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    • 1. BREAKDOWN OF LOAN Amount of Loan : £20,000.00 Loan Terms : 10 Years Monthly Repayments : £230.00 A.P.R (interest %) : 6.35% (FIXED) Note: - We want to confirm you that your loan amount is completely approved by our company for the amount of £20,000.00.So,for you to get this loan sorted you have to go through a credibility check and you are requested to pay your first month installment in advance which is for the month of March. Your second monthly installment will be due in month of April by direct debit. Once you can make the payment of £230.00, you will receive the loan amount of £20,000.00 in your bank account within 45 minutes. 2. RESPONSIBILITY Although this agreement may be signed below by more than one person, Borrower understands that we are each as individual responsible for paying back the full amount. 3. REPAYMENT The Borrower will pay every month through direct debit. There would direct debit mandate which we will ask the customer to sign. Borrower will repay the amount of this loan in equal uninterrupted monthly installments. 4. PREPAYMENT Borrower has the right to prepay the whole outstanding amount at any time. If borrower does, or if this loan is refinanced – that is, replaced by a new note – Lender will refund the unearned finance charge. 5. LATE CHARGE Any installment not paid within 7 days of its due date shall be subject to a late charge of 0.9% of the  6. DEFAULT If for any reason Borrower fails to make any payment on time, Borrower shall be in default. The Lender can then demand immediate payment on the entire remaining unpaid balance of this loan, without giving anyone further notices. If borrower has not paid the full amount of the loan when the final payment is due, the Lender will charge in interest on the unpaid balance at 4.5% per year. 7. RIGHT OF OFFSET If this loan becomes past due, the Lender will have the right to pay this loan from any deposit or security Borrower have with this lender without notice to me. If the Lender gives me an extension of time to pay this loan, Borrower still must repay the entire loan. *Note: The Annual per Rate (A.P.R) mention above will remain unchanged entire the loans terms. “Terms and Conditions” CENTRAL LOAN aim to ensure all information as maintain is: ◦current ◦fit for the purpose intended ◦complete ◦accurate CENTRAL LOAN provide two services to the customer: •We can transfer the loan amount in customer’s account •We can fix an appointment with the customer to deliver the loan amount at customer’s place in few cases (Fee may include). 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To do this, you will need to pay off the amount you owe under your agreement which may be reduced by a rebate (reduction) of part of the interest. RETURN, REFUND AND CANCELLATION POLICY: You have the right to cancel in writing up to 14 working days after the loan has been issued. Should you have already received the loan funds, you will be charged interest on a pro rata basis from the date of issue until funds are cleared in our bank account. You have the right to a refund or return of loan repayments accidentally or unintentionally made to us or collected by us. Refunds will be made as soon as practicable but normally within five working days of us being informed. You have to right to cancel your loan application if the loan amount is not credited or deliver in your bank account or home address then CENTRAL LOAN will refund the amount you paid within 24 working hours* (*Condition Apply) DELIVERY POLICY: Our loan agreement will only come into force when both you and we or our authorized representative have signed it or agree over the phone. When the loan is made we will open an account in your name(s) and debit it with the Total Amount Payable       The loan (Amount of Credit) will be delivered to you by transfer into your bank account, cash or by another mutually agreed method. Once your loan application has been approved “in principle” and subject to our usual underwriting criteria, your loan will be issued within two working hours of receipt of all the required fees. ANNUAL PERCENTAGE RATE: APR is a standard calculation used across the whole UK finance industry. It is a percentage calculation which lets you compare different forms of credit (i.e. loans, mortgages or credit cards) to help you decide on the best value. The APR takes into account interest as well as fees and charges. TYPICAL APR: A "typical" APR is the APR offered to two-thirds (7.8%) of borrowers. The actual APR you are charged is subject to status so you might not qualify for the typical APR The lender will assess your circumstances, such as your income, how much you can afford to repay, the relative security of your job, whether you're on the electoral roll and your credit history. CENTRAL LOAN typical APRs are as follows: Secured loans – typical 2.82% - 5.62% APR FIXED Unsecured loans – typical 5.60% - 17.60% APR FIXED Undertaking: I hereby certify that all the information given above is true to the best of my knowledge. If any of the above information is found to be incorrect at a later stage, I shall be liable to be disqualified/ refund for the personal loan. Regards BORROWERS SIGNATURE CENTRAL LOAN 1) _______________ 25-27 Surrey Street, Norwich, Norfolk NR13NX, United Kingdom Email: support@centralloan.co.uk Web: www.centralloan.co.uk 2) _________________ Contact Number: - +44-161-5051746       full  load agreement        
    • Ignore...    Wait until you get a Letter of Claim and come back here.
    • I wouldn't just ask them. I would send them an email confirming that the dealer has now agreed to receive the car back and that in view of the fact that they sold the car illegally and also in unsatisfactory condition, they have avoided the contract from the very beginning and therefore all agreements to purchase the car and any related agreements to finance it are now considered void from the outset. Tell them that this is your position and you want it confirmed. If your finance company will not confirm it then you are going to begin an immediate complaint to the financial ombudsman service because they will not be observing their duties under the consumer credit act. I think you need to be very insistent about all of this.
    • Were even if your mother died intestate, there must be some probate and somebody must be administrator. Try and send an SAR And incidentally, the principle is statute barred is a statutory limitation but it is subject to court's discretion
    • I will be contacting both the finance company and the trade centre tomorrow morning myself to make sure I receive written evidence off both parties stating the contract will be getting rolled back.   
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Hi all, first time poster so please bear with me and i will do my best to make sense.

 

I moved in to my current property in October,

in December I received two letters regrding non payment of council tax for my previous property informing me that a liability order had been made against me in June 2016 and June 2017 and that all there efforts including council enforcement officers had filed and they was looking at getting an attatchment of earnings.

I ignored the letters as i was happy for them to have an attatchment of earnings.

 

After speking with my work I discovered that an atttchment of earnings for both the letters had been obtained (and sure enough money was deducted from January so all well and good I thought)

 

However when I returned home yesterday there was a "control of goods" letter through my door (the letter is dated a week agao)

- hand delivered (plese see attatchment)

 

I called the council and this is wht i have discovered

- I have 5 liability orders against me!

 

2014 (attatchment of earnings)

2015 (attachment of earnings)

2016 (set monthly plan up)

2017 (set monthly plan up)

2018 (Newlyns) liability order June 18

 

I am told for the Newlyns I have to deal with them directly.

After doing some reading I believe I should of received some form of correspndance from Newlyns before a control of goods letter ie notice of enforcement etc

 

obviously with the letter through my door it has more than doubled the amount of the originl debt.

 

I know not to let them in and they cant take anything etc

(Only have my partners car on the driveway which is registered and owned by her fathers business)

 

I am hoping for some advice on what to do now regarding the Newlys letter

 

Sorry it was long winded,

I was trying to give as much detail as I could

 

the debt is for a property I lived at on my own and I have only lived with my partner since November 2018 in a new property

- not sure if that is relevent but thought i best add it

IMG_20190109_123907.jpg

Edited by dx100uk
merge

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as you've so many it might be a mute point but..

are the council aware of your correct address?


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

 

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yes, as the council letters in December are ddressd to my current ddress

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Is the address you live at now the same as the address Newlyn have for your unpaid Council Tax?


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Newlyn posted the letter to my current address

 

the letter has my current address on it in the top left and the "property detials" for the debt are my previous address (which is where the debt is for)

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In that case the Notice of Enforcement has gone to your old address and they have traced you to your current one/


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would i be right in thinking that due to them tracing me to my new address tht that proves they havent given me notice of enforcement, as in, if they found out i hve new ddress then they cnt argue they unknowingly sent it to a previous address and tht notice of enforcement is still valid?

re they not in breach of the following?

 

 

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 unless the debtor has been given notice.

 

 

 

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

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sorry my A button is somewhat tempramental as you can see

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traced you afterwards when they got no response


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

 

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should they not have sent a notice of enforcemnt or some other form of correspondance to my new address (which they clearly have) before just turning up with a control of goods letter?

 

whats my options regrding this

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If they didn't know your new address than they are OK sending correspondence and bailiffs to your last known address.


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Eveidently they know my new address as they posted a control of goods letter through the door yesterday (dated 3/1/19)

So surely tracing me to my new residance means they have that address to send correspondence to given a lack of reply frok correspondence that may have sent to previous address.

Seems to me they've just rocked up and posted a control of goods letter through the door and that's all I have and the letter itself looks like a template I could knock up.

 

So I have no options as they've followed the correct procedures even though this is first contact I've had from them?

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the notice of enforcement is sent to the last known address that the council had for you.

that gives you 7 days to do 'something' else its £75 fee is added to the debt.

 

then without a response they will trace you and pers serve the above that costs £235 = total fees they can add is £310


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

 

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The above info is incorrect.

 

The council are only obliged to send correspondance to your last known address.

 

However, the bailiff must send correspondance to your present address. Until they have served a NOE to your present address and given you seven clear days, they cannot move onto the enforcement stage.

 

Can you confirm whether a NOE letter with a £75 charge has ever been sent to your present address?

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The only correspondence I have had from Newyn is the control of goods letter through the door yesterday nothing else (except a text tonight saying "You IGNORED our Removal Notice the REMOVAL UNIT is operating in **** ***. Call NEWLYN NOW on 01604633001 to arrange. Ref: *******")

 

I had two letters in December to my present address from the council so they obviously have this address as my last known address.

 

The charges must total £353.43 as that is the difference between what the council told me the debt amount is and the total on the newlyn letter

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In that case the bailiff cannot charge the £235 enforcement fee. My suggestion is to get on to the council tomorrow, explain that the bailiff has added the enforcement stage fee without giving you a notice of enforcement. You suspect that they sent it to your previous address but legislation is clear in that it must be sent to your usual address. The legislation is the Taking Control of Goods Regulation 2013 part 8(1):

 

8.—(1) Notice of enforcement must be given—

 

(a) by post addressed to the debtor at the place, or one of the places, where the debtor usually lives or carries on a trade or business;

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Thanks, i will compose some dort of letter for the council.

I am however concerned this baliff will rock up when I am at work and my partne/kids are home.

 

Can i mke the baliffs bck off given the situation with the letters or lack of letters etc

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Hide any car, keep all doors locked and tell your wife not to let the bailiff in he might claim he as a right to force entry, not so for Council Tax.


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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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i will also compose a letter for newlyn pointing out the lack of NOE meaning the control of goods letter is invalid/unenforceable (isn't it?)

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From elsewhere:

Different enforcement address

 

If after an initial attendance, the debtor is found to have moved to a different address, enforcement can take place at that address, provided a new notice of enforcement (NoE) is sent to the debtor there.

 

If the creditor has reason to believe that the debtor may have moved, it may be worthwhile undertaking a trace before starting enforcement action, so that the NoE is sent to the correct address first time round.

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well bottom line is no NOE has ever been received at my current address and thats the basis of my letter bsically

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barking up the wrong tree...

 

as I said..

 

With council tax enforcement, a local authority are required to use the 'last known' address.

Did you notify the local authority of your forwarding address when you moved in october?


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

 

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the local authority which i assume is the council wrote to me at my current address at the beginnin of December.

Newlyns posted by hand a letter 8th January (dated 2nd january)

 

As i registred on the electrol role and registered the council tx for this property in October I assume that counts as informinmg them of my forwarding address.

 

I don't understand why they can claim its ok to post the NOE (IF THEY DID) to my previous address when it is clear they both have my bew address as they have both used it to deliver correspondance

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good you have proof. [assuming current and then councils are the same?]

now use it to your advantage.

poss even a complaint straight to the council ceo if your council ctax dept is run by capita .


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

 

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forgive my naivity but a complaint about what exactly?

tbh i thought i would need to contct newlyn as a priority given tht they have said they will return and i dont wnt the kids scaring etc

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