OK so I need to cover the £75 costs also? I can just about stomach that. I'll phone the courts tomorrow and see if they can help. Thankyou so much for your advice x

hello and thankyou for the reply. I have paid £200 to the direct account number and then a further £360 since the consolidation letter came. The assault fine was £400. I have just continued paying the £50 monthly so that it can bring the balance of the other fines down. Collectica requested half of the money in order to even consider a payment arrangement. I genuinely don't have it otherwise trust me i'd be paying it because the stress is awful. I have written a joint email to the magistrates and collectica detailing my situation and practically begging them to allow me to continue at £50 a month and have offered a further £20 though I will scrape as much as possible away in addition to this to get it paid because the situation really is awful when you are offering all you can afford and it's refused and you're in danger of incurring even more fees. I am literally trying my best. They don't care and I don't expect them to but I just really want to get this sorted and will continue to plug away at the debt. I'm going to move my car somewhere else. Without it theres a good chance i'll end up back on benefits and that's not really going to help anyone. Are they likely to know what car I have and drive around specifically looking at it? There should be no money owing in respect of the assault fine as far as I can see. Whats confusing me about this is after paying the first instalment of £200 I received the consolidation letter so all the fines have been clubbed together under a new account number which is what I've been using to pay £50 per month.

Sorry for any confusion. The agreement of £50.00 per month was made in april in respect of the assault fine of £400. Regarding the previous fine no arrangement was made following my benefits ending I just received a notice of consolidation and continued paying £50 per month so I assume this is why it has gone to collectica. Any ideas what their next move will be and what they can and can't do? Looks like I'm going to deal with them regardless and i'll continue payments no problem, its the addition of extra fees that is bothering me considering they can see I've been making payments since April in excess of what they would have deducted had I still been on benefits.

Hi, I've started a new thread due to confusion. Here goes.....please don't judge I'm just looking for advice on what collectica can/cant do next. I received 2 magistrate fines last year - one for tv license and one for thinking my broken down car only had to be taxed outside my house (i'd swapped the insurance onto a new vehicle and was landed with the driving with no insurance fine even though it wasn't drivable). At the time payment deductions were been deducted from my benefits. I also managed to sort myself out and take out a DRO. I'm now discharged and due to my paperwork from Step Change including the TV licence fine I thought that was included however I know now it can't have been. In January after been out of work for 5 years I managed to get myself back into a good part time job. Obviously my benefits stopped so too did the deductions for these fines. I didn't have any paperwork and in all honestly pretty much forgot about the fines or stupidly figured they'd send me something to advise the deductions had stopped. In March I was in court after a bouncer tried to grope me in a nightclub and I hit him. The court hearing was set to the first day of a new job I was starting and they refused to change it. Right or wrong I chose to go to work thinking that i'd be far more out of pocket if I lost my job sent a letter into the court explaining what had happened and why I was not there. I was found guilty in my absence and a warrant was issued I handed myself in. I was fined £400. I had never been in a courtroom before and did not qualify for legal aid at the time I agreed to pay £200 at the end of the month and £200 the following month. I literally just wanted to get out of there. The first payment of £200 was made. Then I phoned the court and explained i'd agreed to more than I could really afford due to panic and asked if I could pay £50.00 per month. This was verbally agreed. In May I received a letter from the South Yorkshire Enforcement Unit. This was a notice of consolidation. It listed all m fines and the balance and advised future payments be made to a new account number. My payments continued. I have made regular timely payments since March totalling £560.00. That notice of consolidation was the last piece of correspondence I received from the courts I had been regularly making the £50 per month payment with no idea they obviously didn't feel it was acceptable. Last week I then received a notice of enforcement from a company called Collectica. The balance of £883.50 has now jumped up £75 as I understand is correct for their fees, although I can't really understand why it has been passed to them. Straight away I called them up. I explained I had been making regular payments for 6 months and asked if I could continue this. This was refused. He told me unless I paid half the amount I could not agree a payment plan. I explained this was impossible and that since my DRO I live on a very carefully planned budget and only live within my means. I also explained that fully understood the debt was mine to pay, that I had no other debts this was of course my priority however I see no point in solving one problem to inevitably cause another because that's what got me in a mess in the first place. I simply stood my ground. He advised me that if I didn't pay the amount an enforcement agent would visit my house and take goods to the value....... I told him this seemed ludicrous. That would mean that the payments I had made every month would have been for nothing. Had I not paid them and put them to one side I could almost have afforded the initial payment he was asking for hence leading to an agreement on a payment plan without incurring further charges. At no point have I tried to dispute this debt is mine. It is and I will pay it, I'm not trying to get out of it I simply cannot afford to pay what he is asking for. I also doubt he could find the value of what I owe in goods in my house. I have a super old lap top and my son has a 3 year old ps4 that he got for xmas. My t.v's are certainly not new, large or modern. I cannot afford luxuries at the moment. All I have is the car my mum bought me so that I can take my kids to school and get to work on time. I certainly do not want them to take this. My biggest worry is that they will take my car or add further charges onto this debt. That will just take me back to square one and I desperately don't want to go back there. I'm starting to think i'd have been better off staying on benefits and what kind of thinking is that. Can anyone please take the time to advise me of what would be the best thing to do. What can/cant the enforcement agent do if he comes to my house. Will they already know I have a car and the Reg so that they can look for it if I park it somewhere else? Many Thanks

Oh no i'm genuinely not doing that, I've learned the hard way that it will all crash down If you don't pay what you owe trust me. When the deductions were taken I was in a pretty bad place it all just pretty much got ignored up until me finally hauling my ass and sorting a DRO. The letter from the official receiver shows the amount allocated towards the magistrates fine I had no idea that it wouldn't make a difference. I guess it is what it is. I will let them in, they will see I have nothing of value, i'll keep making my monthly payments, my debt will go up a few hundred quid I suppose I will have to go from there and just keep plugging away at it. Bad times I simply cannot put myself in a position where I offer more than I can afford as that's not going to help anyone. anks for the advise though, at least now I know where I stand and what's coming next. I am positive that the official receiver signed £300 to magistrates fines. I have the paperwork in front of me and it is showing in black and white. The third offence was for £400. An initial payment of £200 ( which was paid) then £50.00 per month. That agreement was made in march. In May I received the consolidation letter from the courts. It didn't mention anything about payments, just to make future payments to a new account number which I have been doing ever since at £50.00 per month. The 3rd fine is the only one I was given a set amount to pay. The previous ones were initially deducted from my benefits. Ah applogies it seems I've made an error. (maybe). On the paperwork submitted to the official receiver it is showing magistrates fine at £200. (this is what I told step change I owed for the TV license), however on the paperwork I received from the official receiver it shows £300 to South Yorkshire Police. I have no idea what that's for as the only time I've had dealing with them is over the car insurance and that turned into a magistrates fine as well. Seems I've confused myself.

that does not sound great does it. The courts however have never been in touch with me regarding non payment.. The only correspondence I received from them was to advise that the fines had been consolidated and to make future payments to a certain account number. I had made 2 payments prior to that and never missed a payment since. Ah well looks like I've fluffed it.

Hi all, Thanks to anyone who would mind taking the time to read this and advise me if possible. I received a 2 fines from the magistrates court. 1 for no tv license (fair enough) and one for driving without insurance (although the car wasn't been driven it was just parked on my street as it was broken down and id transferred my insurance onto a new vehicle. Taxed to be on the road but didn't realise it had to be insured as well, my bad but I guess that's by the by). In the midst of this I was granted a debt relief order and was granted £300 by the official receiver to cover the TV license fine (strange as that fine was for £200) but left the insurance fine outstanding. initially as I wasn't working deductions were been made from my benefits. When I returned to work in January 2017 this stopped I didn't make any payments as id lost my paperwork and expected to hear from them regarding payments and thought id pick it up from there. In the meantime I got myself another fine. ( I know, I know but it was cheaper to be found guilty and pay £400 than pay a solicitor to find me not guilty) I began making payments for this fine immediately. In mid May I received a letter from the South Yorkshire Enforcement unit giving me one reference number to cover all my fines. It showed the amount i'd paid and the balance. (though there was no reference to the £300 that the insolvency officer had written off under the DRO). Again I continued making payments and have regularly paid £50 a month every since. In total since April I have paid £560 towards the fines. Then I received a letter from collectica. A notice of enforcement. Showing the correct balance of £883.50 but they have also added on £75 for god knows what. I rang them and explained to the guy who answered that I had made regular payments to my fines and had been doing since April. I asked if I could continue making payments at the amount I had been - £50.00. This was a big no no. He wanted half the money up front before agreeing to a payment plan. I explained to him that I had just been discharged from my DRO and that I was very careful with my budgeting. I tried to explain to him that by paying him more that I could afford the money would have to come from another pot i'd be sorting one problem and creating another. He told me his was a priority debt, I explained I have no other debt anymore and that this was the only one outstanding my payment history should clearly show that I am trying my best to clear it. We went back and forth for about half an hour. I stood my ground. I refused to pay anymore than I could afford, explained that i'm certainly no sat with a 50" T.V on my wall and that if they come to my house the only thing they will find of value is my sons PS4 which is about 3 years old. (and my car which my mum bought me for work, now been parked out of the way of my house. His final offer was of an initial payment of £280 and a payment plan. Otherwise I would be charged for bailiffs attendance and get more fees, worst case scenario been arrested. I told him at this point id welcome a change to plead my case in court. Although I suspect they would rather just add more fees onto the debt that I have been trying to clear. I told him this was the most insane act of bullying ever. They can clearly say I have been making regular and timely payments directly to the court, now they want to eliminate all that money I've struggled to pay by sticking it back on in fees meaning that it will take me even longer to pay. How the hell is that even I thing?!!!! I told him I may as well have kept all the money I paid so that when they wanted an initial payment I could have made it. This makes absolutely no sense to me. I have worked my ass off to get out of debt and despite paying on time they are determined to land me back in it. I got off the phone and resolved nothing. He told me I have another few days to agree to his terms before a bailiff will call at my house (he'll be very disappointed by the nothing of value that I have ) its hassle I just don't need. I got off the phone and made my due payment of £50 but again to the courts not to collectica. Does anyone have any advise for me please? This is infuriating for me that they can see I am not ignoring the fines I am paying each month yet they seen hell bent on making the debt larger. Also can anyone advise what to do regarding the £300 the DRO shows they have allowed towards these fines that is not showing on the letter I received from the courts. Many Thanks

Thanks ill keep it simple. Im not sure if they will pay but ill be trying even if it costs me. I hate ppl like this they have our hard earned money and i will try the correct way first and see where we go x

Hi everyone and thanks for the advice. I am now in the process of wring a letter before action. I have outlined everything that has happened the problems and enclosed proof that what they offered was in fact an acre. However the part i am stuck on is the bond. Just to clarify the £120 i paid was not a bond. It was agreed to as 4 weeks rent in advance. The only proof i have of this is the information she initially sent me which states this is what they required. She never sent me a tennacy agreement either. Can anyone advise me on whether or not the rules around deposits applys when it's land if i have no written tenancy agreement.

Hi everyone and thanks again for all your advice. Heres an update and another ask for advice if possible. Kelly was moved yesterday and is now happily stretching her legs in 5 (actual ) of land thats the good news. Now the bad and my dilema. On Sunday I told paul that we would move Kelly and our things from the land, that we would tidy it up and then we would like back the £120 for the 4 weeks rent up front that we paid. He then tells me that the money paid was a bond and that we would not get it back due to the state of the grass. ( it is bad, in 5 weeks it is sparce and the rain and kellys hoofs have turned much of the ground hard. Although i'm not surprised given the small space ). There was no agreement made by me. That money was rent in advance unfortunately it was discussed in a phone call and the only proof is the original information she sent which states 6 weeks in advance rent to be paid. ( they told us 4 was ok later). We would have been happy to cut our losses and take our £120 but they have refused. At our new stables we happened across a couple who were also going to rent a paddock from Paul. They paid £120 rent in advance plus another weeks rent ( they wanted to hold the field till they got a horse ) but contacted the couple to say they no longer needing the land and asked for their £120 back. Paul has ignored all contact and they are in the same boat. I have contacted trading standards and the citizens advice. Neither can help or advise me as the product is land and not goods . I am thrilled Kelly is now on suitable land however this nightmare has been simply awful. I hadn't slept for days, we've endured threats, endless mocking text messages, lies and heartache. It has cost us a lot of money to move Kelly both in transport and rent for her new field. We have found our we are the second people they have ripped off and are determined that they shouldn't take advantage of anyone else. Naive i was but i'd rather be naive than deceitful. Can anyone advise. I do not want to write off this money. This couple are conning people and they shouldn't be getting away with it. A solicitor will probably cost more than i'd get back so i would only like to do this as an absolute last resort. (although i will if necessary). Does anyone else know a different path i can take. A law i can quote? Take them to small claims (and advice on how to do this ). and would any of it even have a chance of a positive outcome and would the judge see it as my own fault for not measuring the land. I don't want this couple laughing up their sleeves should i attempt to chase them and fail. Is there anyone i can report them to? If anyone has any ideas at all please share. I think it is terrible that they can take money people have worked hard for by conning them and then moving onto their next victim. Thanks again everyone

Thanks for all your help and advice. Heres a bit of an update. We have tried to discuss this situation with Paul however they told us we had till this friday to remove our horse or they would move her. We have paid 4 weeks in front. Unfortunately we don't have proof of this. They are now saying this was a bond for the field. I only have the information she sent saying that rent had to be paid in advance. However she cannot prove it was a bond either. Obviously our horse was going to eat the grass so im not sure what the bond would be for anyway. We told them we would be speaking to trading standards and it's all turned very sour. Paul made a phonecall saying to move the horse or else. Kept calm told him the land was nowhere near big enough for her but we would be moving her asap anyway as the land she's on isnt sufficient he threw some threats and we phoned the police. They now say if she isn't moved in 5 days they will move her. Can they move her? We are viewing some land tomorrow but it isn't quite ready yet. Its not as simple as putting her in my back garden. I know we may have to try and fight for our money back as a civil matter but i don't want them moving my horse if we haven't found her somewhere in the next 5 days

Im not sure if this has worked but one is the origional ad showing approx 1 acre of land for rent £30 pw the other is the info she sent to me showing they had 2 x 1/2 acre paddocks at £15 per week each. had cropped any info x

great advice thankyou. Will this still be effective even though we were daft enough to not realise what an acre was

the ad clearly states the area and prices will post asap. £30 per week is over the odds for where i live but the location was straight next to my kids school and it's quiet and kid friendly which was what we wanted. I just feel conned and the only one suffering is my horse as she doesn't have enough land and needs to be moved. Im just not happy to have paid out £300 for the acre when i have barely 1/4 of that x

at no point did they say the paddock is £30 per week but it's less than a 1/4 of an acre now. We wouldn't of took it. We were just clueless as to what an acre was and trusted that that's what we had

yes i have screenshots of the ad and also she inboxed me information showing the plot sizes and prices. I have text messages showing that we have paid £30 a week but she hasn't yet sent me a tenancy agreement as promised. Obviously our horse is on the land though and i have numerous messages showing that we are obviously renting from them

Hi, im hoping someone can help. I will breakdown my situation as simply as possible and hopefully i've posted in the right area. 5 Weeks ago i was given the opportunity to own my first horse. Although i can ride well we did lots of research surrounding the care and maintenance as we've never owned our own. We are looking for suitable grazing close to home and thought we'd dropped on lucky when i saw an ad posted on facebook: 1-2 half acre paddocks for rent £15 each pw & 1 acre paddock £30pw I immediately contacted the advertiser, they seemed genuine down to each people and she sent me the information which showed the rates above and some other terms. After a lengthy discussion we agreed to take a 1 acre paddock for £30pw. We were told that if we were to get another horse in the future they wouldn't allow 2 on 1/2 acre and we thought it would be better to have a larger plot anyway. When we initially went down to view it wasn't taped out and the guy explained that it would be measured. We paid the 4 weeks in advance to be followed then by a weekly payment of £30 so we would always be 4 weeks in advance. Our horse arrived a week later. 2 Weeks later the grass is gone and we're buying hay. No problem we expected the costs. However on watching location location a couple of nights ago we saw what and acre actually looks like and looked at google. where we found an acre comprises of around 4047 sqm. Off we went with our tape measure to find we have 900 sqm. Nowhere near enough for her to be on. We thought maybe the guy renting the land had been diddled too as we are just sup letting and he had rented off the land owner. I messaged to explain the problem to which the response was " Paul says they are not acre paddocks. He says when you came down he said a £15 paddock or a £30 paddock". Seems like they are backtracking. Paul did say this, with us assuming, as per their ad, that the £30 paddock would be an acre and sufficient for our horse. Do we have any rights here. It goes without saying she will now need to be moved. There is nowhere near enough land but we have paid in total £300 to them and received less than a 1/4 of the land we thought we were getting. obviously we are partly at fault for not realising. We genuinely just thought that we had an acre having never seen one before and we took it and paid our rent in good faith. Thanks so much in advance for any advice. Emma

hi everyone looking for some advice please. My parents seperated in December 2010 and my father left the marital home. As my father was not paying his share of their joint loans as agreed my mum was advised to claim bankrupcy, and before doing so also moved out to secure a property before her credit rating was wrecked. Now neither party have any interest in the house. My partner and i are currently renting a property and although we have good incomes we have also had our problems and our credit rating is far from impressive. What we have proposed is that we take over the morgage and move into the home. Now we have looked into this and although we can move into the house and make the payments there are a few problems. We are unable to transfer the mortgage at this time as there is not enough equity in the house. Neither my mum or dad are likely to diddle us so this is something that we are happy to look at at a later date. However there are other problems i could really do with some advice in other areas:- 1/ the offictial reciever has a claim on the property. So if the house is sold and there is any money left over he gets dibs. Obviously we don't want to be paying the mortgage if in 10 years time he gets the benefits any ideas how long his claim will last? 2/ My dad is going bankruped but as yet hasn't done so, will us living there and paying for a house that is still technically in their name be a problem? 3/ A rather large secured loan. £480 a month. The mortgage is not in arrears but the loan is £3834.80 in arrears with GE money. Now i have spoken to them and they said they already have been through the courts and have an order which is enforcable? Will they go through with this even if there is no money left for them if the house is sold at present or will we be left alone if the payments are made and if so how long would this take. If anyone can offer any insight into this that would be great. We can have our names added to the deeds and mortgage once their is enough equity in the house so this isn't a problem. What we don't want to do is pay in excess of £800 a month for the house if we could be removed at any time. Many Thanks Emma

Hiya, I've had the same, the reason is that the threashold for been eligable for the working element of tax credits is £17,000. For tax credits child element the threashold is £42,000. If you're family income is more than £17,000 and less than the £42,000 you should still be entitled to the child element. Hope this helps x

Hi guys, just a bit of advice please. When my employement ended last year I started a claim for income support during this time i found another job and my lone parent advisor ended my claim and sorted my tax credit etc...unfortunately this job only lasted a week as apparantly i was a bit slow-thus income support claim restarted. My partner moved in March this year and he works full time so I knew I couldn't claim income support anymore. I rang my lone parent advisor to let them know, i also asked if i could claim jsa. She gave me a number to ring to ask. Turns out i was entitled to jsa contributions based which i have been claiming since 3rd April. A week later i receive a form from IS to check my details, new details filled in and form sent back. Assume all is now sorted. Then....my payment doesn't go in the bank today. I've rang JSA who say it's been suspended as i'm still getting income support and they are just waiting for confirmation that IS claim has been closed. So i ring income support. Apparently my claim was not ended..WTF!!! and i have had 2 payments. Now in all fairness i did notice i had a bit of extra money but had received a letter from tax credits saying that an additional payment may be made in april and dont worry it doesn't have to be paid back and as i only have a basic bank account i don't have internet banking. I assumed it was tax credits so spent it. Anyway I tell the income support woman all this ( very friendly ) she says she'll close my claim but there will be an overpayment referal and i will get a letter. I told her i don't understand how IS claim wouldn't have stopped automatically once i started JSA and why I needed to inform them when my lone parent advisor took care of it all first time round. Madness. What i'd like to know is will they stop all my jsa till this is paid back, it's not much but that's not the point. I also don't want them to stop my JSA claim. Any idea's what happens next?

Hi, No in all honesty i totally forgot, i was pretty pregnant so have other things to worry about so just didn't think. If i have to pay the fine i understand what worry's me is that they have given me 3 days to fine a full £125.00

Hi all, any advice helpfull. Early last year i received a parking fine. I was in fact parked on double yellow lines however i forgot all about it untill i got the letter from the council asking for payment. On this letter it stated that i had received the fine for parking in a disabled bay!!! On double yellows yes but NOT a disabled bay so i wrote off to dispute the reason they had stated. I heard nothing back, now some 10 months later i have recieved a letter from Rossendales stating that i have to pay then £125 within 3 days or they are coming to my home. I'm currently single, on maternity and have a child at 6 months and 7 years and as i am on maternity pay i have no way of finding this amount in 3 days. Is there anything i can do? Many thanks

Okay i have feedback. As i had had no contact from the bailiffs as soon as the coucil refused to accept my payment of £68.00 per month and told me i was been referred to the bailiffs i wrote them a letter advising them that i wasn't refusing to pay and that i'm 33 weeks pregnant with complications and i would be putting complaints in left right and centre if a bailiff turned up at my house and that i would continue to make payment direct to the council. ( I made a payment of £68.00 as i said i would on the 15th ) However i came home on Friday ( a week and a half after this letter was sent ) to discover the bailiff had indeed called and left me a letter saying he had come with the intention of levying my goods for sale to clear the debt. After my payment of £68.00 i now owe £400.00 on this years council bill. But now i owe £400.00 plus costs??? The letter says that even at this late stage with an initial payment of £200.00 i can pay in installments. What now please? I have a baby due in 7 weeks and will be putting in a claim for housing and council tax benefit in 4 weeks time which will cover my payments anyway?

I'm not sure, The loan was origionally completed on the 22nd May 2007. In August this year my parents also received a lot of backdated correspondence from GE Money, it was all dated the 22/5/2007? They didn't realise until they got it that an additionalo loan for PPI had been taken out? Loan amount £38250.00 Additional Loan for Payment Protection Plan £10867.50 Application Assessment & Completion Costs £250.00 Total Amount for which account has been opened £51117.50 Total number of monthly payments - 240 Amount payable per month - £417.22 Amount offered by refund of PPI - £5614.88 I worked out that if they had gone on paying this loan for the full duration they would have ended up paying in total: £100,132.80 Does what they have offered appear to be correct?

Hi, My parents have recently written to Capital One to cancel their PPI and we received a letter back from them confirming that they will refund them around £5,000.00, however they have said it will be offset against the loan total. What with the loan been so large it's barely noticable and the loan has never been defaulted on or been in arrears - all payments have been made on time and up to date. I wrote them a letter from my parents saying that we did not agree to their conditions and quoted a paragraph found on the ombudsman website detailing that refunded money can only be offset against a loan if the loan was in arrears and then only totalling the amount of arrears and as there were no defaults against the loan in question then the money payable was by rights my parents and we would be looking forward to them recieving a cheque for the full amount within 14 days. However a month has passed now and no response? Where do we go from here?