 buchanan clark and wells - please please help
Hi all
am posting this in both the Debt collection industry and Scottish Debts sections in the hope that someone can help me
it all started early last year, I was niave (sp?) when i took on a new flat to believe that the payments i was making to the landlord included the council tax, as far as I was concerned this was never put in my name and I heard nothing about it, after moving home in April 07 I then recieved a letter to my home address in apx Jul/August time from Glasgow city council chasing outstanding council tax, i filled out all the forms but also put in a letter explaining about the landlord and heard nothing more, I was then chased for 2007 fiscal years amount (apx £45) by a company called Scott & Co which i happily paid and gave details of the transcash number etc. I heard nothing more from Glasgow city council until Feb of this year requesting payment again, I wrote back to them and explained yet again what had happened, no response.
I then recieved a letter from Buchanan Clark and Wells dated 20th June advising that the council tax was still in arrears and that their 'clients' Glasgow City Council had obtained a summary warrant for the amount and that they had been instructed to collect it, I wrote to them requesting at very least the address of the property that it related to (i lived in several flats over the 2 years i was there) and had no acknowledgement, I then recieved a further letter dated 7th July advising notification to take further action as the requests for payment had not been responded to. I wrote to them again and requested the information as before and had no acknowledgement until this morning where another letter dropped on the mat from BCW advising an arrestment of bank/building society account, and could i please contact their payment line to make payment, discuss reasons for non-payment and possible repayment, and finally the letter had the address on, now I am one of these people that if I owe something then i'll pay it, might take a few months but i'll pay it.
So I rang them full of hope that they would be as understanding as everyone else, yeah right!!!!, the lady at BCW advised that they hadn't recieved my letters (surprise surprise) and when I explained that I would need to pay it over 4 months that was met with a resounding no, either a lump sum, two payments or arrestment, my choice, I explained that I was in the process of paying other companies (bank loan, credit cards, two other companies for outstanding debts before they invoked debt collectors and another debt collector) at which point she explained that it had to be made in a maximum of two payments, i could make more if I wanted but they wouldn't be counted and the bank account would still be arrested and I would need to contact these other firms and explain why the payments weren't being made. I got rather upset at this point and put the phone down but subsequently contacted two of the other firms to see if the payments that remained could be spread even further which they were happy to do, but am still left reeling with BCW's demand of must be made within 2 payments or else.......
I mean to be honest, what can they do if I am no longer in Scotland so am surely no longer bound by Scottish law, or does it not work that way?
if anyone can help I would be most appreciative.
and just for clarification I only work part time due to ill health so only take home apx 600-650 per month of which apx 550 goes to various companies and agencies.
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