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    • Sorry, but we need to see the entire claim form in PDF. Scanned. I'm particularly interested to see the description of the parties. Also, I notice that you said that you would provide further details of your claim. This was unnecessary – and probably you shouldn't have done it. Have you sent them something now?
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    • and here is the Hermes response:   Intention I intend to defend all of this claim   Signed I am the Defendant REDACTED Hermes Legal Department 19/10/2020
    • Here is my claim:   Particulars of Claim I posted the Item at a collection point which I was provided the following tracking number: REDACTED The tracking did not update past the point it was collected from this shop, and I had flagged this up from the 6th. PackLink have offered compensation amounting to £25 which I have refused. They do agree that the parcel is indeed lost, but are not willing to payout the value of which the item sold for. PackLink have refunded me the cost of the label which amounted to £7.08 There is a packlink reference number for this case, which is: REDACTED In essence, PackLink admit they are at fault, but are not willing to compensate me for the full value of the item at its sold price. I will provide the defendant with separate detailed particulars within 14 days after service of the claim form.   Details of claim Amount claimed£1,490.00 Court fee£70.00 Total amount£1,560.00
    • Thanks for your reply, yes they got the items back undamaged.    The police got of to sign the recorded warning but the man in tesco didn't have me sign anything, he just took my name and address,  didn't ask any other questions or say anything about a "fine"   Was just a one off.  I had just lost and buried my 21 year old nephew.  So really wasn't in right frame of mind. Deffo wont be doing that again.  Nearly 30, with a clean record up till now so was a big shock for some stupid items that I had the money to actually pay for.     I'm currently in the processes of being refereed to a therapist. To try and help.    I'll make sure that I update this if I recieve any more letters from them and I'll make sure to keep them. 
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    • I came across this discussion recently and just wanted to give my experience of A Shade Greener that may help others regarding their boiler finance agreement.
       
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    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
       
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
       
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
       
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
       
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
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Council Tax and Bailiffs ref only - NO POSTS ALLOWED


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hi guys sorry to bother you all i sent the letter at the start of the thread to equita and my local council but had no reply from either and today an equita bailiff has hand posted another letter through my door, ive tried making contact with them but recieved nothing back. what now?

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Did you send it recorded mail ? Don't quote me on this but as I recall if you make an offer and they fail to respond but you can prove that they received the offer then you have dispensed with your responsibility to make an offer of payment. If they don't respond then they forfeit any right of complaint.

 

Obviously you sadly still have to pay Council Tax but you could potentially use that as an argument to get your council to respond.

__________________

Capital One - Took them to court and they settled for the full £998

Aqua - Threatened legal action, they refunded the whole £424

Barclaycard - Threatened legal action, they refunded the whole £636

RBS/Universa - 1st letter sent, settled for £132

Virgin Media - 1st Judge great....second Judge couldn't even be bothered to read the case details

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i would like to say,i have received a letter from my MP who is looking in this matter of council tax bailiffs etc....will let you know the outcome...

 

 

well heres hoping he does something for you the way you have been muck around is appalling

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well heres hoping he does something for you the way you have been muck around is appalling

 

i agree hallowitch...i feel its so bad....first they tell you , youre entitiled to benefit then not...seems they need to know what their doing, something is not right..anyways will let you know

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if i was you i would subject access request the council and hand all the paperwork you receive over to the MP and show him exactly whats being going on with this fiasco and demand he sort it out

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hi first time on here

and am looking for some advise or help please ....

i have just had a bailiff letter threw my door today hand delivered in no envolope

but before i knew of this site i rang them (EQUITA BAILIFFS) ..who said i had to get

£1031.62 asap for a council tax liabilty order

i then went to my local council office

who said they couldnt get it back from the bailiff and i would have to deal with them.

i have offered to pay them £40 a month.

as i only work seven and a half hours a week

my partner only works seventeen and a half hours a week .

so there is not much money coming in

then my son mentioned this site

is there anybody out there that can help me with this matter.if you need any more info ..i will reply asap...

hope this is in the right place

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was this just a letter or have they made a levy on any goods outside the house? I.E. car or garden items?

the coulcil CAN take the debt back especially as you are on a low income.

 

dont worry about them asking for the full payment as they always ask for this, and in my experience...they never get it.

im not sure if bailiffs are governed under the OFT's Debt collection guidance or not. ( im sure Hallowitch may know under her guidance of Shiela);)

 

it states there Physical/psychological harassment 2.5 (f) 'pressurising debtors to pay in full, in unreasonably large instalments, or to increase payments when they are unable to do so'

 

please dont be pressured by these people and DO NOT let them into your house or open a door or window to them. unless you have signed a levy with them (reading your post you have not) then they have NO legal right to enter your home. but once they are in its a whole different ball game.

I'm no expert in things really but i do have 36 years of experience in life, and some of those years fighting off bailiffs.

Nicknamed Victor Meldrew among friends as i love to complain!;)

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Please please can some one help me. A bailiff from Rossendales came around 2 months ago and my husband signed a walking possession agreement with out knowing what it was. I filled in the form about our income and out goings and sent it back to them with an offer of paying them £20 a month as we are on a low income and trying to paying off other debts. They sent us a letter asking for £120 a week which we could not afford to pay. My husband contacted them and said we could not pay this amount but they were not interested in listening. The next thing while I was out a bailiff came around and left a Magistrates Liability order/ Distress Warrent for £1473.89 and the bailiff contact name and number.

 

My husband phoned the bailiff (Stev Curnow) and asked him if we could pay instualments but the bailiff said no and he wanted the full amount in 7days. So my husband contacted the Rossendales office and they said that the bailiff could except instualments. After leaving several voicemail messages Stev Curnow got back to my husband and he in formed Stev that we could only raise £550. He excepted this amount and met my husband at his work place to collect the money. But he would only take £535 and not the remaining £15 pounds as it was in change of £1 coins. He said it was incoveneant to take the change. My husband again offered to pay Stev instulments each month which he would not except unless we payed him £900. (wich ment we had £400 to find) He said he wanted this to be payed by the monday. (4 days latter)

 

Stev Curnow then contacted my husband today (monday) and my husband told him that we can not raise that amount of money in such a short amount of time and would he give us longer. Stev Curnow would not give us more time and told my husband that he would be around to the house on Wednesday to empty our house of goods.

 

We just can not find this amount of money and I do not know what to do now. We have 3 children aged 12 years, 18 months and 5 months and I need to be able to feed and clothe them. I am really scard they are not even going to be able to have Christmas prescents.

 

Please Please can some one give me some advice. ASAP as this Stev Curnow is coming around in 2 days.

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Please please can some one help me. A bailiff from Rossendales came around 2 months ago and my husband signed a walking possession agreement with out knowing what it was. I filled in the form about our income and out goings and sent it back to them with an offer of paying them £20 a month as we are on a low income and trying to paying off other debts. They sent us a letter asking for £120 a week which we could not afford to pay. My husband contacted them and said we could not pay this amount but they were not interested in listening. The next thing while I was out a bailiff came around and left a Magistrates Liability order/ Distress Warrent for £1473.89 and the bailiff contact name and number.

 

My husband phoned the bailiff (Stev Curnow) and asked him if we could pay instualments but the bailiff said no and he wanted the full amount in 7days. So my husband contacted the Rossendales office and they said that the bailiff could except instualments. After leaving several voicemail messages Stev Curnow got back to my husband and he in formed Stev that we could only raise £550. He excepted this amount and met my husband at his work place to collect the money. But he would only take £535 and not the remaining £15 pounds as it was in change of £1 coins. He said it was incoveneant to take the change. My husband again offered to pay Stev instulments each month which he would not except unless we payed him £900. (wich ment we had £400 to find) He said he wanted this to be payed by the monday. (4 days latter)

 

Stev Curnow then contacted my husband today (monday) and my husband told him that we can not raise that amount of money in such a short amount of time and would he give us longer. Stev Curnow would not give us more time and told my husband that he would be around to the house on Wednesday to empty our house of goods.

 

We just can not find this amount of money and I do not know what to do now. We have 3 children aged 12 years, 18 months and 5 months and I need to be able to feed and clothe them. I am really scard they are not even going to be able to have Christmas prescents.

 

Please Please can some one give me some advice. ASAP as this Stev Curnow is coming around in 2 days.

 

 

is this for council tax?

dont let rossendales bully you into paying what you cannot afford, ive had dealings with these people and they are not nice.

they want money and they dont care if its christmas or not.

i wont pay them anymore, i pay direct to the council...

dont let these people intimidate you. dont get scared...

if its for council tax keep paying the council...i would not pay rosendales a penny...

most of the money they take goes to their fees...

they can call at my home but they wont get in...

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Yes this is for council tax. When I went on maternity leave after giving birth to my 18 month old we began to have money problems and got our selfeves behind payments.

 

So if I pay the council direct will that mean they will call off this Steve Curnow guy from coming around. The ony thing is I just do not have any money left to pay the council this month as we have given Rossendales all the money we can find this month. (I had to take a lone out from a door stop company to find some of the £550 that was paid last week.) I wish I new about this site las week it has been really usefull.

 

The only thing is I am scard of this Steve Curnow, after being told by my husband what he is like and watching him on youtube. I will have 2 babies at home with me on wednesday and I am afraid for us all. Would it be better if we were out?

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Yes this is for council tax. When I went on maternity leave after giving birth to my 18 month old we began to have money problems and got our selfeves behind payments.

 

So if I pay the council direct will that mean they will call off this Steve Curnow guy from coming around. The ony thing is I just do not have any money left to pay the council this month as we have given Rossendales all the money we can find this month. (I had to take a lone out from a door stop company to find some of the £550 that was paid last week.) I wish I new about this site las week it has been really usefull.

 

The only thing is I am scard of this Steve Curnow, after being told by my husband what he is like and watching him on youtube. I will have 2 babies at home with me on wednesday and I am afraid for us all. Would it be better if we were out?

 

if it was me i would go to an upstairs window and take a photo of him

and try to record anything he has to say to you as long as your door is locked there is nothing he can do DONT be bullied or intimidated by this man

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Hello,

 

Hope someone can help.

 

I have received this morning a distress notice from Newlyn.

 

I was originally contacted by Haringey council and explained to them that the council tax debt was from previous tenants and could they send me a breakdown of charges/dates and also the account no. and sort code so i could make a payment.

She asked me to email - which i did on 12th November and again 11 days later and again today.

Have never had a reply from them but have recieved this notice from Newlyn.

 

I'm really not sure what i could do. If you have any advice i would much appreciate it.

 

Best regards

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Yes this is for council tax. When I went on maternity leave after giving birth to my 18 month old we began to have money problems and got our selfeves behind payments.

 

So if I pay the council direct will that mean they will call off this Steve Curnow guy from coming around. The ony thing is I just do not have any money left to pay the council this month as we have given Rossendales all the money we can find this month. (I had to take a lone out from a door stop company to find some of the £550 that was paid last week.) I wish I new about this site las week it has been really usefull.

 

The only thing is I am scard of this Steve Curnow, after being told by my husband what he is like and watching him on youtube. I will have 2 babies at home with me on wednesday and I am afraid for us all. Would it be better if we were out?

this is terrible you should never be left feeling in fear in your own home its supposed to be one the only places where you feel at your safest...i would contact the council and tell them about this how you are feeling threatened in your home they probably will not do anything but at least it will be on their record also contact your mp's councillors and any other form of person who is supposed to look out for you in your community also can a bailiff put pressure on you to take a loan out so you can make a payment think i have read somewhere that a bailiff cant pressure you to get into more debt to pay them..if this is wrong please someone correct me...wish you all the best with this real am feeling for you..take all the advice you get from here there is some truly wonderful people on here who will help you all the way..

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Yes this is for council tax. When I went on maternity leave after giving birth to my 18 month old we began to have money problems and got our selfeves behind payments.

 

So if I pay the council direct will that mean they will call off this Steve Curnow guy from coming around. The ony thing is I just do not have any money left to pay the council this month as we have given Rossendales all the money we can find this month. (I had to take a lone out from a door stop company to find some of the £550 that was paid last week.) I wish I new about this site las week it has been really usefull.

 

The only thing is I am scard of this Steve Curnow, after being told by my husband what he is like and watching him on youtube. I will have 2 babies at home with me on wednesday and I am afraid for us all. Would it be better if we were out?

 

thts what these people do from rosendales, bully you into paying what you dont have, they dont care how you get the money..they dont care if you get yourself into more debt, all they want is money,something should be done about these people,i dont know how they live with themselves doing this type of job...

you should never take out a loan just to pay these robbing theives..

dont answer the door to this person...

get in contact with your local MP and ask him to look into this matter..and tell him everything...you can look up your local MP online..and email him..i have, and my MP is looking into mine...

Are you on any hosuing benefits, or help with your council tax?

 

No not necessarily the council will call off this baliff, but it shows you are making an effort into paying council tax..

i wont pay any more money to rossendales, i pay my council tax, of which i can afford to the council...i dont see why i should pay these baliffs fees..

go into the council offices, and explain to them what is happening, have you had any letters from the council saying they were passing this matter to baliffs?

dont ever get yourself into these doorstep loans you will be forever paying it back...

thats what happenes these baliffs intimidate people so much, to get money, we go into despair...

i feel its a bad thing how people are frightened and scared so much by these baliffs, it should not be allowed to happen.

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Hello,

 

Hope someone can help.

 

I have received this morning a distress notice from Newlyn.

 

I was originally contacted by Haringey council and explained to them that the council tax debt was from previous tenants and could they send me a breakdown of charges/dates and also the account no. and sort code so i could make a payment.

She asked me to email - which i did on 12th November and again 11 days later and again today.

Have never had a reply from them but have recieved this notice from Newlyn.

 

I'm really not sure what i could do. If you have any advice i would much appreciate it.

 

Best regards

 

its not your responsibility to pay someones else's debt..

contact your local CAB office.,

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Thanks for the reply honeysuckle weeks,

 

They say because it's my property i am liable. And it is now with Newlyn and they can not do anything about it.

 

Also, i contacted Haringey again today and asked why none of my emails had been responded to.

 

Is there anything i can do about that? I never ignored their letters.

I believe the delay has resulted in Newlyn attending today.

 

Best regards

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They say because it's my property i am liable.

 

did your tenant have a tenancy agreement

 

put it in writing by recorded delivery letter

ask for a copy of the magistrate court summons and liability order

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Thanks for the reply honeysuckle weeks,

 

They say because it's my property i am liable. And it is now with Newlyn and they can not do anything about it.

 

Also, i contacted Haringey again today and asked why none of my emails had been responded to.

 

Is there anything i can do about that? I never ignored their letters.

I believe the delay has resulted in Newlyn attending today.

 

Best regards

 

if you were not living at that property at the time, how can you be liable..the council need to chase the owners of the property before you...

you need to go into the offices, a lot of the time, the council do not respond..

so they are saying everyone is responsible for others council tax, even tho we did not live there, dont make sense to me...

they need to make a new assesment of council tax for new owners.

what about your previous housing, you paid council tax there?

tell them you paid council tax at your previous place and give dates etc...it would seem your paying double council tax, and thats not right...it would seem they are not doing their job properly and need to chase previous owners.

contact CAB...

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Thanks again,

 

Sorry i did not explain properly.

 

I was staying there for a period of the time and the other rooms were rented out. The other tenants names were on the council tax bills.

 

So from my calculation i only only owe £330 for the period i was there but the total they told me was close to £3000!!

 

I dont mind paying what i owe but what about the outstanding.... am i still Liable?

 

Best regards

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every possibility that you could be held responsible

 

can you prove that you lived at a previous address for some of the time

 

send them a subject access request this will cost you £10 and it can take up to 40 days

 

    Joint and several liability: enforcement
    54.—(1) This regulation has effect with respect to the application of regulations 33 to 53 to a sum for which persons are jointly and severally liable under Part V.
     
    (2) In this regulation, "joint taxpayers" means two or more individuals who are jointly and severally liable to pay an amount in respect of council tax.
     
    (3) A final notice served in accordance with regulation 33 on every person against whom the application for a liability order is to be made may be addressed to two or more joint taxpayers in joint names.
     
    (4) A liability order may be made against one or more joint taxpayers in respect of an amount for which they are jointly and severally liable.
     
    (5) Where a liability order has been made against two or more joint taxpayers, subject to paragraph (6)—
      (a) an attachment of allowances order or an attachment of earnings order may be made against one of them, or different such orders may be made against more than one;

      (b) a distress may be made against one or more of them; and

      © a charging order may be made against one of them, or against more than one jointly, or different such orders may be made against more than one of them (as the circumstances require).

    (6) Where a liability order has been made against two or more joint taxpayers in respect of an amount, steps by way of any method specified in paragraph (5)—

      (a) may not be taken in respect of one of them while steps by way of that or another of those methods are being taken in respect of another of them; and

      (b) may be taken in respect of one of them notwithstanding that no steps by way of that or another of those methods have been taken in respect of another of them.

    (7) Where a distress has been made against two or more joint taxpayers in respect of an amount a warrant of commitment may, subject to paragraph (8), be applied for at any time against one of them or different warrants may be applied for against more than one of them: but no such application may be made in respect of any of them who has not attained the age of 18 years.

     

    (8) Where a liability order has been made against two or more joint taxpayers in respect of an amount, a warrant of commitment may not be applied for unless—

      (a) distress has been made against all of them; and

      (b) the person making the distress reports to the authority that, in relation to each of them, he was unable (for whatever reason) to find any or sufficient goods.

    (9) Where a liability order has been made against two or more joint taxpayers in respect of an amount, and a warrant of commitment is issued against (or a term of imprisonment is fixed in the case of) one of them under regulation 47(3), no steps, or no further steps, may be taken against any of them by way of attachment of allowances or earnings, distress, bankruptcy or charging in relation to the amount mentioned in regulation 47(4).

     

    (10) Where a liability order has been made against two or more joint taxpayers in respect of an amount and in making distress against one of them goods jointly owned by both or all of them are found, distress may be levied against those goods with respect to that amount; but in any subsequent proceedings under regulation 47 (commitment), charges arising under Schedule 5 from such a distress shall be treated as charges relating to the person against whose goods the levy was intended to be made when the joint goods were found, and not as charges relating to the other or others.

     

    (11) Where a liability order has been made against two or more joint taxpayers in respect of an amount, paragraph 2(2) of Schedule 5 shall have effect so that if a charge has arisen against one of them under head B of the Table in paragraph 1 of that Schedule as regards a levy in respect of it, no further charge may be aggregated for the purposes of regulation 45(2) under heads A or B in consequence of any subsequent levy or attempted levy against any of them in respect of that amount; and if a charge has arisen under head A against one of them, it shall be treated as a charge under that head with respect to the others as well as that one for the purposes of the calculation of any subsequent charge under heads A or B against any of them.


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