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    • Question please, if you switch to the free Experian ac when you login within the 30 day free trial period, will the subscription of £14.99 be taken? Do you have to cancel the Experian ac entirely to stop the subscription?   Thanks to all
    • You need to beef it up a bit.... your 11 is tad tame and limp wristed ...you are appalled ...shocked and horrified ...get the word screen shot in and reproducing data without your consent.It has no connection to the claim or add any weight to their evidence in convincing the court  thats charging extortionate fees once a contract is terminated is fair or legitimate and the claimant is put to strict proof to disclose a breakdown of the fee and quantify its losses.   And yes thats a very important valid point you raise by way of you took out this contract in store with ID, which is false, I bought it online with no ID.Show the court that they talk nonsense and know absolutely nothing about the debt they bought for peanuts and that the contents of their statement contain numerous errors and false information......cast doubt.
    • Suggest that you also send a letter to your Insurance company as well.   A third party can simply enter a registration into the Askmid system to find Insurance details.     But mistakes can be made, Enter one letter wrongly and the wrong Insurers receive the claim. If the make of the car was for example a Ford Focus, it is possible a local dealer sold several with very similar registration plates. So even the mistake is not always found by asking the third party to confirm make/model of the car which caused the damage.   Your Insurance company would not advise you of the third party details, due to data protection. They might provide a registration number and advise the third parties Insurance company details. This would give you opportunity of contacting the third parties Insurers to advise of the error that appears to have happened.   Dented door not a problem. Looking for damage that relates to the alleged accident event.   Yes if you were not contactable, the Insurers may have paid the claim. But you could still have made a complaint or took other actions to resolve the matter.
    • Well thats okay...lets see if they comply with the rest of the directions on time.
    • Seriously ...a company that is raking in billions by overcharging its customers and shes haggling about £500 interest which is only awarded at the discretion of the court.   Complete the I&E and attach a covering letter stating what you discussed  over the phone and with whom and that you are open to settling the full debt amount of £4K plus court fees and state your monthly offer.You do not agree to interest being charged which is only awarded after judgment at the discretion of the courts pursuant to sec69 County Courts Act 1984  at such rate as the court thinks fit or as may be prescribed, on all or any part of the debt..   You reserve the right to bring this to the courts attention should your offer be denied.
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mikeymack2002

Universal credit a different side

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On the 05/12/2015

 

 

Government considers adding council tax support to Universal Credit! Full story here

>>http://www.publicsectorexecutive.com/Public-Sector-News/government-considers-adding-council-tax-support-to-universal-credit

 

 

 

 

"Former MP and council leader Eric Ollerenshaw will chair a review on behalf of the DCLG to assess if local council tax support (LCTS) schemes are acting as a fair and effective system countrywide, and whether it should become part of Universal Credit payments in the future.

 

The review will also examine how the reform of council tax benefit has been implemented and how it affects those reliant on this support".

 

 

 

 

Although this is just a review at present it could become fact. I am just opening up a discussion in to this new matter and hopefully let the wider claimant know now just in case they make it part of UC...

 

 

 

 

I can for see several issues with this in as much as follows:

 

 

1. If the Government do act on this and make the claimants responsible for paying their own CT, then giving them the money to pay it.

 

 

2. Since it often takes up to 7 weeks to get your first payment then you may already be in arrears by this amount.

 

 

3. If in arrears you could face the fact you could be taken to Court and a Liability Order (LO) issued against you.

 

 

4. If they do take you to Court and get an LO issued you may face a letter fee of about £75-00

 

 

5. Then if you fail to set up an agreement to pay they may add a further £235-00 to your bill.

 

 

6. I can see that in some cases where this can cause even more of a hopeless situation for some claimants.

 

 

7. There could be further debt issues and then all of this spiralling out of control!

 

 

 

 

What can claimants do to stop this? Their only option could be is to save the amount and keep it safe. This just so when you go on to Universal Credit (UC) then you can pay your bill on time (CT) therefore not falling in to this horrible trap.


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another issue will be that to simplify calculations for DWP - it is highly likely that the level of assistance will be standard rate - and not take into account CT banding or charges


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I cannot see this happening any time soon due to the complexity involved with CT banding. There will also be other issues yet to be uncovered where people are rubbish at money management.

 

On to some of the points raised above.

 

1. If the Government do act on this and make the claimants responsible for paying their own CT, then giving them the money to pay it.

 

For this to be effective, the money needs to be in place ready for the financial new hear (April). I can't see this happening as it would just confuse issues even if that years CT has already been agreed.

 

 

2. Since it often takes up to 7 weeks to get your first payment then you may already be in arrears by this amount.

 

If this does come in, councils will be told to exercise forbearance whilst the assessment is ongoing.

 

3. If in arrears you could face the fact you could be taken to Court and a Liability Order (LO) issued against you.

 

Not necessarily. By keeping the council updated, they should act as above.

 

 

4. If they do take you to Court and get an LO issued you may face a letter fee of about £75-00

 

Not forgetting the costs of getting the LO in the first place. This can range from £75 up to £125 depending on where you live. You can also challenge the issuing of a LO when communications have been maintained.

 

 

5. Then if you fail to set up an agreement to pay they may add a further £235-00 to your bill.

 

If you have kept up communication with the council, there would be no need for EAs to get involved

 

6. I can see that in some cases where this can cause even more of a hopeless situation for some claimants.

 

Very true. The complexity involved in the benefits system confuses many people who would consider themselves reasonably intelligent. What about the people with mental health problems, the partially sighted or even the illiterate.

 

 

7. There could be further debt issues and then all of this spiralling out of control!

 

Quite! As UC is paid in arrears there is the possibility of people resorting to usury just to get money for heating, lighting, cooking and food etc. There may be loans available via DWP but you still have to pay this back.


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I hope this never comes to pass. It would be the straw that brakes the camels back if it does imo.

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