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    • Excellent work!   I'd suggest a couple of tweaks.   In (1) it's just easier "The Defendant is the recorded keeper of xyz".   (3) should go at the end.  It's the summary and catch all clause.   Cut out (6).  CPR is evidence for the other points.   I think the bit about contempt of court is unnecessary, it's generally used in Witness Statements.   See what the others think, but I would be tempted to beef up (4).  Leave it as worded but at the end add "The non display of the permit is "de minimis".  Similarly leave (5) exactly as it is but conclude "Therefore I enjoy Supremacy of Contract".    
    • Can you post another copy here so we have it all together.
    • For reference.....   https://www.legislation.gov.uk/ukpga/Vict/45-46/43/contents     https://www.blakemorgan.co.uk/bills-of-sale/   Andy
    • A few thoughts.   1. Providing those percentages are accurate that should be fine.   2. There is no need for an actual signature on the form. Just submitting it valid enough.   3. Are you sure the form asks you to mark the box if your income is OVER £6365? I think you may have misread. The entry is usually needed if your income is UNDER £6365 AND you still want to pay Class 2 NIC voluntarily. If your income is greater than £6365 I don't think you need to mark that box.   4. Remember - the filing of the Tax Return itself is handled by one section of HMRC, different from the section that tracks your payments. The Tax Return does NOT want to know about any money you sent to HMRC.  The reference to  "underpayment or underpayment from previous years" refers to PAYE tax codes where you are in employment. In short this box does not refer to you, as a self employed person,  and should be left blank. Your various overpayments from the past and "payments on account" for 2019/20 will be processed by the collection department computers after your Tax Return is submitted. If all goes as it should then everything will come out in the wash. From what you describe I think you still have that £800 credit on your self assessment account. If so HMRC should use that credit to cover the £400 you say is now due leaving £400 credit remaining on your account. Bottom line - submit the Tax Return THEN go into your account a day or two later to check the balance owing to them  or repayable to you.   Good luck.
    • Yea I understand what you mean, but the difficulties with paying etc didn't arise until July, everything was grand up until then. Its just strange that with chartsbridge usually being quite prompt in replying, they've done the same and blanked me when I highlighted the issues with the default notice, and ccp giving them wrong information....    Will submit a sar for sure... 
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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
      • 31 replies

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DO NOT IGNORE THIS MESSAGE.

An Enforcement Agent may be allocated to your account and your goods may be removed.

You can pay now using this link [removed]or contact CDER Group on 0330 107 0023, Ref ..... Security code .

If anyone in your home has symptoms of COVID-19, is self-isolating or has been advised to shield, please contact us on 0330 107 0023 before we visit you at home

 

😥😥😥😥

I think this is in relation to a loan by Student Finance England (SFE).?

However I am unemployed and sick and in my previous job some of the loan was taken from my pay slip automatically.

But this only occurred if I earned a certain amount.

What do I do?

How do I deal with CDER and the threat of them entering my home and removing things.

I'm not sure what I owe, though I believe it is thousands.

 

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Hello and welcome to CAG.

 

People will be along later to advise you, please bear with us until they're able to get here. :)

 

In the meantime, I suggest you edit your attachment because you've left your name on it. Please check it carefully and remove anything that can identify you. [done - dx]

 

HB

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Illegitimi non carborundum

 

 

 

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looks like someone has got a backdoor CCJ against you using an old address regarding an old student loan.

 

go look at your credit file see what it says.

 

just be clear on this..

it's a civil debt regarding a loan.

do not engage with the bailiffs at all

do not let them in if they turn up

there is NO right of forced entry upon bailiff use on debts resulting from a CCJ.

 

dx

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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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And how do I get to my credit file 

Thank you

I'm new here and I just heard that I can get support here

I clicked on credit file and came across a list of stuff that I don't understand

But thanks for removing the link

Plus also the other guy for reassuring  me that bailiffs can't come in

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  • Thanks 1

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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Share on other sites

Is there a reason why you believe that the debt relates to a Student Finance loan?

Have you received previous communication about this debt from a debt collection company?

 

For the sake of clarity, the most common debts that CDER enforce relate to parking and road traffic contraventions; most commonly, for Dart Charge and Transport for London (amongst many others). 

  • Thanks 1
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and what happened?

 

 

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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