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    • As one of you mentioned above I've been in a mess for nearly 20 years now and I'm ready to sort my credit report out now - the main reason I got into second round of debt is my kids being unwell and the state considering them not unwell enough for extra help so despite my son being in hospital for 3 months in one year we got extra zero help and I eventually lost my job and got into debt to just so I can be تا my sons hospital bed at his time of need - my life basically fell apart and all these debts got me again 
    • Gosh mate I've woke up this morning with half the worry I had last night when going to sleep!.  I can't believe how much this forum has helped me over the years and I don't  have the words to explain the gratitude I feel towards you guys -  Now that I've slept on it I feel ready to reject this company and my plan is to make them an offer to accept payments to date as full and final settlement - I will I think write them a letter once my review is completed or maybe just send it now whilst they are reviewing explaining my kids are unwell for which reason I'm struggling to survive and if I can politely request for them to accept payment to date as a full and final - I'll mention I don't have any cash or anyone to borrow from to offer a full or even part amount of the remaining balance of the iva and therfore am unable to make a offer of payment.   If they agree to at least even put my offer to the creditors then I feel it's better I hang in there and that way I won't have to deal with any possibilities of more defaults and ccjs    Right now the only adverse effects on my credit report are the iva that is now 3 years old and 2 Ccj one coming of this July and one thus October.    But I am worried new action will begin and new defaults and Ccj may start to appear because I've paying into an agreement im under the impression the 6 year rules starts again so yes I have lost of mixed feelings about this but I'm not going to lie you guys have put some life back into my breath this week as for the last 3 years I've felt caged like an animal and this morning I feel freer I can't explain how much but certainly my soul feel lighter today thanks to yin because I'm now viewing this review totally different to I do yesterday thanks to you guys 
    • Court name UNKNOWN Case number ********** Amount N/A Confirmed by Insolvency Service Date issued May 2021 Type Voluntary Arrangement Notes If you have questions about voluntary arrangements you should speak to the Insolvency Service.     I started this in 2021. So it's been about 3 years I've been paying. 
    • Thanks @lookinforinfo@Nicky Boyi sent across the agreement earlier in this thread. No mention of financial reward to the MA. But, I wouldn't be surprised if it was done on the sly. As I said earlier, the owner of OPS is a convicted criminal, with a very shady reputation around these parts.
    • The average high street easy-access account pays 1.7% interest - but savers could earn 5% if they moved their money elsewhere. We look at which banks have the top rates.View the full article
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Council playing dirty. Can i stop them?


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Hope someone can help with this.

 

My partner has a council tax bill from her previous property she lived in which was over 3 years ago.

The council have been in touch and wanted it paid, which is fine.

 

I set up a payment plan with them over the phone for £10 a month until we are a bit better of then we will up the payments.

 

I received a letter from them saying they accept the arrangement and could i send them details of partners work and any benefits we get which i did. I also put at the bottom of the letter

 

The details above are given in good faith and are to be used as reference only and not to be passed on to any third party or used for any other reason than to check against the details provided on the income and expenditure form which has been returned to you.

 

By reading the above you agree to the terms that the details are provided upon and they will not be used for any other purpose.

Not sure if that stands for anything but i look at it as the same thing as filling in an online form and being asked to tick a box to say you do not want them to pass your details onto any third party.

 

This morning we have received another letter thanking us for the details and saying -

 

I confirm receipt of your letter with employement details.

The terms of a liability order allow for an attachment to earnings order.

The payment for £10 a month is not acceptable, the minimum, as advised previously is £20 a month.

To prevent further recovery action being taken contact us.

Now, i have the letter here saying they will agree to continue the £10 a month yet now they have employement details they want to up it or do an attachment to earnings.

 

Can they do this and did my little note on the bottom of the letter i sent them stand up for anything or was it just wishfull thinking..

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Councils are renowned for putting on attachment of earnings orders for CT arrears, do not ignore them as they will do it, try negotiating at say 15.00 per week, they do ask for more whatever you offer but make sure you keep to the payments.

If I have been of any help, please click on my star and let me know, thank you.

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We cant do any more at the moment. !0 a month is the best we can manage. My partner has just gone back to work after being on SSP for the last 4 months and only been back 2 days. We have other bills to try and catch up on yet.

 

As they agreed to the £10 a month payment in writing can they now go back on it even though they have said it was ok?

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As they agreed to the £10 a month payment in writing can they now go back on it even though they have said it was ok?

 

Legally, yes. Nowhere in Council Tax regulations does it state that a payment arrangement is an option , any arrangement is at the councils discretion.

 

 

 

I received a letter from them saying they accept the arrangement and could i send them details of partners work and any benefits we get which i did. I also put at the bottom of the letter

 

It appears that they haven't accepted your terms and you haven't accepted theirs. If you wish to push the issue then they can ignore what you provided and instruct a bailiff or issue an Attachment of Earnings Order.

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They accepted the arrangement over the phone and then send me a letter confirming it so i can't see how they can go back on it so easy.

 

It seems you're not being helped much here by more sources than one......if you have evidence that your council entered an arrangement, I'd say pursue this with your local authority and don't be put off by the negative comments.

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Yes, i think a letter from them with it in writing is evidence enough.

 

I've emailed them stating i'm not happy with the way they have decided to change it and how they have asked me to provide details of my partners employment under false pretences as they said in the letter it was just for information but now they have they details they have said up your payment or further recorvery action will be taken or an attachment to earnings.

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Well after sending them an email stating i was not happy with the way they gained details from us and trying to use them as scare tacticts to be used for other options of collection they have decided that my offer of £15 a month is ok for now. Don't think they realise that some people wont just roll over and play dead for them and we all have a voice to shout back at them with.

 

They did ask in there reply email about my income as they stated the IE form i filled out did not have that on it and it should have been a household income, i only put my partners as its he council tax from before we met.

I've told them it has nothing to do with me or my income as it was before my time and the fact at the moment i'm not working so there would be nothing else to add to the IE form.

 

There reply was the same again, they accept the £15 a month and will review it again at a later date to see if anything has changed.

 

I take it i was rite that as its counicl tax from before we met its nothing to do with me or my personal income?

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