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    • Hi All,   I was going to post an update after a month had passed since I sent my SN but didn't get around to it, after about two weeks I received a letter from Highview letting me know the opportunity to appeal had been missed, Shame, lol! .... Anyway, on Sat 13th (the 13th! Aaarggghh! 🤣) I received a Claim Form from DCB(L) .... seems they wish to pursue the matter through the courts! These people really are tiresome ....   (EDIT: just noticed this is the 13th post! 😂)
    • I have just checked Experian too and there is nothing on there about CCJs or any other suspicious or adverse info that would impact me like this, other than my present situation of course.   Bankruptcy, CCJ or IVA This includes court judgments (CCJs), debt relief orders, bankruptcies, individual voluntary arrangements (IVAs) and other public records recorded against you. You have no public records. GAIN (Gone Away Information Network) Lenders use GAIN to tell each other about customers with unpaid debts. If in the past you’ve left unpaid debts when living at a previous address, you may appear on GAIN and so lenders may be less likely to give you credit. You have no GAIN records.
    • I think I might have had a CCJ but it was way longer than 7 years ago and I have been able to apply and get loans, credit cards etc. I have been pretty fine with my finances until now, until this mess I managed to get myself into this year   There is nothing showing on the TransUnion credit report about an old CCJ. Is there another place I can look to see if there was one and if so how long ago?  I have signed up to TransUnion and on there it says (in Search History):   ORGANISATION PURPOSE DATE Transunion Consumer Id Check (Ml)   Identity Check for Credit 15 Apr 2024   Nationwide Building Society (Sr,Tac,Ct,Cval,R) Nationwide Building Society Bav (Cval Ml) Anti-Money Laundering 11 Apr 2024   Monzo Bank (Cosmos, Cr, Sa, Ar, Ct Batch) Monzo Bank Limited 2 (Cosmos Ar) AF 10 Apr 2024   Monzo Bank (Cosmos, Cr, Sa, Ar, Ct Batch) Monzo Bank Limited 2 (Cosmos Cr Bsb) Quotation Search 10 April 2024 I think AF means a financial association with someone or something, but I have just read that that could be something as simple as sharing an address with someone (which I do).    Public Information Details of any Bankruptcies, Insolvencies or Court Judgments that are in your name in relation to settlements of money. Bankruptcies and Insolvencies You do not have any Bankruptcies or Insolvencies on your credit report. Judgments You do not have any Judgments on your credit report. There are no Cifas markers registered against you. You do not have any Notices of Correction on your credit report. Does any of this make sense? I don't mean the information I have provided above, I mean why I am being rejected by every bank I have applied for, except Monzo (so far) Every loan I have ever taken out has been paid and settled on time, I have never missed payments on things. The only things I have outstanding at the moment are the ones I listed at the start of this thread when I completed the budget planner. 
    • have you got any more historic defaults or CCJs (Say, in the last 7 years) that you think would still be showing on your credit record? Something's not adding up here.
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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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hi

had a couple of hand deliered letters, or sould i say 'removal notice' pushed through my door from excel.

the last one states 'should you choose to ignore this notice, our bailiffs will still attend to remove your goods. while we would prefer you to be present when this task takes place it will, if necessary, be carried out in your absence. additional costs will be incurred at this time.'

I have phoned the council after the first letter and was told i had to deal with excel.

i have not let them into the house or even answered the door.

my concern is that we have two cars, both on finance, 1 worth 3000 and 1 worth 8000, however both have negative equity at the moment. can they take either of these?

 

thanks

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hi

had a couple of hand deliered letters, or sould i say 'removal notice' pushed through my door from excel.

the last one states 'should you choose to ignore this notice, our bailiffs will still attend to remove your goods. while we would prefer you to be present when this task takes place it will, if necessary, be carried out in your absence. additional costs will be incurred at this time.'

I have phoned the council after the first letter and was told i had to deal with excel.

i have not let them into the house or even answered the door.

my concern is that we have two cars, both on finance, 1 worth 3000 and 1 worth 8000, however both have negative equity at the moment. can they take either of these?

 

thanks

What is the debt for? if they are on HP no they cannot take them usually, but they may say they will sell them and pay the finance comapny from the proceeds, in practice if they tried this it could backfire on them bigstyle, as themotors will likely not fetch enough to pay what the finance company is owed let alone their fees and part of the debt.

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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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You should start paying the council using their online payment system and confirm to the council in writing what you will be paying them directly. Send a copy to the bailiffs. If you pay the council, then the most the bailiffs can charge you for without levying on anything are the 2 visit fees, which is £24.50 first visit and then £18 second visit. They can make a third visit and you would then owe a further £18, but that is the max without a levy.

 

There is nothing to force you to deal with the bailiffs.

We could do with some help from you.

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What type of finance do you have for the vehicles?

 

The cheaper one is on billl of sale and the other is hire purchase.

 

Just to be 100% the bailiffs have no right to force entry?

Thanks

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You should start paying the council using their online payment system and confirm to the council in writing what you will be paying them directly. Send a copy to the bailiffs. If you pay the council, then the most the bailiffs can charge you for without levying on anything are the 2 visit fees, which is £24.50 first visit and then £18 second visit. They can make a third visit and you would then owe a further £18, but that is the max without a levy.

 

There is nothing to force you to deal with the bailiffs.

I have no problem making an arrangement with the council and paying it off but they just say I must deal with excel.

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Just to be 100% the bailiffs have no right to force entry?

Thanks

 

There is NO right of entry they can NOT force entry keep them out

have they left any paperwork do they have a levy

payments direct to council

If i have helped in any way hit my star.

any advice given is based on experience and learnt from this site :-)

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If you pay the council, then the most the bailiffs can charge you for without levying on anything are the 2 visit fees, which is £24.50 first visit and then £18 second visit. They can make a third visit and you would then owe a further £18, but that is the max without a levy.

 

There is nothing to force you to deal with the bailiffs.

 

I thought that the maximum payable to bailiffs for visits where they haven't obtained a levy was £24.50 first visit fee and £18 second visit fee (total £42.50). What is this further £18 charge/fee for?

 

Feebee_71

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There is NO right of entry they can NOT force entry keep them out

have they left any paperwork do they have a levy

payments direct to council

the only paperwork is the removal notice saying contact us, on the bottom it says the warrant will now be passed to removal bailiffs who will attend and remove your goods ASAP without further notice.

they have not been in, and there is no levy notice.

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the only paperwork is the removal notice saying contact us, on the bottom it says the warrant will now be passed to removal bailiffs who will attend and remove your goods ASAP without further notice.

they have not been in, and there is no levy notice.

 

The bailiffs can call it whatever they want but it is a liability order nothing else no right of entry

That is the normal response from the council you DO NOT need to deal with the bailiffs at all

 

Payments can be made to the council they can not refuse if they do take there name and make a complaint

Payment can be made using automated telephone service and online using correct reference numbers

 

what they mean by removal of goods is anything outside cars ect the cars should be ok if they have finance but to be on the safe side tuck them away if you can

as leaving them on the drive way is a open invitation to the bailiffs

If i have helped in any way hit my star.

any advice given is based on experience and learnt from this site :-)

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Unfortunately I've got nowhere to park them so got 1 on drive and 1 on the road.

What would they do?, clamp them or just take their details?

 

They would take the details.

 

Just deal with the council to make payments for the CT, but be aware that you will have to pay the baliffs the fees for the 2 visits. The council will have to accept the payments you make directly to them, but do it online applying the correct reference number. Do put it in writing what arrangements you will be making to pay them.

We could do with some help from you.

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It is not so much what the bailiff can do...it is more the case what the bailiff WILL DO!!!

 

What he WILL DO is to levy upon each vehicle, charge a levy fee and very often an "attending to remove" fee.

 

You can then pay the council direct and the council SHOULD then ensure that from any payments made that they credit the bailiff company for THEIR FEES.

 

This is because, the statutory regulations provide that from all payments made, the bailiff fees are deducted FIRST.

 

It is simply unbelievable the way in which members of the public fail to write letters to the bailiff company or the council.

 

Firstly, how does the bailiff KNOW that both vehicles are on finance?????

 

 

 

The following is a really quick rough draft that can be changed or amended......

 

 

 

Dear Sirs,

 

Reference number:

 

I am writing in connection with the above account. Yesterday we received a hand delivered notice from your bailiff to advise that he requires immediate payment of £xxx. The bailiff did not levy upon goods and a Notice of Seizure was not left at my property. It is my understanding that the fees that can be charged for this visit are £24.50 for "attending to levy" (where no levy was made). Please confirm that no other charges have been applied.

 

I would like to inform your company that I will not allow a bailiff to have peaceful entry into my home. The reason for this is that I cannot at present pay the debt to the council and I am aware that if I allow a bailiff into my home this will incur me in additional fees that I cannot afford to repay.

 

Both my wife and I have a car but both cars are subject to finance with xxxxx and this can be confirmed by your company by way of a simple HPI check. The current position with both cars is that the amount outstanding to the finance company exceeds the value of the cars. If you require a copy of the finance agreements, please let me know.

 

The maximum that I can afford to pay at present is £xxx and payments can be made by the end of each month. If you are unable to accept this payment proposal, please return the account to xxxx council and I will make payments to them direct.

 

Please note that a copy of this letter is being send to xxx council.

 

Yours sincerely

 

Mr Jo Blogs

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