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Newlyn Bailiffs: Not accepting My repayment

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  • National_Debtline
    National_Debtline Posts: 7,998 Organisation Representative
    Tenth Anniversary 1,000 Posts Combo Breaker
    Hi Annie


    Firstly I would suggest that you have no further phone conversations with Newlyn. There is no need whatsoever for you to speak with them and it just gives them further opportunities to pressurise you into paying more and more.


    Please heed the advice further above - these bailiffs can not force entry into your home. If the visit takes place at all (which is not guaranteed - it may have been an empty threat, again designed to panic you) you should ignore them if you do not feel comfortable speaking with them.


    Dennis
    @natdebtline
    We work as money advisers for National Debtline and have specific permission from MSE to post to try to help those in debt. Read more information on National Debtline in MSE's Debt Problems: What to do and where to get help guide. If you find you're struggling with debt and need further help try our online advice tool My Money Steps
  • fatbelly
    fatbelly Posts: 22,955 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Cashback Cashier
    edited 22 January 2016 at 5:12PM
    Annie65 wrote: »
    I have sent an email to my local councillor asking if he can help I also set up a standing order to make regular payments im now wondering if I should email newlyns to say that this is what ive done as they have refused any offer of payment plan

    Make sure the councillor knows that his council are employing bailiffs who are misrepresenting the law and their powers. There are plenty of other companies who their contract could be switched to.

    You could also check that the bailiff is registered here:

    http://certificatedbailiffs.justice.gov.uk/CertificatedBailiffs/

    and if his registration is coming up for renewal, write a letter to the relevant court.
  • just a quick update our local coucillor got my email and phoned my partner tonight and has promised to sort ot out for us on monday he will phone us back then fingers crossed he can help
  • Please reread posts 33,34 and 42.
    Let's be clear. They can't refuse payment and they can't break into your home. The bailiffs can't send you to prison.
    Do not talk to the bailiffs by phone as they will use this opportunity to bully and threaten you. If they call tell them to put it in writing.
    I hope the weekend is not too stressful for you.
    Df
    Making my money go further with MSE :j
    How much can I save in 2012 challenge
    75/1200 :eek:
  • sourcrates
    sourcrates Posts: 31,529 Ambassador
    Part of the Furniture 10,000 Posts I've been Money Tipped! Name Dropper
    Annie65 wrote: »
    Just had a phone call from newlyns saying as we haven't paid £1000 today they are going ahead with the enforcement feeling really scared as I'm in house all by myself while he is at work



    Bailiff's, debt collectors, DCA`s tame solicitors, all use the phone as there weapon of choice, simply because its so easy to influence someone, who is already in a panic, into paying up there and then.
    They are only interested in one thing, and one thing only, and that's getting the maximum amount of money from you, there and then.


    They arnt interested in payment plans, or taking your goods (second hand goods rarely sell for much money) they just want paying as much as possible, as quickly as possible.


    This is why you should NEVER speak on the phone to them, you should block there number, do everything in writing, you tell them your proposals for payment, then stick to it, don't ask there approval, its the only way to deal with them.


    Stick to your guns, they cant do anything to you.
    I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter
  • My local councillor got back in touch and he was as good as his word he got the council to accept our payments plan they sent us a letter all about and they would inform newlyns about arrangement , but I'm still getting treating text messages my partner spoke to them tonight and explained that the council had got in touch with them told them to accept the payment plan but the bnloke hung up on him they are just harassing us constantly its getting beyond a joke
  • fatbelly
    fatbelly Posts: 22,955 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Cashback Cashier
    Annie65 wrote: »
    My local councillor got back in touch and he was as good as his word he got the council to accept our payments plan they sent us a letter all about and they would inform newlyns about arrangement , but I'm still getting treating text messages my partner spoke to them tonight and explained that the council had got in touch with them told them to accept the payment plan but the bnloke hung up on him they are just harassing us constantly its getting beyond a joke

    Sounds like the councillor has helped to sort out the immediate problem of getting payment into the council. But he has not affected the larger problem of bailiffs who flout the rules.

    A complaint to the LGO may be appropriate.

    Lots of info here

    https://www.citizensadvice.org.uk/debt-and-money/action-your-creditor-can-take/bailiffs/
  • sourcrates
    sourcrates Posts: 31,529 Ambassador
    Part of the Furniture 10,000 Posts I've been Money Tipped! Name Dropper
    Annie65 wrote: »
    My local councillor got back in touch and he was as good as his word he got the council to accept our payments plan they sent us a letter all about and they would inform newlyns about arrangement , but I'm still getting treating text messages my partner spoke to them tonight and explained that the council had got in touch with them told them to accept the payment plan but the bnloke hung up on him they are just harassing us constantly its getting beyond a joke

    It just goes to show the firm but fair approach you see from the tv bailiffs could not be further from the reality.
    I'm sure some may be like that, but the majority will be as you describe.
    Well don't for sorting the main problem at least !!
    I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter
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