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    • Yes, you should have applied for an immediate strike out as soon as the deadline expired. Without the agreement, they are stuffed Forget Barclaycard, Asset link is now the creditor, and it is down to them to provide the agreement.  That needs to go into the witness statement. They have not provided the agreement contrary to directions of the court and request the court strike out the claim as to the original court directions.
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    • Paint is a free programme on any Windows PC. But don't worry, the choice here is not either perfection or nothing. As you say, use your scanner, save the file ... and then use the "choose files" option when you post to CAG to add the file. We can do all the redacting and converting to the correct file type at this end.  The important thing is just to get the info to us. Why not do an experiment this afternoon and see if the above works?  
    • I see they're trying to round up asylum seekers and lock them up for about three months so they can be put on planes to Rwanda. I'm a bit surprised that this is legal.  
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Rec'd summary warrant from Sherrif's Office over Council Tax non-payment


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Think your the only one that can answer that, I'm not sure how your mate's are getting away with ignoring their Council Tax debt.

Can you or are you willing or able to pay anything towards the debt, I like you, kept hoping they would 'go away' but they never did.

 

Are you employed.

 

Self employed. Registered business. Don't make a lot because people like to commission me to do work and then not pay me.

 

On working tax credits.

 

I really can't afford anything at the moment, and as far as willing to pay? Absolutely not. I will only pay if I have to to stop myself being arrested or my house raided.

 

How likely is that? I'll be shifting my stuff out of here within the next three weeks. How close am I to getting answering the door to two gorrilas who force their way in and nick all my valuables?

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I can get debt advice where I am going, moving into social housing. So debts I can't shake off like the student loans company can perhaps be dealt with at a later date, but right now I have other things on my plate, such as finding a place to live where I'm not wakened three times a night by ignorant people who live upstairs.

 

I will inherit more council tax down there as well.

 

If I lived in band E or above I'd not have to pay anything, thanks to the SNP and their amazing new compromise solution/cop out to their pledge to scrap council tax.

 

If your household earns under £25,000 and you are in band E-H then you can get a full exemption, and that applies to about three houses in the whoole of Scotland probably...

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They will almost certainly go after your bank account and probably pretty quickly since you are self employed and therefore dont have wages to arrest. I am not sure if they can or would go after your tax credits

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They will almost certainly go after your bank account and probably pretty quickly since you are self employed and therefore dont have wages to arrest. I am not sure if they can or would go after your tax credits

 

Not for at least 14 days though? And then they have to apply to the courts for that?

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It could be on day 15 if they have given you 14 days to sort it out yourself because they may already have the courts permission to do so. Have you had any arrestment before? If so its almost automatic, the second time it happened to me it was literally day 15

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Cant you just defer your student loan? I did it every year for about ten years because i was earning under the threshold with no problem

 

They made it more and more difficult to defer, and I didn't defer for a year and a half because I was abroad. They kept hassling me for the money, and so after a while I just said to heck with it. I've not corresponded with them for three years now and I'm moving so I just have to wait another three years and they can sing for it.

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How close am I to getting answering the door to two gorrilas who force their way in and nick all my valuables?

 

That's not going to happen, I was also self-employed when they tried to sequestrate me, I never really had anything of any worth so they went for my wife, arrested her wages ect and froze our joint Bank account though we only had a few bob in it so that was a wasted action on their part.

 

Reading your reply's I've a feeling your hoping to get shot of them in the next three weeks. Don't think arresting your wages is going to be an option for them and it sometimes work's out cheaper in repayments if they did.

 

I agree with Kirstyo, phone them and offer something, gets them of your back for a while.

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It could be on day 15 if they have given you 14 days to sort it out yourself because they may already have the courts permission to do so. Have you had any arrestment before? If so its almost automatic, the second time it happened to me it was literally day 15

 

Arrestment of what, me or my bank account?

 

I can probably avoid that happening by offering them a tenner a month again I guess.

 

I'm not sure I can go into their office again without suffering a ptsd relapse though.

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That's not going to happen, I was also self-employed when they tried to sequestrate me, I never really had anything of any worth so they went for my wife, arrested her wages ect and froze our joint Bank account though we only had a few bob in it so that was a wasted action on their part.

 

Reading your reply's I've a feeling your hoping to get shot of them in the next three weeks. Don't think arresting your wages is going to be an option for them and it sometimes work's out cheaper in repayments if they did.

 

I agree with Kirstyo, phone them and offer something, gets them of your back for a while.

 

I'll go into the office next week and try not to spit at them through the glass. No, usually the folk in the office are nice and just doing their job. These two monkeys were a bit annoying though.

 

I hope that little Wolf Of Wall Street fan boy grins that way at the wrong person some day, I'm sure he will.

 

If they tried to sequestrate my bank account they wouldn't find much money in there right now, also because I'm going to lift it all now in case they do. Also I just changed my address so that might make it difficult for them.

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My wages arrestment saved me 20 quid a month on what i was paying before it

 

They can't make you pay more than £2 per week, right?

 

I'll give it ten days and offer them a tenner, oh sure ten quid a month thereafter, very sorry for forgetting to pay I was depressed etc.

 

What powers do they have to find out your bank account? I have two bank accounts and so I can transfer my tax credits into the one they probably wont find out about every four weeks just in case.

 

But that wont happen if I offer them money...

 

I was hoping I'd get away with just doing a runner and they'd forget about me. I suppose they can get my new address from the council I am moving to though, right?

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They have ways of finding things out, i have no idea how. If both your accounts are with the same bank i dont know if that would work.

 

I have moved out of the council area i owe money too and they didnt forget about me. I would honestly just offer what you can because they dont tend to go away

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Different banks.

 

I guess I can at least probably get away with shaking Thesis off my tail. I owe the DWP about £350 as well, but that's probably never going to chase me unless I sign on at the job centre again. So I got about £1,500 I owe Scot & Co and so maybe I can offer them a tenner a month and a tenner a month to my new council area and try REALLY HARD this time to not let it slip and get into debt and end up with additional charges.

 

As well as the surcharge for this they slapped an £80 charge on as well to this so now I have to pay about £100 more than I could have before.

 

More paperwork... do I just write to the council and tell them I have moved out on such and such a date when I move out?

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  • 1 month later...

I'll give you a personal insight on any money owed to a government department.

 

I owed the then DHSS £1,000 for overpayment of benefits.

I ignored them,

despite various threatening letters,

moved house 3 times and eventually split up from my wife and married again

 

Fast forward 25 years and I claim my state pension and get the letter explaining what I was due and payment dates.

 

 

Just before first payment was made I received a letter informing me that the first six months of pension payments would be deducted a sum of £160 to claim back the money owed.

 

I laugh at it now but at the time I wasn't best pleased but nothing could be done about it.

 

So folks,if you owe money to the government...........:-)

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should of sent them a free sar and make them prove the debt was owed.

 

 

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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