First of all, thank you for taking the time to read this.
I have no idea where to turn, who to talk to and after an hour of frantic googling, I found this forum.
I'll keep it as short as possible-
Today, I came home from work, to a hand delivered letter from a debt enforcement agent saying they had attended today with intention of removing goods.
Did you get anything that looks like this? http://www.legislation.gov.uk/uksi/2014 ... edule/made
It looks like the council is taking multiuple enforcement steps concurrently.It says they will be back again tomorrow between 6am and 9pm with removal contractors and may remove goods in my absence.
Now the back history-
I went through a really difficult year and I stupidly buried my head in the sand with council tax.my fault entirely, I Get that, BUT, I have two letters from the council for 2 separate attachment of earnings orders. One for £148.90 and the other for 165.81...on my last 3 month pay slips there are THREE attachment of earnings payments coming out every month. One for £52.31, one for £34.75 and the other for £37.36.this has happened for the last 3 months.so I assumed the debts were being cleared.
My current council tax payments are for £40 a month, which I started paying last month (now I'm getting myself organised and sorted).
On the enforcement notice it says I owe a debt and court fee of £249.72, plus a compliance fee of £75.00, plus an enforcement fee of £235.00.so in total this enfircment agent says I owe £559.72.
I have no idea how the debts are now 4 separate debts, 3 of which are attatchment of earnings and one with a debt collector.
I know they are different liability orders, but I have a feeling there might be something in the regulations that probit this.
I didn't realise I had any debts outstanding as I thought they were being covered by the three separate attatchment of earnings orders currently in place.
I didn't get home until 7.30pm so couldn't call the council and I've tried to call the debt collector twice and sent him a txt message explaining all of this and I'm absolutely certain this is an error with my council tax department.
What do I do from here?
I'm working tomorrow and am going to town hall tomorrow to find out what my debts are in total and what, other than the 3 payments already coming directly out of my pay plus the £40 a month I already pay, are still owed and to make a payment plan.
But how do I stop this bailiff?? I'm a single mum of two,
Does this apply to you? http://www.dealingwithbailiffs.co.uk/Ba ... eholds.htm
NO!.working part time and we don't own that much and what we do own I can't afford to replace and I can't have this happen to my kids.
I've read not to let the bailiff in and to keep all my Windows and doors locked but I have a dog flap and 3 dogs and I'm worried about the wellbeing of my dogs if this bailiff breaks into my garden and they try and protect their home as new dog laws stare if a dog bites someone in your garden I can be prosecuted, even if someone is breaking into your garden.
Can they call police to break into my home?
Protect yourself: http://www.dealingwithbailiffs.co.uk/Ex ... liffs.html
Run this checklist and see what else it trumps up: http://beatthebailiffs.org/Council-tax-bailiffs.htmlI'm certain I'm already paying these debts..this all started 10 months ago with a job that messed me about with pay and it messed up my housing benefit and council tax and it's taken until now for me to dig myself out of everything.
I don't understand how they can charge so much?
Does anybody have any advice at all?
Any help would be desperately appreciated.