Meet the Other Phone. Flexible and made to last.

Meet the Other Phone.
Flexible and made to last.

Buy now

Please or to access all these features

AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

Equita / Balliffs

19 replies

mandangfo · 28/11/2022 15:51

I need some advice here.

When I met my partner he'd just had a long illness and missed some council tax payments. He was/is self employed so very little support was available.

When he got better he contacted the council/started paying again and was told that the arrears had been passed to this Equita company. He paid off most of the amount up front half of which was fees. There was a repayment plan for the rest and it was all under control.

Now this company have stopped taking the DD. They won't respond to any letters they just send threats all the time. This sum could be paid up front if needed but a payment plan was a better option overall. The money is there but they're not taking it and they won't explain why.

The stress of this situation has started to make my partner ill again. My view is to pay upfront but this company are so inept I don't know how to make them take the money and properly acknowledge the receipt of it. His view is to just send the money to the council and keep writing to this company (who don't respond).

It's not a lot of money but it's a huge amount of stress at a difficult time (bereavement). They keep threatening to come round and all sorts.

I'm not a confrontational person but I've heard a lot of bad things about this company and I think they need to be forced to be professional, no amount of letters and contact is going to do it.

Does anyone know how we should go about this or if there is any legal terminology or process that might shock either Equita or the council into actually responding?

Obviously there are other people in similar situations who wouldn't be able to pay and that's awful. We're very fortunate that we actually can. But they won't take the payments or communicate. Surely this isn't legal? Has anyone dealt with these people?

OP posts:
OnlyFoolsnMothers · 28/11/2022 15:53

Googling them it looks like you can make a payment via their website?

hairyunicorn · 28/11/2022 15:56

Equita are a**holes, good luck with getting them to do anything properly OP

Keyansier · 28/11/2022 15:57

Are you sure that he secretly didn't stop the DD himself?

lemonscent · 28/11/2022 15:58

If it were me, I would go to the council offices and not leave until they had taken my payment and given me a receipt.

mandangfo · 28/11/2022 16:03

@OnlyFoolsnMothers Thank you, that's what I think we should do, but he doesn't trust them enough after all that's happened. I'll talk to him about that more tonight.

@hairyunicorn They're awful. I need a way to force them to take this money and have shot of them.

OP posts:
Thelittleweasel · 28/11/2022 16:38

Please take advice if needed from the likes of Citizens Advice but in UK a debt is only enforceable if it has been taken to the County Court. Only then are Bailiffs appointed. All others are likely to be debt recovery agents. Only bailiffs with a Court warrant can remove goods [after a court hearing].

If you are certain that the case has not gone to court I would certainly go to the Council and make one almighty fuss!

If - for example - there was a court hearing which was not attended they will have got judgment by default. Visits to the premises adds fees unfortunately

@mandangfo

Mabelface · 28/11/2022 16:42

Get in touch with the council tax recovery team and ask them to take the debt back, which they can do. Your partner can then pay them directly once the hounds have been called off.

BabyofMine · 28/11/2022 16:58

Sounds like you are making an absolute meal of it. Just send payment on the website using your account number, it’s hardly rocket science.

Friendofdennis · 28/11/2022 17:04

If he goes through a third party such as Step Change or Christians Against Poverty they can help him to get accountability from the debt company. CAP are especially good. They are both free services

AlienSupaStar · 28/11/2022 17:08

BabyofMine · 28/11/2022 16:58

Sounds like you are making an absolute meal of it. Just send payment on the website using your account number, it’s hardly rocket science.

I really also think you should just make the payment at the website right now and just get it over with. Not sure what you are hoping to achieve by delaying? If they contact you again or visit your home they will add a shedload more money to the debt.

Just pay it. You will get a confirmation code and/or a payment receipt.

There is NO advantage to delaying if you have the means to pay available.

Princessglittery · 28/11/2022 19:07

Make sure you have copies that prove all the payments and copies of all correspondence/dates and times of phone calls.

mandangfo · 28/11/2022 20:16

Thanks for all the good advice.

OP posts:
RandomBanto · 28/11/2022 20:18

mandangfo · 28/11/2022 16:03

@OnlyFoolsnMothers Thank you, that's what I think we should do, but he doesn't trust them enough after all that's happened. I'll talk to him about that more tonight.

@hairyunicorn They're awful. I need a way to force them to take this money and have shot of them.

OP don't talk to him anymore about it, pay it for him, keep the evidence and take screenshot and tell him you've sorted It and he can relax. If hes literally getting ill because of this then personally I'd just take charge and sort It.

mandangfo · 28/11/2022 20:21

@AlienSupaStar @BabyofMine I agree really but we're partners not a married couple. It's not my account.

OP posts:
AlienSupaStar · 29/11/2022 08:52

@mandangfo

Hi ok, just make the payment to the council then. You will get an e-receipt.

If the bailiff comes (and they will) they will add like £350 to the bill. Just pay now while you have the money. If you pay at council website you get an e-receipt you can save.

Sorry for your partner's troubles but acting asap is much better. Best of luck.

Pugdogmom · 29/11/2022 09:10

If you have the money, just pay it. They'll add fees for coming to your home.
If you don't, contact a Debt Advisor in your local council/CAB etc.

mandangfo · 30/11/2022 22:48

@AlienSupaStar Thank you. I have now pushed him to take some more action but it's difficult to do that when someone is struggling. I thought like @Thelittleweasel said that in order to add fees they had to have court approval. I get the feeling they didn't take the payments because they want to add fees for coming round.

Anyway to update in case anyone else has a similar issue he contacted the council who confirmed that Equita have not taken the last two payments, not that they bounced, just that they didn't take them. He's paid them that amount on their website as suggested and asked to pay the council directly from now on. Waiting on a reply from them on that.

He doesn't want to pay Equita the amount in full as he thinks the figure is incorrect and has asked the council to confirm what has been passed to them and the details of that.

I'll be very glad when this is sorted but I don't think it's going to be straightforward.

OP posts:
mandangfo · 30/11/2022 22:50

@AlienSupaStar Sorry, knackered while reading, I'll urge him to offer the full amount tomorrow.

OP posts:
AlienSupaStar · 02/12/2022 09:17

@mandangfo really hope it works out for you with no extra costs. Sorry for your troubles.

New posts on this thread. Refresh page