Hi all, I took out a loan end of novemeber and now wish to cancel my ppi i took out with AA loans, i have missed the 30 day grace, and wondered what i should do cancel it. the 1st payment is due 1 feb 08. many thanks in advance

so do you think i should ask for a statement showing all my charges or just ask for the reason why they have charged me twice. sorry bet u hate newbies like me x

Hi there, back in beginning of october i had two DD that were returned to the bank, i was advised by letter i would be charged £35 per direct debit at the begining of Novemeber. my fault so i accepted it. i have just got another statement and it seems they have charged me the £70 again this month, i have not missed any direct debit since. does anyone know how i would go about re-claiming this amount from my bank ? thanks this site is amazing !

will do that then and send it out today, many thanks. does anyone know how i can find out how the bill got to that much ? as i am sure for a small tow bedroom cottage i am being charged far to much anyway ?

Hi all, I have an outstanding Bill of £600 with BG, firstly i honestly dont be believe the bill is right. and 2nd there is no way i can pay it off in one lump sum. therefore i wrote and offered to pay £40 per month advising any more would cause me real hardship. there have written back to advise they are not willing to accept it to be paid in monthly payments and require it to be paaid in full in 7 days or they will get a warrant out to me. i rent a property so can not have a pre paid meter. does anyone know what my next step could be ? thanks ps this website is the best site i have ever found !!!!!

from what i understand, you have not said you won't pay them you are just asking for time to pay, so dont worry about being sent to prison it is a threat to try and get the money out of you now. someone on here will be able to help you i am sure, take a deep breath and try not to worry. i am going through the same thing and after the wonderful help i have recieved from this site, i feel alot stronger and less worried.

Thank you for that BORO, i did want to pay them directly, i have paid the 1st two visit fees. and my payment offer as not been accepted from rosendales as of yet, but i wanted to make my 1st payment now to sure a good will. is this what i should do, or should i wait for the aggreement to be accepted ?

i have sent of a letter to rossendales on tuesdays night, using a template from this fantastic site. however as i only have a basic account i could not send a cheque with it. i want to pay the 1st installment now to show a good will gesture. i have no debit/card and no cheque book. I do have internet banking. and have been on the councils website to get there sort code and account number. should i pay the 1st installment direct to the council or to the balliff in your honest opinion ? many thanks

the ballif came over yesterday, and left paperwork for me to look at. when i open it, is said once agian we have returned with the intention to remove goods (they can't remove without a WPA) then a had written note from the balliff on the back. say he has spoken to the council and hey are on the understanding the account will stay with rosendales. if a payment is not aggreed with rosendales, they will proceed with an attachment of earnings. i wanted to try and get my account back with the council, but is it even worht me speaking to them now as the balliff has got to them before me ? is this just another tactic these bullies are trying to use to keep the account with them ? they have given me 5 days or appartantly will return with a van to remove goods (which they have not even levied on?) If theydo return can i be charged again ?

ok i will keep my fingers crossed, many thanks for you help.

Thank you, do you think the council will accept an offer from me direct as i dont wont to deal with the balliffs ? and from what the balliff has said to me rossendale more then likley will refuse my payment option ? as it does not meet with there guidelines from the council ?

I am sorry to have ask you, but you seem to have help lots of people in my situation and I was hoping you would be kind enough to help me? My wife had a bailiff from Rosendale’s knock on the door yesterday. He said I owed council tax for 2006 at my previous property amount £1204. The letter stated that I must pay this immediately or if I payed £117 now I could discuss a payment plan with them. When I got home I called the bailiff and said I could find the £117 and pay £55 per month until the debt had been cleared. He said there was no way he would accept that at all! And said it must be cleared within 6 months maximum time he is allowed to give. When I asked him what the £117 fig is he said it was for fees incurred. I questioned this and said you have only been out once, to which he replied yes but we have to put the maximum amount it could go up to. I said that the fee for one visit is not within the guidelines, and he then said will if you let me come over tomorrow and sign a walk in possession the fee will change to £24 for today’s visit and £18 for tomorrows. I advised him he will not gain access in my property and I do know my rights. He has now said what he will do Is come over collect the fees of £43 and leave me with a form to request monthly payments. When I said I will try and speak to my council and pay them direct he told me he has never seen the council take back an account ? and I would be getting in more trouble if I try and do this. Do you have any advise or letters you could help me with. I am so stressed with bills and with Christmas coming up I don’t want people knocking at my door whilst my wife and two infants are in. Kind Regards Robin

Hi i have been trying to speak to someone who can look at my account !! for THREE DAYS !!!! seriously getting upset have a ill person at home that needs the phone. nobody wants to help me just transfers me and i either get cut off or told i have been put to the wrong department. they have stoped me from calling out - all that happens is i get transfered to bt when i try and dial out, they say i have an outstanding balance which i dont it was paid over three days ago via debit card. my online account says outstanding balance £0.00 ! but still three days later no phone to use !!!!!! does anyone know a number or someone i can call to get some help! PLEASE !

tell me about it been trying to speak to someone who can look at my account !! for THREE DAYS !!!! seriously getting upset have a ill person at home that needs the phone. nobody wants to help me just transfers me and i either get cut off or told i have been put to the wrong department. they have stoped me from calling out - all that happens is i get transfered to bt when i try and dial out, they say i have an outstanding balance which i dont was paid over three days ago via debit card. my online accoutn says outstanding balance £0.00 ! but still three days later no phone to use !!!!!! does anyone know a number or someone i can call to get some help! PLEASE !

as i was on a quartlery bill and my internet is still with them. so for the months before i switched i was billed for.

Hi everyone. I changed my phone service from bt to tiscalli 3 months ago, bt was still paying the lin rental to bt and currently still had my broadband with them. i recieved a large quaterly bill, and due to other outgoings at the time had no way of paying it. they have now cut my phone line and broadband. to be honest i wish i never used them and want to move to tiscalli for my line rental aswell (only just realised they do this for 99p cheaper per month) also would like to change over my broadband povider. I offered to pay monthly but they said untill the bill has been paid in full they ill not turn my services back on. is there anyway i can change with tiscalli now and they would turn the line back on ?

Hi there, i had a large bill i couldnt afford to pay. they have accepted a monthly payment for these arrears and future bills. to an amount i can afford. just explain what you can afford and they should be fine.

hi guys, i emailed my council and sent a letter using a template on this forum. they wrote back to me today saying it was accepted! cant thank this board enough. thanks again.

many thanks for all your advice, i have already reduced my payments with my personal loans, in your opinion would they aggree to my payment proposal or just go for the attachment of earnings or ballifs ? its all getting on top of me know - dont want my two sons to see ballifs etc.

Hi all, I have recieved a letter from my council today stating they have obtained a liabillty order against me anare asking for my personal details i.e job details income and outgoings. i Owe for this years tax £1200 in one lump and have no means of paying this in full, i truely believe my ob would be in jepody if an attachment of ernings was put in place. i can only afford about £60-65 per month which is a true realistic offer. is there a letter i could send that someone could help me with. any help or advice would be really appricated. many thanks

hi, ok it is a court fine that was not paid and has been passed to drakes to settle. many thanks

Oh yeah sorry, it is in connection with not attending a court hearing due to council tax bill that has now been paid in full.

Hi all, I recieved a letter from drakes last week, responding to a email i sent them asking if it would be possible to pay the fine of £200 pounds in monthly installments. i recieved a response back a few days ago postmarked over just over two weeks old! it reads "Thank you for you recently letter, unfortunatly we are unable to accept you payment offer to settle this debt. however we will allow you 14 days to pay within full. Please be awear no further coraspondence will be entered into" Is this legal i have not said i wont pay but cant pay in full? is there a letter or some advice someone could help me with. many thanks

thanks everyone for there help, i will let you all know the outcome. have a felling it will be a long fight but i am not going to let him get away with it.

you have been so helpfull! thank you so so much. i will send that letter today and let you know the outcome, should i state in the letter that as he should be awear no inventory and condition report has ever been made or signed by myself. Thanks once again eiso.