My ex is not classified as disabled, but he does have a huge amount of anxiety about dealing with any issues like these, and becomes very stressed - I will show him what unclebulgaria67 has suggested re him being vulnerable and hope that the council will take back the debt. Thanks for your response

Yes I can scan in the details of the levy and hopefully post them tomorrow evening - I dont have the facility here at home. I'll copy and paste your list of questions for the Council and email them to my ex tonight. Many thanks.

Thank you very much for the advice. It seems illogical to compound the debts of somebody that has less than nothing and I do worry that this will make his anxiety much worse, which in turn will cause a raise in BP! I will suggest he sees his GP tomorrow and also to see the local council (although to be honest they have not been too helpful in the past) to see what they say! Thanks again.

My ex-husband unwittingly allowed the Bailiff to enter his home - she said she was there 'on behalf of the local council and at no time said she was from Ross and Roberts. It was only after she made a list of goods and asked him to sign a paper saying he would pay back the council tax debt at £65 per month, that he realised she was not actually from the local council. I used to deal with all the financial problems when I was with him and I try to help him out now as much as I can because he not only doesnt really understand most of it, he suffers from anxiety and high blood pressure and gets very agitated when he tries to deal with these situations. He is a builder (63 years old) and has been in and out of work for the past couple of years, he has now transferred from JSA to Pension Credit so won't have alot of money to spare each month. My question is, can he file a valid complaint for the Bailiff not stating who she was, and also is it a possibility to have the debt transferred back to the Council. It would just be so much easier to have a debt that could be paid into an account via his bank account (which I can access and set up a monthly payment for him) as all Ross and Roberts offer is cash, PO, bankers draft and online - they said it would not be possible to create a direct debit or standing order, and also every single transaction has an admin charge - each month if he pays the £65 online, he will incur a £5 admin charge even with a debit charge - is that legal? I have asked him to go to his local council tomorrow and get a breakdown of the debt and find out exactly how much went across to R & R as I want to see how much they are charging on top of that. They have said in the agreement my ex signed that if he defaults by so much as a day on a monthly payment they can charge him £146 - is that possible? I hope this makes sense, and look forward to some positive advice if any is to be had. Many thanks.

Thank you emmaf01 - I'm learning - I will send letters to both, recorded delivery with no written signature. I will post again when I have news - am really hoping that this will be resolved its just so stressful!!!

Thank you very much for your quick response. Do I send the letter to both BCW and ScotCall? Both companies are pressuring me for payment but it is only ScotCall that have said in the latest letter that they will send a doorstep Rep - BCW threatened this back in May but did not follow through a far as I am aware (I work full time so would not have been at home).

Here I am back again with the next episode in the saga. I used the advice and sent a letter to BCW asking for details of the debt on 20th June and received a response on 24th June telling me that BCW do not hold copy Credit Agreements at their office as they are not the Creditro. They advised me that the account was placed on hold and that they had asked their Client (not sure if their client is Arcadia Budgettyres - Creditor, or Aktiv Kapital Investment Ltd - Pursuers) to forward the documents to me directly. My next letter was from a company called ScotCall Debt Collecting Services (Glasgow) warning me of a doorstep collection on behalf of the creditor Aktiv Kapital Asset Investment Ltd Arcadia and telling me that failure to pay the outstanding debt of £345.13 would result in the account being passed to a Field Rep who would arrange a Doorstep call - this letter was dated 31st July. I ignored this. Then another letter from BCW landed on the doormat - this was dated 14th August and enclosed a copy of an agreement dated 3rd March 2001 - it certainly has my signature on it and my details with my address when I lived with my ex husband. (The worrying part of this letter is that they used my maiden name - the name I have used for the past 7 years for all my transactions which I did not give them on my letter - I assume that they could have got this from the Electoral lists?) The agreement does not give any details of what the debt is for, merely that the instant credit value is for £350. The story now gets more complicated! My son (who lived with me at the time) had a vague recollection of paying for tyres for his car on 'account' but couldnt give me any other details. So I visited my ex husband to see if I could find any details of this amongst all the paperword stuffed in cupboards. I found one letter from GE Capital Bank addressed to me thanking me for joining their direct debit scheme payments starting 13th July 2001. I know that this sounds strange, but I honestly have no recall of any transaction. However I was in the throes of a not particularly amicable separation, and also I am not getting any younger !!! So I still do not know what the charge of £345.13 is about - and this morning I have received yet another letter dated 21st August from the latest Debt Collector Scot Call telling me it is in MY OWN BEST INTEREST to contact them immediately and make an offer to repay the debt. I am in a quandary as to what to do. If I did take out this credit agreement, how much did I spend out - I really cant see tyres costing £345.13!! I have only been driving since Sept 01 so it wasnt my car, and the only cars my son ever had have been of the 'old banger' variety. Also if a Direct Debit was set up, what happened to that - I still have the same bank account with the same account no and sort code. I have read several threads on the forum that talk about debts not being enforcable after 6 years? Please can somebody give me some solid advice - I have not had a single debt since I moved away from my husband. My mortgage, council tax, utility bills etc are all paid by DD, I do not live beyond my means ever. I am frightened now that they seem to have my maiden name that they can somehow blacken that name - is this possible? Should I contact my building society to check back to 2001? Should I write back to BCW to ask for details and breakdown of the bill? Or should I write to ScotCall and ask for it. I become more confused and worried the more I think about this. Help!!!

Another quick question if I may - should I respond on the letter with my maiden name, which is the name I use for everything with the exception of my workplace (and which is on the electoral role for the address the letter was sent to) and explain that I have not used my married name for years?

Thank you very much - I am very grateful for your advice. I will send a letter and wait to see their response. I will post again if/when I receive a reply or if I receive further correspondance from BCW. ww

Hello - I am hoping somebody will be able to suggest a course of action regarding two letters I have received in the past week from Buchananclark + wells - saying they have been instructed by Aktiv Kapital Asset Investment Ltd to recover a debt on behalf of Arcadia Budgettyres. The first letter is a formal demand and states that they would prefer an amicable settlement but will not hesitate to commence legal proceedings. The second is a final notice telling me that unless payment is made immediately they will seek to commence legal proceedings against me with payment of interest and Costs in addition to the principal sum. I have no idea at all what this debt is and apart from the two letters received in the past 6 days, have never heard of any of the companies involved. The strange thing is that the letter is address to my married surname at my present address. I separated from my husband in 2001 and moved house in the July, using my maiden name from that point on for all my transactions - in fact the only place I am still known in my married name is at work!! I live to a tight budget as I am on my own now, and this has really worried me and I dont know what to do. I have tried to glean information from all the really useful threads - but really would be grateful for some advice. Many thanks