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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
** NOTE - This thread is copied to the transport forum as well, for maximum coverage ** a friend that stayed at my house a few years ago has just had a letter to my house via royal mail in an unsealed envelope for a mags fine for travelling on a train without the correct ticket from the time he was stopping here. it says if no contact is made they will register the account in the register of judgments , orders and fines (affecting your ability to obtain credit my friend is panicking because he is in the process of obtaining a mortgage can they do this
I have been getting debt letters re the above for the past 3 years for a debt I know nothing about, there is nothing on my credit report, and all I can imagine it relates to is something from 19 years ago, which I am sure I settled before moving to my current hour 10 years ago debt free. I sent them a CCA request 2 weeks ago, and received the following response; We refer to your request for documentation relating to the above account. As we previously advised, AK is not in possession of the documents and we therefore put forward the request to the original creditor. Unfortunately we have been advised by the OC, that the documentation is not available at this time and we apologise for being unable to fulfil your request. Please be aware that whilst, at this stage we cannot provide the documents, you have asked for, this position could change in the future at which point we will of course contact you further and supply copies to you. We appreciate this may not be the response you hoped for, however if you were to confirm the reasons the documents were required we may be able to assist you further or alternatively consider your proposals. Your account will shortly be returned to our collections department. you will then be able to arrange a payment plan and benefit from our incentive programme called new deal. new deal enables you to access benefits that reduce the amount you owe. You may also be able to take advantage of our loyalty schem called AK Plus which enables you to accrue additonalo money from the payments you make. This is put to one side for you in your new deal account and can be used towards settling your debt. Yours sincerely Mr "I think you must be very gullible" Cretin So OK, they think I am really stupid to pay them money for something I don't even know what its for. Nothing has been on my credit report similar to the amount they say I owe for at least the past 10 years I have been obtaining my credit report. Do I need to write back to them, as it sounds like they are still going to pursue? Also just a question aside, if I sent them the £1 and they don't have the paperwork, shouldn't they have returned my fee? Thank you
Hello my partner and I have a direct debit with Comet for a fixed term loan we have received a statement today and it has something called a Sal Fin Int Charge. We have read through the contract/information and it does not mention anything about this charge we have not missed any payments and they have all been paid on time so what is this extra charge and why are they adding it to the existing balance every time that there is a transaction can someone please explain what this Sal Fin Int Charge is any information would be appreciated as we are confused to what it is and why it has been added. Thank You