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    • so the debt is statute barred then more than 6yrs since your last payment?  
    • what is an OCA letter? you follow post 2 as stated. dx    
    • pop up on the bulk court website detailed on the claimform. [if it is not working return after the w/end or the next day if week time] . When you select ‘Register’, you will be taken to a screen titled ‘Sign in using Government Gateway’. Choose ‘Create sign in details’ to register for the first time. You will be asked to provide your name, email address, set a password and a memorable recovery word. You will be emailed your Government Gateway 12-digit User ID. You should make a note of your memorable word, or password as these are not included in the email.  then log in to the bulk court Website .  select respond to a claim and select the start AOS box. .  then using the details required from the claimform . defend all leave jurisdiction unticked  you DO NOT file a defence at this time [BUT you MUST file a defence regardless by day 33 ] click thru to the end confirm and exit the website .. get a CCA Request running to the claimant . https://www.consumeractiongroup.co.uk/topic/332502-cca-request-consumer-credit-act-1974-updated-january-2015/ .. Leave the £1 PO unsigned and uncrossed . get a CPR  31:14  request running to the solicitors [if one is not listed send to the claimant] ... https://www.consumeractiongroup.co.uk/topic/332546-legal-cpr-3114-request-request-for-information-when-a-claim-has-been-issued/ . .use our other CPR letter if the claim is for an OD or Telecom Debt or Util debt]  https://www.consumeractiongroup.co.uk/topic/332546-legal-cpr-3114-request-request-for-information-when-a-claim-has-been-issued/ on BOTH type your name ONLY Do Not sign anything .do not ever use or give an email . you DO NOT await the return of ANY paperwork  you MUST file a defence regardless by day 33 from the date on the claimform [1 in the count] ..............  
    • Which Court have you received the claim from ? Civil National Business Centre, Northampton Name of the Claimant ? CA Auto Finance UK Limited How many defendant's  joint or self ? One (self) Date of issue –  02 May 2024 Particulars of Claim What is the claim for – Unpaid car loan 1. By an agreement in writing dated 26 November 2015 and made between the Claimant and the Defendant, the Claimant loaned the Defendant a sum of money. The agreement was Regulated. 2. The Defendant failed to make payment of the sums due and the Agreement was terminated by the Claimant. 3. On the 7 February 2019 the balance due from the Defendant was £8,196,38. The Defendant has paid £0.00.       THE CLAIMANT THEREFORE CLAIMS  1. £8,196,38 2. Contractual interest to the date hereof £0.00 3. Further interest at 10.70 per annum (£0.00) per day until judgement or sooner payment. 4. Costs to be assessed. CLAIMANTS CLAIM £8,196.38                                         What is the total value of the claim? £8751.38 Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? No Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? No Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Car Loan When did you enter into the original agreement before or after April 2007 ? After Do you recall how you entered into the agreement...On line /In branch/By post ? In Branch Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? Yes Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Original Creditor was FCA Automotive Services UK Limited Were you aware the account had been assigned – did you receive a Notice of Assignment? No and No Did you receive a Default Notice from the original creditor? Yes Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? No Why did you cease payments? Unaffordable What was the date of your last payment? Feb 28 2018 Was there a dispute with the original creditor that remains unresolved? Yes (irresponsible lending and they did not supply all documents when CCA sent. The Terms and Conditions they sent as part of the request were different to the original Ts and Cs. Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No
    • Thank you. You contacted directly with the parcel broker so your best option is to proceed directly against them for breach of contract. I hope you have read enough to understand that you will not be able to rely on the Consumer Rights Act 2015. Do you understand why? Have Parcel to Go giving you a reason for declining reimbursement? Do you have anything in writing from your customer which shows that they did not refuse delivery and which identifies the actual circumstances of the situation?
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Council tax recovery fees wales


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Hi All

 

I have a dispute with the council regarding council tax from 2020/21 year.   

 

I should not have paid council tax at all that year as I was made instantly unemployed on lock-down day without any notice and was therefore entitled to relief,

 

they made a complete mess of my application for relief and then started to harass me for payment of the council tax 7 months later with no communication in between.  The mess they made is well documented and evidenced with email trails.

 

The communications were frustrating, back and to and they were very unreasonable about the cause of the unpaid tax and their failures and every time I complained,

 

I got a standard response which did not address any of my points raised so they never actually addressed the specifics of my complaint.  I gave up in the end and decided to pay it the following year along with my current bill, as I was back in work by then.

 

I have therefore paid the council tax in full and have nothing outstanding including this current year.  I never should have paid the 20/21 when I had no income but just wanted them off my back to be fair.

 

However, they had applied legal and recovery fees of over £500 which I refused to pay on top of the council tax itself which in itself, was around £2400 per annum.

 

Even though the only thing outstanding is recovery fees, they have now issued a summons to magistrates court for a liability order for the outstanding recovery fees.

 

My question is, can they do this?  Are recovery fees alone, the same as council tax and can therefore be made the subject of a liability order under the Council Tax Act?

 

In addition, if I do have to attend court, can I ask for reasonable adjustments as I am disabled and cannot travel distances yet the court they have chosen is over 50 miles away and I would really struggle to get there.  Is it reasonable for me to ask for the case to be moved closer to my home to prevent this difficulty?

 

I've tried speaking to the council recovery team a number of times but they are behaving like complete bullies. 

 

I'd appreciate some help if anyone knows whether recovery fees can be treated the same as council tax and recovered through the magistrates court which will of course incur even more fees. 

 

 

 

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  • dx100uk changed the title to Council tax recovery fees wales

Have bailiffs been involved?

cant be until the LO is grantwd?

unless wales is a diff system!!

 

i'll go look

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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Thanks so much dx100uk.   Bailiffs were involved during the 2020/21 year, hence the outstanding recovery fees of £500 added to my account.

 

At the time that they messed up my application for relief and then presented me with a huge bill after 7 months of silence, i was still unemployed and could not pay.  They got a liability order which was then pursued by bailiffs for a sort time, before it was returned to the council who then added the fees onto my next years bill.   

 

I paid the council tax in full for 20/21 despite being unemployed for more than that whole period and I've also paid the subsequent years, but have refused to pay the fees from the time they messed up.  I thought it more than fair that I paid the council tax itself despite being entitled to relief, and think they should write off the fees associated but they are being bloody-minded and unreasonable.

 

All that is outstanding this ear are those fees and it is that which they are taking to magistrates court.  

 

I believe Wales works on the same system as England.

 

Thanks for your help. 

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£500 is not correct

 

@£75 notice of Enforcement

@£235 visit fee

the max any bailiff can charge on a CTAX LO is £310 no matter how many times they turn up

end of.

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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