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Originally posted by Sexy_Kelly:

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Originally posted by Sink the Pink:

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Originally posted by Sexy_Kelly:

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Originally posted by Sink the Pink:

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Originally posted by Sexy_Kelly:

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Originally posted by Sink the Pink:

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Originally posted by Sexy_Kelly:

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Originally posted by Sink the Pink:
when are the ballies coming, have they given you a time and date

Nope she put the phone down on me before i even had chance to ask.

how overdue are you

By there records 6 days. From the understanding i had -9 days

6 days overdue from a payment or 6 days overdue from a final notice

From a payment.

How much was the payment you should have made and had you already agreed to pay this amount in a certain timescale from the previous time they contacted you

I made a £250 cash payment (this was when the bailiffs came to my flat and took notes of my belonging without me knowing. They then gave me a payment plan of around £140 a month which i thought was due to start 16/07/09. She rang today because the payment was due 30/06/09. So now its make full payment or we will take your stuff. Cant make full payment

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Originally posted by tupps:
When they came and listed your stuff, did you sign the document?

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Originally posted by tupps:
When they came and listed your stuff, did you sign the document?

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Originally posted by Sexy_Kelly:
No iv got a new door. I let them in thinking it would be to collect money and i quote "a friendly chat" about future payments.

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Originally posted by Sexy_Kelly:

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Originally posted by tupps:
When they came and listed your stuff, did you sign the document?

No i didn't even know they were making a list

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Originally posted by Tiddly~Wink:

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Originally posted by tupps:

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Originally posted by Sexy_Kelly:

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Originally posted by tupps:
When they came and listed your stuff, did you sign the document?

No i didn't even know they were making a list

Ok.. this might sound like an odd question.. but could the good they have listed been seen from a window from the outside. In other words, can they prove that you let them in and gave them access to the goods in order to make the list?

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Originally posted by Sink the Pink:

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Originally posted by Sexy_Kelly:
No iv got a new door. I let them in thinking it would be to collect money and i quote "a friendly chat" about future payments.

let me be open with you here, it seems that you have let this go by and thinking all will be ok, your date for payment compared to their pamyent date are out by over 2 weeks, you must have had this in writting or letter of agreement to pay.
forget phoning them you need to go there in person and sort it out now

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Originally posted by Sexy_Kelly:

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Originally posted by tupps:

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Originally posted by Sexy_Kelly:

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Originally posted by tupps:
When they came and listed your stuff, did you sign the document?

No i didn't even know they were making a list

Ok.. this might sound like an odd question.. but could the good they have listed been seen from a window from the outside. In other words, can they prove that you let them in and gave them access to the goods in order to make the list?

All the items listed can be seen from the window. There is no way of proving they were ever in my flat.

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Originally posted by Sink the Pink:

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Originally posted by Sexy_Kelly:

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Originally posted by tupps:

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Originally posted by Sexy_Kelly:

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Originally posted by tupps:
When they came and listed your stuff, did you sign the document?

No i didn't even know they were making a list

Ok.. this might sound like an odd question.. but could the good they have listed been seen from a window from the outside. In other words, can they prove that you let them in and gave them access to the goods in order to make the list?

All the items listed can be seen from the window. There is no way of proving they were ever in my flat.

Did you let ballies into your flat or not

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Originally posted by Sexy_Kelly:
i deleted my inbox without thinking.

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Originally posted by jennywren:

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Originally posted by Sexy_Kelly:
i deleted my inbox without thinking.

How does one delete an inbox?

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Originally posted by Sexy_Kelly:
Oh well i suppose it sorts out the problem of the tv licence fine

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Originally posted by Sink the Pink:

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Originally posted by Sexy_Kelly:
Oh well i suppose it sorts out the problem of the tv licence fine

you havent one of those either then
Kelly, their date was by the sounds of it correct and confirmed in a txt message and this message must have given the date you agreed to pay by
You need to contact them again and make a fresh offer to pay and stick to it or go down there and see tham face to face and explain

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Originally posted by Sexy_Kelly:

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Originally posted by jennywren:

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Originally posted by Sexy_Kelly:
i deleted my inbox without thinking.

How does one delete an inbox?

I had over 1000 messages in my inbox so i selected all instead of having to go through them one by one. Then selected delete

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Originally posted by Sexy_Kelly:

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Originally posted by Sink the Pink:

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Originally posted by Sexy_Kelly:
Oh well i suppose it sorts out the problem of the tv licence fine

you havent one of those either then
Kelly, their date was by the sounds of it correct and confirmed in a txt message and this message must have given the date you agreed to pay by
You need to contact them again and make a fresh offer to pay and stick to it or go down there and see tham face to face and explain

Im not saying they are wrong but its an easy mistake to make. All my previous payments have been 16th of each month. I tried explaining this morning they were having none of it. I can continue making payments but until the full amount has been paid my stuff will still be taken.

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Originally posted by lisagotnoshame:
Kelly, If you made a payment in may, you have to have had made one in june in order not to default......

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Originally posted by tupps:
Ok.. without your signature and if the goods could reasonably have been listed from outside the premises then it could be difficult for the bailiff to prove they have been in your property. In order for it to be valid you have to allow them peaceful entry into the property: they can't just take an inventory from a window for example.

But they have been and so denying it leads you down a path of lying about it. That's for you to decide whether you want to do that.. I wouldn't necessarily recommend it and it doesn't solve your problem.

They still effectively have walking possession of your stuff. That means that the stuff listed has been seized by them and belongs to the bailiff and can be removed at any time. But they have allowed the stuff to stay in your home and for your use providing you keep your side of the agreement to pay.
Kelly you need to call the CAB asap and get an appointment with a debt counsellor. They will be able contact the bailiff and your creditors on your behalf. Take copies of everything to do with the debt with you and also a list of your income and outgoings.

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Originally posted by lisagotnoshame:
Kel, Is this just one debt you have of many or is it all consolidated together?
I hope its all one....as I fear you will be hounded if this is just one...

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Originally posted by Sexy_Kelly:

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Originally posted by lisagotnoshame:
Kelly, If you made a payment in may, you have to have had made one in june in order not to default......

They gave me a months free period from payment because of how the payment plan worked out?

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Originally posted by Queen of the High Teas:
I'm sure that others here will be able to better advise you on the bailliff/bankruptcy issues, but I just wanted to add that if they do take your things, you should be able to get some sort of replacements on freecycle. There are always loads of portable TV's and stuff on there. They won't be the latest models or they could have the remote missing or something, but if you're desperate, it's better than nothing hun.
http://groups.yahoo.com/group/freecycleselby/

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Originally posted by Sexy_Kelly:

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Originally posted by lisagotnoshame:
Kel, Is this just one debt you have of many or is it all consolidated together?
I hope its all one....as I fear you will be hounded if this is just one...

This is one of many

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Originally posted by Sexy_Kelly:
The bailiffs are taking my tv, speakers and sound system