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    • have a good read in the debt selfhelp forum. its easy to do a self managed one..only on the debts you find ARE enforceable mind..
    • If the legendary dx could offer his wisdom it would be greatly appreciated 
    • Hi there Manager for our soccer sixes team moved overseas mid season and we struggled for numbers so we told the ref about 5 weeks prior to seasons end that we would see out these games then be done and he told us he’d ’pass the message on to the relevant people’. Heard nothing, then 3 days prior to the new season beginning we were given our fixture for that weekend. Told the guy over text we had pulled out and the ref should’ve passed a message on but we were told sufficient notice wasn’t given and it needed to be in writing. I argued it’s not our fault the ref didn’t do as he said but we were countered by the T&Cs.    now being chased for what was £608 kindly reduced to £476 to pay off remainder of the season. Been sent a letter in the post from their accountancy team and told needs to be paid by Friday.   seen a lot of the other threads saying we can literally just ignore everything but im concerned about debt collections and credit score being harmed. Can anyone confirm if this all works/what we should do?   thanks
    • Hi,   I have given an official police witness statement for the prosecution in an upcoming criminal court case, and I am very anxious about what might happen.  Specifically regarding being cross-examined.  My statement is very short, and only a couple of paragraphs long, regarding a conversation I had with one of the victims.  I have tried to research online about what information about me the defence barrister might be able to find and use to discredit me.  I have by no means have a shady past but, I am concerned about what private information might be brought up, and as this is a case that will be in the national press as it is in the public interest.  The two preliminary hearings were reported in the papers.   I have tried to research  online what information the opposition can seek, but it is all very complicated.  I believe that they can legally access public records, but I'm not sure what information public records hold.  Can they access my medical records, educational history, HMRC, and Department for Work and Pensions? (I am a self employed sole trader).  I was arrested once, and this was unfortunately instigated by the victim in this case, so could well be of interest to them.  It resulted in no further action, however I have only discovered this week that that, in fact, this means I have a criminal record, and will be so until I am 100 (no chance)! This has really annoyed me to say the least, especially since I asked him afterwards why he rang the police and he said 'for a laugh'.  So I have started to look into applying for it to be deleted, but again, if anyone has any advice on this I would be appreciative. At the moment, my name isn't on the confirmed list to give evidence, but the detective I have been dealing with has said it is 'likely'. The names of the victims in this case will not be allowed to be reported, are witnesses fair game for the press? I really need no know how deep they can delve in to my life so I am prepared if my character gets assassinated in front of the nation. I really wish I'd never agreed to this.   Many thanks
    • A belated thanks dx. Yes I may take your advice regarding StepChange. I am finding that I am telling them (on behalf of my Son) the true balances outstanding? They never seem to check properly in which worries me. If I was to take on myself is there another way of dealing with various debts? I have already submitted other IRL complaints on his behalf. Today I have received a further response from Quidie T/A Fernovo confirming that they will waiver all interest paid.
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      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
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Council Tax Issues - Trying to pay arrears but told no have to be taken to court!!!!!


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I contacted my local council today to sort out my outstanding council tax (which to be honest hasnt been paid!) I was trying to set up a dd and arrange to pay the outstanding balance in installments. I was told that this is not possible at the end of a council tax year as we are due a new bill and my only option is to pay in full - not an option! or to wait until they take me to court to set up an arrangement.

 

I find this horrendous, I am the first to admit it is my fault it has not been paid but to actually refuse me a payment arrangement without a court order (and the chance to add on charges for the privalege) seems completely unfair. Has anyone else had similar experience and how did you go about sorting it out?

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They do need to have a liability order before they can make an official arrangement but there is nothing stopping you from starting to pay it now before the LO is issued. If it's not paid off by the date they've asked then a LO will still be issued but the amount you owe will be less.

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use the details on the back of the bill and pay by internet banking

they cannotrefuse it that way

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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It is Swindon Borough Council so not far from Bristol. I do intend to make payments to get the debt down before it goes that far. But still find it horrifying that people who are willing to make up their payments are in effect being penalised. Ok I know I should have paid before now, but do want to sort this out and it really annoys me!

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dx has a point about paying directly. I've been paying mine weekly since late last year by internet banking. (My arrears were created in November last year by a recalculation - and overpayment of CTB across a period of 18 months totalling around £240). My arrears are now £90 - but they still insist on me paying it by the end of the Financial Year or have a liability order! If you phone them - they can put your account "on hold" for a month, but after this they continue the recovery process even if you are paying regularly. Having said that - if you are paying and continue to pay regularly - even if they get the LO, you should be OK as long as you keep up the payments until it's cleared. In my personal experience - they only get really pedantic and heavy when they get nothing at all!

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Its those added court costs that really wind me up! They make a fortune every year out of the tax payer and for what!!!! The added charges are just IMHO another [problem] to make more money out of us!

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  • 2 weeks later...

I'm currently in the same boat and at a loss. £350 is currently owed plus a very generous and much welcomed £30 charge for the court summons which has to be paid in full by March 29th

 

I cannot pay them this month as had huge utility bills so called them to explain I'm happy to have it rolled over to the next council tax year but this wasn't an option in their eyes and would be for the courts to decide

 

Where do I stand and what are my options?

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  • 1 month later...

:whoo:Quite a shock when I got home yesterday!!!! Not only had my local council refused to add on my arrears to this years charge, they also forgot to set up my DD for this year!!!! Needless to say I was livid, and I called the helpline (as much help as a wet paperbag!!!) and the fool who answered the phone hung up on me. A few complaint letters later, I have now been told I can indeed add last years charges onto this year and my DD has now been set up accordingly.

 

So anyone wondering if you can do this the simple answer is YES!!! I did write to my local MP's, the Head of Revenues and the Complaints Dept at my local council, but the result was worth it.

 

Now only the issue with the bailiff for a magistrates fine to sort out!

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  • 3 weeks later...

I am having the same problem with Nuneaton & Bedworth Council. I owe them £50 (initialy it was £136 (my fault) reduced this down to £50 and have now been sent a nice letter saying that I am being taken to court and Liability Order will be issued for £70. By the time they issue the LO the debt of £50 will have been paid. Absolute scandal

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