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    • firstly , they are not a Debt collector [never confuse the two - a DCA chasing consumer credit debt is totally powerless and have ZERO legal powers to do or take anything - they have no more legal powers than you or I do ] these will be bailiffs and do they have legal powers.   However, the good bit is that unlike what you might have seen on TV, for a council CTAX liability order [please confirm there is or NOT a CCJ registered check your creit file] there is NO right of forced entry. The bottom line is, bar all the arm waving, is, that if you simply totally ignore them, they will eventually go away.   Now what they can do is two fold on CTAX. basically add fees to a set limit.   the first is a notice of enforcement letter. this comes with a fee of £75 and gives you 7 days to set up some sort of payment plan.   the second is an actual visit, where by a further fee of £235, whereby the fees are now £310 , the maximum they can ever add to the CTAX bill. this is typically accompanied by a threat to removed goods, it's cleverly worded or 'explained' to make you 'think' they can waltz in any take anything they like. THEY CANNOT unless YOU let them in. which you don't, nor leave doors unlocked as they can then enter through what is caused 'peaceful entry'.   in real term, the seizure of goods is limited to cars YOU might own that are not behind locked gated.   so i'm not too sure what stage you are at  so please clarify. the names of the bailiff company. how much you now owe the county council the CTAX is owed too.   one last point. they don't keep coming around they don't keep ringing. neither of those gander them anymore money so they don't bother.   dx      
    • Hi Everybody I moved into my parents house quite recently. My mam is aged and extremely ill (it's just me and her living in the house) and I moved from the North to the South of England to take care of her.   Now I've got a CCJ against me for unpaid Council tax from when I was living in the North and a debt collector has just showed up at the door. Now I don't have the money to pay the entire amount straight away. But I'm willing to try and enter in some kind of payment plan and gradually pay down the debt. However my main concern is that they don't keep coming around and phoning the house threatening and harassing my mam over her sons debt.   However the guy at the door was threatening to seize goods and have them sold at public auction. Getting bailiffs to break in etc.   When I told him that I've nothing of any real value he said he could just take whatever was in the house. Something about if she couldn't prove whatever was hers then they could just take whatever (I'm not 100% this but I think something to this affect).   He left me a "Notification of Enforcement agent visit" sheet of paper.   From the first paragraph it says:   "As an enforcement agent I've attended your premises today with the intention of taking control of your goods in accordance with the taking control of goods (fees) regulations 2014. At this time your goods are bound. You cannot remove, sell or otherwise dispose of them"   Thus I'd appreciate any advice that readers my be able to offer. Does anyone know the law regarding "seizing assets" when the debtor is not the homeowner/tenant?   tia Bear
    • I should add I only got the CCA response last week after waiting nearly a month over the prescribed time limits to respond. PM
    • Thanks, I thought that might be the case.  J
    • claimform issuance stops the SB clock    dx  
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rach_smith2006

Struggling... Help please...

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Hi

 

I am new to this so if I don't give enough information please let me know. I am a in serious debt though not a debt crisis.

 

I am paying approximately £400 per month of debt.

 

£100 to a loan that has been going on for a VERY long time, currently trying to get statements to ensure no charges have been unlawfully made; interest rate 9.9% £2300 outstanding

 

£250 to a credit card, 19.9% interest rate £3300 outstanding

 

£20 to an overdraft, 19.89% interest rate, £1100 outstanding

 

£40 to another credit card, this is the minimum payment, 0% until April 2013 then 27.9% and £2800 outstanding

 

I cannot really afford to pay any more per month than £400.

 

I work hard as a teacher and tutor as a second job as much as I can.

 

Any advice, ideas, help to create a plan to get me out of debt, so that I have a plan and a date when I will be debt free would be much appreciated. I am feeling out of control. I have been paying this much per month for years and do not feel I am making a dent.

 

I got my credit score Jan 2012 it was 629 and I do not think it will have improved, but I have not taken further credit since then, and am making regular payments.

 

Thank you a very overwhelmed debtor!

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hi rs2006

 

[i hope thats not linked to your realname......]

 

can i suggest you have a read of the debt guide below in my sig.

 

you might find worth in going

with a FREE charity DMP

like CCS or Payplan too.

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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I understand your pain.

 

I can't offer much pragmatic advice, but in the spirit of moral support,

 

I was £16,000 in credit card and overdraft debt in 2003.

 

It was killing me, I struggled to sleep and my life was obsessed with how deep I'd got myself in.

 

It took me until 2009 to sort it out.

 

The point at which it became much easier was the point when I decided to stop panicking and start doing.

 

I created a personal budget spreadsheet (which I still use today) where I put in my monthly spendings and income and worked out where I could make savings.

 

I then spoke to all the creditors and explained my issue.

 

They were surprisingly helpful.

 

I'm not sure how good this advice is, but I actually stopped paying 2 of the credit cards and didn't take any of their calls for months.

 

When I did answer them I said that I was really struggling and asked them to stop the interest accruing... which they did.

 

I then saved until I had half the amount of those cards and offered them that amount to close the accounts.

They accepted this.

 

It was tough for a few years, but I was still able to have fun and live life.

 

It also taught me some really useful budgetting skills and I've gone from financial disaster to being pretty good with my money!

 

Hard lesson though.

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I understand your pain.

 

I can't offer much pragmatic advice, but in the spirit of moral support,

 

I was £16,000 in credit card and overdraft debt in 2003.

 

It was killing me, I struggled to sleep and my life was obsessed with how deep I'd got myself in.

 

It took me until 2009 to sort it out.

 

The point at which it became much easier was the point when I decided to stop panicking and start doing.

 

I created a personal budget spreadsheet (which I still use today) where I put in my monthly spendings and income and worked out where I could make savings.

 

I then spoke to all the creditors and explained my issue.

 

They were surprisingly helpful.

 

I'm not sure how good this advice is, but I actually stopped paying 2 of the credit cards and didn't take any of their calls for months.

 

When I did answer them I said that I was really struggling and asked them to stop the interest accruing... which they did.

 

I then saved until I had half the amount of those cards and offered them that amount to close the accounts.

They accepted this.

 

It was tough for a few years, but I was still able to have fun and live life.

 

It also taught me some really useful budgetting skills and I've gone from financial disaster to being pretty good with my money!

 

Hard lesson though.

 

nice story

 

i hope you reclaimed too!!

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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