consumer forums consumerforums Total Bank Charges Returned : £16595128 to 9717 people. The Consumer Forums  
Bank Charges Refunds Survey | 'Buddy' System | Get an email address | Site Map | Registration Problems | FAQ
CAG Products - We think that these will help you to make your claim or Reclaim your Right

These sales also help us to keep helping YOU and keeps this site free of third party adverts!

Small Claims Kit Small Claims Court Guide
**New Edition**
CallBurner - Skype
CallRecorder Review
Last Will & Testament Kit Fight a Motoring Ticket
 
Alternatively you could purchase a CAG email address here, or maybe you'd prefer our address labels here


UPDATE: Consumer Forums ConsumerWiki is now LIVE - click here: ConsumerWiki

N.B. Please note - due to postage costs these products are only available in the U.K.



Consumer Action Group envelope labels
You are part of a community of over 195,000 people.
Let your bank know that you won't give in.
Display one of our labels on your envelopes.
Full description here
Sheet of 20 self-adhesive envelope labels
£3.50 inc p&p





Reclaim the Right!
The Lawpack Small Claims Kit contains everything you need to get your bank charges refund. Sample forms, Instruction manual, template forms and an entire set of court forms in .PDF format on CDRom.

Just type in the details of your claim and print them out.


Reclaim the Right!


Sue your bank as often as you like with one Lawpack!!

With a Lawpack and Patricia Pearl’s book on Small Claims, you have everything you need to get your unfair bank charges refunded or assert other consumer rights.
(England & Wales only)

CAG Forum Users Price £11.99
(click image to buy)
Plus £1 P&P



Reclaim the Right!


New Edition
Small Claims Procedure by Judge Patricia Pearl
An excellent guide for the layperson
Not for use in Scotland
Read BF's Review Here




Stand up to Telephone Harassment

If you use Skype -
Record your phone calls with CallBurner
It's Hot!

Click below to download your
14 day trial copy
CallBurner
Skype CallRecorder download


Read the
Explanation and review here
£31.96 - includes 20% CAG discount
(normally £39.95)

We've managed to negotiate a discount for CAG Users on DIY 'Willpacks'


Click on the image to purchase a Wills kit - £12.99 + £1.00 pp

Remember...you can't take your reclaimed bank charges with you ;-)



Do your Internet search here



Reclaim the Right Ltd. - reg.05783665 in the UK
reg. office:- 923 Finchley Road London NW11 7PE
Do your Internet search here:-

  CAG Announcements
 
Welcome Guest
Please register
Registration is free
There are no charges for using any of the facilities of this website.
If this is your first visit, be sure to check out the FAQ. You will have to register before you can post. To start viewing messages, select the forum that you want to visit from the selection below.
You will also have to register to access our template letters and claims forms
registration is free
Are you being threatened over debts more than 6 years old?
This may be unfair
See our new Unfair Trading Guide
Bought an extended warranty?
Not satisfied?
The warranty may be an example of unfair trading
See our new Unfair Trading Guide
Have you been defaulted?
Would you like to clean up your credit file?
Check it out
Are you a victim of unfair trading?
Check it out
The Consumer Protection from Unfair Trading Regs 2008
Have you been defaulted?
Would you like to clean up your credit file?
Check it out
 
Bank Action Group Debt Action Group
 

Go Back   The Consumer Forums > The Consumer Forums
Debt Action Group > Dealing with Debt in Scotland

Dealing with Debt in Scotland Advice and guidance on Scotland specific debt issues


Welcome to The Consumer Action Group

and
The Bank Action Group


Before beginning to claim your bank charges be sure to read the FAQ by clicking the link above. Read it carefully and also read as much of the forum material as you can manage before you start claiming your bank charges refund. You will have to register before you can post or view the materials which may assist you in reclaiming your penalty charges: click the register link above to proceed. To start viewing messages, select the forum that you want to visit from the selection below. Understand what you are doing and you will be able to Reclaim the Right more effectively.

Why don't you come and introduce yourself in the Welcome section at the top of the forum. Then have a look around the rest of it.
Do not post or start claiming until you have read the entire FAQ section and step by step guides and you have a good basic idea of what to do and of the layout of the forum.
Good luck claiming your bank charges.
We strongly suggest that you register under a UserID and not your own name

Reply
 
LinkBack Thread Tools
Old 11th September 2008, 19:10   #1 (permalink)
DNA
Basic Account Customer
Default BCW / Glasgow City Council / Council Tax Arrears

My partner has received this letter from BCW.

Pursuers: Glasgow City Council

Enforcement of Summary Warrant

Council Tax Arrears

Despite contacting you on numerous occasions, you have not responded to any of our requests to settle you outstanding Council Tax arrears.

This notice is to remind you that a Summary Warrant was granted in the Sheriff Court for payment of your outstanding Council Tax.

New regulations require us to instruct Sheriff Officers to serve a Charge for Payment of Money on you before taking any further action. This will result in additional expenses being charged against your account. These expenses will be recoverable from you. If you do not pay the sum specified in the Charge for Payment the following action can be taken:

Arrestment of Earnings or acounts you have with Bank/Building Society

Arrestment of other money and moveable property

Attachment and auction of property held out with your home.

We will hold this action for seven days to allow you to clear your account or contact us on 0845 300 6891 to discuss a repayment arrangement.

I need to ask advice on the following questions:

1. The alleged debt relates to Council Tax arrears for a property my partner rented from Glasgow City Council from 1997 to 1999. Can a debt this old be chased?

2. My partner lives in England. How can a warrant issued in Scotland be enforced in England.

3. My partner tells me that he was claiming full Income Support for the period he lived at the address in question. I know that water rates are included in the Council Tax but not covered by Council Tax Benefit. In a telephone conversation with BCW recently they said that some of the arrears were for Council Tax and some for water. We asked for a breakdown but none was sent. If he was being paid Council Tax Benefit, how can Council Tax arrears accrue (understandable that water rates accrue and may be payable but we don't know how much).

Does anyone have any observations or advice?

Many thanks
Aleks (on behalf of Dave)
DNA is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 12th September 2008, 23:37   #2 (permalink)
IdaInFife
Platinum Account Customer
 
IdaInFife's Avatar
Default Re: BCW / Glasgow City Council / Council Tax Arrears

1. A council tax debt can
2.Summary warrnts do not need a hearing but not sure of the question
3. If you unsure of the debt you can send the council a Subject Access Request to get the full details
Even if you receive full CT benefit you can still pay for water and sewage charges


Ida x
IdaInFife is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 17th September 2008, 23:04   #3 (permalink)
Czechoslovakia
Basic Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Sep 2008
Posts: 3
Czechoslovakia Novitiate
Default Re: BCW / Glasgow City Council / Council Tax Arrears

I have something similar. This is my first comment here - and why I joined.

I received a letter from a company who I think are sheriffs officers claiming my father owed council tax.

My father died last century, although the council had made errors in his tax that appeared about 2000. These were resolved in about 2001, its a long time ago and I cannot remember the dates.

In about summer 2003 a man came to the door looking for my father. I explained he had passed away some years previously, then the man explained he had visited as there were outstanding council tax bills.

At this time I had all my dads paperwork in a bundle - and I showed him the death certificate, and the letters from the council from about 2000/2001 that cleared up their error. He accepted this and apologised saying that the councils records were lousy and he had to deal with this type of thing daily.

Last week the letter arrived from the people I think are sheriffs officers claiming my dad owes thousands of pounds.

About two or three years ago I threw out anything of my dads that was not of sentimental value.

I feel great annoyance over this matter, as my dad never owed anyone a penny in his life, and its worsened by having the matter resolved twice already, and by the council appointed sheriffs officer admitting himself that the council were clueless.

What should I do?

I doubt I could submit a Data Protection request for someone else, and I appreciate they cannot pursue him, but the entire affair sickens me, and I feel its like they are trying to tarnish the memory, through incompetence, of someone who paid them religiously his entire life.
Czechoslovakia is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Reply



Thread Tools


Similar Threads
Thread Thread Starter The Consumer Forums Replies Last Post
Buchanan Clark & Wells / Glasgow City Council / Council Tax Arrears DNA Debt Collection Industry 6 9th October 2008 22:00
Council Tax arrears spinningbee Local Authority, Council Tax and Business Rates Issues 9 22nd May 2008 21:04
Glasgow City council PCN's rodenal Parking / Traffic Offences 17 26th March 2008 10:50
Glasgow City Council-Double yellow lines - No PCN zander Parking / Traffic Offences 8 13th February 2008 19:56
Council Tax Arrears Colly910 Welcome to the Consumer Forums 4 19th February 2007 15:37




Do your Internet search here:

The Consumer Action Group and The Bank Action Group are registered trademarks
Reclaim the Right Ltd. - reg.05783665 in the UK reg. office:- 923 Finchley Road, London, NW11 7PE

Search Engine Friendly URLs by vBSEO 3.0.0 RC6 © 2006, Crawlability, Inc.