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A Debt Situation

Discussion in 'TalkCeltic Pub' started by trip2themoon, Apr 27, 2019.

Discuss A Debt Situation in the TalkCeltic Pub area at TalkCeltic.net.

  1. Liam Scales Gold Member Gold Member

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    Can’t do that in Scotland mate.
     
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  2. angusceltic67

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    Maybe just try and not to be a wee * and just watch the vid, maybe you will learn something.........ffs Imagine that!
     
  3. angusceltic67

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    Jokes on you ya clown
     
  4. Mr. Slippyfist

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    Aye right ye are tinfoil napper :56::56::56:
     
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  5. McChiellini..

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    What bit mate?
     
  6. Spring Time Gold Member Gold Member

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    I’ll pass thanks.

    :rofl:
     
  7. Liam Scales Gold Member Gold Member

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    Come into your house to repossess *. It’s an English thing.
     
  8. McChiellini..

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    Honestly never knew that :50:
     
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  9. angusceltic67

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    Just keep paying your tax bills, mortgages, and any number of other * that keeps your wee world narrative alive it's morally imperative....., just don't expect everyone else to go along with it.

    Fucken idiot!
     
  10. Colin Robinson Gold Member Gold Member

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    Every * thread with the conspiracy nonsense :56:

    Christ.
     
  11. angusceltic67

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    Given there are no consequences when they screw up, they probably don't care.
     
  12. McChiellini..

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    Shut up mate, you're boring :76:
     
  13. angusceltic67

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    That's me told :giggle1:
     
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  14. belbhoy

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    Just on all this credit rating stuff there is a free site which is quite good www.clearscore.com
     
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  15. Drakhan Nac Mac Feegle Gold Member

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    "The powers of sheriff officers are limited in so much as they can only enforce an existing order from the court. Creditors are entitled to instruct sheriff officers to take action only when they have made several attempts to collect their debt.

    One of the main concerns that debtors have is that bailiffs will come into their home to seize possessions indiscriminately, and that force will be used to gain entry.

    Forced entry is allowed in certain cases during enforcement of debt procedures, but it is quite rare, and is only allowed on possession of a specific authority from the court.

    It is worth bearing in mind that you may face a ‘breach of the peace’ charge if you try to prevent bailiffs entering your home when they have a legitimate court order.

    What goods can they seize?

    If the sheriff officer has an attachment order, they are entitled to take any goods from outside your home unless they are exempt. The majority of your possessions will be exempt from seizure, as it is recognised by the courts that you will need them.

    If non-exempt items are stored in a garage, for example, and the bailiff gains entry, these goods will probably be seized and subsequently sold. Your car may be at risk, as well as any other types of vehicle stored outside, such as a motorbike or a bicycle.


    When can they enter your home?

    If they have an ‘exceptional attachment order,they can enter your home and seize non-exempt possessions from inside your house. If you are not there, someone else must be present who is over the age of 16 and understands what is happening.

    Again, you will find that many of the goods inside your home are exempt. In order for the exceptional attachment order to be valid, you must have received a Debt Advice and Information Package from your creditor, who must also have a ‘charge for payment’ for the debt(s) in question. A charge for payment is a formal demand.

    Sheriff officers are not allowed to carry out the exceptional attachment order apart from between the hours of 8am and 8pm, and not at all on a Sunday or a Bank Holiday. They don’t normally notify you when they will be calling unless they are in possession of an exceptional attachment order.

    What are your rights when faced with a bailiff visit in Scotland?

    • If the sheriff officer breaks a lock or window which subsequently needs to be replaced, the creditor might pass on the cost of replacement and repair to you.
    • At any stage, you can make arrangements to pay the sheriff officer part or all of the debt.
    • You have the right to ask for identification from the bailiff, and they are obliged to show you their ID if you request to see it. They should have a booklet carrying the Scottish court service crest, with photo ID inside.
    • You can make a formal complaint against a sheriff officer by writing to the Sheriff Principal if you feel that their behaviour has been unreasonable."
     
  16. Drakhan Nac Mac Feegle Gold Member

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    The above post is to do with Scotland
     
  17. Seán Mac D Gold Member Gold Member

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    Ridiculous.
     
  18. Drakhan Nac Mac Feegle Gold Member

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    Just posting what it said on the SDS website. Don't agree with it.
     
  19. Seán Mac D Gold Member Gold Member

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    I know mate, not having a go at you. Just mental they can crowbar their way into your gaff and charge you for the pleasure.
     
  20. carraigbhoy Gold Member Gold Member

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    Ridiculous yes, but unfortunately its true. A similar situation arises if the cops kick your doors in while investigating a crime, you will find a note slapped on the door stating that it was them, but denying all liability