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    • Can I just suggest one thing   Ask them how the subframe broke and say you would like them to explain how changing a cv joint affects the sub frame   I'm not an expert but I've changed cv joints in the past and never needed to touch the subframe on a car   The axle itself might pass through the subframe but removing the cv joint usually just entails cracking the old one off with a split bar   I can't help but wonder if they've braced it against the subframe and that's why it's broken 
    • it wouldn't have gone to a (your?) local county court as you didn't reply to the claimform. northants bulk would have dealt with it as it was a default judgement.    
    • Thank you so much for the reply. I have tried to call the court (Torbay & Newton Abbot) but they are short staffed so cant answer ;-( Does the discharge mean it has been thrown out?   On the report is is just marked as the court date 10th December 2020 and under that Discharged. Thank you!
    • I need to repair the lead flashing on my side of a firewall on the roof of a Victorian terrace. It will involve hacking off the cement on my side, installing new lead and reapplying cement. Do I have to notify my neighbour under the party wall act before getting this work done? I was under the impression minor work was not notifiable. I would consider this minor work. From the party wall act:   "Some works on a party wall may be so minor that service of notice under the Act would be generally regarded as not necessary. Things like:  drilling into a party wall to fix plugs and screws for ordinary wall units or shelving  cutting into a party wall to add or replace recessed electric wiring and sockets  removing old plaster and replastering may all be too minor to require a notice under the Act."   The neighbour has got wind of what I am doing and has asked for written grantees that I will cover the cost of any impact on his side and is threatening to invoke the party wall act if I don't I don't want to write him a blank cheque as his side of the firewall is probably is as bad a condition as my side.
    • They will NOW debit   Sorry I need to relax before I type out responses. and reread them. Tried to edit the post but cannot
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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
      • 33 replies

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Its a line I couldnt work oy either

 

:rolleyes:

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Wherever you send a Subject Access Request, the recipient is the data controller. It matters not if the council holds personal data duplicated by the bailiffs they are under an obligation to provide data they process if requested.

 

Quite right dw, they can't slither out of it that way.

 

Chris, if you go here http://www.esd.informationcommissioner.gov.uk/esd/search.asp

and enter your councils name, they will come up as a data controller. QED!!

 

Elsinore

BANK CHARGES CAMPAIGN CONTINUES - PLEASE SIGN THIS PETITION

 

Aktiv Kapital £300.00 SETTLED IN FULL

Capital One £741.47 SETTLED IN FULL

Citi Cards £1221.00 SETTLED IN FULL

LTSB(personal) £3854.28 SETTLED IN FULL

LTSB(business) £7487.97 SETTLED IN FULL

 

What poor education I have received has been gained in the University of Life

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Quite right dw, they can't slither out of it that way.

 

Chris, if you go here http://www.esd.informationcommissioner.gov.uk/esd/search.asp

and enter your councils name, they will come up as a data controller. QED!!

 

Elsinore

 

Elsinore is there anything you DONT know :D

 

Your ability to extract and post the actual links is nothin short of genius :)

 

But dont tell the dcas :rolleyes:

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Just trying to help!;)

 

BTW Martin , congrats on your change of colour!:D

 

Elsinore

BANK CHARGES CAMPAIGN CONTINUES - PLEASE SIGN THIS PETITION

 

Aktiv Kapital £300.00 SETTLED IN FULL

Capital One £741.47 SETTLED IN FULL

Citi Cards £1221.00 SETTLED IN FULL

LTSB(personal) £3854.28 SETTLED IN FULL

LTSB(business) £7487.97 SETTLED IN FULL

 

What poor education I have received has been gained in the University of Life

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Awwww thanks.

 

But as Ive said already I am still with you lot...........I may not have Baliffs at my door at the moment but they could come back at any time........when the neigbours take me to court for playing ABBA songs :rolleyes:

 

 

I have got serious business with dcas tho..........none of which I have paid or intend to pay.....They can be just as troublesome as MrB.

 

I am really looking forward to spending some of my penalty charges on taking these b*******s to court.

 

Nothing would make it more worthwhile being on here than to see everyone get a result from both the banks AND the baliffs.

at the moment the banks are being defeated.......I would love to see the baliffs in the same boat !!

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Wherever you send a Subject Access Request, the recipient is the data controller. It matters not if the council holds personal data duplicated by the bailiffs they are under an obligation to provide data they process if requested.

 

My SAR was sent to Philips not too the council, but surely the Council will be a data conroller anyway under their normal legal obligations.

Chrismc v Vertex Data Science Ltd

SD Set Aside WON + Costs

 

 

Chrismc v Barclays

Won - Settlement Agreed at 11th Hour.

 

Philips Bailiffs

Lost - Judge changed at last minute, it didn't help!

 

G-MAC Early Redemption Charges Waived

Won - Early Redemtion Fees Waived in Full.

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Quite right dw, they can't slither out of it that way.

 

Chris, if you go here http://www.esd.informationcommissioner.gov.uk/esd/search.asp

and enter your councils name, they will come up as a data controller. QED!!

 

Elsinore

 

Thanks Elsinore

 

When you search that register it states:

 

This data controller states that it is a public authority under the

Freedom of Information Act 2000 or a Scottish public authority under the

Freedom of Information (Scotland) Act 2002

and

 

Data Controllers further description of Purpose:

ELECTORAL REGISTRATION

THE PROCESSING OF INFORMATION SUPPLEMENTARY TO THAT CONTAINED ON

THE ELECTORAL REGISTER

Data Subjects are:

MINORS CURRENTLY SIXTEEN OR SEVENTEEN YEARS OLD

THOSE NOT ELIGIBLE FOR JURY SERVICE (I.E. OVER SEVENTY YEARS OLD)

OTHER MEMBERS OF HOUSEHOLD

Data classes are:

Personal Details

Sources (S) and Disclosures (D)(1984 Act). Recipients (1998 Act):

MEMBERS OF THE DATA SUBJECT'S FAMILY/HOUSEHOLD

OTHER OCCUPANTS OF THE DATA SUBJECTS ADDRESS

COURTS

Data subjects themselves

MINORS CURRENTLY SIXTEEN OR SEVENTEEN YEARS OLD

THOSE NOT ELIGIBLE FOR JURY SERVICE (I.E. OVER SEVENTY YEARS OLD)

OTHER MEMBERS OF HOUSEHOLD

Data classes are:

Personal Details

Sources (S) and Disclosures (D)(1984 Act). Recipients (1998 Act):

MEMBERS OF THE DATA SUBJECT'S FAMILY/HOUSEHOLD

OTHER OCCUPANTS OF THE DATA SUBJECTS ADDRESS

COURTS

Data subjects themselves

 

Plus tons and tons more too many to mention, plus this which is more relevant

 

Purpose 5

Assessment and Collection of Council Tax and National Non-Domestic Rates

Data Controllers further description of Purpose:

CALCULATION AND ASSESSMENT OF RATES/TAX DUE

CONDUCT OF COUNCIL TAX CANVASSES

ISSUE OF NOTICES AND DEMANDS

COLLECTION AND PROCESSING OF PAYMENTS

DEBT TRACING AND COLLECTION OF COUNCIL TAX AND RATES

Data subjects are:

Relatives, guardians and associates of the data subject

Advisers, consultants and other professional experts

COUNCIL STAFF (INCLUDING PERMANENT AND TEMPORARY EMPLOYEES, ELECTED

MEMBERS, VOLUNTEERS, CONSULTANTS, SELF EMPLOYED AND OTHER PERSONS CONTRACTED TO

PROVIDE SERVICES ON BEHALF OF THE COUNCIL)

COUNCIL TAX OR RATE PAYERS (PAST, PRESENT AND POTENTIAL)

Data classes are:

Personal Details

Family, Lifestyle and Social Circumstances

Employment Details

Financial Details

Business activities of the data subject

It goes on and on and also covers all the benefitrs sections, council tax, housing etc etc etc. the list is endless.

 

Chris

Chrismc v Vertex Data Science Ltd

SD Set Aside WON + Costs

 

 

Chrismc v Barclays

Won - Settlement Agreed at 11th Hour.

 

Philips Bailiffs

Lost - Judge changed at last minute, it didn't help!

 

G-MAC Early Redemption Charges Waived

Won - Early Redemtion Fees Waived in Full.

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Almost as endless as Philips excuses no doubt?

 

:rolleyes:

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Hi There,

 

I havent read all of the post, but this might help: http://www.insolvencyhelpline.co.uk/debt_basics/bailiff-guide.htm

 

Also take a look at this post I posted a few days ago:

http://www.consumeractiongroup.co.uk/forum/debt-collectors-bailiffs/19991-debt-collectors-doorknockers.html

 

hope this helps.

 

Cheers

 

Adrian

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Ade your missus isnt russian by any chance ?

 

 

:confused:

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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A certain person we know with the same name..........but obv ur not him !!

 

 

;)

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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No its not you Adrian!!

Chrismc v Vertex Data Science Ltd

SD Set Aside WON + Costs

 

 

Chrismc v Barclays

Won - Settlement Agreed at 11th Hour.

 

Philips Bailiffs

Lost - Judge changed at last minute, it didn't help!

 

G-MAC Early Redemption Charges Waived

Won - Early Redemtion Fees Waived in Full.

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Share on other sites
Hi There,

 

I havent read all of the post, but this might help: http://www.insolvencyhelpline.co.uk/debt_basics/bailiff-guide.htm

 

 

Yes I have all that Adrian al;ready listed in this thread and various others I am contributing too.

 

 

Also take a look at this post I posted a few days ago:

http://www.consumeractiongroup.co.uk/forum/debt-collectors-bailiffs/19991-debt-collectors-doorknockers.html

 

hope this helps.

 

Cheers

 

Adrian

I haven't read all your thread, but taking a quick look and if you read the whole of this thread you will probably find I have covered all your circumstances and probably a lot more besides. I am a lomng way down the road with this and on the verge of issuing a County Court Summons aga9inst the Bailiffs.

 

But thanks anyway for your help!!

 

Chris

Chrismc v Vertex Data Science Ltd

SD Set Aside WON + Costs

 

 

Chrismc v Barclays

Won - Settlement Agreed at 11th Hour.

 

Philips Bailiffs

Lost - Judge changed at last minute, it didn't help!

 

G-MAC Early Redemption Charges Waived

Won - Early Redemtion Fees Waived in Full.

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Share on other sites

Martin and I could find you one OK!! or at least tell you where and how to look he he

Chrismc v Vertex Data Science Ltd

SD Set Aside WON + Costs

 

 

Chrismc v Barclays

Won - Settlement Agreed at 11th Hour.

 

Philips Bailiffs

Lost - Judge changed at last minute, it didn't help!

 

G-MAC Early Redemption Charges Waived

Won - Early Redemtion Fees Waived in Full.

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Share on other sites

well outside the passport offices would be a good start ROFL

 

that was a joke and meant no offence to any Eastern European peple on this baoard!

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Martin and I could find you one OK!! or at least tell you where and how to look he he

 

 

True Chris.........but he will need a good claim in first !

 

:D

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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well outside the passport offices would be a good start ROFL

 

that was a joke and meant no offence to any Eastern European peple on this baoard!

 

You wont find any RW hanging around outside passport offices ;)

 

They are too smart for all that queuing

 

:D

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Hnmmmmm 2 claims x700 quid (fingers tapping....)

 

A return flight to Mioscow 7 days in hotel alpha and a crate of Baltika

 

plus some change for the babooskas new headscarf

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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You wont find any RW hanging around outside passport offices ;)

 

They are too smart for all that queuing

 

:D

They sure are...BTW you have a spare one at home don't you he he

Chrismc v Vertex Data Science Ltd

SD Set Aside WON + Costs

 

 

Chrismc v Barclays

Won - Settlement Agreed at 11th Hour.

 

Philips Bailiffs

Lost - Judge changed at last minute, it didn't help!

 

G-MAC Early Redemption Charges Waived

Won - Early Redemtion Fees Waived in Full.

Link to post
Share on other sites

Oh yes he can have her..........if he can speak Russian he will be ok

or maybe spend some of that 1400 giving her English lessons lol

 

;)

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Hi Chris,

 

Where are the points of dispute with Phillips?

Presumably you have records/proof whether complete or not, of what payments you made to them. Do they match up with what documents Phillips have sent you with their version of what's been paid? If not, how do they explain the discrepancies?

 

I'm a bit lost with reference to what is "reasonable" in terms of charges - where has that come from?

 

Bailiffs do seem to think they can make duplicate charges for one visit if they have more than one account to chase. You should ask what authority they are relying on for such a proposition - it isn't in any regs. I have seen.

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Hi Chris,

 

Where are the points of dispute with Phillips?

Presumably you have records/proof whether complete or not, of what payments you made to them. Do they match up with what documents Phillips have sent you with their version of what's been paid? If not, how do they explain the discrepancies?

 

I'm a bit lost with reference to what is "reasonable" in terms of charges - where has that come from?

 

Bailiffs do seem to think they can make duplicate charges for one visit if they have more than one account to chase. You should ask what authority they are relying on for such a proposition - it isn't in any regs. I have seen.

 

Hi

 

The main thing and which started this was excessive charges, over £800 on a debt of £1600 around 54% fees on the debt. They have already agreed they have overcharged me 2 x van fees and are supposed to be sending a cheque for £160 to me. However, they charged 4 x van fees, and part of my argument is that the Bailiff only ever visited in a small van as that was his only mode of transport, so how can they add another 2 van fees on top. They visited maybe 3 or 4 times in total and their fees including a WP could be legitimately calculated to around £80 - £100 max.

 

However, I DO have a record of all my payments and there is still a small discrepency, but the paperwork they sent me does not all tally with mine, I have paperwork they left me which clearly shows WP, First visit and Levy fees etc way above the rates they are legitimatly allowed to charge, but as this went on they seem to have not stuck to these figures and instead charge 3 or 4 times the same fee for the same visit, and they say they can do this because there was 4 x accounts with them. I queried this also with National Debt Helpline and they said they cannot do this, the fees have to be "fair and reasonable" and if they are visiting, they charge one fee even if you do have 2 or 3 or 4 accounts with them.

 

Philips however, do not agree with this and state they are "legally allowed to charge fees for each liability order issued" Now the problem is, I have searched and searched and I cannot find anything in print that states they can or cannot do this, it is always stated as "fair and reasonable" or set fees eg £11.00 £22.50 etc etc. Van fees are stated as again "fair and reasonable" which leaves it open to much interpretation.

 

I am now at the stage where I have to issue a court summons or drop it!! also as I stated they have told the council they posted a cheque to me 2nd August, the council confirmed this in writing, but this has still not arrived. The Council say the matter is closed, but I could quite easily arrange a meeting with the Local Taxation Officer and show him what I have, but the Council and Philips are not really interested they will only take notice if I go through with my threats, so my only course of action in my opinion now is to issue the summons.

 

So I was going to go over things again this weekend then decide!! any advice BotB is welcome.

 

Chris

Chrismc v Vertex Data Science Ltd

SD Set Aside WON + Costs

 

 

Chrismc v Barclays

Won - Settlement Agreed at 11th Hour.

 

Philips Bailiffs

Lost - Judge changed at last minute, it didn't help!

 

G-MAC Early Redemption Charges Waived

Won - Early Redemtion Fees Waived in Full.

Link to post
Share on other sites

Please note that this topic has not had any new posts for the last 4276 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

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