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Help Needed _ Charles Anderson Please Help


boh_girl
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hi there please please help,

i recently started paying £213 a month to these people due to a council tax arrears account - i forgot to take in my pay slip and now they are arresting my wages at £157 a month on top of the £213 - the second amount is due to another years account of the council tax - i cannot afford this especially at this time of the year - my question is - what would happen if i stopped paying the original £213 - can they arrest my wages twice in the same month? Would they come to my door to take my stuff - i have two kids and christmas is coming up i am also trying to pay off my bankruptcy at £145 a month - this does not include my £350 rent or electricity and where do i get money for food - i am really worried sick about this could someone please advise me???????? i want to correct all my debt but i feel i am going down a slippery slope back into it all - just because i am trying to do the right thing please please help

Boh_girl

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Thanks For That But Kinda Need A Wee Bit More Advice Than That - Its Coming Up To Christmas And I Need This Sorted Before I Get Paid And Have No Money To Give My Sons A Good Christmas - I Need Genuine Help Please !!!!!!!!

Boh_girl

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Hiya,

 

the wages arrestments is based on your wages so you wouldn't need to pay any more than that has been taken - page 63

 

http://www.aib.gov.uk/Resource/Doc/4/0000460.pdf

 

it is the maximum thay can take at any one time so if you were to get another it would either be entered after this one is completed or split

 

also if these sums are not included in your BK you can ask the trustee for a review in which your payments may be lowered

 

ida x

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also if you receive a charge for payment in the future you can apply for a time to pay order via the issuing court

 

ida x

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they won't appear as you have a wages arressment in place.

 

if any futher accounts come in throught the post i.e a demand or charge for payment come back here for more advice

 

 

reemeber you should only be paying the wages arressment and that is what the court has stated that is all you need to pay

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thankyou so much - the aib already know how much charles anderson were wanting from me - i have told them - but this is a council tax matter which is completly different these arrears arose after i went bankrupt - i feel so much lighter now lol thankyou

i really want to sort the debt out and felt i was not gonna be able to - now i can

boh-girl

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  • 2 weeks later...

another question - apparently now the likely scenario is that my bank will be arrested - i know that they arrest it through some sort of circular sent to certain banks, but not all banks receive it could you tell me which ones do or dont kinda - concerned that my only pay before xmas is gonna be taken now!!!!!!!!!

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who is arresting your bank account? if this is the one where the wages arrestment already is in place then the shouldn't be arresting your bank account unless they think there are loads of money there.

 

did you get this in wriiting?

 

Ida x

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yeah it was sent that i would either be getting a wage arresment - a bank arrestment or a sale of auction - i spoke to a woman at the debt advice place and she said they would do the sale of auction - apparently they dont have balliffs in scotland and it would cost too much to do it - so it would probably be the bank arrestment - its the sheriff officers in glasgow charles anderson thats doing it - and they are already arresting my wages - she advised me to get my wages paid into a post office account (which i dont have) and that its only certai bank that get this notice and i wont know what day they will do it!

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Unfortunaley I don't know.

 

Thee can only arrest if it's over £370

http://www.consumeractiongroup.co.uk/forum/dealing-debt-scotland/229284-advice-arrestment.html

 

but i cannot see why they are doing both.

 

have you spoken to CA?

 

ida x

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I think it may be a "global arrestment" that the Sheriff Officers are applying for. They will serve the arrestment on all the major banks in the off chance that there is an account with one of them.

 

The reason that they are using both a wages and a bank arrestment could be that there are Council Tax debts for more than one year i.e. more than one warrant. They would not conjoin on to a wages arrestment as the amount coming in would not change but merely be split between the two debts. Therefore it is probable that they are trying for the bank arrestment as an alternative source of income.

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