L
lenshack
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An Englishman’s home is his castle.
Keep the buggas out and tell them to go to hell.
Keep the buggas out and tell them to go to hell.
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I received a letter last week from a bailiff company saying they've bought my debt from a housing association I used rent a flat from.
The debt is only £337. But after paying everything from my monthly wage I'm only left with £40 or £50 quid a week to live off. So it's gonna be a pain in the arse to pay it.
I'm certain when I left the flat I wasn't in any rent arrears. I moved out of there in 2014 and this is literally the first I've heard from it. I contacted the housing association and they've said they'd send me a statement out but it's been over a week now. I've emailed them again on Friday and heard nowt back. The bailiffs said they can only hold my account for another 3 days before they continue to take action.
Any advice? I'll be happy to make a payment plan if they can prove to me I owe money but I want to see evidence first. I know it's only £300 odd but it's a bit of a big deal for me.
That's vampires.Don't invite a bailiff in.
As you’ve said, get evidence that you owe the money first. Lots of debt collection agencies give it the billy big bollocks sending you letters stating that they’re going to send the bailiffs. They won’t. They’ll probably send you fake legal CCJ letters as well, but they have absolutely no legal standing. That said, the worst thing you can do is ignore it. Get proof of what you owe, and set up a payment plan if necessary, they cannot make you pay more than you can afford. You have more power than they do.
If I do owe money (although doubt I do) could they refuse an offer of say £20 a month?
I've emailed them twice. Their opening hours to ring them is when I'm at work so can't ring them.
I just don't want bailiffs coming to the door. I've got nowt they can have anyway.
It's just they seemed like they won't be reasonable and wait for a statement to come through. Like I said I'd be happy to set up a payment plan if it's proved I owe the money. Its just came as a bit of a shock.
Worth seeing your local Citizens Advice- many have debt advisors who can help. They deal with bailiffs oftenI received a letter last week from a bailiff company saying they've bought my debt from a housing association I used rent a flat from.
The debt is only £337. But after paying everything from my monthly wage I'm only left with £40 or £50 quid a week to live off. So it's gonna be a pain in the arse to pay it.
I'm certain when I left the flat I wasn't in any rent arrears. I moved out of there in 2014 and this is literally the first I've heard from it. I contacted the housing association and they've said they'd send me a statement out but it's been over a week now. I've emailed them again on Friday and heard nowt back. The bailiffs said they can only hold my account for another 3 days before they continue to take action.
Any advice? I'll be happy to make a payment plan if they can prove to me I owe money but I want to see evidence first. I know it's only £300 odd but it's a bit of a big deal for me.
One I had to deal with was right wanker. Got slapped with a bill for over a grand for council tax despite student exemption forms being sent previously.
He turned up at the house one day when I wasn't in, so I phoned him and after asking repeatedly if he had a warrant to forcefully enter, he had a right meltdown on the phone saying he'd show it to me as he was taking all my stuff . Since the council were f***ing useless, the documentation I'd re-sent hadn't been processed and he phoned again to say he was on the way to me and that I'd better have something for him. After getting tired of trying to be a civil, I just had to laugh down the phone and tell him to come and try, but to make sure he brings that same attitude he had on the phone... Never showed.
Loads of them are just fat deluded bullies who'll try anything and seem to assume that every debt they take on must be from some scratter.
It costs £50 for a small claims summons.Also if you owe under a grand they probably won't take it to court as it costs a bit etc. £300 ish quid v £1000 + legal fees, no brainer really...............that's why they apparently sold the debt to some bullies.
I don't think it does.It costs £50 for a small claims summons.
Celery soup is another firm favourite of @monkeytassle, only costs 3p a day for a family for 43Firstly brush up on your soup and Bolognese recipes.
Also you should have budgeted for this.
The above are strongly recommended for people with only £40 to £50 a week to live on, by the resident financial experts on here.
I'm sure you can request to see the evidence of any debt, then come to an agreement to pay it off, to suit both parties.
Maybe take legal advice?
Depends what point it is in the debt recovery process, if it’s just been passed to the collection agency then they should accept a payment plan, if it’s been with them a while and they’ve sent various letters then it could be they will remove goods of it’s not paid.So if they're on the phone saying I need to set up a payment plan I can refuse until I get the statement from the housing company?
If I do owe money (although doubt I do) could they refuse an offer of say £20 a month?