Jump to content


  • Tweets

  • Posts

    • So do I gather that you are out of pocket to the tune of £2500 which is part of the purchase price and a further £1800 in respect of the warranty? The £2500 was used to buy the car. Did warranties200 per year or did they pay big motoring world directly?
    • Farage has agreed to be interviewed by Nick Robinson on Panorama. 7pm this Friday, BBC1. He didn't do very well last time he was questioned on specific policies.
    • I did what I told my husband not to do…and I telephoned them. All credit where it’s due, the lady on the phone was very helpful. I’m not gonna lie I broke down on the phone as this has been incredibly stressful. Perhaps that helped, but I would like to think they just realised they sold us a faulty car.    so we only bought one extended warranty and that was with Nissan. The car salesman gave us the hard sell and we fell for 100%! Part of the sell was if there was ever a problem then we would only ever take the car to a Nissan garage. There was a problem after a few days and we were instructed to go to a third party grange! We contacted Nissan on the phone and they said they would put on a complaint for us so maybe that helped too.    we just want to try and get all of our spend back now. The deposit, money for the finance and money for the extended warranty. I reload we will probably have to pay costs but I guess we can’t argue with that. We just need a new car!!!! Aaarrgghhhh!    thanks so much for your help once again. 
    • Right I see I didn't realise it had to be laid out like that. I have had another go, sorry I'm really struggling here! 1.The Defendant contends that the particulars of claim are vague and generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made. 2. The claimant has thus far been unable to produce any evidence that the alleged debt has been legally assigned to them. Nor have they been able to provide evidence that notice of assignment was given to the defendant on the dates stated in the particulars of their claim. 3. The claimant has given no details as to the breakdown of their claim or what dates it relates to. As a result the defendant is unable to specifically defend the claim until the claimant can show how the amount has been reached. In the claimants particulars of claim, the claimant openly admits that they have a copy of the agreement and its terms and conditions but have failed to provide these to the defendant. Pursuant to the civil procedure rules Practice Direction 16 (7.3) Where a claim is based upon a  written agreement: (1) a copy of the contract or documents constituting the agreement should be attached to or served with the particulars of claim and the original(s)  should be available at  the hearing. With the court’s permission the Claimant is put to strict proof to:- a) show and disclose how the Defendant has entered into an agreement; b) show and disclose how the Claimant has reached the amount claimed ; c) show how the Claimant has the legal right, either under statute or equity to issue a claim; 4. As per Civil Procedure Rule 16.5 (4) it is expected that the Claimant prove the allegation that the money is owed. 5. It is therefore denied that the defendant is indebted to the claimant as alleged or at all.
  • Our picks

    • If you are buying a used car – you need to read this survival guide.
        • Like
      • 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
        • Like
      • 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
        • Like
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4316 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

hi all, excellent forum

 

apologies for a new thread, have read through a lot and not really any clearer

 

i have quite a bit of council tax owing, just shy of £3k although that probably includes a lot of bailiff's charges etc

 

i was paying 120/month to bailiffs until i lost my job in february at which point i stopped

 

am now being chased by a new set of bailiffs, i called them on monday to explain that i am still unemployed and to try and set up a new payment plan

 

the woman i spoke to said the bailiffs would have to come round and levy (?) my goods before they could discuss a payment plan

 

she said i had until thursday to call them back and agree to this, i've never heard of this procedure, is she correct ?

 

any advice greatly appreciated, i have a wife and kids here and i really dont want to live in fear of a knock at the door and strangers wandering in to take the telly away

 

many thanks

Link to post
Share on other sites

Do NOT let the bailiff into your home. They do not need to levy on goods before agreeing to a payment plan - they say this to scare you into paying them. You can make payments direct to the council online if you need to. Which council is it? Did the council write to you to tell you they were instructing bailiffs or give you an opportunity to come to an arrangement with them before they sent to bailiffs?

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

Link to post
Share on other sites

thanks, thought it seemed odd

 

its croydon council, i dont remember them telling me they would instruct bailiffs although it is possible if i'm honest. i'm sure i have lapsed payment plans with them in the past

Link to post
Share on other sites

Which bailiff company is it?

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

Link to post
Share on other sites

Whatever you do DO NOT let a bailiff into your home to do a levy, it allows them to open a whole new world of fees they can add to your account. there is no law that says you have to deal with a bailiff.

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!

Link to post
Share on other sites

The very first thing that you need to do is to clal the council and obtain confirmation of the amount of the Liability Order.

 

Did the previous bailiff ever come into your home. If so, what goods were levied upon?

 

Has the bailiff ever levied upon a car?

 

Can you get details of what charges have been applied.

Link to post
Share on other sites

thanks

 

no, a bailiff has never entered my home, previously i have just set up payment plans with them

 

i will contact the council today and clarify what i owe them, do i not have to pay all the extra charges then ?

Link to post
Share on other sites

If a levy has not been made upon goods then the fees that can be charged are severely limited to a MAXIMUM of £42.50. This fee represent the maximum two visits for "attending to levy" (where no levy was made).

 

Please post back one you have received details of the amount of the Liability Order. It would also assist if you call the bailiff company ( before posting back here) to ask them if any fees have been applied to your account !!

Link to post
Share on other sites

Please be aware that any certificated bailiff company holding an OFT Debt Collection Licence is required to comply with OFT Debt Collection Guidelines as well as all other legislation relating to their work. Non-compliance with the Guidelines is regarded as a breach of the conditions of the licence and can lead to restrictions being imposed or the licence being revoked or its renewal refused. Refusing payment plans proposed by the debtor, attempting to put the debtor into even further debt or making or attempting to make the debtor pay amounts they cannot afford is a breach of the Guidelines and, consequently, a breach of Licence. OFT Credit Fitness Team is already investigating a number of serious complaints against certificated bailiff companies. Any unacceptable conduct by certificated bailiffs, regardless of who they are acting on behalf of, should be reported to OFT and Trading Standards, as opposed to submitting a Form 4 complaint. As Tomtubby has said on other threads, Form 4 complaints are for serious misconduct by bailiffs.

Link to post
Share on other sites

I would concur wil oldbill on this one as financial wrongdoings are best handled by getting them investigated by people, v like the OFT who can close them down, whilst Form 4 is reserved for the extremes where they lie to police assault a debtor, and force entry, then claim victimhood themselves, when the debtor defends themselves and other associated shenanigans.

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!

Link to post
Share on other sites

  • 3 weeks later...

update

 

i seem to be owing council tax for 5 different periods, totalling £2840.38, i am not querying this

 

whyte & co therefore send me 5 different sets of letters each time, current costs stand at £212.50 plus levy fees of £211 despite them never having put a levy on any goods, this can't be correct ?

 

i have had several letters from them, the latest saying the liability order would be returned "nulla bona" which may lead to an application for my committal to prison

 

i also emailed them saying i was willing to set up a repayment schedule and received this response

 

We are willing to set up a repayment schedule with you but only on the basis that we first secure the debt and enter into a walking possession agreement.

Contact us urgently to arrange a levy appointment.

 

any advice on my next step greatly appreciated

 

thanks again

Link to post
Share on other sites

We are willing to set up a repayment schedule with you but only on the basis that we first secure the debt and enter into a walking possession agreement.

Contact us urgently to arrange a levy appointment.

 

I don't see what choice the council has in the matter. The council is obliged to accept whatever payment you make. I'd be very suspicious about entering into a walking possession agreement. This can only be to your disadvantage.

Link to post
Share on other sites

They do not have to levy your goods in order to enter into a payment plan, that's what they want to do, not what they have to do. If I were you I would start paying the council direct via their website and write a letter telling them that's what you are doing as you feel stressed by the bailiff demanding to enter your home.

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

Link to post
Share on other sites

whyte & co therefore send me 5 different sets of letters each time, current costs stand at £212.50 plus levylink3.gif fees of £211 despite them never having put a levylink3.gif on any goods, this can't be correct ?

 

 

no its not correct and ask them why on earth would they want to come in to levy goods according to their fees they already have one/several

Edited by hallowitch
Link to post
Share on other sites

I would strongly advise you to check with OFT Credit Fitness Team as regards Whtye & Co's CCA Licence and whether they are properly licensed to enter into the arrangement they are proposing. You would be best doing this by email to enquiries@oft.gsi.gov.uk and insert CREDIT FITNESS into the subject box. You need to explain to OFT Credit Fitness what Whyte & Co has proposed and ask them to confirm if Whyte & Co's CCA Licence allows them to do this. If the response you receive back is that Whyte & Co are not authorised to do so, then lodge a formal complaint against them.

Link to post
Share on other sites

 

i have had several letters from them, the latest saying the liability order would be returned "nulla bona" which may lead to an application for my committal to prison

 

 

In my view the clue to the next step is in this response above. They are alleging they have made a levy + the other charges they want yet they state the above which is saying they know you have no goods of sufficient value and want to return your account to the Council. AS for the threat of Committal this can be overcome simply by making regular payments to the Council.

Please consider making a small donation to help keep this site running

 

[sIGPIC][/sIGPIC]

 

Link to post
Share on other sites

they are old

 

In which case they are treated as non priority debts and just pay the Council what you can afford each week....if that turns out to be £1 per liability order then that is what you pay...make sure you pay the same amount on the same day every week/fortnight/month, the threat to committal proceedings will then remain just that....a threat!!!!

 

WD

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...