don't know if I'm posting in the right place, but, I'm being chased by baliffs for £800 council tax debt from my last property, that I swear I paid. Off. Even if I didn't (or more likely that I can't prove it) can they still chase me, it was 8 years ago?

The finance was for £21,000 we owed £9,000 when we got a statement last year, we have paid some more since then. We have been paying for 5 years, but on and off (more on than off) and not always contracted payments.

Sorry that's a long one isn't it. Please please help!!!

Hello everyone, In June 2007, we took out a car finance with Kia (ag finance). For 10 months we made payments no problem. In April 2008 oh got made redundant. He signed on and an insurance we had kicked in for a year, so payments were still made on time. After the insurance ran out, our tax credits increased and the dwp paid our mortgage for another year, the payments were made on time. Then, when the help stopped, oh had to stop signing on, because we no longer had help with our mortgage oh needed to sign up to agencies to get work (a day here, a day there, a week here a week there) to enable us to keep up mortgage payments, dwp don't allow for this when signing on so he had to come off that. That when our payments with the car ended up going into arrears, although I did make payments when we had money. They ended up taking us to court. Despite everything, the judge ruled against us, and said we had to continue to make contractual payments. Which we did for a few months, but then it got hard again. So we called them and said, can we please reduce payments. tHey said no, go back to court. So we did. In the preperation for this, we noticed a few discrepancies in the agreement. Firstly, it lists the part exchange as £2500, we were told it would be £3000. Secondly, the car on the agreement is a Kia shortage diesel estate, what we actually have is a Kia sport age petrol hatchback. Thirdly the deposit is listed as £250, we paid £500 and have a bank statement to prove it. And finally, the car is registered to me, but the finance is in oh's name. When we went to court and tried to point all this out to the judge they told us that they weren't there to consider that, and that we still had to continue making contracted payments. Which again we did for a few months. Again we found it hard and this time they ended up taking us to court and asking for a possession warrant. Which they were granted and we were told keep up payments or else. Again we did for a short amount of time, then finally, I wrote ag finance a letter explaining to them, why we couldn't afford the payments, that it was not in their interest to repossess the car it is no longer worth anything near the outstanding debt. That we were willing to continue making payments but couldn't afford that much. I included an income and expenditure and many reasons why we needed to have the vehicle. Their answer was once again, go to court. However before we got that far they sent a bailiff around to repossess the car, they were just about to take it when my husband pointed out that the car they were taking was not what was listed on the warrant. The court bailiff called her manager who, said they weren't allowed to take it. So they didn't but advised us to go back to court as they would probably be told to come back. The court date was last week. Once again, the judge wasn't interested in anything we had to say, and said make the payments or give the car back. We have sought advice from the solicitors, national debt line, cccs, trading standards and even no win no fee solicitors, none of whom have given us any definitive advise. We are not solicitors and so have no legal training or knowledge, but dh read in the small print that you have the right to rescind if anything in the agreement is wrong, getting back all monies paid into the account. He has sent off a letter asking to exercise his right to recsind, we don't actually know what this means, or if it will even help. But we didn't know what else to do. As you can see we have tried everything to get the payments at a rate we can afford nd they just don't want it. We can't get another car, we don't have that sort of money, but we need one. I'm stressing cause I think any day now they will come and take it and we'll be stuffed! So I suppose whatnim asking is, does anyone here know anything? Does anyone have any helpful info? Or does anyone know if he's done the right thing with the 'right to rescind'letter? Please help we are desperate!!

thanks guys! right next stop is the courts then! thanks!!

??

I couldn't be bothered go and find my other thread so i've started a new one! LOL Anyway quick summary of story so far. Sent letters off for bank statements in early march Got them back added them up sent letter askign for money about three weeks later. Got a letter back about a week later saying we are looking into it we'll get back to you in 4 weeks. So i sent them a letter saying that wasn't good enough they have 14 days to send me a satisfactory response. They have now. (three days after the 14 were up) Sent me a letter saying we are still looking into it but we have a backlog and we'll get back to you in another 4 weeks! (or something to that effect)! So anyone else had this? and what should i do now? Take them to court anyway?

Right I'll have to add those on then! They only have till next tuesday and i'll be filing my claim! Wish me luck!

I think abbey are up to something myself. I have been suspecting this for a while. (before starting my claim) I started all this before they started to send out these spread sheets. But when i recieved statements for last year. Januarys ones only added up to about 80 pounds. When my husband and i were in a branch for hours trying to sort out why we had called Abbey nearly everyday over the christmans period to see how much money we had in our account and everyday we were told we had some.Then we went massivley overdrawn. And between our joint account and his the charges were about £500 for that month alone!!! They told us they could only refund one charge every 6 months as a good will gesture! When the statements came through they weren't nearly that!!! But how do i prove it? and my husband has had LOADS of charges refunded on his account that he doesn't remember asking for!! Sorry to hijack your thread but i thought it was relevant to what you were all saying. What is going on at Abbey? I'd love to know!

Oh thanks that's good news about being able to change the figures. So does that mean that i can add this months £175 to the total then? Obviously once it has been taken!

I'm new to all this, and after reading through loads of posts this morning i think i may have claimed wrong. When calculating my claim, i put in interest charged while overdrawn. My argument being that the charges made me more overdrawn than i already was and so the interest was higher than it would have been. Obviously i didn't know how to calcualte it so just put ont he whole amount! Have i messed up? Will the bank accept this or is it going to hold up my claim? I hope not! What can i do if it is going to? HELP LOL

Thanks dragon. Yeah i read loads of threads this morning actually. The one that sticks out was by someone called lordlee. (it's also the one that confused me! LOL) It made me feel better cause i keep thinking i'm going to be the one they say "right enoughs enough" to and make an example out of me! and lordlee said the same thing and got all of his/her money back! So i'm hopeful. Lordlee also said that they made the mistake of making plans for the money which makes you more impatient! I have done the same! Is it me or does it seem that Abbey are the worst bank to be claiming from. As well as Abbey my mum is claiming 2100 and something from Barclays and she recieved a 75% offer after the second letter! Well i've still got a week and a bit before i have to start court proceedings so we'll see what happens! Anyone else got any advice for me?

Thanks for the welcome and the glossary!lol

Hi guys. This is my first post on here. I've been reading different threads on here and i'm now very confused what's going to happen. I'm aware that the end result is normally the same i.e the banks pay up the day before the court hearing. But it's all the in between stuff i'm confused about (and the abbreviations you have been using! LOL) I have been using martin lewis' website to help my claim back a total of £5927:00 from Abbey from a total of three different bank accounts. So far i have got my statements back added up all the charges sent letters back asking them for my money back, and the most recent one i sent on tuesday was saying that i won't be waiting 4 weeks for them to look into it i will be taking court action in 14 days! So what is likely to happen next? And can someone tell me what some of the abbreviations stand for please LOL! Thanks!