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About Oldshep

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  1. Council have just rang me, I'm having to pay the bailiffs for this years, at £50 a month first payment due when my husband gets paid on 24th, and have made an arrangement to pay £50 a fortnight for this years. I have to ring the bailiffs tomorrow after 2.30 as the bailiff is returning my file to his office and the council have spoken with them and organised everything. (i did ask the lady from council if they would be OK with me on the phone and she said yes my circumstances have been explained and they know not to cause me distress) My first payment to them will be just under £40 then
  2. I've asked them in the email why my husband hasn't been allowed to deal with this and that he has offered to have his earnings attached (not that its any use as the liability order is in my name) I have also asked why for 8yrs I've been held solely liable and only this year suddenly his name has appeared on the bill. I've also requested that the council allow me to come to an arrangement with them. Explained to them if they take my old bus I will become a prisoner in my own home, again and lose my job. I've offered to pay them an amount when my husband is paid a week on friday, as until th
  3. I'm just in the queue to family tax credit to see if I can make a new claim. They are sending me a claim form...so thats started. I've fired off an email to the council - It's warrington borough council and the bailiffs are Bristow and Suter. I need to go into the council and speak to them but want them to have read the email first as I'm not very good face to face (I suffer panic attacks, which they know) I agree on the logic although we all know most places these days haven't a clue about logic! The council have insisted for 8 yrs that I'm a Ms and am soley liable for my coun
  4. Thank you I'll be speaking to the council tomorrow morning. there is only 1 liability order at present, another is due on the 22nd for this years council tax. When i went to one of the possession hearings beginning of the year, the gent from CAB that helped me, took all our details and looked into what benefits we may be entitled to and said we weren't eligable, my family tax credit was stopped 2 yrs ago as my husband earnt about £500 more than he should have and they wanted £500 back as an overpayment. I never bothered to renew knowing I'd get nothing. Thank you for the link to th
  5. I need a little bit of advice. I'm not sure what to do next. Long story short, we have been struggling finacially for some time now. We aren't entitled to any benefits as my husbands take home pay falls just above the limits. this year we have managed to stop three repossession attempts on our home, and I have managed to get a little part time job to try and keep us afloat. We are struggling but surviving, but some things just don't get paid as there is just not the money to pay them. the council tax from last year is ona liability order and I'm due to go to court on the 22nd
  6. Do I do that via a letter to the court? or can i use the defense papers the court issued? sorry.
  7. Quick question, received letter this morning from Eversheds they have asked the court for an adjournment with liberty to restore. However they have asked me to confirm to the court that this is OK? Now as there are no arrears and it's paid totally upto date, can i ask for this to be dismissed?
  8. Hi just catching up. Paid off the Arrears yesterday and court case stopped. (Waiting for letter of confirmation and because I honestly do not trust them, I will be contacting the court to make sure) I'm going to be sending them an SAR as I need to work out exactly what they have been playing at. Company is Mortgages1 or plc or whatever they are calling themselves at the minute. Until I get that and a full statement of account I don't know whats gone on. On a side note (just been speaking to Kensington (secured loan) asked for a full statement of account (they are next on my h
  9. I have to reply to this. because this is a scenario I envisaged and pointed out to my hubby a couple of months ago when they put my interest rate up. i made sure I asked when i made my monthly payment if it had been adjusted for the added interest, and I was told 'Yes, it has been that's done automatically' I just had a funny feeling they'd try and pull that on me, so I called them out on it.... If i hadn't I'd be in the same position for 30p You really need to put in an official complaint to kensington
  10. Thanks - They have already started proceedings so that amount will be added I understand that - even though they haven't stated any amount as yet to be added. The mortgage has been on interest only since Jan 11 as it's not a huge mortgage, but there's PPI that we have never seen paperwork for and buildings insurance again never seen paperwork for. I've phoned and emailed the solicitors that dealt with this, over a week ago and they have so far not replied or returned my call. The mortgage company have no record of PPI (so say the call-centre) however the amount stated as the amount of
  11. They are claiming arrears of £1668.... there are no charges listed on the statement of account - How would I find out the amount of charges levelled against the account? Would I need to SAR them? I was paying the CMI We are in a position to pay off the arrears, and then look at how much they've levied in charges? would this be a way forward?
  12. Hi, can someone tell me please is it OK for a mortgage company to take an arrears fee out of the regular monthly agreed payment? My mortgage company are taking me to court for possession, yet I have been paying my mortgage payments religiously - only to be told by a snotty call centre person that I haven't as they have been deducting £50 per month out of my £100 Interest only monthly payment. How can this be right? is it right? What can I do about it if it's wrong? Thanks
  13. deleted post - old thread sorry.
  14. I have totally had it to my back teeth with AK - almost 4 yrs of constant phone calls and half a forest dropping through my letterbox weekly. The nitty gritty: Debts if they even exist older than 11 years some almost 20 yrs old - All no matter what Statute Barred. AK have ignored my letters, ignored my local trading standards (when I was last pro active about it 3yrs ago) Since then Ive just ignored them and filed the letters, and blocked their telephone numbers. Various other DCA's have been assigned to try and collect and all have been ignored, and have fallen by the wayside
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