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    • 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
    • Hi Stu and dx1000uk,   I have done the online assessment and as I suspected I already receive the maximum benefits available ot 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. But 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? But 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
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      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.
       
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Alliance withdraw overdraft


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Hi I recently sent my DPA to Alliance and Leicester, only to recieve a letter about 4 days later that they were withdrawing my overdraft because funding does not amount to £1000 a month. In the six years I have had this account the funding has never been at this level.

 

This just smacks of childish behaviour to me they know whats coming and are trying to get in there first.

 

My overdraft is £500 which of course I cant afford to repay in a lump so I have made an offer to pay them £15 a month which they will have to accept as I have sent them a income/expenditure breakdown. And thats all I can afford.

 

Has anybody else had this happen to them? I'm not worried cos when I get my charges back the overdraft'll be gone anyway.

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Be very caBecause the bank may decide to simply to default to, and we are finding that when they are under threat like this that they tend to shortcut the rules. There is never read any proof that they did or did not contact you and people are simply finding that they have been defaulted without any communication even though they are actually required to contact you and try and work out some scheme of repayment before they moved to a default stage. I would recommend that you keep the regular eye on your entry in the credit reference agency.

You don't say how much the charges are or how much they are likely to be in your opinion. I would suggest that you send them in immediate letter by recorded delivery putting them on notice that you will be claiming charges and that therefore your overdraft is in dispute -- make it clear to them however that in the interests of good faith you will be continuing to make payments towards your overdraft until the dispute is settled. Whole point is to make sure that the bank is officially on notice that there is a dispute because they are not entitled under the banking code to register a default against you in those circumstances. You could put the matter completely beyond doubt by also serving them with a section 10 notice which appears in the template library. They are required by law to respond to this and if they failed to do so that went ahead to default you this would give you a more than a fighting chance when you finally came to challenge the default

reful here

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Hi tlrose

 

typical of A&L - but just in case your situation changes with them (and also for anyone else in a similar position) there is nothing in the terms and conditions of the A&L account that says you have to pay in £1000 in a single transaction.

 

So that means you could deposit say £500, on the first of the month, withdraw that same £500 a week later, and then pay it in again before the end of the month. i've done it a number of times with no problem.

 

good luck anyway

stuart

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  • 12 years later...

This topic was closed on 09 March 2019.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there.

If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

- Consumer Action Group

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Please note that this topic has not had any new posts for the last 5406 days.

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