Okey dokey. Will send them off on Friday. Does it not matter that I haven't got a reference number....? Do I just put my old address (the one they originally had)?

I have thought about doing that as I am sure there is PPI on the loan. That'll just be taken off the loan amount owed so I haven't bothered....yet. Like I said, I'm not too sure this is Welcome. Welcome were added 2007. Link were added (although in my ex's name) in 2004. Not sure who it is but I am digging around. It could well be GE Money and we had a loan from them as lots of work needed doing when we first moved in. Should I SAR GE Money or just wait for Link to write to me. Don't really want to play a guessing game.

No, he wouldn't have done that and yes, we were both on the loan (his name first). This has got to be Link from 2004 rather than Welcome from 2007.

Oh...just looked in "financial associates" and Link are showing up, in my ex's name, from 2004. Maybe it is this one rather than Welcome....will have to wait and see. It sounds more probable as we had the charging order before 2007. I have confused myself! My original post is more likely what Link are chasing. Nothing on my credit file about this, just under my ex's name.

Will do. That'll be why they asked me for my address

The CO was in place when the house was sold. However, my other half returned the keys to the mortgage company who then sold the property at auction. This was to save repossession I think. the mortgage company massively undersold the house (it was worth £125,000. They sold it for £65,000). I know they should not have done this but hey-ho. So they got their money but nobody else did.

I have just checked my credit file and under "Court Info" which shows CCJ's there isn't one showing for this... .nor do Link show up. Or a charging order. Welcome are showing up though. Got my dates wrong and it's from October 2007. So, it's no where near SB. Just confused as to why nothing else is showing up for this? The file is being updated every month though. Hmmmm....I can't remember getting a CCJ but they definitely had a charging order. I remember trying to re-mortgage and I couldn't get one because of it. they haven't had a payment since January 2008 and I haven't spoke to them in all this time. If, and when, they find out where I am living and send me a letter I will write to them and sort something out. Glad to know it's classed as un-secure again though.

Many years ago (about 2004) me and my now ex-husband got a loan for £7k to buy a new bathroom and kitchen for the house we then owned. The loan was through Welcome Finance. After a few payments we got in to difficulty, Link Financial took over and very, very quickly got a charging order on the house. I would, at a best estimate, say this was about April 2006. In 2009 I left my (ex) husband and the house was sold in 2010. The house didn't sell for enough so Link never received a penny. Just yesterday they called me and asked me for my address. They only told me they were called Link and that was about it. Of course, I refused on the basis that I haven't a clue who they are and I wasn't giving my address to a stranger on the phone. I don't understand charging orders that are no longer charging orders so I'm not sure of the statute barred rules on this. They last received a payment 2005 or early 2006 and nothing since. I have never spoken to Link and I can guarantee my ex hasn't either. he declared himself bankrupt about 2 1/2 years ago so they won't be bugging him (well, they may be....Link don't seem to mind, do they?) Does the fact they had an order sat on the house for 4 years mean the SB clock began after the house was sold or does it still start from the time of the last payment. This was originally an unsecured loan. Link cleverly turned in to a secured loan via a charging order. However now I have no property what exactly is this loan now? Confused. Any help would be appreciated.

I'm in a flat so they must have been to the area before. I just can't fathom why they say they attended 20 days before it was passed on to them. As far as I know there are no bailiff charges.....

Hmmm.....this is becoming a mystery. Hastings Council have ordered an attachment of earnings. Fair enough. It's now only for £350ish. They didn't let Rossendales know though (although they have now, after I called the council). Anyway, the mystery... Rossendales have emailed me stating they attended on the 1st June and left a card and a form for me to fill in. They didn't. This surprises me as the case wasn't passed to them until the 21st June and their first letter to me is dated the 26th June. There are no bailiff charges mentioned in the letter I received. Just the outstanding amount. They said they spoke to a neighbour who confirmed residence (no one in my block knows me by name....). They also state my door is blue. This is rather clever of them, as it is. As is every other door in my street, with 6 blocks of flats. I am thinking they have attended elsewhere in my street in the past so this is just common knowledge. After all, these are council flats and it wouldn't surprise me if someone else has had problems with council tax too. They are not very forthcoming with their information. They won't tell me who they spoke to (although I have spoke to everyone in my block and they can't remember anything). It's just a mystery to me. Ho-hum. No need to worry about it I guess as the council will have all their money soon enough. Just annoyed by the lies Rossendales tell (although not surprised).

I only became aware of this on the 28th June. The council have said as soon as they get it back they will let me know so I can start paying them. I have checked my bills very carefully and can't find any of the other numbers on them....anyway, I'm sure the council will come up with a way for me to pay them.

Rossendales really do think people are stupid. They have sent me an email stating that I have not returned the financial statement left by the bailiff when he called at my address.....I have asked them for details of this visit: Name, date, time and who gave them access to my building (you need a fob or be let in via intercom). As they only sent me their first letter on the 26th June I find it highly improbable that someone has been already. If they have then they haven't done their job correctly. No letter, no note....nothing. Anyway, by the by. They have stated in the email that they are returning it to the council for "my committal". Nice.

No visits as I only got the first letter today. The arrears were originally being paid through an attachment of benefits. When my other half started work we got a new council tax bill that stated the amount we owed for the year and said this includes £xxx which is subject to a liability order. I thought the payments I had made covered the arrears as well. So, they have now passed it on to the bailiffs. They said it's my own fault as I did not contact them when my partner started work. I explained the confusion with the bill but hey-ho. Anyway, no visits and Rossendales said they would be returning it to the council to see if they agree with my payment plan as they could not accept it. The council have made a note on their system to let me know when it is returned so I can start a plan with them. That's if they return it. I would rather they did as I don't want to have to pay trumped up bailiff attendance fees too. The only reference number I have for 2011/2012 council tax is identical to this years reference number. I will try and speak to the council again tomorrow as one of the guys I spoke to today was really nice and he might tell me how to do it.

I was going to make direct payments BUT as the council have not agreed this then will any extra I pay on top of my normal amount come off last years arrears OR be taken off this years bill....? Not sure how to go about it. Hopefully they will give up as despite their best efforts I could not be intimidated. I think she knew I knew what I was talking about. I'm not an easy target. When I first spoke to the council they told me they cannot get it back from the bailiffs. I know they can, despite them saying this. They must think I'm an idiot....

Received a letter from Rossendales this morning demanding payment of £400 ish for my council tax. Stupidly I thought I was paying the arrears on top of my normal monthly amount as it clearly says on the council tax bill "This includes arrears of £400(ish) which is subject to a liability order". I'm not. Anyhow, the letter I received says if I do not pay I will be committed to prison in big, scary red writing. I know I won't be, but it ticked me off that they do this. I called them (please don't shout, I had to phone them) to arrange a payment plan. They refused. Shocking, I know. If I make payments anyway they will proceed with enforcing this. Nice. As they refused to set one up they say they are going to send it back to the council to see if they will accept my offer....I do hope so. I called them as the council were adamant that Rossendales would enter in to a plan (which I knew they wouldn't). I have since called the council again who have said that if it is sent back to them then I can arrange to make payments direct to them. They also advised that I send an email to Rossendales stating everything that was said in the telephone call and to C.C the council in to the email. So I have. That way I will get a response. Apparently. The guy at the council was rather nice. So, what do I do? Should I make payments direct to the council and forget the bailiffs until I know what their next move is? I know not to let them in to my flat and although I have a car I can not park directly outside my house so they will have no idea which one is mine. Not that the car is here most days anyway.

Thank you

Huge task indeed. As we have no court reference number and have no idea which address the oh was even living at at the time. Still confused about it being Kent when he lived in Wales and still wondering about this locksmith business....I am presuming it's a scare tactic.

Yep. Wrote to them and sent emails. Nothing back at all. They just ignore me.

I've had a root around and found another letter from them from months ago. It's for the same amount but it says HMCS Kent. That one has no information either.

It says HMRC but i'm wondering if it's a typo and should be HMCS... The oh did get a letter about underpayment of tax but that was for 2008/09. We paid it months ago (it was only about £120). Definitely not that as this is for a higher amount from 2001.

I hope they have a license Anyway, mine has been adjourned till the 22nd June. Still can't get there but my local magistrates has submitted everything I have (bank statement showing payment, TV licences which show them being backdated and, of course, a written statement saying I do not need a licence, nor have I ever needed one etc. I really cannot attend as it is too far away and with a 10 month old in tow, on public transport, it would be a 2 hour + journey each way costing a small fortune. My local magistrates were very nice and said they get this all the time. Just have to wait and see what happens. The TV licence people are still adamant that they never received a payment which is why they are proceeding. Hopefully they will see my bank statement and give up....

Neither. He owes no tax as he has always been PAYE and I can't think why he'd owe VAT. It definitely says HMRC Kent on it. He did have another one with Marstons for the DVLA but that was returned to the court and sorted. This is for something else (different amount). He has never committed crime so it's not a fine, never been self-employed etc. He can only think of parking fines. In 2001 he was living on the site where he worked so it can't be related to council tax, water rates, electricity etc., etc. Like I say, they won't tell us and HMRC Kent does not exist. ..there are lots of courts in Kent, but not one called HMRC Kent. No court number, had nothing from any court...nothing. Anyway, he wasn't living near Kent at the time. e was in Wales. I am totally clueless, but I just wanted to know, for sure, that they won't be breaking in anytime soon.

My other received a letter from Marstons saying they are coming round to remove goods. Now, I know they can't without gaining peaceful entry....or can they? As far as the oh is aware this is for parking fines from 2001 but they state in the letter that they have the right to use a locksmith. I'm pretty sure they can't but I just need some clarification. Is it just one of their many scare tactics? They haven't been round to see us yet despite the letter (dated 18th May) that they would attend within 7 days. Trying to find out exactly what he owes the money for is nigh on impossible. The letter gives no clues other than HMRC Kent. They aren't particularly forthcoming through written communication and phoning them is a no go. I won't be letting them in, the oh does not own a car (it's in my name), they can't get in through open windows as we are in a flat (unless they are spiderman or bring ladders with them). However, they need to get through the main door to the block first before getting to my door and this seems to be a grey area. If they get through that main door can they then use any force to enter my flat as they have, I suppose, gained entry to the premises (even if I don't let them in, they can just buzz someone else). Not too worried as I have already seen them off for another matter by simply ignoring them. Also, my oh works 6 days a week so he wouldn't be here when they attend anyway, unless they are lucky. I will be alone, with a 10 month old baby and they will be very "frightening and intimidating" ().

S'ok. It's statement of earnings that they are sending which is essentially the same info as the P14's. That better shut the tax office up. They made the mistake.

Just spoke to his old employer (from Feb 2009 - Feb 2011) and they are going to send out a statement of earnings - i.e carbon copies of his P14's from tax years 2008/2009, 2009/2010 and 2010/2011. Just wondering if sending this will help as I can basically tell them "you had THIS information to work from and could have adjusted his tax code in any of the given tax years from 2009 - 2011."