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    • Feeling tempted to cancel it now but scared that some of the debts will do more Ccj on me and I'll have to wait 6 years again.  2 of the Ccj come of this year and then I'll only have the iva in credit file - so effectivly if I'd have not took out the iva I 2021 I'd have clear score by now - but then again would I because I would have been hounded the last 3 years so as bad as it is it's saves me lots of headaches whilst my debt was still within the 6 year mark.  I think most of them are near there but in all honesty no point chasing them if I do cancel iva I'd jjst wait for the ones who contact me and then start the relevant letter process on them.  Of over 6 years easy if not still possible to write off.    My true victory would be having the iva wiped off my credit file as misold or something that way I. Don't have to wait till 2027 Other option is to fight back and ask for them to offer the creditors to accept payments so far and use the following method    Will your IVA firm agree to complete your IVA on the basic of funds paid to date? The Guidance lists a lot of factors to be considered in deciding whether a settlement on the basis of funds paid to date should be proposed. You should read the list. But that may not give you any feel for whether they apply to you or not. The following are my thoughts on when an IVA should be treated as settled, not failed. They assume that you have £75 or less to pay a month: if you would currently qualify for a Debt Relief Order, then your IVA should be settled now  There is no point in making your IVA fail and you have to apply for a DRO – it will not generate another penny for your creditors. If you are renting and owe less than £50,000, check the DRO criteria now and talk to National Debtline on 0808 808 4000 about whether you qualify. You may have been told at the start of your IVA that you aren’t eligible – still check now as the DRO criteria have changed, your situation has got worse, and some people were given incorrect information about DROs at the start. if you have no assets that would be realised in bankruptcy (eg a house with equity, car worth over £2000), then your IVA should be settled now Same as (1), there is no point in making you apply for bankruptcy after your IVA fails. if your only asset is a car that is worth less than £8000, then your IVA should be settled now A car that is worth say £5000 would normally be sold in bankruptcy and you would be given a small amount to buy a cheaper car. But your creditors would not get any benefit from this as the Insolvency Service takes the first £8000 raised to cover its own costs. if you have significant assets, the closer you are to the end of the IVA, the less reasonable it is to fail it If you have been paying your IVA for 4 years, you have done your best over a long period. It isn’t your fault you can no longer continue. The fact you may have had equity to release isn’t relevant as that simply isn’t going to be possible. if your situation will clearly improve soon, then it’s unlikely your IVA will be settled I mean real improvements, not hoping that prices fall. If I can get them to accept payment to date or threaten with cancellation hopefully they may accept it -    Other option is to try and borrow money and pay make a full and final offer    Or I can just ignore and hope for the best which I'm very tempted to do especially if they respond to my review with bullying tactics despite me being skint as a fart with no mortgage as renting    It's so stressful but I've just checked the iva agreement from 2021 and it's Cabot 2 account Lowel about 5 accounts and then lots of repeats of the same debt with for example zopa and Cabot same amount listed twice -  also loyyds banks but I'm sure that's older than 6 years and not on credit file anyway    If I can somehow remove the iva from my creitt file I'd be happy   
    • Sorry I meant credit fix - I really wish I'd known this before - kicking myself right now  If they come back to me asking for more money I'll cancel it and start trying to deal with the debt myself let's see what they say 
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I'm basically telling you my plan of action to see if I've understood the dos and don'ts from browsing these forums for a while, please respond if I'm missing anything.

 

OK they've had their 2nd visit and say they're coming round to levy goods within 5 days. I believe they can't break and enter as if they did they'd be breaking the law. We have had no correspondence with them, ignoring the door on both times. This is correct right?

 

I plan to send the bailiffs a letter telling them that I know my rights and that I am commencing payments of £25 a month to the council tax offices, but not to them. I do not want to pay bailiffs any money, but do want to settle the £580 debt with the council tax office instead (which works out at £25 a month over 2 years).

 

This isn't my debt, it is my mother's which I had no idea about until we started getting bailiff visits.

 

But yeah I'd like to know if this is a sound plan, I'm trying to get the bailiffs off my back and hand the account back to the council tax office, I know they can't break and enter even though they're threatening to levy goods, and I am not refusing to pay the debt in more than two years to the council tax offices.

 

Anything I'm missing?

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Guest Happy Contrails

 

Anything I'm missing?

 

 

If this your mums liability why is she not paying it? Are you deputising, or acting under a power of attorney?

 

If you have received no correspondence from the council until you received a bailiff then you have lots of recourse. The law requires the council to send you a "final Notice" at your current address or your last known address before instructing a bailiff. If the council fails to comply with the law you can ask the council to take the case back into town hall administration and no bailiffs fees are lawfully due.

 

Regulation 33(1) of the Council Tax (Administration and Enforcement) Regulations 1992

 

 

33.—(1) Subject to paragraph (3), before a billing authority applies for a liability order it shall serve on the person against whom the application is to be made a notice ("final notice"), which is to be in addition to any notice required to be served under Part V, and which is to state every amount in respect of which the authority is to make the application.

 

 

Regulation 34 of the Council Tax (Administration and Enforcement) Regulations 1992

 

 

(2) The application is to be instituted by making complaint to a justice of the peace, and requesting the issue of a summons directed to that person to appear before the court to show why he has not paid the sum which is outstanding.

 

 

The law - Section 7 of the Interpretation Act says

 

 

Where an Act authorises or requires any document to be served by post (whether the expression “serve” or the expression “give” or “send” or any other expression is used) then,unless the contrary intention appears, the service is deemed to be effected by properly addressing, pre-paying and posting a letter containing the document and, unless the contrary is proved, to have been effected at the time at which the letter would be delivered in the ordinary course of post.

 

 

That evidence to the contrary mentioned in the Act is the fact you did not receive a final notice or a summons at your correct address. Instead the council chose to skip over Regulation 33(1) completely and jumped straight to enforcement by instructing a bailiff to attend your mums current address.

 

If you are still fobbed off with excuses by the council, then contact the Local Government Ombudsman. Currently they award £150 as compensation for receiving a bailiff under these exact circumstances. (tweak this as needed for your mum)

 

 

Head of Revenue

Borough Council

Address 1

Address 2

Address 3

Postcode

 

[DATE]

 

Dear Sir/Madam

 

Re: Council tax arrears and your bailiff

 

I write understanding you have instructed a bailiff to collect unpaid council tax from me.

 

Regulations require the council to send me a "final Notice" at my current address or last known address before applying for a liability order and instructing a bailiff. When the council discovers it has failed to comply with the law, it must revoke the liability order and rescind all enforcement action.

 

As you have been able to instruct a bailiff at my current address, this proves the council was aware my last known address and my current address is the same, yet failed to properly comply with Regulations 33(1) and 34(2) of the Council Tax (Administration and Enforcement) Regulations 1992 by sending a final notice and a summons to appear before the court.

 

The law is designed to give the taxpayer an opportunity to pay before the council instructs a bailiff making the taxpayer liable for bailiffs fees prescribed under the Regulations.

 

As the council is now aware of this mistake, I now ask the council resolves this matter straight away by taking the case back into town hall administration immediately, stopping all enforcement action and cancelling all fees charged, and confirm in writing this has been done within seven days of the date of this letter.

 

If the council fails to comply with the above, I will automatically file a written complaint addressed to the Local Government Ombudsman and ask the Local Commissioner to intervene under Section 26 of the Local Government Act 1974 and revoke the liability order and all enforcement action be rescinded. The Local Commission may also ask the Council to pay me compensation.

 

If you may wish to launch an "investigation", this does not delay the complaint being escalated.

 

This letter is delivered by Royal Mail and deem it good service upon you by the ordinary course of post under Section 7 of the Interpretation Act 1978. It now is your responsibility and in your best interests they are handed to the relevant person within your organisation.

 

Yours Faithfully

 

 

[YOUR NAME]

 

 

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Looks good to me HC, as usual.

 

Jamhead,

 

My first thoughts (like HC) relate to the fact that you are dealing with this on behalf of your mother. Is your Mum sick? If so, she may be classed as a vulnerable person, and in which case, it should be very easy to get it brought back under town hall administration.

 

FX

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I'm simply mediating for my mother. She is not really computer literate and has had no experience and no confidence in dealing with bailiffs, so I'm basically handling the administration side for her to make sure everything is in order.

 

Thanks for the comprehensive reply, Happy Contrails, unfortunately they had sent my mother the final notice and court summons as they should but she ignored these with the excuse that she is planning to get a Debt Relief Order. If I had known of this I would have intervened a lot sooner to try and sort out a 2 year payment plan with the CTax offices as opposed to letting it get this far.

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After ignoring Bailiffs for about 4 months, I have just had my CT returned to the Council, and now I am paying them direct.

 

Are you familiar with the best ways of dodging Bailiffs? Doors and windows locked, don't leave things in the garden, or a car registered to your mum outside etc etc. If not holler.

 

They may try illegal charges, and when they do, that should be enough to get it back to Town Hall Admin - what have they charged you so far?

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Yeah I've had experiences with bailiffs before, I know they're pretty powerless as long as they can't get into your property (which they certainly wont!)

 

So far they've charged me around £35 for two visits, the second one obviously to tell me that they'll be coming to levy my goods, so it seems they've been within the guidelines with their charges. They'll probably add a charge again when they come knocking next week to levy :/ but yeah we had no communication with them, as in we ignored the two letters they put through the door for each visit, the only contact we'll be having with the bailiffs is the letter I'm sending tomorrow telling them we'll deal with the debt with the CTax office and not them.

 

Anyway, I'm off to put £1.50 on the Euro lottery to see if I can win that £90,000,000. That would sharp sort out any council tax arrears.

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Without any Levy, the law states they are entitles to £24.50 first visit costs, and £18.00 for second visit.

 

If they do not obtain a levy, and try to charge you anything above the 24.50+18.00, then they are possibly committing an offence under S2 or s4 of the Fraud Act 2006.

 

If they charge you anything above the above charges, I would venture that you have grounds for a serious complaint to your Council for the way their sub-contractors are behaving - and the Council are always responsible for the action of the Bailiffs. Threaten them with LGO and MP and what not, and hopefully you will be able to send the Bailiffs packing and start payign what your mum can afford.

 

Let us know if they try charging you anything - it can be dealt with.

 

Blurred:)

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