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    • Millions of bicycles were sold this year, with fears there won't be enough for the festive period. View the full article
    • Thanks DX, I'm happy that there are no valid reasons for them not to send us documents via royal mail - they were after all perfectly capable of sending these two letters.   The 12+2 days end on 7 December so I will ensure the DD's are cancelled for these and the Hoist one that is also being paid monthly on that very date. 
    • Sorry to hear the news Dave.   As for sums on top of the £100, maybe the judge ruled against the £60 Unicorn Food Tax but allowed £25 claimform fee + £25 legal costs.  Just a guess.
    • Hi guys!   Update:   Been forwarding all the text messages to 7726   These were the text messages:   28 October: We have been instructed to proceed formally on this claim in 7 days in respect of the balance due to Photo Studio Group unless discharged or an arrangement made. This will result in a formal Letter Before Claim and Court Proceedings.   29 October: It's not too late to stop legal action. Settle the £1182.89 due to Photo Studio Group.    30 October: The £1182.89 due to Photo Studio Group is overdue we are now instructed to proceed with a formal Letter Before Claim.   We are now considering whether to issue Court proceedings to recover £1182.89 owed to Photo Studio Group.    2 November: We are now preparing to send a Letter Before Claim. Call 01422746202 to resolve this matter.    6 November: We have now have issued a Letter Before Claim which you should receive in the next few days. Pay the balance due to Photo Studio Group now.  It's not too late to stop legal action. Settle the £1182.89 due to Photo Studio Group online now.    8 November: Click the link to address the £1182.89 due to Photo Studio Group to avoid legal action 12 November: A County Court Claim will impact your ability to obtain credit for up to 6 years. Pay online to stop action.  13 November: We are concerned you have not responded to the Letter Before Claim regarding the balance due to Photo Studio Group?   15 November:  Call AJJB Law regarding the letter you have received from us in order to stop Court Action on 01422746202.    21 November: IMMEDIATE ACTION REQUIRED. Pay £1182.89 due to Photo Studio Group online to stop Court action.  23 November:  We haven't received a response to the Letter Before Claim issued by us. It's imperative you act now to avoid Court Proceedings.  We will be conducting a Pre Court Action Review this week. Pay £1182.89 online today or set up a plan to stop.    26 November: IMMEDIATE ACTION REQUIRED. Pay the balance of £1182.89 online today to prevent further legal action.  29 November: We will be conducting a Pre Court Action Review this week. Contact us today on 01422746202.  2 December: You haven't replied to the Letter Before Claim from us. Costs and fees will be added if we issue a County Court Claim.    Emails:   10 Nov:   Dear -----, LETTER BEFORE CLAIM AJJB Reference: .... Our Client: Photo Studio Group Balance: £1182.89 You will now have received a Letter Before Claim issued by us regarding the balance due to our client. It is important that you do not ignore this letter and read the contents carefully. If you have a query relating to your balance then please contact us to discuss urgently. If you wish to make payment to settle the balance you can do so through our website www.payajjb.co.uk or by calling us on 01422746202. Alternatively an income and expenditure statement is enclosed in the letter, if you are unable to repay the balance in full, payment arrangements will be considered based on your circumstances. Payment arrangements can also be submitted via our website. Please respond urgently to avoid Court action. Yours Sincerely, AJJB Law   19 Nov: Dear ----, RESPONSE REQUIRED AJJB Reference: ..... Our Client: Photo Studio Group Balance: £1182.89 Our records show that you have not responded to the Letter Before Claim issued by us, or our previous attempts to contact you. We hope to resolve this matter without the need to issue a County Court Claim but we only have a limited time to do this. In order to come to a suitable way forward to address the balance please contact us today using one of the following methods: - Email - reply to this message - Online using our secure customer portal - www.payajjb.co.uk - Telephone - 01422746202 Hopefully we can agree a way forward without the need for further action. Yours Sincerely, AJJB Law   27 Nov:   IMPLICATIONS OF A COUNTY COURT JUDGMENT (CCJ) AJJB Reference: ..... Our Client: Photo Studio Group Balance: £1182.89 We are now in a position to issue a County Court Claim to recover the balance due to Photo Studio Group as we have not received a satisfactory response to the Letter Before Claim. This could result in a CCJ being registered against you As previously mentioned, we wish to resolve this matter without the need for legal action, however, we are unable to do so if you do not address the balance due. A CCJ will have an adverse impact on your credit file and will be registered for 6 years. It will affect any future lending decisions including applications for loans, mortgages, tenancy agreements and the purchase of goods on credit (for example a mobile phone contract). You can stop further action now by contacting us to discuss your circumstances or by making payment: - Email - reply to this message - Online using our secure customer portal - www.payajjb.co.uk - Telephone - 01422746202 Please do not ignore this email. Yours Sincerely, AJJB Law I also received two letters to the address I currently live in:   1.  A letter before claim    2. Implications of a county court judgment   Please let me know if I should proceed in any way.   Thank you all for your time!        
    • for whatever reason they fail the 12+2 working day time limit you may cease payments.   as for their stupid excuse to gander email details you do NOT.   they know full well there are ZERO Gov't guidelines regarding mail , .
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I am enquiring on behalf of family members. We have just been told by them that they are paying £50 per month bedroom tax. They are private home owners, mortgage free but in receipt of disability benefit, both are registered disabled and they are exempt from paying council tax due to being disabled. Is it correct that they are being charged a monthly bedroom tax?

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IF its their house then they shouldnt be charged anything. The 'bedroom tax' is basically charging extra for a spare bedroom on PUBLIC housing. This means council houses or housaing association in the form of a reduction in housing benefit..

 

If its their own home, bedroom tax wont even be thought of.

 

I think you need to go back to them and ask again,

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You don't actually pay anything, it is a deduction from 'housing' benefit, disability benefit doesn't count.

 

Also, as said above, the under-occupancy charge only applies to Council and Housing Association housing, not private owner owned housing.

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Adding further agreement to the answers given above.

 

The "Bedroom Tax" (Under Occupancy Charge) is applied as a reduction in the Housing Benefit paid to people who rent their homes from their local council. It was designed to discourage "under occupancy" - that is, people remaining in social houses which are too large for their needs. I'm not opposed to this idea on general principles, but the implementation takes no account of the realities of social housing supply and demand.

 

Anyhow, it does not apply to home owners (who are not eligible for Housing Benefit) or those who rent their homes from private landlords, to whom different rules are applied. Whatever your family members are referring to, it is not a Bedroom Tax.

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Also which area of the UK are the family in that you are asking for and are you sure this £50 is for bedroom tax and not water & sewerage?

 

The reason I mention this is in Scotland water & sewerage is part of your council tax bill and even if your disabled and exempt from paying full council tax you still have your water & sewerage charges to pay.

 

Obviously this is different in England as the water & sewerage charges aren't included in council tax as these are via water companies.

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I advise to the best of my ability, but I am not a qualified professional, benefits lawyer nor Welfare Rights Adviser.

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The reason I mention this is in Scotland water & sewerage is part of your council tax bill and even if your disabled and exempt from paying full council tax you still have your water & sewerage charges to pay.

 

 

Hadn't thought of that. Good point.

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Also which area of the UK are the family in that you are asking for and are you sure this £50 is for bedroom tax and not water & sewerage?

 

The reason I mention this is in Scotland water & sewerage is part of your council tax bill and even if your disabled and exempt from paying full council tax you still have your water & sewerage charges to pay.

 

Obviously this is different in England as the water & sewerage charges aren't included in council tax as these are via water companies.

 

Unless the LA are resellers of water that have overcharged it's residents! I have a thread on this matter.

 

Refunds are now being made to these residents for the overcharging...

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Hi Thanks for your replies

 

My family members live in Oldham, Greater Manchester

I have told them to ring the council office Monday morning to find out more regarding the £50 a month they are being charged,

they are not in receipt of any housing benefit just Council Tax reduction.

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Hi Thanks for your replies

 

My family members live in Oldham, Greater Manchester

I have told them to ring the council office Monday morning to find out more regarding the £50 a month they are being charged,

they are not in receipt of any housing benefit just Council Tax reduction.

Just being nosey really... Did you get to the bottom of this? X

Please do not ask me for advice via PM as I will not reply.

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It might be a contribution to the council tax, if the whole bill is not covered by the C Tax relief.

We could do with some help from you.

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