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    • I would deal with this the same as I deal with the Parking People.    1. Get stroppy - fight for your money back. 2. Tell the debt collectors - this is harassment - and charge them £196 every time they write to you. 3. Court action for the return of your funds.   Or write off what you've paid and accept the lesson on the chin - but maintain the issue with the debt collectors if they pursue.    These people are utter [Insert Your Own Words Here]   Richard (Nobby)    PS Oh and edit the post to put some space in the post if you can.     
    • Hello and thank you for the detailed answer.   I have checked that website. The MPRN matches with my bill and the gas supplier appears as EON. Then, out of curiosity I checked my neighbour supplier. I know that they have the electricity with EON based on their smart meter, but their gas supplier is British Gas. I do not know how frequent it is to have different suppliers. Either way, It seems like EON is supplying my flat (based on those numbers), but I still have doubts with regards to which one is my meter and whether I am right when thinking that I am using the wrong meter.   Any suggestions  from this point?       Hi! Thanks for the answer. I am afraid I will have to do it. I just want to be certain before going down that road. Additionally, how will they evaluate my consumption if there is no initial reading to estimate from?   Many thanks!!
    • Hi thanks for the reply and good point. Well after I run the HPI check, I read a lot and also came to know TAX is not transferable, so I went to the gov.uk web and paid the tax in full for the whole year. Since then, I tried to exhaust the web for any information related to this car and made a list of past owners (because I am not sure who holds the title with Moneybarn since Moneybarn will only declare a good faith title if I purchased the car from their customer). So in total there are 5 registered keepers/owners of the car  (incl. myself). From the service records I traced the first ever driver/owner, he said he returned the car to Mercedes, so it means he leased it and the car was registered with a lease/finance company. I could not get details from Keeper 2, but it seems he sold the car after 3 months. Keeper/owner-3 also no details but he sold the car after 12/13 months. Keeper/owner-4 is the seller I purchased the car from. Keeper/Owner-5 is myself.   I tried to trace more and more and used google tools as much as I could, and found out that the car was advertised on July 2020 and Aug-2020 by a car dealer in Sussex on Gumtree! And the car was sold by them on the 29 Aug 2020...so most likely it was sold to Keeper/Owner-4, from whom I purchased the car.   So I made a list of past owners and tried to identify who could hold the title with Moneybarn...after weighing in my assumptions and findings, I came to the conclusion that Keeper/Owner-4 may hold the title. And since the car was advertised by a car-dealer, then I assume they should have run an HPI check. Maybe, just maybe, Keeper/Owner-3 may have traded in his car at this dealer and the car dealer took the Mercedes in as p/x exchange.   So today, i will drive down to the car dealer in Sussex, and try to find out more. If Keeper/Owner holds the title, then I have a better chance to get a Good Faith title from Moneybarn. I never thought I would run into this nightmare but I am weighing down my options, if I have to loose the car, I will try to loose it royally and drive around EU before returning it in the most deplorable state I can.   But then again, if Keeper/Owner holds the title, and he does not default his payments to Moneybarn, can they still repossess the car?
    • Thanks for the reply, BankFodder.   So far I've spent just the £52 on delivery. He sells a lot of stuff on eBay but I think he's classed as a private seller. 
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    • I came across this discussion recently and just wanted to give my experience of A Shade Greener that may help others regarding their boiler finance agreement.
       
      We had a 10yr  finance contract for a boiler fitted July 2015.
       
      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
       
      It all started mid summer during lockdown when they refused to service our boiler because we didn't have a loft ladder or flooring installed despite the fact AS installed the boiler. and had previosuly serviced it without issue for 4yrs. After consulting with an independent installer I was informed that if this was the case then ASG had breached building regulations,  this was duly reported to Gas Safe to investigate and even then ASG refused to accept blame and repeatedly said it was my problem. Anyway Gas Safe found them in breach of building regs and a compromise was reached.
       
      A month later and ASG attended to service our boiler but in the process left the boiler unusuable as it kept losing pressure not to mention they had damaged the filling loop in the process which they said was my responsibilty not theres and would charge me to repair, so generous of them! Soon after reporting the fault I got a letter stating it was time we arranged a powerflush on our heating system which they make you do after 5 years even though there's nothing in the contract that states this. Coincidence?
       
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      The boiler was removed and replaced by a reputable installer,  and the old boiler was returned to ASG thus ending our contract with them. What's mad is I saved in excess of £1000 in the long run and got a new boiler with a brand new 12yr warranty. 
       
      You only have to look at TrustPilot to get an idea of what this company is like.
       
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    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
       
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
       
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
       
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
       
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
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I did tell them when I phoned to try and get my payments back on track but the woman I spoke was completely disinterested and said there was nothing she could do as it was with the Bailiffs now.

 

Another local authority who wrongly believe that their responsibility ceases when they pass an account to their enforcement agent. How wrong they are.

 

I'm sorry to ask so many questions, but it really would assist with advice given if you could answer the following:

 

Before getting to this late stage (of a personal visit) had you been in contact with the local authority about this debt?

 

Had you previously had a payment arrangement with the council for this debt?

 

Given the amount (approx £3,000) are you sure that this debt only represents one years' arrears? Can you clarify how the debt is calculated?

 

Is this the only tax year that you have arrears for?

 

Are you employed or in receipt of benefits?
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Lisa,

 

I was looking back at your earlier posts on the forum and from the following link (from March 2017) it is clear that you have been really struggling for a long time to sort out (and obviously pay) various Liability Orders from the council. Have you approached the council to find out exactly how much you owe?

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?475282-Excel-Bailiffs-for-CTAX-debt-trying-to-take-my-car....&p=5003270#post5003270

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sorry I didn't have time to look at previous threads

I have now merged 7 threads here with regard to this ctax debt dating back to 2011!

please don't hit Quote...just type we know what we said earlier..

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

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one more thread from 2009! found and merged regard excel and CTAX LO's added.

 

 

dx

please don't hit Quote...just type we know what we said earlier..

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

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Hi

 

I have an outstanding liability order for old council tax owing from about 7 years ago. I fell behind with my repayments to the local authority who issued it so they set the bailiffs on me!

He has only ever knocked on my door once somehow claimed that he's visited three times now to bump up the charges.

 

I called him later on and offered a monthly repayment of £20 which is all I can afford as we're on a low income and receive benefits to help with rent, council tax etc, but he said that's not acceptable and I have to pay in full (£3000+).

 

Good morning Lisa,

 

As the various threads on here show, you have been struggling with various council tax arrears since at least 2009. It really is now time to get to the bottom of what exactly you owe . It is vitally important that you write to the council to get a full and detailed breakdown of all Liability Orders and what enforcement fees have been added to each account by Penham.

 

I am not persuaded that the enforcement agent would be wanting to remove your vehicle. It seems from your earlier posts that Penham are familiar with the vulnerability of your children. I notice quite some time ago that you were looking at transferring the vehicle into your mother's name. Was this the same vehicle and did you complete the transfer?

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so as post 77

please don't hit Quote...just type we know what we said earlier..

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

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  • 2 weeks later...

Hope you are getting somewhere with your problem. Do check the bailiff's bills carefully, besides the compliance fee, they can charge an issue fee for the writ of control. (£117.75) I have found this fee added at the writ stage to add onto the debt and then added in the billing again. You can ask for a copy of the writ to check if this is so.

I'm afraid there is a lot of intimidation within this industry, often out of proportion to the sums involved. On the other hand I had a claim against someone who was fairly bailiff hardened, and there is very little they can do despite all the bluff and bluster as you cannot get blood out of a stone. The golden rule is not to let them in.

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Hope you are getting somewhere with your problem. Do check the bailiff's bills carefully, besides the compliance fee, they can charge an issue fee for the writ of control. (£117.75) I have found this fee added at the writ stage to add onto the debt and then added in the billing again. You can ask for a copy of the writ to check if this is so.

I'm afraid there is a lot of intimidation within this industry, often out of proportion to the sums involved. On the other hand I had a claim against someone who was fairly bailiff hardened, and there is very little they can do despite all the bluff and bluster as you cannot get blood out of a stone. The golden rule is not to let them in.

 

The OP's enquiry concerns council tax arrears. Accordingly, there isn't a writ of contol and the fee of £117.75 would not apply in such circumstances.

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