Scott & co CTAX debt help - scotland

[Kaye09]

Hi I'm hoping for some advice on a few debts I have,

 

I'm not sure of the exact amount but somewhere in the region of £5000.

 

The largest of which is pre 2012 council tax arrears of £1200.

 

I have recently recieved a letter from Scott & co regarding making payment in full before it is passed on for a summary warrant.

 

I don't currently work and receive no benefits as my partner works and earns above the threshold.

 

He was made bankrupt in March 2012 and has since been discharged although is still making payments towards the bankruptcy until March 2015.

 

my question is

 

what is the best route for me to go down?

 

I know there is a Lila bankruptcy in Scotland

but I'm not sure if that would take my partners income into consideration

which would mean I'm not eligible?

 

Would he be asked to make bankruptcy contributions on my behalf?

 

We are unmarried and living in rented accommodation.

 

Thank you in advance for any answers.

[Kaye09]

Also does anyone know how likely Scott & co are to take a smallish repayment of £10 pw?

[dx100uk]

have you spoken to the original council to see if they will accept a plan

 

you need to deal wit this pronto.

 

dx

[Kaye09]

have you spoken to the original council to see if they will accept a plan

 

you need to deal wit this pronto.

 

dx

No I haven't but

 

was under the impression as it had been passed to Scott & co they wouldn't deal with me directly.

 

I bit the bullet and phoned Scott & co this afternoon and spoke with a woman who advised they would be willing to set up a repayment plan of £25 per month,

 

I hadn't made any suggestion of what I was able to pay at that point

 

although she told me i would have to call again on Monday to set it up as they need the first payment there and then

and don't have any money in account until then.

[dx100uk]

there is no harm in asking the council

 

there are no set rules only what they make

 

are you or any occupant vulnerable?

Department for Constitutional Affairs - Enforcement - National Standards for Enforcement Agents

.

Vulnerable situations

•

Enforcement agents/agencies and creditors must recognise that they each have a role in ensuring that the vulnerable and socially excluded are protected and that the recovery process includes procedures agreed between the agent/agency and creditor about how such situations should be dealt with. The appropriate use of discretion is essential in every case and no amount of guidance could cover every situation, therefore the agent has a duty to contact the creditor and report the circumstances in situations where there is evidence of a potential cause for concern. If necessary, the enforcement agent will advise the creditor if further action is appropriate. The exercise of appropriate discretion is needed, not only to protect the debtor, but also the enforcement agent who should avoid taking action which could lead to accusations of inappropriate behaviour.

•

Enforcement agents must withdraw from domestic premises if the only person present is, or appears to be, under the age of 18; they can ask when the debtor will be home - if appropriate.

•

Enforcement agents must withdraw without making enquiries if the only persons present are children who appear to be under the age of 12.

•

Wherever possible, enforcement agents should have arrangements in place for rapidly accessing translation services when these are needed, and provide on request information in large print or in Braille for debtors with impaired sight.

•

Those who might be potentially vulnerable include:

'

the elderly;

'

people with a disability;

'

the seriously ill;

'

the recently bereaved;

'

single parent families;

'

pregnant women;

'

unemployed people; and,

'

those who have obvious difficulty in understanding, speaking or reading English.

 

this applies to the whole HOUSEHOLD 'a' vulnerable person resides there.

 

..........

[Kaye09]

The only category that would fit here is being unemployed, I am happy enough with the proposed arrangement from Scott & co, in fact I think I'm going to propose upping the payment to £40 pm so it's cleared quicker. Is that a good idea or am I best leaving it at their suggested £25 pm? Thanks for your time dx

[Kaye09]

Sorry Dx just reread your last post about enforcement agents, is that still likely to happen when I set up a payment plan with Scott & co?

[maroondevo52]

I am happy enough with the proposed arrangement from Scott & co, in fact I think I'm going to propose upping the payment to £40 pm so it's cleared quicker. Is that a good idea or am I best leaving it at their suggested £25 pm?

 

Hi,

 

Stick to what you can comfortably afford and do all you can to avoid missing any payments, as long as you pay your current Council Tax along with these arrears you will not have any problems and Scott & Co will not pay you a visit.

 

I'd stick with the £25 per month if this is no problem, saying you will pay them any more may cause you bother in the long run.

The debt will not increase as long as you stick to the payment plan.

 

Regards,

 

Scott.