This is probably a stupid question, but I don't know the answer so will ask. Is there a difference between a bailiff removal letter and a notice of bailiff attendance other than the wording. Does one mean that they think they have already gained access. The reason for asking is that a few month back had a notice of attendance through my letter box. I never allowed the bailiff to come in and eventually wrote off to rossendales and made an arrangement to pay them over an extended period. Yesterday my brother arrived at his home to find a letter marked bailiff removal and that the bailiff would be back at his convenience and that only payment in full would be accepted. I have got a letter ready to go offering repayments, but I am a little concerned about the difference in the wording between the two letters. I do note they are 2 different bailiffs. I deal with my brother's affairs since he has learning difficulties and suffers from anxiety/depression issues. As far as I know Rossendales have never gained entry to his property before despite having attended before. He moved back in January and they never gained entry to his old address while he was there. They have also address the bailiff removal letter to the wrong flat so not sure if it actually counts as notice. Any advice would be appreciated.

Neither Lowells nor Aktiv are members of CIFAS, so cannot register or see warnings. I wouldn't have thought that having a PO Box address would contitute the sort of proof CFAS requires their members to have before registering a warning (although I have heard of certain lenders using CIFAS as a weapon) Are you sure they haven't just registered it as a linked address?

Oops missed that

Send them a letter telling them until you receive a copy of the proper CCA request, they will get nothing. However be sure to remind them sending a CCA that turns out not to be yours is a breach of the Data Protection Act and a complaint will be made to the IC if they send you somebody else's personal information. Imagine them sitting there scratching their heads trying to decide between complying with a CCA request and getting their money or not doing so and avoid accussations of breaching Data Protection. Last time this happened with me they wrote back inside a week to say they were going to write the debt off and remove all data.

Um just to point out here that Equifax state that debt related searches last 2 years not one and that where they have evidence it relates to you, the search will appear where creditors can see it. Edit: Sorry didn't notice this thread was dormant since last September. Didn't mean to bump.

Alternatively you could try something like this: Thank you for your letter, the points of which have been noted. You state it is your intention to obtain a ccj against me. I would point out that a ccj in relation to this matter was already obtained by (OC). Therefore any attempt to obtain a further ccj will be vigourously defended and costs will be sought. However, I would thank you for bringing this matter to my attention. This debt is subject to a ccj. As such I will be writing to the court immediately to ask the court to amend my payment order to an amount I can afford. I will send you a copy of the court's decision and will then pay the monthly amount they specify. yours blah blah blah Then get a form to change a payment order from the court and be sure to set the amount to what you can pay. Wait a few months and then write to the dca pointing out that you intend to pay them back in full, but realise this will take (work out how many years) to do and offer them an amount as full and final, specifying that should they refuse payments will continue at the amount set by the court.

You know if creditors were to look into their post system instead of blaming things on the debtor things would be a lot better. We all know that letters get lost in the post when sent to creditors/dcas. How many people have sent a letter demanding that they cease contact or demanding proof of debt only for the letters to disappear. If recorded delivery items can disappear somewhere between the post box and their desk, it's just as likely that the change of address letter also went missing. The association should be talking creditors into changing their systems so no post goes missing before trying to bully the government into changing the law.

Edit: Ah, rereading what they've said they've listed all outstanding council tax including current year which was already under an arrangement to pay. When all that is added together it does tally up. I will check with the council tomorrow to make sure I am reading it right, but otherwise my query is sorted and I can get on with making arrangements to pay them.

Letter received this morning from Chandlers to say the accounts are being handed back to North Somerset.

I've given up asking the council to take it back. I sent them a letter recorded delivery yesterday with his i/e included and told them they would receive payments weekly for a set amount for each account. That way the bill is being settled at least. I'm not really worried about the bailiffs anymore although looking through the paperwork it seems Chandlers started off using one bailiff, then reversed all her fees and allowed a second to have a go. I am suspicious that had I not contacted them on Monday telling the he was vulnerable, the bailiff would have returned each day with a different liability order just to get his fees up.

Just looked at his account. It appears they've refunded part of the fee but not the other part.

Thanks for that, it makes me feel much better. I happened to look on the Chandlers website last night to view the various bills. Seems they've deleted the fees charged by the prvious bailiff so this guy can apply new ones.

I'm trying to help a relative of mine who suffers sever learning difficulties and has gotten into arrears with his council tax (North Somerset) at his current and former address, and is currently being pursued for the amount by Chandlers. Having failed to make a payment arrangement with the bailiff, I have taken to making payment directly to North Somerset, gaining a receipt and email confirmation of where the money is allocated on each occassion. This morning he has had a letter through the door from the bailiff stating they will be back tomorrow at 6 AM to collect his belongings. My questions are: 1) They have never been allowed access to his flat, which is inside a converted house with its own locked door and flat number on the outside. If somebody else lets them through the communal door, have they been granted entry to the property? 2) Since they are collecting multiple Council Tax debts, do they have to gain peaceful entry for each warrant? Can they charge their attendance fee for each debt even though they pasted them through the door in the same envelope I just read the letter the guy left. He placed a levy charge for £30 and an attendance charge for £142.50 and is threatening to return tomorrow at 6am to take possession of 1 brown mat. Now my brother doesn't own a brown mat. The only brown mat I know of is the one just inside the front door to the building. Surely this levy is not legal.

Are you you it was CAG he was talking about? More to the point ask if it was definitely consumer action groups. Websites can sound very similar when when shortened to initials.

I have to love Aktiv and Thames when they talk about interest. Before I decided to CCA them once I wrote demanding that they provide me with details of the rate of interest they could charge and evidence that they were empowered to do so. They wrote back to confirm that the rate of interest they are entitled to charge was ... 0%

I think you'll find what has changed is that the credit file now shows these searches. I had a bunch of money laundering searches appear on my credit file in Jan 2008 for HSBC that were made in middle 2007. As far as I know these searches do not show during a normal credit search, they are a part of the audit trail.

What ever you do, do not report your card as lost. Get the card changed but do not report it as lost or stolen unless it is. These companies are similar to the old cheque cashers, they know that some people report their cards as stolen to get out of paying. You have a genuine problem with making a payment, the last thing you need is the extra stressed caused by. Better to just ask the bank to replace the card because it is damaged. Then if the card is invalid its because of the system and not because you have had the card stopped. Just a suggestion.

One suggestion, contact the bank and ask for a replacement card. You don't need to say why, but if you need a reason, just say its damaged. New card should have new expiry date if not new number and since the old card is usually cancelled the first time you use your new card in a machine, the company shouldn't be able to claim the money even if it happens to be in there. Then you can arrange a repayment without worrying about them trying to snatch money from your account

Thames has a habit of not only buying debts for which there is either no consumer credit agreement (or where the agreement that does exist is not legal), but also debts that are statute barred, have already been enforced by a county court judgement, and where the debtor has gone bankrupt. They are pretty indiscriminate

That sounds like a trick to catch you out to me... RB: I spoke to you on the 15th You: No you didn't RB: So you are x then

Just point out that CIFAS already operates what it calls a staff fraud database. They are very reluctant to explain who has access to such a database or whether information would be provided (if held) were CIFAS to be sent a SAR or how incorrect data would be queried.

Okay, this has happened to me before. What you have here is a company that has purchased a bulk load of debts or just this one debt and either haven't realised or don't care a CCJ is in place. They've sent out their standard letter to you. All you need to do here is write and tell them that the original creditor took the matter to county court in xx, give the case number and that you enclose a copy of the last order to pay received from the court. Then tell them that since the debt is the subject of a ccj, you will continue to pay the sum ordered by the court, but have noted the change in payee. If they write and ask for a new payment arrangement, just write again and remind them that the payments are in order with what the court has told you and that unless the order were to be set aside, then any further issues regarding the amount you are paying should be addressed through the court.

disregard.

My advice, send them a letter stating that you do not believe this matter to have anything to do with you and that they must prove that it does. State at a time when identity theft is at a high you would not send personal information to anybody unless you are certain the matter relates to you. Then add that they can resolve this if they are certain it is you by sending the information required, however you would point out that should they information not relate to you you would feel compelled to report them for breaching principle (?) of the Data Protection Act by releasing data without first being certain that the person requesting the data is the subject. In effect you have them caught in a catch 22 here. They can't send proof unless they are certain it relates to you, but how can they be certain when you yourself have denied it? You don't even need to send a CCA request since you're denying you're the person they're looking for and any attempt to pursue from here on would be met with a firm 'this has nothing to do with me'. Same thing happened with me when Thames contacted me a while back.

Contact the bank and report it as an unauthorised transaction. Insist that the bank make a charge back and replace your card so that this cannot happen again.