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      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
       
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
       
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
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Hi

 

I moved from a rented house to another rented house 8 months ago.

There was an outstanding council tax bill of £650 on the old house which I hadn't paid.

I gave them my new address etc and promised to sort something out but I then lost my job and have been unemployed since.

 

They passed it onto bailiffs - Rossendales.

They wanted £28 a week which doesn't sound a lot but when you add it to all the other debts and current bills etc it was too much

 

 

I asked them to reduce it until I found work.

I sent off the paperwork proof they asked for but never heard anything from them until just now.

 

 

The bailiff knocked on the door and handed me an enforcement notice saying he would be back in two days to remove goods.

 

I have emailed Rossendales and asked them why they didn't get back to me and what has happened to the paperwork I sent them and why haven't they looked at it. They haven't replied yet.

 

I am at my wits end and don't know what to do.

I have enough cash to pay the original debt of £650 but not enough to pay Rossendales which is £900.

But if I paid the original debt it would leave me short for the rent which is due in just under 3 weeks time so that would be even worse - maybe!!!

 

I just want to die. Can anybody offer any advice?

 

thanks

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You need to speak to someone at the Council and ask the following questions:

1 - how many Liability Orders they have against you

2 - the dates they were obtained

3 - the addresses they were for

4 - the period of time each covers

5 - how much each one was for

6 - how much is still outstanding

7 - the dates they were passed on for enforcement

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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what letters have you had from rossers and their titles please?

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

 

Thank you for replying.

 

 

Me and my daughter each had one liability letter advising the case was going to court to determine liability.

 

 

At that time I had a job and they told me I could not stop the order but would still have to pay a certain amount each month to prevent it going any further.

 

 

A little while after that I lost my job.

I was unable to pay them and all the other debts and current bills.

I think that letter was around July/August 2014.

 

They were sent to our current address but referred to our previous address.

My daughter is on income support and I believe most of her council tax was covered by benefits but mine wasn't.

So the majority of the debt is mine but we are jointly liable as it was a joint tenancy.

Each liability letter stated the full amount due.

 

The liability letters state the period the debt relates to.

There is approx £657 outstanding but this has now gone up to £902 with the enforcement agent fees.

 

I don't know when they were passed on for enforcement.

 

 

Speaking to Rossendales today they just said we had 14 days to respond to them

and they said they didn't get a satisfactory response and so we are where we are.

 

I sent them the paperwork they asked for about 7 days after they asked for it so it was within the 14 days.

They said today that they received info on my daughter,

then they said they hadn't

then they said they had received my info

then confused it with my daughter's.

 

 

I don't think they know what they have on file.

 

I have a mountain of un-dealt with debts and those I've dealt with but can't meet the payments they want.

I'm just going to go through it all now to see if I can find the dates of the liability letters and orders etc.

 

The bailiff was not a nice person - he said "I'll be back in two days to get your stuff".

I haven't called him yet to see if he will accept a few instalments

but he indicated to my daughter that he wanted the whole £900 or lose our stuff.

We don't have much.

 

thanks

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What goods does he intend to come back & remove?

 

He has no automatic right of entry unless you let him in - a seriously bad idea - or has he gained access prviously & if so has he seized any goods. If this is the case can you give us a list of everything seized as listed on the Contol of Goods Agreement & did you sign it?

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Hi

 

I've checked paperwork. I realise this is all my own fault.

 

The council sent me:

 

4 Sep 14 oustanding amount of £487.23 statement

10 Nov 14 Summons to each of us stating that we were to appear and explain etc, but on the reverse it says don't bother appearing unless it's to dispute liability

24 Nov 14 statement saying I have lost my right to pay in instalments

2 Dec 14 a financial statement template which I was unable to complete on time and get it back to them - I was (still am) in a deep depression and struggling to deal with debts

 

I think I remember seeing a letter saying a liability order was being sought - sent to each of us - which would have been before the summons. But I cannot find it.

 

Rossendales sent to me:

 

15 Jan 15 a Notice of Enforcement. We called them and they asked for more each week than we had available

26 Jan 15 a reminder NoE.

11 Feb 15 NoE Agent Visit - final opportunity. I emailed them asking them to take an amount lower than what they originally asked for.

23 Feb 15 they emailed back asking for proof of everything money wise within 14 days.

 

A week later I sent them a package containing all this. I did not keep proof of postage.

We didn't hear back from them until today when the bailiff knocked on the door.

 

I can see to a large extent it's my own lack of action that has let it get to this stage.

I have just emailed the council begging them to call off the bailiffs but I know it won't do any good

- they've already said this morning that they can't.

 

 

I'm am so upset. I can't stop crying. What will happen if all my other debts end up with bailiffs as there won't be anything left for them to take.

 

Hi

 

He hasn't been in our house yet,

he only turned up today for the first time saying he would be back in 2 days for our stuff.

 

 

My daughter told him that there won't be anyone in and we won't open the door to him.

But it's an awful situation to be in.

 

 

I've since called a couple of my other debts to make sure they hadn't got to that stage yet, which they haven't. I won't let this happen again.

 

All I can do is use this month's rent to pay him off.

And hope I can borrow the money back off someone to cover my rent.

The worst thing would be to lose our home for rent arrears.

 

I'm on a slippery slope to nowhere right now with all the bills backing up. What a mess.

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others debts?

 

 

don't worry about cards/phone/tv etc etc

a DCA ARE NOT BAILIFFS.

 

 

rent/mortgage/CTAX MUST take priority

then its gas electric

 

 

everything else gets dropped to £1!!!

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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what about other benefits?

 

 

try the entitledto website

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

 

I've got credit card debts of around £23k (down from £69k so have been paying until I lost my job).

 

I have old gas and electric bills, water bills etc but

I've contacted them and made payment arrangements

- which I can't keep anyway as I have no money, but I will contact them again.

 

One of them advised me to contact Step Change but I was paying my card debts through them

and they don't want to know if you haven't got a minimum amount each month spare.

 

I've just got lots and lots of these things.

 

I need to pay BT and mobile bills or that will just store up trouble and will leave me unable to try and get work.

 

I also took out Sky before I was "laid off" so now I also have that to pay each month.

 

Current council tax is in arrears from last year but they said they won't issue summons until May so I have some breathing space.

 

They also said they would make an arrangement with me once summons is issued which will be affordable.

 

The previous one that Rossendales are chasing did not make an affordable arrangement with me.

 

So, yes, I am drowning in debt at the moment.

 

I wrote to CAB before Christmas asking for an appointment but they never got back to me.

 

It's a no-hoper my case. But I keep trying to keep it all under control.

 

I've written again to the council who hired Rossendales begging them to intervene

 

but they haven't got back to me. I doubt there's anything they can do now anyway.

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I note you say you suffer from depression. Without appearing nosy can you tell us for how long this has gone on, are you taking medication - just a simple yes or no to this one, are you currently seeing your GP or other practitioner for ongoing care for this?

 

Do not use your Rent money to pay him as you must keep a roof over your head. As said previously he cannot do very much if he cannot gain entry to your home. If there is anything of value lying outside then remove that NOW and put under lock & key somewhere. These people are known for telling tall tales so please believe me when I say he cannot have you arrested, imprisoned, sell you for a slave etc - it is all planned to ramp the pressure up.

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forget the credit card bills

the mobile bills

the BT bills

and the sky bills

 

 

they are NOT priority!!!!

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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Share on other sites

Hi

 

I'm on Prozac but I'm useless at taking it so I guess it's not doing much good.

 

But I've been depressed ever since my finances went belly up and the strain of being unemployed for long periods of time has made it worse.

 

I understand that he cannot force entry but he will just take our car and we neeeed our car, trust me.

 

My daughter has two very small children both babies.

 

The car is the only way of getting them places together as we only have one single buggy.

 

Also, I can't allow a bailiff to take stuff from our home.

 

We only have essential stuff here, nothing fancy or worth loads of money.

 

The kids would be distraught with no furniture or a TV for their CBBees etc. Life would be unbearable.

 

I realise I shouldn't use the rent but I have no choice.

All I can do is try and contact a few people and ask them to help me out when the rent's due.

 

The bailiff told my daughter that he won't take instalments and that he works for Rossendales

and we should contact them if we want to talk about instalments.

 

Rossendales said the bailiff was self-employed and they have no control over what money the bailiff agrees to accept.

 

Someone is lying, but we don't know which one!

 

Does anybody know who can authorise an instalment plan even if we can get it down to 2 or 3 payments.

 

thanks

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Is it possible you can move the car - into a garage or next door neigbours drive or pub car park even?

 

I would venture to suggest that you may be classed as a vulnerable household given you are on Benefits and your medical disposition. To do this you would need to write to both Council & Rossendales outlining all and providing proof - for Benenfits this is a recent Award Notice & for medical issues a letter or similar from your GP or other medical professional which should also explain your situation could be made worse if enforcement continues.

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1: Don't use your rent money to pay these rats, You need somewhere to live. Your rent is more important than the bailiff.

2: Remove anything of value outside, Move your car a good 10 minutes away, Not ideal when you have kids but away from the rats who will just threaten to take it away

if its not worth enough to cover the amount.

3: Never let them in, no matter what they threaten, Bailiffs do lie and says things to scare you into getting what they want which is money off you

4: Letter of complaint to council regarding payment plan since bailiff co won't accept what you can afford and sounds like they may have ignored you for unjust enrichment for the company as you sent in what they requested which was ignored and allowed them to next stage fees when visiting you.

 

Chances are if bailiff can't levy on anything the account will be sent back to the council where you can make arrangements to pay or just pay them

what you can afford each week.

 

Priority Bills: Rent,CTax,Gas/Electric,Shopping, anything else is none priority and just £1 each

 

 

George

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Please monitor this thread tomorrow as I may ask you to pass on some reference numbers to me by email.

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You should seek debt advice from one of the free advice agencies that the government promote on the forms used by the enforcement agencies. With all due respect to the forum members you need a thorough review of your finances rather than snapshot advice online. Go to your nearest CAB office and if they cannot help try Advice UK, National Debtline, Money Advice Service or Gov.uk. Contact details will be on some of the forms left and Google will help also.

Also more importantly if you are genuinely suicidal please contact the Samaritans as they are the best peoples to assist you. Do that now.

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I feel you pain. I am in similar position with parking fines. I have tried working with Rossendales but they refuse, despite me sending in documentation from Dr stating I have mental health needs. We have to keep fighting. I cry everyday and live in fear. its become the norm. the local authority nor rossendales will not help me.

 

 

I don't know where to turn

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Rossendales have just emailed me saying that action will continue despite me pleading with the to stop. And from what I've seen on other posts it sounds like they are a nasty bunch. It's no good, I'm just going to have to find the money and pay them before the bailiff turns up.

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I have not been around for the past week so this is the first time I have seen this thread. Without knowing more information my first thought was that you should give serious consideration to applying for personal bankruptcy. THis would get rid of all the debts (including council tax) and allow you to start living again without all these old debts around your neck.

 

From what I see here the ONLY problem that you have with Rossendales is that they could take your car. How much is the car worth (roughly)?

 

The bailiff has charged the correct fees and the ONLY additional fee that he can charge now is a removal fee of £110. There is no provision that state that you have to allow a bailiff into your home so please do not worry on this point. Your household items would only ever be taken if you decided to invite the bailiff into your home.

 

The current position is that a payment proposal needs to be outlined to Rossendales today and given the level of your other debts it should be the case that the £235 enforcement fee should be reduced. You should NOT use the rent money to pay this debt.

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Absolutely BA, but Rossers would willingly take the rent money and pursue the debtor to the B & B they end up in once evicted for non payment of rent. There must be a protection of rent income on an I & E that is absolute, if Rossers are asking for payments way beyond what can be afforded which seems to be their MO to ground the Enforcement Fee in as many cases as possible, they need a Formal Complaint to the council, and a note to MOJ.

 

Do NOT use the rent money to pay Rossers, do not let them into your home either.

We could do with some help from you.

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If you want advice on your thread please PM me a link to your thread

 

The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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As far as I am concerned, a criminal court fine is a 'priority' debt but with all other debts (council tax and road traffic debts) these are CIVIL debts and accordingly, should rank as important as rent, gas, electricity and food. As I say, this is my personal opinion.

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Rent should have a higher priority than Council Tax, after all it is a tax on property value, and if the payer is rendered homeless as they cannot afford rent and council tax, something is wrong somewhere. Ah yes, council tax takes no account of if an income is sufficient to pay it, and Council Tax relief is now a joke.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

If you want advice on your thread please PM me a link to your thread

 

The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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Hi

 

I had to pay it in the end. I cannot allow my family to have a bailiff come in a take all we have. I will somehow get the money back in time for the rent due date. I have no choice. It will be hard but I'm trying to remain optimistic.

 

Despite my begging Rossendales and the council whose debt it was, nothing was done to stop this. The amount owed was £487 and then went to £650 when it went to Rossendales and this spiralled into £902 very quickly. It would have just kept building up. I will be making a complaint to both the council and to the body responsible for dealing with bailiffs. It won't do me any good now but I need to vent my anger somewhere.

 

This is disgusting as far as I'm concerned and the actions of the local councils are beyond belief in my opinion. Money grabbing *********

 

I know it looks like I ignored everyone's advice not to use my rent money but believe me I wouldn't have if I wasn't reasonably sure I could borrow any shortfall this month. Just puts me in a position of having to get the begging bowl out which isn't good as people get fed up with it. I'm sorry if anyone thinks I just disregarded advice, I just didn't have a choice.

 

thanks

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