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    • love the extra £1000 charge for confidentialy there BF   Also OP even if they don't offer OOC it doesn't mean your claim isn't good. I had 3 against EVRi that were heard over the last 3 weeks. They sent me emails asking me to discontinue as I wouldn't win. Went infront of a judge and won all 3.    Just remember the law is on your side. The judges will be aware of this.   Where you can its important to try to point out at the hearing the specific part of the contract they breached. I found this was very helpful and the Judge made reference to it when they gave their judgements and it seemed this was pretty important as once you have identified a specific breach the matter turns straight to liability. From there its a case of pointing out the unlawfullness of their insurance and then that should be it.
    • I know dx and thanks again for yours and others help. I was 99.999% certain last payment was over six years ago if not longer.  👍
    • Paragraph 23 – "standard industry practice" – put this in bold type. They are stupid to rely on this and we might as well carry on emphasising how stupid they are. I wonder why they could even have begun to think some kind of compelling argument – "the other boys do it so I do it as well…" Same with paragraph 26   Paragraph 45 – The Defendants have so far been unable to produce any judgements at any level which disagree with the three judgements…  …court, but I would respectfully request…   Just the few amendments above – and I think it's fine. I think you should stick to the format that you are using. This has been used lots of times and has even been applauded by judges for being meticulous and clear. You aren't a professional. Nobody is expecting professional standards and although it's important that you understand exactly what you are doing – you don't really want to come over to the judge that you have done this kind of thing before. As a litigant in person you get a certain licence/leeway from judges and that is helpful to you – especially if you are facing a professional advocate. The way this is laid out is far clearer than the mess that you will get from EVRi. Quite frankly they undermine their own credibility by trying to say that they should win simply because it is "standard industry practice". It wouldn't at all surprise me if EVRi make you a last moment offer of the entire value of your claim partly to avoid judgement and also partly to avoid the embarrassment of having this kind of rubbish exposed in court. If they do happen to do that, then you should make sure that they pay everything. If they suddenly make you an out-of-court offer and this means that they are worried that they are going to lose and so you must make sure that you get every penny – interest, costs – everything you claimed. Finally, if they do make you an out-of-court offer they will try to sign you up to a confidentiality agreement. The answer to that is absolutely – No. It's not part of the claim and if they want to settle then they settle the claim as it stands and don't try add anything on. If they want confidentiality then that will cost an extra £1000. If they don't like it then they can go do the other thing. Once you have made the amendments suggested above – it should be the final version. court,. I don't think we are going to make any more changes. Your next job good to make sure that you are completely familiar with it all. That you understand the arguments. Have you made a court familiarisation visit?
    • just type no need to keep hitting quote... as has already been said, they use their own criteria. if a person is not stated as linked to you on your file then no cant hurt you. not all creditors use every CRA provider, there are only 3 main credit file providers mind, the rest are just 3rd party data sharers. if you already have revolving credit on your file there is no need to apply for anything just 'because' you need to show you can handle money. if you have bank account(s) and a mortgage which you are servicing (paying) then nothing more can improve your score, despite what these 'scam' sites claiml  its all a CON!!  
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sherrif officers council tax charge for payment of money


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Hi, I have a letter delivered through letterbox by sheriff officers.

I have c/tax arrears close to 5k during period wife was terminally ill.

The letter is a CHARGE FOR PAYMENT OF MONEY from Stirling park.

 

After wife passed away 3 years ago it has taken me that time to earn almost a full-time income at the minimum hourly rate.

I also have a part-time self-employed income.

 

My mortgage was in high arrears but I have been paying £50 extra to mortgage for the 3 years and paid every month, so arrears coming down.

 

I wrote recently to Stirling Park offering £50 a month with a review in every 6 months as my income increased or not.

 

They wanted me to call them to discuss it.

However, I crapped out of that as I had heard stories of how you have to tell them where you work, bank details etc and how folk had wages arrested.

 

I really do want to pay this debt off,

however,

my house has negative equity due to the slump since 2008.

if they have my bank details and arrest my wages.

I miss the mortgage and they will seize the house.

They have been absolute unfair with me.

 

How can I get a deal with them without giving my bank and employer etc?

 

Also,

I have a car on finance through a high-interest company

so the remainder of the balance is higher than car value but I need it to get to work.

 

Can they seize my car or items on finance?

 

My payment record with mortgage and car over last 2 years is good with all months paid to show I can pay with an arrangement I can afford.

 

Anyone got accurate advice on this.

If I lose car-I'm screwed.

If the house is repossessed I lose thousands, increasing my debt.

 

I have absolutely no equity whatsoever.

 

All the furniture in my house is a wreck.

 

To make matters worse.

The job I am in would sack me if I had an arrestment.

 

It's a job of trust I have served well.

 

Not dealing with money but a job of trust all the same.

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contact the council directly whom you owe the CTAX money too.

tell the your story and that you are in dire straights.

 

you need to be pro active on this

as the sheriff officers WILL arrest your wages/bank account by hook or by crook

 

who's the council?

and how long has this CTAX not been paid?

 

are you getting all the benefits you are entitled too as well.

 

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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well I can say nothing more than my last post

you need to get this sorted.

 

have you check your are not entitled to any benefits etc grants etc?

 

entitled.to is a good site.

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

Contact your local elected councillor immediately, details should be on the web. Email and phone. Also copy in the local elected head

Of council.

 

Several threads here over the last month illustrating how they have stopped this type of action. In my situation they stepped in immediately to prevent an AOE!

 

Also the elephant in the room here. Have you been claiming your single person’s rebate. If not they will owe you money and you have every right to claim for it!

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

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I'm working lots of night shifts so I can do all this on Monday.

 

I'm working very long hours nights.

 

Question is

-Do I have to reveal my bank details and employment details to the council or Stirling Park??

 

And the other question that's important because I live in a very rural area and have to travel far to work.

 

CAn they seize my car if its still under finance and worth less than what I owe?

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no and no

 

but they can force you too via the court

you are in Scotland

its not like down south

they don't do things like seize cars etc.

 

but they can and WILL arrest your wages and bank account and you wont know about it till it happens.

 

but as this seems to be a historic debt, that would already of happened by now if they wanted too.

sorry but delaying this by another 5 days might be your downfall

if you can type here

you can use your phone

go ring the council NOW.

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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read the post I made

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

do as post 5

 

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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To repeat,

 

I am assuming you have been living alone?

 

If so you are entitled to the single person 25% discount.

 

This could add up to thousands of pounds over the years that could be taken off your debt!

 

If you haven’t claimed this,

call the council ASAP Monday.

 

They might even owe you money?

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

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