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    • i would suggest that you stick to researching on here only. use our search top right for say CTAX or liability order.   you seriously have some wild theories, but those are understandable.   as i have said, there won't be a court hearing you need nor would that help you at all nor are expected to attend, it's not like that, it's merely a rubberstamp exercise .   there is no right of forced entry for bailiffs collecting CTAX debts. the bailiff process is one of a letter which will be entitled Notice of enforcement, this gives you 7 days to pay the sum it outlines with an associated fee of £75 for it being sent. the 2nd step will be a visit, you have no legal remit to engage with them at all, i i would not do so under any circumstances, that visit will add a further £235 fee those are the only things a bailiff can do. the most they can charge is a total of £310.   police do not ever get involved in civil matters like CTAX debt. not sure where you ever got that idea from.   its saturday now so use the W/end wisely, get reading up HERE ONLY it might well pay you on monday to go RING the council CTAX dept and plead poverty etc etc. it might also pay you to find the email address or even better phone number of your local MP and get him involved. they can do wonders.   dx 
    • NPAP see here: VCS Spycar PCN PAPLOC now Claimform - no stopping - London Southend Airport ***Claim Dismissed*** - Page 7 - Private Land Parking Enforcement - Consumer Action Group
    • Hi Stu and dx1000uk,   I have done the online assessment and as I suspected I already receive the maximum benefits available to me.   Yes I was referring to the fact that some times I know that non-payment of council tax can lead to imprisonment so thanks for clarifying.   let's say I can't make their demands for payment and they do send bailiffs in, I assume these are the type of bailiffs I can just not let in and then after a certain amount of attempts they give up right? does the council then not send the police round? This is what I can't work out and worries me.   The council already know that I am struggling and can't make the payments but when do I get my chance to tell a court or the police that it's not that I don't want to pay but that I can't pay?    Walshy
    • Hi Stu and dx1000uk,   I have done the online assessment and as I suspected I already receive the maximum benefits available ot me. Yes I was referring to the fact that some times I know that non-payment of council tax can lead to imprisonment so thanks for clarifying. But let's say I can't make their demands for payment and they do send bailiffs in, I assume these are the type of bailiffs I can just not let in and then after a certain amount of attempts they give up right? But does the council then not send the police round? This is what I can't work out and worries me. The council already know that I am struggling and can't make the payments but when do I get my chance to tell a court or the police that it's not that I don't want to pay but that I can't pay?    Walshy
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    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
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    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
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Inadvertently used NCD on 2 policies for few weeks


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Just sold my old car. Worked out better to cancel insurance and start again with another company so I did this (or thought I had).

 

Anyway, started new policy then realised I hadnt heard from first insurer. Phoned them and they hadn't cancelled policy. This meant I had two insurances both using NCD.

 

I know the rules state that you can only use NCD for one policy. I thought first one had been cancelled.

 

Friend tells me that, strictly speaking, I had no right to use NCD when 2nd policy started so even though its sorted now insurer could tell me that NCD is not valid (because I had none to use on day policy started).

 

Is this right? Seems a bit unfair. Bit scared to phone insurance company in case they tell me this.... and make me pay £500 more....

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Yes your friend is technically correct about only being able to use NCD once. But you may get away with it, if your new Insurers don't need dated proof of your entitlement to NCD. Some Insurers just ask you for the other Insurance policy number etc, from which you will be using the NCD proof. They don't then need a paper copy of the NCD. If new Insurers require a paper copy of the NCD, it may just show the NCD and they may therefore not pick up that for 2 weeks, you used the NCD on previous policy. There is no central database that Insurers use to see whether people are already using NCD entitlement. It is often down to the policyholders good faith in telling them the truth.

 

Should not be a problem, so don't go out of your way to tell Insurers what happened. As long as you have now cancelled the previous policy. If you tell them about this 2 week overlap, they will probably try to charge you the premium difference for the 2 weeks, plus an admin fee.

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Yes your friend is technically correct about only being able to use NCD once. But you may get away with it, if your new Insurers don't need dated proof of your entitlement to NCD. Some Insurers just ask you for the other Insurance policy number etc, from which you will be using the NCD proof. They don't then need a paper copy of the NCD. If new Insurers require a paper copy of the NCD, it may just show the NCD and they may therefore not pick up that for 2 weeks, you used the NCD on previous policy. There is no central database that Insurers use to see whether people are already using NCD entitlement. It is often down to the policyholders good faith in telling them the truth.

 

Should not be a problem, so don't go out of your way to tell Insurers what happened. As long as you have now cancelled the previous policy. If you tell them about this 2 week overlap, they will probably try to charge you the premium difference for the 2 weeks, plus an admin fee.

 

I guess this is better than having to pay the whole policy with 0% NCD. But I guess with admin fee it could be a few £.

 

At the moment, I sent them NCD from end of previous insurer (3 months ago) because I didnt have this new one. Probably should sent them that when I do get it?

 

Are there any rules that state you have to send the absolute latest NCD? Will the insurer I just cancelled even send me this since it was only a part year in effect? (Both will say 9 years full though I guess).

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I guess this is better than having to pay the whole policy with 0% NCD. But I guess with admin fee it could be a few £.

 

At the moment, I sent them NCD from end of previous insurer (3 months ago) because I didnt have this new one. Probably should sent them that when I do get it?

 

Are there any rules that state you have to send the absolute latest NCD? Will the insurer I just cancelled even send me this since it was only a part year in effect? (Both will say 9 years full though I guess).

 

No rules re latest NCD proof, as long as you have declared any claim or incidents. I suspect that the 3 month old proof has just been noted and you will hear no more. They will just have noted the 9 years.

 

So nothing more needs to be done, as you have sent NCD proof and they would have told you if this was not adequate.

We could do with some help from you.

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