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.
My first post, sorry it’s lengthy but very serious; I would love to hear some feedback, thanks in advance.
Working as a self-employed courier in London for approximately 1 year, inevitably I would get parking tickets from various London boroughs, and instead of contesting them I would just pay them, and can prove I paid quite a lot in parking fines. If they have a photo of my vehicle parked while the meter has ran out of time, then I have no basis to contest right?
It was not until after I left that job that I learned I could have rightfully contested my parking tickets by showing my daily worksheet, and that I was just doing my job, and I could have avoided paying over half of them! I paid a huge amount of money that year in fines, which I cannot even claim as expenses!!
I moved address towards the end of that year, and almost a year after that I went to my old address to check for mail. I was horrified when the new occupants handed me a bag full of threatening letters from debt collectors, saying I owe ridiculous amounts of money, and the new occupants regularly get visits from bailiffs looking for me and my vehicle. On average they get one or two visits per week, and they ignore that they’re told I don’t live there anymore. I can only imagine that a couple of tickets have evaded me by not being stuck on my windscreen, and “automatically” posted to me.
Not too long ago I found my vehicle clamped with a notice asking for £500, and I paid it promptly (I wasn’t even aware I owed anything to that company), soon after I declared my vehicle SORN and have been keeping it off the road, and did not change my address on my driving license on purpose out of fear.
I am more than terrified; there is no way I can even pay a quarter of what I am being charged! How does a £40 fine become nearly £500+ each? How do debt collectors justify such huge increases, are they allowed to do this by law? I have wanted to sell the vehicle for a while now, but I want these debt-collectors off my back first or else the new owner will probably get clamped on their first week!
Someone advised me to get in contact with the “Northampton county court”, but I don’t know what to say or how to go about doing this, if it is what needs to be done. Someone else advised me that I should declare myself personally bankrupt, but I have no idea how or what it involves either – for what it’s worth, I am currently unemployed and receiving JSA.
Question: If the relevant London boroughs have passed my debt onto debt-collectors, does this mean they have wiped my parking offences clean, and the debt-collectors are my only concern? This issue has put my life on hold in many ways, and filled me with fear. What can I do?
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Trapped in an impossible situation...
, saying I owe ridiculous amounts of money, and the new occupants regularly get visits from bailiffs
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