, it makes absolutely ZERO difference if she pays or not. Denzel Washington in the Equalizer , 'My only regret is that I can't kill you twice'... It's the same with a default, they can only do it once and it stays on your credit file for 6 years if she pays or not, and as it stands right now she's flushing £180 of her hard earned money down the toilet  so that the chaps at Lowell can afford a Christmas party. As for the SAR this is everybody's legal right, originally under the Data Protection act 1998 and now under GDPR, it's her right to find out everything that the original Creditor has on her file, and by not doing it the only person she is doing a massive disservice to is her self. As the father of 2 young adults myself, they need to learn at some point.. right?
    • Thank you for your pointers - much appreciated. dx100uk - Apologies, my request wasn't for super urgent advice and I have limited online access due to my long working hours and caring obligations - the delay in my response doesn't arise in any way from disrespect or ingratitude. I will speak to her at the weekend and see if she will open up a bit more about this, and allow me to submit the subject access request you advise - the original creditor is 118 118 loans and from the letter I saw (which prompted the conversation and the information) the debt collection agency had bought the debt from 118 and were threatening enforcement which is when she has made a payment arrangement with them for an amount of £180 per month. It looks as if she queried matters at the time (so I wonder if I might with the FIO request get access to their investigation file?) - the letter they wrote said "The information that you provided has been carefully considered and reviewed. After all relevant enquiries were made it has been confirmed that there is not enough evidence present to conclusively prove that this application was fraudulent.  However, we have removed the interest as a gesture of goodwill. As a result of the findings, you will be held liable for the capital amount on the loan on the basis of the information found during the investigation and you will be pursued for repayment of the loan agreement executed on 2.11.2022 in accordance with Consumer Credit Act 1974"  The amount at that time was over £3600 in arrears, as no payments had been made on it since inception and I think she only found out about it when a default notice came in paper form. I'm a little reluctant to advise her to just stop paying, and would like to be able to form a view in relation to her position and options before unsetting the applecart - do you think this is reasonable? She is young and inexperienced with these things and getting into this situation has brought about a lot of shame regarding inability to sort things out/stand up for herself, which is one of the reasons I have only found out about this considerably later Thank you once again for your advice - it is very much appreciated.    
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Liability for council tax - living together or not?


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I thank you in advance for any advice. I can't seem to find any info dealing with this. CAB are about as useful as a wax cooker.

 

I will leave out place names - so i can't be identified.

 

I am a full time student in X council. I rent a flat as somewhere to sleep on the days I have lectures. I also have a home in Y council. I am married. The X council asked me to tell them who is resident at my flat in X council. I said, I am married, my wife will visit me, what does 'resident' mean? how many days can my wife stay before being classed as resident? They didn't answer and just decided that my wife is therefore resident. They promptly sent a bill giving me the 25% discount for being a student but said my wife must pay because they assume my wife must be resident.

 

My wife is unemployed, although, we pay council tax in Y council, as we are too lazy to claim for council tax credit. But, paying in 2 councils was a bit much, so we assumed that if the council charges council tax for my wife in council X, then it can also give council tax credit. The council tax credit was refused because my wife couldn't prove she is resident at the flat in X council. Well Duh! we told the council she isn't - they said they assume she is.

 

So, now they say, that 'oooo your wife is most definitely resident because she said she was, in this application for council tax credit' - ignoring of course that it was refused on the grounds she cannot prove she is resident!

 

Basically, apologies for the long post. But what is the legal basis for this? can the council charge me council tax purely because i am married? they have said i need to prove that my wife is not resident here. but i am not really sure how to do that. (they won't provide a definition of what residence means)

 

i understand that as the leaseholder i need to pay council tax (but of course i am a full-time student so am entitled to pay no council tax)

 

who is in the right here? do i really have to pay council tax for myself and my wife in both councils? seems a bit harsh. they talk about the 'main address' and the flat is neither mine nor my wife's main address in many respects. our belongings are at our main address in Y council, our bank statements go there, we do everything there. the flat is purely a crash pad for a few weeks during term time.

 

any idea how to approach the council. i feel a bit insain repeating the same thing to them and getting the same moronic response.

 

 

 

thanks again!

 

if i just ignore the council tax letters what will they do? will i get taken to court? how will a court view what i have written here?

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  • 2 months later...

Hi, hope I can help you a bit. You will usually pay Council Tax on the property which is your & your wife's "sole or main residence", theres no exact definition but previous court cases have given general guidance things which should be taken account include where you spend most of your time, security of tenure, intention to return, where your registered to vote, where your doctor is, where your mail goes, etc. Which from what you've said is at the property in Council Y, where you should have a 25% discount as a student.

 

The property in Council X would then be your second home. I'm not completely certain by you should get the 'Class N' student household exemption at the property, if not then a discount between 50% to 0% depending on the council for furnished second homes.

 

If you ignore their letters they will assume your not contesting the liability and expect you to pay. You'll only get taken to court if you fail to pay the instalments.

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  • 8 months later...

Be careful because what the council will do is think you are both resident at your main address in council Y and charge you upto 100% for an empty property in council X. You'll end up paying in full twice.

 

Bonkers I know - basically means every student in the land doesn't actually live at their student address (because it arguably isn't permanent enough), should claim their student discount at their parents' address and pay upto 100% for an empty property where their university is.

 

Would be interesting to read what happened?

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Based upon the information, you have supplied, it appears that: -

 

  1. Y is the main residence for both you and your wife
  2. You would be entitled to 25% discount on Y assuming no other adults resident
  3. You or your wife may be entitled to Council Tax Benefit for Y as a couple - depending upon your income
  4. X is a second home
  5. You would be entitled to second home discount on X - the amount of discount for second homes varies from Council to Council - and can range between 0% and 50%
  6. You would not be eligible for Council Tax Benefit for X

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just realised this thread is nearly 12 months old - god knows why it has been resurrected

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