Council tax request and payment.

francis: of the family hanney made this Freedom of Information request to Neath Port Talbot County Borough Council

This request has been closed to new correspondence from the public body. Contact us if you think it ought be re-opened.

Response to this request is long overdue. By law, under all circumstances, Neath Port Talbot County Borough Council should have responded by now (details). You can complain by requesting an internal review.

francis: of the family hanney

Dear Neath Port Talbot County Borough Council,

Under the freedom of information act 2000 I require full disclosure of the following...

I am writing to you today to request information regarding your consumer credit license, which I presume you must have in your possession in order to be able to collect money for council tax.

According to section 6 (forms etc. of applications) subsection (2) of the Consumer Credit Act 1974 you must apply to the Office of Fair Trading, and that application, under subsection (2A) must be accompanied by the charge payable for that license.

So I would ask you to provide a copy of the application to the office of fair trading for a consumer credit licence, and/or a letter of acknowledgement regarding the receipt of an application by you, from the office of fair trading; also I would request to see copies of any receipts, or invoices you would have received from the Office of Fair Trading for the purchase of the consumer credit license.

The OFT requires an applicant to stipulate what categories apply to that applicants business when applying for a consumer credit license; therefore, your application, you may or may not have sent to the Office of Fair Trading should contain the categories you are required to select in order to obtain a consumer credit license? The categories are illustrated on the OFT website and are listed as follows:

Category A - consumer credit business
Category B - consumer hire business
Category C - credit brokerage
Category D - debt adjusting
Category E - debt counselling
Category F - debt collecting
Category G - debt administration
Category H - provision of credit information services (whether or not it includes or excludes credit repair and if on a commercial or non-commercial basis)
Category I - credit reference agency.

On top of that I would also request you send me a copy of the actual consumer credit license, issued to you by the office of fair trading.

According to the Office of Fair Trading (OFT) website page headed Credit licensing, and pursuant to the Consumer Credit Act 1974, most businesses that provide goods and services on credit or for hire, lend money or provide debt collecting, debt counseling or debt adjusting services to consumers need to have a credit license; and according to the OFT, it is a criminal offense to trade in credit activities without a credit license.

According to the OFT website page headed ‘Penalties and requirements’, trading without a license is a criminal offense, it states:

It is a criminal offense to carry out any activities that require a consumer credit license, before a license is issued to you.

Unlicensed trading is punishable by a fine and/or imprisonment. Additionally, if any of your customers were to default on a payment, you would not be able to enforce the credit agreement made while you were unlicensed without making a special application to the OFT.

The immediately above clearly stipulates that you would not be able to recover any default payments, if you do not have a consumer credit license, unless you make a special application to the OFT.

According to the OFT website page headed ‘Validating Credit Agreements’, regulated agreements, whilst unlicensed cannot be enforced by the courts.
A validation order would have to be sort to make these agreements enforceable. A validation order will be required if you entered into a credit or hire agreement or carried on an ancillary business when you did not hold a Consumer Credit License covering the relevant Category of business.

You have 14 days from the date of this letter to provide proof that indeed you are in possession of a consumer credit license accompanied by the other documents I have requested in this letter; failure to do so we leave me no option other than to inform the OFT that you are operating a business collecting money without a consumer credit license, which is a criminal offense, which may lead to a prosecution. This letter will be submitted to Trade and standards, seems the OFT has been taken over by the FCA.

Yours Sincerely,

Francis Glanmor

FOI Team, Neath Port Talbot County Borough Council

Thank you for your Freedom of Information request received today, 19th September, 2019. We are generally required by the Freedom of Information Act 2000 to provide you with a response promptly, and within no more than 20 working days of receipt of a request, which will be on or before 17th October 2019. If we require any clarification or further details we will contact you as soon as possible, if this is the case then the timescale for response specified above may be subject to change. If you have any queries, please do not hesitate to contact this team.

FOI Team
[Neath Port Talbot County Borough Council request email]

We welcome correspondence in Welsh and will deal with Welsh and English correspondence to the same standards and timescales.
Croesewir gohebiaeth yn y Gymraeg a byddwn yn ymdrin â gohebiaeth Gymraeg a Saesneg i’r un safonau ac amserlenni

This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. If you have received this email in error, please notify the sender immediately. Please note also that there is no guarantee that this email or any attachment is virus free or has not been intercepted or amended.

In the event that this email and/or its contents are not intended for you or your organisation, please do not open any documents that may be attached and advise the sender of the email accordingly, confirming that you shall forthwith delete the email together with any documents attached and provide confirmation that none of the documents have been opened.

Mae'r e-bost hwn ac unrhyw ffeiliau a drosglwyddir gydag ef yn gyfrinachol ac at ddefnydd yr unigolyn neu'r corff y cyfeiriwyd hwy atynt yn unig. Os ydych wedi derbyn yr e-bost hwn mewn camgymeriad, dylech hysbysu'r person a anfonodd yr e-bost ar unwaith. Hefyd, sylwer nad oes unrhyw sicrwydd nad yw'r e-bost hwn neu unrhyw ymgysylltiad yn rhydd o firws ac nad yw chwaith wedi'i ryng-gipio na'i newid.

Os na fydd yr e-bost a/neu ei gynnwys wedi ei fwriadu ar eich cyfer chi neu eich sefydliad, peidiwch ag agor unrhyw ddogfennau a allai fod yn atodedig a rhowch wybod i anfonwr yr e-bost yn unol â hynny, gan gadarnhau y byddwch yn dileu'r e-bost ar unwaith ynghyd ag unrhyw ddogfennau atodedig a rhoi cadarnhad nad oes un o'r dogfennau wedi'u hagor.

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FOI Team, Neath Port Talbot County Borough Council

Dear Sir,

I refer to your Freedom of Information request of the 19th September 2019 and would inform you that The Authority does not hold a Consumer Credit Licence because we are not registered with the Financial Conduct Authority as we do not undertake any regulated activity which would require us to register with the Financial Conduct Authority.

Accordingly , we do not hold any copies of the documentation that you have requested from us in your request.

If you are dissatisfied with the response to your request, under the Authority's FOI Policy, you may appeal in writing setting out the reasons why you think the decision is erroneous, to the Authority's Monitoring Officer at the following address:-
 
Head of Legal Services & Monitoring Officer Civic Centre Port Talbot
SA13 1PJ
FOI Team
[Neath Port Talbot County Borough Council request email]

In the event that you appeal and are dissatisfied with that response, you may then appeal direct to the Information Commissioner, whose address is:
 
Wycliffe House,
Water Lane,
Wilmslow,
SK9 5AF.
 
Yours faithfully
FOI Team
[Neath Port Talbot County Borough Council request email]

We welcome correspondence in Welsh and will deal with Welsh and English correspondence to the same standards and timescales.
Croesewir gohebiaeth yn y Gymraeg a byddwn yn ymdrin â gohebiaeth Gymraeg a Saesneg i’r un safonau ac amserlenni

If you would like to use Welsh when dealing with the Council please click here Os hoffech ddefnyddio'r Gymraeg wrth ddelio â'r Cyngor os gwelwch yn dda cliciwch yma

This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed.  If you have received this email in error, please notify the sender immediately. Please note also that there is no guarantee that this email or any attachment is virus free or has not been intercepted or amended.

In the event that this email and/or its contents are not intended for you or your organisation, please do not open any documents that may be attached and advise the sender of the email accordingly, confirming that you shall forthwith delete the email together with any documents attached and provide confirmation that none of the documents have been opened.

Mae'r e-bost hwn ac unrhyw ffeiliau a drosglwyddir gydag ef yn gyfrinachol ac at ddefnydd yr unigolyn neu'r corff y cyfeiriwyd hwy atynt yn unig. Os ydych wedi derbyn yr e-bost hwn mewn camgymeriad, dylech hysbysu'r person a anfonodd yr e-bost ar unwaith. Hefyd, sylwer nad oes unrhyw sicrwydd nad yw'r e-bost hwn neu unrhyw ymgysylltiad yn rhydd o firws ac nad yw chwaith wedi'i ryng-gipio na'i newid.

Os na fydd yr e-bost a/neu ei gynnwys wedi ei fwriadu ar eich cyfer chi neu eich sefydliad, peidiwch ag agor unrhyw ddogfennau a allai fod yn atodedig a rhowch wybod i anfonwr yr e-bost yn unol â hynny, gan gadarnhau y byddwch yn dileu'r e-bost ar unwaith ynghyd ag unrhyw ddogfennau atodedig a rhoi cadarnhad nad oes un o'r dogfennau wedi'u hagor.

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francis: of the family hanney

Dear FOI Team,

What is the name of the man or woman that is replying?

Is the council not conducting in commerce in regards to services offered and demands of council tax payments? Surely if the council or should I say... Its agents acting on behalf of said corporation are offering a service and then sending demands of payment (of which are not true bills as per the bills of exchange act) then this is a commercial transaction yes? And is there a contract or agreement involved as I am yet to witness one in any form of physicality.

Yours sincerely,

francis

FOI Team, Neath Port Talbot County Borough Council

Dear Sir,

I refer to your email of today, 24th September, 2019.

The response to your Freedom of Information request of the 19th of September 2019 was provided by Mr. H. Jones, Head of Financial Services.

If you are dissatisfied with the response to your request, under the Authority's FOI Policy, you may appeal in writing setting out the reasons why you think the decision is erroneous, to the Authority's Monitoring Officer at the following address:-
 
Head of Legal Services & Monitoring Officer
Civic Centre
Port Talbot
SA13 1PJ
FOI Team
[Neath Port Talbot County Borough Council request email]

In the event that you appeal and are dissatisfied with that response, you may then appeal direct to the Information Commissioner, whose address is:
 
Wycliffe House,
Water Lane,
Wilmslow,
SK9 5AF.
 
Yours faithfully
FOI Team
[Neath Port Talbot County Borough Council request email]

We welcome correspondence in Welsh and will deal with Welsh and English correspondence to the same standards and timescales.
Croesewir gohebiaeth yn y Gymraeg a byddwn yn ymdrin â gohebiaeth Gymraeg a Saesneg i’r un safonau ac amserlenni

If you would like to use Welsh when dealing with the Council please click here
Os hoffech ddefnyddio'r Gymraeg wrth ddelio â'r Cyngor os gwelwch yn dda cliciwch yma

This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed.  If you have received this email in error, please notify the sender immediately. Please note also that there is no guarantee that this email or any attachment is virus free or has not been intercepted or amended.

In the event that this email and/or its contents are not intended for you or your organisation, please do not open any documents that may be attached and advise the sender of the email accordingly, confirming that you shall forthwith delete the email together with any documents attached and provide confirmation that none of the documents have been opened.

Mae'r e-bost hwn ac unrhyw ffeiliau a drosglwyddir gydag ef yn gyfrinachol ac at ddefnydd yr unigolyn neu'r corff y cyfeiriwyd hwy atynt yn unig. Os ydych wedi derbyn yr e-bost hwn mewn camgymeriad, dylech hysbysu'r person a anfonodd yr e-bost ar unwaith. Hefyd, sylwer nad oes unrhyw sicrwydd nad yw'r e-bost hwn neu unrhyw ymgysylltiad yn rhydd o firws ac nad yw chwaith wedi'i ryng-gipio na'i newid.

Os na fydd yr e-bost a/neu ei gynnwys wedi ei fwriadu ar eich cyfer chi neu eich sefydliad, peidiwch ag agor unrhyw ddogfennau a allai fod yn atodedig a rhowch wybod i anfonwr yr e-bost yn unol â hynny, gan gadarnhau y byddwch yn dileu'r e-bost ar unwaith ynghyd ag unrhyw ddogfennau atodedig a rhoi cadarnhad nad oes un o'r dogfennau wedi'u hagor.

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francis: of the family hanney

Dear Mr H Jones,
And the answer to the other questions that was asked?
Yours sincerely,

francis.

FOI Team, Neath Port Talbot County Borough Council

Dear Sir,

We have provided a response to your question regarding whether the Council is registered with the Financial Conduct Authority. If you feel that the Council should be registered then you are entitled to that view and I suggest you lodge a complaint with the Financial Ombudsman. We will not be responding to any further correspondence on this specific issue.

Yours faithfully,
FOI Team
[Neath Port Talbot County Borough Council request email]

We welcome correspondence in Welsh and will deal with Welsh and English correspondence to the same standards and timescales.
Croesewir gohebiaeth yn y Gymraeg a byddwn yn ymdrin â gohebiaeth Gymraeg a Saesneg i’r un safonau ac amserlenni

This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed.  If you have received this email in error, please notify the sender immediately. Please note also that there is no guarantee that this email or any attachment is virus free or has not been intercepted or amended.

In the event that this email and/or its contents are not intended for you or your organisation, please do not open any documents that may be attached and advise the sender of the email accordingly, confirming that you shall forthwith delete the email together with any documents attached and provide confirmation that none of the documents have been opened.

Mae'r e-bost hwn ac unrhyw ffeiliau a drosglwyddir gydag ef yn gyfrinachol ac at ddefnydd yr unigolyn neu'r corff y cyfeiriwyd hwy atynt yn unig. Os ydych wedi derbyn yr e-bost hwn mewn camgymeriad, dylech hysbysu'r person a anfonodd yr e-bost ar unwaith. Hefyd, sylwer nad oes unrhyw sicrwydd nad yw'r e-bost hwn neu unrhyw ymgysylltiad yn rhydd o firws ac nad yw chwaith wedi'i ryng-gipio na'i newid.

Os na fydd yr e-bost a/neu ei gynnwys wedi ei fwriadu ar eich cyfer chi neu eich sefydliad, peidiwch ag agor unrhyw ddogfennau a allai fod yn atodedig a rhowch wybod i anfonwr yr e-bost yn unol â hynny, gan gadarnhau y byddwch yn dileu'r e-bost ar unwaith ynghyd ag unrhyw ddogfennau atodedig a rhoi cadarnhad nad oes un o'r dogfennau wedi'u hagor.

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francis: of the family hanney

Dear FOI Team,

I am still waiting for answers to the following questions...
Is the council conducting in commerce in regards to services offered and demands of council tax payments? Surely if the council or should I say... Its agents acting on behalf of said corporation are offering a service and then sending demands of payment (of which are not true bills as per the bills of exchange act) this is a commercial transaction yes? And is there a contract or agreement involved as I am yet to witness one in any form of physicality.

Yours sincerely,

Francis.

FOI Team, Neath Port Talbot County Borough Council

Dear Sir,

We have provided a response to your question regarding whether the Council is registered with the Financial Conduct Authority. If you feel that the Council should be registered then you are entitled to that view and I suggest you lodge a complaint with the Financial Ombudsman. We will not be responding to any further correspondence on this specific issue.

Yours faithfully,
FOI Team
[Neath Port Talbot County Borough Council request email]

We welcome correspondence in Welsh and will deal with Welsh and English correspondence to the same standards and timescales.
Croesewir gohebiaeth yn y Gymraeg a byddwn yn ymdrin â gohebiaeth Gymraeg a Saesneg i’r un safonau ac amserlenni

This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed.  If you have received this email in error, please notify the sender immediately. Please note also that there is no guarantee that this email or any attachment is virus free or has not been intercepted or amended.

In the event that this email and/or its contents are not intended for you or your organisation, please do not open any documents that may be attached and advise the sender of the email accordingly, confirming that you shall forthwith delete the email together with any documents attached and provide confirmation that none of the documents have been opened.

Mae'r e-bost hwn ac unrhyw ffeiliau a drosglwyddir gydag ef yn gyfrinachol ac at ddefnydd yr unigolyn neu'r corff y cyfeiriwyd hwy atynt yn unig. Os ydych wedi derbyn yr e-bost hwn mewn camgymeriad, dylech hysbysu'r person a anfonodd yr e-bost ar unwaith. Hefyd, sylwer nad oes unrhyw sicrwydd nad yw'r e-bost hwn neu unrhyw ymgysylltiad yn rhydd o firws ac nad yw chwaith wedi'i ryng-gipio na'i newid.

Os na fydd yr e-bost a/neu ei gynnwys wedi ei fwriadu ar eich cyfer chi neu eich sefydliad, peidiwch ag agor unrhyw ddogfennau a allai fod yn atodedig a rhowch wybod i anfonwr yr e-bost yn unol â hynny, gan gadarnhau y byddwch yn dileu'r e-bost ar unwaith ynghyd ag unrhyw ddogfennau atodedig a rhoi cadarnhad nad oes un o'r dogfennau wedi'u hagor.

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