Policy and Procedures for the Recovery of Council tax and Business Rates

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "Policy and Procedures for the Recovery of Council tax and Business Rates"

Transcription

1 Scope and Purpose of this Policy Policy and Procedures for the Recovery of Council tax and Business Rates 1 The purpose is to establish a policy to ensure consistency, equality and probity in the collection of council tax and business rates in line with the regulations detailed below and with recognised best practice: Local Government Finance Act 1992; Council Tax (Administration and Enforcement) Regulations 1992, as amended; Non Domestic Rating (Collection and Enforcement) (Local Lists) Regulations 1989, as amended Magistrates Court Act 1980, as amended The Tribunals, Courts and Enforcement Act 2007 The Taking Control of Goods Regulations 2013 The Taking Control of Goods Regulations (Fees) This policy applies to council tax and NNDR (business rates) debtors which in this context is any body (whether an individual or organisation) who is liable for a statutory debt, and has not yet paid the full amount owed. 1.2 This policy does not cover sundry debts such as Commercial debts covering invoices raised for rents, insurance, service charges, way-leaves, licences, clinical and trade waste collection Domestic debts covering invoices raised for insurance, building regulations, cesspool clearance, special collections, sundry environmental health charges Housing benefit overpayments including fraud cases Fees and recharges such as building regulations, abandoned vehicle fees, rechargeable repairs and works undertaken in default. Personal debts covering invoices for community care services, sports and leisure bookings, salary overpayments and the recovery of training expenses. Former tenant rent arrears arising prior to large scale voluntary transfer of housing stock and rent deposit loans raised under the private rented assistance scheme. Penalty notices raised for parking and other environmental offences Housing benefit overpayments which are being deducted from ongoing benefit Some miscellaneous services, which are charged in advance such as pest control, refuse sack sales. Overview 2.0 The Council has both a statutory and fiduciary duty to ensure that all money owed is promptly collected whenever possible. However, the Council has to balance the level of enforcement undertaken to collect the debt against the value of the original debt and Created on 21/08/ :40:00 Page 1 of 10 R:\Revenues and Exchequer\Revenues Recovery Policy Document updated Aug 2014.doc

2 the circumstances of the debtor to ensure that all actions taken are reasonable, lawful, appropriate and economic. 2.1 Where collection of the debt is impossible, impractical or uneconomic, debts should be written off with the minimum delay, in line with established accountancy practice, and the Council s financial regulations. 2.2 In practice the feasibility of collecting a debt is influenced by many factors including; the amount of the debt, the type of debt, the whereabouts of the debtor, the assets held or employment status of the debtor, the age of the debt and the debtor s circumstances. In view of this wide range of factors this policy can only seek to establish an outline of the process to be followed in collecting each type of debt. In reaching a decision on the appropriate action in each individual case the authorised officers must also exercise their professional judgment. 2.3 The actions and time scales to be followed are laid down in the regulations. Requirements 3.0 To comply with this policy, the administrative teams concerned shall in all cases: a) Raise bills which are clear and correctly addressed using the debtor s legal title. b) Only raise bills as specified within the legislation and bear scrutiny. c) Attend to all debts raised in a timely manner. d) Respond to each debtor promptly using an equivalent method of communication, i.e. telephone, , face to face or in writing. e) Treat all debtors equally, without bias. f) Respond to debtors following the Council s customer care guidelines. g) Listen to the debtor and ensure that all queries raised are addressed promptly. h) Ensure a record is maintained of all communications with each debtor. i) Take care to ensure that correspondence is correctly addressed and actions are clearly explained without the use of jargon. j) Ensure that debtors with disabilities or language barriers are catered for appropriately. k) Take action to locate debtors who have absconded. l) Apply receipts promptly and in accordance with the debtor s instruction. m) Investigate receipts that are unallocated and held on a suspense account. n) Ensure each action taken is appropriately authorised, recorded and that supporting evidence and all documentation is maintained. o) Adhere to the Council s financial regulations when passing debts for write off. 3.1 The Head of Revenues and Exchequer is responsible for ensuring the above administrative requirements are fulfilled at all times. Procedures and Limits 2 of 10

3 4.0 The recovery process for council tax and business rates is laid out in the two flowcharts below. The first reflects the stages undertaken by the Registration, Billing and Collection Team; from bill to a summons in the Magistrates Court. The second shows the options available to the Recovery Team when dealing with post summons debt. 4.1 Council tax and business rates are billed annually on 1 st April each year and customers have the right to pay over 10 or 12 monthly instalments. They may also opt to pay annually, half yearly or quarterly. If a customer moves into a property during a billing year then they are billed from the start date and the instalments are adjusted accordingly. Billing to Summons Bills are served on all liable parties in a timely manner with details of instalments. Payment received to the agreed instalment schedule. No further action. First reminder letters are issued to all parties where an instalment is not paid by the due date. Payment(s) received and instalments brought up to date. No further action. Where a customer defaults for a second time during a tax year a second reminder will be issued. No more than 2 reminders are issued in one tax year. Payment(s) received and instalments brought up to date. No further action. Final Notice is issued withdrawing the debtor s right to pay in instalments and demanding the balance of tax due for the year. Payment received for the balance of tax due for the year. No further action. A summons is issued for the debtor to attend the next hearing in the Magistrates Court. Court fees are added to the account. TRACING If any of the above correspondence is returned a trace is carried out. 3 of 10

4 Post Summons A summons is issued 14 days before the court hearing (plus 4 days to allow for postage). Payment received for the full summonsed amount prior to the court date. No further action. At the Magistrates Court Hearing the Council apply for a Liability Order. Court fees are added to the account. The customer attends court and makes an arrangement with the Council s officers. Payment arrangement confirmed and monitored.. A Liability Order is awarded to the Council Debtor defaults on arrangement A Request for Information is sent as set out in Regulation 36. The debtor is advised that a Liability Order has been granted and they are required to supply details of their employment, earnings, usual payroll deductions and any other sources of income. This request must be made in writing and gives the debtor 14 days to respond. Failure to supply the information requested without a reasonable excuse is a criminal offence. Details of the three stages of collection taken by enforcement agent and the associated fees are included. The Council has the following options and can use multiple options at different times for the same debt:- Passed to an external certificated bailiff If the above letter is not returned or is incomplete the case will be passed to an enforcement agent for collection. The enforcement agent company will charge fees to the debtor. Nula Bona Certificate A nula bona certificate is issued where the enforcement agent has been unable to find goods of sufficient value belonging to the debtor. Committal Proceedings Attachment of Earnings If the debtor is employed an attachment of earnings will sent to the employers. The level of salary deductions are a set percentage of earnings as shown via the link, R:\Exchequer\AOE booklet Aug 2007.doc. If an employer fails to comply they can be prosecuted and fined. External Recovery Officer Attachment of Benefit If the debtor is in receipt of Job seekers Allowance, Income Support or Employment Support Allowance a prescribed amount can be deducted. The Council apply to the appropriate DWP office and payment is received directly. A Council officer calls on debtors who have not responded to correspondence. Any previously unknown issues can be raised and resolved, debtors can be located and arrangements made to pay. Bankruptcy Charge on property Only appropriate if the debtor owns a property. A Land Registry search would be undertaken to establish legal title. The Legal section would make an application via the County Court The Council can apply for either bankruptcy, insolvency or a winding-up order. External specialists would be employed for this option. 4 of 10

5 At all times, in the above processes, the following information should be considered: The size of the debt The age of the debt The location of the debtor The amount spent on collections compared with the value of the debt The debtor s circumstances and ability to pay 4.2 The table below details the period between actions which allows the debtor sufficient time to respond to the previous request. Action Time from previous action Bill First reminder Second reminder Final Notice Summons Liability Order Request for Information Produced annually 14 days prior to due date of 1 st April or when the liability changes for a property or hereditament. Reminders are produced weekly each Tuesday for all accounts which have fallen due in the preceding week. To be send if an account which has been brought up to date once falls into arrears the second time within the same tax year. The second reminder is issued on the same basis as the first. This is produced 14 days after a reminder has been issued where the instalments have not been brought up to date. This notifies the debtor that they have lost the right to pay by instalments and of the full balance due. This is issued 7 days from the Final Notice. The debtor is notified of the amount due, the addition of 40 in court fees and given 18 days notice of the date of the hearing in the Magistrates Court this is the statutory 14 days notice and 4 day allowance for postage. The Council apply for a Liability Order at the Magistrates Court hearing. The liability order will be granted if the Council have produced the bills and required reminders in accordance with the legislation. Following the Court hearing the Council write to the debtors advising them that a liability order has been granted and that further costs of 40 have been added to the debt. A form is included requesting information as required under Regulation 36 together with details of the three stages of collection taken by enforcement agent and the associated fees. On receipt of a response to the Request for Information or after 14 days the Recovery section select the most appropriate enforcement action as detailed above. Pass for trace The case details will be logged with the on-line trace system if previous paperwork is returned or there is other evidence that the debtor is not at the billing or correspondence addresses. 5 of 10

6 4.3 The following table sets out the level of debt below which it is considered uneconomic or inappropriate to carry out the specified action. The levels suggested are measured in terms of balance i.e. value of debt versus strength of recovery action and value of debt versus cost of recovery action. These levels will be reviewed annually or if the cost of taking action (i.e. administration costs or court fees) changes. Action Lowest value of debt External cost of action Notes Issue of automated reminder letters Referral of debt to the external recovery officer within the borough Referral of debt to the external recovery officer outside the borough* Minimum instalment agreed under an arrangement to pay (per week)** See below Referral of cases for trace cost per successful search Issuing of a Summons in North and East Hertfordshire Magistrates Court claim and to apply for a Liability Order. Post Liability Order enforcement options: Court fee paid ( 40 recovered from the customer) Referral of debt to an enforcement agent Compliance stage Enforcement stage*** Sale and Disposal *** Enforcement Agent s fees are collected from the debtor Attachment of earnings Attachment to benefits Charge on property via the County Court 1, Force sale of a property under a charge 5, Court fee stated plus solicitor s fees Plus additional solicitor s fees Committal proceedings 1, Court fee * The external recovery officer will only make visits within the borough or in neighbouring boroughs due to travelling time. The officers safety is paramount and some areas are considered unsuitable for a lone officer to attend. ** This sum is based on the benefit regulations which in certain circumstance allow for a deduction of 3.65 per week to be made *** The fees are increased by 7.5% of the sum to be collected for amounts over 1,500 6 of 10

7 Arrangements 5.0 Where a debtor makes contact at any point in the recovery process the Council will consider making an arrangement to pay where it would be unreasonable to expect full settlement due to the debtor s circumstances. Regular instalments will be accepted weekly or monthly with payment by direct debit being the preferred method. The aim is to collect all tax debts within the year the liability falls. All arrangements will be confirmed in writing and monitored. Where a debtor defaults on an arrangement the Recovery team will move the debt forward without further reference to the debtor. Approved reasons for write off of debts (See Appendix A) 6.0 The following are recognised as valid reasons for the write off of debts. a) The debtor is deceased and has left no estate or traceable executors. b) The debtor is formally insolvent. c) The debtor has absconded and cannot be traced. d) The amount is below the limits set out above for enforcement and action to date has proved unsuccessful. e) The debtor is living outside the UK and is unlikely to return. f) The debtor is living in Scotland or Northern Ireland and it is uneconomic to transfer proceedings to the appropriate court. g) The debtor is serving a prison sentence of sufficient length to make recovery unlikely. h) The debtor is sectioned under the mental health act or undergoing a drugs rehabilitation programme of sufficient length to make recovery unlikely. i) It is in the Council s interest to agree a negotiated settlement for part of the debt, the balance therefore is deemed uncollectible. j) The Court has not made an order in the Council s favour at a hearing. k) If having review the debtor s financial investigation form it is considered that to enforce payment would cause the debtor extreme hardship, financial or otherwise, or it is in the interests of the Council or the wider community to write off the debt. l) The age of the debt precludes recovery, or the debt is Statute Barred. 6.1 Debts will be written back and recovery action will recommence if the debtor s is traced or their circumstances change sufficiently to make this action reasonable. 6.2 A distinction must be drawn between court fees, solicitor s costs and statutory interest which are withdrawn because they were charged incorrectly and court fees, solicitor s costs and statutory interest which are written off because they are considered to be irrecoverable under the guidance of this policy. Where the costs are incorrectly applied then these will be withdrawn outside the area covered by this policy. Where costs are considered as irrecoverable they shall be treated in the same manner as the original debts for the purpose of this policy. 7 of 10

8 Approved reason for writing on credit balances 7.0 The credit has remained unclaimed for a period of six months and the customer cannot be located. Involvement of Advice Agencies and other Stakeholders 8.0 The Council recognises the valuable role of local advice agencies in providing assisting to local residents experiencing difficulty in managing debt. The Council have therefore consulted the local Citizens Advice Bureau and Hertfordshire County Council s Money Management Unit on the content of the policy. 8 of 10

9 Appendix A Guidelines to categories of write offs listed in Section 6 of this policy a) The debtor is deceased and has left no estate or traceable executors Where the executor or next of kin has shown to the Council s satisfaction that the deceased has left no estate with which to discharge the debt, the amount is put for write off. Where the estate is sufficient to pay only part of the debt the balance is proposed for write off. Where no executors can be traced any credit due is allocated to any other outstanding debt the debtor has or written on if there are none. b) The debtor is formally insolvent Where the debtor has entered into formal insolvency the full balance of the debt shall be written off. However, in all cases a claim is submitted in the insolvency and where a dividend is paid the appropriate amount is written back onto the debtor s account. Formal insolvency is defined as being subject to: Compulsory, creditors voluntary, or members voluntary, liquidation Bankruptcy An individual, corporate or partnership voluntary arrangement Administrative receivership Administration by the High Court Granting of an administration or composition order by the High Court or County Court An insolvent partnership order Note; the debts are only written off where all liable persons, companies, partnerships or partners are formally insolvent. c) The debtor has absconded and cannot be traced All reasonable steps, appropriate to the amount of the debt or credit, are taken to establish the debtor s whereabouts before the debt / credit is written off. d) It is uneconomical to take action to enforce payment Debts are written off where it can clearly be demonstrated that: i) The cost of enforcing payment will exceed the amount expected to be collected ii) The likelihood of enforcement action being successful is low and there is a clear risk that the costs incurred in enforcement action will not be recovered. 9 of 10

10 The policy states the appropriate level of debt for enforcement action. e) The debtor is living outside the UK and is unlikely to return Where it can be demonstrated that the debtor is living outside the UK and is unlikely to return, the debt would be proposed for write off. If it is known that the debtor has identifiable assets in the UK i.e. property, then legal action would be taken to secure these assets where this is feasible. In the case of credits that have been unclaimed for more than six months, reasonable measures will be taken to establish the whereabouts of the debtor whether at home or abroad. f) The debtor is serving a prison sentence of sufficient length to make recovery unlikely. The length of a prison sentence is not always known and the debtor does not always return to this area on release. It is often difficult for ex-prisoners to secure work and therefore recovery of previous debts is unlikely. Each case needs to be viewed separately but an assessment would be made given the detail available. g) The debtor is sectioned under the mental health act or undergoing a drugs rehabilitation programme of sufficient length to make recovery unlikely. Similarly to (h) the periods of treatment are not always known. Disruption is caused to the debtor s life, their ability to maintain accommodation, gain employment and so settle their debts. Each case needs to be viewed separately but an assessment should be made given the detail available. h) The credit has remained unclaimed for a period of 6 months and the customer cannot be located Where efforts have been made to trace the customer but have been unsuccessful and a period of six months has elapsed since the credit arose. 10 of 10

If instalments are not paid as they are due a reminder will be sent requiring payments to be brought up to date within 7 days.

If instalments are not paid as they are due a reminder will be sent requiring payments to be brought up to date within 7 days. APPENDIX 1 DEBT RECOVERY POLICY This debt recovery policy of South Lakeland District Council aims to maximise income from all revenue generating sources whilst incorporating a sympathetic approach to the

More information

www.nelincs.gov.uk North East Lincolnshire Council - Corporate Debt Recovery Strategy

www.nelincs.gov.uk North East Lincolnshire Council - Corporate Debt Recovery Strategy Executive Director Business Services Rob Walsh B.A. (Hons) Solicitor www.nelincs.gov.uk North East Lincolnshire Council - Corporate Debt Recovery Strategy Background. As part of Transactional Services

More information

North East Lincolnshire Council. Debt Management Strategy

North East Lincolnshire Council. Debt Management Strategy North East Lincolnshire Council Debt Management Strategy Section Title Page No 1. Introduction 2. General Principles 3. Principles common to all debts 4. Principles of Enforcement 5. Strategy specific

More information

CORPORATE DEBT RECOVERY CODE POLICY STATEMENT

CORPORATE DEBT RECOVERY CODE POLICY STATEMENT CORPORATE DEBT RECOVERY CODE POLICY STATEMENT January 2016 1 P age Contents Page Page 1. DEBT RECOVERY 1.1. Introduction 3 1.2. Aims of the Policy 3 1.3. Scope of the Policy 4 1.4. Statutory Basis for

More information

Shepway District Council Income and Debt Management Policy

Shepway District Council Income and Debt Management Policy Shepway District Council Income and Debt Management Policy Appendix 1 Introduction The council has a duty to ensure that all revenue due to the council is collected efficiently and effectively for the

More information

Revenue and Benefit Service

Revenue and Benefit Service Revenue and Benefit Service Draft Write Off Policy ~ 1 ~ WRITE OFF POLICY Introduction This document sets out the procedure to be followed when writing off irrecoverable amounts (including credit balances)

More information

REVENUES DEBT RECOVERY POLICY

REVENUES DEBT RECOVERY POLICY REVENUES DEBT RECOVERY POLICY 1.0 Introduction 1.1 Wyre Forest District Council is responsible for the collection of council tax and national non-domestic rates (NNDR) on behalf of Worcestershire County

More information

Council Tax Service Revenues and Benefits Unit Debt Recovery Policy 2015/16

Council Tax Service Revenues and Benefits Unit Debt Recovery Policy 2015/16 Council Tax Service Revenues and Benefits Unit Debt Recovery Policy 2015/16 Version 1.8 April 2015 1 Contents Page No. 1. Recovery process up to the liability order stage 1 2. Hardship 4 3. Recovery process

More information

DEBT RECOVERY POLICY

DEBT RECOVERY POLICY DEBT RECOVERY POLICY OBJECTIVE 1.1 The objective of the Debt Recovery Policy is: To ensure that money owed to the Comhairle is collected as soon as possible using efficient, effective and fair debt recovery

More information

Council Tax Collection and Recovery Policy

Council Tax Collection and Recovery Policy Revenue Services Council Tax Collection and Recovery Policy Contents 1) Recovery Process up to Liability Order Stage 2) Recovery Process after Liability Order granted 2.1 request for financial information

More information

CORPORATE DEBT MANAGEMENT STRATEGY

CORPORATE DEBT MANAGEMENT STRATEGY CORPORATE DEBT MANAGEMENT STRATEGY 1. Purpose of Strategy Stoke on Trent City Council is required to collect monies from both residents and businesses for the provision of a variety of goods and services.

More information

NATIONAL NON DOMESTIC RATES BILLING, COLLECTION AND ENFORCEMENT POLICY

NATIONAL NON DOMESTIC RATES BILLING, COLLECTION AND ENFORCEMENT POLICY NATIONAL NON DOMESTIC RATES BILLING, COLLECTION AND ENFORCEMENT POLICY AIMS OF THE POLICY 1 To advise customers of their National Non Domestic Rates liability as soon as possible 2 To help customers receive

More information

Revenues' Recovery Policy

Revenues' Recovery Policy Revenues' Recovery Policy Introduction This document sets out Birmingham City Council s policy in relation to the recovery of unpaid council tax. The powers for the recovery are contained within the Council

More information

Agenda Page 7 Agenda Item 10. Debt Management Policy

Agenda Page 7 Agenda Item 10. Debt Management Policy Agenda Page 7 Agenda Item 10 Debt Management Policy Agenda Page 8 Agenda Item 10 DEBT MANAGEMENT POLICY 1. INTRODUCTION The council has a responsibility to collect the income due to it. This helps the

More information

Rochdale MBC Corporate Debt Management Policy. Contents Page. Page

Rochdale MBC Corporate Debt Management Policy. Contents Page. Page Rochdale MBC Corporate Debt Management Policy Contents Page Page 1. Background and Objectives 1.1 What is a Corporate Debt Management Policy 1 1.2 Introduction 1 1.3 Objectives of the Policy 1 1.4 What

More information

Nottingham City Council. Council Tax Recovery COLLECTION STRATEGY

Nottingham City Council. Council Tax Recovery COLLECTION STRATEGY Nottingham City Council Council Tax Recovery COLLECTION STRATEGY Purpose The purpose of this strategy is to provide the framework for Revenues & Benefits Service to provide efficient and effective collection

More information

Local Taxation Debt Recovery Policy

Local Taxation Debt Recovery Policy Local Taxation Debt Recovery Policy 1.0 Introduction Runnymede Borough Council has a statutory duty to bill and collect Council Tax and Non- Domestic Rates (commonly known as Business Rates). Whilst the

More information

Sundry Debt Management and Recovery Policy

Sundry Debt Management and Recovery Policy 1. Introduction Sundry Debt Management and Recovery Policy 1.1 Forest Heath and St Edmundsbury Councils (referred to in this document as West Suffolk or the councils ) provide a wide range of services

More information

Debt Management Strategy Cabinet Member for Resources and Performance

Debt Management Strategy Cabinet Member for Resources and Performance AGENDA ITEM: 10 Pages nos. 197-213 Meeting Cabinet Resources Committee Date 16 January 2012 Subject Report of Summary Officer Contributors Status (public or exempt) Wards affected Enclosures For decision

More information

APPENDIX 13 Corporate Debt Recovery Policy

APPENDIX 13 Corporate Debt Recovery Policy Corporate Debt Policy July 2014 Page 1 APPENDIX 13 Corporate Debt Recovery Policy Corporate Debt Policy July 2014 Page 2 Table of Contents Contents 1. Introduction and purpose 4 2. Policy Objectives 4

More information

Debt Management Policy. East Lindsey District Council

Debt Management Policy. East Lindsey District Council Debt Management Policy East Lindsey District Council 1 Debt Management Policy 1. Introduction 2. Legislation 3. Policy Aims 4. Policy Objectives 5. Communication 6. Recovery of Money Due 7. Our Approach

More information

South Lanarkshire Council Debt Recovery Policy

South Lanarkshire Council Debt Recovery Policy South Lanarkshire Council Debt Recovery Policy If you need this information in another language or format, please contact us to see how we can best meet your needs. Phone 0303 123 1015 or email equalities@southlanarkshire.gov.uk

More information

Help us to help you Contact us and work in partnership with your local Council

Help us to help you Contact us and work in partnership with your local Council February 2016 Version 6 Torridge District Council A Fair Collection and Recovery of Debt Policy Help us to help you Contact us and work in partnership with your local Council Torridge District Council

More information

Housing Benefit Overpayments Policy. December 2013

Housing Benefit Overpayments Policy. December 2013 Housing Benefit Overpayments Policy December 2013 1. Aims of the Policy 1.1. The aims of this policy are: 1.1.1. to ensure we minimise overpayments and reduce them as much as is possible when raised 1.1.2.

More information

South Kesteven District Council Corporate Debt Management Policy

South Kesteven District Council Corporate Debt Management Policy South Kesteven District Council Corporate Debt Management Policy 1 South Kesteven District Council Corporate Debt Management Policy 1. Introduction 2. Policy Aims 3. Policies Common to all Types of Debt

More information

Council Tax and Benefits Service. Debt Recovery Processes Council Tax and Housing Benefit Overpayments

Council Tax and Benefits Service. Debt Recovery Processes Council Tax and Housing Benefit Overpayments Council Tax and Benefits Service Debt Recovery Processes Council Tax and Housing Benefit Overpayments Version Control Version Revised by Date Description 1 Andi Frangeskou May 2015 Original issue 2 3 1.

More information

COUNCIL TAX, NON DOMESTIC RATES (BUSINESS RATES) AND BENEFITS OVERPAYMENTS RECOVERY POLICY

COUNCIL TAX, NON DOMESTIC RATES (BUSINESS RATES) AND BENEFITS OVERPAYMENTS RECOVERY POLICY APPENDIX F COUNCIL TAX, NON DOMESTIC RATES (BUSINESS RATES) AND BENEFITS OVERPAYMENTS RECOVERY POLICY INDEX 1.0 Policy aims 2.0 The Revenues Service Customer Commitment 3.0 Payment arrangements 4.0 The

More information

SLOUGH BOROUGH COUNCIL

SLOUGH BOROUGH COUNCIL SLOUGH BOROUGH COUNCIL REPORT TO: Overview and Scrutiny Committee DATE: 13th February 2012 CONTACT OFFICER: Emma Foy, Interim Head of Central Finance (For all enquiries) (01753) 875358 Roger Parkin, Director

More information

COUNCIL TAX AND BUSINESS RATES RECOVERY PROCEDURE

COUNCIL TAX AND BUSINESS RATES RECOVERY PROCEDURE COUNCIL TAX AND BUSINESS RATES RECOVERY PROCEDURE SECTIONS 1. The Council s Aims 2. The Revenues Service 3. The Legal Framework 4. Demand Notice 5. Joint & Several Liability 6. Instalments 7. Methods of

More information

TAUNTON DEANE BOROUGH COUNCIL. Corporate Debt Management Policy & Procedure Document

TAUNTON DEANE BOROUGH COUNCIL. Corporate Debt Management Policy & Procedure Document TAUNTON DEANE BOROUGH COUNCIL Corporate Debt Management Policy & Procedure Document T A U N T O N D E A N E B O R O U G H C O U N C I L Table of Contents 1. POLICIES COMMON TO ALL DEBT TYPES... 1 Introduction...

More information

A Guide to Business Rates. February 2011

A Guide to Business Rates. February 2011 A Guide to Business Rates February 2011 REVISION HISTORY Issue Description Date Author(s) 1.0 Initial Guidance Feb 2011 Rod Urquhart ARP Business Rates Guidance Page 2 of 11 What are Business Rates National

More information

Business Rates Service Revenues and Benefits Unit Debt Recovery Policy 2015/16

Business Rates Service Revenues and Benefits Unit Debt Recovery Policy 2015/16 Business Rates Service Revenues and Benefits Unit Debt Recovery Policy 2015/16 Version 1.1 June 2015 1 1. Introduction 1.1 This policy document explains the Council s policy in respect of the recovery

More information

Norwich City Council Debt Collection Policy. Version 1.2 25 June 2014

Norwich City Council Debt Collection Policy. Version 1.2 25 June 2014 Norwich City Council Debt Collection Policy Version 1.2 25 June 2014 Norwich City Council debt collection policy Introduction Norwich City Council is required to collect monies from both individuals and

More information

London Borough of Sutton. Corporate Debt Recovery Policy

London Borough of Sutton. Corporate Debt Recovery Policy London Borough of Sutton Corporate Debt Recovery Policy Corporate Debt Recovery Policy Reviewed August 2011 Contents Objective... 3 Framework... 3 Purpose... 3 Roles and Responsibilities... 3 Raising Invoices...

More information

Debt Recovery Policy. Draft Copy

Debt Recovery Policy. Draft Copy Debt Recovery Policy Draft Copy Table of Contents 1. Introduction...1 2. Policy Aims...2 3. How These Link to Our Corporate Aims...3 4. Policies Common to All Types of Debt...4 5. Principles of Enforcement

More information

CORPORATE DEBT RECOVERY POLICY

CORPORATE DEBT RECOVERY POLICY CORPORATE DEBT RECOVERY POLICY Charnwood Borough Council February 2005 CONTENTS Page No 1. INTRODUCTION 3 2. POLICY AIMS 4 3. KEY PRINCIPLES 5 4. HOW THESE LINK TO THE COUNCIL S CORPORATE PRIORITIES 7

More information

ROSSENDALE BOROUGH COUNCIL SUNDRY DEBT MANAGEMENT - POLICY STATEMENT

ROSSENDALE BOROUGH COUNCIL SUNDRY DEBT MANAGEMENT - POLICY STATEMENT ROSSENDALE BOROUGH COUNCIL SUNDRY DEBT MANAGEMENT - POLICY STATEMENT 1. Introduction 1.1. The principal objective for any debt recovery policy must be the maximum conversion of outstanding debt into cash

More information

Section 1. INTRODUCTION Page 1. Section 2. ISSUING ACCOUNTS Page 2. Section 3. INTERNAL DEBT Page 5. Section 4. FOLLOW UP PROCEDURE Page 7

Section 1. INTRODUCTION Page 1. Section 2. ISSUING ACCOUNTS Page 2. Section 3. INTERNAL DEBT Page 5. Section 4. FOLLOW UP PROCEDURE Page 7 THE MORAY COUNCIL SUNDRY DEBT MANAGEMENT POLICY CONTENTS Section 1. INTRODUCTION Page 1 Section 2. ISSUING ACCOUNTS Page 2 Section 3. INTERNAL DEBT Page 5 Section 4. FOLLOW UP PROCEDURE Page 7 Section

More information

Council Tax Debt Recovery Policy

Council Tax Debt Recovery Policy Council Tax Debt Recovery Policy Contents 1. Legal Framework 2. Demand Notice 3. Joint & Several Liability 4. Instalments 5. Methods of Payment 6. Reminder/Final Notices 7. Summons 8. Liability Order/Request

More information

Fair Debt. Policy. Why Have A Fair Debt Policy?

Fair Debt. Policy. Why Have A Fair Debt Policy? Fair Debt Policy A policy to assist customers who owe money to the council. Why Have A Fair Debt Policy? Wyre Borough Council is required to collect monies from both its residents (Council Tax) and businesses

More information

Council Tax APPENDIX 1

Council Tax APPENDIX 1 Council Tax APPENDIX 1 Version & Policy Number Version 1 Guardian Date Produced 30.07.2012 Next Review Date 30.07.2013 Approved by Scrutiny Approved by Cabinet Approved by Full Council Andrea Grinney,

More information

CORPORATE DEBT POLICY All Wards Portfolio Holder for Support Services: Councillor N A Knapton

CORPORATE DEBT POLICY All Wards Portfolio Holder for Support Services: Councillor N A Knapton HAMBLETON DISTRICT COUNCIL Report To: Subject: Cabinet 12 January 2016 CORPORATE DEBT POLICY All Wards Portfolio Holder for Support Services: Councillor N A Knapton 1.0 PURPOSE AND BACKGROUND: 1.1 The

More information

COLLECTION AND RECOVERY POLICY

COLLECTION AND RECOVERY POLICY COLLECTION AND RECOVERY POLICY 2 Contents INTRODUCTION... 3 LINKS TO THE COUNCIL'S CORPORATE OBJECTIVES... 3 POLICY AIMS... 3 DEBTS COVERED BY THIS POLICY... 4 THE LEGAL FRAMEWORK FOR RECOVERY... 4 Local

More information

DRAFT NORTHAMPTON BOROUGH COUNCIL CORPORATE DEBT POLICY

DRAFT NORTHAMPTON BOROUGH COUNCIL CORPORATE DEBT POLICY DRAFT NORTHAMPTON BOROUGH COUNCIL CORPORATE DEBT POLICY Revised Draft 6 th May 2010 DRAFT Corporate Debt policy May 2010 v0.6.doc 1 1 INTRODUCTION 1.1 The Council levies charges and rent for a variety

More information

Fair Debt Collection Policy. Promoting rights, responsibilities, fairness, consistency and proportionality

Fair Debt Collection Policy. Promoting rights, responsibilities, fairness, consistency and proportionality Fair Debt Collection Policy Promoting rights, responsibilities, fairness, consistency and proportionality Table of Contents Contents 1. Introduction 4 2. Overview 4 2.1 Policy Intention 4 2.2 Scope of

More information

Cheshire West & Chester Council

Cheshire West & Chester Council Cheshire West & Chester Council Debt recovery code of practice 1.0 Introduction 1.1 This code of practice underpins Cheshire West and Chester Council s corporate debt policy and sets out the approach adopted

More information

SUNDRY DEBT RECOVERY FINANCIAL PROCEDURE 15. OWNER: Head of Financial Control

SUNDRY DEBT RECOVERY FINANCIAL PROCEDURE 15. OWNER: Head of Financial Control SUNDRY DEBT RECOVERY FINANCIAL PROCEDURE 15 OWNER: Head of Financial Control Version 4.0 March 2012 CODE OF PRACTICE SUNDRY DEBT RECOVERY CONTENTS Part Page Extract from Financial Regulations 3 Code of

More information

INSOLVENCY (BANKRUPTCY & LIQUIDATION) AND CHARGING ORDER POLICY

INSOLVENCY (BANKRUPTCY & LIQUIDATION) AND CHARGING ORDER POLICY EK SERVICES POLICIES AND PROCEDURES INSOLVENCY (BANKRUPTCY & LIQUIDATION) AND CHARGING ORDER POLICY EK Services Insolvency & Charging Order Policy 1 Contents 1. Introduction and purpose of policy document

More information

Debt Management Policy

Debt Management Policy Debt Management Policy Table of Contents page 1. Purpose 3 2. Objective 3 3. Debts to which this policy applies 3 4. Roles and Responsibilities 4 5. General Principles 4 6. Delivering the Policy 5 7. Raising

More information

Corporate Debt Management and Recovery Policy

Corporate Debt Management and Recovery Policy Corporate Debt Management and Recovery Policy CONTENTS Page Introduction 3 Policy Aims 4 How these link to the Council s Corporate Priorities Debts Covered by this Policy 5 The Legal and Policy Framework

More information

Recovery Team, Revenues. Council Tax Debt Recovery Procedure 2014

Recovery Team, Revenues. Council Tax Debt Recovery Procedure 2014 Recovery Team, Revenues Council Tax Debt Recovery Procedure 2014 Table of Contents 1 Purpose 2 General matters 2.2 Vulnerable people 2.3 Equality duties 2.4 Use of data 2.5 Advice agencies 2.6 Complaints

More information

Taxation & Enforcement Service. Policy Document on the use of Insolvency Proceedings (bankruptcy & liquidation) and Charging Orders

Taxation & Enforcement Service. Policy Document on the use of Insolvency Proceedings (bankruptcy & liquidation) and Charging Orders Taxation & Enforcement Service Policy Document on the use of Insolvency Proceedings (bankruptcy & liquidation) and Charging Orders 1. Background & Purpose of this document Wealden District Council ("the

More information

Benefits, which affected over 1,000 tenants. Miscellaneous Number of debts paid in 60 days Overpaid Benefits Car Parking Penalty Charge Notices

Benefits, which affected over 1,000 tenants. Miscellaneous Number of debts paid in 60 days Overpaid Benefits Car Parking Penalty Charge Notices Appendix 1 Summary of Swindon s Debt Collection Rates 2012/13 2013/14 Comments and Comparisons Council Tax 97.9% 97.40% The collection rate reduced following the introduction of the Local Council Tax Support

More information

Debt Management and Recovery Policy for Adult Social Care Debt

Debt Management and Recovery Policy for Adult Social Care Debt IN CONFIDENCE Debt Management and Recovery Policy for Adult Social Care Debt Rotherham Metropolitan Borough Council Author: Your council Riverside House Approved by: Robert Cutts Main St Rotherham S60

More information

Appendix A. Draft Debt Management, Recovery and Write-Off Policy

Appendix A. Draft Debt Management, Recovery and Write-Off Policy Appendix A Draft Debt Management, Recovery and Write-Off Policy CONTENTS Page 1. Introduction and Aims 2 2. Billing and Invoicing arrangements. 4 3. Payment of Bills and Invoices 4 4. Enforcement. 5 5.

More information

Exchequer Services. Debt Recovery Policy

Exchequer Services. Debt Recovery Policy Exchequer Services Debt Recovery Policy Version 4 23/01/2014 1 1.0 Policy objectives The council has a legal duty to recover all money that it is owed. We have a responsibility to recover all such sums

More information

FIFE COUNCIL INTEGRATED INCOME COLLECTION AND DEBT RECOVERY POLICY

FIFE COUNCIL INTEGRATED INCOME COLLECTION AND DEBT RECOVERY POLICY Appendix A FIFE COUNCIL INTEGRATED INCOME COLLECTION AND DEBT RECOVERY POLICY INTRODUCTION 1.1 This document details the Council s policies on the billing, collection and recovery of monies due to the

More information

Oadby and Wigston Borough Council CORPORATE DEBT POLICY

Oadby and Wigston Borough Council CORPORATE DEBT POLICY Oadby and Wigston Borough Council CORPORATE DEBT POLICY September 2012 If you require this document in a different format please contact, Customer Services on Leicester (0116) 288 8961 or email us at customerservices@oadby-wigston.gov.uk

More information

Annex A CITY OF YORK COUNCIL CORPORATE DEBT POLICY

Annex A CITY OF YORK COUNCIL CORPORATE DEBT POLICY Annex A CITY OF YORK COUNCIL CORPORATE DEBT POLICY Contents Paragraph Introduction 1-3 Policy Objectives 4-5 Policy Purpose 6-9 Governance 10 Delivering the Service to the Customer 11 13 Communicating

More information

HYNDBURN BOROUGH COUNCIL COUNCIL TAX AND NATIONAL NON DOMESTIC RATES RECOVERY POLICY GUIDANCE

HYNDBURN BOROUGH COUNCIL COUNCIL TAX AND NATIONAL NON DOMESTIC RATES RECOVERY POLICY GUIDANCE HYNDBURN BOROUGH COUNCIL COUNCIL TAX AND NATIONAL NON DOMESTIC RATES RECOVERY POLICY GUIDANCE 1 Legal and Democratic Services November 2013 Recovery Policy Guidance Introduction This document should be

More information

Harrow Debt Management Policy Collecting money responsibly, sensitively and effectively

Harrow Debt Management Policy Collecting money responsibly, sensitively and effectively Harrow Debt Management Policy Collecting money responsibly, sensitively and effectively Harrow Corporate Finance Income Streams most likely to require recovery action Sundry Debts Benefits Overpayments

More information

Commercial Debt Solutions (CDS) DEBT COLLECTION SERVICE

Commercial Debt Solutions (CDS) DEBT COLLECTION SERVICE Commercial Debt Solutions (CDS) DEBT COLLECTION SERVICE Commercial Debt Solutions ( CDS ) is a division of Eaton Smith LLP, a large Yorkshire law firm based in Huddersfield. CDS caters for businesses nationally

More information

Council Tax Debt Recovery Policy

Council Tax Debt Recovery Policy Council Tax Debt Recovery Policy Updated: Ian Johnson June 2016 Introduction This policy outlines the recovery process for Council Tax and highlights the various stages that lead to the court issuing a

More information

CORPORATE DEBT MANAGEMENT AND RECOVERY POLICY

CORPORATE DEBT MANAGEMENT AND RECOVERY POLICY CORPORATE DEBT MANAGEMENT AND RECOVERY POLICY www.chorley.gov.uk CONTENTS Page Introduction 3 Policy Aims 4 How these link to the Council s Corporate Priorities Debts Covered by this Policy 5 The Legal

More information

Income and Debt Management Policy, Processes and Responsibilities April 2015

Income and Debt Management Policy, Processes and Responsibilities April 2015 Appendix A Income and Debt Management Policy, Processes and Responsibilities April 2015 Lancashire County Council Income and Debt Management Policy, Processes and Responsibilities (2015) Section Description

More information

Fair Debt Collection Policy

Fair Debt Collection Policy Finance & Corporate Services Fair Debt Collection Policy Promoting rights, responsibilities, fairness, consistency and proportionality May 2012 Table of Contents 1. Introduction 4 2. Overview 4 2.1 Policy

More information

Bradford Council recognises that some households are experiencing financial pressure through reduced income and increasing inflation and energy costs.

Bradford Council recognises that some households are experiencing financial pressure through reduced income and increasing inflation and energy costs. COUNCIL TAX COLLECTION POLICY Bradford Council recognises that some households are experiencing financial pressure through reduced income and increasing inflation and energy costs. This will inevitably

More information

Tonbridge & Malling Borough Council

Tonbridge & Malling Borough Council Contents Introduction Statement of Intent Key Principles Further Information Annex A - Council Tax Recovery Policy Annex B - Housing Benefits Overpayment Policy Annex C - General Debt Recovery Policy Annex

More information

MERTHYR TYDFIL COUNTY BOROUGH COUNCIL

MERTHYR TYDFIL COUNTY BOROUGH COUNCIL MERTHYR TYDFIL COUNTY BOROUGH COUNCIL DATE WRITTEN 14 th October 2005 REPORT AUTHOR Mark Horrigan COMMITTEE DIVISION Strategic COMMITTEE Cabinet COMMITTEE DATE 16 th November 2005 TO: Chairman, Ladies

More information

Sundry debts recovery policy

Sundry debts recovery policy Sundry debts recovery policy The term Sundry Debtors covers the range of miscellaneous debts raised by Blackburn with Darwen Borough Council in relation to many different Council services. It excludes

More information

EAST RENFREWSHIRE COUNCIL CABINET. 16 June 2016. Report by Deputy Chief Executive COLLECTION OF COUNCIL REVENUES DEBT RECOVERY POLICY

EAST RENFREWSHIRE COUNCIL CABINET. 16 June 2016. Report by Deputy Chief Executive COLLECTION OF COUNCIL REVENUES DEBT RECOVERY POLICY 81 AGENDA ITEM No.8 EAST RENFREWSHIRE COUNCIL CABINET 16 June 2016 Report by Deputy Chief Executive COLLECTION OF COUNCIL REVENUES DEBT RECOVERY POLICY PURPOSE OF REPORT 1. To seek Cabinet approval of

More information

A Fair Collection and Debt Recovery Policy

A Fair Collection and Debt Recovery Policy A Fair Collection and Debt Recovery Policy Sundry Debts and Housing Benefit overpayments Introduction Fylde Borough Council believes a collection and debt recovery policy should be fair to everyone, especially

More information

COUNCIL TAX COLLECTION POLICY

COUNCIL TAX COLLECTION POLICY COUNCIL TAX COLLECTION POLICY Bradford Council recognises that all households are experiencing financial pressure through reduced income and increasing inflation and energy costs. This will inevitably

More information

Vela Debt Recovery Policy

Vela Debt Recovery Policy Vela Debt Recovery Policy Overview The scope of this policy is to establish a framework for the recovery of a range of debts which includes:- current and former tenant arrears current and former recharge

More information

Policy On Collection of Student Fees and Related Charges

Policy On Collection of Student Fees and Related Charges Policy On Collection of Student Fees and Related Charges Scope 1. This policy relates to all fees and charges payable to the University by current and former students for the use of its facilities and

More information

Draft Harrow Council Corporate Debt RecoveryPolicy. Collecting money responsibly, sensitively and effectively

Draft Harrow Council Corporate Debt RecoveryPolicy. Collecting money responsibly, sensitively and effectively Draft Harrow Council Corporate Debt RecoveryPolicy Collecting money responsibly, sensitively and effectively August 2013 1 Introduction Harrow Council levies rent and charges for a variety of services

More information

RATLOU LOCAL MUNICIPALITY

RATLOU LOCAL MUNICIPALITY RATLOU LOCAL MUNICIPALITY CREDIT CONTROL AND DEBT COLLECTION POLICY Original Council Approval Date of Council Approval Resolution Number Effective Date Amended CONTENTS CREDIT CONTROL AND DEBT COLLECTION

More information

Corporate Write Off Policy

Corporate Write Off Policy Resources Finance Corporate Write Off Policy 15th October 2001 Purpose A corporate approach to the write off of debts that aims to maximise the opportunity for collection thereby minimising the need for

More information

Relate. Personal Insolvency Bill 2012. August 2012. New arrangements for dealing with debt. Contents

Relate. Personal Insolvency Bill 2012. August 2012. New arrangements for dealing with debt. Contents August 2012 Volume 39: Issue 8 ISSN 0790-4290 Contents Relate The journal of developments in social services, policy and legislation in Ireland Page No. 1 Personal Insolvency Bill 2012 This issue deals

More information

CORPORATE FAIR DEBT POLICY

CORPORATE FAIR DEBT POLICY CORPORATE FAIR DEBT POLICY June 2011 Table of Contents Vision and objectives 2 1. Introduction 2 2. Policy Aims 3 3. Fair Debt Collection 3 4. The Legal and Policy Framework for Recovery 4 5. Debts Covered

More information

Cabinet. 16 February 2015

Cabinet. 16 February 2015 Cabinet 16 February 2015 Title: Debt Management Performance and Write-Offs 2014/15 (Quarter 3) Report of the Cabinet Member for Finance Open Report Wards Affected: None Report Author: Steve Cooper, Head

More information

RENT COLLECTION, ARREARS & DEBT RECOVERY POLICY

RENT COLLECTION, ARREARS & DEBT RECOVERY POLICY RENT COLLECTION, ARREARS & DEBT RECOVERY POLICY Approved by Board 21 July 2009 1. Introduction 1.1 This Policy sets out the principles and approach to be taken in making sure that rent and service charge

More information

LONDON BOROUGH OF ENFIELD CORPORATE DEBT MANAGEMENT POLICY

LONDON BOROUGH OF ENFIELD CORPORATE DEBT MANAGEMENT POLICY LONDON BOROUGH OF ENFIELD CORPORATE DEBT MANAGEMENT POLICY 1. Introduction This document sets out the Council s policy for the billing, collection and enforcement of Council debt. Debt management is the

More information

Guide to the Debt Recovery Process

Guide to the Debt Recovery Process Guide to the Debt Recovery Process How it works, and what we The debt recovery process can seem confusing and daunting. We aim to simplify it as much as we can, and to make clear from the outset what we

More information

Corporate Debt Recovery Policy

Corporate Debt Recovery Policy Corporate Debt Recovery Policy 1 CONTENTS Section Pages Policy Introduction 1 Scope of Policy and Aims and Objectives 2-3 Council Tax and Business Rates Recovery (Appendix 1) 4-8 Housing Benefit and Council

More information

Bangor University Invoicing and Credit Control Procedures

Bangor University Invoicing and Credit Control Procedures Bangor University Invoicing and Credit Control Procedures 1 Purpose 1.1 To ensure that invoices are appropriately issued and settled on a timely basis, thereby maximising the cashflow to the University.

More information

Fair Debt Collection Policy

Fair Debt Collection Policy Fair Debt Collection Policy 1 1. Background 1.1 The council first approved a Fair Debt Collection Policy in 1995. The policy was established as a means of not only protecting the interests of the council

More information

IMPORTANT THIS GUIDANCE SHOULD ONLY BE USED FOR PROGRAMMES FROM 1 APRIL 2015. Debt Arrangement Scheme (DAS) Business DAS

IMPORTANT THIS GUIDANCE SHOULD ONLY BE USED FOR PROGRAMMES FROM 1 APRIL 2015. Debt Arrangement Scheme (DAS) Business DAS Debt Arrangement Scheme (DAS) Business DAS Guidance for Payments Distributors Relevant Legislation The Scottish Parliament approved the Debt Arrangement Scheme (DAS) by passing the Debt Arrangement and

More information

North Somerset Council Debt recovery and overpayments policy May 2013 (amended August 2014)

North Somerset Council Debt recovery and overpayments policy May 2013 (amended August 2014) North Somerset Council Debt recovery and overpayments policy May 2013 (amended August 2014) + This publication is available in large print, Braille or audio formats on request. Help is also available for

More information

IMPORTANT THIS GUIDANCE SHOULD ONLY BE USED FOR PROGRAMMES FROM 1 April 2015. Debt Arrangement Scheme (DAS) Business DAS

IMPORTANT THIS GUIDANCE SHOULD ONLY BE USED FOR PROGRAMMES FROM 1 April 2015. Debt Arrangement Scheme (DAS) Business DAS Debt Arrangement Scheme (DAS) Business DAS Guidance for Insolvency Practitioners acting as Continuing Money Advisers Relevant Legislation The Scottish Parliament approved the Debt Arrangement Scheme (DAS)

More information

GET IN TOUCH, NOT IN DEBT

GET IN TOUCH, NOT IN DEBT GEDLING BOROUGH COUNCIL A Fair Collection and Debt Recovery Policy GET IN TOUCH, NOT IN DEBT A Handbook for: Gedling Borough Council Staff and Members Local Advice Workers The Council s Collection Agents

More information

TERMS & CONDITIONS FULLY MANAGED SERVICE

TERMS & CONDITIONS FULLY MANAGED SERVICE TERMS & CONDITIONS FULLY MANAGED SERVICE For the purpose of this agreement the following definitions will apply:- Keywest Estate Agents Ltd shall be known as The Agent... shall be known as The Owner..

More information

DEBT ADMINISTRATION PROCEDURE

DEBT ADMINISTRATION PROCEDURE Related Policy These procedures are for the implementation of the Debt Administration Policy and provide procedures to be followed by staff engaged in Debt Management and Debt Recovery and their managers.

More information

Thompson Jenner LLP Last revised April 2013 Standard Terms of Business

Thompson Jenner LLP Last revised April 2013 Standard Terms of Business The following standard terms of business apply to all engagements accepted by Thompson Jenner LLP. All work carried out is subject to these terms except where changes are expressly agreed in writing. 1

More information

Debt Recovery Policy

Debt Recovery Policy Debt Recovery Policy Debt Recovery Policy Mission Statement Promoting high quality education, love, care and forgiveness of others as taught to us by Jesus and our Patron Saints. Aim Responsibilities The

More information

Ontario Works Policy Directives

Ontario Works Policy Directives Ontario Works Policy Directives 9.3 Recovery of Overpayments Legislative Authority Sections 19-23, 28(6) and 32 of the Act Section 62 of Regulation 134/98. Section 10 of Regulation 135/98. Audit Requirements

More information

UNIVERSITY OF WORCESTER

UNIVERSITY OF WORCESTER UNIVERSITY OF WORCESTER POLICY DEBT MANAGEMENT POLICY: STUDENTS Contact Officer Account Receivable Manager Purpose A detailed guide of the debt management process for the University in relation to student

More information

Approved: July 2013. Next review: By July 2016. Cross reference: FORTH HOUSING ASSOCIATION LIMITED FACTORING POLICY

Approved: July 2013. Next review: By July 2016. Cross reference: FORTH HOUSING ASSOCIATION LIMITED FACTORING POLICY FORTH HOUSING ASSOCIATION LIMITED FACTORING POLICY Code: HM08 Approved: Next review: By July 2016 Cross reference: This document can be made available in alternative languages or formats (such as large

More information

Please read and sign the following. This is to confirm you have received and read all of the. Client ID: EDS <<ClientID>> Version 2.5.

Please read and sign the following. This is to confirm you have received and read all of the. Client ID: EDS <<ClientID>> Version 2.5. Terms and Conditions of Business Please read and sign the following. This is to confirm you have received and read all of the Terms and Conditions of Business. Client ID: EDS Version 2.5.7

More information

STATEMENT OF INSOLVENCY PRACTICE 3.3 (SCOTLAND)

STATEMENT OF INSOLVENCY PRACTICE 3.3 (SCOTLAND) STATEMENT OF INSOLVENCY PRACTICE 3.3 (SCOTLAND) TRUST DEEDS INTRODUCTION 1. A Trust Deed is a voluntary deed granted by a debtor whereby the debtor conveys all or part of his estate to a named Trustee

More information