Hi.

I am currently going through with a DRO (debt relief order) and it's taking longer than I would wish,

plus the guy from Citz Advice is not really helping at all.

I get back tonight and 2 letters.

One is from Collectica, saying I now owe them £215, £140 of the remainder of the fine and £75 for their BS fees.

I have been paying this weekly, missed a week here and there but generally up to date,

it was for a motor fine with courts.

This is not in the DRO as fines can not go in dro.

However the 2nd letter is off CCS Collect. Saying I owe upto £300 for variou HMRC stuff. This fine is in DRO.

They have 'threatened' with action if I do not pay them etc.

They say 'our clent hmrc has authed us to recover full amount due. we regret that if no payment in 7 days

or an offer to pay etc we will advice cliebnt to litigate amount due with court costs and court fees.

This is in the DRO so what's going on?

Can anyone shed light on these 2?

I have been working in the library on new business ideas all day and the last thing I want to come home to is this ****!

I would just write back to CCS Collect and advise that this is included in your DRO.

CCS are simply a DCA

they have NOT LEGAL POWERS.

NEVER EVER pay a DCA on a Gov't debt

totally ignore them.

dx

collectica will continue to enforce the warrant as fines are not allowed to go in a DRO.

if they have only added £75 it is at compliance stage and you need to contact them asap to prevent a visit which will add £235 on as well.

send a letter to ccs collect who are not a bailiff company just a debt collector

and advise them that you are doing the dro,

and ensure it is included within when it goes through

Yes I was told as I have no contract with said DCA's I am in no way bound to anything they demand.

I will write to them tomorrow.

What about the Collectica one?

I am going to call the courts tomorrow and explain that I have been paying. Obvioulsy as I just said DCA have no power to demand their imaginary fees... So do I just call court and maybe offer a full payment? I can not really afford full payment but will if needed?

the warrant includes the costs they are paid first whether you pay the court or the company.

there will be a warrant of control issued by a magistrate or authorised clerk.

the fees are not imaginary, they are set in law, the taking control of goods (fees) regulations 2014

if you miss one payment by 1 day the court will send you a further steps notice.

if you don't pay after that or default again a warrant is automatically issued.

my advice is either pay it in full to collectica or arrange a payment proposal and don't miss a payment.

enforcement agents acting on behalf of the court are heavy handed and have the right to force entry if necessary.

so avoid another £235 and act quickly

Hi Joseph Blogs.

Thanks for info.

I have just called both the courts and Colectica and the courts are saying that they issued the extra fine rightfully and colectica are saying they are part of the court service and the fine of 75 is for the courts and not themselves.

I said I have no extra money to be paying out right now, but none of them are listening.

So what do I do... I really don't have any extra money to just be giving away!!

What are my options?

You say when paying your fine you missed the odd payment here & there

- this will be why it has been passed on for enforcement & why the Court don't want to know.

However did you ever receive a Final Steps Notice from the Court telling you that if your account was not brought up to date

then several enforcement options were available - on of which was for Bailiff action?

Have you brough it to the attention of Collectica that you are going through a Debt Relief Order?

Hi.

However did you ever receive a Final Steps Notice from the Court telling you that if your account was not brought up to date

then several enforcement options were available - on of which was for Bailiff action?

No, I did not get any letter as such?? Should I have?

Have you brough it to the attention of Collectica that you are going through a Debt Relief Order?

I have not no, as court fines can not be inclued???

I called Collectica and they said they are working for Courtds and the added £75 is not profit for them as they are enforced by the courts?

What annoys me is I have just paid £5 a week off taking it down to 140 and now they just add £75 on which takes it back to £215 orginal fine amount.

I seriously have no money spare to be giving away, hence the DRO?

I'm a strong person, and do not let this **** eat me away, but what do young mums with 3 kids and young 20 year olds do with this stuff... it's hardly even humane is it, how can it be allowed to be so blunt and brutal?!

No further steps no can send bailiffs.

No further steps no can send bailiffs.

?

Sorry didn't quite follow that? How do you mean mate?

I am inclined to call the courts again tomorrow, and say that I did not receive a letter to say 'if no payment received etc' because I didn't?

What can I do about this?

Because I did not receive a letter warning me.

Hi.

Just regarding this COLLECTICA issue.

I have called them and they said they are not going to revert the COLLECTICA issue back. So after paying £5 a week and getting down to £140 their £75 fee has now gone back on making my payments pointless.

I am now faced with calling Collectica and paying all my money. I don't even have!

So am I screwed over here or what or is there something I can do about this?

Because if I don't pay soon they will happily send out a payments officer and add on £275 (which is just beyond me how that is even legal).

Please advise asap.

called the court yet regarding not getting the notice?

dx

I did and they said that 'we sent it out and as far as we are concerned you should have it' was that blunt!

On the phone to the manager guy and he was being an ass basically (love their job too much these people).

So... Have the bast**ds got me here?

Have you not called collectica and asked for a short term arrangement yet?

Cant be long until the 14 days is up and it goes out for a visit surely

Hi I have called Collectica and the rude phone monkey said he will not be taking the fees off.

And that I must pay the extra £75 fee making my weekely payments pointless..

So am I screwed here or what??

The fees are set by the government and to be fair they obviously won't take the fees they are entitled to off.

Like i said before, if it is still at compliance stage they may offer a short term arrangement but if you leave it - it will go out for a visit, the full amount with the £235 fee will go on and they wont accept anything less than the full amount.

So Have you done this yet???

I have just called them.

Very rude staff.

He said he would not talk to me about a payment option until I had made a payment.

I said I wanted to pay £25 a week and he said whe won't talk to me until I have made a payment, but have been told that convos are not worth anything in talking, so what do I do here?

All of these people have such a ****ty attitude...

I have paid it off now. I had money in my account but after paying rent and now this I have nothign left.

What are you seriously meant to do? It's totally messed up how brutal this system can be to you. Here's my advice, screw the system because that's all it's doing to you! Everyone is out to get someone.

I know a lot of you will say 'well don't get into trouble in the first place' but that is not my point. My point is, what about young mums with 2 kids who are struggling as it is, the amount of stress these people and the system cause to you is deadly.

Did anyone hear that story about the old guy who died of a heart attack because the debt collector forced him to go to the cash machine for money?

It's distgusting...

they were debt collectors not bailiffs.

dx

they were debt collectors not bailiffs.

 

 

dx

acting on behalf of HMCTS for an unpaid fine & adding the compliance fee definitely not debt collectors

I am in the process of Debt Relief Order.

All seems to be OK and it should be going through in the next week or so.

My old shop rent is in there, just one issue,

I had to find a guarantor and my step father said he would take it.

But obvioulsy now things have not worked out as planned.

The shop rent is in the DRO but what about my step father?

Is there anything that can be done?

The council are aware that the money owed is going in a DRO but my step dad has not heard anything yet.

Can anyone shed some light on this?

Am I best speaking with the council to see if they will forget this?

My step father isn't in the best health at the moment and also in the best financial ability right now.

Any help is much appreciated.

Thanks.

I will try and find some help for you. Sadly I think your step father will be pursued as he is a guarantor

Is it worth me trying to call the council and try to negotiate with them?