hello, today i received a letter from Waltham Forest council demanding full payment of 971.16 for unpaid council tax. This was for an address i lived at over 4 years ago. I am willing to write back asking to set up repayments etc but the concern i have is that the letter states they had been trying to contact me and liability orders had been returned as baliffs were unable to gain access to the property. The letter gives no breakdown as to why the amount is 971.16, this is the first letter i have received regarding this unpaid amount since a phone call in 2003 in which i requested a discount and new breakdown as the only person in the property. I have been at my present address since 2005 under a different council and have not been contacted by WF council. am i compelled to complete the income info form or can i supply my own financial report with a repayment offer. Also the letter i receieved was unsigned which i found strange. please can anyone advise me? Appreciated:)

thanks for the link, ive read through quite a few of them already but had'nt really come across and answer to fit my needs ie the slc being passed on then taken back and so before i replied to the slc's demands i thought it best to seek advice.ta anyway

Thanks again Maybelline looks like you got it much harder than mine, in my case i just forgot about them from 94 to 2002 so basically dropped of the face of the planet, ive already paid them about 400 via capquest and thankfully slc have sent a staement recording the payments. good luck!

Maybeline thanks for your advice, unfortunately i have already owned up to owing the money, i do itend paying it back and yes eventually i will write to them stating how much i can afford to pay. my main bugs are 1, should i have been told by both Capquest and the SLC that my debt was being taken back off capquest? there is over 200 pound difference between companies. 2, should the slc have been adding interest to the debt whilst it was being handled by capquest? 3, there are no details in the credit agreement i signed way back in 94 of the deferment expiry date. would you have any advice on where i stand on any of these points and should i get evidence of all this before offering repayments terms?

hi i posted this via another thread but hoped i would get a better response from this one..really desparate for some advice. please help!!, this is a sum up of a situation i have and i'll try to be brief but bear with me. i took a loan via SLC in 94, never heard from them till 2002 when they contacted me via my work asking for money i sent a financial statement asking for deferment, never heard anything so took it as that was ok, then last year capquest wrote saying they had taken on the loan and demanding payment i wrongly assumed i was earning enough so dutifully started paying them monthly instalments of 75/m. at the end of last year SLC sent me a statement of my payments via capquest. on the back of the statement it also mentioned that earnings less than a certain amount could be deffered, i again forwarded a financial statement to the slc asking for deferment and stopped my payments to capquest. a month later after getting a solicitors letter via capquest demanding payment in full i contacted the SLC to see what progress had been made re my request. they tell me that my choice of deferement has expired so i should contine my payments via capquest.i asked for a copy of my terms and conditionsn and receive it with a copy of my origanally signed agreement so then i contact capquest offering to continue my payments but at a lower monthly payment of 50/m instead this they agreed in a a letter. today 06/02/07 i received a letter from the SLC demanding full payment which is 200 pounds more than i owed to capquest plus charges. i call the SLC and am informed that capquest were under agreement that if my debt hadnt been cleared by 2001 therefore they were taking the debt back. i have recieved no notification of this in writing from either parties. i realize now i could have tried to deny owing this money way back in 2001 but i was trying to do the decent thing. does anyone have any productive suggestions please.thanks

please can anyone advise me, this is a sum up of a situation i have and i'll try to be brief but bear with me. i took a loan via SLC in 94, never heard from them till 2002 when they contacted me via my work asking for money i sent a financial statement asking for deferment, never heard anything so took it as that was ok, then last year capquest wrote saying they had taken on the loan and demanding payment i wrongly assumed i was earning enough so dutifully started paying them monthly instalments of 75/m. at the end of last year SLC sent me a statement of my payments via capquest. on the back of the statement it also mentioned that earnings less than a certain amount could be deffered, i again forwarded a financial statement to the slc asking for deferment and stopped my payments to capquest. a month later after getting a solicitors letter via capquest demanding payment in full i contacted the SLC to see what progress had been made re my request. they tell me that my choice of deferement has expired so i should contine my payments via capquest.i ask for a copy of my terms and conditions and contact capquest offering to continue my payments but at a lower monthly payment of 50/m instead this they agree in a a letter. today 06/02/07 i received a letter from the SLC demanding full payment which is 200 pounds more than i owed to capquest plus charges. i call the SLC and am informed that capquest were under agreement that if my debt hadnt been cleared by 2001 therefore they were taking the debt back. i have recieved no notification of this in writing from either parties. i realize now i could have tried to deny owing this money way back in 2001 but i was trying to do the decent thing. does anyone have any productive suggestions please.thanks:???: