Cmon guys surely someone can help out here?

Whoops just re read that and noticed the spelling errors.

Hi gauys, you helped me a few years ago with a bailiff problem. Now a friend of mine has a problem so I thought of here. Back in 2009 my friend ofered his house for vountary repo and went to court. The Mortage company have now sent the debt for the negative equity to a solictors for collection. As he owes in the region of £40,000 he is considering bankruptcy. Any help and adivice would be gratfully recieved. Thanks in advance, UKP>

I did ask him at the time, but he avoided showing his cert. I have however looked on a certain site and he is indeed certified!

Cheers Hallow, I understand that, was more interested in hearing from people had either been made to pay these illegal charges or directly threatened with them. UKP

Just spoken with the man from the council who tells me that all debt is now back in house and have agreed a very sensible and sustainable repayment plan with him. So thanks guys! thats that one sorted! Couldnt have don it without you! Is there any where on the forum that deals with what people have been charged, specifically illegal costs such as waiting time added to bills? I would like to get a list together for charges illegaly raised by Ross and Roberts and more speciafically by the particular bailiff that visited me? Thanks again team!

Just got off the phone with the man from the council who quite arrogant and pushy last week. He has informed me, in a very respectful and contrite manner that they have recieved my complaint and have instructed the bailiff to remove the clamp today! I informed him that I had been told the clamp would be removed on Monday and its now Tuesday, then went on to tell him about charging the council for reasonable travel costs as the car had been illigally clamped! I could almost hear him swallow the lump in his throat! Nearly laughed at him, but didnt. When I told him that my wife had been referred to the hospital due to stress I thought he was going to cry! He also asked me to discuss the debt with him, not the bailiff as he was so insistent I do last week! I told him that I wouldnt discuss the matter with him until the bailiffs have removed the clamp! I suspect that they will drag there feet on that score, and the clamp will still bein place when I leave for work tomorrow morning. Oh wait I stand corrected he is here andthe clamp is off! RESULT!!! Only problem, was my BIL giving him abuse in the street! Kinda screwed up my video! Thanks guys. A debt is owed! Just dont send in the bailiffs!!!

Pretty sure they would require receipts for that! And I have been travelling mostly by bike... Which I managed to borrow after mine went missing in the night... I dont have any. Not going to happen to day by the looks of things Paper work only got sent over at midday. UKP

The clamp is supposed to be removed as I undesrtand things at this stage. Although its still on there as I type. Expecting a call soon to clarfy the situation.

Thanks, Ive found him!

Cheers Rae, The letter has gone to my Councillor, the Cheif exec, and the general council bod thats been dealing with the matter. Apparently the boss at the bailiff firm was quite polite and easy going when the finance company spoke with him. However the bailiff dealing with the case tried to bluster his way out of it. When the guy first knocked on the door I asked him for his court appointed certificate and he managed to get through the whole thing without producing it. Is there a web site or some other way of finding out if he registered and with what court?

Just had the finance company on the phone and they now told the bailiffs to remove theclamp or they will start legal proceedings! I dont expect that to happen until Monday But thats the first part battle won! Thanks guys for your help, I would never had had the confidence to stand up these arrogant people without your advice!

I am going to send this via both snail and e mail and keep a copy for my self. I thought that was the preferred format in these cases. I will include my mob no. on the mail to the councillor and have no doubt he will get in touch for a chat should he see fit. Just re read that and it could be read as aggressive, its not meant to be, just having another one of those days! UKP.

The reg 46 letter has been sent and I am also going to send the following my councillor as I believe that SBC have not been at all fair or sensible in there dealings with matter. If you think any thing needs changing please let me know? 20 August 2009 Ref: Complaint Number 1 Account Number: ***************** Dear Councillor, I understand that my Council Tax account is in serious arrears of £1,179.63 and has been passed onto a bailiff company Ross & Roberts which is attempting to collect this debt from my husband and me. Mr R ****** whom is the Bailiff that has been given our account is acting on your behalf and as such, is a representative of Swindon Borough Council. Mr R ****** has refused to allow us to pay in instalments and is demanding that we pay the outstanding debt in full despite my explanation of our position. Unfortunately we do not have this amount available to us and it is ridiculous for anybody to demand said payment with no concession to our individual circumstances. Mr R ***** was quite misrepresentative of his powers as a Bailiff to my husband in their conversation on the 18th August and implied that he could enter our home without our consent as he had a Court Order. Mr ****** has also placed a wheel clamp on my husbands vehicle in my drive and has refused so far to remove it even though he has been informed that the car is still the property of Black Horse Finance and as such he unable to remove it or raise levy on it. Furthermore both Swindon Borough Council and the Bailiff firm, Ross & and Roberts, have been sent a letter from ourselves explaining that I have a long term illness and am, in our opinion, considered as vulnerable according to “The national Standards for Enforcement Agents” . The letter which was sent by both Royal Mail and e mail, (Please find a copy enclosed), asked for confirmation to be sent to us. We received such from the bailiff but nothing from Swindon Borough Council. However the Bailiff stated that as it was my name on the order and not my husbands that he could not enter into correspondence with them and that they would require written consent from me. The letter was sent again via e mail from my account and no reply has been sent Fortunately I am fully aware of my rights in this matter and we were not duped into allowing this man into our property. I can not imagine what effect this would have on someone whom is ess knowledgable and even that a Council would condone such tactics. It is disgraceful to say the least. I have telephoned your department on several separate occasions and have even visited your offices trying to discuss the situation and make an offer of payment in instalments that is sensible and sustainable. Also a realistic amount that we can offer that will not leave my husband and me in serious financial hardship and subsequently in a position where we would again be in arrears for the forth coming 2010 Council Tax bill. On one occasion when I called to speak to someone I was informed that the debt goes back through last year and there is some outstanding from 2005. I was told after asking several times that all the amount now owing had been placed in one account. When I asked about liability orders I was informed that none had been raised at all. An answer I found dubious as the Council can not get a bailiff involved until one has been raised! I now understand that are least 2 liability orders on this account. Can I suggest that you make sure all your operators know what they are talking about when dealing with matters of such a grave nature? We had even made an appointment for 19 August 2010 to see one of your representatives and had been given a letter stating as such. We were informed that if the bailiff turned up in the mean time to show him the letter and he would leave. He did show, we did show him the letter and he refused to leave. Either your staff need more training or this bailiff has once again ignored directions from yourselves. On the several occasions that I have called to discuss this subject after the bailiffs visit, I have been told in quite a decisive manner that I have no alternative but to negotiate with the Bailiff and that you will not have any further dealings in this matter. Until, when we spoke with your front line team they finally agreed that they had received the letter, and only then did they start talking about a possible payment plan. I would like to commend the young lady we spoke to, Jenny for being patient and understanding of the situation and dealing with the matter with compassion. However when the matter was referred to your back office and to a manager I know only as Simon, he started back on the route of you will only deal the bailiff, and he refused to let any one in his team make a simple call to Black Horse to clear up the car issue. He also went on to inform me that in his opinion the vulnerability issue only applied if I was home alone, but that if my husband or Daughter, (who is 25 weeks pregnant), were at home that he could act as he saw fit. I find this completely deplorable and no doubt in contravention of the act as I suffer with just as much stress and upset regardless of who is at home. Surely it is in your best interest to accept payments so that the debt is recovered regardless of who takes them or how long it takes to remove the arrears. It should be noted that we are not at any point refusing to pay this debt to you but only asking for a fair payment period considering our circumstances. I should also like to point out that when arrived for our appointment at the council office on 19 August, an appointment that we had made with the sole purpose of discussing a repayment plan, we were told that your representative had been informed by Simon that all she could do was take down a financial statement from us. Something we had done on the phone less than 24 hours previously when talking Jenny. I know that Simon had seen this as he wanted to dispute some of the items. Making our entire visit a waste of time. It is within your power to recall the account from Ross & Roberts as you appointed them in the first place to act on your behalf. It is absurd that you continue to insist that I must only deal with a Bailiff who is uncompassionate and categorical in his manner towards us in his attempt to make money from the account. I ask that you allow us to deal with you directly as we will be making payments to you in future and not the Bailiff company. I have written a letter to the said Bailiffs informing them of our intention to pay you and a break down of any fees that have been applied to our account their end. This will give them only one option to return the account to as they have been unable to collect the amount owing. I would like a break down of our overdue account which is being held on your system for 2005 onwards posted to me as soon as possible as it is my belief there are also serious irregularities that I need to confirm. I know that we should have paid our Council Tax promptly and on time in the first place and with hindsight we would have made every effort to have done so to have avoided this nasty situation. However we are a struggling couple who have purchased their first home together just over two years ago and are currently fighting financially to keep it. My husband has faced threatened redundancy and also times of unemployment in this year where we have only been able to rely on my wage as an income. My wage alone barely covers our rent and food requirements which is our first priority as it is the roof over our heads, regardless of our best efforts we have fallen into arrears on our rent also at present although we have a plan in place with selves at this time which ahs nearly cleared the debt. As I was in full time employment my husband was not entitled to benefits of any kind that would have been a great help. We want to repay this debt as quickly as possible and would ask that you take this into reflection. I look forward from hearing from in a timely manner. Yours sincerely

Well that was a waste of time! All I get is a crime number! And oh we will check to see if any other properties have been broken into in your area then if they have we will inform CID! Basically a F**k you sir your little problem isnt enough for us to worry about!