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    • In my experience (not with car payments) but with many other things, my partner has been ill and signed off in the past and we have been unable to meet various commitments.  Naturally if you ring the call centre they are going to fob you off and tell you you must pay, that's why that never ever works. I would obtain a note from her GP listing all her health issues plus medications plus side effects, then write to the finance company with a copy of it, explaining the situation, as you have here, asking for a payment holiday. Perhaps mention that the car is very much needed for hospital appointments etc. It's likely the finance company would rather you pay till term end than, chase you for money they will never see, and sell the car at auction for a loss,  You can search some of my threads going back years, advising people to do this for Council Tax, Tax Credits, HMRC, Even a solicitors company and it always works, because contrary to popular belief people are reasonable.
    • Sorry, I haven't ever seen one of these agreements. Read it all and look out for anything that says when she can withdraw and when she is committed to go ahead. If it isn't clear she may need to call the housing provider and simply say what you posted here, she doesn't want to go ahead and how does she withdraw her swap application?
    • Thank you! Your head is like a power bank of knowledge.  Her health issues are short term, due to a relationship breakdown she took it pretty hard and has been signed off work on medication for 3 months. She only started her job in February 24 so does not qualify for any occupational sick benefits, which is where the ssp only comes in. (You will see me posting a few things over the coming days, whilst I try and sort some things for her)  I sat with her last night relaying all this back and she does want to work out a plan, she was ready to propose £100 for the next 3 months and then an additional £70 per month onto of her contractual to "catch up" but Money247 rejecting the payment holiday and demanding £200 thew her, which is why I came on here.   
    • I've looked at your case specifically more.   Term 8bii reads " when, in accordance with instructions from the Customer or the Consignee, the Consignment is left in a safe place" Their terms choose to not define safe, so they are put to proof that the location is safe. If your property opens onto a street its a simple thing of putting a google earth image and pointing out that its not a safe place
    • New rules and higher rates resulted in a jump in the number of savers opening accounts at the start of this year's Isa season.View the full article
  • 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
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Community Charge

 

The council should not go to the magistrates court and ask for a liability order for community charge (poll tax) if the community charge was due more than six years before the liability order hearing. This means that the council can only pursue you for outstanding community charge if they got a liability order within 6 years of April 1993 at the latest. This rule is outlined in Regulation 29 of the Community Charge (Administration and Enforcement) Regs. 1989 (as amended 1991).

In practice the Council may go to Court and ask for a Liability Order for a Council Tax or Community Charge (Poll Tax) debt which is more than 6 years old. They will get it unless you put forward a Limitation defence at the hearing.

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  • 1 month later...

Think you need help from Citizens Advice.

 

I think unfortunately, however wrong we may think this is, that once they had the LO (even though no evidence is now held), that they can pursue for as long as they like. There is no legislation in force that helps you, as far as I can see.

 

But check with Citizens Advice and if you have to pay, see if you can come to an arrangement.

 

Once you are aware of the situation, suggest that you raise the subject with your local MP. I don't think they will be happy that people are being pursued for a 22 year old debt.

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I wonder what the council would say if you said that you had informed them of your new address every time you moved and that as far you were concerned, you receive no notice of any payment still being outstanding.

 

Tell them that you are quite prepared for them to request committal proceedings in front of magistrates, where you would like to bring this matter to their attention. ( Get legal advice before you do this, as I would hate for you to be sent to prison).

 

I had just read a document from the law society in 2003, where is discussed some of these issues and it basically said that the community charge payer had very few rights and the councils could do pretty much what they wanted. They were issuing liability orders before peoples benefit claims were decided. The ombudsman got involved in one such case and found the council guilty of maladministration, after someone had committed suicide due to demands from the council for payment which could not be made.

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Fair-parking

 

That was a county court, where Judges could do that. When legislation was passed regarding community charge actions, they allowed these to be dealt with by magistrates. The magistrates were given very few reasons not to grant a liability order and it became a rubber stamping exercise. With a LO, you only have 14 days to go back to a magistrate to ask for a set aside. After that you have to go to the high court and ask for a judicial review which I expect would be really expensive.

 

There is nothing in the relevant legislation preventing a local authority continuing collection of the charge, based on a LO that is noted on their records. They don't have to have an actual copy. This is not in the legislation. The only thing that the OP can do, is cast doubt on the community charge still being outstanding after all these years. They may wish to involve their local MP to see if there is anything they can do. The MP might be able to make enquiries about what the OP can do and write to the local authority on their behalf. That is the only way I can see of putting a halt to collection.

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At which point FP surely the council could produce the alleged records on request from a magistrate or judge, to back up their fairy tale?

 

Only in front of a judge, but then you would be having a judicial review of the matter, which is going to be more expensive than the OP can afford.

 

Magistrates will not look into this, unless it gets to a committal hearing. The council would just evidence from their records that they applied for the LO and they have attempted to collect the debt over the years without payment. I read a long paper that appeared in the law society in 2003 and it was quite shocking to read, that councils appear to hold all the cards. The legislation did not provide much in the way of contesting how the way councils behaved.

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What is very worrying here is that without any doubt....your account will not be the only "vintage account" that Liverpool City Council would have re-opened and passed to their bailiff provider.

 

I have a friend who works in the Ombudsman's office and I will call her on Monday about this scenario.

 

Councils are struggling for money, so they are obviously going through very old accounts to see what they can find.

 

Is there such a thing as a 'super complaint' to the LGO, where they can be made to look into this and stop such old collections until it has had relevant review ? Perhaps ask your friend about the process for urgent reviews and who can ask for these.

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Guardian article. http://www.guardian.co.uk/society/1999/apr/14/guardiansocietysupplement4

 

In the OP's case the liability order was apparently obtained within the 6 year period, so can be chased for as long as the council like. It has not been written off, as far as the council are concerned. What legislation or case laws cite that a copy of the LO has to be provided to allow enforcement to continue icon5.png

 

This article from 31/5/03 by Alan Murdie in the Justice of the peace is worth a read through.

 

http://z2k.org/wp-content/uploads/2011/11/council-tax-liability-order-hearing_justice-of-the-peace-310503_AM.pdf

 

My research says that this debt is enforceable and lack of a copy of the liability order from 1992 may not stop bailiffs being employed. Suggest that the OP makes a complaint about the council not being able to evidence the liability order and suggests that the council allow an urgent complaint to the LGO to go ahead.

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The OP should contact Citizens Advice in Liverpool as they have been dealing with the council in regard to these old Community charge cases for a ling time.

 

Here is a CAB report from 2008.

 

http://www.northliverpoolcab.co.uk/In%20Distress%20Bailiff%20Report.pdf

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"It has not been written off, as far as the council are concerned." But what does their accounting say ? that would be a fact rather than an opinion of the council. they may not have written them off, we don't know. Has to worth looking in case they have in fact written them off.

 

The OP says the council and various companies have been chasing this for years in one of their posts.

 

I have been reading up on this and Liverpool council have been issuing thousands of these demands for payment of very old community charges. This has been going on for the last few years. They were even chasing in one case, where the amount had been remitted/written off by a court.

 

The OP should definitely challenge this and I would advise that they get help from CAB, plus the MP if need be to help with this.

 

You raise an interesting point regarding 'accounting', but I think the council will say that they have a public interest duty to chase for all debts that had not been paid, whether or not they had been written off previous as bad and doubtful debts on any accounts.

We could do with some help from you.

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According to online reports Gaults & Co were accused in 2000 about some missing monies that they had collected on behalf of councils. There are no further reports online about this, so appears that the matter was not taken any further.

 

Cannot find any court ruling that helps with community charge arrears.

We could do with some help from you.

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If I were the OP, I would write back to the council saying that they had no intention of making any payment at this late stage and that they would like the LGO to review the matter.

We could do with some help from you.

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Yes you have to exhaust the councils complaints process, before the LGO will get involved.

 

As well as your MP, also get Citizens Advice involved, as they were investigating this issue with Liverpool council a few years back.

We could do with some help from you.

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