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    • I came across this discussion recently and just wanted to give my experience of A Shade Greener that may help others regarding their boiler finance agreement.
       
      We had a 10yr  finance contract for a boiler fitted July 2015.
       
      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
       
      It all started mid summer during lockdown when they refused to service our boiler because we didn't have a loft ladder or flooring installed despite the fact AS installed the boiler. and had previosuly serviced it without issue for 4yrs. After consulting with an independent installer I was informed that if this was the case then ASG had breached building regulations,  this was duly reported to Gas Safe to investigate and even then ASG refused to accept blame and repeatedly said it was my problem. Anyway Gas Safe found them in breach of building regs and a compromise was reached.
       
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    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
       
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
       
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
       
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
       
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
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Council Tax and Bailiffs ref only - NO POSTS ALLOWED


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Hi all. I'm new and it's not really council tax but does involve English bailiffs and me being in Scotland.

I was fined in my absence by a Magistrates court. They didn't issue any summons to me. I found out in 2003, one year after the court case that I had been fined. I contacted them and said that I hadn't done anything wrong and I heard no more until February this year. Six years later.

I got a demand for payment. I wrote stating that I had done nothing wrong. Next I get a letter from Marstons bailiffs. The usual, 7 days or else, £50 added on with a further £175 if they have to visit.

Can an English bailiff enforce a warrant in Scotland?

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its an interesting question because we don't have bailiffs in Scotland

its a long way to go to get told sod off or pog mo thoin (i think thats how you spell it) lol

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i had rossendales after us for Council tax debt after a long time i sorted it with the boss at the Council to pay monthly but he said i have to pay rossendales there money as if it was not for them they would not of found me which was £67 so i paid the council it so they could forward it to them just so i could pay monthly payments but they wont get it as i am going to add the debt to my bankruptcy only wanted topay the £67 to keep them of my back

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there is no law saying you have to pay the bailiff pay the council direct on line do not let the bailiff into your home if you have a car that is not on hp move it away from your house

remember a bailiff will tell you anything to get money out of you

hi have just read your quote about paying the council instead of the baillif i am in a bit of a stick sit i stupidly let the baillif in as he said there was no other time he could come back and as i was stressed trying to get three kids ready for school i gave in and let him in now i have tried to get the council to agree for me to pay them insteed of baillifs but they have said no chance and now the baillifs are saying that cos i have not paid them £100 pw they wil be coming to take my belonings,unless i pay up£500 where they think i have this kind of money i dont know.

what can i do know also can they only take what they put down on the list or do they then come and take what they like???please if you can help let me know asap thanks so much totty

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OK you got bailiffs knocking on your door for unpaid Council Tax. Here is what you should do.

 

DO NOT LET THEM IN, tell them to go away and sit down and print the below letter.

 

 

 

Understand the letter and stick to it, if you need 3 years replace 24 with 36 and so on, basically what I am saying is if you can only afford £10 and owe £1,000 you are going to need 100 months to pay it, but this is not a normal debt so keep it no longer then 4 years and 2 years is better.

 

The bailiff may attempt to get into your home again, just keep him out, he will give up and move onto more profitable calls.

 

Never again talk to anyone about his debt but keep everything in writing (you may need this). You may get threats of imprisonment for refusing to make payment,

 

covers this nicely as you are not refusing to pay and the courts can ONLY send anyone to prison when they refuse to pay which you are not.

 

Now charges, they may have over charged but first let the 14 days in the above letter pass is they have not sent you a statement in this time, it is time now to get hold of the Council as their employer, no need for S.A.R - (Subject Access Request) and the likes.

hi all have just been reading this letter and it sounds like a good one but i have just tried to come to an agreement with the bailiffs to sort out mine and they said that the can only give me a time line of 12 weeks do you think they are just trying to get the money off me faster or should i post this letter to them and see what they come back with she also told me that they would not be able to come to another arrangement and £80 pw is the least i could pay to them.

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Guest Happy Contrails

The law allows bailiffs to charge a flat rate of £10 for setting up a walking possessions agreement. If no goods have been transported using a vehicle then no van fee. The law otherwise provides reasonable costs for transporting and selling debtors goods. HMRC has a prescribed rate of 40p a mile but bailiffs are not obligated to follow this.

 

The law prescribing bailiffs collecting unpaid council tax is Regulation 14(2) and Regulation 45(2) of the Council Tax (Administration and Enforcement) Regulations 1992.

 

If a bailiff has overcharged you with his fees then reclaim them from the council enclosing a copy of the bailiffs document and a copy of the above-mentioned legislation. Its a criminal offence under S2 of the Fraud Act 2006 for a bailiff to charge unlawful fees. You have a right to complain to the court issuing the bailiffs certificate, you can ask police to investigate the criminal element to the bailiffs fee irregularity.

 

If you are still unhappy then call the HMCS public register of bailiffs on 020 3334 6355 giving the bailiffs name and ask which court issued his certificate, then complete a Form 4 addressed to the court.

 

http://www.hmcourts-service.gov.uk/courtfinder/forms/form4_0606.pdf

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Is it true that a bailiffs has to inform you that they have taken on your account and are acting on behalf of ****, before charging you for visits? I have had no letters at all and can prove this as the letter of Notice of Distress is accompanied by a letter from the bailiffs dated same day introducing themselves as acting on their clients behalf. Oh yes and adding £181.85 in charges. This date is 6 days prior to the date it was put through the door, so hope they are not going to claim that the letter dated the 1st was sent first! Seems strange both put together..... I intend to contest these charges to the council. Any good templates out there I can use please??????

 

Just found out also, that the car registration they put a levy on (which I thought was made up was actually a neighbours parked on the main road. They would have had to walk down my drive past my daughters car (not working) and put this through the letterbox. How can I complain about these bailifs???> Not acceptable.

Edited by k1mmie
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Hi,

 

Can someone help me please.

 

I am having to deal with a company called Rossendales, and yes I have been stupid and signed a walk in possession order:cry:, but thats because the man at the door said I had no choice as I hadn't got the £1600 to pay him - which I didn't know I owed as I was declared bankrupt last year and thought all debts went in that.

 

I made them an offer of £160.00 per month and they responded with £400 pm. I countered with £200 pm they came back with £400 pm I wrote a letter and included my income and expenditure and they sent a letter asking for £400 pm and proof of income. I sent them wage slips and an offer of £250 pm (which I can't really afford) and they sent my a letter sayig i hadn't sent the agreed amount of £400 p, so they were sending a man with a van. I sent them a letter stating that I had not received a response to my previous offer and have been sending them money as per my offers and the debt is now below £1000. That was 2 weeks ago and as yet they have not responded.

 

I'm sick to my stomach waiting for the man with the van. Please advise on what I do now???

 

Thanks in desperation

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l would like to thank everyone for their past advise, but could someone tell me, if bailiffs could just take my husband's van or get an attachment of earnings on my husbands wages, the bailiffs have not got in, despite trying their hardest and l have refused to sign anything. Thanks again.:confused:

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An update from me!

 

The DCA to which I had been paying £100 a month ceased to deal with me due to my making a late payment, they then sent me a letter from a Mr ****** (a bailiff) with his mobile number to contact; which I did. Mr ****** told me that my balance was £300(roughly)! This was news to me as I had calculated that my remaining payment was £93.50!

 

Our conversation carried on with Mr ****** saying, "I'll give you until the 16th April - but I'm putting my head on the block"! I then turned to this wonderful forum and was baptised with wonderful information!

 

I wrote two letters, one to the DCA where the bailiff is from! Informing them that I knew my rights and fees which can be charged legally by a bailiff - and informing them that no bailiff had visited my property and no document signed by myself either. I also asked for a breakdown of the charges the bailiff verbally told me of, and I am still waiting! I informed them that I would be paying the council direct. My letter to the council included a financial statement and a supporting letter from my GP, and a copy of my letter to the DCA. This was hand delivered to the One Stop Shop and I have a stamped receipt from the very helpful staff, which I must compliment because they are very helpful - which makes a pleasant change!

 

I have received no further correspondence from either the council or the DCA. Tomorrow is the "head on the block day" otherwise known as the 16th April!!!

 

I am indebted to those people who have donated their time to helping me, because without your help I would have panicked. A big thanks to you all!!!

 

seeker27

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Update from me:

 

Background:

 

Received huge bill from old borough I used to live in dating back 10 years owing about £2.5k also including the liability for an address that wasn't anything to do with me and a liability for an amount whilst I was living in a different county at university.

 

DCA threatened to send in the heavies, wouldn't budge, demanded £700 a month.

 

So:

 

Wrote to DCA telling them to back off (letter below) - didn't hear anything back

Wrote to the council tax office in my old borough, copied to my local MP in the old and current borough (because the DCA were local)

Called and called the old local council tax office to speak to the manager (by name) who didn't call back and followed up the calls with letters documenting all of my calls and letters

Copied everything to my local MP and the old local MP

Eventually the manager of the council tax office got in touch apologising for his lack of response and took the account back inhouse

Bill was investigated by Council Tax manager

Now received a new bill which is significantly less than the original (now £500 and have an option to pay by affordable instalments

 

So stick with it, find out who is the manager of council tax and don't bother with the call centre bunnies and write and call and write and call and copy your local MP about the fairness of the claim and the aggressiveness of the DCA

 

There is a letter on here for DCAs telling them you know your rights, send that and don't make any other phone calls to them, only correspond by letter and only with the template on here, just keep repeating yourself if you have to.

 

_____________________________________________________________

 

Xxxx

Xxxxxxx

Dear Sir/Madam,

 

Re: Case ID xxx

 

I understand xxx Borough Council has appointed you to recover my Council Tax Liability arrears between 1999 and 2003 amounting to a total of £xxx inclusive off fees.

 

Firstly I would like to make you aware that I am fully aware of my rights and you will not gain entry to my home under any circumstances to levy goods and I know the fees allowed under statute and when these fees can be applied.

 

I have requested that xxx Borough Council take back this debt pending investigation into the amount owed and that I am not in fact liable for one of the addresses at all.

 

I have said to xxx Borough Council that I am not at any point refusing to pay the part of the debt which is truly outstanding and will advocate a payment schedule to cover the principle once a final amount has been agreed. This will be a realistic offer that is affordable to me and will allow me to pay future bills issued for Council Tax without them falling into arrears and to cause hardship and will be payable directly to xxx Council by standing order on a monthly basis.

 

Please also send an itemised statement of account that clearly shows what charges have been added and what for, you are required in statute to supply this information and I look forward to this within 14 days.

 

I am sending the council and my local councillor a copy of this letter and requesting that it be filed with my account for further reference.

 

I hope the above meets your approval and I look forward to your timely reply by letter.

 

Yours faithfully

 

 

xxx

 

Cc

Manager xxx Borough Council

Local councillor xxx Borough Council

 

 

Good luck

 

MR2008:)

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Hello i sent this letter over 2 months ago and have kept up with the payments and they have sent 2 baliffs round this week!

 

What do i do?

 

Im at the point where i want to open the door just to smack the baliff!

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Hi I wonder if you can offer me any advice. I had a council tax debt which was passed to a bailiff company in dec 2006. I recieved a letter saying they would visit me. After a month jan 2007 they hadn't so I called to find out why, I was told it takes time. After another month feb 2007 I called back and offered repayments, the amount i offered was refused but they said they would halt proceedings if I sent in financial information and offered a reasonable repayment which i did immaediately. The payment plan was agreed by letter from them on the 16th april 2007. The debt has now been paid but apparently I owe 40.50 in visit fees on March 1st 2007 and April 11th 2007 I was not aware of these visits and The standing order set up by them ( payment 1 April 26th 2007, final payment jan 2009) did not cover these charges. Why did a bailiff need to attend and serve a notice of distress if I had already sent in my details and offered repayments which were accepted eventually. Am I liable for these fees? Why was the standing order set up til jan 2009 if it would fall short of the fees. What should I do they are threatening a van and £110 fee.

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Craftywytche It is Rossendales that I am dealing with, they are rude and just won't entertain my complaint even though i have called, written and e mailed.

I hate this!

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Hiya guys, hoping you can help me.

 

We've been steadily paying off our council tax arrears to Equita Ltd. On the 27th March, we paid off another one of our agreed instalments (online). Late last week, we received a hand delivered letter from Equita, saying that a bailiff had to been round to sieze goods for the outstanding amount. This was supposebly down to a non-payment.

 

When we called the bailiff, and pointed out that we had paid online and gave him our ref number. He said that the offices had no record of payment, and would call us back, obviously we heard no more.

 

Today, we received another letter demanding the balance. My partner spoke to Equita regarding it, and again was told someone would call us back. Where do we stand legally? Is there any law that states this as harassment etc?

 

I look forward to your replies.

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Hello All

I have had a letter from Swift to say that my council tax bill (which is in my wifes name) has been passed on to them for a sum of £641 for last years bill. i have wrote to them with the template letter to offer payment of £20 a month and gave acopy to the council. After this i went to the council offices and paid £50 off my arrears which they accepted and i have a reciept for, the latest letter from Swift says that my offer of £20 a month is unaceptable and that if i dont contact them within 7 days they will send an enforcement officer around. I have also sent them the template letter advising them that they are not allowed to enter my premises unless i ask them to . any advice on what i should do next, i am going to the council again on Friday to pay another £20. I have also changed the regisered keeper on our two cars to my name does this mean that they cannot take the cars?

Thanks

Edited by BURT96
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Hi all,

 

Similar experience to everyone else. Had Equita baliffs call yesterday regarding council tax arrears, I had an arrangement with them and was late paying one installment.

The guy was actually ok (well, he would be considering what he thinks he can make) anyway, this was before I read the posts here, thank god I didn't let him in!

However, my car was parked outside and when he asked if it was mine I said no at first, then a friend arrived, the baliff said he couldn't discuss things in front of him, I got myself into a tizzy trying to get rid of the baliff before my friend worked out who he was. So, when he asked again if it was my car I told him it was my fathers (true) but registered in my name...cheaper ins etc....he then said I'd have to sign for the car.

At this point my friend came walking down the drive, this guy's 6'2", the baliff took one look at him and said he'd post the form through the letterbox and he'd call me later to discuss the matter - so no signature from me - he did call back later but I ignored it. Oh and BTW my bill has jumped by over £200.

Now, I know to ignore any future contact but the problem now is the car. It has to be parked outside as my father is 81 and can't walk too far.

My question is this, can I 'sell' the car to my father and inform them that it is no longer my property and therefore they can not remove it from the property?

Would appreciate any feedback asap

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cattz could you please start your own thread

the bailiff has put a levy on the car so you cant sell it

in my opinion the levy is invalid as you have an agreement with the bailiff that you are paying a late payment is not a missed payment

as i said plz start your own thread the clever people that help with bailiff problems will be along soon to help you

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Hi i havent used this site much so sorry if i shouldnt post here. i have put my own thread on but no replies as of yet.

please can someone help me?

 

My partner rang me at work yesturday to say he had just had a Bailiff from Ross & Roberts at the door saying that we owe 700 to the council from our last property. my partner aske how as we were only there for 3 months and the bailiff said oh you werent there december then to which my partner said no. the bailiff said for us to contact the council if there was a quierie with the amount and that he would "be back in 3 days - (friday 24/04) to see what we can take".

 

What do I do now? I know that my council is a pain when it comes to taking debt back - I had a problem a few years back and they said once its with the bailiff theres nothing they can do.

 

Also wondered, i have got a back gate but they could get over the fence between me and my neighbours - although they would have to go up her garden path at the front to do it. we also have an alley behond and they could get over the fence there and there are no curtains on that back. could they look through the window and write stuff down that way?

 

because he opened the door already - not knowing who they were, can they get in next time?

 

The bailiff gave him a letter confirming who they are and the amount - he did not sign anything.

 

Thanks for help in advance!!

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hi was wondering if anyone could help, my council tax has just been passed to the balifs. So far i have only been sent one letter to say they will be arriving over the weekend to collect payment or remove goods. so i gave them a call and the guy told me he would give me to the end of this month to pay £589 this amount includes charges as i only owed £430 to the coouncil. so charges have been added even though they have only sent me this one letter. IS THIS ALLOWED?

 

I understand to write them a letter outlining their charges and not to let them in when they come but, i want to know how i can pay the council online or on the automatated service for the year 2008/2009 because if i make a payment like via those services it will go towards my 2009/2010 council tax

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Taya start your own thread and you will get help, I did.

I think though that on your letter from the bailiff there should be a client ref number which is the account number that you use to pay online maybe its different to your account 2009/2010 and so won't go towards that bill?? But I'm really not sure, try ringing your council and ask how you can pay them direct, don't give the bailiffs a penny.

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Please note that this topic has not had any new posts for the last 3517 days.

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If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

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