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    • Different statements. One has “at 59 mph overtaking on the approach” and the other “it was overtaking on the approach and in ....... at 49 mph”. So not the same statement (same ethos, different sentence structure).   perhaps they chose that site for the officer because it is an accident hotspot, and they know people do dodgy overtakes (while speeding) there .....??  
    • Hi.   I've moved your thread to the Bailiffs forum. People should be along to advise later.   HB
    • So a little update;   Of the 6 letters I sent 3 were acknowledged. One accepting £1/month for now and two from the same creditor trading under different names asking for full I&E which I haven't done.   In a moment of madness I managed to depsoit 5k to a gambling site I didn't have due to paypal's crazy policy of allowing payments which are to be collected by direct debit after a couple of days to gambling sites! Mad they allow this but this will show as a negative paypal balance (in a different account to the original "debt"). The first paypal -£5k account has been closed and passed to a DCA now. I have ignored them.   My council has appeared to have stepped up their collection efforts for £2.5k in alleged housing benefit overpayment from 2015/16. I have acknowledged their letters over the past 3 years each time by email but they rarely respond to my pleas. I truly think if there was overpayment then it was for less than half the amount they claim. At the time I didn't think I was being overpaid because I wasn't really working but I had stopped claiming JSA/ESA (and told them as much) but earned a couple of hundred pounds a month from sporadic work.   Also what I thought was a dormant debt from 2016 to Halifax has been actually sold ( to caboot? I think. Hard to keep track of everyone)   I've been getting phone calls daily but ignoring them for the most part. I did request all communication in writing in my original letters.   I feel incapable of dealing with these creditors and whilst initially I was feeling that I would be happy to just ignore all the letters (arreas, defaults and the like) and phone calls for an indefinite amount of time and  hope to make it 6 years to statute barred-ness and accept or defend any CCJ attempts that did arrive. I figured that avoiding these creditors for 3 months so far is 5% of the way there to statute barred! But I figre for these fairly sizeable amounts they probably won't all let it go and I will get some CCJ docs (never had to deal with that) However now my mood and thinking has changed.    I am looking again at insolvency. I'm over the DRO limit now so its BR or nothing. I was wondering why you said to not consider this and it would be stupid @dx100uk? Although shirking my debts/responsibilities it does seem like an "easy" way out at the moment. It would be so nice to know that what's done is done and to be able to draw a line in the sand and start again in a year or so and not have to avoid creditors or worry about what's coming next...   It certainly would help the environment what with the amount of letters that are arriving already(!) considering the first payment I missed was october/november (excluding the old halifax and council debts). I am exordinately stressed about it now even though I thought I would be already . Any advice would be great if it was to get my head out of the sand and contact people/do the ignoring thing and seeing what happens/reasons  to do or not to do bankruptcy for these unsecured debts?   Thanks      
    • Hi everybody   Had a knock on my door and was confronted by either a Bailiff or enforcement agent (not sure about the specific job title). When I opened the door he stuck his foot in so I couldn't close the door. I was video taping him so I took a few steps backward (to get him in shot) and he just fully entered the property despite me saying that I was denying him entry and he refused to leave thereafter.   Turns out that he was there to collect a court issued fine. I think from a Magistrates Court. He worked for this outfit:   www.marstonholdings.co.uk   The reason for the fine was something to do with "driving without car insurance". Now I had a cheap car a few years ago but it broke down and would cost more to fix than it was actually worth. So I sold the car for scrap and cancelled the insurance. Turns out you have to inform the DVLA when you scrap a car and them that it is no longer on the road (I was unaware). So this was the circumstances of the visit.   My question is did he have the lawful right to enter the property? I always thought these people were like vampires i.e. they can only come in if you invite them in.   tia Bear  
    • oppss again then if its the same person.   knows the road well so should know what the speeds are and where they apply..      
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Please help, after 10yrs am at wits end...

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Hi, so in a nutshell, I am helping my husband deal with the csa and have been for the past 10 yrs. We desperately need someone who knows about such things to advise on what to do as now they are seeking a final charging order on our home.


Background info: His case is clerical and started in 1997. In 1999 both he and his partner (the pwc) wrote in to ask for the case to be closed as they were back together. The csa ignored this and kept it open until 2001 charging my husband weekly maintenance and thus building arrears. According to the child support act 1991 as they were living together at the time, there would be no qualifying child and therefore no liability on my husband.


A new case was opened in 2006 under csa2. There are arrears but these have been generated due to maladministration. He has paid regularly until he had to go abroad to work for several years. He informed them and was told a nil assessment applied. Just over a year ago after several years of quiet from the csa they sent a demand for £20000 arrear payment. He instructed a legal csa specialist to act on his behalf as he was still living away. They proved to be not as able as they claimed. Last year he returned for good after being made redundent.


The csa pursued the amount of £30000 arrears even though it was already in dispute and they had contact with myself and the 'specialist'. This has progressed to the granting of a liability order and an interim charging order on our home.


Now in a month he has to go to a final court order hearing. But the amount is still incorrect and I know that the judge will not be able to question it on the day. I have been in touch with the enforcement at csa and they told me to write it all down to them which I am doing any way as he is contesting the action.


My questions are:

1. Where do I send the copy of the letter served to the csa(claimant) for the Judge to read before the court date.

2. Does he need any forms such as an n245 to put our case across.

3. As he is liable for some debt and even though there is no equity in the house. How doe he apply for conditions to be attached to the order i.e


a) No further legal action until our children have moved out of the home.

b) Implentation of an instalment order for over 4/5 years.


Thank you for reading this. And just for the record, in case it makes a difference, he is paying and has been paying for many months his weekly maintenance and an arrear payment. So he is doing all he can but they just wont stop.

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How was a liability order made and a charging order put on your house when there was a dispute on this

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You to put everything in writing, include copies of the letters he got and make a complaint to the The Independent Case Examiner!

Don't be fobbed off with the runaround, when "ice" gets involved you'll be surprised how things change!



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Hi , i have been having similar issues with this organisation . They will act with out fairness and certainly do not care about and issues they are causing you personally .... But , there is help , one group which exists through facebook , dont be put off by the fact that they are on facebook , this group and the admin are amazing , they have every email address of all people to inform regarding your case and a step by step guide on advice . The group is called CHILD SUPPORT AGENCY-RIP OFFS . look them up and ask the team to help you get this sorted .

All the best ,


Jimmy The Saint

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