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    • First of all it sounds as if your retailer is very decent and very responsible. This itself is unusual in these kinds of circumstances and I think we need to bear this in mind. The guarantee is not particularly relevant and in fact the dealer had a statutory duty to exercise a certain responsibility for your computer – probably for several years as their obligation under the consumer rights act. The dealer may not have known this and it simply acting out of a sense of moral responsibility and that is even more noteworthy. You've already suggested earlier that you didn't really want to cause problems for your retailer. I think that you will need the help of your retailer as well in order to get information and evidence. I suggest that you proceed against DPD – but before you do that – I suggest that you have a discussion with the retailer. Tell them that this is what you are going to be doing and you would like to have a copy of anything they have which relates to the special instructions which apparently your dealer has already informed you about in relation to where item should be left. Secondly, maybe you should tell your dealer about this site and also about this thread. I can imagine like many dealers who are frequently sending items by means of couriers, they have had things go missing. Tell them that we will be very happy to help them recover money for lost or damaged or stolen items – and that is regardless of whether or not they have purchased insurance. Apart from being very pleased to help your dealer recover items which have been lost by irresponsible parcel delivery companies, I think we need to encourage the complicity between you and them so they will be pleased to support you in your claim against DPD. It will be helpful if you can get a copy of the instructions that you have referred to above, and also if you can get some written evidence of your own instruction that your laptop should be left in a safe place. Have you done the reading on this sub- forum? You will need to do lots of reading of many of the similar stories on this sub- forum. They won't necessarily be against DPD but the principles will broadly be the same. Also read the pinned topics at the top of the sub- forum in order to understand many of the principles involved. Getting your money back but be quick – but your chances of success are better than 90% that you can bank on it taking anything up to a year. Have you got anything in writing from DPD either refusing you or telling you that they won't discuss with you?  
    • Thank you for telling us the text of the letter you had from the police. As we don't seem to have come across this before, it would be really useful for us to see the original please. HB
    • Pasco has recalled 104,000 packs of sliced bread after rat remains were found in at least two packs.View the full article
    • UPDATE I went rooting through an old box of paperwork I have and I've found the original Default Notice. It is dated **/**/201*, however.. The copy of the Default Notice that they sent with the LBC has a completely different date on it 😮 Can they issue 2 default notices for the same debt? Where they have changed the date on the copy, they have also changed the amount owed through failed payments and how much is required to be paid by a certain date. In addition, they sent (with the 1st LBC) a copy of the termination of the agreement, which I cannot find the original. However, the termination date is 3 days after the date given on the (doctored) Default Notice, by which monies are to be paid by. So, they gave until the 'x' date to pay the arrears, then terminated the agreement 3 days later. I bet a dollar to a dime they've doctored the termination date also.
    • Having looked through the paperwork, I note they have sent 3 seperate LBCs. Two are in the name of FCA Automotive (1st one issued 21 Jan 2020, 2nd one 21 Sept 2022) and the last one (issued 12 Sept 2023) is under CA Auto Finance UK Limited. In the first one, they did send a copy of the default notice, but this was not sent with the 2nd LBC and neither was it sent with the last one either. .  A quick look at the default notice and I see it states the agreement start date was not the same day as the original agreement was signed. It's a day different but do not know if that makes any difference. Also, I note we received a letter on the 16 Nov 2023 which states of a 14 day notice of intention to issue claim form. Heard nothing since that, until this court claim arrived. 
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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Council Tax Arrears - Court Summons!


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Hello Again,

 

I've just been summoned to court (14-12-06) as I am £614 in council tax arrears.

 

Currently I am not working, so it's a bit difficult to pay it from JSA (which is temporary anyway).

 

Is there any way I can stop this court hearing and agree to pay a small sum each week or whatever off?

 

Also is THIS a CCJ? (Never been to court eek!)

 

Any advice would be appreciated.

 

Thanks

 

Adrian

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I do not know the answers to the rest of your questions, I'm afraid, and the best people to speak to regarding it would be your local council tax department. In particular, I am sure that you get reduced council tax when you are claiming benefits, and so may be worth mentioning this to them.

 

However, this is NOT a CCJ. A CCJ(county court judgement) is ONLY put on your credit file if you are taken to court and lose, and you then do not pay the full amount within 14 days. For this reason, if you will not be able to pay the full £614, it is well worth attempting to negotiate some kind of pay off schedule to prevent things going to court. However, the council may well be somewhat less receptive to this than private firms would be. I would strongly suggest NOW paying them as much as you can comfortably afford, along with a realistic schedule of payments you can meet. This will be in your favour with the judge, as it has shown you have attempted to resolve the situation. Can I also suggest posting in another more suitable area of these forums with regards this, other users who do not frequent this section will be able to help you more than my limited knowledge of this area.

7 years in retail customer service

 

Expertise in letting and rental law for 6 years

 

By trade - I'm an IT engineer working in the housing sector.

 

Please note that any posts made by myself are for information only and should not and must not be taken as correct or factual. If in doubt, consult with a solicitor or other person of equal legal standing.

 

Please click the star if I have helped!!

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7 years in retail customer service

 

Expertise in letting and rental law for 6 years

 

By trade - I'm an IT engineer working in the housing sector.

 

Please note that any posts made by myself are for information only and should not and must not be taken as correct or factual. If in doubt, consult with a solicitor or other person of equal legal standing.

 

Please click the star if I have helped!!

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Hello Again,

 

I've just been summoned to court (14-12-06) as I am £614 in council tax arrears.

 

Currently I am not working, so it's a bit difficult to pay it from JSA (which is temporary anyway).

 

Is there any way I can stop this court hearing and agree to pay a small sum each week or whatever off?

 

Also is THIS a CCJ? (Never been to court eek!)

 

Any advice would be appreciated.

 

Thanks

 

Adrian

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The best thing you can do is to contact the council ASAP and explain your situation, as you probably qualify for Council Tax benefit anyway if you are receiving JSA (although it depends on whether you live with a partner etc etc) -

 

Not sure of the forum rules on posting links - hope I'm not breaking any but this is the link for DWPs info on it :

 

DWP - Services and benefits - Council Tax Benefit

 

And no it is not a CCJ, so don't panic on that matter, however the best thing is explain to the council your situation as soon as possible!

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As I said in my other post - phone the council tomorrow and explain.

 

If there is one lesson I have learnt in the past couple of months is always talk to people you owe money too! - In your case though you should be able to claim Conucil Tax Benefit - see my other post!

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I missed several months in the past due to prolongued sickness, and also owing several people money I borrowed from when I was sick and that.

 

I've applied for council tax benefits, but what about the arrears. All £600 of it! Will they allow me to pay monthly or periodical installments ipo court action.

 

I would have thought that court would be pointless given that I have no income and that I am offering a decent payment compared to my other expenses and debt which I'm paying off.

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CB, as far as I know you cannot currently get an attachment against benefits, only wages. I await correction though!

7 years in retail customer service

 

Expertise in letting and rental law for 6 years

 

By trade - I'm an IT engineer working in the housing sector.

 

Please note that any posts made by myself are for information only and should not and must not be taken as correct or factual. If in doubt, consult with a solicitor or other person of equal legal standing.

 

Please click the star if I have helped!!

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that's gonna be fun. I'm paying of £10 a week for a social fund loan I took out while not working ages ago.

 

So if they don't attach, what happens with the arrears? They will need paying eventually, and I am happy to do so when I start work, but I can only pay a reasonable amount, i.e. 30/month or something

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The other methods of enforcement are: baliffs, deducting direct from your bank account and attaching an order to any property you own. Baliffs is the likeliest one. To be honest, never mind when you start working, you need to be paying off an amount before then, even if it is only a token amount. Will you be working full time, when you do start working again? If so, £30 per month seems low, and the court would probably agree - an attachment order is done on a (fairly) fixed calculation, and it would probably come out as substantially more than £30. This is going to sound very harsh, and it is not supposed to, but I get the impression that you want to pay off the debt in a way such as not to inconvenience you. This will not be the case, you will have to make sacrifices to pay it off at a reasonable amount. Of course, depending on what the council say, it may be too late for this anyway.

7 years in retail customer service

 

Expertise in letting and rental law for 6 years

 

By trade - I'm an IT engineer working in the housing sector.

 

Please note that any posts made by myself are for information only and should not and must not be taken as correct or factual. If in doubt, consult with a solicitor or other person of equal legal standing.

 

Please click the star if I have helped!!

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Hi adridude

 

If someone is receiving JSA or contribution-based JSA, the local authority can apply to the local benefits office for third party deductions to recover council tax arrears. Third party deductions can only be made from income support, pension credit, income-based JSA or contribution-based JSA, and not from any other benefit, even if this is being paid in the same order book or giro.

The maximum amount of the third party deduction from income support, pension credit, income-based JSA, or contribution-based JSA if a person has underlying entitlement to income-based JSA, is 5 per cent of the personal allowance for a single person over 25, regardless of the persons actual age and whether s/he is claiming as a couple or a single person. There are also limits on the total that can be deducted from a someones benefit, for example, for council tax plus other arrears. The maximum amount of a third party deduction from contribution-based JSA, if a client has no underlying entitlement to income-based JSA, is one third of the personal allowance for someone of their age.

 

Contact the local authority and let them know you are currently on JSA as you may be entitled to council tax benefit/housing benefit and you may also be able to pay a small amount off of the arrears. Although difficult on JSA, at least you will show you are paying something towards the arrears.

 

Hope this helps.

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Hi Guys,

 

I've just spoken to CLSDirect (Consumer Legal Service Direct) and asked them a few questions about court and making a claim etc...

 

At the moment the Councilis taking me to court due to tax arrears. I've spoken to them and there is nothing I can do about it.

 

What distressed me is that the court has power to ruin my life.

 

They advised me that the court wouldb e able to cancel my gym subscription (£25 a month) and use that to pay my debt off.

 

CAN THEY DO THIS????

 

My life is my sport.

Without it I would be nothing, depressed . Thats why I took it up in the first place.

 

Can someone help me?

it's all I have left, do they have the right to take my health from me?

 

Cheers

 

Adrididude 

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I believe they can tell you to cancel some things deemed not necessary however - excercise is apparently fantastic at combating depression therefore if you get a note from your doctor etc they may let you keep this under health reasons.

 

Its worth a try!

 

Hope i've helped a little.

 

Nathe :)

-----------------------------------------------------------------------

UNTIL MY CASES ARE RESOLVED/WON IM GOING TO KEEP MY SIGNATURE BLANK AS IM AWARE THE BANKS TEND TO TRAWL ON SOME OF THESE FORUMS AND AS MY CASE IS A LITTLE COMPLEX IT WOULD BE EASILY SPOTTED

 

DONT WORRY - THE INFO SHALL RETURN ONCE THE CASE IS RESOLVED/WON

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This is so annoying. I'm seeing my GP at 2ish today so I'll mention it.

 

Regardless, if this judge tells me to cancel my gym and sports, I WILL and I swear call him every name under the sun there and then.

 

I have no respect for someone who doesn't respect someone's elses health concerns.

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oh ok

 

so they expect me to swim down the local canal which everyone ****es in then?

 

Not only that but I've been on the county swimming team for 6 months now. I think that training in a canal isn't exactly county standards :-\

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As far as I know the court can not cancel any gym membership etc that you have. However, if you have asked to pay so much per month based on an I & E form and that includes your gym..then they may say that you are spending money on non-necessities and decide you should pay more than you have stated. Does that make sense lol

Pam.

 

If anything I've said helps you then please feel free to tip my scales!

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non-necessities? Would gym come under that? As far as I'm concerned, without excercise and that I'd go straight back on the bottle and prolly end up in a grave within a year.

 

As i previously said - they cannot take something away from you if it is beneficial to your health - the last thing they want is someone to commit suicide etc, explain this to your doc, also once you go to court explain it to your solicitor and hand over any letter from your GP, its your solicitors job to advise the judge of your circumstances etc.

 

I would HIGHLY recommend NOT calling the judge every name under the sun as he will most likely hold you in contempt of court, but i doubt it would get to the stage where he/she will order you to stop going to the gym.

 

Especially not with the reasoning you have provided - like i said, get something from your doctor!!

 

Hope this helps.

 

Nathe

-----------------------------------------------------------------------

UNTIL MY CASES ARE RESOLVED/WON IM GOING TO KEEP MY SIGNATURE BLANK AS IM AWARE THE BANKS TEND TO TRAWL ON SOME OF THESE FORUMS AND AS MY CASE IS A LITTLE COMPLEX IT WOULD BE EASILY SPOTTED

 

DONT WORRY - THE INFO SHALL RETURN ONCE THE CASE IS RESOLVED/WON

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Have you tried talking to your doctor as Nathe has already sugested twice!

Creation Financial Services--S.A.R - (Subject Access Request) sent 18 Oct

Statements received 28 Oct

PAR sent 30 Oct for £910 Credited £282 as Good will Offer

LBA sent 28 Dec for £730

N1 filled out, but they phoned and settelled in full 19 Jan:D

GE Capital--S.A.R - (Subject Access Request) sent 18 Oct

Capital One---S.A.R - (Subject Access Request) sent 18 Oct

Great Universal(Littlewoods Shop Direct--S.A.R - (Subject Access Request) sent 18 Oct

PAR sent 19 Jan

 

Nat West--S.A.R - (Subject Access Request) sent 26 Oct

Received 27 Oct

Acknowledgement received 28 Oct

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