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    • Hi  I do apologise as I don't know where to put this question.   My wife is self employed and her business is closed to to Covid 19. She has lost all future bookings  and has no earnings. I am retired with a State Pension. We have applied for Universal Credits which has been granted - payment middle of April , so that's great. We applied for the Small Business Rates Grant - £10,000 to help with business expenses - she intends to open trading again  ASAP, and there are obviously supplier contracts and services that need to be paid for, plus we modernised premises this year ( as we had lots of bookings) and our personal Credit Card debt is approx £9500.   I know we would have to notify Universal Credit about the Grant, but would she still be entitled to U.C payments? The business is hers , so I presume I am still eligible for U.C   Many Thanks thedrunkenmonkey
    • Neighbour who has garden at end of mine (fence to right as they look down their garden but crosses various gardens as I look down from my house) is requesting that I repair a damaged fence as her dog keeps coming into my garden.   Am I responsible to repair it (my part of fence)?    I have looked at various websites but not very clear.   Neighbour said they erected and put up a fence to their left as they look down their garden but stressed that I was accountable for part of fence to the right.   Thank-you for looking at would appreciate any guidance for confirmation.    
    • Are you or do you wish to use the vehicle until we succeed with arguing and you succeed in VT?
    • Hi I hope all are ok in these trying times. I assume most of us will be in the same situation with employment etc.   I am obviously still intending to follow through my complaint against MB. However I do have to make decisions as I have found myself as will most people at this time left with a reduced minimal income, with all I can forsee is an impending up hill struggle for the forceable future.   So not sure what, if any options I still have, I am presuming VT was only an option earlier on and a court CO excludes that option,    I cant continue to honour the finance payments and cant even begin to estimate any timescales I would be again financially stable.   im trapped but want, no I need to get rid of MB all together, they can have the car and I learned the expensive way!   MB recently emailed a letter (which is copied below) in it they refer to a recent termination, this is the part that is very confusing as its my understanding they terminated the agreement in March 17.   They also inform they have placed the collections on hold, but then heres the cheeky bit, they do however want me to store the vehicle, tax and insure it, as per the agreement (the agreement that they already state was terminated) until they continue with their collection process;   Due to the Coronavirus (COVID-19) pandemic currently affecting the UK and wider world, we’re emailing to update you on what will now happen regarding the collection of your vehicle, following the termination of your Moneybarn vehicle finance agreement.   We won’t be collecting the vehicle at this time Normally, following termination of your agreement, we would arrange for an inspection and collection of the vehicle. However because of the current Government imposed lockdown, we are not currently able to collect vehicles until further notice.   What will happen next? Nothing for the moment. We’ll contact you as soon as there are any developments in the Government’s stance and we know that we’re able to resume our normal vehicle collection activity.   What do you need to do? We would appreciate if you can please keep the vehicle taxed and insured for the time being, as per the terms and conditions of your finance agreement. We hope this information is helpful and clear. Please stay safe and well, and if you need to contact us with any questions, please check out the latest information on the best way to reach us at   So they state termination, then expect to lay down instructions for me to comply with as per my finance agreement T&Cs. To look after the vehicle that they do intend to continue collection of.   If everythings terminated and in other words I have no right to the vehicle, Im not prepared to comply with instructions in line with a non existent agreement (I dont have to) and have a good mind to charge them storage.   However l would much rather just leave the car, send off V5 to change ownership and be done with it and concentrate on getting justice for their mistreatment.   
    • No it isn't funny, but there have been murmurs on Social media, dfesn't take much for twitterati and FaceBork to go off on one. Some in our area have been on about shooting the Goats in case they spread the virus, people in a panic are unpredictable.
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Michael Browne

Review of enforcement agent (bailiff) reforms: call for evidence

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Thank you Micheal for starting the thread.

 

The Taking Control of Goods Regulations were introduced in April 2014 and by now, the government had pledged to undertake a Three Year Review. Instead of focusing on the much needed and long overdue changes that are necessary to improve the ways in which debts are enforced by bailiffs, the tax payer funded 'advice sector' (Citizens Advice and Stepchange etc) are using this consultation to YET AGAIN, pursue their own policy agenda which is to force the Government to appoint an Independent Regulator. Worse still, they are looking to achieve this.........by misleading the public and government with false and misleading data.

 

The following page from the Citizens Advice website is a good example:

 

https://www.citizensadvice.org.uk/about-us/our-campaigns/all-our-current-campaigns/bailiff-reform/

Edited by Andyorch
edited

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The following page from the Citizens Advice website is a good example:

 

https://www.citizensadvice.org.uk/about-us/our-campaigns/all-our-current-campaigns/bailiff-reform/

 

Scroll to the bottom of the above link and you will be taken to a CAB Blog entitled: Bailiffs are Breaking the Rules and They are Getting Away with It. Since last November, there is just ONE 'example' of a bailiff 'breaking the rules'.

 

https://wearecitizensadvice.org.uk/bailiffs-are-breaking-the-rules-and-theyre-getting-away-with-it-eb1d920548e0

 

That page has received 62 'thanks' (which CAB refer to as 'claps'). None are from the public. They are from these 4 people:

 

https://wearecitizensadvice.org.uk/bailiffs-are-breaking-the-rules-and-theyre-getting-away-with-it-eb1d920548e0

 

So, what EVIDENCE are Citizens Advice relying upon to substantiate their bizarre claim in this page that in the past TWO YEARS, they have found that 2.2 million people report being contacted by bailiffs and more that a third of them (850,000) people....have experiences bailiffs breaking the rules.

 

https://www.citizensadvice.org.uk/about-us/policy/policy-research-topics/debt-and-money-policy-research/a-law-unto-themselves-how-bailiffs-are-breaking-the-rules/

Edited by Bailiff Advice

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Furthermore, Citizens Advice claim that their survey supposedly found that:

 

6% had seen bailiffs use force to break into homes

 

21% had experienced an intimidating phone call

 

24% of people polled had an affordable payment offer rejected

 

17% experienced a threat to break in, (excluding magistrate court fine enforcement)

 

3% experienced bailiffs entering the home when only children were present

 

12% of cases report bailiffs visiting the home outside ‘reasonable hours’ of 6am and 9pm

 

19% report being charged VAT on top of bailiff fees

 

24% report being told that a payment arrangement could only be set up if an enforcement agent makes a personal visit.

Edited by Bailiff Advice

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So, the important question is: How did the CAB arrive at these alarming figures?

 

The answer......they simply carried out a short survey and relied upon responses from 277 individuals. More later on......

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