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    • They have defended the claim by saying that the job was of unsatisfactory standard and they had to call another carpenter to remedy. My husband has text messages about them losing the keys a second time and also an email. What do they hope to achieve??? Most importantly,  as far as I have seen online, now I need to wait for paperwork from the court, correct?
    • The Notice to Hirer does not comply with the protection of Freedoms Act 2012 Schedule  4 . This is before I ask if Europarks have sent you a copy of the PCN they sent to Arval along with a copy of the hire agreement et. if they haven't done that either you are totally in the clear and have nothing to worry about and nothing to pay. The PCN they have sent you is supposed to be paid by you according to the Act within 21 days. The chucklebuts have stated 28 days which is the time that motorists have to pay. Such a basic and simple thing . The Act came out in 2012 and still they cannot get it right which is very good news for you. Sadly there is no point in telling them- they won't accept it because they lose their chance to make any money out of you. they are hoping that by writing to you demanding money plus sending in their  unregulated debt collectors and sixth rate solicitors that you might be so frightened as to pay them money so that you can sleep at night. Don't be surprised if some of their letters are done in coloured crayons-that's the sort of  level of people you will be dealing with. Makes great bedding for the rabbits though. Euro tend not to be that litigious but while you can safely ignore the debt collectors just keep an eye out for a possible Letter of Claim. They are pretty rare but musn't be ignored. Let us know so that you can send a suitably snotty letter to them showing that you are not afraid of them and are happy to go to Court as you like winning.  
    • They did reply to my defence stating it would fail and enclosed copies of NOA, DN Term letter and account statements. All copies of T&C's that could be reconstructions and the IP address on there resolves to the town where MBNA offices are, not my location
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    • My defence was standard no paperwork:   1.The Defendant contends that the particulars of claim are generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made. 2. Paragraph 1 is noted. The Defendant has had a contractual relationship with MBNA Limited in the past. The Defendant does not recognise the reference number provided by the claimant within its particulars and has sought verification from the claimant who is yet to comply with requests for further information. 3. Paragraph 2 is denied. The Defendant maintains that a default notice was never received. The Claimant is put to strict proof to that a default notice was issued by MBNA Limited and received by the Defendant. 4. Paragraph 3 is denied. The Defendant is unaware of any legal assignment or Notice of Assignment allegedly served from either the Claimant or MBNA Limited. 5. On the 02/01/2023 the Defendant requested information pertaining to this claim by way of a CCA 1974 Section 78 request. The claimant is yet to respond to this request. On the 19/05/2023 a CPR 31.14 request was sent to Kearns who is yet to respond. To date, 02/06/2023, no documentation has been received. The claimant remains in default of my section 78 request. 6. It is therefore denied with regards to the Defendant owing any monies to the Claimant, the Claimant has failed to provide any evidence of proof of assignment being sent/ agreement/ balance/ breach or termination requested by CPR 31.14, therefore the Claimant is put to strict proof to: (a) show how the Defendant entered into an agreement; and (b) show and evidence the nature of breach and service of a default notice pursuant to Section 87(1) CCA1974 (c) show how the claimant has reached the amount claimed for; and (d) show how the Claimant has the legal right, either under statute or equity to issue a claim; 7. As per Civil Procedure Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed. 8. On the alternative, as the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of Section 136 of the Law of Property Act and Section 82A of the consumer credit Act 1974. 9. By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.
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Council tax attachment of earnings have they taken too much?


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I have just received 2 attachments of earnings for old council tax debt. One is for £1070 the other £72.50.

My monthly take home pay is usually around £1800 and this month I have been paid £1300. I have been on an online calculator and found out that they should have had £317 for the first order so with this takeb off I would have been paid £1483, even if the entire amount of the second order was deducted I would have been paid £1411.50.

I called them and they even said that I shouldn't have paid this much but in a word tough! Is there anything I can do.

I was expecting maybe £300 and budgeted accordingly but this has left me very short and if they do the same again next month I don't know how we are going to manage. Surely if the law says 17% for each order thereference must be something I can do? Please help back to work tomorrow and am very worried

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Take a read of the following thread slgsue

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?459754-Council-tax-attachment-of-earnings(1-Viewing)-nbsp

 

May assist you until further advice comes along.

 

Regards

 

Andy

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Take a read of the following thread slgsue

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?459754-Council-tax-attachment-of-earnings(1-Viewing)-nbsp

 

May assist you until further advice comes along.

 

Regards

 

Andy

 

Thanks Andy I read the thread first but couldn't see the answer to my question. Fortunately or unfortunately depending on how you see it I know how much they are going to take as they have done so. I had based my budget on all the info I could gather and just about found a way to get by but with the extra they seem to have taken I literally feel sick which is why I want to know if I can appeal or do anything about the amount as it is far greater than 17% :-(

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Looking at the website for DEA its states its your employers responsibility to apply the correct amount of deduction based on your net earnings.

 

https://www.gov.uk/government/uploads/system/uploads/attachment_data/file/453704/dea-guide-for-employers.pdf

 

This also show the guidelines on protected income.

 

Andy

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I have just received 2 attachments of earnings for old council tax debt. One is for £1070 the other £72.50.

 

My monthly take home pay is usually around £1800 and this month I have been paid £1300. I have been on an online calculator and found out that they should have had £317 for the first order so with this takeb off I would have been paid £1483, even if the entire amount of the second order was deducted I would have been paid £1411.50.

 

I was expecting maybe £300 and budgeted accordingly but this has left me very short and if they do the same again next month I don't know how we are going to manage. Surely if the law says 17% for each order thereference must be something I can do? Please help back to work tomorrow and am very worried

 

Blimey....you do have a problem. This is all down to the 2nd Attachment of Earnings Order for £72.50.

 

A maximum of two AOE's can be set up but the calculations that I have been using shows the following:

 

First Attachment: £306.00

 

2nd Attachment £253.98

 

Total £559.98.

 

Where your problems seem to have arisen, is because of the 2nd Liability Order of £72.

 

Personally, I would suggest that you PAY the debt of £72 to clear that Liability Order and speak to the council to get them to look at adjusting the AOE so that you only have ONE attachment for £1070.

 

I have then calculated that your deduction for the one remaining Liability Order should be £306 per month.

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Looking at the website for DEA its states its your employers responsibility to apply the correct amount of deduction based on your net earnings.

 

https://www.gov.uk/government/uploads/system/uploads/attachment_data/file/453704/dea-guide-for-employers.pdf

 

This also show the guidelines on protected income.

 

Andy

 

I think that you will find Andy that the above guidance is in relation to Direct Earnings Attachments (DEAs) which are not the same as Attachment of Earning for council tax arrears.

 

DEA's are set up to recover monies due to the Department for Work and Pensions. These could consist of benefit overpayments, overpayments for housing benefit etc.

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Blimey....you do have a problem. This is all down to the 2nd Attachment of Earnings Order for £72.50.

 

A maximum of two AOE's can be set up but the calculations that I have been using shows the following:

 

First Attachment: £306.00

 

2nd Attachment £253.98

 

Total £559.98.

 

Where your problems seem to have arisen, is because of the 2nd Liability Order of £72.

 

Personally, I would suggest that you PAY the debt of £72 to clear that Liability Order and speak to the council to get them to look at adjusting the AOE so that you only have ONE attachment for £1070.

 

I have then calculated that your deduction for the one remaining Liability Order should be £306 per month.

 

Thank you I had a feeling that it was the 2nd one causing the issue. I should have my wage slip tomorrow and am guessing that the 2nd aoe has been paid in full now plus some!

If this is the case can I apply to get this overpayment back and the 2nd aoe stopped as it is now clear? Would I contact the LA for this?

Thanks again your replies have given me some hope!

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I am not altogether certain that the deduction is apportioned against each Liability Order. You really do need to check this (and quite soon as well as the end of the month is only two weeks away).

 

Like you, I would be interested to know how the payments have been allocated on your wage slip. Please do post back as this is a subject that I have a lot of interest in.

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I think that you will find Andy that the above guidance is in relation to Direct Earnings Attachments (DEAs) which are not the same as Attachment of Earning for council tax arrears.

 

DEA's are set up to recover monies due to the Department for Work and Pensions. These could consist of benefit overpayments, overpayments for housing benefit etc.

 

Many thanks for dropping in BA and thanks for clarifying that point ...DEA,s are only used for deductions from JSA, ESA and IS, but not from DLA, PIP or AA. or Housing Benefit.

 

AoE only used by the council to reclaim CT.

 

Regards

 

Andy

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Your employer has definitely made a mistake. They should have deducted as required for the first order but only deduct £72.50 for the second order, you cannot deduct more than the value of the order.

 

Check if your employer has actually sent the money to the council (we do it a couple of weeks after payroll) - they have 18 days to send the payment after deduction - they may still be able to credit back the overpayment to you. If it gets to the council they will allocate the overpayment on the £72.50 order to the first order :( and you won't get it back.....

 

Check with your payroll department - now! get them to read the rules for deducting orders too.........

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Thank you all. I will certainly be checking when I receive my wage slip.

If I am right and they have paid over the odds from the 2nd order which knowing my luck I will not see again, how does this order get stopped? Do the council notify my employer that only 1 order now needs paying or do I have to do anything? I suppose looking at it in a positive way at least by April the whole thing will be done 😕

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If your employer hasn't sent the money to the council yet then ask them to pay you the overpayment - this means one order will be finished and they should only deduct for the larger order going forward.

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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Your employer has definitely made a mistake. They should have deducted as required for the first order but only deduct £72.50 for the second order, you cannot deduct more than the value of the order.

 

Check if your employer has actually sent the money to the council (we do it a couple of weeks after payroll) - they have 18 days to send the payment after deduction - they may still be able to credit back the overpayment to you. If it gets to the council they will allocate the overpayment on the £72.50 order to the first order :( and you won't get it back.....

 

Check with your payroll department - now! get them to read the rules for deducting orders too.........

 

WOW !!!

 

Excellent reply Ell-enn.

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