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    • where does anything say its a penalty charge please? sit on your hands , stop begging to everyone await if/when you ever get a letter of claim. thread title updated     
    • Hi all, new member, being advised by someone on another forum but looking for the opinion of others to help me decide what to do.  Bit of a long one but I am looking for some quite specific advice or signposting to somewhere that may hold the correct information. Long story short, I bought an Audi on finance years ago and traded my old car in under the diesel scrappage scheme, brilliant. This allowed me to reduce the value of my brand new car by £7,000 Fast forward a few years later and I fell into hardship. Unfortunately I could no longer afford the car and despite my best efforts at trying to negotiate some kind of support from VWFS (Audi financial Services), the car was subsequently marked stolen and I was pulled over at the side of the road using Tactical Pursuit and Contain. My car was then recovered back to the finance company. I struggled for a while, bought an older car to get myself by and eventually got my finances back on track. Then in September of last year I became aware of a CCJ against me filed by VWFS, for the shortfall of the agreement minus the value of the car which was sold at auction. This caused me to do some research into my agreement, legislation and also consult some legal advice. Using another forum and speaking to retired vehicle finance lawyers, it turned out I may have some grounds to apply to set aside the CCJ at a Court hearing, so I drafted some documents and a witness statement and I was successful in setting aside the CCJ, on the grounds that VWFS had no evidence that I had traded in my old car as a part exchange. Now this is where things get complicated. My whole defence on winning the case against VWFS and disregarding liability for the shortfall rested on the fact that, with my old car as a part exchange, I had paid in more than a third of the agreement and VWFS could not repossess my car without a court order or they would be in breach of Section 90 of the Consumer Credit Act 1974 and I would be entitled to all sums paid under the agreement. I took this all the way, noting that the CCA 1974 and the Consumer Credit Agreement Regulations 2010 state that a deposit is defined as any exchange of goods or by any other means a reduction in value of a purchase by means of a transfer. I recently had my day in Court but as a litigant in person, was cross examined by an all singing all dancing Barrister and of course he persuaded the Judge that I had no case, and that my car traded in under the scrappage incentive was not to be classed as a deposit, despite it literally being written in legislation, amongst other reasons why I found the HP agreement to not be properly executed. I am now appealing this decision as I strongly believe the Judge has misinterpreted the law, What I really need for this to be successful is someone who is knowledgeable in the field of Vehicle Finance to help me understand if I have a possibility of overturning this case, as I have no doubt at all that my car should be classed as a part exchange and a deposit and it is blatantly written in the legislation that the finance companies are bound by. I would massively appreciate if someone can help me decipher this legislation and its application in the sense of my HP agreement, I simply do not understand how I can trade in my car and it not be classed as a part exchange, or a deposit. Similarly, if someone is able to find the exact wording of the terms and conditions of how the Diesel Scrappage Scheme was managed in 2018 that would be an absolute life saver! Thanks so much in advance, this is not a straight forward nor a well documented case but I believe I am onto something and I believe there will be other people in my position who have lost their cars without knowing this clause and could well be entitled to reclaim all sums under the agreement
    • we know them well. you TOTALLY ignore them. NO DCA is a BAILIFF  
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theres no forced right of entry with CTAX

in all effects you simply ignore them as long as there is no car around for them to levy against.

 

it looks like you should have received an NOE at your present address if as I said, the council is the same one you pay CTAX to NOW since October as to prior.

they knew your new address, wheres the NOE gone?

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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Yes the council only need to send to the last known address.

We're talking about the bailiffs here though - they are required to send the NOE to the debtor's usual address.

 

A quote from the Sheriffs Office has also been posted which is clear that if the bailiff discovers the debtor is at a different address the bailiff needs to send a new NOE to that address.

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Well I'm basically thinking I need to contact Newlyn ASAP so I think I will write explaining I have no NOE and that they need to send the correct paperwork before they can take any action

 

Contact the council as the bailiffs are acting on their behalf. Newlyn's will in all likelihood just try to brush it off.

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People are confusing two things here.

1. There is the ablilty or otherwise to charge the fees for entering the different stages of the Schedule 12 process and

2. the ability or otherwise to take control of goods if the Notice of Enforcment has not been sent to where you usually live.

 

The two fees involved so far are as below. You can see from the description of the stages in regulation 5 of the Taking Control of Goods (Fees) Regulations 2014 that the stage has a specific start point and from regulation 4(3) that the whole stage fee is due before all the parts of the stage have taken place.:-

The £75 Compliance stage fee and that is due as soon as the instruction is received by the enforcment agent. Although the sending of the NoE will normally be part of the compliance stage it is not required to be sent to justify the fee being due.

The £235 enforcement stage fee (plus any percentage for larger debts) which is due as soon as the enforcement stage commences which is said to be "from the first attendance at the premises in relation to the instructions..." It does not say the visit has to be for the purpose of taking control of goods.

From this you can see the £310 can be due even if a Notice of Enforcement (NoE) has not been sent to where you usually live.

 

From the way the OP describes it, the enforcement agent in this case does seem to have only sent one NoE and that went to an old address so it was not where the debtor usually lived at the time of it was sent. Becuase of this they cannot legally take control of goods.

 

If you are proposing to pay the debt you would be best to point out that they cannot TCoG unless they resend a NoE to where you usually live and allow 7 clear days after it is sent before TCoG. As I said, however, it does not seem legally to invalidate the enforcement stage fee. I would try to appeal to the council to tell the enforcemnt agent to waive the enforcement stage fee as a gesture of good will (you never know!) and accept payment of the council tax debt plus the £75 compliance stage fee. That might be easy if you are going to pay in full immediately but I assume you will be trying to offer a payment arrangement. If you do that they would have time to send a new NoE and make another visit when a new enforcement stage fee would be due even if they'd waived the first one.

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Guest Washford Mill

The above post is not correct.

 

Newlyn cannot ambush you without first giving you notice. Your first thoughts were the correct ones.

 

Whereas a council are only required to send notices to your last known address, bailiffs enforcing by way of the Schedule 12 procedure must send notice to your usual address. Until they have done this, they are still in the compliance stage and cannot jump to the enforcement stage just because it is financially beneficial for them to do so. Any visit that Newlyn have made to date has been carried out under the compliance stage.

 

The fee structure has been designed to afford debtors an opportunity to comply at an early stage thus enabling them the chance to avoid incurring unnecessary fees. To turn up without giving you notice has deprived you of that opportunity. It is akin to not sending notice at all and posting a letter by hand, charging £310 for doing so. If a bailiff does not have the ability to seize goods, he most certainly isn’t acting in the enforcement stage.

 

Finally to charge £235 for hand delivering a worthless piece of paper would almost certainly fall into the realms of maladministration, especially if there was not an ability to take contol of goods.

 

I don’t know what you wrote to the council but I would make sure that you include the above. Newlyn may even remove the fee and there’s no harm in contacting them, asking for your statutory notice in order to afford you the opportunity of settling before further fees are incurred.

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Its a very interesting point raised by Emunch, and one which requires some thought.

 

As far as I see it , EM is saying that whilst the statutory notice is required in order for the procedure to advance and goods seized. The fee is still due, he says, , because the visit has been made.(please correct me if I have this wrong). I find it hard to agree.

 

There is nothing in the procedure which prescribes a pre enforcement visit, surely if one were made it would be within compliance..

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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Con others?

 

You mean like telling them they have to pay £235 that has been unlawfully added?

 

I’m beginning to wonder if you actually have a brain but OK, I will go. I need this stupidity like I need a boil on the backside.

 

At some point This poster needs to learn how to put "in my opinion" after his remarks. After all the record states quite clearly that his advice is not always accurate.

Besides isn't this kind of hostile insulting post something he is always accusing others of?

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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Would I be right in thinking that due to them tracing me to my new address that that proves they haven't given me notice of enforcement

 

Paragraph 7(1) of Schedule 12 of the Tribunals, Courts and Enforcement Act 2007 states;

 

(1)An enforcement agent may not take control of goods [u]unless the debtor has been given notice.[/u]

 

Regulation 6(1) of the Taking Control of Goods Regulations 2013 states;

 

Minimum period of notice

 

6.—(1) Subject to paragraph (3), notice of enforcement must be given to the debtor not less than 7 clear days before the enforcement agent takes control of the debtor’s goods

 

A prerequisite of taking control of goods is that the debtor must first be given a Notice of Enforcement as provided under Para 7 of Schedule 12.

 

If a new address for the debtor has been identified then common sense would dictate that the debtor had not been given a Notice of Enforcement and accordingly, a fresh Notice must be provided and I struggle to understand how it could be argued that an 'enforcement fee' of £235 could possibly be owed. It simply cannot be the case. It would also appear to be an abuse of Paragraph 19 of the National Standards for Enforcement Agents which states that:

 

Enforcement Agents must act within the law at all times, including all legislation....

 

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Isnt it the case then that Newlyn are trying to be creative with fees and add the Enforcement fee regardless, perhaps they will try to add a second one and hope the debtor pays up when they fetch up at the new address and knock on the door?

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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Isnt it the case then that Newlyn are trying to be creative with fees and add the Enforcement fee regardless, perhaps they will try to add a second one and hope the debtor pays up when they fetch up at the new address and knock on the door?

 

I can say with all honesty, that I have yet to come across even one case where a fresh Notice of Enforcement had been issued, and an enforcement agent attempted to charge a 2nd enforcement fee.

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Hopefully OP can get it sorted BA, and Newlyn aren't reverting to their old ways.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

Have we helped you ...?         Please Donate button to the Consumer Action Group

If you want advice on your thread please PM me a link to your thread

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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Apologies I've not been online,

still no Reply from the council (email sent 6 days ago)

I haven't contacted newlyn but have been receiving texts,

today's being

"REMOVAL TRUCK BOOKED TODAY AT 3PM as per COURT ORDER to TAKE CONTROL OF GOODS, to AVOID ACTION CALL 07.... Quoting REF *******"

To which I ignore.

 

I'm unaware if a NOE was sent to previous address but if it was it was certainly after I had moved out.

 

Point I have noticed is that my credit report was trace searched on the 9th and 10th of October by a company called UK search limited which seems to perform this searches on behalf of debt collectors.

 

I had already registered in the electrol roll and for amenities etc at my current address by this point and as I have no other debt I can only assume it was on behalf of Newlyn

Edited by dx100uk
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well go ring the council up and ASK?

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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