Many thanks again Tom. very helpful

Excellent B.A.T.S , thank you and you for pm Tom.

Ok, thanks again.

Didn't get PM from Tom but not too worry. My girlfriend phoned the council and has a meeting with them today at 4pm. No women was horrified and said she will sort it all out with the legal dept. So hopefully a happy ending and thanks for all your help. I cannot believe however that the bailiff took £200 without permission from previous card details. Is there any recourse there? The bank actually honoured it despite there not being enough in the account. Got a £12 charge though of course!

Thanks for replies. However I have now had my girlfriend explain it properly. No was NO direct debit, it was meant to be £200 a month originally bit when the first payment became due she had no money in the account and subsequently cancelled the direct debit ( to stop bank charges etc ). The bailiff then started ringing her in the late evening every Sunday demanding money. She paid my maestro card over the phone, a couple of £80 payments and £200 at end of July. Now the alarming bit ..... He took £200 from her account via the original maestro card details at the end of August!!! He had obviously kept the card details from the earlier agreed payments with my girlfriend. On this occassion he just helped his self. She never agreed to this although I suppose he will claim she did. Yes cheers mate if you could look him up - Equita - his name is (EDIT) many thanks

My girlfriend has a direct debit with Equita of £200 a month for council tax owing.Today the guy phones up saying he must have all the money by Friday or they will turn up at the door etc etc. He says the direct debit will be cancelled and that she must pay the full arrears of £700. I am aware they cannot cancel a direct debit ( which has been honoured /paid for the last few months) as it is a contract. I know he can't get in as he hasn't been in before and she won't let him in or sign a walk in possession etc. I know as the debt as dragged on for a while if he closes it quickly he gets a bonus from his boss ( know this from another bailiff! ). So he is using intimidating tactics. Can someone tell me what she can tell him on the phone please? e.g. 'You cannot request this money or cancel the direct debit as such and such ruling dated 19** states etc'?? Many thanks in advance folks.

I am watching this with interest. I am not as far down the line as you but I have all the information I need now to reply to them. Thanks all and particularly Curlyben!

Thanks for the replies, yes it was secured on the property. Thanks again.

I wonder if some kind soul could help me here? My partner and I recently got into arrears and they took us to County Court to try to re possess the house. ( If we could not come to some arrangement with the arrears). The loan was in both our names. I could not attend as I had to look after our newborn. The house already has a charge on it from a national bank, something the lender know about. (although if after the other bank took their charge part there would be nothing left for them). The judge threw it out saying it was in the wrong court ( I presume he meant it should have been in the Magistrates)? He also commented that they were wasting everyone's time as there was already a charge on the house. My partner did agree a repayment plan with the lenders representative at the hearing subsequently. The judge had been damning about the lender bringing this action to the court. Although my name and signature are on the loan agreement with interest rates etc. the house is not in my name only in my partner's. Would I be correct in assuming I can get my name taken off the loan ( unregulated Credit Agreement ) as it was based on the house? I am currently unemployed at present. Any comments would be greatly appreciated.

muggins; cool as a cucumber remember? we done!

Got mine today as well Jenni - well done :grin:

LondonPam - did you have any luck?

Thanks folks, won't be long Westy. So glad I didn't have to do the dreaded bundle. cheque was dated 2/2/07 - one day after court order - they like to make you wait.

Guess who got a knock at the door today? Yup me. Paid up £2000 - just AQ costs to come - thanks ever so much for all your help and when my cheque clears I'll make a donation to this great site. Marvellous Can someone move to ' Won ' please?

Think it may be resinded