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    • My debt with AMEX is £5243.17.   20 years old.   Today i received a letter from AMEX stating the following.   NOTICE OF REFERRAL TO EXTERNAL COLLECTION AGENCY   The account has been CANCELLED and all amounts outstanding on the account are now payable in full. Your account  has been transferred to an external collection agency  NCO   NCO will be responsible for collecting the outstanding amount on behalf of AMEX   Could you please offer me any advice on how to proceed.      
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Worried09

Council Tax arrears - please help

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Hello,

 

I have been renting an apartment for about 2.5 years which my sister has been living in whilst I have been working abroad.

 

No council tax has been paid on the property to date and I have just had a call from the council (Salford) saying I owe them £2400 which has been passed back to them by bailiffs.

 

I briefly explained to them over the phone that I will pay the money but in installments, to which they said they would send out a questionairre.

 

I presume that the questionairre is going to ask for my employment details, NI number, employers contact details etc.

 

I want to pay the money back with a direct debit of £75 a month and I will pay installments of around £500 every 3 months however i do not want my employer to know anything about this.

 

Will they agree to the payment plan?

 

Will they negotiate with me without employment details?

 

Will they contact my employer?

 

Please help.

 

Thankyou

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If this has been passed back to them by bailiffs, then it must have gone to court and a liability order granted.

 

You should have notice of going and notification of the liability order after.

 

They will accept the instalments, but if you should default, they will use another method of collection, so don't over-reach yourself and agree to a payment you might not be able to keep to.

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