Jump to content


  • Tweets

  • Posts

    • It isnt a great thing to have to worry about all these things. I am sure someone on this site will offer some great advice.   Priority debts need to be sorted first; Rent/Mortgage, Council Tax, Utility   - Dont quote me as I do not know the legal points around this; but Overdrafts, catalouge, card debts are not priority. I would sit down and work out exactly what your priority debts and living costs are, deduct from your income. Look at all your cards, loans overdrafts etc, list them all, starting from the highest interest charging ones, think what and which ones to work out a realistic monthly payment, dont overpay what you cant afford.  I would consider not using the cards etc, as you will be adding to your debt and problems. I would contact someone Like Stepchange or Citizens advice, they will offer you some very good advice and ways of contacting your companies you have debt with. Dont be afraid of your debt companies, write to the fully explaining situation and what you can realistically offer, do not be preasurised into paying more than you can I personally prefer contact by post or e mail rather than telephone. Ive no idea what Factor, Monzo is, but may well fall in line with what Ive said.   Keep a note in a diary of every call you made or who contacted you, ask for names, keep and copy all letters to and from as this may be helpfull further down the line for record keeping.   Do not ignore contact as this just adds more stress for you and the problem wont go away.   Make sure you make your affordable monthly payments, every month, even if they say we wont accept it, its to low.    As you have a lot of stress going on, I would certainly contact someone like Stepchange or Citizens advice,    Good luck
    • Hy. Caring for family adult learning disability; full time, currently unpaid from work, unpaid carer - receive weekly carers allowance This is what I have searched on so far; - can only receive from employment £132 a week, after Tax, NI, deductions in all about £201.00 a week, but this is taxable and needs to be entered on tax submission, but if less than personal allowance then no tax may be paid? - I believe NI is paid as long as you get the carers allowance, although gap between break in employment and start of carers allowance may not be? -Should employment end due to company not happy in change of hrs and I have to leave, then only the carers allowance would for be the income, If UC is applied for would this allowance be deducted from what UC give or the person I cared for be affected - Savings may affect if you get UC or not - Certainly cant be available for looking for work as full time carer   anyone have any points, help or advice on this issue please
    • hy, In a nutshell; - current contract  work part time Mon to Fri 24 hrs - Unpaid year off break to become family member full time carer - Need to either go back to work at end of next month, start of July or leave - Application for Transfer was turned down   - Letter to go in this week with a application form to request change of contract, hrs, days so that I can look after family member - change requested will be work mon, tues, wed but not more than 13.5hrs or 14, then breaks deducted to stay within legal earnings limit as carers allowance is recieved - it is not possible to work thur, fri sat, sun due to care needs and travelling for adult disabled family member   ok; Ive done a bit of digging, I can send application  for reduction of the hrs and contract which i think the govt said I can legally do. Doesnt mean the company has to be bound legally by it. It may be that it isnt suitible and there for ask me to resign. Or they may agree! Or terminate my employment. But as I am a full time family carer for a family member within the same household, I should have a good case to argue.    Does anyone have any further knowledge or experince of this to advice me, what legal or other rights, but if I quit or asked to quit, would claiming benefits as such be suspended for quiting a job, thanks    
    • I’m looking for some guidance please. I’ve been reading up but am stuck on what I should do and going round in circles now.   Trying to manage my own DMP and making a mess of it I think.   My income is £1015 per month Essential outgoings: factor fee £93 pet insurance £81 (giant breed so quite costly) TV licence £13.37 Groceries for 3 adults and giant breed dog £309 Council Tax £111 Internet £36 Electric £59 No water/gas/car Public transport £30 Gifts £15 Mobiles £6 Debt to family £42 Saving £0 Leftover £220 (for creditors) Actual Original Total Due to Creditors £600 (pro rata started) So I’ve started negotiating pro rata payments while still trying to keep credit cards going for future emergencies (they are maxed now but if I can pay them down it releases credit for me to have as a back Up)   It’s all getting worse, I’m struggling, I have depression, my wife has depression and is unwell. Interest on 3 cards is over £100 so not really paying anything off.   I’ve negotiated pro rata on some and I think I’ve gone in too high because I’m really struggling with it, I forgot that when they ask for income expenses they don’t take into account that the factor bill is 3 monthly and therefore I need £279 by May 31st and not £93 as budgeted so already in trouble for month 2. Partner debts: Starling bank overdraft: £400, 2019. Pro rata £14 arrangement to pay, no default.   Tesco Credit Card: £100  started 1/12/2019; defaulted 7/10/20 £5 mth   Virgin Credit Card: £2700 started 14/5/18; defaulted 30/3/21 £5 mth   Marks and Spencer Credit Card: £850 started 18/10/19; defaulted 13/1/21 £5 mth   Nationwide Credit Card: £1500 started 30/4/19; defaulted 28/12/20 £5 mth   Barclaycard CC: £1400 (PRA group purchased it) started 25/8/18; defaulted 16/7/20 £5 mth.    Aqua Credit Card: £3900 (now with Cabot Financial) started 3/12/18;  defaulted 12/11/20 £5mth   Aqua Loan: £1700 (now with Link Financial) started 28/9/19; defaulted 2/2/2021 £5 mth   My Debts:   Monzo Loan:  £1900 October 2021 – permanent pro rata £39 agreed, not defaulted    Likely Loans: £1500 December 2021 – temp £14 pro rata, not defaulted    Monzo overdraft: varies up to £750  - temp £10 pro rata   Monzo Flex: £900 December 2021 – temp £11 pro rata   Fluid Credit Card: £1500 July 2021 (on a holiday until August) £0    Capital One Credit Card: £700 £40 mth (up to date)   Amazon Credit card: £2450 November 2021 £75 mth (up to date)   Next: £56 December 2021,  £5 mth (up to date)   My dilemma is I can’t pay the factor bill and have maxed my cards.   I wonder about going on a payment holiday with Amazon and Capital One and then negotiate pro rata using a part of the £220 left for creditors in time, so keeping the pro rata proportional.   In August my Fluid holiday ends and they want £80.   I’m not getting hassled by any creditors and prefer an option that keeps it that way but last night seriously thought should I stop paying all of some of them.   Thanks  Stuckfast    
  • Recommended Topics

  • Our picks

  • Recommended Topics

Newlyn ringing Works number regarding CTAX debt


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 1202 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi

 

A colleague received a telephone call from an enforcement agent who had got their employers details from the council regarding a council tax debt.

 

They are trying to sort this out but the enforcement agent was very aggressive and unhelpful (and asked if we knew where their partner works).

 

Has the council breached data protection by giving these details to the collection company?

Link to post
Share on other sites

Yes they have. Which company was the enforcement agent from?

Link to post
Share on other sites

Need to know if they are in house, or if the Council is infested with Capita, the EA is Equita or Ross & Roberts which they own. Council might use the this is OK as Enforcement is a legal process, and the Data is allowed to be shared with the bailiff excuse or reason. Needs looking at in light of GDPR.

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

 

The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

Link to post
Share on other sites

moved to the main bailiff forum

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... 

Link to post
Share on other sites

It was Newlyn, just asked them.

 

I suppose they could have got the employer from Linked In etc but still not sure they should be doing it.

Edited by dx100uk
merge
Link to post
Share on other sites

Hi

 

A colleague received a telephone call from an enforcement agent who had got their employers details from the council regarding a council tax debt.

 

Could it be possible that the colleague had previously had an attachment of earnings order from his or her salary to pay council tax arrears?

Link to post
Share on other sites

Possibly but surely council shouldn’t give debt collectors that information knowing they are an employee? It could lose someone their job.

 

I notice that the thread title has been changed to say 'Newlyn Enforcement Calling at Work'. From this, I am assuming that your colleague did not receive a telephone call on her mobile phone but instead; the call came through your employers switchboard. I am right?

 

Do you know whether the colleague had ever provided his or her employment details to the council? Is the employer listed on LinkedIn?

 

PS: You refer in your post to debt collectors. Can I just point out that an enforcement agent/bailiff is not a DEBT COLLECTOR. An enforcement agent's role is to enforce a legitimate court order.

Link to post
Share on other sites

Yes they have. Which company was the enforcement agent from?

 

Good morning BF,

 

I attended a presentation a short while ago regarding data protection and bailiff enforcement and as I understand it, (and please correct me if I am wrong) that enforcement companies could rely upon the exemption under item 3 of Schedule 11?

 

http://www.legislation.gov.uk/ukpga/2018/12/schedule/11/enacted

Link to post
Share on other sites

Employers switchboard, I took the call.

They asked for the person (who doesn't usually receive calls)

 

I asked who it was and they said "council enforcement officers".

I didn't pput the call through as they were unavailable.

 

They did have an attachment to earnings a couple of years ago.

They also asked for this persons partner.

They are worried the bailiffs will turn up here.

 

I guess it could be; but it is a little ambiguous in that, as I understand it, they cannot visit a workplace if the person is an employee which they must be if they had an attachment to earnings.

Edited by dx100uk
merge
Link to post
Share on other sites

Employers switchboard, I took the call. They asked for the person (who doesn't usually receive calls) so I asked who it was and they said "council enforcement officers". I didn't pput the call through as they were unavailable. They did have an attachment to earnings a couple of years ago. They also asked for this persons partner. They are worried the bailiffs will turn up here.

 

If they are worried at the prospect of bailiffs attendance, then all that is needed is for the employee to make contact with the enforcement company and get a payment arrangement set up. Trying to ignore the debt will not help matters at all.

Link to post
Share on other sites

as previously mentioned they are trying to sort this out.

 

They had a payment plan in place with the council directly for the arrears

 

their partner lost their job

the council refused to reduce the payment plan and insisted on the attchement to earnings which meant they almost lost their home

Edited by dx100uk
spacing
Link to post
Share on other sites

thread title update for clarity

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... 

Link to post
Share on other sites

Employers switchboard, I took the call.

They asked for the person (who doesn't usually receive calls). I asked who it was and they said "council enforcement officers".

I didn't put the call through as they were unavailable.

 

They did have an attachment to earnings a couple of years ago.

 

From your above response it seems that in fact, the local authority would have had the persons employment details. I am not so sure that there would be anything wrong in the council providing the telephone number to Newlyn's. I am pleased to read that the agent did not tell you that he was a bailiff and instead' used the term 'council enforcement officer'.

Link to post
Share on other sites

If a local authority wishes to get a debtors employer involved then they can easily set up an AOE. Having the bailiffs contacting the person's workplace isn't cricket. Broken record time here but they really need to run this past their local elected councillor, who will put a stop to it pretty much immediately, if they are worth their salt.

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

Link to post
Share on other sites

 Share

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...