Thanks Guys, went to the council offices yesterday to sort out this years liability, have extended the payments over 11 months. They confirmed that my payment date is the 28th, I queried why I had received the 7 Day notice early?! They advised that the letters are automated and will look into the matter as they agree, letter should not have been received before due date. With regard to the ongoing complaint they have written in response to my MP letter and confirmed that SCS have denied any misconduct and state that SCS Bailiff never threaten 'forced entry' and I called the EA to make payment. Have given them all the evidence showing that Bailiff called me whilst at work, stated dates and times (47 calls in the space of 1 hour from EA to my mobile), included printoff of the threatening texts. stated call times to SCS offices and asked them to listen to the call recording where SCS operator also said they had a warrant to force entry and call time to Police with authorisation to access the 999 recording of my call or transcript She advised that the council has taken the position that SCS acted as instructed and at no time were they aware of the vulnerability of the customer and SCS are trained to ascertain this. My employers and GP have also submitted statements to the council. Was told that this is above the advisers pay grade and to continue to discuss through my MP. Asked that they check the notes on my husband and my file which clearly state my husbands condition, she confirmed that my husbands condition is detailed but is not classed as a vulnerable adult. What constitutes as a vulnerable adult? Council adviser said the she is no qualified to make that determination.

Thanks brassnecked, Am going to the Council Offices on Wednedsya to discuss and apply for Council Tax Reduction, however I think my income will go against me as I earn £23.5k per year and my husband is only entitled to the National Insurance Credit of ESA and no payment. All the online calculators come back with no entitlement other than applying for PIP which we both have done and are awaiting assessment with CAPITAR

Thanks Uncle Bulgaria, My MP has written to the council and Swift regarding they conduct and has also raised a complaint with the Local Government Ombudsman as Sift were working under instruction fro the Council. Have forwarded the letter received yesterday, it's just that they expect £1334 in one month from myself and my husband knowing that I am the only person working and that my income is circa £1400 per month.

Update .... Yesterday received a Default warning from Swansea Council regarding this years council tax (2017-2018). They are demanding £124 payment (1st payment within 7 days) or they will pursue court proceedings in respect of this years liability. How can they act in such a way that is causing more harm to myself and my husband?! They got £1210 by force at the beginning of the month, I have had to rely on a food bank just to feed us this month as they have left me with no money to pay other essential bills and now they are threatening to take this years liability to court when it's not even the end of the month?! Am going to go and see them on Wednesday but any advice on how I deal with this would be much appreciated.

So keep the information to myself till I get the results of the SARS request and if it turns out that the dealership hid GAP and RCI failed to disclose then take it up with FOS?

Thanks DX, I have a sneaking suspicion that the missing £399 is GAP insurance as it was offered to me in 2014 when I signed for the car but declined to take it as the car was 2 Years old at the time of purchase. Have sent a SARS request to RCI to confirm my suspicions. If it is in fact GAP then what are my options as I have no paperwork relating to GAP insurance and there is nothing in the Pre Contract or Agreement other than the discrepancy between the sales invoice and the amount financed. Looking at the leaflet that was supplied 3 Years GAP was £399.00 and 1 Year GAP was £310.00, hence why I have a sneaking suspicion that GAP was added to the Finance amount without my knowledge. Is it worth my phoning to see if dealerlship or RCI will email with their Sales Invoice to ascertain this information more quickly?

Thank DX, Anglia UK suggest a NWNF sol to take a look into it

Hi Dx, When did I say I was cancelling the whole deal? I said the following in post 10 Update.. Guy from Anglia UK came this afternoon. Got to say the guy was a true gent and understood my pedictament and could not believe RCi behavior especially as he was sent to get me to voluntarily surrender the vehicle and waiver my rights. I gave him copies of the letters sent to RCI stating that I will not give up possession without a court order. He advised that I make sure the car is on private property as RCI may push their luck. He went through my HP agreement and explained my rights, he was ex police and had his fair share of dealings with unscrupulous Creditors. Will have to post up my Agreements and other Documents on Monday as he noticed an issue with my HP agreement. The values don't match the sales invoice. The values on the HP are more than the sales invoice I.e the part ex of my previous car has not been deducted. Also the default notice has incorrect amounts I.e payments etc What can i do regarding the incorrect amounts on the agreement as this would make the interest and total to pay less than what I am paying? The guy from Anglia also suggested getting a no win no fee sol to look at the documents also. Is this worth doing as I have legal cover with my home and car insuranceicon? Thanks for all your help so far, very much appreciated �� That's why I posted up the documents and question regarding the mis-matched figures on the HP agreement.

Ah Ok Dx, with regard to the difference of figures from Sales Invoice, Pre Contract and Credit Agreement where would I stand with that and RCI?

Hi Dx, What do you mean repo fee? I still have the vehicle, no repossession has taken place.

Hi Guys, Attached are the copies of all documents received to date, I have high-lighted the relevant areas: The 1st page is my original sales invoice for £7425.00 (£7825 - £400.00 part ex) On the 2nd page is my pre contract information: Total Amount of credit £7824.00, Total to Pay £10643.48, Cash Price £8224.00 . There are 2 interest rates of 15.14% and 17.28% not sure which one is applicable On Page 5 is my HP Agreement: Total cash price for goods £8224.00 less cash deposit / part ex £400.00 Amount of Credit £7824.00 plus Interest 2472.48 Finance Facility Fee £198.00 Option to purchase £149.00 Total Charge for credit £2819.48 Total Amount Payable £11043.48 My observations so far are as follows: The Cash Price for the vehicle should have been £7825.00 not £8224.00 and after Part Ex £400.00 should be £7425.00 not £7824.00 The Pre-Contract states Total to Pay £10643.48 however the Agreement states Total to Pay £11043.48 By using a loan calculator 7425.00 at 15.14% APR over 4 Years is £9765.25, Interest 2340.25 plus £198 (Finance Fee) and £149.00 (Option to Purchase) comes to £10,112.25 & 7425.00 at 17.28% APR over 4 Years is £10111.98, Interest 2686.98 plus £198 (Finance Fee) and £149.00 (Option to Purchase) comes to £10,458.98 My question is what was the total amount of Finance was it £10643.48, 11,043.48, 10,112.25 or £10.458.98? On Page 11 is my Default notice for the arrears of £858.04 and Page 12 shows the breakdown and 1/3rd clause: Total amount payable £11,043.48 Total amount that you have paid £6247.26 Less rebate allowable* £376.16 Total amount to be paid £4420.06 However on the 6th October I received the last page accepting my post termination agreement Outstanding Balance £4,504.71 to be paid in £240.00 installments. The Outstanding balance has increased by £84.65. No breakdown provided as to how they arrived at this amount. I have paid 5 payment of £240.00 equaling £1200.00 my understanding is that my outstanding balance £3304.71 however I have been advised that the balance is £3156.58 by Anglia UK. Hope this isn't information overload, but there seems to me and to Anglia UK that there are a number of errors in the HP agreement and tbh I'm am now unsure as to what the amount of credit was and what is actually remaining to pay. RCIInvoice2PostTerm.pdf

Thanks guys. Feel really stupid for allowing them to extort money from me, but at the time was terrified for my husband and the dogs. I totally believed what was being threatened and with it being a rental property was in fear of them forcing entry and having to explain to my landlord. Met with my local mp today and he is disgusted by the actions of the bailiff and council and is writing to both parties in formal complaint. He is also going to sort a reduction in Council Tax in light of my situation and apply for a refund of all bailiff charges etc He has also arranged for the police to take a statement and requested details of the dog handling unit. Will keep you updated. P Need to draft letters to Swift and council myself over the weekend to support the mps letters.

That would be great. Thanks dx Will upload the documents on Monday when I'm back in work

Update.. Guy from Anglia UK came this afternoon. Got to say the guy was a true gent and understood my pedictament and could not believe RCi behavior especially as he was sent to get me to voluntarily surrender the vehicle and waiver my rights. I gave him copies of the letters sent to RCI stating that I will not give up possession without a court order. He advised that I make sure the car is on private property as RCI may push their luck. He went through my HP agreement and explained my rights, he was ex police and had his fair share of dealings with unscrupulous Creditors. Will have to post up my Agreements and other Documents on Monday as he noticed an issue with my HP agreement. The values don't match the sales invoice. The values on the HP are more than the sales invoice I.e the part ex of my previous car has not been deducted. Also the default notice has incorrect amounts I.e payments etc What can i do regarding the incorrect amounts on the agreement as this would make the interest and total to pay less than what I am paying? The guy from Anglia also suggested getting a no win no fee sol to look at the documents also. Is this worth doing as I have legal cover with my home and car insurance? Thanks for all your help so far, very much appreciated

Hi Bailiff Advice, No this was the first time and I've never had previous dealing's with Bailiffs before this.

Hi Bailiff Advice, The debt was only for Council Tax, one in my name for my previous property for £76 and £75 compliance fee, and the 2nd for myself and my husbands current property for £659 plus £75 compliance fee and an enforcement fee of £325.00. The letters from the company arrived 2 days after the incident with the bailiff detailing the enforcement amounts

Hi Guys, Went through my paperwork last night and it states on the Default Notice and Termination notice that I have paid over 1/3rd of the total payable and therefore they may not take possession of the vehicle without a court order and that if they do they would repay all payments made in such event. Feel alot better about the situation today and can show Anglia UK today that this is clearly stated on the documentation received from RCI.

The gate was bolted on the inside they would have had to climb over and unbolt the gate from the inside. It's Swansea brassnecked.

Hi guys, Thank you all for your replies. The dogs were behind a bolted gate at the rear of the property, my husband out them out after I rang to advise that there were people out there and the police would be there to help. The dogs are a king Charles spinal, Yorkie, dashound, and a miniature schnozer. Have a meeting with my local MP this afternoon and am awaiting a callback from the Head of Finance at the council. The company was Swift Credit Services, have complained to them about the way the enforcement officer behaved but they just said that I needed to take it up with the enforcement officer.

Thanks for your reply unclebulgaria, I will write a letter to the council over the weekend regarding the matter and will also write to my local mp. I contact the police during the ordeal and was told that it was a civil matter and they would and could not get involved. However they offered to attend the premises due to my husbands disability to reassure him but the bailiff kept pushing me for payment over the phone and refused any payment plan offer etc.

Thanks dx100uk, will move the car until resolved. Does the consumer credit act remain in force even though they issued the default notice and in effect terminated my agreement? Sorry if it's a silly question, am just really stressed out with the situation and my health is suffering badly.

Thank you dx100uk, my car is usually parked in the resident bay owned by the landlord of my property. Should I moved it away from the property? I have copies of the original letters sent on the 3rd April to RCI and the signature part from royal mail, will refrain from discussing anything further over the phone. I have paid just over 2/3rds of the agreemnt only 12 months left. I will scan the agreement tonight as I am at work at present. Thank you again for your quick response.

I fell into arrears with council tax after myself and my husband were made redundant and I was forced to take a new job at a significant pay cut and my husbands health deteriorate to a point where he has been unemployed for the last year. On the 29th March I received a phone call from a Bailiff who informed me that he was at my home with a locksmith the force entry on my rent property to seize goods. The bailiff was acting for the council in regard to a council tax arrears of £1210.00. My husband was at the property and suffers from mental health issues with my 4 dogs and no one had knocked the door. I explained to the bailiff that my husband was at the property with the dogs and his health condition, however I was told to make the payment or they would force entry. I explained that there was no way I could just simply come up with £1210.00 and he send they would force entry and start removing goods. I asked why I had not been notified of the action and he stated that they had sent letters 3 days prior. He then told me I had 10 minutes to find the money or action would be taken. I was in a state suffering from stress and depression myself. Whilst on the phone to my employer to see if work could assist I received over 20 missed calls from the bailiff and text messages such as 'Are the dogs dangerous?' 'Where going in, times up' etc. To cut the story short the company I work for raised the £1210 to pay the bailiff, which has left me seriously in debt to my employers and now completely unable to feed myself or my husband and meet monthly bills this month. It was only at this time that I was then told that a dog handling unit had gained entry to the rear garden and seized my dogs and I would have to collect them. I picked my dogs up that evening but however was taken seriously ill at home with anxiety and rush to hospital. My questions are: * Was the Bailiff in his right to a) force entry b) seize my dogs from an enclosed garden where they posed no danger * I received no communication regarding the visit and only have the bailiff's word that letters had been issued 3 days prior * I still have not received a receipt for the payments, should I contact the council or company to request my receipts?

I took out a car on finance from RCI in May 2014 and made regular payments of £214 to RCI. Myself and my husband were both made redundant in February 2016, I subsequently managed to find a new job quickly, however my husband's health rapidly deteriorated and has been out of work since. In September 2016 I was issued a Default Notice from RCI and I made a post term agreement to pay £240 a month until May 2018 which was the original end date of the finance. I have struggled upto this month to maintain the payments as we rely on the vehicle to get back and forth hospital appointments and for me for work. However this month I have been unable to pay the required £240 and received a phone call 2 days later from RCI to ascertain why payment had not been received. I explain that I had sent them a letter and email stating that I was experiencing difficulties maintaining the payments and proposed a revised payment plan (They have denied receiving either). I explained my circumstances to the caller and my payment proposal and was told that they would call me back. A few hours later I received a phone call to state that they would send an agent to collect the vehicle and my proposal had been rejected. I asked if I could speak to someone to discuss payment and was told that there was no other options left to me. On Thursday last week Anglia UK rep posted a letter through my door whilst I was at work and my husband was there requesting I make an appointment to discuss my agreement with RCI. I call Anglia on Tuesday of this week and explained the call with RCI and their response. Also over the weekend my step-father has reach the final days of COPD and I have been spliting my time between work, caring for my husband and visit my step-father in his last days. The agent from Anglia was very understanding and suggested I go back to RCI and explain the situation. I have spoken to RCI again today and again was told there was no room for negotiation and that I was to surrender the vehicle to Anglia UK on Friday at 2pm. My question is can RCI repossesses my vehicle without a court order? Do I have to return my vehicle to Anglia UK tomorrow? Sorry for the long post, am at the end of my nerves atm with everything that's going on atm