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  1. Thanks Maroon. Very helpful. Do you know if I sign to release just now - I accept I owe them the money - does this allow them to do it every month without a mandate? or does the mandate only work for one instance? Thanks again
  2. Hi All Long time since I have been on here...... i have an agreement to pay walker love 200.00 pm to pay off council tax arrears. I thought all was going well, however it appears I may have missed a payment back in december. I have had no communication from them until recently I received a letter from my bank advising of an arrestment of my account (over 400.00). I then received a 'mandate' from WL asking me to sign to say they can have the money..... Whilst i agree I may owe them the money, I am not sure how they came to the figure they have. My questions are: - if i sign this mandate allowing release of the funds, does this automatically allow them to arrest and release funds in the future, i.e. is it an ongoing agreement? - Do I have to release the funds.... or can I negotiate to have the arrestment lifted? I am also loathe to call them because of 1 their attitude and also the fact it is a 084 number costing at least 7p a minute. Any help, advice guidance appreciated.
  3. Have an appointment with solicitor on monday, hopefully they will be able to help.
  4. Hi All Sorry for the delay in updating. we have now received paperwork. It relates to multiple council tax payment for my partner (each year between 2003 - and now). amounting to just under 11,000. They have now applied for sequestration. We have a date of 3rd november for seq hearing. Any advice? Can we get the seq stopped? can they take the house (we have very little other assests)? is it better to try and arrange a repayment plan now? I am going to try and contact a lawyer later today. We did have similar issues years ago and agreed a repayment plan via sheriff court which we adhered to until the outstanding was paid. will this affect any future agreements / will the court look unfavourably about this. REALLY REALLY stressed about this, and yes we are aware it is our fault for not paying it so please try not to judge us to harshly. thanks.
  5. thanks, thought it would be ironic if you where advertising PDL companies!!!
  6. Not sure if this is a site issue, however is anybody else actually getting Wonga ads (as banners and side ads) when looking through the forums? Seems strange.
  7. Heart of Midlothian supporter - Hearts - Jam tarts - jambo! Hopefully Maroon didnt find it offensive!!! lol
  8. thanks maroon (pretty helpful for a jambo!!!) Just heard, they apparently turned up today (i am at work and my OH was out) and put another letter through the door saying they will try again in a couple of days. Will they be adding charges everytime they turn up? is it better to arrange to go to the office and collect it? Sorry for all the questions, just had no sleep for a couple of days over this.
  9. Thanks I know it is difficult to answer with so few details.. I think it is either council tax or even the factors for our building (walker Sandford). We did have an issue with the council tax years ago, but bevel it was sorted out. Do we have to give WL access to our flat?
  10. Hi not sure if this is the correct forum. Also the details I have just now a fairly limited. Sorry. My self and my partner have received an 'appointment letter' from walker love, stating they have a legal document they need to serve. I am not sure what this is to do with (possibly council tax). It has a code at the bottom mentioning 'sequistration'. A couple of questions: 1) does this mean some one has applied for sequestration? 2) If and when they turn up do we have to speak to them and / or allow them entry? 3) will we be getting 'charged' and attendance fee everytime they write to us or turn up at the door? Any advice greatly appreciated, this is freaking me out. thanks G
  11. As unclebulgaria said do you have any extras on your policy - legal assistance, breakdown cover etc that you may have used? IC's will usually look to recover these as they will have paid out in full to a third party provider. Insurance companies shouldnt withhold your NCD proof (or use it as a bargaining tool) you own it! (unless it is tied to a specific clause in your insurance i.e 2nd driver NCD etc). Get your new insurer to call them directly to confirm it.
  12. Have you had an accident / claim during the policy year? If so and you were paying monthly then the insurance company will be able to claim the annual policy cost off you. If however this is an 'administration' or straight 'cancellation' fee it does seem excessive.
  13. You say you have a van that you usually use? can i ask what you do as a job? do you normally use your van to travel to different places of work - i.e. is it a tool of the trade? what sort of usage cover do you have on your van sdp, sdp+commuting + business use? it may make a big difference.
  14. :clap2: So Pleased for you KAZ. I knew all would end well. CONGRATULATIONS and WELL DONE. it isnt easy but just proves with the correct help, support and advice things can be fixed!! Just keep up the payments and everything will be good! Enjoy a good nights sleep you deserve it!!! :madgrin::madgrin:
  15. Good luck Kaz went through similar a while ago (sadly before i found this site) but got some great free advice from my local law centre (govan). They managed to stop the eviction and have been paying mortgage arrears off since then. I know exactly how you feel it is so scary and stressful. However i found once i got good advice (and more importantly supposrt) it made everything easier to deal with. Stick with it! even if the worst happens (although im sure it wont) I am sure there are guys here who will help you overcome that hurdle. Chin up and try not to stress toooo much
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