Hello Need some help please? I’m currently in arrears for previous 2 council tax bills and paying installments to clear balance. This year’s bill 2017-2018 has landed and council are threatening to take recovery action if installments are not made to bring account up to date for current arrears. I wrote pleading with council I am fully stretched on making payments for previous years and kindly add this amount together, payments will remain same until full balance is cleared out. My current payment plan is £160/mth. My Tax bill for year is £900. I cannot afford anymore to pay and worried they might increase debt by summoning to court adding further charges for this year’s bill. I want to pay and with current installments I will clear all arrears eventually but council will not budge. Any template letter I can send them that may make them change their mind and accept my plan? TIA.

its a premier account with lloyds with an agreed overdraft in place, however this account attracts afixed monthly fee and interest for any overdraft used in a monthly cycle. account was near to max overdraft but when monthly fee was applied and interest at billing date, it went over its agreed overdraft (they classify this unplanned)now if its unplanned it starts to accumulate charges until brought back within its agreed limit.

can a bank charge unplanned overdraft fees, if account went overdrawn or exceeded overdraft limit because monthly charges were applied?.

um..if a service contract is defaulted i.e mobile contract, tv etc and no credit agreement is signed other then accepting terms/condition of the provider. A default is placed for outstanding monies. can this be removed as its unenforceable in courts for not signing a cca. I have a default with VM for last outstanding bill which I still dispute.

i have signed the petion and also forwarded to many freinds by text with the link.

After a research on bailiffs and there tactics,consumer rights and putting a big fight with the bailiffs i eventualy got the charges droped.i would like to share the experiance as i belive there must be many people out the who give in to these (legal way)low life tugs who will use any form of tactics to gain money from you. i strongly ask to question every charge,gather evidence for being intimidating,unreasonable put them on the spotlight.capture conversation on phones,cctv,neighbour witness. as my post above i complained about the charges to philips by email and was initally fobbed off.with help of a friend i wrote another email, requesting the breakdown of charges and the visit details of the calling bailiffs name and court certifiying it(i wanted this in writing from them so my court action against them would had been simpler,they tried to give some bu**sh*t GPS fixed location verbally.from my point of view these can not prove the bailiff was outside my door or simply could had been on pavement,driving down :???:etc...),in view to take legal action.the company was quick in respondeing by removing the disputed charges and closing the account in full as paid the second payment only. i knew the bailiffs were trying it on from the beginning:lol: because i had a motor mechanic working on my vehical outside my house all day and the front door to my premises was wide open so the bailiffs woud had gained peacfull entry to my property.the mechanic was prepared to give statement if the matter needed to go to court. i have also learned that a form 4 complain against a bailiff is very serious,and if presented to the court for wrongdoing of a bailiff with evidance,it can have a serious effect on them. After this ill experiance,i have won but someone out there will not be lucky with these people and ask if come across these people to make life dificult for them ,when they get the message the consumers are not easy prey anymore,the low life bullies may start to think when taking debt cases from institues.

i was 50/pm with the courts but now the bailifs are dealing with it.i never made any payments to court. the bailifs agreed to accept the full balance in 2 payments,i made one succesfull payment and second one was not paid on time due to finnacial problems. there was a call made to me from philips outstanding payment which i agreed with them and payment will be in next 7 days. after 7 days i get the call and now the outstanding payment has increased by £200. when questioned they said that a bailif had been to the property after the phone call as the system recognizes no payment from you. now they are demanding more money . i want to pay the origionaly agreed 2 payment but they want more, my question can they still make home visits add charges even i agreed to pay the second payment in 7 days.

hi i have fine which was passed on to philips bailifs. the fine was £150+£80 victim surcharge+ £385 costs. total £615 i had parked my vehical and somebody blocked my drive. silly me i deflated there tyre with a nail. i was origionaly made to pay £50PCM but never made a payment for 3mths as in finnancial problems it was passed on to bailiffs and straight away added £85 on top. as i had to pay this off i agreed to pay in 2 payments (as could see money comming in for some work i done). 1 payment made and other was due in 30 days but unfortunaly things did not work as planned. after a further 2 weeks they call me and as i knew had more money comming in promised to pay following week. then everthing the costs and visit just added up when paying the final payment. the bailifs agreed to clear fine in 2 payments. i made one succesfull payment and second one was not paid on time due to finnacial problems. there was a call made to me from philips outstanding payment which i agreed with them and payment will be in next 7 days. after 7 days i get the call and now the outstanding payment has increased by £200. when questioned they said that a bailif had been to the property after the phone call as the system recognizes no payment from you. now they are demanding more money . i want to pay the origional agreed but they want more, please help can someone please advice as what can i do i hope i have posted in the right section, its just my financial situation is not good and this ontop is just making my life feeling down.