Debt Relief Orders

In April 2009, Debt Relief Orders were introduced and were  designed to help those in financial difficulties with less than £15,000 of debt and less than £300 in assets. 

The problem with these D.R.O's is they include all assets….even a pension which you may not be entitled to for many years. In doing so, it automatically eliminates people from being able to apply for a D.R.O and leaves them with no alternative except to go for bankruptcy or wait for the bailiffs to eventually turn up. 

This idea which was designed to help people in real financial hardship with spiralling debts is actually no good should you have been made redundant and are not able to receive your pension for another 30 years!

The issues regarding removing pensions from the application for a D.R.O should be addressed immediately and help ease personal financial debts which are fast becoming out of control. 

Why is this idea important?

In April 2009, Debt Relief Orders were introduced and were  designed to help those in financial difficulties with less than £15,000 of debt and less than £300 in assets. 

The problem with these D.R.O's is they include all assets….even a pension which you may not be entitled to for many years. In doing so, it automatically eliminates people from being able to apply for a D.R.O and leaves them with no alternative except to go for bankruptcy or wait for the bailiffs to eventually turn up. 

This idea which was designed to help people in real financial hardship with spiralling debts is actually no good should you have been made redundant and are not able to receive your pension for another 30 years!

The issues regarding removing pensions from the application for a D.R.O should be addressed immediately and help ease personal financial debts which are fast becoming out of control. 

Curb threatening behaviour of local councils collecting rates

This Government is off to a fantastic start and in addition to the austerity measures, this project is excellent. The manifesto promises to tackle the ridiculous war against the motorist and protect other aspects of freedom are exactly the way to go and for once we are seeing some common sense – so well done – it is all hugely encouraging.

Local Council Behaviour

Over the last few years I have noticed my local council have become incredibly agressive in forcing me to pay rates in the format they want (Standing Order is not possible!) and it is very difficult to enter into any dialogue with them without being sent threatening letters, threatening court action and so on. It really has become completely disrespectful to the individual and is like talking to a debt collector/baliff. It's made worse by the intimidating behaviour and complete lack of any flexibility or common sense.

Everyone comes across little problems in life and whilst I understand they are trying to act like a business, they are also there for the people. Of course the money needs to be collected efficiently, but this has now become so extreme with so little margin for difficult or exceptional circumstances, it doesnt feel British, just totalitarian.

In my own example I was away in a foreign country for several weeks and set up my direct debit via online banking whilst abroad (it was the only way) which could only pay 3 days later than the specified monthly date……so here I am in Court and being forced to pay in full with charges…..it hardly makes me inclined to pay, and now that I've risen above the threats and intimidation, I'm perfectly minded to waste valuable judicial time as a matter of principal……and I'm sure I'm not alone in doing this. Surely, we are wasting more money by creating a litigative heaven for the solicitors, than we get back by improving credit control by 3 days…….

We are a decent country trying to do the decent thing, and this sort of thing is just not British. Being aggressive with real people in this  doesnt pay for new hospitals, it just enhances individuals bonus payments I suspect……although I rather suspect the results are not as good as we are led to believe……

Cheers

 

David

Why is this idea important?

This Government is off to a fantastic start and in addition to the austerity measures, this project is excellent. The manifesto promises to tackle the ridiculous war against the motorist and protect other aspects of freedom are exactly the way to go and for once we are seeing some common sense – so well done – it is all hugely encouraging.

Local Council Behaviour

Over the last few years I have noticed my local council have become incredibly agressive in forcing me to pay rates in the format they want (Standing Order is not possible!) and it is very difficult to enter into any dialogue with them without being sent threatening letters, threatening court action and so on. It really has become completely disrespectful to the individual and is like talking to a debt collector/baliff. It's made worse by the intimidating behaviour and complete lack of any flexibility or common sense.

Everyone comes across little problems in life and whilst I understand they are trying to act like a business, they are also there for the people. Of course the money needs to be collected efficiently, but this has now become so extreme with so little margin for difficult or exceptional circumstances, it doesnt feel British, just totalitarian.

In my own example I was away in a foreign country for several weeks and set up my direct debit via online banking whilst abroad (it was the only way) which could only pay 3 days later than the specified monthly date……so here I am in Court and being forced to pay in full with charges…..it hardly makes me inclined to pay, and now that I've risen above the threats and intimidation, I'm perfectly minded to waste valuable judicial time as a matter of principal……and I'm sure I'm not alone in doing this. Surely, we are wasting more money by creating a litigative heaven for the solicitors, than we get back by improving credit control by 3 days…….

We are a decent country trying to do the decent thing, and this sort of thing is just not British. Being aggressive with real people in this  doesnt pay for new hospitals, it just enhances individuals bonus payments I suspect……although I rather suspect the results are not as good as we are led to believe……

Cheers

 

David

Repeal of forcible entry and force against persons by bailiffs

End bailiffs powers to break in and use force against debtors and fine defaulters. 

We are seeking a return to the peaceful enforcement of fines by bailiffs who have been able to break to people's homes since March 2006 when the Domestic Violence Crime and Victims Act 2004 came into force. Very dangerous powers also exist in the Tribunals Courts and Enforcement Act 2007 which allow bailiffs to break in to enforce all civil debts and to use force against the debtor or fine defaulter but they are not yet in force. These perverse laws should be removed in a Great Repeal Bill.  

Why is this idea important?

End bailiffs powers to break in and use force against debtors and fine defaulters. 

We are seeking a return to the peaceful enforcement of fines by bailiffs who have been able to break to people's homes since March 2006 when the Domestic Violence Crime and Victims Act 2004 came into force. Very dangerous powers also exist in the Tribunals Courts and Enforcement Act 2007 which allow bailiffs to break in to enforce all civil debts and to use force against the debtor or fine defaulter but they are not yet in force. These perverse laws should be removed in a Great Repeal Bill.