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    • Thanks DX 100   haha i totally  agree with your comment about the page 20    Yes I am awake and been all night w my WS   BUT can I point this very very very impt point please, which I am not sure if it has come to your attention   1. The payment machine and 6 hours and the free parking after 4.30 pm on a Saturday etc....all taken on board.   HOWEVER, and I cant stop myself laughing, this pay machine  he eludes to is based at The Market Shopping Centre Car park , after googling it is in CREWE.  It is not even relevant. They have put in a signage that is not even at the Merry Hill Centre which is in the West Midlands.    The Merry Hill Centre is the one I went to in Dudley, west midlands. All the signages , apart from the one you elude to have the intu Merry Hill logo     The one you refer to is in Crewe. I have never been to Crewe in my life lol so that signage is totally irrelevant    we can play this either way:   1. can take up your line of argument regarding the 6 hours etc. and pretned we are also using the pay machine    OR     2. totally dismiss it as being irrelevant, misleading , wasting the time of everyone by providing irrelevant info. Thats what I have argued in my WS so far. That signage does not belong to inTu Merry Hill            This is akin to someone being on annual leave from work between say 1.10 .2020 and 1.11.2020, and then finding out one of his/her collogues saying,  I saw you leaving work early last week , the 15th of October 2020.   hello !!!, I wasnt even in the country on the 15th of October 2020 !!   essentially thats what the claimant has done . The signage on page 20 doesnt even belong to the shopping centre I went to   I will log out and carry on with th WS     Thanks again       .   
    • Thank you FTMDave. As you can see from the time now I have had a nightmare getting questionnaire answered due to scanner problems, it is up there now though. I do not have proof of breakdown as the alternator was bought from a breakers yard near Chelmsford. I remember it well as they sold me the wrong one on the Saturday and I had to go back in my mechanic friends vehicle on Sunday as I had broken the original alternator getting it off.
    • 1 The date of infringement? 19/12/2019   2 Have you yet appealed to the parking company yet? [Y/N?] No. I did, unfortunately use the MyParkingCharge.co.uk portal to deny liability as the keeper and deny any contract. I mistakenly thought this was where I made a SAR. (I now see looking at the site again that it is actually. https://excel.zatappeal.com ) This was replied to as if it were an appeal.   if you have then please post up whatever you sent and how you sent it and the date you sent it, suitably redacted. [as a PDF- follow the upload guide]   has there been a response? yes please AS A PDFFILE  ONLY ..post it up as well, suitably redacted. - follow the upload guide]   If you haven't appealed yet - ,.........DONT ! seek advice on your topic first.   have you received a Notice To Keeper? (NTK) [must be received by you between 29-56 days] Yes. Issue date indicates that if "contravention" date is day 1 then NTK was issued on day 15 so arrived well before day 29. Document received was PCN/NTK in one. (see pdf)   what date is on it Issue date is 02/01/2020   Did the NTK provide photographic evidence? Yes   [scan up BOTHSIDES to ONE PDF of the PCN and your NTK - follow the upload guide]   3 Did the NTK mention Schedule 4 of the Protection of Freedoms Act 2012 (PoFA) [Y/N?] NO   4 If you appealed after receiving the NTK, did the parking company give you any information regarding the further appeals process? [it is well known that parking companies will reject any appeal whatever the circumstances] Suggested appeals could be made via IAS   5 Who is the parking company? VCS   6. where exactly [Carpark name and town] did you park? Broke down on service road of Southend Airport, Southend-On-Sea   please do not put JPG Picture files into your post   .............................   For PCN's received through the post [ANPR camera capture]  (must be received within 14 days from the Incident)   please answer the following questions.   1 Date of the infringement 19/12/2019     2 Date on the NTK [this must have been received within 14 days from the 'offence' date] 02/01/2020.   I recall noting, when it arrived on Saturday 16th Jan 2020 that this was more than 14 days from "offence" date.   [scan up BOTHSIDES as ONE PDF- follow the upload guide] please do not put JPG Picture files into your post   3 Date received 16/01/20   4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?] No   5 Is there any photographic evidence of the event? Yes   6 Have you appealed? [Y/N?] post up your appeal] Not as such. See this entry for PCN above.   Have you had a response? [Y/N?] post it up As above.   7 Who is the parking company? VCS   8. Where exactly [carpark name and town] Broke down on service road of Southend Airport, Southend-On-Sea   For either option, does it say which appeals body they operate under. Initial appeal to be via www.myparkingcharge.co.uk then via IAS   There are two official bodies, the BPA and the IAS. If you are unsure, please check HERE   If you have received any other correspondence, please mention it here I have subsequently received a Demand for Payment dated 28/02/2020.  outstanding balance £160 Final Demand posted on 16/03/2020         outstanding balance £160 LBC dated 27/03/2020.                                 outstanding balance £160 with estimate of court fees £25 2nd LBC from ELMS legal dated 30/10/2020 listing estimated fees of   Principal debt £160                                                                                                                        Estimated interest £12                                                                                                   Estimated court / hearing fees £50                                                                                                          Estimated solicitors' costs £50                                                                                                                              Estimated total £272   windscreen or ANPR section to your thread and answer the questions... …….... in either case scan up bothsides of any letters/tickets in or appeals made out to ONE MULTIPAGE PDF ONLY please do not put JPG Picture files into your post   NTK plus .pdf
    • Have done the email address thing. The order specifically states just the applicant ?
    • you are not the applicant but you must: • You must confirm your preferred email address for the invites to be sent too  
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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
      • 1 reply
    • 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
      • 31 replies
    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies

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Myself and my hubby were quite young when we moved out of home and got ourselves into some debt problems, one of them was owing council tax.

We owe thousands of pounds in council tax arrears, we have kept up with current CT payments for about the past 4 years, and have paid bits and bobs off the arrears as and when we could as my hubby does temporary work which can last anything from days to years.

He started a new job last month after being unemployed for a couple of months and so the council asked us to set up a payment arrangement for one of our old accounts, money is very tight at the moment and our 1st baby is due next month, so we sent them a financial statement which showed we were left with £5 a week and asked if we could pay £5 a fortnight. Well today we recieved a letter saying that they couldnt accept that, but we could pay £5 a week until 3rd june when it will increase to £12.50 a week. I thought ok fair enough as by then baby will be here and were entitled to tax credits and child benefit so we will have a bit more money.

Then in a seperate letter/envelope was an attachment of earnings order for another account from 06/07, my hubby takes home £320 a week and they want to take 12% of that = £38.40.

This is completely unrealistic, so they want £30 a week normal council tax, £38.40 in a AEO and £12.50 a week off another account (from june).

Im honestly beginning to wonder what the point in my hubby going to work is! We will end up falling behind with the current council tax if we are to pay out the other amounts, maybe £20 off arrears but over £50 a week!

Rent = £126 PW

Council Tax = £30 PW

Electricity = £40 PW (no gas) less in summer

Food = £70 PW

Car Ins = £8.50 PW

Pet Ins = £6.70 PW

House Ins = £3 PW

Petrol/Car Tax £20 PW

Phone/Broadband = £9 PW

 

= £313.20 This is without dog food any clothing etc, etc.. Car tax due end of the month £148.50 and baby due next month

So how will we afford £38.40 from his wages :sad:

T Mobile (Red) £194.58 Cleared - November 2008 - Statute Barred

Capital One (Lowell) £2182.45 Cleared - June 2010 - No credit agreement

Yes Car Credit (Go Debt) £7143.70 Cleared - July 2010 - Statute Barred

HSBC (Lowell/Red) £8476.37 Cleared - July 2010 - Statute Barred

Tesco Loan PPI £2668 - March 2013 - Refund

 

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Maybe i should add on 26/07/2006 the court made a liability order £539.32 is outstanding, we were paying £10 a week until hubby became unemployed.

T Mobile (Red) £194.58 Cleared - November 2008 - Statute Barred

Capital One (Lowell) £2182.45 Cleared - June 2010 - No credit agreement

Yes Car Credit (Go Debt) £7143.70 Cleared - July 2010 - Statute Barred

HSBC (Lowell/Red) £8476.37 Cleared - July 2010 - Statute Barred

Tesco Loan PPI £2668 - March 2013 - Refund

 

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You need to write to the head of revenue at your local council explaining your circumstances and enclosing a budget sheet (I have affixed the one we normally use - it calculates automatically as you enter the figures). If you need help with the letter please let me know and I'll draft one for you. You need to stress that if they take the amount out of your husbands wages you will be left in the position of not being able to pay your rent.

 

How much are the total arrears they want to recover ?

 

You say you have been up to date with your council payments for the last 4 years ?

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The arrears they want to recover from the AEO is £539.32 for Council Tax arrears dating back to 2005, it was at £1000

The payment arrangement we have just agreed on £5 a week is for £3506.88 - i believe this is overpaid housing benefit, but i really dont understand where they get their figures from, im sure they make them up as they go along.

Some other outstanding arrears have been cleared, these are the 2 accounts left.

Council tax payments have been upto date since 2009

What will happen if we just ignore the AEO and continue with the payment arrangement previously set up?

T Mobile (Red) £194.58 Cleared - November 2008 - Statute Barred

Capital One (Lowell) £2182.45 Cleared - June 2010 - No credit agreement

Yes Car Credit (Go Debt) £7143.70 Cleared - July 2010 - Statute Barred

HSBC (Lowell/Red) £8476.37 Cleared - July 2010 - Statute Barred

Tesco Loan PPI £2668 - March 2013 - Refund

 

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Yes just found an invoice the £3506.88 is overpaid housing benefit dating back to 2002, different properties, several different years

T Mobile (Red) £194.58 Cleared - November 2008 - Statute Barred

Capital One (Lowell) £2182.45 Cleared - June 2010 - No credit agreement

Yes Car Credit (Go Debt) £7143.70 Cleared - July 2010 - Statute Barred

HSBC (Lowell/Red) £8476.37 Cleared - July 2010 - Statute Barred

Tesco Loan PPI £2668 - March 2013 - Refund

 

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You can't ignore the AOE - your husbands employer has to make the deductions or face being taken to court. You need to let them know that you can't pay any extra while the AOE is in place.

 

You need to ask them for a breakdown of the £3508.88 .

 

Do you need help with a letter ?

 

Have you done the budget sheet yet?

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We have been sent the AOE to pass on to his employer.

The invoice does have a breakdown of the £3506.88

Help with the letter would be appreciated thanks

Just doing the budget sheet

T Mobile (Red) £194.58 Cleared - November 2008 - Statute Barred

Capital One (Lowell) £2182.45 Cleared - June 2010 - No credit agreement

Yes Car Credit (Go Debt) £7143.70 Cleared - July 2010 - Statute Barred

HSBC (Lowell/Red) £8476.37 Cleared - July 2010 - Statute Barred

Tesco Loan PPI £2668 - March 2013 - Refund

 

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The budget sheet is the same thing i sent them last week, it showed we have £5 left a week, they said they had received our 'financial statement'

T Mobile (Red) £194.58 Cleared - November 2008 - Statute Barred

Capital One (Lowell) £2182.45 Cleared - June 2010 - No credit agreement

Yes Car Credit (Go Debt) £7143.70 Cleared - July 2010 - Statute Barred

HSBC (Lowell/Red) £8476.37 Cleared - July 2010 - Statute Barred

Tesco Loan PPI £2668 - March 2013 - Refund

 

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We have been sent the AOE to pass on to his employer. Did they? I've not heard of that before, do they not know who his employer is ?

The invoice does have a breakdown of the £3506.88

Help with the letter would be appreciated thanks

Just doing the budget sheet

 

OK will draft a letter

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Baby Brain! - Have read it again and at the bottom it says this is a copy of an Attachment of Earnings Order served on your employer.

The payroll number and NI number is left blank and starts To any person who has in his employment the person named above - its dated 6/2/13 - took them long enough, only got it today!

Thanks for your help

T Mobile (Red) £194.58 Cleared - November 2008 - Statute Barred

Capital One (Lowell) £2182.45 Cleared - June 2010 - No credit agreement

Yes Car Credit (Go Debt) £7143.70 Cleared - July 2010 - Statute Barred

HSBC (Lowell/Red) £8476.37 Cleared - July 2010 - Statute Barred

Tesco Loan PPI £2668 - March 2013 - Refund

 

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The employer will have to start deducting the amount on the order, they have no option.

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How long will it take them to get that started do you think?

T Mobile (Red) £194.58 Cleared - November 2008 - Statute Barred

Capital One (Lowell) £2182.45 Cleared - June 2010 - No credit agreement

Yes Car Credit (Go Debt) £7143.70 Cleared - July 2010 - Statute Barred

HSBC (Lowell/Red) £8476.37 Cleared - July 2010 - Statute Barred

Tesco Loan PPI £2668 - March 2013 - Refund

 

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depends when the receive it - is your husband paid weekly ? if so, on what day ?

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Yes weekly on fridays

We cant fall behind with the rent payments as we already owe arrears which we are slowly paying back, so the only options we are left with is to not pay the current council tax or not eat!

Really upset now i know it's been sent to his work :Cry:

T Mobile (Red) £194.58 Cleared - November 2008 - Statute Barred

Capital One (Lowell) £2182.45 Cleared - June 2010 - No credit agreement

Yes Car Credit (Go Debt) £7143.70 Cleared - July 2010 - Statute Barred

HSBC (Lowell/Red) £8476.37 Cleared - July 2010 - Statute Barred

Tesco Loan PPI £2668 - March 2013 - Refund

 

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If they only got it today it they might not apply this week - depends on what day of the week they run their payroll. I would imagine the first deduction would be next week.

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Hi, affixed is a draft letter to send to the council - take photocopies of the AEO and attach (staple) to the letter along with your budget sheet. Send by recorded delivery and make sure you keep the receipt from the post office so you can check on the royalmail website a few days after posting to print off the signature receipt.

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

 

 

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Thank you!

T Mobile (Red) £194.58 Cleared - November 2008 - Statute Barred

Capital One (Lowell) £2182.45 Cleared - June 2010 - No credit agreement

Yes Car Credit (Go Debt) £7143.70 Cleared - July 2010 - Statute Barred

HSBC (Lowell/Red) £8476.37 Cleared - July 2010 - Statute Barred

Tesco Loan PPI £2668 - March 2013 - Refund

 

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When my husband came home from work on wednesday i was really upset and he was fuming, so he called the council yesterday and spoke to the person who sent the AOE letter to us, she has said the 12% they will take from his wages covers the current council tax as well as arrears and we wont be paying anything else? Does anyone know if this is true? As i dont see that written anywhere. We have a meeting with the recovery team at the council on monday.

T Mobile (Red) £194.58 Cleared - November 2008 - Statute Barred

Capital One (Lowell) £2182.45 Cleared - June 2010 - No credit agreement

Yes Car Credit (Go Debt) £7143.70 Cleared - July 2010 - Statute Barred

HSBC (Lowell/Red) £8476.37 Cleared - July 2010 - Statute Barred

Tesco Loan PPI £2668 - March 2013 - Refund

 

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When the employer deducts the 12% they will only do so until the amount stated on the AOE is cleared then they will stop deducting as that is the content of the court order.

 

I can't see how the council could deduct from earnings for this year's council tax if you are already paying it and they don't have a court order for it.

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

 

 

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Yesterday she kept saying we would be better off paying the AOE and he couldnt really hear/understand what she was saying as he was calling from work (noisy environment). So he called her again this morning and arranged the meeting but once again she said the 12% they take will be the only amount they take and will cover the current council tax. She was asking my hubby if he was saying he is not paying anything, to which he explained that paying the current council tax is fine, but not £38 a week on top off arrears, she has said several times that it will be £38 and nothing else. But it doesnt say anything like that in the letter.

T Mobile (Red) £194.58 Cleared - November 2008 - Statute Barred

Capital One (Lowell) £2182.45 Cleared - June 2010 - No credit agreement

Yes Car Credit (Go Debt) £7143.70 Cleared - July 2010 - Statute Barred

HSBC (Lowell/Red) £8476.37 Cleared - July 2010 - Statute Barred

Tesco Loan PPI £2668 - March 2013 - Refund

 

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Thought i would update, my hubby had the meeting at the council today, and no the 12% doesnt include the current council tax, the woman who said that clearly cant do her job.

Anyway the AEO hasnt been sent to his employer yet and that is going to be cancelled, we are going to pay £10 a week off the arrears and obviously keep up with the curent council tax. So a good outcome!

Thank you for your support.

T Mobile (Red) £194.58 Cleared - November 2008 - Statute Barred

Capital One (Lowell) £2182.45 Cleared - June 2010 - No credit agreement

Yes Car Credit (Go Debt) £7143.70 Cleared - July 2010 - Statute Barred

HSBC (Lowell/Red) £8476.37 Cleared - July 2010 - Statute Barred

Tesco Loan PPI £2668 - March 2013 - Refund

 

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That's good news -hope things work out for you now :)

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.

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