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    • Hi there, the company name on the bit of paper is:   Bristow & Sutor   Says the total amount £990.49 and this includes £235 enforement stage fees,  The CTAX was owed to North Tyneside Council. The guy also said that it wasn't just for CTAX. Other debts were combined.   I did leave other debts behind too when I moved. Perhaps a utility bill, credit card debts and a Provi doorstep loan.   I think the guy said that he would be back Saturday too. This is what I'm trying to avoid multiple visits. Don't want my mam to get upset.   Thanks for the help.   Bear
    • Hi   Just to be clear a Tenant cannot refuse to pay rent after they have signed your Tenancy Agreement for the property irrespective if they are claiming no hot water for xx weeks especially when you have evidence to the contrary.   As they are now 2 months in arrears they have breached your tenancy agreement and you could go down the section 8 route for the rent arrears to evict your tenant and the letting agent you employed should be fully aware of this.   The hot water issue sounds more like the tenant didn't have a clue how to operate the heating system within your property   Has the Letting Agent informed this Tenant about the rents arrears and their Guarantor who would also be liable for the rents arrears?   Now the Tenant that wants to leave early as there is no 'Break Clause' in your Tenancy Agreement signed they would have to negotiate with you the Landlord to leave early as they are then in breach of that signed Tenancy Agreement.   Now before doing any of this is they have paid a Deposit it should be protected in a Tenancy Deposit Scheme and they should have been give a copy of that deposit schemes prescribed terms.
    • So a bit of an update as I haven’t posted for a while   I have received a court date of the 14th of Feb 2020 (maybe they will take me for a nice meal afterwards?) so I am starting to prepare my witness statement.    today I have received a letter from BW legal in response to my CPR letter yet again ignoring the fact that their T&Cs do not cover double parking. They are also now starting to hint that I was parked out of the bay yet the images provided on their evidence of the three tickets they are claiming for don’t evidence this as they are such bad quality.  stapled to the back of this is another letter. As a “gesture of good will”, the client is offering an out of court settlement figure of £500 payable in the next 5 days. Me thinks they are starting to realise they may not have a leg to stand on here!
    • 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 called 'peaceful entry'.   in real term, the seizure of goods is limited to stuff outside like cars YOU might own that are not behind locked gates.   so i'm not too sure what stage you are at  so please clarify. the name of the bailiff company. how much you now owe the county council the CTAX is owed too.   if you have any/all paperwork please scan it to PDF  after redaction - read our upload guide]   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
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Is There Anything I Can Do?? Payday Loans!!

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Hi Guys,


This is my 1st Post so not sure what the rules etc are.


I am 25 years old and had unfortunately fallen into the trap of gambling however I have recently (2months back) started GA. The good news is that I have not had a gamble since starting the programme however the bad news is the large amount of debt it has left me in.


Whilst gambling I was applying for payday loan after payday loan desperately trying to find the funds to continue with gambling. I was allowed to get payday loans easily to feed my addiction. At one point I believe I had 7 payday loans from different companies at the same time. I have paid off many payday loans however there are many that have now been sent to debt collectors.


Is there anything I can do???


Any comments will be greatly appreciated - Cheers for taking the time to read

Edited by fkofilee
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Welcome to CAG. Glad to see you are slowly getting your life back under control...

If you check my signature (You wont see it on mobile) We have written a good guide on dealing with PDLs.


Have a full read... and then come back and lets us know where you are with accounts, amounts outstanding and also go check your CRAs


Receptaculum Ignis


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Hi Fkofilee,



Thank you for the quick response.



I had a read of your booklet and it states that none of the money is to be sued for gambling does this leave me in limbo?



My loans have been as follows




04th May 2015 - £200.00 - Paid



17th June 2015 - £350.00 - Paid

26th June 2015 - £50.00 - Paid

14th July 2015 - £50.00 - Paid

22nd Aug 2015 - £100.00 - Paid

29th Aug 2015 - £50.00 - Paid



07th May 2015 - £500.00 - Paid

24th Aug 2015 - £500.00 - Paid

08th Nov 2015 - £150.00 - Paid

30th June 2016 - £300.00 - Outstanding with Debt Collector



02nd July 2015 - £290.00 - Paid

26th Nov 2015 - £120.00 - Paid


My Jar

20th June 2015 - £250.00 - Paid



31st July 2015 - £100.00 - Paid



07th July 2016 - £100.00 - Paid

18th Oct 2016 - £100.00 - Paid

05th Apr 2017 - £250.00 - Outstanding


Different Money

31st July 2015 - £150.00 - Paid


Mr Lender

03rd Sep 2015 - £500.00 - Paid

31st Oct 2016 - £200.00 - Outstanding with Debt Collector


Wageday Advance

13th Nov 2015 - £100.00 - Paid

09th Dec 2015 - £100.00 - Paid

13th Feb 2016 - £250.00 - Paid

15th Aug 2016 - £150.00 - Outstanding with Debt Collector



28th Nov 2015 - £210.00 - Paid


24/7 Money

25th Jan 2016 - £80.00 - Paid

14th April 2016 - £155.00 - Paid

05th July 2016 - £230.00 - Paid



21st July 2016 - £250.00 - Outstanding with Debt Collector


Square Today

19th July 2016 - £200.00 - Outstanding



20th July 2016 - £200.00 - Outstanding



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Hello there - Quite the opposite.

They should not lend to you if there is a case of gambling etc Thats what it means.

You have a classic case of Irr Lending...


Read the book and follow the process. Check on here for other threads... See how other people have done this :)


Receptaculum Ignis


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Sorry what information am I looking for on the CRA my credit scores or accounts owing?




Edited by SJC1231

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