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Simongal

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About Simongal

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  1. Hi Just to update,having called the council and explained i would not be doing business with the bailiffs and offering to pay regular amounts (which i was told i couldn't do as it was already in the bailiffs hands and they could only take full payment) .I ignored this and payed regular amounts and There have been no visits from the baillif at all ,so in short don't always believe what they tell you when you call as i'm sure someone other than the bailiff is profiting from their current policy and better still dont even give them the opportunity in the first place (easier said than done sometimes)
  2. Hi ,Have had two visits from the bailiff thus far with no contact just had the notification of bailiff visit letter ,one with £18 fee the other £24.50. Have phoned the council to say i am happy to pay the arrears at £100 a month plus £25 weekly ,they refused and told me deal with bailiffs as they are dealing with it now to which i added i have no intention of dealing with them and would only deal directly with the council after which i said i would be setting up standing orders anyway as the debt needs to payed. I'm hoping somebody can clarify for me wether a warrant can cover 2 periods of council tax as there was an element of 2012 unpaid and the rest is the whole of this year, so long as i don't let the bailiff in he can claim no further charges and if they return the debt to the council will i be told of any further court hearings. Have read as much information as i can on this and just want to check i'm correct in my thinking any advice will be gratefully recieved Thanks
  3. Attended court and it turns out the council have forged a tenancy agreement with just my partners name on it.the judge added me to the possesion order and charged £100 court fee all over 30 pounds arrears.Can anyone tell me if there is anything i can do to be pain in the neck for the council regarding the tennancy as i feel they have shown a complete lack of understanding and communication regarding this,Surely they have broken the law by offering the forged document in court proceedings.
  4. Appreciate the response,Thanks. Dont suppose you know anything about the tennancy agreement being in both our names but the court action just being in my partners
  5. Hi,really worried about this and hope somebody can advise. Short Version First. is any action against our tenancy invalid if it only has my partners name on it when we have the original which is in both our names. Back in Nov 09 we where issued a notice of seeking possesion because of arrears ,i contacted the council came to an agreement and repaid the arrears as quickly as i could although i was told the notice would still go to court as this was the usual procedure.March this year i was made redundant and the rent was being paid by benefits but due to an oversight on my part this was £10 pounds short of what the rent was so arrears mounted .the long and short of it i messed up a bit and didnt realise .tried to make an agreement with them when i eventually got hold of the person at the couci,l made an agreement, all good except she gave me wrong details for setting up standing order ,next thing i know get a letter saying they are seeking possesion with a court summons so i call them back several times to check whats going on eventually some obnoxious guy tells me she is off ill and wont be back in the near future and i quote "tell it to the judge". i immediately scraped as much money together as i could and payed of as much as possible which brought it down to around £80 (4 weeks ago) and it currently stands at £38 .Today recieved another letter saying they would be seeking an adjournment with liberty to restore .have no idea what this means and was really surprised they where still takeing action as the arrears have been reduced and a constant weekly payment set up ,to be honest i was surprised they took this course of action in the first place .WILTSHIRE COUNCIL WHERE EVERYONE MATTERS ,my arse. Sorry if its a bit rambly but would appreciate some advise as it almost seems like they are looking for an excuse to evict us we are very quite people, get on with nieghbours ,good kids and we just dont understand if its malicous orthis is what they do to everybody.
  6. Not to experto no.Am i right in thinking they have bought the debt or is it welcome playing games also the figure seems higher.
  7. Hi, having not heard a thing since my last post posts i have recieved a letter from experto credito today demanding immediate payment (7Days) of outstanding sums owed to welcome or it will be passed on to their solicitors .Not sure if they have sold the debt or are useing a collection agency ,i was expecting a summons or the reposession guys on my doorstep .Are they looking at takeing me to court or is something else going on. Has this happened to anybody else out there.
  8. Have checked experian report and it shows the account was put in default in april this year (shortly after i told them i had been made redundant) this renders the voluntary termination useless.Should they have told me they where doing this,do they need proof not sure what to do now, i've stopped payments under the illusion i could as i was terminating and it turns out the account is in default .Really worried we are going to have bailiffs on takeing what little we have.
  9. Have ignored the phone,a guy turned up at the door .so regardless of wether i am in default or not they cannot involve bailiffs without acourt case.
  10. Havent had a chance to send access request and had a doorstep visit he says i defaulted in april and they sent a letter ,i didnt recieve any letter,they say they do not need to prove they sent the default notice and if an arrangement isnt made asap the debt will be passed on to loyds bailifs (i think he said) and it doesnt need to go court for them to do this.Where do i stand
  11. have typed up the access request ,does this cover them proving they have the original signed copy of the agreement or is it just payments etc. do i need to send a cca as well,just to be sure.
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