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    • i would suggest that you stick to researching on here only. use our search top right for say CTAX or liability order.   you seriously have some wild theories, but those are understandable.   as i have said, there won't be a court hearing you need nor would that help you at all nor are expected to attend, it's not like that, it's merely a rubberstamp exercise .   there is no right of forced entry for bailiffs collecting CTAX debts. the bailiff process is one of a letter which will be entitled Notice of enforcement, this gives you 7 days to pay the sum it outlines with an associated fee of £75 for it being sent. the 2nd step will be a visit, you have no legal remit to engage with them at all, i i would not do so under any circumstances, that visit will add a further £235 fee those are the only things a bailiff can do. the most they can charge is a total of £310.   police do not ever get involved in civil matters like CTAX debt. not sure where you ever got that idea from.   its saturday now so use the W/end wisely, get reading up HERE ONLY it might well pay you on monday to go RING the council CTAX dept and plead poverty etc etc. it might also pay you to find the email address or even better phone number of your local MP and get him involved. they can do wonders.   dx 
    • NPAP see here: VCS Spycar PCN PAPLOC now Claimform - no stopping - London Southend Airport ***Claim Dismissed*** - Page 7 - Private Land Parking Enforcement - Consumer Action Group
    • Hi Stu and dx1000uk,   I have done the online assessment and as I suspected I already receive the maximum benefits available to me.   Yes I was referring to the fact that some times I know that non-payment of council tax can lead to imprisonment so thanks for clarifying.   let's say I can't make their demands for payment and they do send bailiffs in, I assume these are the type of bailiffs I can just not let in and then after a certain amount of attempts they give up right? does the council then not send the police round? This is what I can't work out and worries me.   The council already know that I am struggling and can't make the payments but when do I get my chance to tell a court or the police that it's not that I don't want to pay but that I can't pay?    Walshy
    • Hi Stu and dx1000uk,   I have done the online assessment and as I suspected I already receive the maximum benefits available ot me. Yes I was referring to the fact that some times I know that non-payment of council tax can lead to imprisonment so thanks for clarifying. But let's say I can't make their demands for payment and they do send bailiffs in, I assume these are the type of bailiffs I can just not let in and then after a certain amount of attempts they give up right? But does the council then not send the police round? This is what I can't work out and worries me. The council already know that I am struggling and can't make the payments but when do I get my chance to tell a court or the police that it's not that I don't want to pay but that I can't pay?    Walshy
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    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
      • 33 replies

BBC: One in five people hit with penalty charges


Please note that this topic has not had any new posts for the last 5336 days.

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http://news.bbc.co.uk/1/hi/business/4608878.stm

 

Folks, this is apparently becoming widespread. The most common reason for these penalty charges appears to be "the banks do it, so we will too" - So if you've faced penalty charges from another organisation, PLEASE post it here, because if we win a court case against ANYONE else over these fees, and some companies won't be half as efficient at defending from litigation as the banks are - THIS SETS THE PRECIDENCE THAT WILL BRING THE BANKS DOWN.

 

If it's ruled illegal ANYWHERE, that ruling can be applied to the banks policy of using this illegal charging system to line their own pockets, and will ultimately end it entirely, but we have to start somewhere.

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Has anyone else noticed that British Telecom have started to apply "late payment" charges?

 

The amount is only 5 GBP but I have not come across it before.

 

A bit odd really given that the larger part of most peoples telephone bills aer service charges that are paid for in advance!

 

Very graciously they do not charge VAT on the charge.

 

I intend to take it up with them..will keep you all posted

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Telewest do to. When the amount is relatively low, such as £5 in can just about be justified - after all, someone does have to review the fact your account is in arrears and send out a letter, tasks which are automated with a bank.

 

I am about to take issue with a career development loan company, however - their late charge is £15

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  • 2 weeks later...

This is disgraceful.

 

If we, the customer started "charging" banks, et al for various little things, we'd be up in court for a form of fraud.

 

Wish I didn't have to have a bank account, or a phone account or anything else where people can "pilfer" money from me. :evil:

Egg/CapQuest 2 - CCA sent 12/04/07 ****RESULT****

Barclays Bank/Lowell 1 - CCA sent 12/04/07 ****RESULT****

 

Halifax/CapQuest 1 - CCA sent 12/04/07 SD issued ****WON with COSTS****

 

Barclaycard/Cabot - CCA Sent 12/04/07 Unenforcable Application Form

Smile/Lowell 2 - CCA sent 12/04/07 Unenforcable Application Form

NatWest/Fredrickson International - CCA sent 12/04/07 No Reply

 

Halifax/1st Credit - CCA sent 17/04/07 No CA but Threats from 1st Credit & Connaught! - Still Nothing but still chasing!

 

Student Loans Company/CapQuest 3 - CCA sent 11/06/08 - No Reply.

Lowell 3 - Ignored them went over their heads to Capital One

 

Halifax - S.A.R - sent 17/04/07 Completely incomplete!

Halifax 2 - S.A.R - sent 11/06/08 - Scant Info

Capital One - S.A.R - sent 11/06/08 - Scant Info

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  • 5 months later...

Hi

I was cut off from BT a while back because I couldn't pay the bill, usual story. I was lucky enough that my mum helped me and paid the bill for me a few weeks ago.

I phoned up and they wanted £50.00 security deposit. I was gobsmacked!! Mum paid that too. (she wasn't too happy either). I was reconnected and have just had my first bill in.

 

I could scream. The call charges are just a little over £5.00. OTHER SERVICE CHARGES £30.00 RECONNECTION FEE £30.00

The total of the bill for approximately 2 weeks comes to over £78.00!!!

They want full payment by the 22nd July!! They'll be lucky. I only have a cash account, no cards or means of internet payment either. If I ask my mother again, she will probably rip the phone out altogether!! LOL!

 

Should BT have charged me a security deposit in the first place? The debt was in my husbands name, not mine. They still wouldn't accept this. AND charge me OTHER service charges?? AND a reconnection fee??

My telephone now is with TESCO.s. I have the lowest option available from BT, the line rental.

I am not at all happy... is there anything I can do?

:eek::confused: Totallylost :confused::eek:

I only want what's mine.

 

Cabot (Halifax CC) £3304.31 - trying to negotiate min payment.- Sept 09

They sent copy of original agreement (bad copy).Felt I had to comply to stall. :mad:

 

Halifax/BMidshires - Mortgage - £18000 - In process of beginning to sue for them selling the house (after REPO) below the market value. :mad:

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  • 12 years later...

This topic was closed on 03/05/19.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support their.

If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

- Consumer Action Group

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Please note that this topic has not had any new posts for the last 5336 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

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