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    • you need to realise that for every person that does come to CAG and register and tell their story...there are poss 10'000 that don't but search the interweb whereby threads that are here pop up relating to like issues they are searching upon.   Most CAG siteteam and many other registered Caggers give advice that bears this in mind and post information which not only informs the starter of a thread upon what to do, but also takes into consideration the readers from the interweb that also read the relevant advice given that might not be brave enough to register and fess up.   to that end, there is very little alternative than to appear to give 'grief' [you deserve it - tough] to a cagger should certain previous advice not have been followed.....yours is a very classic case of such. hey I've found a backdoor CCJ.   to put it bluntly, had you have followed such previous advice, you most certainly would not be in the situation you are in here now.. .so by example, not giving you grief, for future readers...………..   ...never ever move without informing a debt owner of a move of address on any consumer debt that you last used or paid within the last say 7yrs. your credit file is a major key to ascertaining that information.... .but don't just read this advice come to the consumeractiongroup.co.uk website and let us help.   lecture over... what can you do..or more importantly....what can a claimant do now they have a default forthwith judgement against you. well we can't guess.... they might simply ignore it as 1000's of people with CCJ's find out..but it becomes an issue should you wish to say get a mortgage, remortgage or further credit.   i'm not going to enter into any of that here...that's for the reader to start a thread here and seek advice on their individual situation specific to them as you have done....   so...  bearing the all of the above in mind...over to you with regard to this backdoor CCJ.   as for the other debts that you didn't action before...go read your old thread and action what appropriate advice is given there for each type of debt that has been given should you wish to avoid any further backdoor CCJ's.   dx                    
    • hello my very good helpful friend. I am afraid to say that i did not. As i did not realise the relevance of it.   Should i be doing this right now of anyone on my credit file ?   Plz don't give me grief if u have already advised me...   do i do the ccs request now to everybody in that thread ?    
    • aha busted and stupid ...no wonder you've got mixed information here. never trust anything they say ..they have a very bad reputation for stating the truth.   now can you go get your credit file please..   there are cases whereby a council on historic CTAX debts do go for a county court CCJ, but a liability order from a magistrates court has far more clout legally than a county court CCJ and i've never heard of a court sending a bailiff out for 'multiple' CCJ collection.   me thinks he is pulling the wool here a bit and has looked at your credit file and seen CCJ's too so thought he'd chance his arm and use those as further leverage.   don't worry about the sat visit simply ignore do not answer the door if he appears. your task is too gather data at present.   credit file please..        
    • 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
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elly_89

children savings and benefits

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Just a general question,

i've heard childrens savings accounts with £3000 or more affects parents benefits such as housing benefit.

 

 

If it's held in a child trust fund opened by govenment or junior isa,

both which can't be accessed until child turns 18,

are they also considered.

Or just standard accounts?

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rubbish

where did you read that?


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forums after googling and some council websites

which mentioned about child's capital of over £3000 may affect applicable amount.

 

i recently remembered my son has a child trust fund,

i didn't open it the government did.

 

I claim housing benefit and I declared his regular savings account which has £2300 which you can withdraw from at anytime

 

but i didn't declare his ctf as i genuinly forgot he had it and old letters were sent to old address

 

but after seeing an article about ctf

i contacted hmrc to get the details.

 

Have no idea how much is in it,

but i'm abit worried that if its over £700 he may have capital of more than £3000

 

I did look on gov website and it does say that ctf does not affect any benefits or tax credits parents receive but it still doesn't stop me from worrying.

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I did look on gov website and it does say that ctf does not affect any benefits or tax credits parents receive but it still doesn't stop me from worrying.

 

 

sats it all really.

 

 

go check with the .gov orgs that would KNOW rather than speculate.......?


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I'm one of them people that overthinks and gets paranoid about everything like what if they forgot to update the website about ctf etc. Do you know if i transfer it to junior isa which was made for kids not entitled to ctf, that too would not affect my benefits, i can't find any info about it.

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It is not your money so not considered in your claim unless you CONTROL it and you have already answered that yourself, it cant be touched until child is 18.

I have accounts for my grandchildren but my children's entitlement to benefits doesnt change because of it.

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So if my sons savings in his regular account where you can withdraw anytime reaches £3000 it will affect the applicable amount? It wasn't counted as part of my capital though but I can't remember if they even asked about my son's savngs account when i applied, but i did declare it.

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