Hi, I have a letter delivered through letterbox by sheriff officers.

I have c/tax arrears close to 5k during period wife was terminally ill.

The letter is a CHARGE FOR PAYMENT OF MONEY from Stirling park.

After wife passed away 3 years ago it has taken me that time to earn almost a full-time income at the minimum hourly rate.

I also have a part-time self-employed income.

My mortgage was in high arrears but I have been paying £50 extra to mortgage for the 3 years and paid every month, so arrears coming down.

I wrote recently to Stirling Park offering £50 a month with a review in every 6 months as my income increased or not.

They wanted me to call them to discuss it.

However, I crapped out of that as I had heard stories of how you have to tell them where you work, bank details etc and how folk had wages arrested.

I really do want to pay this debt off,

however,

my house has negative equity due to the slump since 2008.

if they have my bank details and arrest my wages.

I miss the mortgage and they will seize the house.

They have been absolute unfair with me.

How can I get a deal with them without giving my bank and employer etc?

Also,

I have a car on finance through a high-interest company

so the remainder of the balance is higher than car value but I need it to get to work.

Can they seize my car or items on finance?

My payment record with mortgage and car over last 2 years is good with all months paid to show I can pay with an arrangement I can afford.

Anyone got accurate advice on this.

If I lose car-I'm screwed.

If the house is repossessed I lose thousands, increasing my debt.

I have absolutely no equity whatsoever.

All the furniture in my house is a wreck.

To make matters worse.

The job I am in would sack me if I had an arrestment.

It's a job of trust I have served well.

Not dealing with money but a job of trust all the same.

contact the council directly whom you owe the CTAX money too.

tell the your story and that you are in dire straights.

you need to be pro active on this

as the sheriff officers WILL arrest your wages/bank account by hook or by crook

who's the council?

and how long has this CTAX not been paid?

are you getting all the benefits you are entitled too as well.

dx

South Lanarkshire Council who don't have the best reputations.

the council tax is over several years when my wife was terminally ill and the three years since she died

well I can say nothing more than my last post

you need to get this sorted.

have you check your are not entitled to any benefits etc grants etc?

entitled.to is a good site.

Contact your local elected councillor immediately, details should be on the web. Email and phone. Also copy in the local elected head

Of council.

Several threads here over the last month illustrating how they have stopped this type of action. In my situation they stepped in immediately to prevent an AOE!

Also the elephant in the room here. Have you been claiming your single person’s rebate. If not they will owe you money and you have every right to claim for it!

I'm working lots of night shifts so I can do all this on Monday.

I'm working very long hours nights.

Question is

-Do I have to reveal my bank details and employment details to the council or Stirling Park??

And the other question that's important because I live in a very rural area and have to travel far to work.

CAn they seize my car if its still under finance and worth less than what I owe?

no and no

but they can force you too via the court

you are in Scotland

its not like down south

they don't do things like seize cars etc.

but they can and WILL arrest your wages and bank account and you wont know about it till it happens.

but as this seems to be a historic debt, that would already of happened by now if they wanted too.

sorry but delaying this by another 5 days might be your downfall

if you can type here

you can use your phone

go ring the council NOW.

I'm heading out of the door to work I will do it first thing tomorrow morning then.

So they can seize cars in Scotland???

read the post I made

the last time I tried to speak to council about payment plan

they told me they would only discuss it if I was making a payment that day.

I didn't have money on me then and they also wanted all my work and bank details.

do as post 5

dx

I've got a hold of my local councilor who has started working on my behalf contacting people. So fingers crossed.

To repeat,

I am assuming you have been living alone?

If so you are entitled to the single person 25% discount.

This could add up to thousands of pounds over the years that could be taken off your debt!

If you haven’t claimed this,

call the council ASAP Monday.

They might even owe you money?