Showing results for tags 'arrears'.
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Hello, Found myself stuck in a bit of a situation and feel over my head. Have just received a letter from Lowell solicitors in the post titled 'Second notice of county court judgment (ccj) arrears - £150' This is from an old debt from orange dated 2013 or thereabouts. i last received a letter from them in 2015 and have never contacted them in-regards to the debt. The letter starts We wrote to you previously regarding your judgment arrears, but we are yet to receive the payment as required under the terms of your CCJ. As a result you currently have arrears of £150.00 This is the first i have heard of any CCJ or any letter other than in 2015, the debt is for a small amount of £590 repayment is no issue, but i wish not to cause further harm to my credit file. I have checked my credit score on clearscore, no sign of ccj or any changed or listed debts etc. Paid and checked my name and address on registry trust,once again nothing registered. My problem is where do i go from here? Who do i contact? What do i ask? Why isn't this supposed CCJ showing on my credit file or the trusts website? My current address i have lived in 8 months and is registered to my name on electoral roll etc. Previous address i lived in for 3 + years. The letter further on threatens county court bailiffs etc attachments of earnings etc. Repaying the debt is no issue, what is important to me is my credit score. having spent the last 4 years rebuilding it i would like to keep it on the up. Ok so i have just checked my credit file in depth, i have just found this. What changed in August 2017 You are now on the electoral roll at your current address •You opened your LOWELL PORTFOLIO 1 LTD (I) •Your LOWELL PORTFOLIO 1 LTD (I) account went into default •You closed or settled your LOWELL PORTFOLIO 1 LTD (I) account When i check on noddle i am greeted by this active court judgment. Judgment date 20/06/2017 Amount £ 587 Court name County Court Business Center On the accounts page it shows an open account with Defaults monthly since the opening of this account. Looks like my credit score is shredded Thanks in advance guy.
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I purchased a Leasehold property on 30 Oct 2014. Since then I have had no demand for ground rent until this morning. I have received 13 x 6 monthly demands for ground rent dating back to July 2011 totalling £975.00. All of the demands are stating that payment is due on 7 October 2017 so there is no suggestion that previous demands have been sent. I have yet to discuss this with the solicitor who undertook the conveyancing. Can anyone tell me the legal position with this?
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Does anyone know whether ESA is paid one week in front and one week in arrears or is it 2wks in arrears ?
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Lloyds Banking Group is to repay nearly £300m to about 600,000 customers over failings in the way it applied mortgage arrears policies, in the latest scandal to hit the UK’s biggest high street lender. Sky News has learnt that Lloyds will unveil a customer contact and remediation programme on Thursday alongside half-year results that will also be blighted by a bigger-than-expected provision for mis-selling payment protection insurance (PPI). Sources said that the redress scheme would cost Lloyds just under £300m, with more than £50m also set aside to cover administrative costs. The issue is understood to centre on the way Lloyds applied policies relating to financial difficulty assessments, leading to some customers being charged in error between 2009 and 2016. https://uk.news.yahoo.com/lloyds-repay-300m-customers-over-mortgage-arrears-errors-173400189.html -
Hello, The landlords had started court proceedings for rent arrears, £3,500 although they have submitted incorrect amount to court I put in a defence providing as much info as I could & telling the court I was getting further legal advice. In the meantime I've sought legal advice from Which Legal who confirm that the landlords were in breach of Gas Safe Regs. I've then spoken to Gas Safe Register, I luckily got to speak to an Incident Investigator who said I must definitely report the landlords to HSE. We were in grave danger the entire time we lived at the property & the landlords failed to meet even the very basics of their legal obligations. The only reason there are rent arrears is because I became so ill I couldn't work for a year, still struggling now. Not sure what to do about this claim for rent arrears as I've been sent a Notice of Proposed Allocation to the Small Claims Track to be returned before 7th July. Which Legal can;t help as it's already at court, they told me to contact Shelter, Shelter say thay can't help any further because it's already at court?! Is there anything I can do? Get it delayed in any way? Should I update the court with the info that the landlords were in breach of Gas Safe Regs & further action is starting against them? What do you think would be the best way forward? Will I have to pay the arrears when the landlords were the cause of the arrears? I'd really appreciate any help or advice. Thank you reading my post -
Council Tax Arrears
ahmed35 posted a topic in Local Authority, Council Tax and Business Rates Issues
Hello Need some help please? I’m currently in arrears for previous 2 council tax bills and paying installments to clear balance. This year’s bill 2017-2018 has landed and council are threatening to take recovery action if installments are not made to bring account up to date for current arrears. I wrote pleading with council I am fully stretched on making payments for previous years and kindly add this amount together, payments will remain same until full balance is cleared out. My current payment plan is £160/mth. My Tax bill for year is £900. I cannot afford anymore to pay and worried they might increase debt by summoning to court adding further charges for this year’s bill. I want to pay and with current installments I will clear all arrears eventually but council will not budge. Any template letter I can send them that may make them change their mind and accept my plan? TIA. -
Dear all I would be very grateful for any help with my situation. I had a SPO following mortgage arrears (£3600) in 2008. Since then I have been making my contractual payments but had missed payments on three occasions from unexpected expenses resulting from direct debits being returned unpaid. I was in a particularly bad financial condition in the last 6 months following an elderly family member falling unwell while abroad. The mortgage arrears accrued to £3400 again and the mortgage company ( a subprime lender) has now applied to the court for a warrant for possession. I panicked and raised money from friends and family to clear off the arrears, but the lender is refusing to accept any payments and instead insists that I send them last three months of bank statements before they would decided whether to accept the payments or not. They insist that until I serve them the bank statements, they can't do anything about the eviction and says an eviction date will be issued in due course. They also made me complete an income and expenditure with them over the phone. I am very reluctant to send in bank statements, since with the financial difficulties over the last three months, I have resorted to payday loans (cleared) and I am very worried this will again jeopardize the situation. I am otherwise in a stable job and would be able to afford my contractual payments going forward. I have raised the money and want to clear the arrears but I am left in this dire situation. With family and young children, it looks as if my fate is sealed. May be someone else on this forum would have had a similar situation and I am sincerely hoping for some advice and help. Apologies for the long post. -
Hello, just to give some basics. The past couple of years has been seriously bad healthwise and has caused the obvious roll on effect of being skint because i am stupid enough to be self employed. Money being tight and getting even tighter i have allowed myself to get in trouble with my council tax. On my 2016 account i owe £116 + £75 compliance stage fees, this is now with Collect Services. I have agreed to pay £20 per month on this which should get me out of trouble. Unfortunately, and please don't judge me as i have suffered and still am with severe depression along with many "real" ailments ,i have now got into trouble with my 2017 council tax. I received the bill in April with imstallments,but i have not paid any. So far the council for whatever reason have not contacted me, i am going to start paying the minimum amount plus additional to catch up, however i do not see the council accepting this and fully expect it to take the same route as the 2016 account and end up in the hands of the bailiffs ... ANY ADVICE ON HOW TO DEAL WITH THIS WOULD BE GREAT. Thanks Dan -
Hiya all, Trying to help my brother out, He has been issued with a money claim alongside a section 8, They are for differing amounts but issued on the same day which is odd I am going to help him out with responding but a quick technical question should a letter before action have been sent to him beforehand? I know it is practice for companies but not sure if applicable to rent arrears? Also worth saying he wrote to LL on date it was issued asking for a rental breakdown as he disputes the amounts ( especially as different from the section 8 ) and it was signed for the day after ( 13 days ago ) he believes the LL has applied his own charges and then implemented them without a breakdown to him. I am assuming he defend it on the basis that the LL has not responded to his asking of a rental breakdown/ any charges applied? -
Hello I have received an email from Bristow and Sutor that looks like spam but it caught my attention purely because it is addressed to myself and my ex. After looking up the company online I am certain it will be due to council tax arrears from 2012. At the time we we’re living together, sharing with another couple. We called the local council, we wrote to the council and I even sent a bankers draft in the post with a letter explaining that we would like to start payments etc and we received an acknowledgement. But after months of trying to pay we got nowhere, even the landlord tried to help and wrote to them until the point we were moving out and we eventually gave up. I haven't spoke to our flat mates since as we never got on anyway, we moved to a new place before we later broke up in 2015. She now lives at the other end of the country and we are not on speaking to terms. She was never good financially so I doubt I would get much joy from contacting her myself. I'm very concerned by all this as I have always paid my way and never been any negative debt and after reading things online about Bristow and Sutor. All of this has occurred as a direct result of the local council's error and I have never had any communication from them whilst we were at the address or since. Where do I go from here? I really don't want to deal with Bristow and Sutor paying their fees and dealing with them. I don't see how that will help me. Do I contact the council? Explain and Pay them what I owe directly? At the moment I've not received any post, just an email Any help or knowledge would be hugely appreciated Thanks! -
Hi, I have just received a letter from Agilisys Revenue asking me to contact them to update my address details confirming that I stayed at a bed and breakfast. i went into B&B with my 3 children in 2001, i was on full HB as i was single parent of 3 school children. I assumed that I didnt owe anything when i was moved to temporary accomodation 2 years later.. .I did have contact from the temp housing services a couple of times over the next few years saying that I owed over £1000 , (dont remember exact amount but i questioned it as i was on full HB and was told it was the £30 per week that i received food brought by the letting agent. I then told them i refused the food after 2 weeks as it was of the lowest standard possible . . from a shop called Kwik Save and their basic range of cereal, bread, sugar, tea bags, and milk which when i went in store at the time and added it up came to about £3.50 ,i refused it and bought my own food. I was then told I should have informed them, and i thought the dodgy letting agent should have done this anyway! I agreed back in 2007 to pay what i could and i believe they were taking £2 a week from my benefit for about a year but i then needed a loan from social fund to buy a fridge and wardrobe so they couldnt take it anymore as i was paying back the maximum to social fund . Long story short I moved into permanent housing in 2011 and they last contacted me about 4 yrs ago, i told them i couldnt pay anything as i didnt have enough money after bills etc were paid and i heard no more until this letter today. My question is this, can they force me to pay this debt as the original amount was from 14 years ago? -
In July 2010 my wife I purchased a static caravan on a Park Resort holiday camp for £13693.75 a deposit of £2500 and the balance on Black Horse finance. Our finances changed 8 months later and was no longer able to pay for the caravan we spoke to BH and they agreed they would take the caravan back sell it and we would have to pay the outstanding finance on a agreed amount of £50 per month and top up as and when we could with no interest on the outstanding balance which was approx £6500. Since 2013 we have kept a regular paymant of £50 as agreed with BH and have a outstanding balance of Approx £4500. Recently i checked my credit score on Clear score and found that i was in arrears with BH, i contacted BH and discussed that i had kept our agreed payment every month and i was still in arrears. BH told me that i was and would continue to be until full payment i asked if i paid the original monthly amount of £275 or paid a settlement figure (which they declined) would i still be in arrears, and the answer was yes, Do you have any advise Is it to late for a "voluntary termination"
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Please can anyone help with advancing this? I would be really grateful if a Default Notice 'Expert' could kindly offer me any advice. I have a long standing dispute with a Creditor on my DMP – MBNA/Moorgate (sold to IDEM post complaint Oct 2016). Original creditor MBNA on DMP May 2009, sold to Moorgate 2012, Default Notice from Moorgate Dec 2013 but binned by them (even though letter to terminate agreement thereafter also and no other monthly statements received), they didn't record the Default Notice with CRA either, I have (Moorgate) arrears markers from 2013 to current. I have thus far complained to MBNA (& Moorgate) to request a Default Notice to be issued and recorded from the start of my DMP May 2009 (when the arrears started – as comfirmed on all their MBNA statements I have and evidenced to all, as I defaulted on original T&C paying reduced monthly payment under DMP), MBNA refuse to add a Default Notice as ‘relationship continued’ and I entered into a payment arrangement with them’, Moorgate refuse more or less on same grounds and say their previous Default Notice was scrapped as they were contacted re payment continuation, so didn’t record. The Adjudicator at the FOS has come back to me, she says MBNA have ‘foggy’ evidenced that I continued to meet most of my monthly payments with them (??!!), she seems ‘Exacerbated’ of her telephone conversations with Moorgate, and has decided to not uphold my complaint altogether as she doesn’t think either have acted unfairly??? She has said I can ask an Ombudsman to take a look also… .but that they are ‘likely to agree with her’. I am quoting the ICO guidance version 3 2007 to FOS, however the Adjudicator has said ‘More recent ICO guidance states that there are exceptions and a Default Notice shouldn’t be added if a payment agreement has been entered into, such as a DMP.’ I have sent the Adjudicator absolutely everything so I am confused, am I barking up the wrong tree here, I don’t know what else to say to them other than the enormous evidence and several emails that have taken place …..please can anyone offer some advice (it will be on my CRF until 2026 ?) Moorgate have told the adjudicator, if I stop paying now for 3 months, they will re-place their original Default Notice of Dec 2013 as this pertains to the current arrears. Do I upgrade to an Ombudsman and stick with it for MBNA Default May 2009 or / stop paying 'now' IDEM and expect DN Dec 2013 reignition from Moorgate (?!) Thank you so much for reading in advance… Arrears with MBNA May 2009 until sale to Moorgate March 2012 (MBNA told Moorgate the account was up to date - this is totally untrue as was mounting arrears against T&C although of course MBNA don't record these) Plus x 3 seperate missed payments with MBNA Moorgate arrears from September 2012 4 seperate missed payments with Moorgate to date. Moorgate sold to IDEM in December 2016 after my complaint.Save Save
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Hi everyone, it is a long time since I used this site, but would really appreciate some help and knew this would be the safe place to do so. It seems many others have been in a similar predicament. Joined Fit4Less in Halton, Leeds last summer. I was not really using it during Nov/Dec so cancelled the DD in mid December believing that I was under no contract terms as had taken a rolling monthly contract. I was away for a few days over new year and returned to a letter from Harlands requesting £16.99 missed payment and with a £20 charge slapped on for admin costs. This sounds ridiculous. Please could you advise as to what to do. Surely I shouldn't have to pay such a massive £20 charge? I have read some of the threads but am unsure of the success people are having in dealing with Harlands. I am a little anxious as feel I shouldn't pay it but don't want loads of debt collection letters. Thanks in advance
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Hello all, Looking to see if I can get some advice. I've received a letter titled 'change of address notice' with my details saying they've updated my new contact details and I must contact them about non-domestic arrears for a small shop I let out. A few things I'm concerned about. Firstly, this is the first letter I've received about this, I'm worried any arrears might have gone through the courts and that the sheriff officers might turn up to take away my things. Secondly the shop has been let for the last 10 years and it qualifies for 100% rates relief there shouldn't be any rates to pay, even if there were it would be by the tenant. Called them today, and tried explaining the 2 above poinst but didn't get anywhere. They told me I owed £7000 something (can't remember exact figure) a nd that I had to dispute it with the council and in the meanwhile the proceedings would continue. Council had a massive queue and I didn't get through before it closed. Now really worried! Apologies for the wall of text and thanks in advance to anybody that can help. -
I'm currently unemployed and claiming Universal Credit and Council tax benefit. My council, knowing I'm unemployed and what I'm claiming is chasing me for arrears and has rejected the best offer I can make and pay every month. I've laid out where my money goes and politely told them to forget it. Where do I stand legally ? -
Hi I'm hoping you can help my sister with this quandary. She has some mortgage arrears for various reasons but they are now wanting to sort this issue out. A court hearing has been booked but her mortgage company have called and said they are willing to help and look at options. The arrears are around £5800. Going forward they can pay the contractual monthly payment plus an amount towards the arrears. The mortgage company say they will consider this but a i and e form must be completed. So I'm trying to help her work out what might be seen as a reasonable offer Their income is £2700 pm and essential dd etc including mortgage is £1715. On top of that we've allowed for food and a few other bits. So the remains non essential balance pm is £500. How much of that should she offer and leave herself for entertainment, unexpected expenses etc which would seem fair to mortgage company or potentially a judge. -
Hi guys, I'm new on this site, so please be gentle... I took out a £85K loan with Firstplus in 2006 for a business, unfortunately, in 2010 our main client stop paying us, and that's when the problems started. FP were great to start with and let me pay reduced payments, but the arrears built up. Eventually, they transferred the loan to a company call Redcastle (still on reduced payments) and then at the start of this years to another company called Elderbridge. I contacted a website called [removed] and the advice one of their recommended advisors gave me some bad advice. He/she said to stop paying even the reduced rates, starting various things Elderbridge had done wrong. However, it looks like it was all totally wrong. Now I have even worse arrears and Elderbridge are quite rightly threatening repossession. Thankfully, I now do have funds available to start to pay off this loan but was wondering, what I should start paying and should I try to negotiate with them, to try and get a lower figure, as I'm sure they bought the debt for a fraction of the price. Any advice would be brilliant. -
Hi. Due to not paying any rent for a few months (due to being ill), the local housing are going to serve me with a notice of intent to seek possession. I've contacted that and have mentioned that I'll be claiming unemployment benefit (Universal Credit), and that they only pay housing benefit after 6 weeks (their rules). I've also offered to pay a small sum each week, but they have refused the offer, and mentioned that they'll proceed with going to court. Would appreciate any advice as to what to expect, and how to proceed. Thanks.
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Hello after a bit of help trying to reclaim mortgage arrears charges through the Financial Ombudsman charges total £5000 of which i have paid £3500 through increased mortgage payments I have now been allocated to an adjudicator whom i have spoken to today Trouble is he wasn't that clued up and i think he s going to dismiss my complaint he said that he has looked at the charges and has spotted some that should not have been applied but most of the £40 monthly arrears charges are stated in my terms and conditions so he see s these as fair i told him about the FSAs guidance where they state excessive charges can be refunded he said he never heard of it so i sent him a link about GMAC where they had to repay £2.900000. is there anything else i can send him before he makes his decision any help would be appreciated
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Hi there, Could someone please advise me. I'm in arrears for 3 months rent on a 12 month lease. I paid 12 months upfront for the first year and am late 3 months on the second year. I have received a letter from the landlords lawyer stating that if I don't pay the whole 12 months within 10 days that they will take further action. I did sign the lease for a further 12 months and am expecting payment from my employer which is late. This has caused my inability to pay the rent. How long do I have until I get evicted? Many thanks in advance..
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Has anyone got an address to contact Future Mortgages so as I can try to reclaim my charges? -
Hi I hope I'm On the right thread ...I sent in the reclaim letter to Santander regarding my arrears fee charges (Mortgage) and they've replied with a standard terms and conditions in contract letter could you please advise as to my next course of action please
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I am a freeholder with a covenant to pay for the upkeep of communal facilities - which is shared with other freeholds and leasehold flats. My Transfer (TP1) does not have an annexed 'right of entry' clause. The service charges are regarded as estate rentcharges (although not explicitly stated in the transfer). I have very good grounds on disputing the service charges, for which I would actually like to the County Court to make a judgement. The management company employed a solicitor firm a few years ago to threaten me into paying all costs. I paid for costs that I thought were reasonable, which they did not accept as a settlement. I expected a county court summons - instead nothing happened for a couple of years and now the management company have employed another solicitor firm. I've asked the new solicitors to go to the county court for a judgment. Instead, they've decided to approach my mortgage company based on section 121 of the Law of Property Act 1925. I understand that under this law, the management company can take possession of my property only to recover the cost of the rentcharge. However, my dispute is that that I have not broken the covenant as the costs I'm being charged for are unreasonable. The solicitors wrote the mortgage company saying that "under section 121 of the Law of Property Act 1925, to obtain possession a County Court Judgment is not required... if payment is not made within 14 days, we will enter into possession without any further notice". My mortgage company has told them that they won't be taking any action (at least for now) and for me to contact he solicitors to sort out the issue. I'd be really grateful if someone can clarify how they can enter possession without a County Court Judgement? -
Hi all, haven't been online for a while due to wife's MS and fighting a battle with PIP (but that's another story). I have a secured loan with GE Money (formerly I Group) with charges for arrears. GE Money increased my payments to recover the charges and I have been looking at trying to reclaim them, but, as there is still several hundred pounds outstanding, I decided not to rock the boat for fear of them trying to repossess and also the effect it may have on OH's health. So I came up with a plan, as I've just turned 55, take a lump sum from pension, pay off charges and then try to recover what I've paid. I have received a letter from GE this week stating that they have sold my account to Elderbridge, (only giving me 7 days notice). Do I now have to go after Elderbridge for a refund or GE Money? I say this because I have already paid GE Money over £2000 in arrears charges and, I assume Elderbridge will want the remainder of the charges. Any advice appreciated.
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