mrk1
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Everything posted by mrk1
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yeah sorry about taht i will know for next time.. makes sense..
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Hi, I have been on here asking about DRO (debt relief order) before, I have one last question. I am hoping my dro goes through fine, possibly know in 2 weeks? Right now I am waiting on some working tax creditsd that were overpaid to be sent to me and added to the dro, but in the mean time i have to wait. I want to know. One of the debts is for rent on my old shop. In order to be accepted for the tennancy my step father had to sign to become guarantor, now, I have asked before if this means he will also be signd off when the DRO passes but no one was sure. I want to know if it's worth me calling the council and pleading with them to drop this all together? I know one of them on a level as such, so maybe I could bend him into doing this?? Any suggestions. I will do whatever it takes on this one. Thanks.
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I can't ring the 0300 number on my mobile
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Hi there. Any news on this? My advisor is waiting to hear from me. I was thinking if I did not tell them/him, is this something that is checked on the DRO process?
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Hi, I have a DRO in place. My advisor was just about to process it but then asked va email.. Have you been receiving working tax credit, I was not aware this would be an issue? I was receiving WTC al year, but only £50 a week, though I was not technically self employed, I closed shop in April, but my letter to HMRC was not processed till September. What's the deal here? Is there anything I can talk abotu with my advisor? To ask him to do to make sure this goes through?
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Hi, not sure exactly where the original lease will be now? Just checked my main folder and it isn't in there. Is it worth me contacting the council and asking for a lease? Or also talking with them and asking if they will leave the debt off and consider my circumstances? Are they likely to listen? Thanks for all your help so far, really apreciate it.
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Is there any loopholes here or anything? Seems like no one is sure here?
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Buy the man a drink! I'm sending you beer tokens! So he will definitely not be pursued? Is there a law I can quote in case they try? or will they (council) be aware that they can not? Thanks.
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Is it worth me trying to call the council and try to negotiate with them?
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I am in the process of Debt Relief Order. All seems to be OK and it should be going through in the next week or so. My old shop rent is in there, just one issue, I had to find a guarantor and my step father said he would take it. But obvioulsy now things have not worked out as planned. The shop rent is in the DRO but what about my step father? Is there anything that can be done? The council are aware that the money owed is going in a DRO but my step dad has not heard anything yet. Can anyone shed some light on this? Am I best speaking with the council to see if they will forget this? My step father isn't in the best health at the moment and also in the best financial ability right now. Any help is much appreciated. Thanks.
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I have paid it off now. I had money in my account but after paying rent and now this I have nothign left. What are you seriously meant to do? It's totally messed up how brutal this system can be to you. Here's my advice, screw the system because that's all it's doing to you! Everyone is out to get someone. I know a lot of you will say 'well don't get into trouble in the first place' but that is not my point. My point is, what about young mums with 2 kids who are struggling as it is, the amount of stress these people and the system cause to you is deadly. Did anyone hear that story about the old guy who died of a heart attack because the debt collector forced him to go to the cash machine for money? It's distgusting...
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I have just called them. Very rude staff. He said he would not talk to me about a payment option until I had made a payment. I said I wanted to pay £25 a week and he said whe won't talk to me until I have made a payment, but have been told that convos are not worth anything in talking, so what do I do here? All of these people have such a ****ty attitude...
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Hi I have called Collectica and the rude phone monkey said he will not be taking the fees off. And that I must pay the extra £75 fee making my weekely payments pointless.. So am I screwed here or what??
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I did and they said that 'we sent it out and as far as we are concerned you should have it' was that blunt! On the phone to the manager guy and he was being an ass basically (love their job too much these people). So... Have the bast**ds got me here?
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Hi. Just regarding this COLLECTICA issue. I have called them and they said they are not going to revert the COLLECTICA issue back. So after paying £5 a week and getting down to £140 their £75 fee has now gone back on making my payments pointless. I am now faced with calling Collectica and paying all my money. I don't even have! So am I screwed over here or what or is there something I can do about this? Because if I don't pay soon they will happily send out a payments officer and add on £275 (which is just beyond me how that is even legal). Please advise asap.
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? Sorry didn't quite follow that? How do you mean mate? I am inclined to call the courts again tomorrow, and say that I did not receive a letter to say 'if no payment received etc' because I didn't? What can I do about this? Because I did not receive a letter warning me.
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Hi. No, I did not get any letter as such?? Should I have? I have not no, as court fines can not be inclued??? I called Collectica and they said they are working for Courtds and the added £75 is not profit for them as they are enforced by the courts? What annoys me is I have just paid £5 a week off taking it down to 140 and now they just add £75 on which takes it back to £215 orginal fine amount. I seriously have no money spare to be giving away, hence the DRO? I'm a strong person, and do not let this **** eat me away, but what do young mums with 3 kids and young 20 year olds do with this stuff... it's hardly even humane is it, how can it be allowed to be so blunt and brutal?!
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Hi Joseph Blogs. Thanks for info. I have just called both the courts and Colectica and the courts are saying that they issued the extra fine rightfully and colectica are saying they are part of the court service and the fine of 75 is for the courts and not themselves. I said I have no extra money to be paying out right now, but none of them are listening. So what do I do... I really don't have any extra money to just be giving away!! What are my options?
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Yes I was told as I have no contract with said DCA's I am in no way bound to anything they demand. I will write to them tomorrow. What about the Collectica one? I am going to call the courts tomorrow and explain that I have been paying. Obvioulsy as I just said DCA have no power to demand their imaginary fees... So do I just call court and maybe offer a full payment? I can not really afford full payment but will if needed?
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Hi. I am currently going through with a DRO (debt relief order) and it's taking longer than I would wish, plus the guy from Citz Advice is not really helping at all. I get back tonight and 2 letters. One is from Collectica, saying I now owe them £215, £140 of the remainder of the fine and £75 for their BS fees. I have been paying this weekly, missed a week here and there but generally up to date, it was for a motor fine with courts. This is not in the DRO as fines can not go in dro. However the 2nd letter is off CCS Collect. Saying I owe upto £300 for variou HMRC stuff. This fine is in DRO. They have 'threatened' with action if I do not pay them etc. They say 'our clent hmrc has authed us to recover full amount due. we regret that if no payment in 7 days or an offer to pay etc we will advice cliebnt to litigate amount due with court costs and court fees. This is in the DRO so what's going on? Can anyone shed light on these 2? I have been working in the library on new business ideas all day and the last thing I want to come home to is this ****!
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Hello Ploddertom, am I looking in the right place for replies as I thought I would have had more replies??
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No it is not limited, to be honest if I may use such a phrase it's a 'little bit on the side' if that makes sense, it's not really a business as such.... Just buying and selling a little bit of clothing to make some money.
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I hope this is in the correct section. I will try to be straight to the point here. Ran a retail business for nearly 4 years in local town center, business was ok and then I relocated to a new premises and took out personal loans from friends (as well as previous loans from family in the past). I lasted 7 months in new business location and the trade wasn't strong enough to support the increased rent, rates and general bills. I was a sole-trader all the way through (wish I had gone Ltd now) Cut to the point. I now owe £4000 in rent and service charges, £3600 in business rates, £1000 in HMRC fines (maybe more now not sure), and probably about £1500 - £2500 in other miscellaneous debts. I am running a business online now, still within the industry my retail store was in but not taking anywhere near as much money. Really is just getting by, still owe about £800 on house rent (my house mate is being really helpful). It just seems like I can not move forward with these spiraling debts creeping up. There's no way I can comfortably afford to pay thee debts off and the stress it's bringing is just not good for anything. I was looking into bankruptcy but am unsure if it will bring even more hardship. Judging on the above mentioned debts, what are peoples thoughts about me going bankrupt? I just can't see another way to clear this stress and mess.
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The women on the phone (local council office) said that a liability order would not harm my credit rating (something that I have lost faith in now - it's pretty low). But just can't be doing with this extra stress of all this, I'm trying to rebuild in business and this is just another snowball in the face! I have been given an email address for the valuation office (which i am going to email soon). What 'stern word' were you given? I really can't afford even £50 a month right now. What is a likely outcome for this?
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