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    • I wonder if anyone can help me. I had a loan with a high street bank from about 10 years ago and I had to stop paying because I lost my job. I reduced my payment to a token payment for a few years but I then ceased this some years ago because I took some advice from an online forum which said that I should ask a ‘Subject Access Report’. I did this and I also asked for a copy of the contract with both signatures which highlighted that myself and the bank had a contract and what its terms were. As the loan was made up of an overdraft and a formal loan I thought they would have paperwork. However, eventually the bank responded by saying that they had no contract and they admitted that as such it was not enforceable in court. Over the last year, the bank have again appointed Moorcroft Debt Recovery Limited to use their strongarm tactics. I have not been responding to the last couple of letters asking me to contact them to arrange a payment plan and now their letters are becoming more threatening. Here is the text of their latest letter……. Quote   We are aware that you have failed to agree an affordable repayment plan with us concerning the above account.   As no agreement has been reached we are now in the process of reviewing your account to consider the steps which may be taken in relation to further debt recovery action. The options include recommending one of the following:   ·         1. Continue in our attempts to contact you by letter and phone. ·         2. Instruct a local representative to arrange to call at your home address to try to re-establish contact with you.   To prevent possible further action you must contact us. Failure to contact us by the 22/10/19 will result in one of the aforementioned debt recovery actions being undertaken without further notice.  Unquote As you can see, they are now getting more threatening. I really do not want people knocking at my door – does anyone have any ideas as to what I can do to sort this situation? I do not want to pay for something that seems unenforceable but I do not want knocks at my door either. Any help would be appreciated.   Kind regards    
    • Yes it was a tomlin/consent order I have a recent statement its not showing any additional charges on it. The statement does not show the balance to pay each month, as the contract was terminated in March 17 and the termination bill was added to the account so my payments reduce the account balance £14262.38  Capital £6995.00 Interest £7213.38 Plus 3 x £18 charges  I presume if it went to court again I would be notified?    I thought court costs and charges could increase a balance owing but not be included in arrears or court proceedings when listing the amount owing, or am I wrong?    
    • Check to see if they are adding monthly charges inflating arrears as per DX.
    • .So I’ve been at the flat for a number of years , you had to be a certain age back then, now all ages and couples with young babies get put here , first floor , no garden not a good area not so bad either .   ive just had a letter to say I’ve been taken off the list to transfer to a more appropriate home ,  no notice just taken off, council are saying my age group no longer qualify.. I spoke to equality and human rights council they suggested I complain siting The Public Sector Equality Act 2010. ( The General Duty and Specific Duty)  relating to age discrimination.      But I’ve also come across this in LAW Quarterly online Mag.    LHA’s allocation scheme suspending applicant’s ability to bid (R (Alemi) v Westminster City Council) The High Court has held that Westminster City Council’s allocation scheme suspending certain applicants from bidding for social housing for 12 months breached section 166A(3) of the HA 1996 (setting out which groups of people should be given reasonable preference when allocating housing).   Interesting i thought?               
    • so you've had a notice of assignment then?   if so that's rare for nasty west to sell it on they typically litigate themselves so I bet the debt is vastly inflated with penalty charges and the interest they attract.   i'd be sending NW an sar get all the statements. then go thru them with a fine toothed comb.   could be £1000's to reclaim....   pers i'd stop paying   what was the original debt amount and what is outstanding now a bit more info on the history please   dx    
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Ok, earlier today I was in a bit of a worry because of this Equita bailiff notification I received due to Council Tax money I owe.

 

I made the mistake of ringing the MOBILE number given on the letter. The guy told me I owed certain amounts which I thought were massively disproportionate. He wanted to pop round mine to 'discuss the debts.' So I decided to leave that, because it felt dodgy.

 

I rang Manchester City Council (whom I had called earlier and they had told me to contact the bailiff, which I'd done, unfortunately) and said I wanted to pay what I owe. I paid the sum to the Council, got my receipt reference number and whatnot. So the KEY debt is out the way.

 

However, I go downstairs (I live in an apartment block) to go to the shop and find a NEW hand delivered letter by the door from the same guy I'd spoken to on the phone before. It reads like this:

 

"BAILIFF REMOVAL

Payment due in full - 24 hours

I have attended today with the intention of removing your goods and chattels as are necessary to discharge the outstanding Council Tax Liability Order and any additional ENFORCEMENT COSTS incurred.

 

No further arrangements are acceptable and payment is required in full in clear funds only.

I will re-attend at your address with immediate effect and may REMOVE goods even in your absense. Should you wish to avoid this distressing course of action, contact me immediately on the telephone number below to arrange prompt payment of your debt.

 

No contact will be taken as your refusal to pay."

 

---

 

I've paid my Council Tax debt now though! What do I owe to to these bailiffs? Phantom visits? The guy didn't even ring my apartment buzzer.

 

What course of action should I take to resolve this?

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They wont be calling to remove any goods a standard letter

 

the debt is paid to the council right thing to do

bailiffs will probably drop off a few more letters before they give up i would not phone bailiff or speak to him at all

 

first visit fee is £24.50 so at most you MAY have to pay that pay it to the council and they can either pay bailiff or knock it off current years CT

 

any liability order is satisfied so bailiffs have nothing to act on


If i have helped in any way hit my star.

any advice given is based on experience and learnt from this site :-)

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If that's true, that's a load off my shoulders. Thanks. I've just been scouring these forums for the last couple hours reading all these horror stories. Hopefully it'll be alright now then. Is the £24.50 the only possible fee I'll have to pay for definite?

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Yes should not be any more than the first visit fee

 

bailiffs lie and will try to add on there made up fees but don't give in to them

 

In the past i have paid the balance to the council never did pay bailiff fees


If i have helped in any way hit my star.

any advice given is based on experience and learnt from this site :-)

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