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    • firstly , they are not a Debt collector [never confuse the two - a DCA chasing consumer credit debt is totally powerless and have ZERO legal powers to do or take anything - they have no more legal powers than you or I do ] these will be bailiffs and do they have legal powers.   However, the good bit is that unlike what you might have seen on TV, for a council CTAX liability order [please confirm there is or NOT a CCJ registered check your creit file] there is NO right of forced entry. The bottom line is, bar all the arm waving, is, that if you simply totally ignore them, they will eventually go away.   Now what they can do is two fold on CTAX. basically add fees to a set limit.   the first is a notice of enforcement letter. this comes with a fee of £75 and gives you 7 days to set up some sort of payment plan.   the second is an actual visit, where by a further fee of £235, whereby the fees are now £310 , the maximum they can ever add to the CTAX bill. this is typically accompanied by a threat to removed goods, it's cleverly worded or 'explained' to make you 'think' they can waltz in any take anything they like. THEY CANNOT unless YOU let them in. which you don't, nor leave doors unlocked as they can then enter through what is caused 'peaceful entry'.   in real term, the seizure of goods is limited to cars YOU might own that are not behind locked gated.   so i'm not too sure what stage you are at  so please clarify. the names of the bailiff company. how much you now owe the county council the CTAX is owed too.   one last point. they don't keep coming around they don't keep ringing. neither of those gander them anymore money so they don't bother.   dx      
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UKP

Halifax - Notice of Eviction

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Hello,

 

I have received a notice of eviction, with an eviction date of 9th December.

 

Is there any way for me to suspend the warrant and/or postpone the eviction date within this timeframe?

 

Thank you in advance for your responses.

 

UKP 

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Thread moved to the appropriate forum...you will have to expand on this...is it rental or mortgage ?

 

Andy


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Hi Andy,

 

Thanks for your response.

 

Firstly, I apologize  for posting the topic in an inappropriate forum area.  I will ensure to pay closer attention to that from hereon.

 

The property has a mortgage with Halifax, with a total arrears amount of £4000.  No proceedings have taken place yet; the notice that I have received is a claim for possession.    

 

I have spoken with the eviction team at Halifax, who asked for a financial review to be conducted over the phone.  I read comments on a post equivalent to mine in this forum, where a user had advised against doing so over the phone, so I have not done so.  

 

My aim is provide instalments in an effort to at least reduce the balance, prior to incurring ant costs for the issue to be addressed in court.

 

Thank you in advance for all responses,

 

Best Regards,

 

UKP

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Hi and thank you for the extra information.

 

Can you tell us how much longer your loan has to go please? Often it's important to know how long you have to catch up with the arrears.

 

HB


Illegitimi non carborundum

 

 

 

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Hi honeybee13,

 

There is a duration of 10 years left on the loan.  The regular payments are approx £880 per month.

 

Thanks in advance for all responses.

 

Best Regards,

 

UKP

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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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Hi,  how much could you afford to pay towards the arrears each month in addition to the normal monthly payment ?

 

If you can show the court you have the ability to pay off the arrears over a period of time then the  judge will suspend possession.

 

Let us know if you need help with defending the claim.


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My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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Hello everyone,

 

I apologize profusely for my delayed response,.  All of your collective insight has been extremely helpful...so I would not want any of you to think that I was ungrateful in any way, due to that delay.

 

Andyorch - thank you for the guides, the material contained a number of tips, much appreciated.

 

Ell-enn - At present, by way of some additional work on the side, I am aiming to place myself in a position to add, perhaps, £200 on top of the monthly payment.  As the possibility of that extra amount can only be confirmed at the end of the month, my worry is that, due to the claim of possession date being 9th December, that may be cutting things too close (?) 

 

Thanks in advance, as always, for your responses and collective insight.

 

Best Regards,

 

UKP  

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If you have received an eviction notice I assume there has been a repossession hearing prior to this?  did you attend the hearing ?

 

If so what was the outcome ?

 

 


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Hi Ell-enn,

 

I received two notices.  One was from Halifax, stating ''we're taking possession of this property'', which was dated on 19th September 2019. 

 

I also received another notice, from the county court, dated 17th October 2019, which contained a claim number and a warrant number, along with a  time and date of the intended eviction.

 

I attempted to attach images of the notices that I am referring to for your reference, a total of three, but each file exceeds the 4.88 mb limit

 

It appears as though some proceedings took place but I was never made aware beforehand, of the date and time of those proceedings, in order to attend them.  

 

If there is another way in which to receive the images for better reference, feel free to let me know, in an effort to aid clarification.

 

Thanks in advance for your collective response.  Much appreciated.

 

Best Regards,

 

UKP  

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read upload carefully


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

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OK,  you'll have to enter an N244 at court to get a hearing before the eviction to have it stopped.  We can help you with thatt.


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My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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Hi dx100uk,

 

Thank you for providing the correct upload instructions, much appreciated.

 

Hi Ell-enn,

 

Thank you for confirming the next appropriate step, along with providing the link to the applicable form.

 

I am in the process of filling the form out at the moment.

 

Regarding question 3...''what order are you asking the court to make and why?'' naturally, I would prefer a stop of the repossession order altogether...but is the protocol to request a suspension first, prior to a request for  stop of the order?

 

I also am unsure how to answer questions 5,6, 7 and 8.

 

Thanks in advance for all responses.

 

Best Regards,

 

UKP

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As ell-enn says to get the eviction stopped

You cant get the SPO removed


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Hi dx100uk,

 

Please bear with me, as I am totally unfamiliar with the appropriate protocol and terminologies.  Thanks.

 

As an answer to question 3, I will ask for the eviction to be stopped.

 

I am still unsure, regarding how to answer questions 5,6, 7 and 8.

 

All help is greatly appreciated.  Thanks in advance for all responses.

 

Best Regards,

 

UKP

Edited by UKP

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literally 100's here use our search

 

but here is one I found

 

don't forget your budget sheet too.

 

 


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Hi dx100uk,

 

Thanks a lot for that reference post.  I found a few of the answers that I had been looking for so far..and I intend to  go through the remainder of the post this evening. 

 

Will be back, in the event of any further questions, as well as to provide any updates.  Thanks again, much appreciated.

 

Best Regards,

 

UKP

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Post you stuff up here as a pdf first

read upload


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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I'm going out shortly but will take a look tomorrow.


Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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