hey guys this years council tax 2013/2014 £506 has been pass to the walker love sheriff officers plus there 10% charge making it to abt £556 i owe in total. i have setted up a payment arragment i offered £50 a month they refused due to my income £1300 they said they can get a wage arressment for £160 a month if they want to but said they will accept £100 a month without going thru all that . do they have or myself go to court for wage arressment also i didnt recieve any time to pay form etc with my letter from them. how much can they take if they get wage arresment ? as i will be asking to reduce as i wont be able to afford this and pay next year council tax ? so if i dont pay next year council tax it go to walker love again no doubt for wage arressment or bank arressment - how do they find out which bank or your employer your with todo this ? thx guys

mindy - how did you stop mr lender from using your djust figurin out how to deal with them ebitcard details ? - 1 - lost the debitcard 2- wrote to bank withdrawing permisiion just i about default as well

i get on ok with agents but they do complain abt being fined for non -payers etc not making amount each week due to new system they workin to - i prob just keepin payin since not long togo it mostly just mr lender worrid abt using my debitcard details (i have changed banks where my wage will goto now so its safe)

cheers i already got a budget sheet that why i was shocked about i spend on debt out of my wages i roughly have abt £80 to spend per month between me & partner left after bills/debt etc also is there template on cag regarding cancelling cpa / withdrawing permission to use my debit cards that i can hand to my bank thanks

i had the same problem with santander regarding mr lender - they says mr lender debit transcations isnt cpa so i think only way to stop them is simply lost card in public space and another bank account elsewhere . ps - santander did advice if it was a cpa they would be able to cancel it and refund any money they take out after it without mentiong they have to by law

hi guys at the moment i paying various debts at the moment but i seem to have no money for myself or even afford to furnish my flat or get new appliances if they breakdown its starting to get me down i cant afford a capert yet due these debts (been in flat 8 yrs) i thinking of defaulting on provident & greenwoods loans (cost me abt £120 a month) and mr lender payday loan . do you think i should reduce my payments to provident even tho its only got abt 5 months left?

yeh no additional charges have been applied just orginal amount from o2 ( got old o2 statement just before the default) i use creditfile for who owns the debt not the company on behalf of as few debts i have has had 4-5 debt collectors chasing them. i knw bcw like to add charges so does capquest.

yeh i thought they might be bluffin as they were in same enlevope but i checked noddle ( callcredit file) and default from o2 has been changed to lowell so must be legit i tend to only pay debts that on my creditfile ie lowell etc but like of scotcall etc they asking or a debt which isnt on any of my 3 creditfiles i tend to avoid them

i recieved a a debt assigned(sold) from 02 but in the same envelope had lowell letter saying o2 sold the debt to them and they wish to collect amount ? why was o2 and lowell in the same envelope? also when capquest foned the first time they quite rude so i asked how they got my number (as it only 3 months old ) she said it was experian then i said well they broke data protection act also advised them only contact by letter she said but we have sent them out but u avoid them lol 2nd call i refused the security questions he was bit annoyed lol

hi bigshoes ... bigsocks i agree i not avoiding paying debts - i payin the ones i know are legally owned with the paperwork sent to me like lowell/02 but i know few people that dont do anythin but avoid them they dont care abt creditcards/mortages while i want them things in 7-8 years when i better financed so you saying satifised default on my file looks better then unpaid default all my creditor contact me by letter but capquest who got my number from experian apparently like to phone me

hi there just wondering if there any point paying defaults on creditfile various debts of various years 1-5 - if i do pay will it improve my credit worthiness or will not matter or not pay get hounded for 6 years by leeches if default has been issued that damage done paid or not looks bad on me ?

no they are default but i check with experian/equifax they only have lowell default for it (lowell bought the debt) as lowell changed they name on raphael defaults but callcredit has 2 separate defaulfts making me look worse also i hear more companies are starting to use callcredit

hey cags members i recently looked at my callcredit file and noticed 2 defaults for an old debt orginal creditor default from raphaels and the debt collector who bought has also placed a default(lowell) i have asked callcredit to remove raphaels 1 due to have 2 for 1 debt but according to callcredit you can have several defaults or 1 debt and refuses t remove them saying i have to contact raphael myself i want that done is this correct i thought it was their job to make sure. same with i got a default from wonga but have never recieved any paperwork for it? any help will be great

hey guys i was checking my callcredit report today and noticed wonga had place late marker then last 2 months since july placed it as default but i didnt recieve a default notice or any pother paperwork they stop chasing me for debt months ago so i asking should i ask for my default notice or just let it run for 6 years as i have no intention to take a loan or mortage till nearly 10 years hopefully what are cags members thoughts on this

your welcome happy to help fellow cags member when i can

i usually tend ignore them i only starting to pay the ones on my creditfile everybody else aint got a chance lol

hi guys what it is i have few dcas who after me for awhile for few debts most them will be sb in 2-3 years tops but i read somewhere is that if you recieve discounted letter means 1) they are desperate to get you to pay 2)they dont have enforceable paperwork 3)its way by the sb date 4)thyey want you to contact them i seem to get these a lot from dcas and payday loan dcas due to me not contacting most them i usually bin the letters they normally threat o grams i thinkin its prob last plan before they pass it to another dca the discount varies from 50%-20% off recent one was motormile for wagedayadvance offering me 30-20% off but they only had the account for 2 weeks max lol bit too quick i say to offer discounts unless they hiding something what u guys thinks ---

there not much abt these guys online but i heard few rumours that one of directors owned similiar company named motormile etc but went into liquidation due sheer volumes of complaints against them for breaking few oft rules with bully tatics but i can only afford £1 so take it or leave as i say does anyone know if wagedayadvance or motormile marks your creditfile as i know wonga does

i got debt passed to them by wagedayadvance yeh they will try to get more out of you as i offered £10 a month for debt of £225 but at least £70 is unlawful charges which i am disputin which they have rejected but due my partner quit her job i now offered them £1 for just few months till i financial better again rejected sayin a doorstep collector will turn up to look at my financial papers which i responded to i have made no appoitment for anyone to turn up and if they do i will phone the local bobbie lol also i am not lettin any1 see my bank statements never mind income/outgoing sheet which they unhappy abt i told them i only show a court my statements they responded they might have todo that ----------------- all this was done by emails as you cant trust these dcas the email i was using was [email protected] she is 1 of collection advisors also [email protected] & [email protected] are all valid hope that helps

it kool i phoned the council and explained and they quite happy with my arragment to clear the arrear's with themselves and avoid walker love sherriff officer &10% charge but if i dont keep my promise pay extra next month then they will send it to them but thanks for help guys

so i just wondering how they can justify 10% charge also i take they will be harder to get them to accept lower payment etc compared to debt collectors

just wondering if any cag members can help us here - can walker love sherriff officers legally collect council tax debts ? i thought they would need license for that also are they allowed to add 10% of balance when council send it to them for collecting any help be grateful m ps. this is for scotland

yes service contracts are included 5 year's if in scotland 6 years in england and i do believe these people sell info to other companies i dont know if iit legal etc

yes i cca them still waiting for them been 6 weeks i owe virgin active £40 but arc want £69.95 nearly £30 is their fee

some credit cards wont let over limit by adding fund like vanquis you cant extra money to credit limit in t&c they can close the account for being in credit which sucks