Help in a Mess again ( STILL )

rainbowj63

apologies i have spoken to CCCS with regard to a DRO but as i have well been unwell recently due to relationships breakdown i have let things slip a bit and feel overwhelmed as i am seem to always be getting different letters from different debt collection companies and cannot keep track of who own which debt so am having problems getting up to date paperwork together to send to CCCS. I did get my credit report but it is now a couple of months old. Does this matter or do i have to get a new one to send. I wrote to all my creditors telling them i was seeking a DRO via CCCS and it seems that prompted them all selling my debts on further confusing me.

I dont know what to expect next throught thedoor, I had a letter from Phillipps saying they were bailiffs and debt collectors for the overpayment of Housing Benefit (not my fault and not entirely correct as i was due a lot of it) now panicking as i have no money to pay them of and terrified they will come in and take my stuff.

I am already dealing with Chandlers as the council would not accept my payment for the arrears of council tax also stuffed up because of the HB stuff so am paying them off i had to give them what food money i had left till next week, well they are collecting it tomorrow at half nine after i have finished night shift. I have to pay the costs 25.00 then they will allow me to make a deal with their office to pay monthly have to say the bailiff was really nice on the phone the one from Chandlers but when i called Phillipps it was a different story i said i was unable to pay anything until the 25th when i get paid and they said that i had to ring them then but it was up to the agent if they visited my house to seize goods in the interim. They wanted 100 downpayment which i have nt got i have nothing till the 25th. Can they come in and seize goods for HB overpayment, I dont think they have a liability order I know chandlers had one for the Council Tax.

Can anyone help with how i 1,. proceed with the DRO and 2. how i deal with Phillipps as i find it all very daunting. I am very upset and cross with myself for burying my head in the sand again just cant seem to get back on an even keel.
any advice welcome
thanks in advance
desperate here

tealady

Hi
Can't offer much advice but I would try to contact Herbie 21 re bailiffs.

CIS

Council Tax arrears and Housing Benefit over payments are dealt with seperately.

Council Tax arrears are dealt with via the Magistrates Court via a Liability Order whereas for Housing Benefit they would have to have obtained get a County Court Judgement and applied to the court for the use of a bailiff. In either case the bailiff can seize goods but there are different rules in how they opertae and what they can take.

rainbowj63

thanks for your advice will have a hunt around

ladybez

Just a suggestion, would it be quicker to take everything you have got into the CAB, they may be able to help you sort it all out. Could you local Councillor help you regards council tax and Housing Benefit problems? Good luck in sorting it out

rainbowj63

mmm that would be a good idea but here its very busy and you have to queue for three days just to get a date for an appointment which is awkward as i do night shifts but i will give it a go.
thanks