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    • is it voda that's put it back up or is it a debt buyer/dca? that bought the debt.? but no it should not be showing dx  
    • Hello, Im here in regards to a vodafone account from 2015. No payments made on the said vodafone from August 2015 Default Date 12th Dec 2015 . was left sat there untill it dropped off my credit file & thought no more of it . it did eventually drop off my credit file . all done & dusted & had no need to worry about my credit file. as if Vodafone would have written i would have sent them the SB letter.   so fast foward to yesterday 13/06/24 logged in to see my credit file & Bam vodafone appears same amount , same dates only thing that is different is instead of saying default its now on there as Delinquent !!! now my understanding was once a default drops from a credit file it cant be put back on or am i wrong ? so moving forward how would i deal with this ?   any help and advice would be great thank .   BTW i know the default date as back in 2019 i printed my credit report off , on that said report that i fished out today it gives me the default date , status history & Balance history.      
    • US signs ‘Israel style’ 10-year security deal with Ukraine INEWS.CO.UK It comes after G7 nations agreed to free up $50bn from Russia's frozen assets into a revenue stream for Ukraine  
    • Air regulators are investigating new issues with Boeing planes.View the full article
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    • 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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last november got caught driving in a bus lane and got a bill to pay which i appealed against..following satnav strange town bad weather which got refused

 

being on benefits unable to make payment

 

equita certified bailiffs then involved by post agreed £15 week payment which i said at the time i couldnt manage but had no other options

 

bailiff called other day, put sticker on my car which is a motability vehicle, i didnt read the sticker as he later removed it before i did

 

he want £379.84 by monday 4pm as he said he will remove car and goods to the value of debt

 

he gave me a letter saying

 

final notice

 

 

delivered by hand

 

i called at your home today to execute a warrant issued by northampton county court £379.84

 

i am authorised by the court under the enforcement of road traffic debts certified baliffs regs 1993 amendements 2003 to remove your vehicle household effects to satisfy your unpaid penalty charge notie due to bath ad north east somerset council

 

if you fail to contact mme withing 24 hours i will have no alternative but to reattend your property at any hour of the day or night to impound your vehicle/remove goods

 

this will result in substantial extra costs of at least £140 being payable

 

to avoid any further action bailiff cost please contact my mobile

 

 

etc

 

 

he said he hadnt put a clamp on car but had already put sticker on before he knocked on door.

 

i didnt let him in and remained at door with door closed

 

i rang council and they said get a financial statement from cab which i cant get before monday and they wont halt action in meantime

 

 

rang bailiff and he said all i can do is pay and appeal later

 

 

income from

 

incapacity benefit for self

income support for self partner

dla for self and partner

ctc fam allowance for sun

 

partner is a vunerable adult due to mental health problems

 

 

do i have any rights is there anything i can do

 

i have mentioned mental health of partner to council and bailiff and that it would be upsetting for partner and bad for his health but council said it would only consider my health not my partners and bailiff said all he can suggest is to pay it....

 

 

help please

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I have asked this to be moved to the bailiff forum

 

don't worry about your car the bailiff cant take it or clamp it its a mobility vehicle

 

you do not have to let them into your home to levy remove goods

 

this should go back to council its nothing to do with who is vulnerable in the family its the family thats vulnerable not the person

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i said this to the council and they said this doesnt matter my debt etc it would really upset other half and cause him distress

 

bailiff said it wouldnt look good to motobility if i had the car clamped etc

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the bailiff also actually noted that he had seen the disabled tax disc

 

i am worried sick !!

 

does the vunerablilty cover the family /household? i asked the council to call back the debt and they have refused i need to know what to do as i have to ring him by monday

 

i found him mildly threatening and scary by the way he said it wouldnt look good to motability and could prevent me getting another car through them

 

i rely on the car..

thanks for any help

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He can't take your car no matter what he says. He also will not be telling Motability anything either - he is trying this as a lever to get you to pay. If there is one person in the household who is classed as vulnerable then this also covers everyone else, both Council and Bailiffs need to be reminded of their responsibilities under the National Standards for Enforcement Agents. There is nothing that says you have to deal with or speak to the Bailiff and if you ignore him long enough all he can do is to return this to the Council. Whatever else happens do not allow him entry to your home.

 

You should write a letter to both Council & Bailiffs about your vulnerability issues. Also contacting your local Councillor(s) may be a good step.

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If he did clamp or try to take the car, as it is on Motability as he knows it is it would be classed as theft of a motor vehicle, as PT says there is no law that says you have to even speak with a bailiff, so keep him out he cannot levy the car and he knows it

We could do with some help from you.

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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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thanks all

 

can he not get the police

 

I am just worried that if he keeps calling that it will cause my partner great anxiety and stress and upset

 

can i stop him calling

 

I have his mobile number and until 4pm monday to sort the matter out

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He can't get the police there to arrest you per se, as police are there merely to keep the peace, Contact your councillor and MP stating the bailiff is ignoring the guidelines on vulnerability, and threatening to take a leased Motability car

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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Hi debra66, just to expand on what you've been advised:

 

Here is the link to the National Standards for Enforcement Agents 2012. Have a read through, it's quite straightforward. This is what the bailiffs should abide by.

 

Equita are members of the Civil Enforcement Association. Click here for there Code of Practice. You will see it mirrors the National Standards. Therefore Equita cannot deny they know your case should go back to the council.

 

Write to the Head of Revenues explaining why you and your household are vulnerable under the National Standards. Include copies of your households benefits, any relevant GP, Hospital or other NHS correspondence and, if appropriate, a copy of recent prescriptions. Request that the debt is taken back by the council etc. Mark the envelope 'private and confidential' and address to the Head of Revenues by name. Send signed for.

 

Copy the lot to the bailiffs with an appropriate covering letter. Send signed for again.

 

If the response is negative, write a Formal Complaint to the council CEO...

 

I believe - but am not 100% - under certain circumstances direct or third party deductions can be made from Incapacity Benefit. It is worth exploring this and, if so, request that this is the way the debt should be repaid. It's in the region of £3.50 per week ...

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thanks have read the standards and along with everything else he also threatened me with something that wasnt true ie he told me he would clamp and take the car even though he knew he couldnt cos it is a motability car.

 

i have the email address of the council/bailiffs so will scan and email all the relevant documentation today and ring up first thing monday so they can hunt it out and check it, i will also send it them and equita etc by recorded mail

 

if i had the money to pay i would have paid i accepted that i did wrong i tried to make an arrangement of an affordable amount per week in the first place which they wouldnt accept

 

the local authority said i would also need financial statement from cab they dont accept it from anyone else but cos of cutbacks the local cab has a waiting list for appointments of 2 weeks

 

 

all in all everyone concerned seems to be being unreasonable

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Out of interest, which council is this?

Also, bear in mind that some council's have hived off their office services to an outsourcing company that just happens to own Equita. Therefore you may not be getting the advice you would hope for from the council. Hence everything should be in writing with a trail that can be used at a later date if necessary ...

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