totally forgot to send a letter of approapiation, so we have struggled through with the help of close family A&L have charged me approx £250 per month, so now i will have to try and get those charges back or i will be forever in debt, 4 years ago i won against nat west so i have a good idea of how to go about this,but has it changed since that court case. i have tried to read my way through the success threads but i have trouble concentrating now, so any pointers will be more than welcome please

sar is printed and ready to go. thanks in advance

luco

no i havn't got another account. so i think a letter of appropriation should be sent, correct?

having got my charges back from nat west 3 years ago i now find i need to do the same with a& l, so any advice is welcome please.

on 12th feb this year i had quite a bad stroke i get ssp monthly, i knew i had to cancel all my direct debits but i forgot to do it last week a& l phoned me to tell me i was £280 overdrawn and could i pay this off now i explained the situation to her but all she said was we will continue to charge you £5 a day untill you clear the debt. unfortunately i cant follow this through so my daughter will take over this thread and finish it for me'hopefully she will get back all the charges they have taken. tonight we have drafted a S.A.R ready to be printed and sent. please can you give her all the help and advice i know she will need

thanks

luco

wow that was quickjust got a reply to my mail.

saint -luco

1 luco mansions

chatham

kent

thank you for your letter dated18march 2010 warning of further legal action

could you please confirm the amounts owed and who they are oswed to also could you please detail why these amounts are owed.

i look forward to hearing from you

regards

saint-luco

have just sent this mail to whyte and co, i think it could have been worded better but it tells them what information i would like. normally i wouldsend a, recorded delivery,letter.is iyt ok to use email. any thoughts on this please. after my telecon with thrm on tuesday i am expecting a visit any time now from their man

I have no idea what is going on here and consequently am unable to provide any advice.

 

Is this thread a spin-off from another one previously discussed?

mrs l uco has been told her job is safe but it seems like mine may be at risk now,so instead of start a new thread i thought it may be easier just to add it to here. sorry for any con fusion

We need a lot more information here. How long has Mrs Luco been employed for, what does she do for a job. What do her terms and conditions say, what process (if any) did the employer carry out before dismissing her, how much was she earning, has she found new work since?

sotrry i should have up dated this yesterday she spoke to her boss and he said her jobwas safe

where's medway?

kent north of maidstone rochester chatham and gillingham

and now its my turn,i have benn off work since i had a stroke on feb 12th. i am expected to make a full recovery an d am looking to go back to work as soon as i can, but i have just been told 2 people have been offered my job i have always told my boss i would be backas soon as i can he phones me every week to see how im doing the phisiotherepist says i need to go back to normal as soon as possible the only thing stopping me at the moment is i need an automatic car as my work is 25 miles away the other side of the dartford crossingb and the is nopublic transport that goes there. do i have any rights to prevent my job being given to someone ele

she has been back at work for 2 days nowand no one has said a word to her.

have todsy recieved aletter from said bailiffs

warning of further legal action, it says amount if paid today£42.50; levy fee£42.00; total due£82.50. i phoned them and asked what theses fees are for especially as no levy has been taken she said pay by thursday or the bailiff will visit. i told her 4 weeks ago i had a stroke so surly the bailiff shouldnt visit my home, her reply was weve been dealing with you since december so your illness makes no difference she then said i have made a note that i have told you that you could get more fees if you havnt paid by thursday oh by the wat the£42.50 is becuse they have sent me a letter

on the 12 th of mafeb i had a stroke and was in hospital for a week, mrs luco visited me every day bless her, when i was discharged the physiotherepisi asked her if she could take a week off as he didnt think i would be able to cope on my own. mrs luco asked her boss and he made it understood thay hr was not happy with her taking time off as whoever covers her needs a crb check done. any way yesterday morning i got up and was coming downstairs when i fell and had to be taken to the hospital,she tried to phonr her boss but no answer so mrs luco's mother phoned for her ,this after noon mrs luco got a phone call from a friend to tel her , her job was advertised in the jobcentre and on the job centre website. mrs luco is devastated that she has been sacked especially as apart from my statuary sick pay that was the only money coming,

can thy do this to her

ifanyone is interested i would gladly make arrangements

cannot believe it, thouht i had said goodbye to this thread in december. but this mornin a bailiff from this company turned up i spoke to him out of the window he said i need to contact the council as they still say i owe tax despite paying it in full, before christmas,when i pointed out i was ill and he shouldnt come to my house any way he said that was my fault for not making sure the council had marked my account unfortunately i cannot find my account number so i have emailed the council asking if they csn send it to me, i would fone but the last timr i did i was on hold for 45 mins

last update for you, have seen the doctor and am getting a letter to give to the council, went to see my boss, the tax will be paid tomorrow morning also when i saw the doctoor she said this has gone on long enough and has got me an appiontment with a vascular surgeon before christmas, so hopefully an operation soon after. once again thank you all for the brilliant advice and support given

luco

have spoken to the senior recovery assistant at the council, he has agreed to call off the bailiffs for 20 days to allow me to get evidence of my illness to him and whyte & co. also i will try to arrange a loan with my employer to pay the bill in full. thanks everyone for their help

I am sorry to hear of your illness

 

HOWEVER...it would apear that your circumsrtances are classed as "vulnerable" according to the National Standards for Enforcement Agents and accordingly consideration shoulf therefore be given for the bailiff company to return the debt back to the local authority.

 

You need to ensure that a letter is send by e-mail to the company TODAY.

have you a link please

no not registered and no allowances, the reason i cant walk far is a thrombosis in the leg i am waiting for surgery to deal with that, whilst i have a heart disease, the drugs control that. but i cant get to work without the car and as i struggle to walk far i cant hide it very far away

i got a bank loan for my car, i do need this for work as there is no public transport to where i work also i start at 05.00 so need it, also since i had a heart attack 2 years ago i struggle to walk any distance, so a walk to the station is out of the question

the balance is £550 and their charges are £24.00 so far. i think there may be a problem as they have spealt my partners name wrong so am trying to contact council to see if that will make them take debt back, anyone know if this will affect the liability order?

have recieved a letter stating.

as you are refusing to allow a levy the full balance is payable by return post. we are unable to enter any repayment plan. if you choose to pay the council directely it will reduce your debt but it will not stop bailiff enforcement action which will continue without further warning.

any ideas anyone

p7 Protected goods

Since the writing of the code statute has been amended to specify those goods

which may not be seized in levies for council tax (S11993/773 amending reg.

45(1 )(a)). These are:

♦ such tools, books, vehicles and other items of equipment as are necessary for

use personally by the debtor in his/her employment, business or vocation; and,

♦ such clothing, bedding, furniture, household equipment and provisions as are

necessary for satisfying the basic domestic needs of the debtor and his/her

family.

The latter category of exemption also applies to distress for NNDR.

as i start work at 5am and the only other way for me to get there is to get a train at 11pm the night before, arriving at work at about 2am, with a 1 hour walk at each end, would my car be covered by this

telephoned the council this morning and spoke to a very nice lady who explained that i had to deal with the bailiffs not the council but after a while agreed to mark my account with the payment scheme i had suggested. the total owed is £515, she was actually quite sympathetic as we have allways paid on time, she wished me luck and said "whatever you do dont let them in".

so ithen fired off an email to the council and the bailiffs, printed them and sent them recorded delivery. this is the copy of the letter/mail

Dear Sir/Madam,

Re: Your Reference

I understand ***** Council has appointed you to recover my Council Tax Liability arrears for 2009 of £515.00.

Firstly I would like to make you aware that I am fully aware of my rights and you will not gain entry to my home under any circumstances to levy goods and I know the fees allowed under statute and when these fees can be applied.

Due to my circumstances I am unable to pay this in one payment. Today I contacted the council and informed them that I will be making direct payments to the council of £100 on 30/12/09, £100 on 27/01/10, £160 on 01/02/10 and the remaining £155 on 01/03/10 or nearest working day after these dates

It should be noted that I am not at any point refusing to pay this debt..

Please also send an itemised statement of account that clearly shows what charges have been added and what for, you are required in statute to supply this information and I look forward to receiving this within 14 days.

I am sending the council a copy of this letter and requesting that it be filed with my account for further reference.

I hope the above meets your approval and I look forward to your timely reply by letter.

Please ensure all future correspondence is to be by mail only.

Yours faithfully,

so no letters to anyone, just pay direct to the council when i can afford it and how much i can afford

i allways go on holiday when the world cup is on, there is always a bar with the games showing