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    • This is more than helpful. Thank you so much. I will get the cca done tomorrow and post the reply from them for what to do next. Thank you all again. 
    • 12+2 working days.   a dca can't hurt you credit file any more anyway.   only the original creditor can issue and register a default, on or before the sale of the debt.   what the dca put in the calendar section is immaterial as only you and them can see it it does not extend the 6yrs period whereby the debt shows on your file and after which the 6th defaulted date's birthday causes the whole file to removed regardless to paid or not, paying or not......makes no odds. it still goes, but might still be owed mind, depending upon the contents of the CCA return.   dx  
    • Hello   I agree with dx100uk.   Send them a CCA request which is a request for them to produce the original agreement that gives rise to the debt.  They have a limited amount of time (I think around fifteen days) to send you the document.   Here are the possible follow-ons from that:   1. They don't respond within 15 days and so you are legally entitled to stop paying until they do send a response. 2. They send a letter saying they have gone back to the original creditor to ask for the document and they need more time.  You (legally) stop paying after fifteen days and don't pay them again until they send proof. (This is the most likely first response as they wont have any of your documentation as they bought your debt as part of 1000 others on a spreadsheet on a CD ROM or USB stick). 3. They send you something that looks like a contract or which might be something else that they want you to think is the contract within the time frame.   After either of the above  whatever they send you should be referred back here for an assessment as they will often send you unsigned documents or made up bits of nonsense.  Even if the contract turns out to be the genuine one it still might not be enforceable due to errors made by the creditor at the time of signing.   The only potential downside to the above is that they could try to damage your credit record but probably it is as much damaged as it can be by this debt already so nothing else they can do will make it worse.   Following on from the above you can continue to not pay them.  I would setup an on-line savings account and pay yourself the money instead which has the advantage of creating a resource in case you need to resume payments in the future.   They may send you further letters either inducing you to resume payments by threat or by offering you a deal.  If the document is not valid then the only deal you need to take is the one you unilaterally entered into at T plus 15 days when you agreed with yourself not to pay them another penny.   It is not impossible that they will send you a letter saying the debt is unenforceable (miraculously I have actually seen one!) and asking you to pay anyway which you will of course ignore as you should not be giving any member of this low life industry any encouragement.  
    • I agree and I've no doubt that will happen in the future, but if a court claim is issued and a ccj successfully registered against the debtor then it will never be sb anyway, so are we more likely to see more court claims in the future ?      Can it not work both way though, if the sb date is ultimately aligned to the date of the default notice, essentially giving the creditor 6 years to collect or issue a court claim then regardless of when the debt was last acknowledged / payment made, a debtor could just tell the creditor to eff off after the 6 years is up, figuratively speaking     
    • Received acknowledgement of defence submission from court. VCS now have the option of continuing their claim or not. Watch this space !!!!
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i've recently been having problems regarding an old council tax bill that has now been settled with the council so nothing is in arrears . The problem i am having is that the baliffs are still trying to get me to pay them £186.50 in charges even though there is no outstanding debt is this allowed? What are they legally allowed to claim from me?

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i've recently been having problems regarding an old council tax bill that has now been settled with the council so nothing is in arrears . The problem i am having is that the baliffs are still trying to get me to pay them £186.50 in charges even though there is no outstanding debt is this allowed? What are they legally allowed to claim from me?

 

Hi Whipsey

 

Rossendales hmmmm, they dig in their heels especially Les Holbourn (cheap as chips).

I had the same problem a few month ago, I simply called my local authority and spoke to the manager of the correct department, then I explained the whole situation, I insisted that she got in touch with the bailiff and that she deals with it, I called her a few hrs later and 'bingo' she had sorted it.

 

Good Luck

 

Mr W


Regards..Mr Worried :)

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1st visit fee £24.40

2nd visit Fee £18

 

and possibly walking possession fee £12

levy fee

van fee

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they have made a fair few visits but never actually knocked onthe door its normally a case of post a letter then leg it

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they can only charge for 2 visits £42.50 in total

I take they have never been in your house

have the left you a NOTICE OF SEIZURE OF GOOD AND INVENTORY

 

bailiffs are very good at doing a levy on any car outside a house and charging a walking possession fee levy fee and a van fee

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never been inside the house i've got a mobile number for the baliff do you think i should phone him and ask for a breakdown of there charges in writing?

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they have made a fair few visits but never actually knocked onthe door its normally a case of post a letter then leg it

 

Hi

Were the problems (debt) to the councill, paid as a result of comms from the bailliff?. or had you settled yr poll tax before the bailliffs started to comm with you?

 

I done some work for a bailliff and he was a proper arse (loved himself)

and he said they will always chase charges even if accts are settled, he also told me they told loads of lies and that he had been bankrupt needless to say when he paid me I made a phone call ..nudge nudge...

 

Mr W


Regards..Mr Worried :)

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it was settled after the baliffs started to communicate

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never been inside the house i've got a mobile number for the baliff do you think i should phone him and ask for a breakdown of there charges in writing?

 

What is his name?...


Regards..Mr Worried :)

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Ive just checked on the hmrc website and he's not certified with rossendales

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e-mail the bailiff company also put it in writing and send recorded delivery

£186.50 there is something wrong if they are trying to charge you that and there ids no walking possession agreement

if you have the bailiffs name check to see if he is certificated

On line search to check if a Bailiff is Certificated

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it was settled after the baliffs started to communicate

 

So are you saying that the visits made you think twice..hence payment followed?

I would asume that there will be something to pay, I would write to them once your happy with the advice you get from her ..( letter anybody) and then contact them dare I say with an offer of payment...


Regards..Mr Worried :)

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whats the e-mail address as its not on the letter i've received

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So are you saying that the visits made you think twice..hence payment followed?

I would asume that there will be something to pay, I would write to them once your happy with the advice you get from her ..( letter anybody) and then contact them dare I say with an offer of payment...

nope i wasn't aware of the arrears until they made contact

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Ive just checked on the hmrc website and he's not certified with rossendales

 

then get on to the council bailiffs can only work for the company they are certificated to unless he is self employed

who does it say he works for

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whats the e-mail address as its not on the letter i've received

 

Try to get it from their web addy


Regards..Mr Worried :)

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it states on the letter that he is the baliff in charge working for rossendales

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who does it say on HMRC web site he works for

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his names not on the hmrc site

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Ministry of Justice Public Register of Bailiffs on 020 3334 6355

then i suggest you phone the above number to confirm he is not a bailiff

 

if he is not then phone the council and tell them Rossendales

are employing people who are not bailiffs to collect council tax arrears if he is not a bailiff then your fees are nil

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would you send me a PRIVATE MESSAGE with his name and the area you live in

i an trying to build a database to see how often there name crops up the area they are collecting in and the company they work for

 

if you don't want to thats OK i understand

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i'll phone in the morning :D

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would you send me a PRIVATE MESSAGE with his name and the area you live in

i an trying to build a database to see how often there name crops up the area they are collecting in and the company they work for

 

if you don't want to thats OK i understand

i'll send a pm with his details once i have the problems sorted out

:)

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right he has reared his ugly head again and threatened my partner that i will be locked up if i don't pay the bill which has now shot up to £261.50 where do i stand?

ive also checked and he is certified

Edited by whipsey

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right i have just sent a message to a mr reed stating that i require a full breakdown of charges in writing as the council tax bill has been paid before they receive any money from me

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