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Posts posted by slgsue

  1. If you have split and the attachments are to his salary...why do you wish to appeal it ?


    Perhaps a little history of the CTAX debt would be helpful.





    As I said the relationship ended on bad terms and this included violence. The arrears arose after the break up.

    I want to appeal it as I fear for my safety it's really that simple.

    The amount owed is £499 from last year and £1400 from this year including charges.

    I informed the council of the separation when arrears started but he is still apparently named on the account.

  2. I am in desperate need of some advice please.


    Up until Christmas my debt was in control but over Christmas I split with my husband and things have become hard.


    Today I received 2 attachment of earnings orders from the council applied to my estranged husband.


    This is going to cause me a whole load of issues with him and none pleasant.


    Can I appeal this or even have this attached to my earnings.

    He gets paid in 3 weeks so I don't have long to sort this out.

    I am petrified as the relationship ended on bad terms.

  3. My husband had a debt which was taken to court a CCJ given and an attachment of earnings put in force.



    The first payment has been taken from his salary BUT he cleared this debt 3 weeks ago in a full and final settlement with the solicitor.


    How do we get this money back as it is not owed and stop further payments being taken?



    Solicitors have said courts have been informed but not sent anything to us confirming any of this as of yet

  4. I have been so busy trying to help my parents that I forgot my own mortgage.



    I am currently in arrears by £1095.

    I will be making a payment of £700 tomorrow bringing arrears to under 1 month.


    Today I have received a notice of change of legal representation from the courts with a case number.

    Am I being taken to court for repossession.

    This is all I have received and I am worried.


    On 1st October my arrears will be £795 and I can pay this off on 15th

    so I know I can sort this out in the next 4 weeks.



    I have not called them but am panicking that they have got a court date that I don't know about and I could lose my home as I will not know when to attend.


    Any advice greatly appreciated. My monthly payment is £401 and interest only.

  5. Thanks for your reply, they have advised her that their solicitors have now issued court proceedings and that the paperwork should be with them within the next few days, this is the first time she has been told this and has asked on many occasions.


    As far as I am aware there have never been any court proceedings issued at least I know she has never been to court for anything ever! I have told her that she should continue to make payments towards the arrears as well as maintain current payments, but not to kill herself doing so, she has gone from 37.5 hour weeks to 62 hour weeks and at 62 its making her ill.


    One thing she is really worried about is when the hearing will take place as she has to go away for a wedding which was paid for a year ago and is worried it will be when she is away. How long do courts usually give between issuing proceedings and actually having a court date (hope that makes sense).


    I am hoping its at least 3 weeks that gives us time for her to get back from this wedding she is dreading and to make her next payment that's due, plus more off the arrears. I don't like to be too hopeful but feel that she would be in safer hands going to court than leaving her fate to Acenden!

  6. I am writing for some advice on behalf of my mother. She has been struggling to reduce her mortgage arrears down to a level where Acenden would make an arrangement.


    Her arrears were initially at the beginning of August around £5,300 and now stand at £3500 approx. Her mortgage payment per month is £863. When she first started talking to them they advised her that she would have to pay £2200 plus her monthly payment in order for them to consider an arrangement.


    Now she has paid her monthly instalment plus around £1800 and she called them to see if they would come to an agreement and they have now decided to up the ante and tell her that she needs to pay a further £1500 plus the monthly instalment before they will consider and that they have issued court proceedings.


    My dad is retired and my mum has been working extra shifts and nearly killing herself to get the extra money. There mortgage only has another 7 years to run but should be paid off when my mum claims her NHS pension in 3-5 years.


    Acenden are being completely unhelpful and really starting to get to her and make her ill. Any advice would be very gratefully received as to what she should do please as she is now panicking about the court papers dropping through her door.

  7. Thank you all. I will certainly be checking when I receive my wage slip.

    If I am right and they have paid over the odds from the 2nd order which knowing my luck I will not see again, how does this order get stopped? Do the council notify my employer that only 1 order now needs paying or do I have to do anything? I suppose looking at it in a positive way at least by April the whole thing will be done 😕

  8. Blimey....you do have a problem. This is all down to the 2nd Attachment of Earnings Order for £72.50.


    A maximum of two AOE's can be set up but the calculations that I have been using shows the following:


    First Attachment: £306.00


    2nd Attachment £253.98


    Total £559.98.


    Where your problems seem to have arisen, is because of the 2nd Liability Order of £72.


    Personally, I would suggest that you PAY the debt of £72 to clear that Liability Order and speak to the council to get them to look at adjusting the AOE so that you only have ONE attachment for £1070.


    I have then calculated that your deduction for the one remaining Liability Order should be £306 per month.


    Thank you I had a feeling that it was the 2nd one causing the issue. I should have my wage slip tomorrow and am guessing that the 2nd aoe has been paid in full now plus some!

    If this is the case can I apply to get this overpayment back and the 2nd aoe stopped as it is now clear? Would I contact the LA for this?

    Thanks again your replies have given me some hope!

  9. Take a read of the following thread slgsue




    May assist you until further advice comes along.






    Thanks Andy I read the thread first but couldn't see the answer to my question. Fortunately or unfortunately depending on how you see it I know how much they are going to take as they have done so. I had based my budget on all the info I could gather and just about found a way to get by but with the extra they seem to have taken I literally feel sick which is why I want to know if I can appeal or do anything about the amount as it is far greater than 17% :-(

  10. I have just received 2 attachments of earnings for old council tax debt. One is for £1070 the other £72.50.

    My monthly take home pay is usually around £1800 and this month I have been paid £1300. I have been on an online calculator and found out that they should have had £317 for the first order so with this takeb off I would have been paid £1483, even if the entire amount of the second order was deducted I would have been paid £1411.50.

    I called them and they even said that I shouldn't have paid this much but in a word tough! Is there anything I can do.

    I was expecting maybe £300 and budgeted accordingly but this has left me very short and if they do the same again next month I don't know how we are going to manage. Surely if the law says 17% for each order thereference must be something I can do? Please help back to work tomorrow and am very worried

  11. Hi Nikki, are you still claiming? If so, I would suggest you ring them and tell them you need to cancel your single claim as you are aware that your circumstances would mean you need to do a joint claim. They will ask if you want to do a joint claim and then if you do will need OH's details and a new claim can be done.

    I agree you need to send what has been requested, as for him being on the mortgage I think they will understand that this is normal as many separated/divorced people still have joint mortgages. The worst case scenario from how I see it is you will need to pay back all the years claimed as single, but its better than living a lie, feeling rubbish, being unable to sleep and getting on with your life. I know how hard it is to get out of the cycle, the lie is just too easy to tell!

  12. I have been unfortunate enough to have a secured loan with these muppets and my account is with their collection people (inhouse) and my payments have been more or less on time for just over a year now. My credit file shows it as defaulted so I am not concerned with that, we have about 2 years left with them and then I will have a great big party to celebrate!!!


    My problem is I have found out today that the Inland Rev has messed up my tax which is another story but in the meantime have changed my tax code to pay a penalty until the mess is sorted so as you can imagine today has not gone to well so far. This meant my salary was about £100 less than normal.


    I have an arrangement to pay £70 extra on my loan so I cancelled the DD and called them to make a manual payment of just my monthly amount, no extras. I explained the situation to the fool that answered the phone and was told that before he took the payment I had to prove that I had problems with my tax code as it is a secured loan. I am not happy to show my full payslip to them and I told him so. He was so rude and condescending and after telling me what he is doing was "for my own good" I got annoyed and told him if he wouldnt take the payment then they wouldnt get f'ing paid and hung up.


    I know I should have kept my cool but today has been awful and I am even getting chest pains now as I am so stressed and as a cardiac patient this is not good news. I have sent them an email advising that my dd has been cancelled and for them to provide me with details of their bank account so I can pay them. I have also complained about the fool that I spoke to.


    My worry is what they can do to me in terms of taking me to court etc. I will not spend the money (have already given it to my mum for safe keeping)

  13. I have to say I disagree with the majority.

    It is now 10:30 in the evening and I made a call to the AA at 8:15 this evening in relation to a leaking all over the floor, toilet.


    AA had no engineers in the area and said we should get a call in the hour.


    We were called by Mitie after 45 mins who again said might be a no go for tonight, but I persisted as it is the only loo,we have 3 kids, and cannot be in tomorrow. Not only that the stuff leaking was waste!!


    About half an hour ago a plumber shows up, took a look at the problem and told me he is only meant to do a temporary fix but that was impossible and he replaced the waste pipe so fully fixed the problem.


    We are really pleased and couldnt ask for a better service, the amazing (if you like being robbed) bathroom fitter that installed it laughed when my other half rang him today and couldnt make it til friday, I will be keeping the cover as I have peace of mind.


    ps. The time on my post is wrong for some reason

  14. How do I get one removed??? Thanks to the excellant and priceless advice I received from the posters on this forum 2 years ago, particularly Ell, I am now arrears free and have been since August 2012, so I want to get that order off my property, but have no idea how to go about this.


    Could someone please advise as I know a lot of people might want to know and I shall be sharing with a few friends.


    thanks again :)

  15. Another email from them - this time just put into their "special file" and no response given!


    "We write in reference to your recent correspondence regarding an account you hold with our client, Student Loans Company.


    Please note that we have requested documentation from our client and are awaiting their response; however in the meantime we must continue with collection as this is a grant overpayment and is owed for reasons we have previously mentioned to you.


    We request that you provide us with details of communication with our client and any other crucial details pertaining to your account. Please note that you are welcome to contact our client to discuss your account but we request that you provide details of your communication.


    Please be advised that your account is on hold whilst we await a response from our client. Please be advised that after we have received a response our collections process will continue.


    If you should have any further queries please do not hesitate to contact us on 0844 55 65 440"


    They have never mentioned any reasons which is quite amusing, but I shall let it runs its course and should they initiate MCOL/County Court proceedings I shall be ready!


    I will keep you informed of developments as I dont think this will be the last I hear from them.

  16. "We write in reference to your recent correspondence regarding an account you hold with our client,

    Student Loans Company.


    We can confirm that a copy of the credit agreement can be obtained for a fee of £1.00 from our client.


    We note that you have been in contact with our client regarding this issue

    but have not yet passed on any details of this dispute to us in order to be able to assist you further.


    We politely request that you provide all details of your dispute including any copies of correspondence

    that may exist so that we may pass this onto our client for their assessment.


    Please note that your account is now on hold for 14 days to allow time for you to contact us.


    Please be advised that if you fail to contact us within 14 days then your account will be returned to the collections process.

    If you should have any further queries please do not hesitate to contact us on 0844 55 65 440."


    This is the latest email from them, the 14th since 19 Nov, also had 3 phone calls and several letters. I have replied to this like this


    "Please see my previous email and unless you prove the debt is owed I will not be entering into further discussion

    the onus is not on me to prove whether a debt exists,


    I have yet to see one piece of evidence backing this up yet I have asked on numerous occasions, all of which are documented.


    Any information regarding the disputed debt should be obtained from your client and the question is raised as to why if the account is in dispute you are dealing with it.


    These emails will continue like this until you and/or your client provide evidence of the debt."


    Please can someone help with this as I dont know where to go from here but this is really causing me stress and I can't sleep through worry!!!

  17. I have been pursued by Advantis since November for an over payment of a grant to the sum of £11,600.00!!!


    This is the full amount of the grant I was awarded nearly 5 years ago.


    I dropped out of my course 4 months before its end date due to various personal reasons

    so can appreciate I amy owe a percentage of my grant but not all of it!!!


    My student loan that I had is being paid back via my salary so that is not a problem

    (I say with baited breath) though I have not had a statement in sometime.


    I have been requesting via email since this began proof that the full amount is due,

    but they keep coming back to me to say I have to prove the dates I attended university.


    Surely this is information that they can get quite easily?


    I spoke to one of our legal team at work

    he tells me the onus is on them to prove I owe all of this money and not on me,

    so where do I go from here?


    I have quite clearly told them that once they can show me how much if any is owed and reasons why

    then I am prepared to make arrangement for paying this but not until I get this in black and white.


    Am I doing the right thing and can they send in the heavies???


    I am really worried about this as I do not want another CCJ or a charging order,


    my finances are just about getting sorted and this would be a disaster

    and I also dont have £11K lying around!!!


    I am having trouble with this lot too!!! When I received a call from them I sent them an email instructing them to remove my telephone number from their system and that I would be reporting them for harrassment if they call me again. I received an email saying they wouldnt call again and so far so good, I just get stupid emails which make no sense. Ask them via email for proof of your debt, I have been asking since November and they still havent provided it, they keep asking me for information!?!?!?!?

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