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I think i put my thread in the wrong place so i will try again sorry Hi am looking for some help and advice with welcome. I took a loan out in 2006 for £2000 which i was paying £210 back every month. I lost my job and was told my ppi didnt cover me so i cancelled it i was unable to make the £210 repayments. I spoke with them and agreed over the telephone that the amount would be reduced to £70 which i paid over the telephone for that month. I never received anything through the post to reset up the dd but the following month they had taken £70 from my debit card which as i was unaware they were doing this made me go overdrawn resulting in charges... Since then i have written to them at least 6 times telling them i could not afford to pay £70 every month as am now on benefits and received no reply. I offered £25 until i get back into work i even sent income/expenditure forms. I went to the office to find it wasnt there anymore and when i called them could never get through to the office. I appreciate i should be keeping up payments and have got myself into debt with them through not paying which i hold my hands up to. I moved last year out of the area and havent told anybody as yet as the reason i left was to escape abusive bf but thats another story and dont want to be found. I have had my mail redirected and today received an attachment of earnings order for over £7000. Apparently a company called progressive and youngs and sons have taken me to court which i havent received and i have now a ccj on my file. I am not working at the moment and have no idea how i am going to repay £7000. I am a bit wary of going to CAB as i cannot have debt collectors coming to my door. Any advice would be helpful thank you

Hi am looking for some help and advice with welcome. I took a loan out in 2006 for £2000 which i was paying £210 back every month. I lost my job and was told my ppi didnt cover me so i cancelled it i was unable to make the £210 repayments. I spoke with them and agreed over the telephone that the amount would be reduced to £70 which i paid over the telephone for that month. I never received anything through the post to reset up the dd but the following month they had taken £70 from my debit card which as i was unaware they were doing this made me go overdrawn resulting in charges... Since then i have written to them at least 6 times telling them i could not afford to pay £70 every month as am now on benefits and received no reply. I offered £25 until i get back into work i even sent income/expenditure forms. I went to the office to find it wasnt there anymore and when i called them could never get through to the office. I appreciate i should be keeping up payments and have got myself into debt with them through not paying which i hold my hands up to. I moved last year out of the area and havent told anybody as yet as the reason i left was to escape abusive bf but thats another story and dont want to be found. I have had my mail redirected and today received an attachment of earnings order for over £7000. Apparently a company called progressive and youngs and sons have taken me to court which i havent received and i have now a ccj on my file. I am not working at the moment and have no idea how i am going to repay £7000. I am a bit wary of going to CAB as i cannot have debt collectors coming to my door. Any advice would be helpful thank you

Thanks for that im going to print it and take it with me to the council. If anyone in the area of Rotherham have had similar dealings with these bailiffs i would be pleased to know if we were all to stand together and complain maybe the council would listen???

Thank you for all your advise i have re-wrote the letters for the second time hopefully this time they will say they have received them. How long do i need to wait for a reply? I am going to see the council on friday at the drop in at 2pm then if they wont help me my councillor has a drop in at 4pm so hopefully i can get this sorted. The baliffs reckon to be calling back to discuss this at my house on the 5th of September 11-12pm so i shall certainly not answer the door. My greatest fear being that they actually break in and remove stuff i know people say they cant legally do this but how about illegally. I have no intention of dealing with them anymore and am prepared to fight them all the way to the top if necessary. My 9yr old daughter is too scared to answer the door why should we have to be frightened in our own home? I have never refused to pay this debt i just cant pay it all off in full i just dont earn that kind of money. Im seriously thinking about packing work in as to me it seems the only way anyone can get any help is if you are on income support or claiming benefits.

I have posted on here before regarding this matter and had some sound advice i owe 877 in council tax which i am not and never disputed, i have had 2 previous letters from the bailiffs who have attended with notices of removal proceedings. The first letter i ignored not very wise but i did. The second letter i posted on here for advice which i got and sent a letter by recorded delivery to both rossendales and local LA. Received no reply from either and both are saying they never received the letters. I offered to pay 80.00 a month towards the arrears. I rang the council who state they will not get involved and then i rang the head office of rossendales who said i had to speak to the actual bailiff which i did. To say nasty would be and understatement he basically said he didnt have time for me and that he would make sure i went to prison!! I asked what pleasure he got of being so nasty when all i was doing was offering a payment but he hung up on me. Rossendale wont accept any payment from me at all and neither will the council so i come back here for advice. I tried to ring the council as i have another letter today which again i attempted to speak to the bailiff who was rude and said id never pay it. So what now?? I want to pay this off asap but nobody will take a reasonable payment off me. And to top it all the bill has now gone up to 1209.10. The bailiff states he want me to pay 602.00 for the 5th september otherwise he will remove my goods. I have told him i will seek legal advice and he said to tell anybody i spoke to that he was a certified bailiff acting on behalf of a magistrates order does that mean they can break in without my being there. I really am at my wits end again with this any help would be great guysxx

Thank you i feel so much better now because he was really nasty to me. luckily this site was recommended by a friend so was able to check out my rights. The actual bill was for 800 but with the bailiffs costs they have put on they have put it up to 1400 in less than 3 visits. I was actually considering taking the day off and waiting in for them to call in case they broke in and took my stuff. I have never refused to pay it and i have tried loads of times to get through to rossendales by telephone but was unable to do so which is why i actually rang the bailiff who was nasty and rude. Do you know what he meant when he said he was sending it for committall? does that mean prison. I have checked the sticky and am in process of doing the letter offering payment is there anything else you could recommend to do? thank you again so much for taking time out to reply it was really helpful

please can someone give me advice, i owe the council 800 in council tax arrears i have tried to contact the coucil to make arrangements to pay this off in installments but they refuse to deal with me. I have had 2 visits from rossendales who now state they are coming to remove goods in my abscence. i have tried speaking to them but the man said he couldnt be bothered to talk to me and he is going to send it for committal whatever that is. Can the bailiff actually do this enter my home without me being there. i have not refused to pay i just said i could not pay it all off in full and all i got was verbally abused on the telephone. I have never met this bailiff and nobody has ever been in my home to levy goods. Please could someone tell me what to to next as it would be very distressing to come home and find my goods gone.

having read everything on this site i am now going to try and claim my money back from capital one, i was just wondering about the oft ruling regarding the 12 administrative costs, how can capital one even charge an administrative cost when no bog standard letter has even been sent to me stating that i was over my limit? Over the last year ive paid over 500 in charges due to their incompetence as well as admittedly my financing but last month i paid 400 in charges alone. I have rang capital one but to no avail so am going to request my statements and begin action. I would like to say thanks to you all for this site and the info and wish you all luck its about time we did something about all this.............