From a friend. Some interesting developments regarding Council Tax and DCA's: Burke v Bristow & Sutor (2025) Issues Whether a corporate enforcement company can itself be an “enforcement agent” for the purposes of Schedule 12 to the Tribunals, Courts and Enforcement Act 2007. Whether the duties in Schedule 12 paragraph 26 (to show identity and authority) apply to a company rather than to an individual. Whether corporate self-description or branding can confer or substitute for statutory authority. Decision The court held that only an individual can be an enforcement agent under the statutory scheme. A company cannot be an enforcement agent and cannot be subject to (or rely upon) the duties and powers reserved to an enforcement agent under Schedule 12. Ratio Decidendi Statutory construction: The TCEA 2007 defines “enforcement agent” as an individual authorised under s 63(2). The Act provides no mechanism by which a corporate body can become an enforcement agent. Scope of Schedule 12 duties: Paragraph 26 applies only to enforcement agents, i.e. individuals. A company is not a body to whom paragraph 26 applies. Form over branding: How a company describes itself in correspondence cannot alter its legal status. Corporate branding or wording does not create statutory authority. These points formed the necessary reasoning for the outcome and are therefore ratio, not obiter. Principle of Law (Applied Through Equity) Equitable Maxim Engaged Equity will not permit a person to take advantage of their own wrong. Equitable Application of the Ratio Where Parliament confers coercive powers on a specific class of person (an individual), equity prevents a different person (a company) from appropriating those powers by form, presentation, or convenience. A party cannot claim the benefit of a statutory power while disavowing the statutory status and conditions that attach to that power. If a company acts as if it holds enforcement powers reserved to individuals, equity treats that conduct as ultra vires and ineffective, and will deny relief or advantage flowing from it.

Looking through the posts and documents on challenging mortgages unfortunately couldnt find a SAR 1, 2,3 to follow the process. Ive tried AI and it may be me but i didnt get a good response. Found a post that refers to the 13th of Feb weekly meeting last year im going to hunt out. Other than that do i just amend the DCA SARs?

Equita want driving license, passport or birth certificate to verify who i am, and proof of residency as I've asked for the response by post. My question is, do I/ can I redact any information on my copy of my driving licence/proof of residency I simply don't trust these companies with my information Thankyou

Is it possible to try to get your mortgage payments returned on a mortgage that has already been paid. Is there anything on this site or others that i can look at?

Solaris sent me an email last week saying that a CCJ had been issued on 4th November and it would be enforced. No paperwork, no mention of it in the numerous emails before and since the 4th November,no due process. Luckily I was online at the time so saw it straight away. 10 minutes later there was another email recalling the CCJ one but luckily I had already forwarded it. Then another email with exactly the same wording apart from all of the CCJ details as in the previous email 🤔🤨 I responded stating that they had not followed due process blah blah blah. The day after another email was sent saying that it was sent by mistake🤣 I said 'too late, the damage has been done now and no mention in the 2nd email just the wording removed so I guess he was hoping I hadn't read the CCJ one🥱 anyway he got all teary eyed and said 'I said sorry🥹' I told him that the distress was off the scale due to mental health problems and the fear of court bailiffs turning up and taking the car and belongings😲he replied with 'that's preposterous and no bailiffs would turn up for a CCJ' I told him 'i watch don't pay we'll take it away so it must be true🤣' then he replied and said 'i told you it was a mistake and I said I'm sorry😭' oh how we can laugh when the shoe's on the other foot😂 anyway I told him I won't take that breach and all the others such as admitting they have no credit card agreement and neither do Barclaycard amongst other breaches especially calling me 'preposterous' knowing about mental health issues so I'll consider an out of court settlement in the next 7days😆 we'll see if he's stopped crying yet and reconsiders their bullying tactics used for almost a year🥱