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About LadyDay

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  1. Hi All, it's February 26th 2015 and I just wanted to UPDATE you all on what happened for anybody reading this thread. Now it's a bit of a short 'anti-climax' but a result is a result in my book and it worked out for me. I did get a letter from my social worker which evidenced that this was a condition which pre-dated my CT arrears and how it affected me on a daily basis. I also had photocopies of a few doctors letters and interestingly photocopies from the Baliffs own website about vulnerable people in which case it stated that these cases would be referred back to the Council!! So I had
  2. Hi, I'm very late to the claim back party and have had a call from Harringtons who are offering to help me claim bank & store card charges back at a whopping 39%. as its such a hefty charge I thought I might try to do it myself. The thing is my claims would date back between prob 2000-2004/5. Regarding the M&S card it was my first store card and I probably signed up for PPI on it but I was also always late paying it off and had late charges of about £35 a go. Can I still claim back in 2014 from all this time ago and how m
  3. I was certainly in a 'vunerable position' from the outset if thats what 'ab initio' means, but the Council wasn't aware from the very start as I thought I could just 'get on top of things' on my own. Nor did I realise at the time that the Council could have a perspective on these kind of thngs. I guess that means I'm informing them 'after the fact' although my doctors notes and other various documents could verify all the things that we're happening at the time the problems started to happen.
  4. Thanks caro thats good to know. And DragonFly1967, thats's correct I have paid off the court costs and have the amount outstanding that yes, I'll be able to pay off next week. Do people think/ anybody know then whether I would have to now pay 2 lots of balliffs - Jacobs and Newlyns - fees for what amounts to the same debt?? I suppose I assumed that it was just Newlyns I was dealing with now??? because there have been no Jacobs letters for about 6 months or more according to the dates of the letters we've been through. But then again my assumptions to date have proven to be wrong
  5. Hi, I know thread this has generated a lot of heat but do hope it stays open. We tried to look at previous posts that might have touched on this type of situation after the new legislation in April but didn't find many on any forum so all your opinions are really valuable and I'm sure this thread may be helpful for other people who may at some point find themselves in similar situations. So very grateful. All my health issues still apply today. On some days with the Chronic Fatigue, I can't even get out of bed I'm only in my 30's! It's just that I've begun to stop hiding my head in a ho
  6. Well we're already beginning to put the formal complaint letter together so if I get some stronger support documents via social worker and local councillor then hopefully the Council should take more notice and will have to at least put something in writing in return. I should think they would have to have all their facts straight when they respond rather then settling for info via some Council Tax Call centre woman. Cheers
  7. Thanks Talksense, yours is a valuable perspective to have so hope you don't mind me asking a few questions? I have a family member who has looked up some information (and is helping me write the suggested letter and forum posts!! ) but I know you're suggesting to speak directly to the balliffs. Anyway he's just found Newlyn PLC's own code of practice regarding vunerable people which it says include those with: serious illness, mental impairment, physical disabilities and severe financial difficulties. He says, according to the information, 'where a debtor falls into a vunerable perso
  8. Great thanks. I'm starting to build a strong picture of how to respond to this. Admittedly, my social worker (who has been a brilliant support) was a little flustered when the CT worker told her point blank there was no way the debt would be called back because my OH was jointly liable and therefore should just pay the balliffs directly. My SW did say she'd get more advice on the issue but seemed resigned to the inevitability of having to contact the balliffs at some point. but that will just send my stress levels through the roof! But I will get my SW to write that letter veri
  9. Cheers, I appreciate that. The CT woman was practically snorting with derision when my Social worker spoke to her and falling over herself to spout the infamous CT commandment 'thoust must contact the Balliffs'! So okay, my MP is next port of call.
  10. I had a bad few years from 2011 onwards after getting Chronic Fatigue Syndrome (which left me bed bound), and subsequently losing my job, having a child bereavement and all the anxiety and depression that came with all that. Prior to that I had a decent job and my OH and I had divided up the bills accordingly, with me paying Council Tax amongst other things. Unbeknownst to my OH, when the proverbials hit the fan, I just 'switched off' ignored my payment responsibilities (hiding bills etc ) until things got out of hand and the CT bill got passed first to Newlyn PLC. Long story short
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