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    • i would suggest that you stick to researching on here only. use our search top right for say CTAX or liability order.   you seriously have some wild theories, but those are understandable.   as i have said, there won't be a court hearing you need nor would that help you at all nor are expected to attend, it's not like that, it's merely a rubberstamp exercise .   there is no right of forced entry for bailiffs collecting CTAX debts. the bailiff process is one of a letter which will be entitled Notice of enforcement, this gives you 7 days to pay the sum it outlines with an associated fee of £75 for it being sent. the 2nd step will be a visit, you have no legal remit to engage with them at all, i i would not do so under any circumstances, that visit will add a further £235 fee those are the only things a bailiff can do. the most they can charge is a total of £310.   police do not ever get involved in civil matters like CTAX debt. not sure where you ever got that idea from.   its saturday now so use the W/end wisely, get reading up HERE ONLY it might well pay you on monday to go RING the council CTAX dept and plead poverty etc etc. it might also pay you to find the email address or even better phone number of your local MP and get him involved. they can do wonders.   dx 
    • NPAP see here: VCS Spycar PCN PAPLOC now Claimform - no stopping - London Southend Airport ***Claim Dismissed*** - Page 7 - Private Land Parking Enforcement - Consumer Action Group
    • Hi Stu and dx1000uk,   I have done the online assessment and as I suspected I already receive the maximum benefits available to me.   Yes I was referring to the fact that some times I know that non-payment of council tax can lead to imprisonment so thanks for clarifying.   let's say I can't make their demands for payment and they do send bailiffs in, I assume these are the type of bailiffs I can just not let in and then after a certain amount of attempts they give up right? does the council then not send the police round? This is what I can't work out and worries me.   The council already know that I am struggling and can't make the payments but when do I get my chance to tell a court or the police that it's not that I don't want to pay but that I can't pay?    Walshy
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
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Meeting to ask for overdraft level to be reinstated


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Hi all,

 

My OD was cut by half recently, which will cause me some hardship, on top of which I also lost my job. I have a meeting coming up in branch to discuss, are there any do's/don'ts so I can hopefully increase my chances of getting my OD back to comfortable levels?

 

Thanks,

 

JB

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pers i'd be opening parachute account and bailing out.

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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pers i'd be opening parachute account and bailing out.

 

this is absolutely the best advice.

 

Predicted outcome of a meeting to reinstate your overdraft: – an offer of consolidating your debts into a single loan – with a bit of extra cash to tide you over.

Predicted consequence if you accept the above solution: – eventual misery.

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this is absolutely the best advice.

 

Predicted outcome of a meeting to reinstate your overdraft: – an offer of consolidating your debts into a single loan – with a bit of extra cash to tide you over.

Predicted consequence if you accept the above solution: – eventual misery.

 

Thanks, I can well see Santander using my current circumstances as a sales opportunity to swap an OD for a loan, which I'll avoid if we're talking about anything more than 20% APR, but I don't see how opening a 2nd account helps me.

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you by your own admission are living beyond your means . The sooner you get it sorted the less painful it will be .

 

Parachute account is the account that is not connected to any of your creditors and you have all your income paid into that , you then make a I & E form and then offer a pro rata payment to each of your creditors.

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opening a parachute account stops any bank you have an OD with from simply taking all manner of fees they want when they want

probably the root of your problems over all the years you've been with them.

you've been here +10yrs and should know this

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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you by your own admission are living beyond your means . The sooner you get it sorted the less painful it will be .

 

Parachute account is the account that is not connected to any of your creditors and you have all your income paid into that , you then make a I & E form and then offer a pro rata payment to each of your creditors.

 

Gotcha, now wish I'd done that instead my first month's salary going into keeping within the reduced OD. To be honest I don't have any significant public debts, 500 tops, and barely half has been demanded. I just want to feel comfortable while I'm jobhunting and getting back to the money I used to be on.

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