Jump to content

  • Tweets

  • Posts

    • Am I able to upload it like the earlier ones today? It seems to be easiest way for me to do it on my fone 
    • nothing to do with any warranty or guarantee nor T&C's. and nothing to do with where you kept nor used it.   under the Consumer rights act you are entitled for upto 6yrs to have an item that is fit for purpose.   your item has failed within 6mts so under the CRA it is the retailer responsibility to inspect it and have ONE chance to repair it .. no quibble.   sadly as you purchased the item through paypal with your credit card i don't think you have any rights that way under section 75 of the consumer rights act.   @BankFodder will be around AM to help with how to move you forward possibly by a formal letter but safe to say Sweatband.com are taking you for a fool.
    • It is residential. Not long been self employed, and in between been employed.   Everything was set up by dd. BT even let them upgrade the Internet 2 months ago, but did not refuse on basis bill not paid. No letters, nothing and normally would cut you off after not paying for a month.   Yes they should check outgoings, but young couple, and everything by DD.  They obviously realised they made a mistake by halfing it. Just wanted advice really    I would also like to point out they are very financially aware, he earns good money, just didn't spot it wasn't coming out, nothing alerted him to the fact it wasn't 
    • £800 for one year?? what planet are you on?   i will guess this is residential Broadband not a business A/C?   however i do find it a bit strange that a self employer person does know when or not money is going out of your A/C one month maybe, but to not spot 12mts of not seeing a BB bill smacks of poor financial awareness..    
    • As when he served as vice-president, Joe Biden is on an economic rescue mission. View the full article
  • Our picks

    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
      I opted for mediation, and it played out very similarly to other people's experiences.
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
      Many thanks, stay safe and have a good Christmas!
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
      • 31 replies
    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies

Council Tax - Alax M Adamson + Potential Sequestration Proceedings

Please note that this topic has not had any new posts for the last 2984 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Hi there,

First post so be gentle on me!


I'm at the moment currently trying to sort out my girlfriends debt for her. Over the last year shes got her self into a right mess with payday loans which i'm currently helping her with making arrangements etc.. but shes also got a back dated council tax bill of approx 4000 to deal with.


To be honest shes been ignoring it and hoping that it would go away - but shes now received a letter from Alax M Adamson that they will be recommending to the council to start bankruptcy proceedings and to stop this action that shes to call and make some sort of arrangement with them now. They state they will also be proceeding with all other diligences available under a Summary Warrant.


I'm just wondering whats the best way to deal with this? On looking through other posts some times the advice was simply to start paying the council and ignoring the sheriff officers. Or should she be dealing with them on this occasion?




Link to post
Share on other sites

Never ignore sheriff officers in Scotland.


Has she received a charge for payment ?


Have you made any payment proposal?


Have you done a budget sheet?


What other debts are they?

Please contact a member of the site team if you are offered help off the forum for a a paid or no win no fee service.


Please consider making a small donation to help keep this site running

Click here to donate through PayPal (opens in a new window)

Link to post
Share on other sites



I don't have all her facts and figures on me to upload to show you the extend of her problems but I can get and upload if required once I go back to her house tomorrow.


At the moment, I've just gathering all her debts together and creating some sort of budget for her - so the budget hasn't yet been finished - the only reason I'm posting is due to the seriousness of this letter. But I can upload the budget if required once its been done. At the moment I've wrote to all her creditors that I'm aware off asking for a bit of time to sort things out and we'll get back to them in due course. Not yet dealt with the Council tax yet.


And while I'm here I might as well give you her full story.


Roughly off the top of my head this is her current predicament.


She works part time and earns around 500-600 a month. She also gets tax credits - approx 130 a week plus 80 child benefit.


Current monthly outgoings that are getting paid (as in this is what comes out her b/account every month)

Rent - £230 - this includes housing benefit + approx 30 to back dated rent.

Sky £47 - shes still in a twelve month contract but this will be cut as much as possible.

Sky Insurance - 9.50

Talk Talk - £35 (phone+internet)

Mobile Phone- £60 a month! again this is getting cut in Jan when her contract ends.

Child Trust Fund - £10

Gas - £20 per week (prepayment - includes £6 for a old debt)

Electric - £15 per week (prepayment - no outstanding debt)




Until I get back to her house I've not got the paper work to list the exact debt figures but these are near enough.


Important Debts

Current Council Tax - approx £1000 (estimate - shes not even kept the bill!)

Back Dated Council Tax - approx £4000



Other Debts

Approx 6-7 Payday loans - around £2000-2500.

Provident - £4600 - used to pay this at £30 per week but she just couldn't keep this up

Mobile Broadband contract - approx £300




When I first found out about these debts which was way back in Jan - i told her shes needs to go and see some sort of debt management person - which I grant you she did and saw a local debt counsellor at the CAB - but what ever was set up she hasn't stuck to.


In respect to the back dated council tax - the debt management place advised her to just ignore the sheriff officers and that they would just arrest her wages and take approx 20 per month. Which she did and this happen. During the summer the sheriff officers that done this - no longer deal with the council tax in this area and the arrestment stop. And this is when Alex M Adamson came on the scene.


The only thing that shes got from the sherriff officers is a letter stating "Potential Sequestration Proceedings". She did have a charge for Payment note from Walker Love for around £900 of this debt and that was when they arrested her wages - but as I said its not arrested anymore?




Link to post
Share on other sites

A DAS could be just the ticket. Not only could the council tax and credit debts get sorted, you can include the rent arrears also.


More info: http://www.nationaldebtline.co.uk/scotland/factsheet.php?page=22_debt_arrangement_scheme


Best thing about the DAS is that all interest will be frozen. Perfect for Payday loans.

Link to post
Share on other sites
  • Recently Browsing   0 Caggers

    No registered users viewing this page.

  • Have we helped you ...?

  • Create New...