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    • What is the name of the window cleaning business? Have you taken photographs of the dirty windows et cetera?
    • i would suggest that you stick to researching on here only. use our search top right for say CTAX or liability order.   you seriously have some wild theories, but those are understandable.   as i have said, there won't be a court hearing you need nor would that help you at all nor are expected to attend, it's not like that, it's merely a rubberstamp exercise .   there is no right of forced entry for bailiffs collecting CTAX debts. the bailiff process is one of a letter which will be entitled Notice of enforcement, this gives you 7 days to pay the sum it outlines with an associated fee of £75 for it being sent. the 2nd step will be a visit, you have no legal remit to engage with them at all, i i would not do so under any circumstances, that visit will add a further £235 fee those are the only things a bailiff can do. the most they can charge is a total of £310.   police do not ever get involved in civil matters like CTAX debt. not sure where you ever got that idea from.   its saturday now so use the W/end wisely, get reading up HERE ONLY it might well pay you on monday to go RING the council CTAX dept and plead poverty etc etc. it might also pay you to find the email address or even better phone number of your local MP and get him involved. they can do wonders.   dx 
    • NPAP see here: VCS Spycar PCN PAPLOC now Claimform - no stopping - London Southend Airport ***Claim Dismissed*** - Page 7 - Private Land Parking Enforcement - Consumer Action Group
    • Hi Stu and dx1000uk,   I have done the online assessment and as I suspected I already receive the maximum benefits available to me.   Yes I was referring to the fact that some times I know that non-payment of council tax can lead to imprisonment so thanks for clarifying.   let's say I can't make their demands for payment and they do send bailiffs in, I assume these are the type of bailiffs I can just not let in and then after a certain amount of attempts they give up right? does the council then not send the police round? This is what I can't work out and worries me.   The council already know that I am struggling and can't make the payments but when do I get my chance to tell a court or the police that it's not that I don't want to pay but that I can't pay?    Walshy
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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!
       
       
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    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
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car cash point LBL - Burlington/Marstons wants car Urgent help _ Live in NI


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Absolutely the right way to go  Yes it hurts to pay them more  But an irl claim will likely get this back and a lot more  You have reduced the interest rate on your loan, saved the cost

It has protection s yes - but as yours is not hp but a pers loan, the 1\3rd bit does not apply. The rest does.

 

did you get ahold of step change ni so you have breathing space for things to be investigated.

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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I already am just started a debt management discussions with payplan to try and get my finances on track.

 

The problem being rightly or wrongly I did not make them aware of this loan as I knew the amount they offer other creditors is too little and I was concerned I would lose my car which is why I felt a repayment plan directly with CCP was best.

 

I now am panicking about approaching payplan on Monday to tell them this. The amount they will offer CCP will certainly not be enough to appease them. 

 

As part of my letter of complaint to CCP I stated I have entered discussions with payplan for a debt management plan and can provide you with a reference number going forward.

 

Under the CCTA you must allow me 30 days for them to contact you with repayment proposals as you have failed to accept mine.

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The sad fact is its far better to never involve dmp providers as they do nothing to check if you actually do owe any of your creditors anything esp if the debt is very old or with a DCA.

 

but for the minute needs must you can always cancel it.

 

let things run for now till we have the sar return and results of the complaint.

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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So should I speak to payplan on Monday and have them contact them or am I best to let things sit as they are for now until CCP come back to the complaint as I at least should have until 31st January or am I thinking completely wrong?

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it looks that way too to me.

i don't think you are in any danger of the car being snatch until it been addressed by them as well.

just don't do anything silly like leave it overnight on the public highway just to be safe.

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 you are going to have to put payplan in the picture 

Agree with dx that they are unlikely to try anything then whilst the matter is being addressed 

On the bright side here is an outcome of a complaint to the fos that may interest you https://www.financial-ombudsman.org.uk/decisions-case-studies/case-studies/my-lender-has-said-itll-take-my-car-because-i-cant-afford-to-repay-my-logbook-loan

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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Thanks TOR.

 

Funnily enough I came across that very complaint last night whilst browsing.

I have no doubt that I have a good case for ombudsman.

 

If I was continuing paying this by the time I finish I will have paid 8600 or thereabouts for a loan of 2000.

Absolutely shocking.

 

I know for the most part it is made clear at the start but I was desperate.

My weekly payment is 50 and last week I offered 150 per week as my bf was going to try help me.

 

I told them in the complaint that 150 was not even affordable to me but to try and clear the loan ASAP I was getting other help. They rejected 150 per week which is shocking also. 

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Would help

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

Well they cant charge £300 recovery costs

If they jumped to soon and owe that to burs thats their tough luck!

 

its very revealing they have removed more than 50% of the debt

shows you how much else its inflated by unlawful fees.

 

can you borrow £1500 from family? Might be better to kill it dead.

else i think its time order time but that will be for the whole sum and then argue / sar for these fees.

 

sEE what @theoldrougetheoldr says

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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I don’t think I can borrow that money from anyone unfortunately. They have ignored so much of my complaint. 
what about the fact they won’t give me 30 days due to debt management involvement and also what about the fact no repossessions until 31st January and they have ignored other points on my complaint also. 
I feel so backed into a corner now with no way out unfortunately 😞

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They haven't said about those as they are making you an offer, if you accept, they don't need to address them. Wheres the rest of page 1? Bottom missing?

 

Its also worth y to note they havent said what they propose to do they simply want you to reply  so stop panicking ..

 

in effect all the have done is admit the debt is 50% greater than what it should be. And as we normally find thats not all they should be removing.

 

Dx

 

 

 

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

That change s nothing good.

 

This sar is going to be revealing.

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

read what you sent sar...they must disclose everything they hold relating to your personal information and dealings with you.

that means ALL the statements, all documents and the manual intervention log ( their account notes) 

 

just imagine if it shows they acted wrongly against regulations...or heaven for bids...£100's of £'s more of unlawful fees they are not entitled too, like what they have already tried on...the unlawfully £300 repo fee...

 

if you bite our carrot we'll still scam you!

wake up at the back please...

 

its also why they have not said what they might do if you don't bite the carrott...  they want to see if you'll bite then you'll never find out.

 

we will respond but in our own time to them.

 

dx

 

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

I was going to go back to them tomorrow and ask them to explain why they have ignored almost all of the points I have made to them. I was also going to advise that I cannot be expected to raise 1800 in 2 days and that Surely that is going against all the ethics they should be promoting as part of CCTA and FCA. Also they say they cannot hold my account due to debt management company as it has already been escalated. Surely that’s nonsense also. 
 

I also made a complaint re the enforcement officer who initially contacted me. I will put up a copy of my complaint to them and their reply. 

 

 

burlington comms.pdf

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they weren't enforcement officer, they were a powerless DCA.

 

the point of only getting 2 days to raise £1500 (not £1800 the £300 repo fee is an unlawful penalty) is one we shall use.

BUT!!!.......

you can't call the kettle back , you've had more then 12mts to sort this out, you haven't, so the other points are pretty much irrelevant, it works both ways .

 

your reply has got to be very very carefully worded in most certainly wont be tonight nor tomorrow you should answer poss by friday, you rush back with a poor reply you play right into their games. don't!!

 

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... 

Link to post
Share on other sites

How do I know what to reply though and how to get it right. 


I may have had 12 months to sort it but I simply have not been able to afford to keep it up.

In December I had high hopes but circumstances completely out of my control at that time meant rightly or wrongly my bank account was not on my mind.

 

Bear in mind I have taken out 2000 and paid back 4700 or thereabouts.

So it certainly isn’t the case that I never ever paid them or tried to run away.  

I have made substantial payments throughout these couple of years. 

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You might not owe anything....

 

as i said we'll help with the reply

slow down

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... 

Link to post
Share on other sites

I felt that also to be honest.

They can’t just decide to say what they like?

 

Surely if both bound by FCA rules they have to abide by them re no repossessions.

How can they say they don’t?

You will see the DCA saying it is incorrect about no repossessions but what they are saying is completely wrong 

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