Now it's not much of an amount, a couple of hundred quid, but when I called to make an arrangement to pay (£50 a month was all I could manage) they refused, stating that I had to pay a minimum of £80 or send in proof of income and outgoings. I managed to scrape together the extra amount and sent off the cheque.
Me being me I then forgot all about it until now, letter arrives this morning demanding the rest or they'll take court action and arrest my wages etc. PHONE IMMEDIATELY OR YOU WILL DIE! it said, or words to that effect.
Right now I am skint again. It would take me two months to get the balance together but I fear that if I call these dudes they'll say the same thing again - Pay what we tell you or produce proof of earnings.
So once again I'm putting it off. The letter is at home waiting for me, the sight of it when I go in will ruin my weekend.
Can they make these demands or must they accept what I offer?
Me is scared stiff and it's all my fault.
― thesilly (Rumpie), Friday, 18 March 2005 16:35 (fifteen years ago) link
― Tracer Hand (tracerhand), Friday, 18 March 2005 16:39 (fifteen years ago) link
― Tracer Hand (tracerhand), Friday, 18 March 2005 16:46 (fifteen years ago) link
Chances are if you phone again you won't get the same person, and the person you speak to may be amenable to a repayment plan to suit you. For the sake of about £150 I imagine they aren't going to pay legal costs if you show willingness to repay it (I am no legal expert, but have had council tax arrears in my younger and foolisher days). The longer you leave it though the more you will appear to them like they are never getting their money back.
Please don't ignore it, it's the worst thing you can do. Since it's a relatively small amount, can't you get an overdraft/bank loan/cadge money off someone/sell something to cover it?
― ailsa (ailsa), Friday, 18 March 2005 16:59 (fifteen years ago) link
― Markelby (Mark C), Friday, 18 March 2005 17:03 (fifteen years ago) link
― ailsa (ailsa), Friday, 18 March 2005 17:10 (fifteen years ago) link
I'm not in the position to get a loan or borrow from family or friends, I vowed never to do that again and try to sort out my own mess from now on in. Ha. What resolve she has.
― Rumpsy Pumpsy (Rumpie), Friday, 18 March 2005 18:19 (fifteen years ago) link
― Tracer Hand (tracerhand), Friday, 18 March 2005 18:39 (fifteen years ago) link
Proof of earnings usually don't ask for receipts/things like that. As I remember, they just ask what do you owe on other loans, rent/mortgage, what are your monthly phone/gas/lecky bills, how much to you spend on shopping, that sort of thing. Stick a few quid on each of the estimated ones, and let them see your payslips/a letter from your employer.
Stupid question - do you have a credit card? Can you put it on that, then transfer to an interest free one?
― ailsa (ailsa), Friday, 18 March 2005 19:06 (fifteen years ago) link
― andy --, Friday, 18 March 2005 19:30 (fifteen years ago) link
― Rumpsy Pumpsy (Rumpie), Friday, 18 March 2005 19:32 (fifteen years ago) link
According to the council, they are liable to pay his share, which seems preposterous to me. If anyone I shared a flat with in the past turn out to have been a benefit fraudster, can the debt collectors come looking for me?
Anyway, is it actually likely that they are really going to be forced to pay for him?
― Eyeball Kicks (Eyeball Kicks), Thursday, 26 October 2006 13:27 (thirteen years ago) link
― ailsa (ailsa), Friday, 27 October 2006 12:04 (thirteen years ago) link
In this case, the original council tax bill, with the three names on it, included a deduction of a third for this guy's council tax benefit. So two people shared the remainder. Now, just after he's moved out, a new bill arrives with the last few month's benefit cancelled. The Hackney phone people confirm there has been a problem with the claim, but refuse to go into detail because they can't discuss someone else's benefit. They did say that the remaining tenants are jointly liable for the money.
This seems ridiculous to me because the problem can only have been either a) the council's error, in which case they can get stuffed, or b) a fraudulent claim (highly likely) in which case they should call the police or chase after the claimant themselves, rather than pestering the people who actually bothered to pay their share. As I said, I don't think they can legally demand this money, otherwise everyone who's shared a property is liable for the behaviour of all their former flatmates.
― Eyeball Kicks (Eyeball Kicks), Friday, 27 October 2006 12:35 (thirteen years ago) link
if not, you only just moved there just last week.
this is how you should do things for rental properties
A) have your payslips, bank statements sent to your parents address. this is your official address. make sure you stay on the electoral register there also. you might even want to appear on the council tax bill there
B) all bills at the property you rent must not have your name on them. it really doesnt matter who's name is on them. make names up. david hamilton is a good one, dudley richards another, but it really doesnt matter. you can put anyones name on a bill, they really dont care. same for the council tax. it really doesnt matter, just make sure your name is never on there
c) make sure the bills are paid, this way lies the least trouble. but, in rental properties problems arise, you are not responsible, and, whats more, you have proof you live somewhere else
― -- (688), Friday, 27 October 2006 13:00 (thirteen years ago) link
― -- (688), Friday, 27 October 2006 13:01 (thirteen years ago) link
Has anyone dealt with a legit debt relief/debt management company?
I have ~18k in credit card debt, and make less than $20k/year. I'm working on selling everything I don't need, but it's still going to be a slog to pay it off and start over. I'm not behind on anything, and unless business bottoms out completely I should be floating for the foreseeable future. I was thinking about contacting a company that the NFCC recommends to speed the process of paying it all off - but I'm not sure how much I'd potentially save in exchange for the hit on my credit score.
― FIST FIGHT! FIST FIGHT! FIST FIGHT IN THE PARKING LOT! (milo z), Tuesday, 16 March 2010 20:05 (ten years ago) link
I don't know a good one, but I had a not-great experience with The Credit Counseling Foundation (based in Florida). They charged extra to make your payments electronically and failed to make payments on time several times in the 3 years I used them, negatively impacting my credit rating even more. They did get the interest rates lowered on several cards, but with the up-front payment they required and the additional fees they charged ($35/month service fee), I really don't think they saved me any money.
If you are thinking about trying to do it yourself with a consolidation loan to pay things off, I can highly recommend Prosper.com.
― Jaq, Tuesday, 16 March 2010 20:32 (ten years ago) link