Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.
The book is easy to understand and clearly explains the rights
a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.
I have always paid my council tax by direct debit, however last year the council made a blunder that resulted in me getting some bank charges. After this i decided to cancel the direct debit and started paying over the counter.
If you pay over the counter payment must be made on the 1st of the month but by direct debit you can pay on 7th,14th,21th,or 28th. Paying on the 1st of the month is not always convenient to me. Over the last couple of months i have paid towards the middle of the month and have received threatening letters from the council saying I'm in arrears. Ironically I have been and paid this months payment today but came home from work to a letter demanding full payment of this years council tax!!! stating that im in arrears and if i dont now pay in full they are going to take me to court !!!, How can i be in arrears when people that are paying by direct debit have not even paid yet this month.
How can they get away with offering 4 different payment dates for direct debit customers but only 1 if you don't want to use direct debit !!. Sounds like discrimination to me but i would like to know how they stand legally.
I'm not sure where they stand legally but it is obvious why they prefer to have pay'ts by DD and are willing to accept slightly later pay't dates for DD payers.
Call the Council offices to:-
1) Confirm they are happy that your monthly pay's are up to date.
2) Ask if they can accept your monthly pay'ts on a slightly later date than 1st so you have the money in place for your pay't to clear.
I know it's wrong but you may be better going back onto DD and hope they don't screw up again.
Did you get the Council to pay for the resultant bank charges.
Any help and advice is offered in good faith, based solely on my own knowledge and on experience gathered from this site. I am not qualified to offer legal or financial advice, which you should seek from an expert before making any important decisions. My opinions are therefore offered without liability.
Any help and advice is offered in good faith, based solely on my own knowledge and on experience gathered from this site. I am not qualified to offer legal or financial advice, which you should seek from an expert before making any important decisions. My opinions are therefore offered without liability.