Bristow & Sutor. Ex's CTAX debt. Clamped MY Car and left. now i want to deed poll and pay all her debts

[bobandi]

Good Evening

I have a slight problem with Bristow and Sutor.

My now ex partner had an old IVA that failed she now has bailiffs chasing her for the debt.

Yesterday a bailiff turned up, did not knock on the door, just tried breaking in to the house, showed no paperwork, then clamped my car and said he can do what he wants when he wants.

It was my car and on finance in my name only. He said finance does not matter he is taking it.

Now as the debt is not in my name they refuse to speak to me but here is the thing the bailiff will not speak to me but is now chasing me for the debt.

Due to the breakdown of the relationship I'm moving out of the house she has already moved out.

everything in the house belongs to me with receipts to prove I paid for it.

The bailiff wants my new address and to call him with expenses for the day and to ask permission to buy things.

He says because we lived together the debtor has an interest in my things but then he wanted to know the address of my son and family members as he requires information from them.

Bristow and Sutor also refuse to talk to me how can he suddenly decide to chase me for the debt, the council who are owed the money also refuse to talk to me.

[dx100uk]

were you living there for the period of ctax that they are after?

if you were you are equally liable sadly regardless to the ctax account only being in her name for the property.

the car being on finance is immaterial.

what letters have you received at the property prior to the visit?

has there been a notice of enforcement.?

the bailiff was not trying to break in but checking for any points of unlocked entry, unlocked which they are quite entitled to do  

 

[bobandi]

We were not living together when this bill is from we had not even met. 

Yes there were notices that she hid from me I found all the post when she left.

He was physically trying to break in said he can.

He has been around 6 times since yesterday afternoon.

Left me his number to call him then refuses to talk to me saying he will only talk to the debtor.

Turns up and starts demanding I tell him what I have spent my money on and why I did not phone him before buying frosties.

Tonight's visit was to say he is having the water ,gas and electric cut off tomorrow and he will be visiting my new home when I move out this weekend.

He will also be paying a visit to my son's house not sure why he is 6 years old.

[dx100uk]

this is really bizarre he can do none of that. 

go into the council tax office in person with written proof you were not residing at the time of the bills, they would have gotten a liability order, then onto bailiffs . demand they get in touch with the bailiff company immediately and get he clamp removed.

but i must admit i dont believe half of what you think he is saying. 

 

 

[bobandi]

The council refuse to talk to me without authority from the debtor.

It is very weird the only comments I have had from Bristow and Sutor office is has he removed the clamp and he is very confused as to who he should be chasing for the debt. I spoke to someone else who said he has broken the law ten fold.

The last time I dealt with a bailiff he was nothing like this guy that was for someone with the same name as me they got the wrong perso.

[dx100uk]

can you not go in person?

they should not be suing you. a bailiff has clamped your car for a debt you can prove you are not liable for.

they ARE liable for the bailiffs actions, even though i admit busted and stupid enforcement officers are just that sadly from reports here.

 

 

 

[bobandi]

I can try it all the council will say is the field agent will pursue the debt as they see fit. I have made a complaint to the council who refuse to acknowledge it.

The finance company have said that the bailiff will owe the outstanding balance on the car as he has forcefully taken possession of the car.

I will see what happens today he is due back today says he will break in. The landlord has removed his right of access. 

[unclebulgaria67]

Go to the Police if the enforcement officer has acted in an unlawfull way. They have to act within the law, so cannot target property owned by a third party. Before clamping it, they should have checked who is the vehicle is registered to.

[bobandi]

From my experience the police will aid the bailiff. I was the registered keeper the finance company being the owners the finance company have now taken over the registered keeper side. The bailiff said he doesn't care he is taking the car. 

[dx100uk]

5 hours ago, bobandi said:

I will see what happens today he is due back today says he will break in. The landlord has removed his right of access. 

he cannot break in on a ctax LO debt, and removing right of access is silly freeman of the land twaddle.

if he turns up call the police immediately.

TBH: let him take the car, the finance are correct.

but there is far more steps that have happened here that you have not told us, i will guess these have led to the situation you are currently suffering, had you done thing properly and come here 1st off i suspect you would not be in this pickle now.

 

dx

 

[bobandi]

The landlord is trying to protect his property I don't blame him.

The finance company have removed the car clamp included hopefully they give Bristow and Sutor a bill.

If my ex had dealt with things first letter she had would have helped.

[Homer67]

So the clamp is off the car now?

There is no right of entry for CTAX debts so the Bailiff is way out of line here.

Do not let him in and tell him to go back to his office as you are not the debtor.

When you move out of the property make sure this is resolved as you don't want it following you around.

[bobandi]

The clamp was still on the car when they picked it up, it is probably off now, think Bristow and Sutor will be billed for it by the finance company so they have already lost money.

I have told him I'm not the debtor, he only uses it as an excuse to not talk to me, other times he wants to talk to m,e he is supposed to be looking for my son's house this morning said if he can cut child support I will have the money.

Hopefully I will sort it out today to be honest I kind of hope he follows me to my new place it's kind of a rough area they don't take kindly to bailiffs etc.

[dx100uk]

29 minutes ago, bobandi said:

if he can cut child support I will have the money.

so your ex is getting cs and you have the kids too?

dx

[bobandi]

My ex has my son I have other children that live with me.

[dx100uk]

aha so needs splitting, you are getting nowt?
dx

 

[bobandi]

No I get nothing I will leave it to the bailiff to go and sort out with my ex if I hear sirens later outside later I know he found him.

[bobandi]

Good Evening

Quote

I would like some advice, I split up with my partner after she moved out with someone new bailiffs showed up and went away after some arguing and threats by them. My ex got in contact saying I need to take on her debts these are from before we met council tax,rent arrears,court fees,credit cards,car finance. Basically before we met she never paid her bills, had an IVA and failed to pay that. My question is if I change my name by deed poll to her name will the creditors chase me as the liable debtor ? The council have said they will chase me from now on the bailiffs are refusing to chase me.

I would like some advice,

I split up with my partner after she moved out with someone

new bailiffs showed up and went away after some arguing and threats by them.

My ex got in contact saying I need to take on her debts, these are from before we met council tax, rent arrears ,court fees, credit cards, car finance.

Before we met she never paid her bills, had an IVA and failed to pay that.

My question is

if I change my name by deed poll to her name will the creditors chase me as the liable debtor ?

The council have said they will chase me from now on the bailiffs are refusing to chase me.

[BankFodder]

Firstly, please can you space your posts properly. Solid blocks of text are very difficult for people to follow – especially if they are using the small screen such as a telephone.

I'm not quite sure what you are asking here.
You got involved with somebody who was already in debt before you met.

Now they have left and you are on your own, they are saying that you need to be responsible for the debts that they had before your relationship even though these are nothing to do with you.
Is this correct?

Secondly, you are thinking about changing your name to your ex-partner's name and you want to know if this might result in your ex-partner's creditors chasing you.

I can imagine that if you had the same name as your ex-partner that it would cause you extra difficulty.
Secondly, I'm curious to know why you would want to change your name to that of your ex-partner when you have now split up.

[dx100uk]

you are not responsible for any debts solely in her name although joint ones, where you both signed up to, you can be .

as for say CTAX, Gas, Electric, Rent, :-

yes you can be made to pay these sums due from when you became a joint  resident with her.

what are the bailiffs after?

the rest like dca's can be totally ignored.

dx

[bobandi]

She had 6 years or so of unpaid bills before we met.

When we met I helped her move house ,turns out she was evicted.

She has now said to me that I need to pay all her old debts as it is my fault.

She did get an IVA for these debts but never bothered paying it so the debts have resurfaced after telling me she had sorted it.

She wants me to take them on so she can have a fresh start with her new partner.

I had the bailiffs chasing me for her debts then they backed down saying sorry.

I want to change my name to hers so that they do chase me for the debt.

The council said if I change my name to hers they will chase me, the bailiffs have said they will not chase me as I'm the wrong person. 

 

We only had one joint tenancy where I paid the bills and they were all settled. All debts are in her name.

[BankFodder]

As my site team colleague has said, they can't hold you responsible for debts which were incurred before you met her.

However, I hope you won't mind too much when I say that your plan sounds absolutely crazy. Although you aren't liable for the debts, it will simply encourage people to go after you.

Also, you have no idea about the debts that she might continue incurring and if you share the same name then it is a recipe for errors, misunderstandings, and eventually people believing that you are responsible and that it will be your credit file which will be smashed up for at least six years and probably a lot longer.
You will find it difficult to get credit or to borrow money for any other purpose. Meanwhile your ex may carry on incurring debt after debt after debt.

It sounds to me is if you still have a soft spot for her and you are trying to help her.
Wouldn't it be more helpful if you said that you won't have anything to do with it and that she needs to get help to deal with her spending problem and her debt addiction.
We are happy to help you – but frankly I think you are nuts!

Sorry….

[dx100uk]

why do you want to do that?

you are not responsible for any of her debts.

are you saying out of goodwill you WANT to pay her debts? so think that by changing her name this is achieved?

as @BankFodder says your posts are rather puzzling

[bobandi]

I realise that it is a little puzzling and that I'm not responsible for her debts it has nothing to do with me having a soft spot for her.

 

She will continue to run up debts and not pay her bills she has a problem where come payday she spends all her money on what she wants then thinks about bills then takes out payday loans to cover her bills then cannot afford anything. Then expects me to bail her out.

 

I have tried to help her but she will not admit how badly she is in debt she used to hide all her post.

 

My plan is change my name to hers that way the bailiff will come after me. The council she owes money to have said I will be liable for her debts so will chase me the bailiffs have said they know I'm the wrong person so will not chase me they will deal with me a different way.

[unclebulgaria67]

Even if you changed your name, you are still a different person, with a different date of birth, national insurance number, different credit records etc etc.

It is a bit like coincidently having 10 John Brown's living in the same block of flats.  They are all different people.

This all appears to be part of a mental health episode, where thoughts are not rational.

Your ex is spending money to make them happy for a day on pay day and then not able to deal with the consequences. Again evidence of poor mental health, where they need to be receiving professional help.

Best advice is to stop the destructive ways of dealing with this, which are not going to help and will most likely lead to more problems.  Seek help from local mental health services.

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