Jump to content


  • Tweets

  • Posts

    • statute barring in Scotland is 5yrs from last payment/use date or date of default Notice + 14 days, whichever is the later. dont confuse that with the 6yrs debts show on credit files (DN's 6th bday regardless to payment or not). they'd never get a claim raised by august in 99% of cases . as long all these debts were taken out whilst resident in scotland and you have not moved since taking them out but failed to inform the original creditor before the debt sale....... then stay radio silent until sb date is reached. then if you wish send our scottish sb letter. just remember unlike E&W in scotland debts are extinguished, dead , gone , parrot. once SB'd dx  
    • Hi all, Love this site and it's no nonsense advice, have dipped in and out of the consumer forums over the years, mostly to assure myself that what I was doing was the right thing when dealing with various businesses (almost 100% success rate, thanks in part to reading and more reading here.). Anyway, the time is almost approaching where I might need to ask for some specific help and I have a couple of queries that I can't see definitively answered. Due to financial mismanagement and severe anxiety issues I stopped paying all unsecured debt in December 2018 (one slipped to the first week in Jan 2019 when the last payment was made having rechecked my bank statement from that period - all my unsecured debt direct debits were cancelled in early Jan 2019). This has left half a dozen debts;  a couple of credit cards, a bank loan, Shop Direct and some Hitachi Finance stuff having been sold on and passing the rounds through the usual suspects, Lowells, Link, PRA Group, others related to them, and then back to them again. I have somehow successfully managed to maintain radio silence and avoided anything more worrying than their begging letters.  I have blocked their phone calls and texts, bumped all emails to the spambox and had a chuckle at their desperate letters.  I've never had anybody at the door.  I have been at the same address since before I defaulted and all correspondence comes to my current home address.  I have NEVER contacted them or admitted any debt. In anticipation of them perhaps ramping up action at the last minute I've had a look at my credit report on Credit Karma (rec'd from this very place) and I see that the default dates on these range from May 2019 to November 2019. Also in preperation I've been reading, reading and reading lots here as advised. Obviously being in Scotland there are a lot fewer posts relating to these matters and it's always quite annoying when OP's do not follow up with any outcome on their cases - how rude! This has also left me a bit confused of when I am able to finally breathe easy (although cancelling all the direct debits in Jan 2019 was the biggest sigh of relief as I knew it was all going to be unmanageable and, well, default one, default all.). I've been reading that defaults should be filed 3-6 months after the missed payment but one of my larger debts was defaulted on 27th August 2019 when the last payment I made was 10th December 2018, meaning the first missed payment was 10th Jan 2019.   My query for now is - when should I infer that these debts are prescribed?  From when the payment was missed, or taking the default date plus 5 years from the credit report? The three I have with the May date are moot anyway as either way they are gone  - some letters from Lowell offering me 90% off to settle is what got me thinking these must have been near SB status, however I have one big 10k+ with a July date and another 10k+ at the end of August I am feeling a bit anxious again, even though I know there is nothing to worry about with the begging letters.  Reading the various forums I am not sure why the OC's didn't take action against me when I read time and again the surprise that other posters haven't already been taken to court for lesser amounts - I'm also surprised I've avoided any action this long as there are plenty in this forum and sub forum who are whisked off to the court by the beggers minions after only a year or so after defaulting.  There are no CCJ/decrees listed on my credit report and I have not received any such judgements against me.  I still just regularly receive the begging emails to the spambox, the blocked phone calls and the letters from the they. I'm also reading that there is no need in Scotland to send an LBC so what should I be looking out for to know that the time has come to engage with CCA requests etc? I'm afraid in a fit I threw a lot of the paperwork out but I have a box of stuff I'm going to go through which may have the original letters from the OC's. Thanks in advance for any advice.  
    • I'm at work now but promise to look in later. Can you confirm how you paid the first invoice?  It wasn't your fault if the signal was so poor and there was no alternative way to pay.  There must be a chance of reversing the charge with your bank.  There are no guarantees but Kev  https://find-and-update.company-information.service.gov.uk/company/09766749/officers  has never had the backbone to do court so far.  Not even in one case,  
    • OK  so you may not have outed yourself if you said "we". No matter either way you paid. Snotty letter I am surprised that they were so quick off the mark threatening Court. They usually take months to go that far. No doubt that as you paid the first one they decided to strike quickly and scare you into paying. Dear Chuckleheads  aka Alliance,  I am replying to your LOCs You may have caught me the first time but that is  the end. What a nasty organisation you are. You do realise that you now have now no reason to continue to pursue me after reading my appeal since you know that my car was not cloned. Any further pursuit will end up with a complaint to the ICO that you are breaching my GDPR.  Please confirm that you have removed my details from your records. ------------------------------------------------------------------------------------------------------------------------------------------------------------ I haven't gone for a snotty letter this time as they know that you paid for your car in another car park. So using a shot across their bows .  If it doesn't deter them and they send in the debt collectors or the Court you will then be able to get more money back from them for  breachi.ng your data protection than they will get should they win in Court-and they have no chance of that as you have paid. So go in with guns blazing and they might see sense.  Although never underestimate how stupid they are. Or greedy.
    • Thank you. Such a good point. They did issue all 3 before I paid though. I only paid one because I didn’t have proof of parking that time, only for two others.    Unfortunately no proof of my appeal as it was just submitted through a form on their website and no copy was sent to me. I only have the reply. I believe I just put something like “we made the honest mistake of using the incorrect parking area on the app” and that’s it. Thanks again for your help. 
  • Recommended Topics

  • Our picks

    • 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 
        • Like
      • 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
        • Like
  • Recommended Topics

Rossendales Bailiff Council Tax*** account returned to council***RESULT!!


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3905 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

The goods listed will not cover the debt the levy has been done for the financial gain to the bailiffs

 

The levy will be classed as invalid

Formal complaint to the council who are responsible for the bailiffs copy in local MP

 

keep things formal in writing no point in telephone calls with the council

If i have helped in any way hit my star.

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

Link to post
Share on other sites

  • Replies 54
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Once a levy fee has been applied, the only fees which can be added are either a fee for an actual removal or a fee for attending to remove where no removal takes place. As I see it the fee on 23rd January of £110 can only be the fee for attending to remove where a removal did not take place (that could have been at the old address). They cannot charge £24.50 today (which is the value of a first visit fee for attending to levy where a levy does not take place).

 

You cannot avoid paying the balance. If you pay direct, the Regulations clearly state that any part payment made against a liability order must first pay the [bailiff] fees. If the council accept your payment against this debt, it must, by law pay the bailiff fees and the balance is always the original debt/arrears. The post regarding allocation is not relevant.

 

Can we clear this one up then move on as this is not helpful for the OP or anyone reading this looking for good advice. I read it as the council work for the bailiffs collecting there fees for them ?

Edited by matt v atos
Link to post
Share on other sites

The relevant legislation is Section 52(4) of The Council Tax (Administration and Enforcement) Regulations 1992 (as amended):

 

"Where a step is taken for the recovery of an outstanding sum which is or forms part of an amount in respect of which a liability order has been made and under which additional costs or charges with respect to the step are also recoverable in accordance with this Part, any sum recovered thereby which is less than the aggregate of the amount outstanding and such additional costs and charges, shall be treated as discharging first the costs and charges, the balance (if any) being applied towards the discharge of the outstanding sum."

 

In simple terms, as previously noted, this means that any costs or charges due in bailiff fees must be paid before the outstanding arrears. If the council receive payment direct, they MUST, by law, discharge the bailiff fees. So if you pay just the council tax arrears and not the fees, you will actually be paying the fees!

 

.

.

This is a most helpful post and confirms the position regarding bailiff fees (which is that with council tax recovery bailiff fees are legally deducted as a first charge with the balance being paid over to the local authority). It is a shame that local authorities do not adhere to this !!!

Edited by tomtubby
Link to post
Share on other sites

.

.

This is a most helpful post and confirms the position regarding bailiff fees (which is that with council tax recovery bailiff fees are legally deducted as a first charge with the balance being paid over to the local authority). It is a shame that local authorities do not adhere to this !!!

 

This is all fine and dandy but once all the fees which in most cases are not legal inflated made up racked up picked out of the air phantom visit levys on door mats neighbours cars milk bottles trees in the garden, chairs with three legs, there is nothing left to pay over to local authority.?

Link to post
Share on other sites

This is all fine and dandy but once all the fees which in most cases are not legal inflated made up racked up picked out of the air phantom visit levys on door mats neighbours cars milk bottles trees in the garden, chairs with three legs, there is nothing left to pay over to local authority.?

 

You must bear in mind the situation on fees, and challenge them for validity, that is why it is best to factor in £42,50 on top and pay it in when paying off a complete settlement to the council, even y installments to discharge visit fees, if all the others can be proved to be invalid. that would then clear the Lo with nowhere for the bailiff to go,

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

This is all fine and dandy but once all the fees which in most cases are not legal inflated made up racked up picked out of the air phantom visit levys on door mats neighbours cars milk bottles trees in the garden, chairs with three legs, there is nothing left to pay over to local authority.?

 

Also regarding paying the coucil direct Ive lost count of the post where this has been attempted and the council have refused saying its been passed to the bailiff you have to deal with them.

Link to post
Share on other sites

As much as I agree with you TT, it just dosnt work well that way.

 

Before the council hand any money over to the bailiff for their fee's they should be 100% sure that the bailiff has carried out the work correctly. Many dont and it maddens me to see that the council do not check, always taking the word of the bailiff.

 

Levies are done incorrectly and fee's are stacked up for work that is not done or fee's added that are not on the sch 5 listing.

 

Council's pretty much dont care about the aftermath that they have caused as long as they get what is owing to them.

 

If the bailiff wants people to stick to the regulations then they must also and so does the council. Its there written down, but many do not follow it, but will quote it even though they do not understand what they are quoting.

 

Perhaps a lesson on how to decipher these regulations when becoming a bailiff, or a council worker in the revenues dept;

  • Confused 1
Link to post
Share on other sites

Thanks for all your help and comments, forgot to mention that two of my children are disabled on if which has very bad autism. I told the bailiff that he would be very upset to have a stranger or two come in the house and start removing stuff to which they said get them out of the house when we are here then.

 

Not the response I was expecting but what option do I have if I can't pay by Friday as they won't accept a proposal of two payments.

Link to post
Share on other sites

Thanks for all your help and comments, forgot to mention that two of my children are disabled on if which has very bad autism. I told the bailiff that he would be very upset to have a stranger or two come in the house and start removing stuff to which they said get them out of the house when we are here then.

 

Not the response I was expecting but what option do I have if I can't pay by Friday as they won't accept a proposal of two payments.

 

Does this not come under vulneralility

Link to post
Share on other sites

Thanks for all your help and comments, forgot to mention that two of my children are disabled on if which has very bad autism. I told the bailiff that he would be very upset to have a stranger or two come in the house and start removing stuff to which they said get them out of the house when we are here then.

 

Not the response I was expecting but what option do I have if I can't pay by Friday as they won't accept a proposal of two payments.

 

If that is the case then you should write to the Council & Bailiffs outlining these facts and refer them to the National Standards for Enforcement Agents claiming to be potentially vulnerable. You will need to provide of this and usually a letter from a medical professional will suffice.

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

 

[sIGPIC][/sIGPIC]

 

Link to post
Share on other sites

Spoke to council again and expressed my concern about them entering, I was told by the recovery woman at the council that they can't just enter at their own will. I told her that if they do then I would hold the council responsible, I then got a call back saying that they will take the account back and to make an arrangement with them.

 

Thanks for all you help and support everyone.

Link to post
Share on other sites

Excellent news, I don't think the council could stomach the odium they would get if their bailiffs were shown to be upsetting an autistic child, even the fragrant Ms Green-Jones would not live that one down

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

We appear to have a case of a Local Authority abiding by the National Standards for Enforcement Agents. EXCELLENT.

 

It is however important that you ensure that you check to see what charges have been applied to your account.

Link to post
Share on other sites

  • 6 months later...

Hi All,

 

Had rossendales turn up at my house saying that they have a magistrates order for unpaid council tax to the sum of £650 ish with an extra £24.50 fee for him,

 

I told him that I would look into this as I didn't beleive that this was the case and told him to politely go away,

which he actually did before telling me that he would be back with a van in 7 days.

 

I contacted the council and in fact was told that I did owe money but was only £120 as it turns out that my payments were being posted on my old account

which they sorted out and I paid the £120.00.

 

about 2 weeks passed and the same bailiff showed up asking for the full balance,

 

I showed him the receipt of the payment of the £120.00 but he claims that I still owe £530.00 and his fees on top which is now £42.50 (2 visits).

 

I told him where to go and said suggested that his office speak to the council as I don't owe a penny to them.

Also told him that if he didnt go I would cal the police.

 

He went but am still getting hand posted letters put through the door claiming they have a magistrates court order for £42.50 for unpaid council tax and fees

and they will come back to take my goods..(would like to see them try as I have no CT arrears..)

 

Can anyone tell me if I legally have to pay or are they just trying it on,

I dont mind paying what I owe or have to pay but wont be bullied into paying something that I shouldn't.

 

Thanks and sorry for the long post.

Link to post
Share on other sites

Hi, call the council and get them to call Rossendales off.

 

From personal experience I know that Rossendales can add fees for attendances that didn't happen etc.

 

If your payments were being posted to the correct account, Rossendales would not have attended your property, so it is up to the council to put them straight.

 

If the council and Rossendales cannot communicate effectively, that is not your fault.

 

They cannot take your goods as they have not entered your property to see what they can legally take.

 

As there are no arrears, they have no legal right to enter your property anyway.

 

And if they did, after showing them that you were no longer in arrears and the majority of the arrears was the council's accounting error.......

 

For your own peace of mind, get it in writing from the council as to what went on as well as confirmation that they will call Rossendales off, and send a copy of that to Rossendales politely telling them to bog off and if they want paying for any fees, ask the council!

 

Bel

Link to post
Share on other sites

Thanks, I have spoken to council who have advised me that there is no amounts oustanding and that the liability order is no longer effective

and they they have recalled this account back from rossendales after I paid the acount off to them.

 

It seems that rossendales are trying to use the satisfied and no longer valid magistrates court order to collect their fees.

 

Surely this is not allowed, is it?

Link to post
Share on other sites

its a liability order

 

if he came ONCE before you paid the council then sadly I think you owe the 1st visit fee only.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

its a liability order

 

if he came ONCE before you paid the council then sadly I think you owe the 1st visit fee only.

 

dx

 

I would concur with DX, pay the £24.50 either into the council, and tell them that it is for Rossendales visit fee for which they are entitled or to Dossers themselves, but they would then start demanding what they think they are owed rather than the actuality. They are like that.

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

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...