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    • Today , after a lotof years i recieved a letter from this lot. Very friendly, "Were writing to remind you that we havent had any contact from you in a while".  The velvet fist, followed by  a veiled threat to get their preferred debt collectors involved. Yep dead right. In 1992/3 I took out a Student load under duress from DHSS. uP TO 2000 I hadsucessfully gotten deferment on low income. But rarther thansign on as unemployed,I decided to be self employed. I applied and they asked for all sorts of documents. I obliged and then correspondance ceased from them, circa 2001. To date  I have had no correspondance from Student Loans. I was made  redundant in 2009 and  reached 65 in 2012 , at which age the loan should have been cancelled. Now ,today, 12 years on retirement and 11 ( at least years after last contact) I get a letter with veiled threats. Do I , as I smell a scam a) ignore it and hope that Erudio will think that this phishing attempt has failed or b) respond with a statute barred letter or c) remind them of legal terms that loan should be cancelled 12 years ago or d) combination of b) +c)      
    • But I'm not mixing and matching. Sure, when researching I do check multiple avenues, but when speaking, I will open a single post. The Fb post was made in March, it is now June, time has passed, and when the suggestion was made, no further information was given on how I should progress beyond "send a letter", which has meant that I've needed to start another stream - this one, but only after taking the time to research first.
    • hes not turning you away he is simply saying that you should stick to one channel of advice. he is perfectly happy with that channel being this forum, and he will help you   all he is saying, and I agree, is that you should stick to one help channel, not mix and match 3/4
    • As long as we are clear . Do the reading and post your letter of claim in draft form as requested and we can go from there.    
    • Hold on @BankFodder, that was a bit harsh. I spoke with the EVRi complaints Facebook group to begin with, a user on that group told me to send a letter but didn't give any specifics. Here at CAG, I was looking more for specific help as I've never raised such a claim before, and wanted to be sure that my claim was correct, which is why I've researched information with the other groups too, to be sure; but you seem to have assumed that I've made some form of contact with the other groups, such that I find your comments and tone to be very unfair. And I do know a thing or two about forums, that forum users are unpaid volunteers, I happen to be a Tableau Ambassador, and so perform a very similar role helping others in an unpaid capacity  
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    • 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 
      • 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

Enforcement notice - returning this afternoon to remove goods.


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I only just paid the PCN so after the commencement of the enforcement.

 

 

Is there a recommended way to pay Equita the £75? I read things previously about never paying Bailiffs direct so am a bit nervous about this. What if they try to insist on the £235 as well as the £75? Presume they are likely to class the delivery of the Enforcement notice as an enforcement visit in which case I may as well see what comes of the witness statement and late filing application which makes me reluctant to speak to them - I do prefer an impartial court process!

 

 

Any idea what the difference between the £75 PCN and the £82 describes as "client debt" is?

 

 

Noted re the element of surprise. Thanks.

 

 

I've been right through the paperwork and can't find a Notice of Enforcement. There are not many things (if any) that I can literally never find and all the other correspondence from Equita seems to be there. My husband says he might have seen something but I think he is confusing it with something else.

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If you have had the notice of enforcement or Equita say they have sent it giving 7 days previously, then you are faced with having to pay the £235 enforcement stage fee.

 

If you have made the application to TEC, you could advise Equita of this, plus that you have paid the PCN. If you have not stated one of the 4 reasons they allow it will get rejected and enforcement started again.

We could do with some help from you.

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Thanks - I've given one of the 4 reasons - ie that I have paid the parking notice. Which I had at the time I submitted the form.

 

 

I had a letter from Equita on 29 Jan saying that the PCN is outststanding and remains subject to enforcement action. It notes that unless I pay the PCN and their £75 fee they would instruct enforcement agents to call. So presumably they are suggesting that the Notice of Enforcement was issued sometime between 29 Jan, allowing time for me to respond to that letter and 7 days ago.

 

 

Seems a bit unlikely.

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Thanks - I've given one of the 4 reasons - ie that I have paid the parking notice. Which I had at the time I submitted the form.

 

 

I had a letter from Equita on 29 Jan saying that the PCN is outststanding and remains subject to enforcement action. It notes that unless I pay the PCN and their £75 fee they would instruct enforcement agents to call. So presumably they are suggesting that the Notice of Enforcement was issued sometime between 29 Jan, allowing time for me to respond to that letter and 7 days ago.

 

 

Seems a bit unlikely.

 

That letter makes it sound like there was already some previous communications. As i thought they just issued a notice of enforcement and then if not paid, they visited.

 

Given that you have only just paid the PCN and sent the application to TEC, it will fail. The council will see that you have only just paid the PCN after an enforcement visit. Equita will then continue enforcement hassling you for £75 compliance and £235 enforcement fee. It is whether you pay it now or later.

We could do with some help from you.

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I expect it will fail eventually.

 

 

I had a couple of letters from Equita before now. Which is why I'm pretty sure we did not get a Notice of Enforcement. I may ignore them but I do read them and at least consciously decide to ignore them. So I would expect to remember if we had had a Notice of Enforcement as it's not a concept I am familiar with.

 

 

I had expected the whole procedure to follow the same route as with DCAs - so eventually you would receive a CC claim form but it seems that with regard to PCN's the collection agents/enforcement agent's are able to sneak up on you somewhat better.

 

 

I expect I will have to pay it. I definitely prefer later and I'd definitely prefer £235 less. And slightly pedantically I want to know why they say the original amount was £82.

 

 

Thanks for your advice - this is definitely a little trickier than dealing with DCA's. I've emailed Equita to say "PCN paid and submission made to TEC so back off".

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Sorry x-posted. So the £7 is owed to the Council? They will have paid to register the debt?

 

 

One last question - I think one of our cars is fine to have at home since it is on HP? My understanding is the bailiff can't take a car if it is on HP?

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I would check with the Council as to the reason for the £82 charge-it doesn't sound right.

 

I am sorry to say that the other fees are definitely payable. When you are asking the Council about the £82, you could explain that you are uncomfortable about paying the bailiffs direct and ask if you could pay their money to the Council and then if they would kindly forward the fees on to the Bailiffs.

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Sorry x-posted. So the £7 is owed to the Council? They will have paid to register the debt?

 

 

One last question - I think one of our cars is fine to have at home since it is on HP? My understanding is the bailiff can't take a car if it is on HP?

 

I think the £7 extra becomes due once they register it with the TEC and is invoiced as part of the enforcement process. Not sure the council issue anything showing this.

 

The position on HP has changed and was discussed in a recent thread. Depends on whether there is any money available if it can be sold. They HP company would be contacted. I would not keep the car near the house believing it is safe.

 

To be honest, this sounds like it is now a bit of a game now. Nobody wants to pay PCN's or enforcement companies. At some point you will have to pay the amount being requested. If i were you i would phone Equita to advise that you have applied to TEC and paid the PCN in the meantime. That they should put enforcement on hold until the application with TEC has been decided. Also ask for a copy of the notice of enforcement to be sent with any proof of posting as you have never received it.

We could do with some help from you.

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Thanks Plodderton - what is the reference to what the car is worth (I understand that in the context of "exempt" assets but did not realise this was relevant to it being on HP?

 

 

There are 8 payments still to make. I doubt the car is worth £1,350 more than the outstanding payments if that is the concern. We've had it for 5 years and it was used as a taxi for 4 of those years.

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Ah i see that Ploddertom has explained the £82. I am using a new browser and it does not update as I go along unlike my previous browser.

 

As far as HP is concerned that is now also trickier than it once was. In the past you would have been right to think that but a recent judgement [quite wrong in most people's eyes] has

indicated that where there is a sufficient amount of equity in the car, it may be taken. Doubtful it would be seized in your case for a few hundred pounds but one wouldn't like to stake

one's life on it.

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When did you pay? if yesterday after Equita left the note you do indeed owe them the £235 Enforcement Fee unfortunately, unless the OOT is successful.

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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Given that you have only just paid the PCN and sent the application to TEC, it will fail. The council will see that you have only just paid the PCN after an enforcement visit.

 

Absolutely correct UB. Also, on the Out of Time witness statement it does ask for details of when the payment was made, who the payment was made to and the amount. In most cases that I have come across (which are an awful lot) it is usually the case that TEC will not even process the application in such circumstances.

 

The following is a link to a very recent decision (13th January 2016) from the Local Government Ombudsman where they state that an Out of Time witness statement cannot be submitted if the penalty charge notice has previously been paid.

 

http://www.lgo.org.uk/decisions/transport-and-highways/parking-and-other-penalties/15-009-495

 

PS: I do have some serious concerns with this decision but these are best discussed elsewhere (I am in the process of setting up three individual threads (council tax, parking related debts and Attachment of Earnings) in the Bailiff discussion section of the forum with examples of LGO decisions.

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