Too scared to answer the door :(

hallowitch · 12 August 2011 at 6:05PM

Could you sell what you describe as your wii and games? Could you also sell one of the laptops? If it were me I think I would ask the kids what console they wanted to keep and sell the other two (or sell the two most valuable) along with one laptop (I understand one may be needed for uni work) as they need a roof over their head more than (5??!!) computers.

goods levied belong to the bailiff who levied them he has taken walking possession of them it is a criminal offence to sell goods subject to seizure

Darlyd · 12 August 2011 at 8:28PM

The wii was bought for her DD, xbox was bought for her DS, these were bought from grandparents, would be unfair to take these away from them because of DH. PS is DH. I doubt he will part with anything as he is not living in the real world. (am sorry baby cakes but its true).

OP has a laptop which is rubbish, but she needs it for uni, half the time she lends her friends. I gave DS tv for their bedroom, I also gave them bedroom furniture. They really do not have any luxuries to sell on. Her phone is half knackered, DH phone is OK but again he will not part with anything. She has a car for herself, and needs it as she lives out of no where. And she needs to commute kids to and fro school as well as commute to uni/placement. She can only drive automatic so these are hard to come by cheaply.

Going back to the council tax, I read above that STUDENTS do not pay it? Is this true? If so then surely she can claim some money back?

Have just let her know she has more replies, she really is distressed right now.

Thank you for helping.

gettingbackontrack · 12 August 2011 at 8:37PM

darlyd, please tell the OP that people are worried about her. She deserves better than this - studying to be a nurse isn't easy (heck, it's an achievement just to get on the course!) and she should be proud of herself.

You're a good friend - please encourage the OP to get professional advice re council tax and the rent - her children COULD end up homeless unless things are dealt with. Her OH must be made to realise this - and if not, other plans must be made. Arrears on credit cards and loans are one thing, arrears of CT and rent and utilties are another and once bailiffs are involved it can get messy.

I hope she's OK. PLEASE get some proper help. Things will work out but not if they carry on as they are.

MrsE_2 · 12 August 2011 at 8:41PM

c.cox wrote: »

The bailiffs have written down the kettle, toaster, cooker, hoover, x2 laptops, X box, ps3 my wii+games, dining table + chairs, my 2 settee's, dvd player, printer, deep fat fryer & sandwich maker! :mad:

Can the bailiffs take your cooker? Your table & chairs, your sofas? your kitchen items?
I thought it was luxuries they took?

How can they take a cooker from a home with children?

ms_night_ryder · 12 August 2011 at 8:45PM

#23

darlyd

I hope the op doesnt get any more stressed reading my posts, thankyou for the break down, can the op do any of my suggestions? i understand she is a nurse, so perhaps she can use lunch breaks to do a bit of ms? or ebaying/amazon???

op you will be o.k, really you will, the first step is realising any problems, it doesnt sound as if your debt is Huge to be honest, far worse out there.

I understand the stress of baliffs believe me, i had a period of a few years where, every year literally, i had the baliffs knocking my door for council tax, i eventually got my aunty to bung all debts on her credit card and i now pay her back monthly 150, it has worked out well, i now longer have to be tense everytime i leave my house, for fear of a baliff jumping out, i had one occasion where the baliffs came to my house at 6:30am demanding payment and i had them in my home, if i knew then what i know now! but tbh, nothing of any value was in my name and that was only my sofas and a tv, nothing else.

I am now in a much better place thank christ.

ms_night_ryder · 12 August 2011 at 8:49PM

i dont think they can take your cooker or fridge.

CIS · 12 August 2011 at 8:50PM

Going back to the council tax, I read above that STUDENTS do not pay it? Is this true? If so then surely she can claim some money back?

As posted earlier I would agree that the council tax bill does look incorrect.

A full time student nurse would be disregarded for council tax purposes, this means that she will not be counted in the calculation of the council tax due. If her husband is the only other adult then a 25% discount applies from the date she became a full time student.

Additionally, a full time student resident in the property with a partner who is not a student cannot be held jointly liable for council tax purposes - in simple terms the husband is the only one who should be named on the bill for the period whilst she is a full time student.

Darlyd · 12 August 2011 at 8:54PM

CIS wrote: »

As posted earlier I would agree that the council tax bill does look incorrect.

A full time student nurse would be disregarded for council tax purposes, this means that she will not be counted in the calculation of the council tax due. If her husband is the only other adult then a 25% discount applies from the date she became a full time student.

Additionally, a full time student resident in the property with a partner who is not a student cannot be held jointly liable for council tax purposes - in simple terms the husband is the only one who should be named on the bill for the period whilst she is a full time student.

WOW Thank You.

Have text her the details, hopefully she will pop on soon.

theoretica · 12 August 2011 at 9:22PM

I think there could also be a complaint about the bailiff listing things he cannot take. From : http://www.debtadvisersdirect.co.uk/Features/3040/in-debt-what-can-a-bailiff-take-from-my-home.htm [but note this looks like a fee charging company so go elsewhere for advice]

Bailiffs can take any household goods up to the value of the debt you owe, except for goods that are necessary for a basic standard of living. So, they cannot take:

Essential furniture and appliances such as your oven, fridge or bed
Clothing
Children`s toys
Anything that doesn`t belong to you (rented or other people`s property)

However, in some circumstances they can take items such as TVs, computers/laptops and stereo systems, as long as they belong to you. They can also take items that you jointly own with someone else.
They should not take anything that is essential for your work - so, for example, if you work from home, they shouldn`t take your work computer.

fracturedsun · 12 August 2011 at 9:29PM

If the council ask for proof you are a student you can get an exemption certificate from your university or college (basically a signed letter stating that you are a registered student, when you started and when you are due to complete). The finance office in my uni dealt with this but your SU should be able to point you in the right direction.

Too scared to answer the door :(

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