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    • Different statements. One has “at 59 mph overtaking on the approach” and the other “it was overtaking on the approach and in ....... at 49 mph”. So not the same statement (same ethos, different sentence structure).   perhaps they chose that site for the officer because it is an accident hotspot, and they know people do dodgy overtakes (while speeding) there .....??  
    • Hi.   I've moved your thread to the Bailiffs forum. People should be along to advise later.   HB
    • So a little update;   Of the 6 letters I sent 3 were acknowledged. One accepting £1/month for now and two from the same creditor trading under different names asking for full I&E which I haven't done.   In a moment of madness I managed to depsoit 5k to a gambling site I didn't have due to paypal's crazy policy of allowing payments which are to be collected by direct debit after a couple of days to gambling sites! Mad they allow this but this will show as a negative paypal balance (in a different account to the original "debt"). The first paypal -£5k account has been closed and passed to a DCA now. I have ignored them.   My council has appeared to have stepped up their collection efforts for £2.5k in alleged housing benefit overpayment from 2015/16. I have acknowledged their letters over the past 3 years each time by email but they rarely respond to my pleas. I truly think if there was overpayment then it was for less than half the amount they claim. At the time I didn't think I was being overpaid because I wasn't really working but I had stopped claiming JSA/ESA (and told them as much) but earned a couple of hundred pounds a month from sporadic work.   Also what I thought was a dormant debt from 2016 to Halifax has been actually sold ( to caboot? I think. Hard to keep track of everyone)   I've been getting phone calls daily but ignoring them for the most part. I did request all communication in writing in my original letters.   I feel incapable of dealing with these creditors and whilst initially I was feeling that I would be happy to just ignore all the letters (arreas, defaults and the like) and phone calls for an indefinite amount of time and  hope to make it 6 years to statute barred-ness and accept or defend any CCJ attempts that did arrive. I figured that avoiding these creditors for 3 months so far is 5% of the way there to statute barred! But I figre for these fairly sizeable amounts they probably won't all let it go and I will get some CCJ docs (never had to deal with that) However now my mood and thinking has changed.    I am looking again at insolvency. I'm over the DRO limit now so its BR or nothing. I was wondering why you said to not consider this and it would be stupid @dx100uk? Although shirking my debts/responsibilities it does seem like an "easy" way out at the moment. It would be so nice to know that what's done is done and to be able to draw a line in the sand and start again in a year or so and not have to avoid creditors or worry about what's coming next...   It certainly would help the environment what with the amount of letters that are arriving already(!) considering the first payment I missed was october/november (excluding the old halifax and council debts). I am exordinately stressed about it now even though I thought I would be already . Any advice would be great if it was to get my head out of the sand and contact people/do the ignoring thing and seeing what happens/reasons  to do or not to do bankruptcy for these unsecured debts?   Thanks      
    • Hi everybody   Had a knock on my door and was confronted by either a Bailiff or enforcement agent (not sure about the specific job title). When I opened the door he stuck his foot in so I couldn't close the door. I was video taping him so I took a few steps backward (to get him in shot) and he just fully entered the property despite me saying that I was denying him entry and he refused to leave thereafter.   Turns out that he was there to collect a court issued fine. I think from a Magistrates Court. He worked for this outfit:   www.marstonholdings.co.uk   The reason for the fine was something to do with "driving without car insurance". Now I had a cheap car a few years ago but it broke down and would cost more to fix than it was actually worth. So I sold the car for scrap and cancelled the insurance. Turns out you have to inform the DVLA when you scrap a car and them that it is no longer on the road (I was unaware). So this was the circumstances of the visit.   My question is did he have the lawful right to enter the property? I always thought these people were like vampires i.e. they can only come in if you invite them in.   tia Bear  
    • oppss again then if its the same person.   knows the road well so should know what the speeds are and where they apply..      
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Jyst before xanax last year literally a week I recieved letter from Phoenix debt collector for overdue council tax. 

With their feex its £1930 baluff wanted full payment inside no chance 

He said ok I'll give you until 27th if jan to pay...

Again no chance 

 

My take home pay is roughly 250 a week as I'm a self employed massage therapist 

 

So I thought contact the council...islington council said ok you gave until April to pay it off. 

I tell the baliff company this and adj fir an instalment plan... no you have to pay in full....

Advise would be appreciated as I'm expecting another visit soon .

By the way I didn't let him in only spoke on the phone 

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If Islington Council are happy for the debt to be repaid by the end of April, then it is for THEM to inform Phoenix.

The enforcement company are acting in the capacity of agents for the council. 

 

However, given your take home salary, I would suggest that you would struggle to get the debt paid by this time. 

All councils require outstanding arrears to be repaid by the end of the financial year (end of March) before new council tax bills are issued so it is not surprising for the council to have said this to you. 

 

The time when a payment arrangement should have been made would have been on receipt of the Notice of Enforcement from Phoenix. By not doing so, you have also incurred an 'enforcement fee' of £235. The problem that you also face is that when a personal visit is made, the PURPOSE of the visit is to either obtain FULL PAYMENT or alternatively, to 'take control' of goods. Do you have a car in your driveway ? If so, this is at risk of being seized. 

 

 

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Thanks for your reply.

No I dont have a car and reading back I see I did not receive a letter charged at £75.00  but went straight to as you have correctly quoted £235.00 .

As I mentioned I did contact the company /baliff but was told no full payment.

 

I guess I'm just after a workable  solution as it did go straight to enforcement.

 

Thanks for your reply.

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Just explain it all to your local councillor. Their email / mobile details should be on Google.

 

They will be able to help you arrange an affordable (to you) payment arrangement. They also have complete power to override the Recovery Department and take the Bailiffs off your case.

 

Let me know how you get on. 


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As you had contacted the bailiff after a personal visit, then it is usually always the case that full payment is required. 

 

As you do not have a car, and have not allowed the bailiff into your property, the bailiff can do very little but to accept a payment arrangement that will see the debt paid by the end of March (as agreed by the council).

 

Suggest to the bailiff that you can make payments weekly  (or monthly) of £xx that will see the debt cleared in the timescale agreed with Islington Council. State also that you do not have a vehicle and that there is nobody that can assist you with paying the debt. 

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Just another example of how Enforcement helps not to clear debt by increasing it.


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!

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Was there no interaction between you and they authority before the warrant was applied for?

Have you at any time submitted a statement of income and outgoings, to anyone?


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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On 24/01/2020 at 10:48, London1971 said:

Just explain it all to your local councillor. Their email / mobile details should be on Google.

 

They will be able to help you arrange an affordable (to you) payment arrangement. They also have complete power to override the Recovery Department and take the Bailiffs off your case.

 

Let me know how you get on. 

 

@daisy72 How did you get on with this?


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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10 hours ago, Dodgeball said:

Was there no interaction between you and they authority before the warrant was applied for?

Have you at any time submitted a statement of income and outgoings, to anyone?

 

 

If not. Now is the time to do it.

Write to the council with a copy of your I and e, offer a new payment based on those figures. One you can maintain. Ask for the warrant to be taken back. Tell them about the amount the claim has risen by.


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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