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    • Just a little something for consideration When a card is compromised, the replacements can be set up to automatically allow or manually re-add, old recurring transactions. The card issuer may ask you to confirm legitimate transactions which they would effectively 'migrate' to the new card Some do - some don't. Some staff on some cards seem to be entirely unaware/uncaring about this. Some card issuers expect you to sort it all out manually.   BUT if the leak is an ongoing lyca leakas it seems - as soon as you or your CC supplier give it to lyca/the leak source - compromised again     A note on security DONT use the same email or phone number for your banking as you do for sims etc. Although a bank eg santander leak would compromise this Infp seems to suggest that single/compromised multi factor authentication customers are priority targets, with more robustly secure cards being hit by 0.00 tests first Consider that the email address is one of the OTP recieving options AND one of the OTP security checks prior to sending the OTP - with the phone number being another So if they've got your card and email (same email for banking and end contact) - and you aren't forcing a phone OTP - you are compromised.  
    • Thanks for posting up the back of the NTK. The good news s that as it does not comply with the Protection of Freedoms Act, it means that you are not liable for the charge as the keeper as I explained in a previous post.  The PC fails for two reasons. The first is that it does not specify the period of parking. All it does is list the arrival and departure times of your car. Obviously that does not include the time taken to drive to the car parking space, manoeuvre the car into the space and later drive from the space to the exit. Nor does their times include things like getting kids disabled people out of and into the car as well as things like returning the trolley whilst still being parked. All of which can add a fair bit of time to the parking period which can then be subtracted from their ANPR times and makes your actual parking time a lot shorter than 118 minutes they seem to think it is. The second reason is that they failed to ask the keeper to pay Schedule 4 Section 9 [2][e]  (e)state that the creditor does not know both the name of the driver and a current address for service for the driver and invite the keeper— (i)to pay the unpaid parking charges You as keeper are now in the clear which is a good reason for you to contact Sainsbury  stating that you are being pursued as the keeper when you are not liable under the Act as well as the oher things I suggested in my previous post. If you don't get it cancelled with Sainsbury this could drag on for months with endless letters unlawfully pushing the price up to scare you into paying.  
    • Brilliant! That's great to hear and honestly pleased I'm wrong, my advice was out of concern. I checked some of your previous posts last night and you've been giving great advice to others at times. Bringing a claim can be serious (counter-claims etc) and it didn't appear you were knowledgeable based on posts so far. Far from an expert myself, just interested and will try to help. I'll sit on the sidelines, best of luck with the claim!
    • Thank you so much for the advice  I will try and up my savings to £500 for the next 6 months. Although I do still have an uphill battle, I feel more able to deal with it.  I hope my experience with the cifas marker helps someone else who finds themselves in that quite horrible situation. It is a huge weight off my shoulders getting it removed.
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Summons for non payment of council tax


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My daughter is on benefits and borrowed £1200 from me last year to pay off a summons for council tax arrears.

 

I paid this on the phone and asked "so thats it theres nothing else outstanding" and was told no its all up to date.

 

I asked about the current period and was told that they were setting up £20 first month followed by 9 months of £19.10.

 

We were expecting some paperwork to back this up and maybe set up a direct debit but heard NOTHING until this morning when she receives a summons to appear in court on the 13th June.

 

Now, I have no problem paying the £191 council tax that they are demanding, but I'm loathed to pay court costs when there has been ZERO correspondence between me paying last time and this morning. No demands, no agreement, no final reminders etc.

 

If I ring and just pay the £191 will they still pursue this through the court. Im quite happy to attend court with my daughter and explain all of this but just wondered what my chances were of getting this settled without going, and if I DID attend my chances there too.

 

Thanks

 

UKD

 

PS this is London Borough of Barnet

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Although we asked them to send the DD forms to us, we never ever received them. Is the onus on us to ring them and ask again? we literally never received anything regarding this until this morning.

 

They told her she missed two payments but I'm not sure how she could have missed them when there was no direct debit in place. I think although we asked they didn't set one up and send the forms (nor anything else) and now she has to go to court for it.

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" I asked about the current period and was told that they were setting up £20 first month followed by 9 months of £19.10."

 

Did you provide the account details..sort number and name of account holder and bank ?

 

Andy

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Now, I have no problem paying the £191 council tax that they are demanding, but I'm loathed to pay court costs when there has been ZERO correspondence between me paying last time and this morning. No demands, no agreement, no final reminders etc.

 

If I ring and just pay the £191 will they still pursue this through the court. Im quite happy to attend court with my daughter and explain all of this but just wondered what my chances were of getting this settled without going, and if I DID attend my chances there too.

 

Prior to the summons there has to have been at least one demand notice and at least one reminder. These will have been generated, the systems won't let a reminder be generated unless a demand notice has been issued or a summons before the reminder/demand notice have been issued. The issue as to where they've been posted is something only the council can answer.

 

Providing the council can show that they've generated and posted the notices to the correct address then the court have no reason not to grant the liability order as due process would have been followed. Proof of non-receipt would be needed as the courts presume that Royal Mail deliver all mail that is correctly addressed and stamped.

 

The question Andy has asked about the DD is relevant in that you should be able to argue with the council that you thought payment was being taken if you had provided all details, but I presume from post #5 that you hadn't. The payment responsibility lies on the tax payer to ensure payment is made ultimately.

 

Craig

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