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Glasgow City Council and BPO Collections


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I have put myself off from writing this because I am already on this site in regards to another situation I am currently going through, and the two people who have been assisting me with that may well see this and think to themselves: “Oh God - not them again”.

 

I left Glasgow in May 2009 with a council tax (ct) debt of, apparently, £1000, covering 3 ct years and 2 addresses. While at these addresses I spent a vast majority of my time unemployed, only being employed for 2 christmas temp jobs from Nov/Dec 07 and Aug/Dec 08. Other than that I was in receipt of JSA.

 

When I left Glasgow I was only due to pay for April and May 09 ct of £45.58. However, due to the nasty people at the letting agency I rented my flat through I am now, what appears to be, being charged a full year of £395.41 and not £45.58. Apparently, my former letting agency are holding me liable until the terms of my lease agreement (I don't know what they are or what they mean), and because they couldn't rent the flat between May and September 2009, rent they are trying to obtain from me but to date have done nothing about, I am being charged full (no 25% single person's deduction) council tax of £108.72. Now it appears to be £395.41.

 

I received a letter in March 11 from STIRLING PARK informing me I owe GCC £907.98. After getting my act together I started to pay SP £5 per month as from March 12, which was all I could afford as I am on ESA due to having mental health problems and difficulties. In February 13 I received a letter from BPO Collections demanding the full amount of £960 19. I was confused about this as I had assumed that SP were dealing with this debt, and after writing to SP was informed that they are no longer dealing with GCC and BPO Collections have taken it over. To date I have paid them £5 (I pay £2.50 per fortnight), and to date I have paid £65 towards this debt as from March 12.

 

In January 12 I received a letter from GCC informing me of a how much I owe in regards to each outstanding (os) year and address, and it was broken down for me to see. The total was £606. 41. I wrote to both GCC and BPO Collections, with enclosures of this letter, requesting GCC to amend their records and to inform BPO Collections of this amount. I have just received a letter from GCC informing me that I owe £950.19, and that since the letter of January 12 the amount has increased. However, I was not sent any paperwork in regards to this increase or any thing else. Basically I am to take their word for it and pay it. Tough on that.

 

How can a debt go from £907.98 to £960.19 to £950.19 and no sign of the £65 I have already paid? As James Stewart says in REAR WINDOW: “Since when do flowers grow shorter”.

 

I have just written a letter to GCC asking them to send me EVERYTHING they have on these os debts and I will get someone to look over the paperwork, but in the meantime any help and advice will, as always, be gratefully appreciated.

 

Thanking you in advance.

 

Bohomiz

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  • 3 months later...

Hello All

 

I did write a thread in regards to this matter in March 2013, and although read no-one replied. It may have been the way I wrote it.

I have Attention Deficit Disorder and I do have problems in expressing myself both verbally and in the written form.

 

I lived in Glasgow for 1 month short of 10 years,

 

but from 2007, when my partner and I amicably ended our relationship, until I moved away in May 2009,

I got myself in to a terrible mess with my council tax.

I was on JSA at the time and I just couldn't afford to pay what they were asking.

 

When I moved to my present location 4 years ago I brought that debt with me, and

 

in March 2011 I received a letter from STIRLING PARK DEBT COLLECTION stating I owed over £900.

However, due to my A.D.D., I finally got myself sorted out and started to pay £2.50 per fortnight when I received my ESA payments.

 

In January 2013 I found out the debt had been passed to BPO COLLECTIONS and I continued to pay the debt to them at the same amount.

 

The debt amount kept increasing, and even after paying for one full year, the sum amount of £65 , it was still not getting any lower.

 

I wrote to GCC who gave me a break down statement of account, and they had added extra to it due to the situation regarding my last tenancy.

 

I moved out in May 2009 but the letting agency would not give confimation of this date to GCC and stated to them that I had moved out in Sept 2009

because they couldn't get a tenant in the place in between that time.

 

It didn't matter that I gave them a copy of the front cover of my tenancy agreement to my new abode 500 miles away!

 

my brother very kindly offered to pay this debt off for me because

(a) it was going to take forever, and

(b) I wanted shot of it once and for all and move on.

 

I had previously written to GCC to offer a Full and Final payment of £650, which was declined, although not actually outright.

 

What I received instead was a letter giving me outstanding payment dates and amounts and informing me that I owed £899.07 and that this was still payable.

 

As I had a few days earlier paid BPO COLLECTIONS a payment of £2.50,

I deducted that amount making the outstanding payment £896.57.

This amount was paid in full on 4 June 2013 from my online bank account to BPO COLLECTIONs bank account

(I saved a copy of the online bank receipt as a jpg),

and I wrote to both parties requesting a letter stating that the debt had been paid in full

and that I was to receive no more correspondence from them in regards to the accounts.

 

Today I received a letter from GCC with four statements,

and on the first one it states I have an outstanding balance of £10.00 (TEN POUNDS ONLY).

I was, and still am, furious at this, and am spitting blood chips.

 

I paid what was owed - £896.57 - in full,

so why am I now being hounded for £10.00?

 

There is a breakdown of account of each statement, and I think they have very cheekily (is that a word)

added a Statutory Addition fee of £23.10, and when everything else has been deducted it leaves an outstanding balance of £10.00.

 

No fees were mentioned, no additional monies mentioned, just a letter with the amount I owed, which I paid (minus the £2.50 previously paid).

 

Do I have to pay this?

Should I pay it?

Can they take me to court?

 

I paid what they asked for, so as far as I'm concerned it is all done and dusted.

 

Any help, advice &c. is as always gratefully received.

 

I'm desperate to leave glasgow behind me, but they won't let me go.

 

I'm off for my cup of cyanide.

 

With thanks.

 

BM.

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I wouldn't have thought that they would take you to court for £10.00. However, I will try and find someone who has more knowledge of this than I do.

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http://www.consumeractiongroup.co.uk/forum/showthread.php?385511-Glasgow-City-Council-and-BPO-Collections

 

Yes, this was your original thread - I am quite surprised that you didn't receive any response.

 

Anyway, I have sent an S.O.S out on your behalf and I am sure that someone will look in on you soon as they can. Please be aware that some of the people who volunteer their services have day jobs so it could be later today or tomorrow before you receive a reply.

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Hello CitizenB

 

Thank you very much for replying to my message; much appreciated.

 

I've just in touch with my brother and he is astounded. It was a full settlement letter they sent to me and I paid it in full - in the words of, dare I say, Jeffery Archer, 'Not a Penny More, Not a Penny Less'.

 

The nerve of it though. Audacity.

 

Thanks again.

 

BM

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Ooh, an Archer fan - I liked that book as well :)

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Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Hi CitizenB

 

I have to be honest, that is the only JA book I've read, and I read it a long, long, long time ago :oops:, but I did enjoy it very much. I remember I found it very difficult to put down. My father was a JA fan and had all of his books. I will have to try and get another copy of it and see if I still like it. Plus some of this others. My father was a HUGE fan of his books. I think he liked CAIN AND ABEL as well.

 

BM

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Kane & Abel was one of my favourites along with..

 

The Prodigal Daughter

First among Equals

As the Crow Flies

Eleventh Commandment

 

:)

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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I am very surprised Glasgow added to the debt

they cant do that

 

are you sort of sayin that all the time you paid the two DCA's, it appears, it was not going off the debt?

 

there is something not sitting right with me here.

 

I know its a pain but can you scan all the letters you have up?

 

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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Hello DX

 

Thank you for replying; it is much appreciated.

 

In the letter I received today about the £10 outstanding, there is a statment that once everything has been added up and deducted leaves a remainder of £10. All of the other statements are clear and paid to date. I will give a brief run down and up load letters &c. tomorrow.

 

I received the following letters from STIRLING PARK:

Dated: 1 March 2011 - FINAL NOTICE - £907.98

Dated: 9 March 2011 - FINAL NOTICE - £907.98

Dated: 15 Sept 2011 - Breakdown of accounts and amounts owed to each

Dated: 15 Nov 2011 - ARREARS NOTICE - £907.98

Dated: 7 Dec 2011 - BALANCE DUE INC COURT/WARRENT COSTS. This letter also included SP bank details which I set up to pay via my online bank account. They demanded £15 per month - I paid £5 per month. Payments commenced end of March 2012 from my online bank account to theirs. I never missed a payment.

Dated: 13 Feb 2013 - Informing me that SP are no longer collecting the debt and it has been passed to BPO as from Jan 2013. I am assuming that GCC changed DCAs

 

I received the following letters from BPO COLLECTIONS:

31 Jan 2013 - FORMAL NOTICE - £960.19. Note the increase from the SP letter. By the time I commenced paying BPO I had already paid SP £60, which is 2 weeks short of a full years payment of £65.

 

The financial increase is due to the last flat I lived at in Glasgow.

I lived there for the first 2 months of the 2009 council tax year while on JSA, so I should only of had to pay approx. £45.

 

But the letting agency I lived at refused to give the correct date to GCC and they told them I moved out at the end of Sept 09

because they couldn't get anyone to move into the flat after I left.

 

Although I have not received any letters in regards to this,

the letting agency were talking about charging me for the months they couldn't rent the flat out for - June to September.

 

It didn't matter that I had sent GCC a copy of my new tenancy agreement stating when I moved into my new place 500 miles away

- they needed the last word from my Glasgow letting agency.

 

So - what GCC did was cancel my 25% single persons discount from May to Sept and charge me the full amount from those dates,

and I got a £32 deduction on a '2nd home'.

 

This brought the debt up to £605.96 before deductions and £478.88 after deductions.

 

The original amount was £45.58. HUGE DIFFERENCE.

 

No matter what I said they refused to listen to anything I said and went by the side of the letting agency, which is why the amount was increased.

They also like to add Statutory Additions whenever they appear to see fit, which rapidly increases the amount even more.

 

The whole situation was dragging me down so much, which is why my brother very kindly gave me the money to pay it off.

But I think there is a fix going on here.

 

If I was still living there I would still have been on JSA, so they were charging me full persons council tax on a JSA income.

That has to be wrong.

 

When I moved here my JSA account was basically transferred via details, although I am now on ESA.

 

I'm just really annoyed at the £10, considering they sent me statements of the amounts I owed and a letter with the full outstanding amount.

 

Just need some advice, and if there is anything else going I will take that too.

 

Thanks very much for your help. It is much appreciated.

 

I'm off to bed. Got a big HEADACHE :-(.

 

BM.

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I would send them an sar

 

there is something very wrong

esp the extra months and the 'fees' added

 

there is no remit to add any fees.

 

the LO they got is the only figure they can charge you.

 

sadly many Scottish councils use DCA

 

they seem to think they can add their fees too

they cant.

 

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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Hi DX

 

Thank you for your reply - again much appreciated.

 

You wrote about sending a SAR - I am assuming to GCC and not the letting agency. I can't afford to send to both.

 

I've always smelt something about this situation, with the fact that the GCC cancelled my 25% single person and charged me full amount.

 

If you would still like to upload the letters from GCC (the statements) I can do that. It will take some time because there are 2 sides to each statement, or I can just upload the breakdown side only. This is the part iwth the most informtion.

 

If I requested a SAR and it came back in my favour, would I be entitled to a partial refund?

 

Thanks again.

 

BM.

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