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    • god they've got at you haven't they. told you all the usual utter BS. a CCJ vanishes from your credit file on it's 6th B'Day regardless to being paid off or not or paying or not. same with any debt with a registered defaulted date - it vanishes from your file on the DN's 6th B'day regardless. creditfix are Knightsbridge, (they renamed) there are 100's of threads here on Knightsbridge, if i remember rightly 2 of the directors of a certain very big IVA provider were struck off for embezzling £1m's out of debtors. pers i'd stop paying now.  end of . just ignore them all. 99% of your debts are to utterly powerless DCA's and probably were never owed in the first place only goes to firm up my belief from post one..you got had blind. its very easy to deal with the debts even those with CCJ's. can you copy and paste what you credit file says regarding the IVA please?   
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    • Sorry I meant credit fix - I really wish I'd known this before - kicking myself right now  If they come back to me asking for more money I'll cancel it and start trying to deal with the debt myself let's see what they say  Feeling tempted to cancel it now but scared that some of the debts will do more CCJ's on me and I'll have to wait 6 years again.  2 of the CCJ come of this year and then I'll only have the iva in credit file - effectively if I'd have not took out the iva in 2021 I'd have clear score by now - but then again would I because I would have been hounded the last 3 years, as bad as it is it's saves me lots of headaches whilst my debt was still within the 6 year mark.  I think most of them are near there but in all honesty no point chasing them if I do cancel iva I'd jjst wait for the ones who contact me and then start the relevant letter process on them.  Of over 6 years easy if not still possible to write off. My true victory would be having the iva wiped off my credit file as mis sold or something that way I Don't have to wait till 2027 Other option is to fight back and ask for them to offer the creditors to accept payments so far and use the following method    Will your IVA firm agree to complete your IVA on the basic of funds paid to date? The Guidance lists a lot of factors to be considered in deciding whether a settlement on the basis of funds paid to date should be proposed. You should read the list. But that may not give you any feel for whether they apply to you or not. The following are my thoughts on when an IVA should be treated as settled, not failed. They assume that you have £75 or less to pay a month: if you would currently qualify for a Debt Relief Order, then your IVA should be settled now  There is no point in making your IVA fail and you have to apply for a DRO – it will not generate another penny for your creditors. If you are renting and owe less than £50,000, check the DRO criteria now and talk to National Debtline on 0808 808 4000 about whether you qualify. You may have been told at the start of your IVA that you aren’t eligible – still check now as the DRO criteria have changed, your situation has got worse, and some people were given incorrect information about DROs at the start. if you have no assets that would be realised in bankruptcy (eg a house with equity, car worth over £2000), then your IVA should be settled now Same as (1), there is no point in making you apply for bankruptcy after your IVA fails. if your only asset is a car that is worth less than £8000, then your IVA should be settled now A car that is worth say £5000 would normally be sold in bankruptcy and you would be given a small amount to buy a cheaper car. But your creditors would not get any benefit from this as the Insolvency Service takes the first £8000 raised to cover its own costs. if you have significant assets, the closer you are to the end of the IVA, the less reasonable it is to fail it If you have been paying your IVA for 4 years, you have done your best over a long period. It isn’t your fault you can no longer continue. The fact you may have had equity to release isn’t relevant as that simply isn’t going to be possible. if your situation will clearly improve soon, then it’s unlikely your IVA will be settled I mean real improvements, not hoping that prices fall. If I can get them to accept payment to date or threaten with cancellation hopefully they may accept it -  Other option is to try and borrow money and pay make a full and final offer  Or I can just ignore and hope for the best which I'm very tempted to do especially if they respond to my review with bullying tactics despite me being skint as a fart with no mortgage as renting  It's so stressful but I've just checked the iva agreement from 2021 and it's Cabot 2 accounts Lowell about 5 accounts and then lots of repeats of the same debt with for example zopa and Cabot same amount listed twice -  also loyyds banks but I'm sure that's older than 6 years and not on credit file anyway  If I can somehow remove the iva from my credit file I'd be happy 
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Is it illegal for council to refuse payment of council tax?


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I don't know how many different Councils there are throughout Britain but most of them will probably have referred to their local legal experts when The TCOG came into force and some will have no doubt received different advice from some of the others. Added to that some Councils CT is handled by Capita who have several bailiff companies under their umbrella. So if yours is one of the latter they may well have received different advice again.

But whatever you say, bailiffs are involved even by your own admission on Post 1. Do you think that your payment would have been refused had you paid earlier in the cycle before bailiffs were considered?

But you are where you are. I have already said that I could find nothing to support your idea which does not mean that you are wrong and I guess that time is running out for you.

The first thing to do is to write to the CEO and ask why your payment was refused. It seems a strange action when they are all claiming poverty and cutting services. You do need an answer

as proof that your payment was declined. If your case ends up in Court you will be able to claim that they should have mitigated their situation so by not accepting the payment it must mean at the very least that they can only charge the statutory 8% interest on the debt less the offer you made earlier this week.

Then you can contact a member of the Council possibly one on the opposition side and seek their advice on whether the Council can refuse payment. Another way would be to check with the

Local Government Ombudsman for information on the Council actions rather than as a complaint since then they would advise you to complain first to the Council. Hopefully just asking their advice might elicit some information that could be of help to you.

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WOW! That's a relief selectric, thank you. You know when you just know you're right about something but can't find any proof of it? I was beginning to wonder if I'd imagined the whole thing but I was sure that if it existed somebody on here would know something about it.

 

Yes, I would be very interested if you can find anything but there's absolutely no rush, as I keep trying to point out I don't need any specific help with my case at the moment, it's just something I'd like to find again.

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I don't know how many different Councils there are throughout Britain but most of them will probably have referred to their local legal experts when The TCOG came into force and some will have no doubt received different advice from some of the others. Added to that some Councils CT is handled by Capita who have several bailiff companies under their umbrella. So if yours is one of the latter they may well have received different advice again.

But whatever you say, bailiffs are involved even by your own admission on Post 1. Do you think that your payment would have been refused had you paid earlier in the cycle before bailiffs were considered?

But you are where you are. I have already said that I could find nothing to support your idea which does not mean that you are wrong and I guess that time is running out for you.

The first thing to do is to write to the CEO and ask why your payment was refused. It seems a strange action when they are all claiming poverty and cutting services. You do need an answer

as proof that your payment was declined. If your case ends up in Court you will be able to claim that they should have mitigated their situation so by not accepting the payment it must mean at the very least that they can only charge the statutory 8% interest on the debt less the offer you made earlier this week.

Then you can contact a member of the Council possibly one on the opposition side and seek their advice on whether the Council can refuse payment. Another way would be to check with the

Local Government Ombudsman for information on the Council actions rather than as a complaint since then they would advise you to complain first to the Council. Hopefully just asking their advice might elicit some information that could be of help to you.

 

Oh for gawd's sake can we drop it already? I have repeated time after time after time after time that THIS IS NOTHING TO DO WITH THE BAILIFFS. They are NOT involved, I've done what I need to do, i.e. a payment arrangement with the council to prevent it going any further. THAT IS NOT THE POINT HERE AND IS NOT WHAT OR WHY I'M ASKING SO PLEASE PLEASE PLEASE WILL EVERYBODY STOP TRYING TO READ BETWEEN THE LINES AND STOP JUMPING TO CONCLUSIONS!!!

 

The ONLY reason I mentioned it at all is because I knew everybody would start jumping in and talking about bloody bailiffs if I didn't post any case details. I actually thought I had mentioned it earlier (but can't see it now so maybe not) that the council had told me in an email that they WILL NOT accept payment and that it MUST be paid to the bailiffs, so I already have proof. I also have a screenshot of the declined payment, which reads something like "Your card details are correct but we can not accept your payment.

 

Look, I appreciate you're trying to help but I'll reiterate one last time, I'm not looking for bailiff help, payment advice or asking what I need to do to cover myself, I know all that already, inside-out. I'm simply trying to establish the legality of their statement. It's important to know if it's a point of law in otherwords, because if I'm right they're in for a whole world of pain.

 

I agree totally that it's completely nuts for them to refuse it but that's their problem and I intend to keep it that way. I'm not refusing or declining to pay my bill, nor do I need that kind of help, that isn't what this is about.

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THIS IS NOTHING TO DO WITH THE BAILIFFS.THIS IS NOTHING TO DO WITH THE BAILIFFS.

 

Maybe I've missed something, but you put this in your first post. 'our council tax account has been passed to the bailiffs and as such the council are refusing to accept payments'

 

 

HB

Illegitimi non carborundum

 

 

 

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THIS IS NOTHING TO DO WITH THE BAILIFFS.THIS IS NOTHING TO DO WITH THE BAILIFFS.

 

Maybe I've missed something, but you put this in your first post. 'our council tax account has been passed to the bailiffs and as such the council are refusing to accept payments'

 

 

HB

 

Fair comment, but I've reiterated a number of times since that my question, the purpose of my post, has nothing to do with bailiffs; that's the point.

 

I didn't post the whole tale, i.e that I've made arrangements to pay the council regardless of anything else because it's not the point of the post. As I said earlier I'm sorry I mentioned bailiffs because a lot of people have gone off at a tangent which is exactly what I knew would happen if I started to discuss he actual details of the case.

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See if Regulation 45 of the Council Tax (Administration and Enforcement) Regulations 1992 is what you are looking for.

 

Thanks, I'll take a look but no, I'm pretty sure it wasn't a Council Tax Act or Regulation.

 

EDIT: No that's definitely not it

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Fair comment, but I've reiterated a number of times since that my question, the purpose of my post, has nothing to do with bailiffs; that's the point.

 

I didn't post the whole tale, i.e that I've made arrangements to pay the council regardless of anything else because it's not the point of the post. As I said earlier I'm sorry I mentioned bailiffs because a lot of people have gone off at a tangent which is exactly what I knew would happen if I started to discuss he actual details of the case.

 

I think the reason people say bailiffs is because once theyre involved you have to pay their charges too. And from prior experience on here, theyre used to people asking for ways to evade those charges by paying the Council direct. Thats likely where the crossed wires are happening.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

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  • 2 weeks later...

Yes I have seen this also, in the BOS.

 

That particular act is about regulating the BOS or pawn broking community. Many items are pawned for a sum far less than they are worth, and the broker will prescribe a time the loan must be paid by. I believe it still happens in the antiques trade.

It used to be the case that the broker would make himself unavailable or simply not accept payment in order to gain ownership of the pledge, hence the law you speak of.

 

I am very glad indeed to see an authority refusing payment like this. However the reason would involve bailiffs. :)

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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Its a common problem on the fora, people take legislation out of context, and apply it to inappropriate situations.

 

Bit like going into the newsagent and asking for a kilo of pork chops.

Edited by Andyorch
Quoting own post ...removed

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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