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    • In order for us to help you we require the following information:- [if there are more than one defendant listed - tell us] 1 defendant   Which Court have you received the claim from ? County Court Business Centre, Northampton   Name of the Claimant ? LC Asset 2 S.A R.L   Date of issue – . 28/04/23   Particulars of Claim   What is the claim for –    (1) The Claimant ('C') claims the whole of the outstanding balance due and payable under an agreement referenced xxxxxxxxxxxxxxxx and opened effective from xx/xx/2017. The agreement is regulated by the Consumer Credit Act 1974 ('CCA'), was signed by the Defendant ('D') and from which credit was extended to D.   (2) D failed to comply with a Default Notice served pursuant to s87 (1) CCA and by xx/xx/2022 a default was recorded.   (3) As at xx/xx/2022 the Defendant owed MBNA LTD the sum of 12,xxx.xx. By an agreement in writing the benefit of the debt has been legally assigned to C effective xx/xx/2022 and made regular upon C serving a Notice of Assignment upon D shortly thereafter.   (4) And C claims- 1. 12,xxx.xx 2. Interest pursuant to Section 69 County Courts Act 1984 at a rate of 8% per annum from xx/01/2023 to xx/04/2023 of 2xx.xx and thereafter at a daily rate of 2.52 to date of judgement or sooner payment. Date xx/xx/2023   What is the total value of the claim? 12k   Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? Yes   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? No   Did you inform the claimant of your change of address? N/A Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Credit Card   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 ? Online   Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? Yes, but amount differs slightly   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. DP issued claim   Were you aware the account had been assigned – did you receive a Notice of Assignment? Not that I recall...   Did you receive a Default Notice from the original creditor? Not that I recall...   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? Yes   Why did you cease payments? Loss of employment main cause   What was the date of your last payment? Early 2021   Was there a dispute with the original creditor that remains unresolved? No   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No   -----------------------------------
    • Hello CAG Team, I'm adding the contents of the claim to this thread, but wanted to open the thread with an urgent question: Do I have to supply a WS for a claim with a court date that states " at the hearing the court will consider allocation and, time permitting, give an early neutral evaluation of the case" ? letter is an N24 General Form of Judgement or Order, if so, then I've messed up again. Court date 25 May 2024 The letter from court does not state (like the other claims I have) that I must provide WS within 28 days.. BUT I have recently received a WS from Link for it! making me think I do need to!??
    • Massive issues from Scottish Power I wonder if someone could advise next steps. Tennant moved out I changed the electric into my name I was out the country at the time so I hadn't been to the flat. During sign up process they tried to hijack my gas supply as well which I made it clear I didn't want duel fuel from them but they still went ahead with it. Phoned them up again. a few days later telling them to make sure they stopped it but they said too late ? had to get my current supplier to cancel it. Paid £50 online to ensure there was money covering standing charges etc eventually got to the flat no power. Phoned Scottish Power 40 minutes to get through they state I have a pay as you go meter and that they had set me up on a credit account so they need to send an engineer out which they will pass my details onto. Phone called from engineer asking questions , found out the float is vacant so not an emergency so I have to speak to Scottish Power again. Spoke with the original person from Scottish Power who admitted a mistake (I had told her it was vacant) and now states that it will take 4 weeks to get an appointment but if I want to raise a complaint they will contact me in 48 hours and it will be looked at quicker. Raised a complaint , complaints emailed me within 24 hours to say it will take 7 days till he speaks with me. All I want is power in the property would I be better switching over to EON who supply the gas surely they could sort it out quicker? One thing is for sure I will never bother with Scottish Power ever again.    
    • Hi. Please don't follow McD's advice to contact Met to appeal. They won't listen and you could end up giving them helpful information. HB
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Hi,

 

I had a visit from the Baillifs regarding unpaid Council Tax.

 

THis was the first visit and I refused to let the Bailif into the house and did not sign a thing.

 

I later paid up the full amount plus the costs over the phone.

 

As I've learnt from reading on here the most they can charge for the first visit is £24.50 if they do not get a levy/walking possession agreement.

 

I've got the court costs from the council ~£80.

 

Basically they have charged me £222 too much..

 

Now as I know exactly how much the council tax debt was, the court costs, the first baillif visit fee and the credit card charge, can I just proceed straight to a LBA for a refund of the costs? Or should I request in writing details of what the false charges are for.

 

According to the council who has online access to the Baillifs website, the case notes show a levy made and walking possession order signed... This is truely false and I've asked the Council to chase this as the document would contain forged information and signatures.

 

Any advise is very gratfully received?

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Only thing I can think of is that they have levied on your car? But, i'd have thought they'd have had to put notification through your letterbox to support this.

Good luck with claiming back the charges.

Had a similar incident, bailiffs put notification through my door stating I owed them £256.33 + costs. I contacted the council, the debt amount was £102.88 and sent letters to both the council and bailiff company asking them to explain the charges. I received a second letter (through the royal mail, not handdelivered) stating that I needed to make a payment arrangement for £143.88 (that cost of the debt plus 2 visits).... the council took the debt back as I stated I was unwilling to deal with the bailiffs considering they'd attempted to unlawfully charge me additional costs that weren't due on the account.

Debt now back with the council and all the bailiff charges removed, only had original debt amount to pay, but lodged a complaint with the council about the bailiff and their charges.

 

 

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Thanks for your reply.

 

The only thing they shoved through the letter box was that to contact a mobile number or they would come back with the intention of removing goods..

 

No sign of Walking Possession or anything to indicate something similar.

 

2 car on the driveway at the time. One was a friends and the other was my lease car so they'd not be able to have any claim on that as I'm not the regsitered owner or the registered keeper.

 

I'm trying to complain to the council but after an initial response I've had nothing.

 

it looks like it needs to go through the official complaints procedure.

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First thing you need to do is write to the bailiffs head office, cc-ing in the council, stating the account is in dispute as you do not believe the charges to be accurate and that you expect no further action to be taken until this situation is resolved. Ask them to provide a full breakdown of costs, including what the fee consists of (showing appropriate receipts if applicable), when they visited, the name of the certified bailiff and the court at which he was certified.

 

Give them 14 days to provide thsi information or advise them you will report the matter to both the court which issued the liability order and the local government ombudsman.

All help is merely my opinion only - please seek legal advice if you need to as I am only qualified in SEN law.

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Thanks Tiglet, I will start the course of action up.

 

Unfortunately, I've already paid in full so I now need to claim the costs back... so asking to hold any action will not really help.

 

Basically, from the bailiffs records, they've said they attended my house on 22nd March, They did not..

 

Also, they have levied on a car which is not mine and charged me levy costs for it.

 

Total costs wew £220 when it should have been £24.50.

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Just one final point..

 

From the councils email, the bailiffs said that goods were seized, they have basically said they levy (which I guess means seized) the car.

 

Does this mean that they would have to physically take the car away?

 

If they did not take it would they have to get us to sign a Walking Possession agreement to leave the car there?

 

The reason I'm asking as that the bailiffs has already agreed that a Walking Possession agreement was NOT signed (despite them saying earlier it was) and are refunding us this charge.. (£11)...

 

Thanks

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OK sweetie, then you need to send a LBA to the bailiffs to reclaim your charges. It's the same principal, but advising them that unless they provide the evidence or refund your costs, within 14 days you will start a small claims court action against them.

 

pm me or post letter here if you need any advice about doing this.

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All help is merely my opinion only - please seek legal advice if you need to as I am only qualified in SEN law.

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Thanks Tiglet,

 

Here's my LBA letter

 

Alexanders Certified Bailiffs

Westmead House

Westmead Road

Sutton

SM1 4JH

 

 

Thursday, 19 April 2007

 

LETTER BEFORE ACTION

 

Dear Sir/Madam,

 

Council Tax Account Number: XXXXXX

 

 

My request

 

I am writing to request the refund of the false charges you have levied from me during your only visit to my house on the 5th April.

 

 

I have received from Waverley Borough Council a breakdown of the costs that you have wrongly charged and you have claimed for the following which are false claims;

 

  • A visit on the 22nd March in which you claim you got no answer
  • A levy (seizure) on a vehicle that I am neither the registered owner of or the registered keeper.
  • A levy of the above (2.) when no vehicle was actually removed.
  • A signed walking possession agreement

According to my communications with Waverley Borough Council , you have already agreed subsequently that a walking possession agreement was never signed and are already in the process of refunding this cost (£11). This therefore means you have already admitted to falsifying the claim. Based on this fact, you cannot charge levy costs because no goods were removed, no entrance to the property was granted and the vehicle in question is not mine.

 

I calculate that you have taken £298.26.

 

I am enclosing a copy of the schedule of the charges which I am claiming.

 

I require repayment in full of this money or evidence supporting your charges.

 

If you do not comply fully within 14 days then I shall begin a claim against you for the full amount plus interest plus my costs and without further notice.

 

Furthermore, I shall submit a complaint to Waverley Borough Council and the Association of Civil Enforcement Agents (ACEA).

 

 

And this is my schedule

 

Claimed costs by Alexanders Ltd

Description of charge Charge £

Council Tax Charge 994.00

Summons costs 63.00

Liability Order 20.00

First Visit Cost 24.50

Levy 53.00

Walking Possession Agreement 11.00

Enforcement Fee 220.00

Card Handling Fee 69.33

 

Total 1454.83

 

Actual Costs owed to Alexanders Ltd

Description of charge Charge £

Council Tax Charge 994.00

Summons costs 63.00

Liability Order 20.00

First Visit Cost (5th April 07) 24.50

Card Handling Fee 55.08

 

Total 1156.58

Total of costs overclaims 298.26

 

Please can you let me know if this should be acceptable..?

 

Many thanks.

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Guest Herbie

The letter seem fine to me, however you appear to be calculating the card fee at 5%. The majority of Contracts provide for a card fee of 3%

 

The overall amount that you have paid is £1101.50

I would include on the letter "Card fee @ 3% £33.04 , and let them come back to complain. The total amount therefore that you should be asking for is £320.29

 

Just a small final note, I would be inclined to only give until close of business next friday, ie: 8 days for payment.

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The letter seem fine to me, however you appear to be calculating the card fee at 5%. The majority of Contracts provide for a card fee of 3%

 

The overall amount that you have paid is £1101.50

I would include on the letter "Card fee @ 3% £33.04 , and let them come back to complain. The total amount therefore that you should be asking for is £320.29

 

Just a small final note, I would be inclined to only give until close of business next friday, ie: 8 days for payment.

 

 

Thanks for you reply, I'll update the card fee..

 

Why only allow them 8 days, is this a reasonable time to allow then?

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It's basically fine, but I would include the following paragraph:

 

"If you believe the charges I have incurred to be legitimate, I would ask you to provide the name of the bailiff, the court at which he was certified, the date you believe the visit took place and what the fee consists of (please provide receipts where necessary)."

 

This can show the court later that although you strongly repuduiate these fees, you have given the bailiffs an opportunity to prove they are lawful before you commenced action - it will look good if it has to go in front of a judge, basically.

All help is merely my opinion only - please seek legal advice if you need to as I am only qualified in SEN law.

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I would personally allow 14 days - it again would show a judge that you have been reasonable in allowing them sufficient time to investigate - you can state 7 days, but IMO, 14 would look better.

All help is merely my opinion only - please seek legal advice if you need to as I am only qualified in SEN law.

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Thanks, you two have been absolute stars.. :)

 

I'll post tomorrow via recorded and let you know how it goes.

 

Council are sitting on the fence on this one.

 

but from their last email to me, it appears they are starting to get a little suspicious on what's happend.

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They are responsible for the bailiffs and should look into it for you - if no joy, threaten them with the local government ombudsamn.

 

And you are more than welcome - let us know how you get on.

All help is merely my opinion only - please seek legal advice if you need to as I am only qualified in SEN law.

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Wait the 14 days you gave them (plus two to allow for postage). They may take you right up to the wire on this, but it's a matter of showing that you ahve been fair, even if they ahve not.

 

Then, yes, start your claim. But also advise the local government ombudsman and your local councillor who will bring pressure to bear on the council.

All help is merely my opinion only - please seek legal advice if you need to as I am only qualified in SEN law.

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Ok, I've had absolutely no response from the Baillif company and no response from the Council, 14 days runs out tomorrow.

 

Therefore, it looks like I'll be proceeding with Court Claim. Any advice on how to summarise the details in my (LBA) letter so that it fits in the MCOL website..

 

Also, should I know inform the council that I'll be raising the issue with the local council ombusman?

 

Thanks.

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Well, after the post has arrived tomorrow (if there's no response in there) submit a complaint to the following:

 

1. Your local councillor

2. The local government ombudsman

3. The county court who certified the bailiff

4. The magistrates court who granted the liability oredre

5. Any trade associations the bailiff belongs to (pm me the company name and I will check for you)

 

Then sit back and wait for all of the above to do their job and get back to you.

All help is merely my opinion only - please seek legal advice if you need to as I am only qualified in SEN law.

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