Urgent help needed in next 72 hours

[Guest]

Re: Urgent help needed in next 72 hours

When they say that they will remove goods in your absence, it basically means if you have anything of value outside of the home, this can be removed. It DOES NOT mean that they can take anything from inside the home.

If she doesn't have a car, she is in a very strong position as that is normally the only thing of value outside a debtors home.

There is absolutely no harm whatsoever attempting to claim vulnerability. My experience with bailiff companies is that they will respond stating that as your daughter is working, she has the means to pay so will never have to deal with a doorstep bailiff.

You need to do the following as a matter of urgency:

Email the council FAO The Recovery Manager. Copy the email to Rossendales as well. Advise of the health issues and attach supporting evidence if you can-If not, advise that you will be posting supporting evidence. Ask for the debt to be returned to the compliance stage but don't pin your hopes on this being accepted.

Your daughter is going to have to pay this debt so she needs to think about what she can realistically afford to pay on a weekly/monthly basis. Advise the council that Rossendales are demanding the arrears in full but your daughter doesn't have these funds and only works part time. Offer to pay a set rate as stated above and ask the council to advise Rossendales that they must accept this offer. Ask that enforcement be suspended until this offer has been considered.

Do not let the bailiff in. Do not even talk to him/her. Txt him/her and advise that you have written to the council asking to pay weekly/monthly instalments and that he/she is not to return until the council have resolved this matter. There will be no access to your home in any case.

You can do the above as a formal complaint if you wish, headed to the CEO. As you haven't asked for the opportunity to pay in instalments, I think a letter to the recovery manager may be best in the first instance. The bailiff cannot add any more fees now in any case, unless entry is gained to the home. keep doors locked & refuse to deal with him if he returns before the council respond.

[theGobbyOne]

Re: Urgent help needed in next 72 hours

[MENTION=60180]L.Bizzy[/MENTION]

Spoke to my daughter last night she had previously asked for installments to be paid and Rossendales refused point blank before she got final warning posted through the door.

[Guest]

Re: Urgent help needed in next 72 hours

Sounds like Rossendales.

Do the formal complaint then

[theGobbyOne]

Re: Urgent help needed in next 72 hours

Sounds like Rossendales.

Do the formal complaint then

I am currently in arrears with previous years council tax bills and am trying to sort my financial matters out. My council tax arrears have been sent to Rossendales bailiffs and I rang several times in April 2015 asking to pay in instalments they have point blank refused any offer of repayment if its not paid in full in one instalment. I cannot possibly afford this and explained this to them via telephone but was met with its an all or next stage attitude.

This has now meant that despite a refused offer of repayment that Rossendales have now added £320 to my debt and that has plummeted me further into debt.

I shall also be making a formal complaint about Rossendales and how they have dealt with my case in refusing an offer of repayment.

I am a single parent with long term mental health issues and feel extremely vulnerable in my own home as the bailiff made threats in writing on the 5th May 2015 with a letter put through my door to return to my home and remove goods on May 11th 2015 even if I am not at home if I did not pay in full by 8th May 2015 .I trust this was not your intention as a responsible council when passing on debts that a company is using these kind of tactics and refuse any offers of affordable repayment if it does not involve paying the debt in full.

This is making my anxiety disorder much worse and is exacerbating my mental health condition. Medical proof of my long term mental health can be provided and I shall be asking my GP to formally write me a supporting letter.

I am formally asking that the debt is called back to the liability stage by Hyndburn Borough Council and that a weekly offer to repay of £10 is considered as this is realistically what can be afforded. If Hyndburn Council cannot or will not call the debt back from Rossendales then I am requesting that as the original debtor you advise Rossendales that this offer of repayment be accepted.

I have also formally asked Rossendales not to pursue the debt until Hyndburn Borough Council have responded with an outcome to my request and have also advised them that no entry will be given to my home to any bailiff.

I will send a completed income/expenditure form as soon as I can complete one.

I have copied Rossendales bailiffs into this email so they are aware of my intentions.


***** thats what I emailed the local council.

[theGobbyOne]

Re: Urgent help needed in next 72 hours

I text the bailiff as advised and this is his response:

Until I recieve a hold action from the client I have no choice but to action the liability order.( Mr Crawford)

[wales01man]

Re: Urgent help needed in next 72 hours

Councils must realise that debtors can only pay what they can afford its commonsense but when your dealing with Council workers????????

[Guest]

Re: Urgent help needed in next 72 hours

Txt back:

Yes you do have a choice. You have been informed of vulnerability and now have a duty to report back to the creditor on how to proceed. As no vehicle is outside and you will not be permitted to enter the house, you will achieve nothing by ignoring my request

[theGobbyOne]

Re: Urgent help needed in next 72 hours

Txt back:

Yes you do have a choice. You have been informed of vulnerability and now have a duty to report back to the creditor on how to proceed. As no vehicle is outside and you will not be permitted to enter the house, you will achieve nothing by ignoring my request

done

[theGobbyOne]

Re: Urgent help needed in next 72 hours

The response:

I cant take your verbal word for it I will need to see proof of vulnerable status and take it from there.

Have asked what proof

- - - Updated - - -

The response:

I cant take your verbal word for it I will need to see proof of vulnerable status and take it from there.

Have asked what proof

he answered: "proof of vulnerable status"

[Kati]

Re: Urgent help needed in next 72 hours

The response:

I cant take your verbal word for it I will need to see proof of vulnerable status and take it from there.

Have asked what proof

- - - Updated - - -



he answered: "proof of vulnerable status"

Haven't you already said that you're going to the doctors to get a supporting letter? Maybe you should text back saying it should be put on hold until you have that

[theGobbyOne]

Re: Urgent help needed in next 72 hours

Haven't you already said that you're going to the doctors to get a supporting letter? Maybe you should text back saying it should be put on hold until you have that

yes I have replied I will get a MALG for him from the GP asap.

he is like a dog with a bone and I shall not respond to him anymore I have done everything possible but he just isnt interested.

- - - Updated - - -

He replied with

OK I will put a hold on the case for 10 days, if you could forward proof to Rossendales and Hyndburn BC when you get it!!

[Kati]

Re: Urgent help needed in next 72 hours

he is like a dog with a bone and I shall not respond to him anymore I have done everything possible but he just isnt interested.

formal complaint to Rossendales and the council then (IMO) ... it's a CT debt, they have to accept affordable repayments and are meant to refer back to the council when necessary :tinysmile_twink_t2:

- - - Updated - - -

OK ... ignore my last post (for now) :lol:
Glad it's on hold at least xx

[Guest]

Re: Urgent help needed in next 72 hours

"Until I recieve a hold action from the client I have no choice but to action the liability order.( Mr Crawford) "

"OK I will put a hold on the case for 10 days"

Oh right-It seems Mr Crawford did have a choice after all-Theres a surprise.

[Debt Camel]

Re: Urgent help needed in next 72 hours

If you have letters relating to your DLA that mention your mental health problems, these will do fine as proof.

The suggestion to consider a debt relief order is very sensible. Having debts and mental health problems tends to interact badly, with the debts making you more anxious and stressed and the mental health problems making it harder to take good debt decisions. The DRO criteria are here http://debtcamel.co.uk/debt-options/dro/. Good places to get one set up are your Citizens Advice (face to face) or National Debtline (over the phone).

[theGobbyOne]

Re: Urgent help needed in next 72 hours

Thank you so much to everyone for all your support it is very much appreciated :tinysmile_kiss_t4::tinysmile_kiss_t4::tinysmile_k iss_t4: