Introduction to my journey

Minkym00

You would be better off adding these as new questions.

fatbelly

You are right about the council tax. Your liability is removed by bankruptcy but if it's a joint debt then the other party has to pay.

Debts are covered by bankruptcy even if not listed, provided they are qualifying debts - and the speeding fine wouldn't be one

I am more concerned about the car.

When is the mot due?

Are the tyre already illegal? You can get a cheap tread depth gauge off the internet for peanuts if you don't already have one. Legal min is 1.6 mm, less than 2mm and you could have problems.

(Ideally replace tyres at 3mm or 6 years, whichever comes first)*

I think you need to stagger the work:
Anything currently illegal
Mot items
Service
Cam belt

*I am a tyre nerd so feel free to pick my brains

kevker23

If they can't afford a tyre guage, they can also use the 20p hack. Just place a 20p edge on into the groove, if it reaches up to the inner design then it's legal, anything below should be changed. (not sure if I've explained that well but I'm sure you'll get the gist of it when you try it)

rhcv0kte

Hi Minkm00 


Sometimes it seems like a maze finding the right place so I posted it all here.

Where would I best raise these further questions on the forum? 

rhcv0kte

Hi kevker23
I did the 20p hack and the tyres seem higher than the 'rim' of the 20p.

I guess I'm a overly cautious as routinely I've changed my tyres yearly no matter what. 

rhcv0kte

An update on the speeding fine situation.

I finally got an email response saying the court is looking to reopen the case. Hopefully this means the height of the fine can be reduced in light with my financial situation. That's my hope.


I emailed the debt collection agency as I didnt receive anything in writing about this debt that they are looking to collect. The response I received is below.  

"Dear <>,

 

Please note that we do not hold this information and therefore, we suggest you contact the client directly to obtain this. 

 

Unfortunately, we are unable to hold enforcement action unless we are advised to do so by our client or until payment arrangements have been set on the case.

 

We apologise for any inconvenience caused.

 

Yours sincerely,"


My email to them
"Dear CDER,

I hope this message finds you well. I am writing in reference to your text dated 15/11/23, reference number 18488397, a copy of which is attached.

I must express my complete lack of knowledge regarding any outstanding debt associated with the referenced matter. Given this, I kindly request that you cease all collection activity during the investigation of my dispute. Continuing such activities without resolving the dispute would be a violation of FCA rules and guidance. Furthermore, persistence in making unjustified demands for payment, despite claims of the account being in dispute, may be considered harassment.

In order to clarify this situation, I request that you provide evidence establishing my liability for the alleged debt or, alternatively, furnish me with written confirmation that this matter is now closed.

I appreciate your prompt attention to this matter and look forward to hearing from you soon. "

KeithP

@rhcv0kte, what happened next?