Showing results for tags 'arrears'.
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Evening all, I'm helping a friend out with a Council Tax bill which was overlooked after a misunderstanding with the paperwork. When they contacted the council to set up a direct debit they were advised they were £96.00 behind on payments so made this payment in full there and then on the phone. That was the end of the issue so they thought. However they were not advised of an underpayment of a bill in the period of 2014 - 2015 which was left outstanding and as such not aware of. In the phone call and a reminder letter they received they were not told about the overdue CT of £117.09 Needless to say I was woken up this morning to my friend in complete panic about the Bailiffs and have drafted some letters and come up with a repayment plan for their arrears and CT for the remainder of the financial year. Having looked at the payments they [the council] were requesting over 10 months 2015 - 2016. I have managed to devise settlement of the arrears and current tax years bill over the remaining 9 months of the financial year. This is roughly the same amount if they paid over 10 months without arrears. So the following letter went to the Council This was sent by Fax. A copy was sent to Ross and Robbers for their records. The same day the below Fax went to Ross and Roberts directly: Sent the same day by Fax also. I'm not sure we'll get anywhere with the 2x Fees that are in question. But both as we all know here a grossly disproportionate to the costs incurred to the Council. I wrote this with a recent judgement in mind that a summons fee of £70 was considered unreasonable. Sure I read that in the news letter from CAG some time recently. Also an additional £75 Bailiff Compliance fee for sending 1 letter second class post is ridiculous and shameful. Oh and lets not talk about the local council outsourcing operations to Capita......... Hmmm... Other than the above is there anything else they [my friend] should be doing? Or is there anything I've overlooked here? Many thanks Shark xx -
Hi team, looking for some advice I have beaten a very serious gambling addiction a few years ago for which I received professional help, but, left my council tax in arrears, over £1900 in arrears for a number of years, have worked 7 days a week, 72 hr weeks on overtime to pay the arrears off, and as of this month it is now up to date I am scared to think of the charges they made on me for my arrears specially as it went to sheriff officers Alex M Adamson, and they charge£££ hundreds if not more, Now that I am up to date do I have any recourse to claim the charges back? Any advice would help -
Hi team, looking for some advice I have beaten a very serious gambling addiction a few years ago for which I received professional help, but, left my Santander mortgage on the brink of repossession, over £6k in arrears for a number of years, have worked 7 days a week, 72 hr weeks on overtime to pay the arrears off, and as of last year it is now up to date I am scared to think of the charges they made on me for my arrears specially as it went to solicitors Aberdein Considine twice, and they charge£££ hundreds if not more. Now that I am up to date do I have any recourse to claim the charges back? I was never offered interest only etc. Any advice would help
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I previously sent a CCA request as I could not locate the original that was taken out in 2001. I received the attached edited copy but is I am not sure if this is correct ? I then sent off an SAR and again received the same amongst details submitted. Am I missing anything does anyone know ? I've checked the forum for BH credit agreement examples but all seem to look different to mine. Just one other question, should BH be sending me annual statements of some sort ? Thank-you for looking. -
Hello, As the title reads, we have council tax arrears that have accumulated over several years. Last week we received a letter through the door threatening bankruptcy from the council. Some background info - I am a full time student. My mum is the one who is liable. She has severe mental health issues. She has not sought help and is not in contact with any mental health services / CGP etc. She is on Employment Support Allowance, which is paid sporadically - has not been paid for the last month or so. My parents are separated and my dad lives elsewhere. He pays the mortgage for our house. Please advise me on what steps I need to take. What info do I need to get from the council about the debt? Should I send a SAR? Or just offer to pay whatever my mum can afford? I understand that writing to the council and providing a letter from the GP explaining her illness and an account of her expenditure is probably best. I am unsure as to how to word the letter, and how to tell the council that I am writing on my mother's behalf. I am also unsure as to what amount to offer to pay, that is likely to be accepted. Is there anything else I should do / anyone else I should seek help from? Any help is much appreciated. -
Hi, First time poster, long time lurker, so be gentle! My partner had an old mobile phone debt being chased by Lowell for 3 Mobile. I sent them the Prove it letter in 2011 back not acknowledging the debt and requesting the credit agreement. They sent back one page of an overdue mobile phone bill as proof. Nothing else. The debt would have become statute barred at the end of this month. Fast forward a few years, and it now turns out they issued a CCJ for £350 in January to an old address she has not lived at for 6/7 years, whilst sending threat-o-grams to our current address and our previous address to this one. She has had a letter from Bryan Carter Solicitors yesterday informing her that the CCJ is now in arrears of £150. This was the first we'd heard of any CCJ being issued, never mind arrears, and only today has it appeared on her Noddle credit report under her old address. We have heard nothing from the court at all, but thats understandable given they were provided the wrong address. The noddle report says its £350. They now want £350 for an original £70 debt, which was increased to £209 in 2011, and are adding on these CCJ arrears. My partner has no job (not claiming benefits), no property and no real items a bailiff could repossess. We rent and I own all the items in our flat. I know nothing about CCJ's but a quick google indicates we'd have to pay £155 to apply to have it set aside. They are demanding the CCJ arrears for £150 to be paid in full immediately. I don't know if this is Bryan Carter adding this on, or this is court ordered. We are not married but could they repossess my items as we share a home? What should we do now? Hopefully I've given enough details but please do ask if I've neglected to mention something. -
Hi there I have been paying 40 quid a month for God knows how long on my Santander mortgage and hopefully can claim this back as another 4 grand has gone on mortgage because of this. Can someone give me a pointer to get started please. Thanks
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Hi Caggers My son has got himself into another mess.... He had a joint tenancy (AST 6 month contract). He was unemployed for a while, we gave him money for his rent which he decided not to use for that purpose. The net result was that he ended up at the end of the tenancy with about 4 months of rent arrears; his flatmate also did not pay for at least the final month. The letting agent has now issued a court claim for the rent arrears and a load of other charges (and is of course withholding the deposit - which we paid). Some problems I have spotted: 1. Can the letting agent sue for the rent arrears - surely only the landlord can do this? 2. No LBA was received prior to the papers from MCOL. 3. The figure in the claim has no breakdown, but appears to include the rent arrears from the joint tenant. 4. My son agreed a payment plan with the agent, and made the first payment on this plan. The claim form states that no plan was put into place (we have an email trail showing it did). The claim was only received today, so we have a few days to respond. Any advice on a suitable response (note my son owes some money - but not the total stated on the claim; he is in a position to pay off the arrears in installments). Many thanks Bacon -
Hi I hope someone can help on where to start our secured loan has just finished and we made our last payment on 1st April 15, 120 payments later thinking loan was paid off, we had difficulties in the past been made redundant and business venture not working, we got into arrears these have all been paid back within the term of the loan. We claimed our PPi misselling back a few years ago direct with Ge they offered us £8000 but our arrears was £3000 roughly so they took that amount of the payment and sent us the remainder. Now we have received a letter stating that they want £2299.45 by the 9th may for outstanding fees and interest on a sub account this was a secured loan and I have asked if this balance is held on the property to which I got a reply we will have to check with our solicitor. I'm hoping someone can advise on where to start either get the ball rolling on not paying these fees? or will they take me to court over them even though I have kept to the original agreement of 120 x £??? and loan paid of within set timescale do you think I should do an SAR ? and ask them to freeze intrest until I get reply I don't know where to go. the original loan value was £15000 over 120 payments
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Does anyone know from a legal or banking perspective the date I have made payment if I use a debit card over the phone? Is it the date I give the card details or Is it the date the payment shows on my statement? The organisation I am dealing with is not authorised to go in my credit file due to the terms of the loan agreement unless I go into arrears. They are doing their best to make that happen. Am I in arrears if the payment is still 'pending' on the day it is due even if I phoned the day before? Thanks
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I have received a letter today Dated the 10th of march. Claiming that I have "failed to make repayments as ordered by county court judgement" and stating that i am now " in arrears with the order in the sum of £***.**" I have been given instructions to make payment immediately to bring the CCJ order up to date and prevent further enforcement action being taken against me. they have given me this web URL www dot bryancartersolicitors dot co dot uk and this phone number 08458396157 Apparently their client has instructed for them to take further enforcement action if i do not pay the arrears or contact them within 7 days . They have then listed what this enforcement action may include; Warrant of control, Attachment of earnings, Charging Order, Order to Attend court for questioning. Their client is apparently Lowell financial limited The brand/ product is Vodafone I can provide the account number if needed and the claim number also. They have also given me a reference number. Any advice would be greatly appreciated as I'm very naive with this sort of thing and want to get as clued up as possible before throwing the book back at them so to speak. What should be my first actions and who should I contact as this is the first I have heard that i owe anybody any money and have read some reviews on these people and none of it has been good? Thank you in advance. Al -
This is unbelievable. Yet another calculation error leaving me in arrears when I just paid off the last calculation error. After another stressful week with the CSA I have finally got to the bottom of the latest arrears and this takes the biscuit. In September my partner moved in with ONE of her Two children. The child who didn't move in was 16 and living with the Grandmother so she could commute to the college of her choice. The 13 year old lives with my partner and I. I declared this situation to the CSA and the tax credits were made for just the ONE child. The grandmother claims for the 16 year old. The first recalculation failed because HMRC had not completed our joint claim. This shows they have very up to date information with HMRC. The second change of circumstances was successful and only one child living with me is on the paperwork, the 13 year old. The CSA sent me details with just one child on my change of circumstances. This week I learn that the latest arrears were caused by them calculating TWO children live with me. Two? Tax credits only have one, I only claimed one to the CSA and HMRC have a claim for 16 year old in the Grandmothers address. After four exhaustive calls a case worker called me back. She stuck to the calculation error yet could not explain how they got the wrong information. She also said I should be extremely lucky that I am not being prosecuted for giving false information? This is just unbelievable, everything I have supplied proves that I gave them the right information,. So yet again I am in arrears and they asked me to clear these by Next Friday or DOE may be served. I pay every week without fail and can only pay what they ask for and now I am wrong. The incompetence is staggering, they constantly change the goal posts.
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According to the Telegraph councils are having their wings clipped to prevent overzealous collection and issue of PCNs including possible banning of collection by bailiffs. Sadly it won't prevent Parking Eye, now part of Capita, et.al from ripping people off http://www.telegraph.co.uk/news/uknews/road-and-rail-transport/11453090/Motorists-will-be-given-10-minute-grace-period-when-parking-tickets-run-out.html -
I have about £1400 of student debt from loans I had in 95,96 and 97. I've always been able to defer. Given that Erudio are taking housing benefit, maintenance, etc. into their calculations that takes me over their income threshold. I sent back the old style SLC forms with a letter stating my concerns and requesting clarification over the new form. They ignored the letter and just sent me another copy of their form. My deferrment period is now up and they've since begun to take payments from my account - without any notice of how much and for how long. It appears they've worked out that I need to repay them back over the year and have taken about £110 this month. From what I'd read about repayments I was expecting repayments to be related to a 60 month period. What will happen if I cancel my direct debit? My credit report has only just got out of the red and I don't want them to ruin my credit rating again. Can they really take my housing benefit etc into consideration in their calculation of eligibility for repayments? I'm currently not working so I have no earned income. I always understood that to be eligible for repayments I had to be earning a wage in excess of £20k In the past when I was working part time I never earned enough to have to pay my student loan off. Even so, following a divorce settlement I paid over £3000 of it off when I didn't have to. So I feel really gutted now that I appear to be being forced to repay money to a DCA. I'd like to just cancel my direct debit and just forget about them. Is that possible? -
Hi all Just wanted a bit of help for my daughter if possible. She's a single parent on benefits, and unbeknown to me, she took a couple of doorstep loans out with a company called GR Finance Ltd. Now, she's having trouble paying them. This isn't enitirely her fault, although she should accept much of the blame. She missed a payment before Christmas, but paid it a few days later by debit card. Then the company tried to take the following weeks payment + the missed payment by direct debit (I believe) which bounced due to the extra amount being taken that she wasn't aware of. She then got a bank charge, which left her short and so on. they were charging her card under a CPA and there were bits of money coming out of her account all over the place she asked for a statement of exactly what had been paid etc, and said she wouldn't pay any more until she got it. She got a spreadsheet on excel which she couldn't make head nor tail of, and nor could I, She asked them for something straighforward, showing payment dates, and balances, but they said that was all they would give her. Since then she hasn't paid anything. They are constantly ringing and texting her, and have spoken to her mother, who doesn't even live with her, regarding her debt and missed payments, which they had no authority to do. She can't afford the £20 a week, and should never have taken the loans out, which is her fault, but if they had done proper affordability checks, they shouldn't have granted her any loans either, certainly not the second one, She has tried to offer them a lower payment and asked they freeze the interest, but they point blank refuse to accept anything lower, and would not give her an address to write to (which I see has happened before from another thread on here). Today she got the letter attached, seems completely unprofessional to me, no company number, no CCL number, and when I've searched the company name is actually G R Finance not GR Finance as shown on the letter. The letter also makes it sound as though she will be facing a criminal court, stating 'if you are found guilty' surely that can't be legal? got any advice on what to do, not just on how to go about making an offer of lower payment (now she has an address) but how to respond to the letter and if she has grounds for complaint to anyone about it? Only things I've done to the letter is remove personal information. Many thanks -
Hi, Thought I would start the next (and probably last) round of my ongoing battle with Barclays. This time it's for mortgage fees that were levied between 2002 and 2010. Total is about £1500 and compounded restitution interest at 22% adds another £7.5k. There's no previous claim history with this but the mortgage is still with Barclays (v low variable rate and I will likely remain on this until full term). Also, the arrears were cleared at the end of last year but there is still a suspended repossession order on the house. I believe I can apply to the court for this to be removed at the end of this year (after 12 months of clear payments and no arrears). Should I be concerned about the repossession order and leave my claim until this has been removed? Also, since there are no arrears and payments are up to date, would I get the choice of crediting this payment to the balance or directly to myself? Thanks, J
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I was rang by my decision maker today and told I had failed my medical with no points but when I explained that the woman didn't listen and was a horrible person she said she would put me in the support group and I could go to a medical in 12months I put my claim in approximately oct 2013 I was wondering will I get an arrers payment and does anyone know approx. how long thankyou
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Can someone advice me here please? I have arrears with Swalec for £900 and they are threatening to install a prepayment meter which I do not want. They are willing to take £200 a month which I really cannot afford, and thats the repayment plan I have been offered.I want a repayment plan I can afford to pay each month. What can I do? Thank you
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Hi all I wonder if I could ask for your advice please. I am in arrears with my mortgage and am trying to sort out making repayments towards the arrears. I have sent them a letter with a list of my expenditure and made an offer of £100.00 pcm towards them. They have replied saying they will not accept the offer until they have spoken to me on the telephone. The letter sent also said that they will continue charging me an arrears monitoring charge of £50.00 pcm. So I have a couple of questions 1) Can I reclaim these charges - they do go back a couple of years to be honest 2) Is there a template I can use regarding speaking to them only by letter or email. I really don't want to speak to them on the telephone Any advice is really appreciated Thanks Madge -
I have been helping a friend of my daughters sort her debt problems out. She has 3 payday loans. I have sorted 2 of them and got them to freeze interest and allow her to pay the loans at a minimum amount. The 3rd one is with Clear Account and they just won't play ball at all.On her debt of £350 she is paying £35 per month and they are charging her £15 in interest. Is there anything that can be done to get them to freeze the interst and not charge her anymore? TIA
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Hi - Could you advise me please. I lived in the ROI for approx. 4 years. Then the horrendous property and economy collapse happened and me like many others were left with very high mortgages and a property worth prob 50% of the value. I am faced with huge mortgage arrears and am trying to get them to agree to a reduction in the mortgage (i.e write off a lump of the negative) then re structure. They might not go for this but wondered what my options were. My mortgage is for circas 500k and the house is worth circa 280k IF I was to hand the keys back could they chase me in the UK for the debt? Is my bad credit in ROI going to cause issues for me in the UK? If I go bankrupt in ROI does that cause issues for me in the UK? I have currently been back in the UK for 6 years and the have been in sporadic contact with me. Any advice or direction would be much appreciated. Regards -
I have an overdrAft with halifox which is in arrears. Previously I sent a sar request and received a quite comprehensive sar. It contained the previous 3 years statements, and screen info of the previous 3 years transactions. These seem to be the statements in 'raw' form. I have crawled through the statements and found all the charges applied over the years. Unauthorised overdraft charges I think. The account shows on my credit file as defaulted with arrears greater than the closing balance. I have previously received letters from moorcroft about this account. Now I receive only a yearly statement from halifox. Can I reclaim the charges back to reduce the balance? Thanks for looking and please help. I will never be able to pay this as it is. It's for over £3000 now.
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Hi looking for email address for Temple Finance so can forward email regarding arrears caused by there store failing to inform me that they had cancelled my Debit Card continuous authority due to their system being changed They took payments from money that had accrued from a slight overpayment and then allowed the account to go 2 weeks into arrears before making any contact They require a new arrangement to be set up and need to have the card swiped to set it up, however, due to work commitments have been unable to get in store and have asked them to send me details for online banking so i can control payments but instead have sent the door step brigade demanding goods back whilst i have been at work have now sent in letter of complaint to the store but cannot find email address for their parent company and customer services I want control of the payments as about to hit them with SAR request and then refund of insurances as despite giving copy of my insurance when agreement was taken out was told theirs was compulsory but after reading this group and others realise it is not !! Also aware from this of the 1/3 rule and repossession of goods and as the agreement has been in pace since Nov 2012 and has just 12 months to run will be standing my ground -
Parents who default on child maintenance payments face being turned down for mortgages and credit cards under new government plans. From March 2015, information from parents' payment records in England, Scotland and Wales could be shared with credit reference agencies. Financial organisations would then use this data to decide whether or not they want to offer someone credit. The record of a missed payment won’t appear on a credit record until a liability order is made against them. -
Hi, I recently received several letters from Marstons regarding council tax arrears, some dating back almost 8/9 years. They were completely out of the blue and when I called the council I was told they are correct and to deal with Marstons. When I initially called them to discuss a payment plan I was told the total monthly payments would come to over£500, which I simply do not have spare each month. When I explained I couldn't meet this the guy on the phone told me to email them with a bank statement or wage slip and a list of my outgoings each month. I did this and also explained that my income varies if I have been off work sick and that I am expecting my first baby and need to therefore buy items like a pram, cot, clothing etc and that I also had other creditors I was still negotiating with. I also explained I own nothing in the house as it's all my partners. I had to chase my original email up several days later to be told that I would have to pay set amounts totalling just over £400 and that items like personal care and my mobile contract and other creditors wouldn't be taken into account as they are non priority. I then email back to advise that my mobile was as cheap as I could get, still in contract and my only means of contact with my partner, midwife etc and even if I did have that amount of money spare each month how did they then expect me to provide for my baby. All I got back was the same email again, my pregnancy wasn't even acknowledged in any email from them. I then had a bailiff knock on my door tonight saying he had a liability order and even though I tried to explain I was trying to negotiate payment terms he wasn't interested. All written correspondence from them was prior to my contacting them to arrange a pay plan also, nothing since. They clamped my partners care even though he showed them he was the registered keeper, I only just have a provisional licence and don't own a vehicle but they said because we live together they could seize the car. My other half needs the car for work and business. Because they were so aggressive and confrontational and threatening to remove the care I gave them my debit card to pay it off the single sum they were there about, which has left me with pretty much nothing for the rest of the month. My partner is understandably furious and wants to speak to both Marstons and the council in the morning to complain and get this resolved but I'm not sure where we stand legally. I'm sorry to ramble on but I'm seriously stressed out and it's already made me feel unwell enough to have cause abdominal pains round my baby. Any advise or help would be greatly appreciated.
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