Hi, I had a loan with Speed e loans, they managaed to get a CCJ for the sum of £1759 about a year ago. Today I have recieved a letter from a company called PCS saying they will put a charge on my property (I rent) !! Also search for my employment records and get baliffs to call to seize my goods if I dont reply by Feb 1st. Please can someone tell me can they just send baliffs? Will they send them? Is there a court process that happens before? Thanks a very worried Sonieson.

Hi I wonder if someone could point me in the right direction , I need help on posting my council tax baliffs on the right forum. I have just registered and do not seem to be able to find the right forum. Any help with this would be greatly appreciated Hayley !!

Hi All I wonder if anyone can comment further on the vulnerable status and what difference it makes to the councils action. I had a bailiff visit today. I refused to let him in so he said "okay I'll give you five days" I'm really worried. I am on the sick at the moment with depression. The council are aware of this yet they have still sent a bailiff. We do owe the money and it has come about due to loss of income due to my illness. We also have an adopted daughter who is eight and would be extremely distressed by bailifs coming into the house. I don't know what to do or even what my options are. My wife works but her income although reasonable, isn't enough for us to pay £1,600 just before Christmas. We had two liability orders and paid one in full a few months ago but couldn't pay the second one. I did communicate with the council and they promised to send me I&E forms but it took two further emails over about six weeks until they eventually emailed them to me. How can I stop this bailiff returning to take our stuff in 5 days. I have been getting better but this is making my depression worsen again. Any help would be most appreciated Thank you

Hi and thanks in advance for listening, I am having a bit of a problem with MHB. Threatening calls, emails and letters. Unfortunately I am currently unable to give them what they want. I have offered what I can but they are just not willing to listen. Basically it's there way or no way. Is there any way to get through to these guys? I can go into it a bit more if needed. Thanks for reading

hi am new to this site and not sure where to post my concerns, i am hoping somebody can help. I basically had a fine for using a car with no insurance to the value of £500 i paid the fine by instalments and then for one reason and another i didnt pay the remaining 150 as i was having financial difficulties. i was visited by a warrant officer who agreed to let me pay £10 per week and would send me a card in the post this never arrived and i kept meaning to chase it up but never got around to it, with that i had a baliff knock on my door, he said he wanted to come in and discuss my fine which was now £450?? i was actually 8 and a half months pregnant and in the process of moving house, i told him this and his repose was ok, i will leave it with you and contact you in the future?? I went on to have the baby 10 weeks on, I also moved address. I received a letter in the post some 2-3 weeks ago stating that Marstons would be visiting my property in 7 days to collect payment, as the man i had dealt with had been understanding to my situatiuon previously i rung the number on the letter to keep getting an answerphone. I decided to wait for his visit, i was then pottering around the house today and noticed a letter on the mat, NOONE had knocked on the doore i have 5 children ranging from 13 to 10 weeks one of them would have opened it, It was a final warning stating I had 24 hours to pay the fine? I rung the warrant officer who basically would not let me speak or arrange any kind of payment term telling me I had til 7pm to pay or he is coming woth a removal team? Shocked and not knowing what to do I made some enquiries to the courts who basically said he can not enter my property and to keep doors and windows locked. Then at 5pm he returned and put a card through my door stating I was intentionally avoiding him and he was returning woth a locksmith to obtain entry to my property. I rang him as he was outside my house and he said the removal team are in the way!? I stated I do not have 450 pounds 2 days after xmas, who does? and that I could pay 100 today and make an arrangement for the rest? HE POINT BLANK SAID NO and i have till 11am tomorrow he had contaced the removal team and managed to stop them until then. Please may i note he has never set foot all entered into my new property neither have i even opened the door to him, infact the first i had spoke to him is today. I am confused that obviusly as i was in a vunerable position before being heavily pregnant he backed off but nowhe willnot even discuss the matter with me? Where do i stand can he return with a locksmith do I have to let him in. I am annoyed that there are 300 pounds costs and have thought about paying the court costs direct to the court as it was 150 which i could scrape together. Please help ?!!!!

My son has had a letter from EDF demanding 150.00 or the baliffs are coming 17th December to force entry. They have not read the meter i over 2 years and just provided estimated bills h e has being paying them around £40 per month and now this. I dont know what the correct bill is because it has been left for all this time, I guess it is partly his fault for not being on the ball. He is on benefit and cannot pay them anything untill the 26th when his benefit is due. Don't know what to do when they arrive. Any advice would be appreciated. Regards, Mashmallow

Hi. Could someone help me..we have been charged all these fees for our council tax debt.. Debt £1,217.24 statutory visit fees £42.50 levy fee £54.00 attendance charges £167.00 card payment fee £4.00 first of all the levy fee dont know what he levied on because we were out at work. Attendance fee he never came in a van, only a car. Because my daughter was in but she never answered the door. He has been twice.

Hello I've come home today and received a letter from Marstons demanding £175, £90 for the fine and £85 in fees. I was late paying the original fine and it went to £90 so i sent a letter asking if i could pay in 3 monthly instalments to which i have received no reply. They are now demanding the full amount within seven days the bailiffs will turn up to remove goods. Is there anything i can do as they say they are in possession of a magistrates court order? Thanks so much for any help

Hi there, A couple of huge Confero collection bailiffs knocked on my door today and left a letter saying "Notice of Baliffs Attendance - Magistrates Liability Order for unpaid council tax" and stating that they will return tomorrow at a set time to remove my goods. Do I have to let them in as it is due to council tax? I have mental health issues and have been on incapacity benefit for a few years which was last month switched to contribution based ESA, support group. It seems that due to working in the past my benefits have always been contribution based which means I have to pay council tax, don't get cold weather payments etc. Always bugged me but the fact is I owe the council tax. I just have never been good at remembering to pay bills (recently diagnosed with ADHD, mostly inattention, and reffered for aspergers diagnosis) and being able to deal with paperwork. Even when I was working and had plenty of money coming in I would forget to pay bills. I have a lot of debts now and no disposable income, so its not like I can make any offers to the bailiffs. I had planned on getting a DRO but couldn't get together the £100 needed to do it. I don't have much they can take except my tv, this computer and my sofa. It would be good to know if I have to let them in or not though. Any quick advice to ease my mind would be appreciated.

BBC1 now Neighbourhood blues...seems someone has 'unlawfully' detained a baliff

Today had yet another vist from Marstons ,they have called twice, now heres the problem: The baliff warrant is in our sons name who has NEVER lived here he is 30, its connected to an unpaid court fine, we have emailed Marstons even tried phoning them to just be cut off, well today i had enough when the baliff called i explained we had called Marstons, Maidstone Enforcement [who connected us directly just to be cut off] now i asked her to leave our property as she was tresspassing , to which i closed the front door, she then re knocked on the door, again i told her to leave, and she refused now i used reasonable force to to get her off our property, to which i recieved a heavy kick to the groin area, later on she made a complaint to the police and i have been arrested for it, what i would like to know was i within my rights, seems they ignore the fact of calls emails etc. i am lodging a complaint with CIVEA and will be to local Court and after what ever my Court Case comes to i shall be reporting her to the police for assault [ apparently i cannot do this untill i have been to Court and it been dealt with] i refused a Caution.... what really get me is we only moved here 2 yrs ago my partner and daughter, this fine of his was inncurred 4 yrs ago, and at time we were not on speaking terms I have seen nothing but Complaints about Marstons and there dealings,especially ignoring

I would appreciate any advice on these people formerly MMF chasing a wage day loan about 5 years ago. I stopped paying them because they was continuing to add charges and I repaid this loan 5 times over. MMF have been chasing with threatening letters and now letter from Marshall Hoares threatening to visit. What should I do about these clowns? Please anybody Thanks Mashmallow

Ive had a notice of baliff attendance today from Rossendales for just over £2000 for unpaid council tax, despite having sent back a payment offer to the council (which they say they received too late / outside the 14 days on the request for financial information form). I've had a bit of a browse through the forums here and many people have mentioned not having to deal with the baliff at all and just dealing direct with the council, and this is how I'd like to proceed, starting with giving them an initial payment now. I've already tried calling the council and the call centre girl just said it had gone to baliffs and i would have to deal with them now. What is the best way of going about this and notifying the council / the baliff that this will be my course of action ?

Hello I have been enduring jacobes for many months now and it has ruined my quality of life every moment of the day I cannot stop thinking about what they are doing to me and my health,and now my major concern is that I don't work many hours well 2hrs a week cleaning and leaflet delivery round combining them both gives me around £150.00 per month £90 of which jacobs insist is paid every month in fact forced me to pay otherwise they would clear me out now my situation is such I have to go without food and drink for up to three or four days sometimes and I have even resulted in eating cat food because I so hungry I live in house on my own family moved away along time ago and they cannot help also I have many days without electricityas I,m on pre-payment with this I,m concerned about the coming winter as I just won't have the money to keep warm it has really terrified me the thought of this even to the degree of ending it all no Jacobs just dont want to listern to my situation what so ever every time I try to reason with them they just pile on the threats and misery well I just cannot cope with it anymore I want to end it all but I feel in the back of my mind there may be a way to recieve some help, I even tried signing on but I was told I would not recieve anything due to the lack of contributions this has also added to this dire situation which has also made me very ill with my nerves I,m weak throught and don't have any fight left in me anymore I cannot even buy myself nice things anymore its so depressing somebody PLEASE HELP I NEED SOME POSITIVE ADVICE BEFORE ITS TIME TO CALL IT A DAY. Now surely Jacobs cannot get awawy with this type of foreceful action I just don't know what to do anymore I,m convinced they wont be happy until they recieve notification of my death beleave me I,m feeling pretty close to making that descision if I cannot get some compassion from them to understand how serious my financial situation really is SOMEBODY HELP ME FIND A BETTER SOLUTION.

Now as having a nose on Baliff laws and came across this site now as i cannot add links yet,will paste it in ,what came across as strange ,was this bit now it may only apply to fines: so any input from the good guys here lol will be interesting "Astonishingly, the majority of people who have contacted us over the years have never been shown a Certificate; instead they are shown a simple Identity Card. This does not give him authority to levy on goods. " heres the rest : ALL ABOUT BAILIFFS. Bailiffs have been around for over a thousand years and "distress" (the procedure for bailiffs to seize goods) was so commonplace in the 13th Century ,that the Magna Carta of 1215 gave the English Barons the right to distress even against the King !! Bailiffs are often described as debt collectors but this is not quite accurate. The crucial difference is that debt collectors cannot take people's goods and sell them to pay what's owed. With rare exceptions, bailiffs enforce court orders and warrants issued by Government departments. These are mostly to do with the recovery of debt but bailiffs also can evict and arrest people. TYPES OF BAILIFF LAW Lord Denning in 1982 described distress as an “archaic remedy which has largely fallen into disuse”. In 1986 the Law Commission examined distress describing it as “difficult and distasteful” and further “riddled with intricacy and inadequacy” If these comments were not serious enough, he concluded by saying that “with its many uncertainties, anomalies and archaisms, its useful life is now spent and simply cannot be resuscitated”. Sir Jack Jacob remarked also that “it’s very existence as legal remedy besmirches the very fabric of English Civil Justice”. They recommended that it be abolished, this of course did not happen, but in 1988 certain changes were made with the Distress for Rent Act (1988) being introduced. This had the effect of bringing desperately needed improvements to the system of Certification of Bailiffs and at the same time introducing standard legal forms. Although this new act was welcomed, it nonetheless, was seen as simply inadequate in comparison to the severe criticisms by the Law Commission some 2 years earlier. By February 1991, the Law Commission published a further report to Parliament with the recommendation that abolition was still the desired solution…they even included a draft bill for this very purpose. Nothing further was done on this until July 1995 when the Lord Chancellor announced his intention to make changes. By 1998 bailiffs law had become hopelessly complex, archaic and confusing, not at all surprising being that it was a mixture of common law, statute and case law, much of it dating back to the medieval times. This had the effect of creating a great deal of confusion not just to the debtor and legal profession, but to bailiffs themselves!! For this reason, the industry itself welcomed the Lord Chancellors Department announcement in 1998 that there was to be an independent review of bailiff law. This resulted in a Green Paper being published in July 2001 which contained most of the recommendations contained in Professor Jack Beatson’s paper an “Independent Review of Bailiff Law”. Although this paper was generally well received by most, including the enforcement profession, its intention was to produce a “Single Piece of Legislation” that would provide fairness to all concerned. In 2002, the “ National Standards for Enforcement Agents” was introduced which set a minimum standard which all bailiffs are expected to comply, but there was a disappointing elements to this in that it did not include a complaints or appeals procedure and was merely a voluntary code. After much consultation, a White Paper was published in March 2003: this proposed to radically reform bailiff’s law, with its intention being to consolidate legislation into just one single code together with having one licensing body. Finally, on 25th July 2006, the government published The Draft Tribunals, Courts and Enforcement Bill, which includes a single procedure for taking control of goods and this bill was put into the Queen’s Speech in November 2006, and is currently being debated in the House of Lords. Our company have heard reports that some bailiffs have stated that this Bill is now legal…..that is not the case. As soon as we receive any further news on this Bill, we will feature it on our News section on the front page of this site. Facts about a Certificated Bailiff. To collect the following debts, by law the bailiff has to be what is called a Certificated Bailiff : • Council Tax, • Business Rates (NNDR) • Parking Charge Notices (PCN’s) • Congestion Charging, • Child Support Agency • Inland Revenue • Customs & Excise (VAT) • Magistrate Court Fines ( See note) Note: Please read our section on Magistrates Court for further information. There is a process that must be undertaken for a bailiff to gain a Certificate. At the end of this page there is a link to the Courts ruling on the process of Certification, but put simply this would involve the following: The bailiff, will need to apply to an issuing court for an Application Form to be completed. The form requires that he disclose his personal details, provides a recent county court judgment search, a criminal records search and he must provide 2 references…one of which should be from the company where he will be working. He will need to provide proof that he has advertised his intention to apply to the relevant court for a Bailiff’s Certificate in the Public Notices section of a local newspaper. This is so that any member of the public may object to the application if they consider that he is not suitable to be a bailiff. He must lodge in court a “Bailiff Bond”, with a value of £10,000. In nearly all cases, this is an insurance scheme offered by 2 insurance companies, mainly Zurich Insurance etc. At the hearing, the bailiff will need to demonstrate to the Judge that he has sufficient knowledge of bailiff’s law to enable him to act. Once he is satisfied, the Judge will issue a Certificate. It is important to note that the Judge will personally sign the certificate. It will also be stamped with the court’s official seal. The certificate will resemble an ID card, with the obvious exception that it is personally signed by the Judge and has the court seal. The Bailiff’s Certificate last for just 2 years. If the bailiff changes employers or his personal details change during the 2 year period, he must surrender his certificate and a new one will be provided to him with the necessary changes made. There is no fee for this. Astonishingly, the majority of people who have contacted us over the years have never been shown a Certificate; instead they are shown a simple Identity Card. This does not give him authority to levy on goods. By clicking below you will see the relevant Statutory Instrument relating to an application to become a Certificated Bailiff: http://www.dca.gov.uk/consult/distress/annb.pdf THE DIFFERENT TYPES OF BAILIFFS. There are three main types of bailiff and an officer of the Supreme Court called the Tipstaff. As the Tipstaff does very specialist High Court enforcement, we do not need to consider him further. Private Bailiffs (Certificated Bailiffs Certificated bailiffs are granted a certificate by a County Court Judge which allows them to Levy Distress. The certificate lasts for just two years and authorises the bailiff to levy distress anywhere in England and Wales. To obtain a certificate, the applicant must satisfy the Judge that he is a “fit and proper person” to hold a certificate, and that he has a sufficient knowledge of the law of distress, and also that he is not in the business of buying debts. They must also provide two references, undergo a criminal records check, a County Court Judgment check and finally, provide a security bond of £10,000. This final requirement normally being an insurance bond. They are not officers of the court and are not employed by the court. However, they are seen as representatives of the court because they act under the authority of a Certificate issued by the court. The court therefore exercises, under the certification process, a certain amount of control over the standards of competence and conduct of these bailiffs. Other than that, there is no formal regulatory structure of Certificated Bailiffs, although those that are members of the Certificated Bailiffs Association are subject to the complaints procedure of that body. Only Certificated Bailiffs can carry out distress for rent, council tax, non-domestic rates and parking fines, child support agency arrears etc. County Court Bailiffs County Court Bailiffs are civil servants employed by the County Courts where they are based and they enforce county court orders and the orders made at tribunals that have been transferred to the county court for enforcement. County Court Bailiffs are managed by senior staff at the County Court but also responsible to the District Judge for their actions. (see section 123 of the Courts Act 1984) High Court Enforcement Officer( formerly sheriff's officers) There are approx: 70 high court enforcement officers. They are private sector bailiffs appointed to enforce High Court orders and any county court order that the creditor transfers to the High Court for enforcement. The rules governing their appointment are set out in the County Courts Act 2003 and the rules made under it. High Court Enforcement Officers can ask anyone to act as their bailiff. Fines Offficers and Civilian Enforcement Officers (CEO's) These are employed by the Magistrates Court under the provision of Section 92 of the Access to Justice Act 1999 and the Magistrates Courts (Civilian Enforcement Officers) Rules 1990 and the Courts Act 2003. These "bailiffs" are able to execute a range of warrants including distress warrants and warrants of arrest, and commitment for non-payment of fines and other sums a court had ordered to be paid. In addition, they can also enforce warrants of arrest for breaches of community sentences. For further details on the powers that are available to them, you will need to refer to our section entitled: Magistrate Court on the front page where we have provided further information. Note: There a few other people who have the same sort of powers as bailiffs and can seize a person's goods. For example, a Collector of Taxes has a right under Section 61 of the Taxes Management Act 1970 to levy distress for both unpaid Income Tax and National Insurance. These are civil servants and are subject to the same recruitment and monitoring standards as all civil servants including county court bailiffs.

I have various threatening letters from Marstons bailiffs saying they are going to foce entry and take my stuff for an old old court fine that seems to have been chasing me around for years. I never knew about this court date and obviously never attended, and would really like it to be taken back to court as I think you can do. Is this possible? problem is I have spoken to the court in question so with the age of it and the fact I have been in contact will that mean I have no options? Alos, how likely is it that they will actually force entry? the fine now stands at £850 Many thanks for any help given!

Hi guys, I have had several dealings with these idiots. (council tax debt) I know not to let them into my property or phone them, however 2 months ago when the baliffs turned up with the famous 'baliff removal letter - payment in full due in 24hrs' I called the call center, a payment plan wasn't set up due to me refusing to let a baliff in my home to list goods 1st. Nooo way. However I made it very clear that I was not refusing to pay and asked for a payment book. Letters continued as did visits. I then got the book.... have been paying when I can... small amounts as we can't afford much, but we are paying some. My husband works, however we are in receipt of child tax/working tax credits & housing benefit. But money doesn't stretch very far & we have to pay council tax in full every month. Today once again the visits have started. Just looking for some advice really? Shall I carry on as I am doing or anything else I can do? The baliffs must know I am in when they call as I have 2 noisy children lol. The first time around the baliff even asked my neighbour if we owned a car LOL! We don't though. Any advice appreciated. Thank You

I have a letter from equita for an old parking fine.It has been delivered to me by a neighbour as my address is wrong(he has written just trying number 145 as my house is 45) ...for example number 45 anystreet instead of number 145 anystreet... Am i legally allowed to ignore this,i am saving to pay the debt(now £145 plus £11.20 fees)but it will take me another 2 weeks to raise it. Can they increase the debt if i dont respond(considering that technically i am not in recepit of any letter)? Thank you!

I don't know if this is the right place to post but I don't know what else to do. I have been away for a few days visiting my parents and when I returned I found I had a letter from Swift dated the 13th August for a council tax liability at my previous address for £575.14 as this was the first letter I had recieved for this amount (I had previously recieved a letter from Swift for a debt of £70 for the same council tax which I paid). I have had no chance to do anything about it since yesterday evening when I arrived back and so recieved a knock on the door at just before 9am this morning from the baillif which I did not answer as I was in the shower - I further £22.50 has been added to this now. I immediatley contacted Swift to make an offer of payments which was rejected - they offered me payments of £199 which is not even close to what I can afford which I explained to them. As they could offer me no solutions I rung the bailiff who had left a letter and he said that the best he could do would be £85 a month which again is about double what I can afford. I am willing to accept that the debt is most probably mine although I have no proof or letters from the council - I moved out over 2 years ago. Any advice as to what I should do now would be greatly appreciated - as I cannot afford what they are offering and don't want further Bailiff visits. Many thanks

i have been paying council tax £30 a wk to council then out the blue two baliffs turn up. he sat in his car to fill out forms, 1 was debit forn, other was notice of seizure of goods and inventry. the second baliff went to shops to buy drinks. i told him house and contents belong to official recievers as partner went bankrupt. and hasnt been signed off from bancrupsy, i now have a walking possession fee £12 vehicle fee £100 not sure what this is redemption fee £24.50 levy charge £56 the baliff didnt enter property but has written on form,( all detainable goods) in inventry also gold chain i was wearing at time. i now have to pay balifs £30 p wk instead of council i was told to cancel direct debits and pay them every wk instead. is this normal ?

Hi there all, Slightly long background story so appologies in advance! My son who is now 19 got a fixed penalty notice last year when he got drunk and fell asleep on some steps whilst visiting some mates who were at Uni up there. On return home he confessed all and gave me the paperwork which unfortunatly didn't include details of how to pay that bit was missing. I chased it up and tried to have it sent on but it never arrived then no-one could find any details of him on their systems! It's been a total nightmare and I run a pub so I'm plenty busy enough! Everytime (my son) has had a letter from the DCA he's tried to follow it up and sort it out but nothing has been finalised. Today late morning there's a knock at the door, some bloke from this Marstons lot says he wants £420 on the spot or he's coming back with a lock smith and the old bill to force entry to take goods. Well I explain that son is at work, it's my pub in my name so I really wouldn't appreciate him marching through it heavy handed and that if he gives me some time to sort it out and I will. However is not up for negotiating or part payment or making a payment plan he wants it all and he wants it today. I've done my research and want time for son to contact the court and fill out the paperwork needed for a financial assessment so he can be given a realistic time scale to pay however I'm not getting that done in the deadline I've been given as I've no idea who I need to call to find out about this paperwork! I'm concerned that he's going to force entry into my pub and cause damage that I'll have to put right, I don't want a bunch of strangers in my flat especially as I can already tell them that son has bugger all! I have a sneaky suspicion he's blagging me a bit though, originally he said that the lock smith and police were booked to return at 3pm now suddenly he's saying he'll wait until 6pm. Do you guys think he'll actually make good on his threat to enter the property that way? Can he do that to a business that isn't linked to the person who owes the money? How do I get this bloke to sod off and give me time to sort it properly? I'll be open at 6pm so I really don't need him tramping through the pub, although as landlady I do have the right to chuck him out! I think he's intentionally coming back once we're open to ensure he can just walk in, he tried this morning to gain entry by asking if he could "just look around" to save time later but I wouldn't let him. If he really was going to pop the door surely he'd of turned up mob handed earlier on? Anyway, any help and advice would be much appreciated guys! Jo

Hi I'm in serious need of help as I have just returned from travelling to find a string of communications from certified bailiffs Marston Group. They say I owe an outstanding amount of £866.10 for a rail ticket fine I apparently hadn't paid dating back to 27/12/2011 on from what I can tell (although absolutely no specifics are shown but which I have deduced because on the final 'hand delivered removal notice' it states which magistrates court has sent the warrant: Sussex) is from the London to Brighton route which i sometimes frequent. Firstly although my memory is patchy, I am sure that I may fine I may have had I would have paid on the spot as I've had this before and I've paid the £20 for not having my Young Person's travel card on me at the time whilst in possession of an YP ticket. I have a vague memory of the said offence happening but I'm almost certain I paid the fine, that aside the original alleged fine has spiralled from what I can imagine would have been £20 to now almost £900. A terrifying escalation and one that I have literally no way of paying, more to the point a fine that I believe I've already paid! I have no idea what to do , the balliffs arrival is seemingly imminent and me being a twenty something living with similar aged friends am now panicked that I've put them all at risk etc even though I believe I've done nothing wrong. I can't get in touch with Marston as the only contact number I have for them on which I can talk to someone (the operator assisted payment line) rings three times then hangs up. I can't get throughout to HMCTS Sussex as what I believe to be the correct number, of a few contact numbers I can see listed, is constantly busy. I'm terrified and have no idea what to do and upon my recent return home now find myself worried about who's knocking at the door etc. If anyone has any experience or advice or anything man I would really appreciate it as like I say I'm at my wits' end. From the extensive research I've done these Marston Group bullies have little sympathy and even less scruples. Many thanks in advance, Oliver

Redcar & Cleveland BC are using Baliffs to retrieve tax owed for period 2001/2. I had left the matrimonial home throug seperation, subsequent divirce. On leaving and moving to neighbouring Borough, I immediately paid Councuil tax. Constacted Redcar BC, faxed proof of paying to new Borough. Now been told I`m still liable for tax on the property even yhogh ot there. Ex wife was residing there fo an unknown period. I now have Phoenix posting letters with highlted mobile no. to arrange PCM payments! any help much recieved!

Hi Due to extreme laziiness and mislaid letters I have managed to have my car seized from my drive for non-payment of a parking ticket. I was away at the time and only discovered 5 days later. Basically the debt is approx £550 (plus whatever gets added on by the car storage co.) and baliffs have threatened to auction my car. They do not have my keys or V5. My car looks more valuable than it is to a baliff, but I would assume at a car auction it may not raise that much. They even suggested on the phone that if I gave them the keys and V5 it would help raise the value. Anyway, simple question: Do I pay and move on (assuming extra charges) or if I let them sell at auction will I be clear on any debt with them ? Thanks Grazbo

Hi, First time user, long time reader. I am in a bit of a pickle, too say the least. On Monday i had a visit from a High Court Enforcement Officer from a company called ‘SHERFORCE LTD’ i was not in at the time but he had promptly put paperwork through the door. What i received was a letter from sherforce “Warning Notice – Visit By High Court Enforcement Officer” within the paperwork there is details of an apparent CCJ against me was issued by Worcester county court on the 3rd May 2011 From a solicitors FDL for £3758.79 plus sherforce costs of £1201.49. The debt was from about 18 Months ago for a solicitor we used to help sort a business issue out, however they tried to rip us off and it never got paid. It was in joint names, with my other half, when we employed there services The thing is, is this? This FDL made my partner bankrupt for this debt in October last year, but yet they are now trying to get this money from me. It was in joint names when we employed there services She had a meeting with the OR in January and it went from there, however, we have not heard from the OR for a while but she is still bankrupt and assume the OR is dealing with it. I sent an email and letter to sherforce on Monday evening explaining the above situation and received an email back from the on Wednesday saying that they have forwarded my response to FDL and await their reply. I received a phone call from them today, demanding that i pay £5k immediately or they will come and take goods to the value plus additional costs!!! I can’t afford to pay this in full at the moment; i am a builder in a recession! I don’t have large amounts of cash just lying around and told them as much. There reply was well if i could pay half of it then i could make an arrangement for the rest! No chance, i just haven’t got that kind of money. I offered to pay them £500 a month but they would not accept it. They say i have to pay £2500 by 10:00am tomorrow morning or they will take action to recover the money. I guess my question is, can they actually recover this debt from me as the OR is dealing with it? Or at least we assume that they are. What are my options? I have read something about SET Aside, but not sure what that is about, declare myself bankrupt? I could really do with some advice? Incidentally, Sherforce, when they dropped a letter through my door a third page was a walking possession order for all of the goods within the property, although i was not there to sign it. Nobody signed it? Please help me, i have got some good advice by reading the posts on this forum over the last few months and i apologise that this post is really long. Thanks in anticipation Neil