hi we live in a rented furnished house and have just moved in. i got home yesterday to find a notice of walk in possesion had been placed on my car parked on the drive the car is in my name. the debt i think is for the previous tennant for council tax but i have not confirmed this. couple of questions can a levey be plcaed? there is a bit on the form that says accepted by and signed, now obviously this is unsigned is that legal? for sure i shall have to call them and advise that they are not here but on my first call was told well the gas and electric show "****" is in residence, odd as both are on meters. any advice would be greatful, would rather tell the to f well you know the rest! thanks

hi thanks yes i have contacted them via the avenue you now have to go down ( i forget what they are called but you cannot call TS direct now) and logged a complaint. i was a sole trader. any other ideas as to how to prevent or stop them? thanks again

the equipment was for a start up business the terms of purchase were payment in full before delivery but i could only pay £5k by end of month to get sales in there quarter (to hit targets) they put it through anyway the factory shipped equipment anyway 2 days later (i had agreed to take delivery 2 weeks later and pay balance at this point) there was a communication error between sales dept (uk) and wharehouse (germany) no part payment agreement has ever been entered into, also no written signed purchase order has been made only an email confirming offer of "ex demo equipment quote number" has been passed between us the business failed before it started really as i had a good contract that i left my job over and bought this equipment to go self employed, i lost the contract as i could not do the job (due to faulty equipment) hence my losses i stated earlier. eventually i closed the company officially (we were vat reg) some 12 months ago and before 1 year of trading and reverted to my old work but suffered a car accident and broke my neck, its been reparied with a solice cage and removal of 2 vertabra and i am up and walking but signed off sick although offically un employed so now i do a few odd jobs for a friend perhaps 2 to 4 hrs 2 to 3 days a week (he makes kit cars in a unit we shared when i tried to start this business) when i can mainly computer work and the payroll this is all declared to the working tax credits as my partner does 16 hrs to try to make ends meet weve been advised to go bankrupt now as we have debts over 25k and a rented house but this still doesnt affect or stop these debt collectors. thanks for the quick reply so greatful

this is a long story! the details of which i will post later for now i need advice as to what to do about coventry debt solutions, basically they are doormen/wheelclampers with no court enforement powers or legal documentation and are using scare tactics. i have a debt for equipment that was delivered faulty, it has been all the way to high court and never enforced due to wrong name on court papers (they actually got my name wrong) but due to this i have been unable to enter a defence (papers returned "named defendant respose required" ie action not in your name cannot accept as evidence) i have no cca for the balance of the purchase price we paid a deposit the equipment delivered was a) not as described (ex demo upto 9 months old orded - actually was 2 years 10mnths) and b) was faulty on delivery (even in the court papers the other side said it was faulty. we withheld balance of payment obviously and communication broke down it then went to court several time but i have never been able to defend it as the name on the petition is incorrect. anyway having gone the legal route to no avail the other side FARO have now decided to use Coventry Debt Solutions. to date CDS called me to arrange collection of the desputed equipment i still have 1 of 2 parts to it (ive been arrested for theft over this and no charges brought the police returned 1 part to me 1 part to FARO saying that as i had paid £5000 deposit it was in there eyes mine) i eventually agreed to this as i want an end its over 2 years now and they informed me that they would a) get all court action stopped and removed and b) so long as equipment was not damaged return of my £5000 and that this was an offer from FARO (it is i have confirmed before this action but i asked for recompense the episode cost me over £25,000 in setting up a new business and giving up my job to go self employed and a letter to say they were wrong to take action for faulty on delivery equipment, i didnt think i would get any money but wanted the letter) back to CDS i arranged for them to collect it from my solicitor a week later as he was away, the following day they were at my home address and called me to say they were there. i stood my ground and said no next day a phone call and a text, the text "you need to call us to sort this out" the phone call "were not waiting for your solicitor you need to meet us now were not the types to wait we never have had to" anyway i ignored them and didnt go to work kept the doors locked at home (if you visit there website tey practically claim t use bully tactics) went to the solicitor as agreed they failed to turn up then 2 hrs after appiontment they turned up at my home and were intimidaing to my wife. after several calls they agreed to go to solicitor they arrived before me and a man gave only a busness card and said he ws lee ++++ the director in fact he is not. when pressed for papers they could not provide any, but as i had agreed to return item solicitor advised me to do so and so i did. they then ran out of the office with said equipment refusing to sign anything and called me within a minuite to say "we'll be back for more" my solicitor heard this call on speaker phone. since then 2 different men from CDS have turned up at home and throught the window shown pictures of me and my work colleuge and papers made to look official she was on the ball enought to tell them to p>>> o>> and that they were racatering at which they left since that they turned up at my work at 8 am and told the landlord they were here to buy a car they failed to disclose who they were but we had forwarned the landlord obviously they are not acting within the law, however do they care? are they regulated? they are just debt collectors not court approved acting on a personal action by a uk sales director they have no papers or legal standing but what do you do? help please any advice would be soo welcome. i'm sure they are trying to have a face to face confrontation to be bullies Ive seen threads on cca and the right to visit you needing and appiontment but ive lost the links from days ago if anyone can post i would be greatful