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    • a CCJ does not 'expire' thus does not need any application to a court to 'extend it'. if a CCJ has not been enforced within 6yrs, then it is very unlikely any court would grant such should the claimant return to court, of which the defendant would be advised -( unless they have moved and not informed the court & the claimant such) .  
    • I contacted them when it happened. The caretaker came over, looked at it, and walked off with the tree chunks of mortar. Next morning, they had a roofer come over and enter our garden to inspect it. Friday they were supposed to speak with a scaffolding company. I had to bring up liability and potentially calling the council to report 'an unsafe structure' before they even got moving. They know all about the wedding, the preparations, our patio contractors etc. but their attitude doesn't instill me with confidence. My fear is it will end up being a legal matter which is why I posted here to hopefully receive some advice. As far as I can see, the roof is in a state of disrepair, even if it's just the mortar breaking lose due to the size and weight of the chunks - and even from ground level it's visibly clear that multiple pieces have fallen over time (though never this size so we haven't been able to identify the issue till now - we thought it was rubble left in the garden by the previous owner). Currently, we can't use 25% of our garden due to the risk of more falling mortar which is more than just an inconvenience, we can't proceed with our contractors, and at worst, it will run up in several thousand of extra expenses for us, if we have to find a wedding venue. Even if they do have it fixed in time, and we have to settle for renting a marquee and floor for the marquee and furniture and whatnot it will be additional costs only due to the neighbour's roof.
    • It will be years before Banks would sell to a debt buyer.  Sometimes Banks will use external debt collectors to try to collect, but generally Banks don't take Court action.  So you could be looking at 3 to 6 years, before any dca owning debt looks to take any Court action. And it is not definite that this would happen. So no need to feel pressured at this stage. In the event you found yourself unemployed, you have time to engage with Banks to advise of your situation and ask for time to deal with the situation, find new employment. As long as you inform the Banks they will offer assistance they can. E.g offer payment holiday or accept reduced payment for period. What you should not do, is not contact the Banks and simply default on payments. 
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    • 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.  

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    • 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.

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      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.
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      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
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Chandlers and ahouse full of disbled children CTAX debt


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when you say councillors who do you mean? is that like council management?

 

No your elected ward councillor, and the councils elected leader. you know the ones that ask you to vote for them in local elections In fact I suggest you contact your local council member as soon as possible, you can find out who they are on the council website, or by typing your postcode into the search at www.wertetothem.com, you can write directly to the MP from there also.

 

I think the local councillor should see what the Officers are doing to residents in their name.

We could do with some help from you.

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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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council are saying there is nothing they can do i have to spea to bailliff

 

Total cobblers, there is no law that forces you to speak with a bailiff, and the council are TOTALLY RESPONSIBLE and can recall the account at any time, did they acknowledge your vulnerability?

 

Phone your local councillor now, the council are being obstructive and possibly acting unlawfully.

We could do with some help from you.

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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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i phoned the nearest councillerand got voicemail. i have phoned my housing officer and got voicemail i am now going to go cab and swindon council offices

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i phoned the nearest councillerand got voicemail. i have phoned my housing officer and got voicemail i am now going to go cab and swindon council offices

 

Could you take a copy of Vulnerable situations with you

 

So long as you have proof, and evidence it should mean you are vulnerable, but councils and bailiffslink3.gif are notorious for ignoring this so you may need to involve your councillor and MP, if they get nasty, are you on any benefits at present?

 

Vulnerable situations

 

 Enforcement agents/agencies and creditors must recognise that

they each have a role in ensuring that the vulnerable and socially

excluded are protected and that the recovery process includes

procedures agreed between the agent/agency and creditor about

how such situations should be dealt with.

 

The appropriate use of discretion is essential in every case and no amount of guidance

could cover every situation, therefore the agent has a duty to

contact the creditor and report the circumstances in situations

where there is evidence of a potential cause for concern. If

necessary, the enforcement agent will advise the creditor if further

action is appropriate.

 

The exercise of appropriate discretion is

needed, not only to protect the debtor, but also the enforcement

agent who should avoid taking action which could lead to

accusations of inappropriate behaviour.

 

 Enforcement agents must withdraw from domestic premises if the

only person present is, or appears to be, under the age of 18; they

can ask when the debtor will be home - if appropriate.

 

 Enforcement agents must withdraw without making enquiries if the

only persons present are children who appear to be under the age

of 12.

 

 Wherever possible, enforcement agents should have

arrangements in place for rapidly accessing translation services

when these are needed, and provide on request information in

large print or in Braille for debtors with impaired sight.

 

 Those who might be potentially vulnerable include:

 the elderly;

 people with a disability;

 the seriously ill;

 the recently bereaved;

 single parent families;

 pregnant women;

 unemployed people; and,

 those who have obvious difficulty in understanding, speaking or

reading English.

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no they are saying that its my fault cos i defalted and there is nothing i can do and i have to let them in

 

Again not strictly true, the liklihood is the levy is of too low a value, so challengeable.

We could do with some help from you.

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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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I am in cab at moment. Council could not tell me how it was poss that they sent it to bailliffs on 18 jan when a attachment of earnings was issued on 12jan which I had right of reply for 14 days either. They said they don't know how it works but I def have to speak to bailliff and let him in

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NO YOU DO NOT!! have to let him in!!

 

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... 

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If they took your sofas would there be enough seating left for you all?

 

Do the sofas have the fire saftey tags on them?

 

If no to either of those questions then they cant take the sofas,

 

as the TV blew up that has no value and

 

second hand furniture unless craftsman built has a really low resale value at auctions

 

so it looks like the levy was wrongly done!

 

And no you dont have to let them in!

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As good as CAB may be their advice can be at best questionable as it depends what training they have had. A lot of the time you will get better advice here than with your CAB.

 

Fact - there is no law that says you have to speak to or deal with a Bailiff

 

Who are you speaking to on the phone at the Council?

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

 

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Please do not take this reply in the wrong way but in some perverse way I am pleased to read your post. This is because your post is clear PROOF that the new training requirements for bailiffs under the new regulations which take effect on 6th April will have limited use. Furthermore, your post is proof that local authorities are quickly forgetting that the bailiff company is THEIR AGENTS and that the council are wholly responsible for the levy and fees charged by their agents.

 

The council cannot abdicate their responsibility.

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Are we allowed to pst the CEO of Swindon Councils number os PM it to OP? About time this shower were shamed in public.

We could do with some help from you.

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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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What about a well-crafted tweet to Swindon Council? Not necessarily from OP. Nothing like as serious as this, but noticed today that in 2 matters, once questions asked on Twitter and thus public, my local council extracted its previously well-hidden digit.....

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