I just phoned Equita, to ask for some information. It now turns out the two separate payments I made one for the first debt and the second payment for the second debt, wore both used to pay the first debt, so the second debt has now been passed to an enforcement agent. Who can now enforce both debts. Man I'm getting annoyed with this, you try to be nice.

For the first debt of £1270.51. The notice of enforcement was issued on 11/06/2015. I was given the date of 19/06/2015 to pay or agree to a payment plan. For the second debt of £849.30. The notice of enforcement was issued on 30/07/2015. I was given the date of 07/08/2015 to pay or agree to a payment plan. I did not know I had the second notice of enforcement, it was mixed up with all the crap sent by Equta. When I get home from work and see 20 envelopes on the door step, I open one if its from Equita and all the envelopes look the same I throw them in the pile. But I have opened them all now. All 79 of them.

Hi, The first liability order for the first debt of £1270.50, was issued by Coventry Magistrates Court on the 16/04/2015. and it relates to two years of council tax, the years in question are; 29/04/2013 to 31/03/2014 01/04/2014 to 31/03/2015 Looking at the amount I may have been given the single persons rebate for both or at least one of the years. Ill have to check this. The second liability order for the first debt of £849.30, was issued by Coventry Magistrates Court on the 08/07/2015. and it relates to two years of council tax, the years in question are; 01/04/2015 to 31/03/2016 I may have got some facts wrong, ill have to confirm the single persons allowance and what it is. Will get back to you. Cant find anything on the net about it, yet.

Just to clear up two issue; 1...The first judgement issued against me for £1270.51 council tax, For the year 20013 to 20014. I did attend the court and spoke to one of the council officers prior to the hearing. During that discussion, I pointed out I was single and he recalculated the payment due. In fact we joked about it, “wow, we already saved some money”, or some passing comment. there is no worry about it being backdated. The payment was reduced to a single persons council tax. He also made it clear the judge will issue a judgement, so their would be no point in staying, so I did not stay for the hearing. I'm fairly certain the reason the order was put through is a simple mistake, ill get on to that and have it corrected. 2...As I have just started working for this company, I thought it strange I would be paying £500.00 a month in tax. Well it turns out, the p45 I gave to the company had a tax code of “0T”. Why no one at the company looked at the code and thought, £18k a year and no taxable allowance, lets give him a call and check, just in case. Is totally beyond me. Probably the same person who failed to supply a pay slip, until I kicked up about it. got a letter form Equita Saturday (dated 1/9/2015), notice of intention. Relating to the second judgement; £849.30 council tax, £75.00 compliance stage fee, £924.30 Total. For the year 2014 to 20015 The letter goes on to say “blar, blar, blar, we therefore require the sum of £811.80”. on the 1/9/2015 I contacted Equita and arranged to pay £70.03, the first payment I made on 1/9/15, last week. I made the payment over the phone. I checked all the ref numbers I have the correct debt. So £924.30 - £70.03 = £854.27, but they want £811.80. ill do as you have suggested, complaint and recalculation sounds good. If they take my car, I wont be able to get to work 20 miles away at 04.00am. Be really cool to contact the council guy I met at the court hearing, informing him of my unemployment and ill only be able to pay £1.00 a week from my government handout , Oh and your going to have pay my rent and council tax from now on. That would be funny, lets hope it does not go that way. i can never get my head round all this, but i do write every thing down. I have the name of the person i spoke to at court and his tel number with ext, i put it on the summons. Another thing i have around 50 letters about debt from Equita, I get about 10 a week, ill send them in with the complaint.

No, I have not spoken to the council about either of the two issues. The first council tax calculation is for a couple. I did go to court about this, and spoke to an officer prior to the judgement. He did confirm I should be getting a single person rebate and should only have to pay a reduced amount. But the order went through for the full amount.

Hi, could do with some advice here on council tax, and Equita. On the 19/05/2015, I received a letter from Equita. A liability order was issued by the court for non payment of council tax due to the council. Contacted Equita and arranged to pay £47.72 per week, to clear the debt. Which I was informed would need to be cleared within 6 months. The debt is made up from the following; £1270.51 council tax, £75.00 compliance stage fee, £1345.51 Total. For the year 20013 to 20014. On the 14/08/2015, I received a letter from Equita. A liability order was issued by the court for non payment of council tax due to the council. Contacted Equita and arranged to pay £70.03 per week, to clear the debt. Which I was informed would need to be cleared within 6 months. The debt is made up from the following; £849.30 council tax, £75.00 compliance stage fee, £924.30 Total. For the year 2014 to 20015 I owe council tax for both the years in question, and do agree to pay them. I was informed by the council, court of both debts, and did have time to contact the council, so this is my fault. During the two periods I was working and could have paid the council tax. The issues I have are; 1... As a single person, I should only have to pay, “single persons council tax”. Which means the first court order of £1270.51 is wrong and should be £849.30. 2... I have started a new job and my take home pay is £800.00, per month. After rent, I have only £400.00 to pay living costs and the two above debts. I phoned up Equita today to pay £119.88, for the first debt. And £70.03 for the second. Which is all I can afford each month. The person on the other end said as I could not pay £190.88 ( £47.72 x 4) per month for towards the first debt of £1270.51, he would have pass the file on to an enforcement agent which would add further charges, and may result in losing goods. The second debt of £849.30, will be cleared within 6 months at a rate of £70.03, and is acceptable. I need advice on what to do next, or what I should do. Thank you.

So wifey has a Keys account which has been in default since Jan 2012 (you know the rest). I'm going to reclaim the Late payment fees Just need some information on this (we have all the statements from Kays); 1...Which spreadsheet do i use to work out the total reclaimable. 2...How much intreist should I charge on the total reclaimable. Thanks, will post my dealings.

Just read this thread, and congrats on outcome. I'm only adding the following, just in case anyone else needs to know (got a friend with same problem) and I could be wrong but I think the difference is; Section 111(1a) : covers instances where the fraud is committed by intention (making a false declaration). Section 112 : covers instances where the fraud is assumed to be unintentional but preventable (failing to inform them of changes to your circumstances).

Ok Ill try that. hopfully thay will cut it off compeatly.

The sky was cut off as I failed to pay the bill. I know it sounds a bit sloppy, but I just ignored it and used the record function. Its only now that I realise, I have lead myself into a trap. I cant afford to pay the full amount.

Hi, just need some info on sky billing. I got my sky broadband, phone, tv, cut off about two years ago (don't miss it). Every month I get a bill from sky for; £10.00 sky additional services (sky + subscription) £ 4.00 invoice admin charge I still have the ability to record programmes, and do so. I could use my Sony recorder. The bill is now £629.00, has anyone got any way I can get out of this, or should I just pay it. Any help would be great thanks.

Im with npower, do they have a standing charge. Im concerned as I have not used the meter for 8 months, I do owe them money which im paying back a £3.00 per week. but when i top up my card with £20.00 all i get is the £6.00 emergency credit. I have topped it up 3 times this week, Im not using it again, cant afford to JSA.

Just a quick question on this point, I changed fron a qurterly meter to a prepayment meter. the meter is below ground level and to see the screen I have to lay on the ground. when its raining i get soaked. I contacted Npower who said their is nothing they could do. anyone got any idars on what to do.

Which court can I use to add a charge on the property, and will this satisfy my creditors. The problem with this is if the house is not sold, how are the creditors going to get their money. The reason this is so important is I would like to start a new business and will need credit to do so. I don't want my old creditors turning up with a court order at my new business wanting money. I need to ensure all monies owed are paid and all debts a cleared.

A little bit more information, the business was not making any money, so we closed it. We owe creditors 70K. When wife’s dad died, he left his house to his children ( 4 children ), so wife has a quarter shore in that property. She would like to sell the house, or let one of the her siblings buy her out. Unfortunately one of her siblings will not allow the house to be sold, nor will she allow the other siblings to buy her out. In the mean time the house is deteriorating and is loosing its price on the market, for 5 years this has been going on, and im sick of the petty arguments it causing. So I thought that we could go bankrupt to write of our debts, hand the quarter share in the house plus some of our savings to cover the whole debt we owe to our creditors. Effectively pay all our debts off, and get rid of a 5 year problem.

Hello all, A quick Brief; My wife and myself have business debts of around 70K which we cannot afford to pay off. My wife has a quarter share in a house, which was inherited from her father ( about 60K in total ). none ofher siblings wish to buy her share of the house, and insist she does not declare her ownership in the property. We both understand the prospect of going bankrupt is very daunting, and would rather not do so. Nor do we wish to force a sale of the quarter share of the house, as this would create more court costs and promote bad feeling through the family. My questions are: If we do not declare the quarter sharein the house, would we be breaking the law ( if we are in breach ofan statute would it be possible for only her to go to prison ( she doesn’t go out much anyway )). OR If we declare bankruptcy would the receiver force the sale off the quarter share of the house, and would he allow her family to purchase it, if they chose to do so. Thank you.

Hi, I'm looking for some advice on a issue with the electric supplied to the house I’ve been in for the last 8 years. Last month I decided to transfer my Gas and Electricity to British lets have your savings Gas, from N lets have your first born child Power. Anyway I got my welcome letter from British Gas, regarding The Gas account two weeks ago. So yesterday I phoned British Gas, and asked what’s happening about the electric account. The advisor at British Gas said the account could not be set up, until Npower issued some details about the electric meter. I asked what information, he replied the meter serial number and could I go to the meter and get it. Yes I can, and off I toddled to the meter and got the serial number. I was informed by the adviser that the meter was not registered to the serial number but instead to my wife Ms Xxxx Xxxx at the address Of XX Xxxxxx road Xxxxxxxxxx. Which was very unusual and not an accepted method of registration. Not only that. but the address he gave me was a different road and post code. He also went on to say that the database which was used to register the meter serial number to the property address, did not include our house. The database only went up to the house number next door. I’ve had concernsns about the bill's we have been paying to Scottishish Gas and Then Npower, Npower sent us estimated bills for the whole period we wore with them (ill check to see If Scottish Gas Did ). now we are not talking about the odd £10.00 a month, my neighbour pays £50.00 a month, I pay £150.00 a month. Any advice would be greatfulley accepted. Thanks Graham. PS. I know about Keeping a ledger, sending meter readings in registering online for meter usage,

I would like to add to this, Firstly the person they are chasing is my wife, Npower pulled a stunt on us its a long story, I posted it here somewhere. Anyway I could not go on paying £200.00 odd for elect and £125.00 for gas per month, so decided to change supplier. Ill pay Npower what I Owe them £50.00 month till its paid off. To continue, I get these phone calls all the time. A metallic voice on the line, “if this is Miss Xxxx Xxxxx press 1 now”. So I pressed 1 and got an adviser, who said you a guy and not miss Xxxx Xxxxxx, then hung up. The following day, same again. I pressed 1 and got an advisor and she went for it, I did not put on a girls voice I used my own. So I said I would not give out any information unless I was sure whom I was Talking to at which point Sxxxxxxxxx said I should have got a letter from them. I said, yes I did, I did not my wife did. So to prove she was from CSL and did know my details she gave me the door number. So I said she should not do that and she was in breached of the DPA, anyway eventully she gave up and hung up. Again, The following day, same again. I pressed 1 and got an advisor Hxxxx and he went for it, to prove he was from CSL and knew my detail he gave me the road name. So Far I Have; The full name, door number and road Tomorrow I’m going for the town name. Pinkbeef

Hi all, I just need some advice on a letter I got from the bank regarding my old HSBC credit card. I do have other charges which I will claim from the same bank. I wrote to them 10 days ago and got a letter saying, “no you cant claim for the charges”. The following day I got another letter agreeing to settle the claim in full. But has the following statement in it.......... "I/we accept a goodwill payment of £xxx.xx,the equivalent to a 100% refund of default charges plus contractual interest, in full and final settlement of my/our claim against the bank." Will my agreement to this clause, prevent me from any further claim against 'HSBC Credit Card'. Which is OK as I don't have any more to claim from HSBC Credit Card? OR Will my agreement to this clause, prevent me from any further claim against 'HSBC Bank', as I do have penalty charges to claim back from my 'HSBC Personal Bank Account'? I’m not sure what to do, any help would help, thank you.

I'm very interested in this, as I reversed into another vehicle 3 weeks ago. Today my manager said the crash has cost me £75.00, its in my employment contract. He said I need to sign this document, to allow the company to take the sum from my wages. I said, I'm not going to pay it, sue me (seemed like a good thing to say at the time). To which he replied, "then your get disciplined for this" and walked away grinning. Last August I made it clear, he cannot shout or swear at me and I'm an employee of the company not his personal property to use and abuse as he pleases, since then he has made it clear he wants me out. So this has made his day. Anyway my contract points to the employee's handbook, for t&c's. Which states; Blah, Blah, blah, is a result of your negligence, the following action will be taken: First accident or incident The lower of the cost of repair or £75.00 will be charged to you. Second accident or incident The lower of the cost of repair or £150.00 will be charged to you. Third accident or incident the full cost of repair will be charged to you. At each stage the company may take disciplinary action against you. What do you think, should I tell finance, he was pocketing the cash from the coffee machine or should I pay the £75.00 and spit in his tea. PS The company was paying £200.00 a month for the coffee machine. If I had known he was pocketing the cash, I would have brought a kettle and saved £3.00 a day.

Just a Quick Q on this. I broke my digital card 8 months ago, I did not replace it as I got promoted to non driving position. But ive just had a week off sick, and my manager has decided to demote me for this (he treats our branch like its his personal kingdom). Q1... Who Is responsible for paying the cost of a new Tacho card. Q2... Can His Royal Highness demote me to tea-boy or make yet another complaint to HR, when I refuse to drive with-out a valid Tacho Card. Q3... Why did we name this item after a Mexacn meal. Q4... How do you spell Mexecn.

Hi, I deal with people who fail to fully understand the internet and accept your concerns. Unfortunately the message does not indicate an intention to educate the needy, its more of a nag message, that will remain, until the user fulfils a forced condition. I'm not trying to undermine your intention, but a single post will not install confidence to communicate. The message is daft, that's my personal opinion.

I hope that daft message, "Our records indicate that you have never posted to our site before! You could make your first post today by saying hello to The Consumer Action Group community in the Welcome section which you will find at the top of the forum", has now gone.