Hi there..

I have recently been dealing with NEWLYN debt collection agency due to my council tax arrears that has already been to court and they have a liability order to take my belongings etc..

I am in a large amount of debt to many companies, agency's.

Had my head in the sand for a while but finally got myself back on track and dealing with it all.

NEWLYN is one of my smaller debts only 500ish left now, as it was court ordered and a government debt I decided to sort this one first...

Which has now left me wanting to just bury my head back in the sand again.

.they wouldn't accept my repayment amount which I could afford.

They scared me into accepting a payment which I really couldn't afford.

I struggled and made the first 2 weeks payment.

But could only pay 40 on the third week rather than 50.

They have told me now that I have broken the agreement and want it all In full otherwise a removal truck will be at my address 6am the next morning.

Giving me about 12 hours notice..

Unless I could make the original repayments again..

I told them I couldn't afford it that's why I had a broken arrangement.

But they wouldn't have any of it.

I have read lots of old posts from 2008 ish and they have helped me a lot.

I was wondering mainly if anyone knows if anything has changed since then etc..

For better or for worse.

Really don't know what to do as charges and interest is building up..

Any help would be really appreciated.

Thanks

Tristan

has he been in your property?

I will assume you have had a notice of enforcement [£75}

and the subsequent Visit adding another £235.

dates in the story would help too.

I have read lots of old posts from 2008 ish and they have helped me a lot. I was wondering mainly if anyone knows if anything has changed since then etc..

For better or for worse.

 

Really don't know what to do as charges and interest is building up.

 

A LOT has changed since that time. In 2014, bailiff enforcement was completely overhauled and the fees that can be charged are now much simpler to understand...and in most cases, less than was actually charged in 2008.

Thanks

Tristan

You mention that charges and interest are building up. There are only two fees that should concern you. When the Notice of Enforcement is sent...a Compliance fee of £75 is added to the debt. If a visit is made, an enforcement fee of £235 is also added. If the bailiff cannot get a response when he arrives at the property, he cannot charge another enforcement fee. Such a fee can only be charged ONCE. Interest charges cannot apply either.

As DX100 has already asked......has a bailiff ever been into your home?

Hi there guys, I really appreciate the speedy response, must apologise for my reply speed. Using a terrible tablet.

The bailiff hasn't entered my home no.. Im working 6-7 days a week long hours.

Was also wondering if they can break in to my home to gain entry.?

That is my main worry as they would leave the property vulnerable and I have a expensive dog coupled with living in a less than desirable area of the country.

The court date was on 13.6.18 an was 322.82

Notice of enforcement was on 18.7.18 an was 397.82 then.

Control of goods letter 7.8.18 then was 632.82

Removal of goods letter 28.9.18

Then another removal notice on 12.10.18

Have been talking on the phone to the enforcement agent and he is less than reasonable.

Saying that I have a van which I sold a couple of months back.

Threatening with gaining forceful entry when I said I wouldn't be home.

Thanks again for your replies

Tristan

Yeah the fees seem right to be honest then

he cant force entry

really surprised they are saying this... shame ofcourse you didn't record it.

nothing more he can do really.

tell him what you are going to pay and when...

tough if he doesn't like it IMHO.

Thanks that's good to hear. Thanks for your time

Tristan

Removal trucks, forced entry it's all lies. The only way in is if you invite them in or you leave a door or window unlocked. I don't think bailiffs are much longer for this world, even if they get there hands on people's stuff, it's just not worth very much anyway these days, it's a dying business! Anyhow I digress.

Having had some experience of these deeply unpleasant people, you would be best served ringing and emailing your local councillor / elected head of council. Their details are publicly available, you just need to Google them. Email to local councillor along the lines of..

' I have got behind on my council tax, and understand the importance of paying it back but I have your council bailiffs threatening to break into my house and forcing me to pay the whole lot within 24 hours. I simply cannot afford to do this otherwise I will not have enough money to eat.. However I would be able to afford XX pounds per month to pay this off direct to the council, and would be happy to review after 6 months. It would be great if you could arrange to remove the bailiffs from my case and set up a direct arrangement'

Also it's worth checking your local council's code of practice on this. If there is an ill, pregnant , elderly , generally vulnerable person in your property the council have no choice but to call their attack dogs off.