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    • Hi Everyone, hope you are all keeping well in this strange new era.   On the 17th Sept, my friend booked a delivery to send a parcel to the USA, a vintage sewing machine. The collection and delivery was booked through MyParcelDeliver.Com, and UPS was the chosen courier. They collected it about four days later.   He paid for additional insurance along with the transportation of the item, to the tune of £128.75.   He packaged the parcel very well, packed with bubble wrap and paper and also styrofoam so that the sewing machine was safe in the box. He placed some plastic wrap over this, and he then sealed the box with tape. He videoed this for the buyer, so she could see how well he had packed the item because they were both concerned about the package being well protected.   The item arrived in the USA a few days later. The buyer instantly notified my friend that the parcel packaging was damaged, showing stress from water and general mishandling, and the item was also damaged in various parts, mainly the casing and the base.   He complained to MyParcelDelivery.Com on the1st October, they responded with 'You need to contact UPS...', which he did and also the buyer contacted them and got a response on the 2nd October.   UPS informed the buyer they would like to come and take a look at the packaging and the item, and this is the last she heard from them, she has called them several times, and always they say someone will call tomorrow and no one calls. She called my friend to ask if he could call them too and chase them up, he is Italian, and though he speaks English generally well, he asked me to talk with them on his behalf because he felt they were not listening to him or that he was missing something.   I spoke with them on the 26th October, they said they had sent my friend an email about this, we checked all of his emails, junk/spam too. There is nothing in there, I asked them to resend it, but nothing has appeared despite them saying they have sent it, we know they have the correct email address because they sent a message on the 2nd confirming they are looking into the claim of a damaged package, they also said they were planning on calling the seller 'again' on the 27th, which of course never happened, which she confirmed with me on the evening of the 27th.   Now it would seem to me that MyParcelDelivery is trying to say it has nothing to do with them, despite the booking being made through them, UPS US are pretending they are doing something but have so far done nothing, and we have heard Zilch from UPS UK.   I would like, if possible, some guidance on how to go about getting this resolved because this is just not right, the agent/courier have had their money, but the seller and buyer have been the victims of poor service and damaged goods.   If anyone could point us in the right direction on how to tackle this and get some redress for this, then I would be most grateful.   Thanks and kind regards   Mr B                 pox.pdf
    • From December, NS&I is phasing out posting warrants - a type of cheque - to winners. It instead wants bondholders to provide bank details so it can pay the money into their account. View the full article
    • Hi. As you can probably presume by the time this has been posted, I am annoyed. Long story cut short is we bought a new build, got a professional snagging company to come in and make a list of things that needed doing and am now still in the process of liaising with painters / electricans, etc. There has been significant disruption with arranging to be in to help guide the various workmen, etc, let alone the complexities of Covid to deal with as well as having two small children. Tonight we were up until quite late having to prepare things for a painter to come tomorrow to fix all the awful painting and marks on walls / poor finishes, etc. This has (and has had over the last few weeks) had a knock on effect with being tired, work being affected, let alone sooooo much time wasted on discussing the various elements with the developer (who hasn't argued with any of the painting, poor electrics, etc that has to be done). My question is has anyone ever claimed redress for all the wasted hours that have to be spent on doing things like this because a developer rushed to get a house ready on time?
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    • I came across this discussion recently and just wanted to give my experience of A Shade Greener that may help others regarding their boiler finance agreement.
       
      We had a 10yr  finance contract for a boiler fitted July 2015.
       
      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
       
      It all started mid summer during lockdown when they refused to service our boiler because we didn't have a loft ladder or flooring installed despite the fact AS installed the boiler. and had previosuly serviced it without issue for 4yrs. After consulting with an independent installer I was informed that if this was the case then ASG had breached building regulations,  this was duly reported to Gas Safe to investigate and even then ASG refused to accept blame and repeatedly said it was my problem. Anyway Gas Safe found them in breach of building regs and a compromise was reached.
       
      A month later and ASG attended to service our boiler but in the process left the boiler unusuable as it kept losing pressure not to mention they had damaged the filling loop in the process which they said was my responsibilty not theres and would charge me to repair, so generous of them! Soon after reporting the fault I got a letter stating it was time we arranged a powerflush on our heating system which they make you do after 5 years even though there's nothing in the contract that states this. Coincidence?
       
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      The boiler was removed and replaced by a reputable installer,  and the old boiler was returned to ASG thus ending our contract with them. What's mad is I saved in excess of £1000 in the long run and got a new boiler with a brand new 12yr warranty. 
       
      You only have to look at TrustPilot to get an idea of what this company is like.
       
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    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
       
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
       
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
       
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
       
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
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This website has been a lifeline for me over the last few months. I've read avidly and learnt so much from other people's experiences and from the advice posted.

 

I'm currently managing my "relationship" with Rossendales and have managed to survive this far without too many hiccups.

 

 

Empowered by knowledge gained here, I've stood my ground, kept my doors and windows locked, parked my car miles away :),

have sent out the requisite standard letters (found on here) and,

finally, have sent my first payment directly to the Council via online payment completely bypassing Rossendales.

I'm sure Rossendales will discover this fact soon if, indeed, they haven't already.

 

The computer-generated letters from Rossendales were becoming more and more "assertive"

and despite my advising them in writing that hell would freeze over before they crossed my threshold

and paying them what I thought was a "reasonable and sustainable" amount each month to cover outstanding Council Tax from 2006,

they still insist on demanding "full payment" in contravention of the OFT guidelines.

 

 

However, thanks to everyone here, I feel as if I'm back in control of the situation and can sleep nights.

 

Bailiffs are indeed paperless, powerless tigers - but, unfortunately, like mosquitos they do need to be controlled cos they're pesky!!

 

Thanks again!

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Hi Impecunious,

Your situtation sounds similar to mine, in that my life seems to be a constant drag of dealing with DCAs and bailiffs so I zoomed in on your title as I feel exactly the same. There's no "link" between the two but they can both make your life a misery, but now, thanks to this site, I don't allow them to have so much control.

 

I suppose I'm saying that this site, and the people on it offering advice and encouragement is a godsend.

 

Keep going, we'll get there in the end :D

 

And thanks to all you lovely people who make this site possible.

 

Eliza

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Thank you for your support Eliza!! Much appreciated. I hope you manage to keep head above water!

 

The DCAs and the Bailiffs are really just a side-show - my main focus is on trying to mitigate the amount of damages in a personal injury claim against me - they're looking at £30,000-£50,000 plus legal costs. Hence my name on here "impecunious" -- modest income, no assets, no insurance cover. Dead in the water really - no hope of ever being able to satisfy any judgment against me but just hoping to survive the ordeal of going to court again.

 

Thanks again!!

 

Impecunious! :-)

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  • 7 months later...

Just a kwickie! Does anyone know how long a Liability Order for unpaid Council Tax is valid for?

 

I believe that my Liability orders were issued in September 2008.

 

Thanks - your replies will be interesting.

 

 

 

Impecunious! :)

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Just a kwickie! Does anyone know how long a Liability Order for unpaid Council Tax is valid for?

 

I believe that my Liability orders were issued in September 2008.

 

Thanks - your replies will be interesting.

 

 

 

Impecunious! :)

 

As far as I know as long as the Liabilty Order is obtained before the Statute of Limitations kicks in then there is no time limit at all. If after the SOL is passed then technically they can still go for it but it is advised not to - very rarely does this happen.

 

PT

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Just a kwickie! Does anyone know how long a Liability Order for unpaid Council Tax is valid for?

 

I believe that my Liability orders were issued in September 2008.

 

Thanks - your replies will be interesting.

 

 

 

Impecunious! :)

 

There is no time limit although there have been a number of Ombudsman's ruling if a local authority attempt to pursue recovery after 6 years.

 

Yours is in date and is enforceable.

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Thanks Tomtubby

 

I thought that was the case!

 

I am refusing to deal with Rossendales who have had my account for the last 17-18 months (without gaining peaceful entry or levying). I'm waiting for the account to be taken back under council control - NULLA BONA -however, the council are refusing my payment plan. I've tried paying online directly to the council but the reference number is not recognised. I'm continuing to set aside an amount each month to send to the council (for last 7 months).

 

The council have stated that my repayment plan is unacceptable without even knowing my monthly income and expenditure. Every penny of my monthly salary (and more) is accounted for.

 

I regularly state to the council that I am a "can't" pay - not a "won't" pay and I feel that, given my financial circumstances, that the amount I set aside is realistic and sustainable and one on which I will not risk defaulting on.

 

Thanks for your reply.

 

Impecunious! :)

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Hiya - yes - have been trying for the last 7 months to pay them online but the reference number they gave me is not accepted.

 

I have asked the council on 3 occasions to provide me with the reference number and a copy of the liability order - yesterday, I asked again and gave them 14 days to comply - then FORMAL COMPLAINT to their Chief Exec.

 

Impecunious! :)

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Some advice would be much appreciated.

 

My account for council tax arrears from 2005-2006 nas been with Rossendales since October 2008. I have refused to deal with them and tried paying the council directly online but system won't recognise the reference number. I have therefore set aside an amount each month since last year to pay the council direct once my account is returned to them by Rossendales.

 

I have been in correspondence with the council and they have threatened me with an attachment to earnings (they're not happy with my proposed repayment plan) despite the fact that I am more than willing to make regular sustainable and realistic monthly payments on which I am unlikely to default (given my present impecunious circumstances).

 

I'm just wondering where I go from here.

 

 

Impecunious! :)

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Thankfully not fluffy bunny - just overwhelmed by debt - massive CCJ in respect of recent "spurious" claim for personal damages in the sum of some £26,000+ - that I could not appeal due to lack of finance.

 

The claimant's solicitors didn't have the good sense to check my ability to satisfy a claim for personal injuries BEFORE they had judgment in their favour by default. That's no win no fee solicitors for you!

 

My disposable income after basics and arrears is non-existant.

 

Impecunious! :)

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If they are going for AoE then they are planning a Committal Hearing - this is one of the options open to them at this stage. If it comes to it it will be worth telling the Court of the money you have put aside, you will have to list I & E and ask for a payment plan be put in place by the Court - not AoE. Unfortunately in both scenarios CT is classed as a priority debt and comes before a lot of things.

 

I'm interested in the other matter you mentioned particularly as you found against with Judgment by Default as this appears to suggest you were missing some paperwork.

 

PT

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  • 3 weeks later...

After negotiating all month with the Council, they have finally agreed to take back my A/C for CT arrears that has been with Rossendales for the last 18 months AND with a monthly payment that is both realistic and sustainable. :)

 

After eight months of paying Rossendales direct, I got fed up with their peristent correspondence campaign, steadily increasing threats for additional payments, removal of goods, commital to prison etc. etc. and tried paying the council online from August 2009. Unfortunately, my reference number wasn't recognised and payment was not accepted. However, since August 2009, I have religiously set-aside the monthly payment until such time as the council agreed to take back my account from Rossies.

 

I feel I can now breathe again.

 

I'd like to thank all my fellow CAGgers for their support and for the knowledge gleaned from each of their individual threads. There is life at the tunnel, you just have to be totally dogmatic and focussed and stay positive.

 

Thanks again.

 

 

 

 

Impecunious! :)

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A wonderful result for you. Don't doubt for one moment you feel as if a large weight has been removed, a very large Nescafe must be called for.

 

PT

ps For all of the other side watching may be this is a salutory lesson that if you played fair then you may get results!

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yay, *sings* Another one bites the dust :D well done..

 

we really do need to get a separate thread going for all the success stories, just to prove it can be done, and there is a light at the end of it all

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Well done impecunious, [love the name].

A seperate thread for success stories, seanamarts? There's enough now for several volumes... :)

 

Best wishes.

Rae.

 

[You haven't seen me, ok?]

Edited by RaeUK
just leaving sandwiches [some heavy on the pickle] and soft drinks as bribes. I can go 24hrs without being here. Honest.
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Thanks All

 

I'm delighted with the result, especially as I do not fall into any of the recognised "vulnerable" categories that are normally referred to here. However, I have an inkling I once saw "overwhelming debt" as being included under vulnerability.

 

Kelcou: I love the name too but wish it wasn't so! :) Wasn't my fault guv!

 

Best wishes

 

 

Impecunious! :)

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impecunious - well done good ole rossies are not having a good time of it at the moment are they lol, im just waiting for rossies to now send me a letter re there charges, then it all starts again haha

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  • 3 years later...

After moving from JSA into self-employment, my weekly income is just £33 New Enterprise Allowance which supports my new business and that will end in just 6 weeks' time. Until my business develops and establishes itself, it will be a while before I can draw a wage or break even.

 

 

I have historic CT arrears and am almost blue in the face trying to make my former council understand that it is only possible, at the moment, to make token payments as a gesture of goodwill until such time as my financial situation improves. They are demanding monthly payments of £30.00 and have sent the "bailiffs warning letter" (not too bothered by that really -- it contains the usual "may" take action, etc. etc and I'm totally up to speed on managing bailiff visits). I have completed the income form the council sent and it is blatantly obvious that a £1/month is actually more than I can realistically afford. (I successfully managed to deal with Rossendales before for this old debt (from 2005-06), had the account returned to the council and negotiated a realistic payment plan.)

 

 

I reduced my payments from an affordable £12.00/month whilst I was working, to just £1.00/month when I become unemployed over 14 months ago. (It took the council 10 months to come back to me and tell me that £1/month was unacceptable.) I have repeatedly advised my former Council that my first priority is to keep a roof over my head, pay my current CT liability and my fuel bills as best as I can -- and eat! Despite suffering financial hardship, I have continued to pay £1.00 every month as I am a "can't pay, not a won't pay".

 

 

I know these are priority arrears but my main focus is to survive now. I would welcome any input/advice to keep the council off my back for the next 3-6 months! (Really the same goes for energy companies and water company too.)

 

 

I'm trying to avoid claiming any more benefits, as I'm perfectly capable of working full time and earning my own living -- I just need some consideration and a little more time.

 

 

Exasperated Impecunious!

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Can you tell us more about your situation, Are you male/female, single, married, any children. What is your business. This sounds very similar to a situation i was in although i was employed and went self employed, 4 years ago i had CT arrears of over 4k its now just £159 and due to end in April, i cant bloody wait.

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One of the reasons they say £1 per month is not enough is because anyone who has an Attachment to Benefits is docked best part of £5 per week. Are you not able to claim Tax Credits?

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