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    • I apologise if I was being unclear. Where it currently stands is that they will have it repair, placing scaffolding in our garden for 5 days. They have moved fast, but we will still have to postpone our contractors, meaning, we won't necessarily have the work done in time for the wedding and therefore will incur additional expenses for either a marquee or a wedding venue. They are vehemently against having any kind of liability in any regard but continue repeating that they are legally entitled to use our garden for their repairs (I believe this is true unless the work can be carried out using a cherry picker). The neighbour seems either indifferent or oblivious to the fact they can't reach all of the side of the roof from the space where they can place the scaffolding. They have asked their roofer of choice about using a cherry picker but the roofer has said it wasn't possible. It's not clear whether the roofer doesn't want to use a cherry picker or whether there is an issue with it. They have told us it is a problem that we are installing a gazebo as it will prevent them to access their roof from our garden in the future?!?  
    • Couldn't agree more, really wanted a true ruling on this just for the knowledge but pretty sure the Judge made some decisions today that he didn't need to?.. maybe they all go this way on the day? We hear back so few post court dates I'm not sure. Each Judge has some level of discretion. Their sol was another Junior not even working at their Firm, so couldn't speak directly for them! that was fortunate I think because if she would have rejected in court better, she might have  been able to force ruling, we are at that point!, everybody there!!, Judge basically said openly that he can see everything for Judgement!!!  but she just said "I can speak to the claimant and find out!" - creating the opportunity for me to accept. I really think the Judge did me a favor today by saying it without saying it. Knowing the rep for the sol couldn't really speak to the idea in the moment. Been to court twice in a fortnight, on both occasions heard 4 times with others and both of my claims, the clerk mention to one or both parties "Letting the Judge know if you want to have a quick chat with each other"! So, it appears there's an expectation of the court that there is one last attempt at settling before going through the door. So, not a Sol tactic, just Court process!. Judge was not happy we hadn't tried to settle outside! We couldn't because she went to the loo and the Judge called us in 10 minutes early! - another reason to stand down to allow that conv to happen. Stars aligned there for me I think. But yeh, if the sol themselves, or someone who can make decisions on the case were in court, I would have received a Judgement against today I think. She was an 'advocate'.. if I recall her intro to me correctly.. So verbal arguments can throw spanners in Court because Plinks dogs outsource their work and send a Junior advocate.
    • that was a good saving on an £8k debt dx
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    • "We suffer more in imagination than in reality" - really pleased this all happened. Settled by TO, full amount save as to costs and without interest claimed. I consider this a success but feel free to move this thread to wherever it's appropriate. I say it's a success because when I started this journey I was in a position of looking to pay interest on all these accounts, allowing them to default stopped that and so even though I am paying the full amount, it is without a doubt reduced from my position 3 years ago and I feel knowing this outcome was possible, happy to gotten this far, defended myself in person and left with a loan with terms I could only dream of, written into law as interest free! I will make better decisions in the future on other accounts, knowing key stages of this whole process. We had the opportunity to speak in court, Judge (feels like just before a ruling) was clear in such that he 'had all the relevant paperwork to make a judgement'. He wasn't pleased I hadn't settled before Court.. but then stated due to WS and verbal arguments on why I haven't settled, from my WS conclusion as follows: "11. The Defendant was not given ample evidence to prove the debt and therefore was not required to enter settlement negotiations. Should the debt be proved in the future, the Defendant is willing to enter such negotiations with the Claimant. "  He offered to stand down the case to give us chance to settle and that that was for my benefit specifically - their Sols didn't want to, he asked me whether I wanted to proceed to judgement or be given the opportunity to settle. Naturally, I snapped his hand off and we entered negotiations (took about 45 minutes). He added I should get legal advice for matters such as these. They were unwilling to agree to a TO unless it was full amount claimed, plus costs, plus interest. Which I rejected as I felt that was unfair in light of the circumstances and the judges comments, I then countered with full amount minus all costs and interest over 84 months. They accepted that. I believe the Judge wouldn't have been happy if they didn't accept a payment plan for the full amount, at this late stage. The judge was very impressed by my articulate defence and WS (Thanks CAG!) he respected that I was wiling to engage with the process but commented only I  can know whether this debt is mine, but stated that Civil cases were based on balance of probabilities, not without shadow of a doubt, and all he needs to determine is whether the account existed. Verbal arguments aside; he has enough evidence in paperwork for that. He clarified that a copy of a DN and NOA is sufficient proof based on balance of probabilities that they were served. I still disagree, but hey, I'm just me.. It's definitely not strict proof as basically I have to prove the negative (I didn't receive them/they were not served), which is impossible. Overall, a great result I think! BT  
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equita baliffs nightmare please help....


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Hi everyone

 

Im new to this site so please bear with me :)........

 

Ok i first received a letter off Equita back in November 2011 for unpaid council tax, i rang them and made payment arrangment, they told me i had two seperate accounts and i agreed to pay 20 pounds on each every 30 days, i was few days late with one payment so they cancelled my arrangment and asked me to pay 80 pounds before they would set up another i paid the 80 and they set up, anyway since then i havent paid anything as im currently off work as im pregnant and have SPD. I recieved a letter today saying 'notice of removal' it says the baliff is it the area and shall be calling to sezie goods. I contacted to company straight away and they told me i had to speak to the baliff direct i was put through to him and he demand the full payment of one of the accounts (543 pounds) the other account (704 pounds) he would be willing to set arrangment up. I explained my situation but wasnt at all bothered and said to ring back friday to see what ive come up with!! In the meantime i rang the council and was told they wouldnt take the accounts back i was to keep trying with the baliff, i also rang citizens advice they just said not to let them in etc. In a last attempt to try and resolve the matter i rang the baliff back and said i could only pay 150 pounds by friday and could i pay the rest the following month he said the reminder of the 543 would have to paid in 14days?? The conversation ended by him saying have a look at it and see what else you can do. This is really stressing me out i have two kids already and pregnant with my third, i would appreciate any advice, also im not even 100% sure that is all council tax may be some charges i dont know, would i be able to pay the council direct even though i havent got an arrangment with them. Any help woud be much appericiated:-(

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Stay off phone to bailiffs

 

Any further payments direct to council

 

Has the bailiffs previously gained peaceful entry have they a levy on anything

 

Pregnant fall into vulnerable category bailiff action should stop

 

inform council of your situation and bailiffs

If i have helped in any way hit my star.

any advice given is based on experience and learnt from this site :-)

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hi thanks for replying...... No the baliff hasnt gained peaceful entry and when i rang council they said they hadnt got a levy on anything. I didnt mention i was 5 months pregnant to the council, I did mention to the baliff that i was pregnant but he wasnt bothered, he said he had a liability order and i had to pay the 543 in full. What should i do shall i contact the council again? thanks again

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Contact council and tell them about your situation, they have to take debt back as you classed as vulnerable person. DO NOT RING the bailiff. out of interest what council is it? if its revenue is outsourced to Capita you may have trouble (you might not) as Capita own Equita Bailiffs. if you do have problems post back here and we will advise further and the bailiff doesnt have a van round he corner to seize your goods. also did he do a levy on goods if so can you list what goods he listed.

I know my rights Mr DCA I'm with the CAG......hello hello where you gone Mr DCA8)

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ahhhh answered my question. before i posted. No longer speak to bailiff and if he comes round dont speak to him just ignore him.

I know my rights Mr DCA I'm with the CAG......hello hello where you gone Mr DCA8)

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If you phone council they normally say nothing to do with us now and to contact the bailiffs

 

You may have to write email council if phone call fails

 

Pay what you can when you can to council

 

If the bailiffs are un able to collect the debt they will hand it back to the council given time

 

If bailiffs re attend do not sigh anything EVER from a bailiff

 

if you have a car keep it away from property so they not able to levy on it

 

If need be ignore door they soon go away!!

 

He does have a liability order but deny him access to property or levy on anything not a lot they can do

If i have helped in any way hit my star.

any advice given is based on experience and learnt from this site :-)

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Thanks alot for advice, i will definatily not be contacting the baliff again now, i will ring the council and make payment direct to them and tell them of my situation being pregnant, Do i tell them that the baliff action is to stop? Its Bolton council, what do you know about these? hope i don't have trouble!! No levy has been done so no items listed. We have a car but its in my partners name can the baliff do anything as the debts in my name.

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They will try to levy on any car just to bump fees up!!

 

Keep car away for now(if you have finance or hp on it you are safe as long as you can prove it as they not able to levy on it if so)

 

The council should know about vulnerable category,i bet you have to remind them!

 

If council refuse to take payment do it on automated service!

If i have helped in any way hit my star.

any advice given is based on experience and learnt from this site :-)

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No the car is paid for its hard to keep it away but i will try, i read that some baliffs can contact dvla for reg number etc? I will remind the council of the vunerable category and ask to make payment to them, if they refuse i shall use the automated service or pay online, shall i send any letters to equita telling them my intentions?

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To claim you are vulnerable you must back up the claim by providing proof. This may be in the form of a letter from your GP - probably chargeable - or from your midwife. The proof must be provided to both Council & Bailiffs - quickest way is to scan and email backed up by a hard copy in the post.

 

PT

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Thanks for all your help, I shall contact the council again and if need be i shall provide proof of my pregnancy, what action do i take if i get any other letters from equita baliffs?

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ignore it

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Anfd film him/her from an upstairs window, to record any outrageous threats. they cannot break in bring locksmiths, cart you off to jjail, so if they are spouting tripe like that, the film is evidence for your Formal Complaint,, when they continue harassing a vulnerable person.

We could do with some help from you.

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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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Thank you brassnecked I shall keep that in mind if the bailiff does happen to call, he has mostly said threats over the phone saying if i dont pay the full 543 he will come with a van and sezie goods, but there isnt a levy in place??? I will see what the council office says when i ring them later, as i didnt mention it yesterday, i didnt think it would make much difference how wrong am i!! What would the council do if the case is eventually passed back to them? If i keep making automated payments to them will this go in my favour and pervent further action?

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if its passed back to council they will probably contact you to get payment, and if you have been paying them regular amounts at regular times it goes well for you with them setting up repayment plan as you can show a record of payments. if bailiff shows up dont hesitate to get on here but just dont talk to them

I know my rights Mr DCA I'm with the CAG......hello hello where you gone Mr DCA8)

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