Please note the Appendices will be subject to regular review and update.
|
|
- Jack Doyle
- 8 years ago
- Views:
Transcription
1 Appendices Corporate Debt Policy Contents Appendix 1 Debts owed to the council and prioritisation Appendix 2 Payment methods Appendix 3 Financial inclusion partnership Appendix 4 Bailiff Code of Conduct Appendix 5 Advice Centres Appendix 6 Advice leaflets Appendix 7 Complaints Appendix 8 Drafty Corporate Support Protocol Please note the Appendices will be subject to regular review and update. Appendix 1 Debts owed to the council and prioritisation The policy covers all debts owed to the Council, including but not limited to: Council tax Domestic rent (including former tenant arrears) Tenant freehold and leasehold debt Commercial rent Housing Benefit overpayments Business rates Trade waste Sundry debts, including residential and non-residential debts, unpaid fees and charges (nursery fees, truancy fees, work in default, library fees etc.) Legal costs Penalty charge notices (for parking fines) YHN residential related charges (e.g. heating etc.) The following are priority debts: Rent arrears as it can result in eviction Council tax as it can result in imprisonment Business rates as it can result imprisonment The following are non-priority debts: Housing Benefit overpayments Former tenancy rent arrears (YHN) Parking penalty charges and permits Repairs and maintenance (YHN)
2 Care at Home and Meals at Home Early education and childcare (nursery fees and school meals) Care alarms Pest Control Library publications Membership schemes (Love to learn) Hire of facilities Appendix 2 Payment Methods To ensure convenience and choice for the customer when paying for services, the Council offers a range of accessible payment methods which are summarised below: 2.1 Direct debit Direct debit is the easiest and most convenient way to pay and gives customer control. To pay by Direct Debit the customer will need a Bank or Building Society account. Not all services currently accept payment by Direct Debit. Please refer to for further details. 2.2 Via the customer s bank We accept payments via internet banking, our Bank details are: Branch: Cooperative Bank Plc., Newcastle upon Tyne Sort Code: Account number: Account Name: Newcastle City Council General Account Customers will need to quote their reference number to make sure payment is allocated correctly. 2.3 Standing order A standing order can be set up via a customer s Bank. 2.4 Swipe card Some services can be paid via a swipe card for example council tax or domestic rent. Customers can pay by cash or cheque at the Post Office, or by cash only at any PayPoint outlet.
3 2.5 Cash Payments can be made in person at Customer Service Centres (CSCs), rent can also be paid at Walker Centre, Churchwalk. Up to date information about CSC opening times and locations can be found at Phone Payments can be made over the phone using a Debit or Credit card free of charge by phoning Customers will need to have their reference number in order to make a payment. 2.7 Online Payments Customers can make an online payment with their credit or debit card. Not all services currently offer this facility. Please refer to for further details. 2.8 YHN Rent Payments When customers sign a tenancy agreement with YHN, one of their responsibilities as a tenant is to pay rent regularly and on time. Rent can be paid in the following ways: Direct Debit In person Swipecard Standing Order Telephone Post Pay a bill online on the Newcastle City Council website. QR code Personal Internet Banking For further information please refer to Appendix 3 Financial Inclusion Partnership The Newcastle Financial Inclusion Partnership brings together 47 agencies that provide information, advice and assistance to help people to better cope with reduced income and increased expenditure. They have acknowledged the interrelated nature of issues related to money and financial inclusion. With that in mind, they have developed an integrated approach to information and advice that helps people to maximise income, reduce expenditure, keep their home and
4 access digital support. For example, by increasing access to affordable credit rather than just tackling problems associated with excessive debt. Their learning over the last two years has been to build on this approach to create a solid foundation for financial inclusion information, advice and support in the city. Their aim is to have a sustainable and embedded approach which can make a meaningful difference to local people s lives. This gives them a stronger chance of encouraging people to request support earlier and to deal with problems before they reach crisis point, which in turn will have better outcomes for mental health and wellbeing. A key element of this approach is providing consistent, coordinated information for use by all partner agencies in the city. They have carefully considered the reasons for producing information, together with who the audience is, so that our messages are targeted and have the best chance of reaching the right people at the right time. Appendix 4 Bailiff Code of Conduct 1. Introduction 1.1 This code of practice sets out procedural and other standards for any contractor employed by Newcastle City Council to assist in the recovery of debt due to the Council. 1.2 It relates to action taken during personal visits, in telephone calls, correspondence or any other communication relating to a debt due to the City Council. 1.3 The City Council is committed to tackling social exclusion and any contractor acting for the Council must recognise the following: The recovery process must not cause undue hardship Operations must be structured and able to distinguish between those who find difficulty in paying and those who wilfully refuse to pay. 1.4 Correspondence must be in plain English and standard letters and forms approved by the City Council. 1.5 All contractors acting for the City Council must act within the law and the guidelines set out by the City Council. Any instructions issued by any officer to the contrary should not be complied with and ought to be reported back to the Council s nominated officer or to his/her manager.
5 1.6 Any person attending a property must carry photographic identification showing that he/she is authorised by the person for whom he/she is working to act on his/her behalf. They must follow any legal requirement for introducing themselves and producing identification and authorisation to act for the Council. 2. Collection of amounts due 2.1 Payment arrangements may be made and the reasons stipulated in any report. Guidelines for subsequent arrangements are the same as those for initial arrangement. 2.2 The collection agent must try to make an arrangement for periodic payments which will clear the debt within six months. If a debtor claims financial hardship and cannot afford to pay the debt within 6 months the debtor will be given the Council s financial statement to complete and a list of debt advice agencies available. The bailiff agency will use the same affordability assessment principles as the council and YHN. 2.3 No charge should be made to the debtor or the Council for costs associated with arrangement to pay. 2.4 The collection agent may return at a specific date in order to obtain payment or make an arrangement, a letter should be left on the first visit indicating what has been done and what might happen if there is no subsequent offer of payment. 2.5 The Council recognise that there are circumstances where debtors may be particularly disadvantaged and in some cases unable to deal with repayment of their account without additional assistance. There is no straightforward way to determine vulnerability and individual cases will need to be determined on their own merits. The following groups are those that may fall into the vulnerable area:- (a) (b) (c) (d) (e) (f) (g) Elderly and / or infirm Physically or mentally disabled person(s) Have a medical illness that may impair their ability to manage on a day-to-day basis Persons suffering from a serious or long term illness Illiterate individuals and individuals for whom English is not their first language Recently bereaved person(s) Single parents
6 (h) (i) (j) Pregnant women Victims of domestic abuse People in serious financial hardship and people facing imminent crisis (e.g. repossession and eviction) If vulnerability is identified then the bailiff dealing with the account should seek to take a more understanding approach, judge the requirement of each case on its individual merits, and consult with the Council where appropriate to agree whether the account needs to be returned to the Council. Where possible the bailiff should endeavour to adhere to the criteria set out within this Code of Practice. However, if the circumstances dictate that a payment arrangement is to fall outside these criteria, then the bailiff should consult with the Council before finalising any agreement. These cases must be handled with extreme sensitivity. In particular, if it is felt action would cause undue hardship or the debtor has extreme difficulty understanding what might happen or has happened, the matter should be referred back to the Council as no or insufficient effects. 2.6 The Contractor must still recognise that the Council is committed to tackling social exclusion and must still comply with the guidelines contained it the introduction to this Code of Practice. 2.7 Some costs for collecting money may be met by the debtor (e.g. cost of a credit card transaction or a bank Giro payment). These must not exceed the costs agreed from time to time with the Council s nominated officer. 2.8 No visits shall be made before 7.30am to after 9.00pm unless on the instruction of the Council s nominated officer or his/her manager. Any request to visit outside these hours must include the reasons for doing so. 2.9 When a collection agent visits a debtor there must be a phone number available for him to contact his/her office if support or advice is required by him or any person he is visiting. This includes times when the agent is working outside normal office hours A translation service must be provided by the contractor when requested where a debtor s first language is not English Documents must be available in audio, braille or in large print. All documents left should indicate this and state how the person to whom the letter is addressed can obtain a copy.
7 Appendix 5 Advice Centres If a customer has a problem with debt it is important not to panic but it shouldn t be ignored either - it won t go away. Every year in Newcastle hundreds of people work with a debt adviser to deal with their debts. Customers with a debt need to take action or they could end up losing out financially or getting into deeper into debt. There may be a risk of further enforcement action being taken, for example by the court and bailiffs. Newcastle Citizens Advice Bureau and the council s Council Tax, Welfare Rights and Money Matters teams are working together to help people manage their council tax payments and other debt. The Council wants to help customers through difficult times and can put in places things like payment plans, or help you maximise income through benefits to help resolve debt problems. There are also a number of organisations that can provide independent advice. Please visit any of the websites below to find out more information Help available from the Council to prevent or respond to a money crisis There is a variety of practical help available, some of which has eligibility criteria. Housing Benefit and Discretionary Housing Payments towards rent and Council Tax Support and discounts to reduce council tax payments - Energy Best Deal check to help people to find a cheaper energy deal - Free school meals - Crisis Support Scheme (CSS) provision of food, clothing, fuel for heating and expenses for emergency travel to cover short term periods of crisis or disaster - Supporting Independence Scheme (SIS) provision of basic household goods to help sustain independence and prevent homelessness -
8 YHN Advice and Support Team There is a dedicated team within YHN offering benefits advice; debt counselling; help moving into your new home; and advice on rent arrears problems. Customers can contact the team via an online request form, or by visiting a community housing office. Free debt advice There are several organisations that provide trustworthy free debt advice to residents. They can be accessed in a variety of ways: online, by phone or faceto-face. Online and telephone debt information and advice is provided by: Citizens Advice Bureau (CAB) - phone DAWN Advice - phone Payplan - phone StepChange Debt Charity - phone Local telephone and face-to-face debt advice is provided by: Newcastle Debt Advice Line (shared between Newcastle CAB and the Council s Money Matters team) phone Monday to Friday 9.30am to 11.30am and 1pm to 3.30pm (except Wednesday mornings) Targeted debt advice for people at risk of homelessness through eviction or repossession phone line and drop-in sessions at the Housing Advice Centre. For further details, visit
9 Appendix 6 Advice leaflets 6.1 Are you worried about money leaflet May 2013
10
11
12
13 6.2 Borrow Wisely Leaflet March 2013
14
15
16
17 6.3 Replacement Social Fund Leaflet March 2013
18
19
20
21 Appendix 7 Complaints We aim to provide high-quality services for all our customers. But we realise that things can sometimes go wrong, so we need to know when a customer is not happy with our service. We see any complaint as an opportunity to improve our service. What is a complaint? A complaint is when a customer tells us they are not happy. For example if: we do not deliver a service on time; we give the wrong information; the customer receives a poor-quality service; or the customer has a complaint about a member of staff. Our promise to you We are committed to putting the customer first and providing a quality customer service. This includes dealing with any complaint they may have. We will deal with any complaint quickly and fairly. We will tell the customer what is happening with their complaint and will do everything we can to help them. We will do our best to treat the information the customer provides in confidence. We will explain our decision. We will use complaints to review and improve the way we provide services. The customers right to a council service will not be affected if they make a complaint. How do I make a complaint? Complaints can be made in person, by phone, by letter or . If preferred, the customer can ask a friend or relative to speak or write to us on their behalf. In any contact, it is important the customer: Provides their name, address, and phone number; and tells the person they speak to what their complaint is. If a complaint is about a member of staff, it should be directed to the manager, not to other members of staff.
22 Complaints Officer Newcastle City Council Civic Centre Newcastle upon Tyne NE1 8QH Phone: If you feel unhappy at any stage with how the City Council is dealing with your complaint, you can ask the Commission for Local Administration in England - known as the Ombudsman - to investigate the matter. YHN Complaints Customer Service Team YHN House Benton Park Road Newcastle upon Tyne NE7 7LX Phone: yhnccc@yhn.org.uk
23 Appendix 8 Draft Corporate Debt Support Protocol Please note that this protocol is still being developed y the Newcastle Advice Compact and is not yet finalised. 1. Summary This policy describes how we will work to prevent debt and support people who get into debt to the Council. This complements the Corporate Debt Recovery Policy, which describes how the Council will develop a single approach to recovering debt. The policy aims to facilitate a consistent approach to providing support which will help prevent people accruing priority debts to the council. This is made up of two parts: i. The Common Financial Approach (CFA) which facilitates a common approach to supporting people to meet their priority debts, and: ii. The recommendation of a consistent process for responding to people who do get into debt with the Council. This includes: a. The Common Financial Statement (CFS); b. Guidelines for people who are facing serious financial hardship. 2. Why do we need this policy? There are currently several strands of debt owed to the Council and it can be confusing for clients and their advocates trying to support people to cope with these debts. Similarly there is not a consistent approach to helping people understand the importance of paying their priority debts or of responding to those in debt. This report focuses on complementing the Corporate Debt Recovery Policy, to help people avoid priority debts. The non payment of priority debts can lead to loss of housing, freedom, fuel supply and essential goods, for example, rent, council tax and fuel arrears. Further information can be found here: Priority debts 1. It can be hard for people in debt to know what to do and what offer of advice to trust in the face of expensive advertising encouraging them to take on more debt. The Council recognises these difficulties and believes that people are best helped by being honest that we have to be fair to everyone and of the need to support people to prioritise the payment of their rent, utilities and council tax. We understand it can be hard for people to juggle competing priorities and want to help them meet their obligations in difficult times by: 1 s_scotland.htm#which_debts_are_priority_debts
24 Making the prevention of debt everyone's business; Preventing further debt problems by offering suitable payment options; Protecting and supporting vulnerable customers; Maximising the use of discretionary funds to support people in crisis; Maximising income e.g. through employment opportunities and benefit maximisation; The aim is to prevent excessive debt by promoting financial inclusion and budgeting to reduce the impact of poverty. This should help the positive support provided in the city to focus on supporting their clients to prevent debt rather than advocating against action being taken once the debt has accrued. This has been developed in partnership with the Newcastle Advice Compact and our work to increase financial inclusion by encouraging consistent conversations about the support available and the positive alternatives to more expensive options e.g. promoting credit unions as an alternative to payday loans. Corporate Debt Support is divided into two related areas: 3. a. Common Financial Approach (CFA) This facilitates a common approach to supporting people to meet their priority debts. It will make it easier for front-line staff to help people to prioritise their money management. The Council s Active Inclusion Unit (AIU) coordinates the provision of financial inclusion information, briefings, training and advice to make it easier for support providers with other specialisms to help their clients become financially included and to avoid the consequences of the nonpayment of priority debts. We know that financial problems are best prevented by increasing financial capability. However we also know that this is difficult when people are faced with conflicting messages and constantly changing tariffs and benefit entitlements. Therefore the AIU will work with partners, to develop a consistent approach that will provide: Trigger point conversations and answers to frequently asked questions for support providers to routinely raise debt and financial inclusion with their clients; (see appendix 1) Briefings to support teams on the promotion of debt awareness and money management skills to promote the prevention of debt; Information and weblinks on how people can help themselves and of Newcastle s financial inclusion offer see Training for front line staff on financial inclusion and money management; The development of collaborative approaches to reducing poverty through our financial inclusion seminars; Self help materials e.g. budgeting guides
25 Information on where to get expert advice when people get into trouble (see appendix 2 for Financial Inclusion Debt Toolkit 2 ); Monitoring to help people see what makes a positive difference, where the gaps are and what we need to do differently. The CFA is being developed by piloting the approach with the learning disability, children s social work, Family Intervention and Sure Start teams, this started in November This will then be extended to other partners. In addition the Council will continue to provide proactive support to people in arrears. This will include continuing the close work between the Council s Revenues and Benefits and Money Matters debt advice team with Newcastle Citizens Advice Bureau to improve council tax collection. This resulted in the Council formally adopting the Local Government Association s Good Practice Guidance in the Collection of Council Tax Debts, the establishment of drop-in sessions for people in council tax arrears and the promotion of free and trusted debt advice agencies within the council tax correspondence. Where the Council and YHN provide services to people such as, for example, home improvements and nursery places, the Council will endeavor to assess whether the client can afford these services before providing them to ensure that people can afford to pay and to promote budgeting to enable people to access these services. 3. b A consistent approach to negotiating repayments with people in debt The approach consists of two parts: i. Common Financial Statement (CFS) The CFS should be used by the Council, Your Homes Newcastle (YHN) and the Council s debt collection agents as a standard income and expenditure statement to be used in assessing debtors ability to pay. All departments are encouraged to use the standard CFS compliant income and expenditure statement. The CFS is the budgeting tool that is used by the majority of debt advisers and creditors to assess debt repayment offers. The CFS provides an accurate overview of debtors income and expenditure and gives creditors confidence about how proposals have been calculated as any unreasonable expenditure would have been challenged. The CFS contains preagreed levels for discretionary household expenditure called trigger figures. The trigger figures are calculated using research from the Government s Living Costs and Food Survey that is based on a random sample of lower-income UK households. 2
26 The CFS is widely used by the free and independent debt advice agencies and the credit industry. The Insolvency Service uses CFS to assess Debt Relief Order (DRO) applications. The CFS is also referred to in the Lending Code, the Office of Fair Trading (OFT) Debt Management Guidance, the Individual Voluntary Arrangements (IVA) protocol and the Money Advice Liaison Group (MALG) Mental Health Guidelines. Further information about the CFS can be found at the Money Advice Trust website 3. Repayment plans to pay debts owed to the Council should be based on sustainable budgets that can stand the test of time. The CFS based financial assessments facilitate this and ensure that priority creditors take precedence over non-priority creditors. ii. Negotiation guidelines for people who are facing serious financial hardship. Many people who owe priority debts to the Council are in receipt of means-tested benefits and low wages and are left with very little to live on. For people on income-related benefits in debt upon request the Department of Work and Pensions (DWP) can apply a standard Third Party Deduction (TPD) rate that is currently set at 3.60 per week for repayments of council tax and rent arrears. This is in many cases the appropriate minimum repayment amount. However for some people who are on the verge of serious financial hardship the standard TPD rate of 3.60 may put them and their health and wellbeing at risk and bring about an eat or heat dilemma. In these cases a lower rate of repayment may be agreed. It is recommended that where debtors have less than 30% of the CFS maximum trigger figure housekeeping allowance (food and clothing) the Council supports those people by agreeing to accept repayments of less than the standard DWP TPD rate for payments of priority debts. These debtors should complete a CFS income and expenditure statement so that the Council and YHN can make a sustainable agreement for debt repayments. If the debtors do not engage or default on the arranged payments the Council and YHN will then have no option but to apply for the DWP TPDs at the standard rate. For people with non-priority debts to the Council who are in extreme hardship consideration will be given to suspending the collection or writing off the debts. In the debt collection process the following will be considered: Where there is a benefit application pending the recovery action is put on hold Where the debtor reports financial difficulties the debt recovery will be put on hold for 28 days to give the debtor time to get debt advice. For rent arrears and council tax arrears the debtor should be advised to pay the ongoing charges where possible as they are priority debts. 3
27 Where a debtor has been overpaid Housing Benefit and they are in receipt of Housing Benefit for their ongoing rent charges, the Council will not apply the standard rate of recovery (currently set at per week nonfraud cases) without trying to establish the debtor s financial position and assessing affordability. 4. Monitoring and maintenance of the policy The AIU will monitor and maintain this policy to ensure that information is kept up to date. Engagement with partners and the identification of potential changes will continue through the Newcastle Advice Compact and Financial Inclusion Partnership.
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 informationLEEDS CITY COUNCIL CORPORATE DEBT POLICY
LEEDS CITY COUNCIL CORPORATE DEBT POLICY ( Draft Version 5 ) Summary of policy : This policy details the principles to be adopted by the Council when undertaking the collection of debt in the City of Leeds
More informationDealing with debt - toolkit Information from Southampton City Council. Step 5. Tackle the most important debts first
Dealing with debt - toolkit Information from Southampton City Council Step 5. Tackle the most important debts first Step 5. Tackle the most important debts first priority creditors. Some debts are more
More informationDraft Harrow Council Corporate Debt Recovery Policy. Collecting money responsibly, sensitively and effectively
1 Draft Harrow Council Corporate Debt Recovery Policy Collecting money responsibly, sensitively and effectively Introduction Harrow Council levies rent and charges for a variety of services and is responsible
More informationNewcastle City Council Corporate debt policy. December 2013
Newcastle City Council Corporate debt policy December 2013 1 This policy sets out our approach to collecting and recovering debt owed to us by businesses and residents. Introduction Newcastle City Council
More informationPriority debt strategy chart
Priority debt strategy chart Compiled by Meg van Rooyen, Policy Manager and Deborah Shields, Information Manager, Money Advice Trust. Last updated February 2012 Using this list of sanctions as a guide,
More informationFor more information. This leaflet is available on request in other formats such as large print and languages other than English.
For more information This Code of practice is approved by Ofwat and forms part of a suite of code of practice leaflets available to customers. This leaflet is available on request in other formats such
More informationA guide to RENT ARREARS
A guide to RENT ARREARS An Information Booklet INTRODUCTION The importance of Regular Rent Payment Cadder Housing Assocation is responsible for the management and maintenance of approximately 650 properties.
More informationDealing with a drop in income
Dealing with a drop in income 2 Royal College of Nursing Dealing with a drop in income 3 When you are faced with a change of circumstances, such as a reduction in your working hours, ill health, loss of
More informationHelp 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 informationCORPORATE 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 informationOptions for dealing with debt
Options for dealing with debt This factsheet explains what you can do if you cannot afford your debts. It gives an overview of the options that you may have, but is not a suitable alternative to speaking
More informationEverything you need to know about rent
Everything you need to know about rent THIS LEAFLET IS RESIDENT APPROVED What s inside This leaflet gives you information about your rent. It tells you about: u How to pay your rent u Understanding your
More informationMONEY WORRIES? A SELF HELP GUIDE TO DEALING WITH YOUR DEBTS. Contents
MONEY WORRIES? A SELF HELP GUIDE TO DEALING WITH YOUR DEBTS Contents 1 Introduction page 3 Checking that the money is owed 4 Working out your budget Income Expenditure 4 Negotiating with Priority creditors
More informationRENT 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 informationGET 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 informationMoney Advice Pack PB 1
Money Advice Pack 1 Introduction Many people suffer difficulties with money at some time in their lives. Money problems can be caused by a variety of reasons, such as losing your job, illness, decreased
More informationCouncil 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 informationWigan Council Corporate Debt Policy (CDP)
Wigan Council Corporate Debt Policy (CDP) Reviewed December 2013 Wigan Council Corporate Debt Policy Index PART 1 - What is a Corporate Debt Policy (CDP) and why have one? Page 1.1 What is a Corporate
More informationAnnex 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 informationRent Collection. This guide explains our approach to rent collection, our promises to you and how you can pay online with my Bernicia
Rent Collection This guide explains our approach to rent collection, our promises to you and how you can pay online with my Bernicia 1 Rent Collection This guide explains our approach to rent collection.
More informationDRAFT 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 informationHow to get help if you can t pay your bill
How to get help if you can t pay your bill Code of Practice 1 - Code of Practice Please tell us straight away if you are having difficulty in paying. We are always happy to help. Call our customer helpline
More informationDebt recovery. code of practice
Debt recovery code of practice We want to help As a Wessex Water customer, you are entitled to a high level of service from us and our billing company Bristol Wessex Billing Services Limited (BWBSL). In
More informationAPPENDIX 1. LB Lambeth Income and Debt Recovery Strategy 2015/17
APPENDIX 1 LB Lambeth Income and Debt Recovery Strategy 2015/17 For Lambeth council, responsible financial management is critical to enabling the delivery of over 100 core services efficiently and sustainably.
More informationGet advice now. Are you worried about your mortgage? New edition
New edition July 2009 Are you worried about your mortgage? Get advice now If you are struggling to pay your mortgage, act now to stop your situation becoming worse. Working with Citizens Advice Bureaux
More informationCouncil 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 informationHow To Get Out Of Debt
Are you worried about your mortgage? Get advice now If you are struggling to pay your mortgage, act now to stop your situation becoming worse Funded by the Northern Ireland Executive, delivered through
More informationCOLLECTION 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 informationHelp us to help you. Remember, we will not take debt recovery action against you if: you follow the steps within this leaflet
Debt Recovery Remember, we will not take debt recovery action against you if: you follow the steps within this leaflet Help us to help you The advice in this leaflet is very important. It incorporates
More informationGUIDE TO DEALING WITH DEBT
GUIDE TO DEALING WITH DEBT CONTENTS Page 4 Where do I start? Page 5 Do I have to pay? What can I afford to pay? Page 7 Who to pay first? Page 10 What can I afford to pay on my Credit Debts? Page 12 What
More informationGet advice now. Are you worried about your mortgage? New edition
New edition July 2010 Are you worried about your mortgage? Get advice now If you are struggling to pay your mortgage, act now to stop your situation becoming worse. Working with Citizens Advice Bureaux
More informationSundry 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 informationFIFE 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 informationCode of Practice on Debt Recovery
Code of Practice on Debt Recovery SSE is a trading name of SSE Water Limited, which is a member of the SSE Group. The Registered Office of SSE Water Limited is 55 Vastern Road, Reading RG1 8BU. Registered
More informationProblems paying your mortgage
Problems paying your mortgage What you need to do now and how to get back on track Steps to take now What your options are Get free impartial advice The Money Advice Service is independent and set up by
More informationShepway 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 informationBENEFIT, MONEY & DEBT. Advice Services in Dundee
BENEFIT, MONEY & DEBT Advice Services in Dundee i Contents Brooksbank Centre Citizens Advice Bureau Dundee North Law Centre Dundee Carers Centre Discovery Credit Union Dundee Energy Efficiency Advice Project
More informationBudgeting and debt advice handbook for residents
Budgeting and debt advice handbook for residents Step-by-step guide Contents Introduction...................... 3 Income maximisation List your income Can you increase your income? Income..........................
More informationDebt 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 informationBradford 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 informationOur Code of Practice for Domestic Customer Debt
Our Code of Practice for Domestic Customer Debt 2104/2/2011 1 Introduction This is our Code of Practice for dealing with domestic customer debt. It gives details on paying your bills, and states what we
More informationYour Gas and Electricity Bill
Your Gas and Electricity Bill Page 3 This charter sets out what you need to know about paying for your gas and electricity, and what to do if you re having difficulty paying a bill. Section Contents Page
More informationNATIONAL 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 informationUPDATED. XyxxYy. Benefit Changes. The Government is cutting benefits. 1 in 7 people will be affected. Are you prepared?
UPDATED Benefit Changes XyxxYy The Government is cutting benefits. 1 in 7 people will be affected. Are you prepared? 1 XyxxYy ARE YOU PREPARED FOR UNIVERSAL CREDIT? Most people in Sheffield who currently
More information1 Don t ignore the problem
Sometimes when your circumstances change, for example you work fewer hours, become sick, separate/ divorce, receive a cut in your pay, lose your job or have high bills to pay, life seems impossible. Don
More informationCOUNCIL 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 informationDebt Advice Self Help Pack
Central Bedfordshire Council www.centralbedfordshire.gov.uk Debt Advice Self Help Pack Do you find there is not enough money to pay your bills each week/month? Has your credit become debt? Are your outgoings
More informationBridgewater Housing Association Ltd Policy
Bridgewater Housing Association Ltd Policy Approved committee on by 5 August 1998 31 March 1999 26 April 2000 25 September 2002 30 November 2005 17 December 2008 Review Date: 16 December 2011 Ref: Arrears
More informationSLOUGH 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 informationDealing with Debt. www.waverley.gov.uk/housingoptions
Dealing with Debt www.waverley.gov.uk/housingoptions You Are Not Alone These days, lots of people are in debt for different reasons and many people find their debts difficult to manage. The important thing
More informationGet advice now. Are you worried about your mortgage?
Are you worried about your mortgage? Get advice now If you are struggling to pay your mortgage, or you think it will be difficult to pay more when your fixed-rate deal ends, act now to stop your situation
More informationNorwich 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 informationDEBT 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 informationDEBT DEBT. Dealing with. Self-help guide... abc IN TRAN. www.broadland.gov.uk. communication for all
Self-help guide... DEBT Dealing with DEBT abc www.broadland.gov.uk IN TRAN communication for all Where to get ADVICE on debt problems If you feel that you have money problems that are too difficult to
More informationLondon Borough of Lewisham. Collection Process
London Borough of Lewisham Collection Process Page 1 Introduction 1. The Council has a duty to recover outstanding debts and in doing so we want to ensure that our process is fair to everyone, particularly
More informationAdviceguide Advice that makes a difference
Jargon Buster A Z of financial terms This fact sheet explains some of the financial terms that you might come across when you are dealing with financial matters. ACCOUNT:- this is provided by a bank or
More informationHow to Stop Your Creditors From Not Making Payments
things to know Helping you understand your debt Your questions answered Some common questions Here are the answers to some frequently asked questions that may arise when dealing with your debt. Creditors
More informationREVENUES 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 informationManaging. debt. domestic customers. the collection of. debt for. Our code of practice:
Managing debt Our code of practice: the collection of debt for domestic customers The water services we provide to your property have to be paid for, but we know that finding the money to pay bills can
More informationCode of Practice on Debt Recovery May 2015
Code of Practice on Debt Recovery May 2015 Useful Phone Numbers Questions or Enquiries about your bill or the charges you pay 0800 980 1391 Monday to Friday 8am to 8pm and Saturday 8am to 2pm If you are
More informationDebt Advice Self Help Pack
Debt Advice Self Help Pack Welfare Benefits Information Centre, Town Hall Annexe, Birley Street, Preston, PR1 2QE 1 Are you having problems managing your money and making ends meet? Are you getting letters
More informationCode of Practice on payment and debt recovery
Code of Practice on payment and debt recovery southwestwater.co.uk This Code of Practice applies to domestic customers only. This Code is one of a number of Codes of Practice which have been approved by
More informationRochdale 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 informationSouthend-on-Sea Borough Council. Department for Corporate Services Revenues & Benefits Service. Housing Benefit. A Guide to Overpayments
Southend-on-Sea Borough Council Department for Corporate Services Revenues & Benefits Service Housing Benefit A Guide to Overpayments A guide to Overpayments This leaflet is designed to explain the following:
More informationMERTHYR 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 informationHow To Help The Council With Its Finances
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 informationCode of practice for recovering domestic water debt
Code of practice for recovering domestic water debt Contents 2 What to do if you can t pay your bill 3 How we can help 5 How to pay 7 What if you don t pay the bill or don t keep to an agreement? 9 What
More informationDebt Advice Self help guide
Advice Shop Debt Advice Self help guide If you are having problems with debts, making ends meet and paying your bills, then this guide is for you. It explains the steps you can take to sort out your money
More informationCouncil 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 informationCode of Practice on Payment and Debt Recovery
Code of Practice on Payment and Debt Recovery southwestwater.co.uk Code of Practice on Debt and Payment Recovery In this leaflet we explain our policies if you fall into debt and what you can do to get
More informationwww.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 informationA 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 informationCORPORATE 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 informationSafer Communities Overview and Scrutiny Panel 2 September 2014. Problem Debts and Loan Sharks Update
Safer Communities Overview and Scrutiny Panel 2 September 2014 Problem Debts and Loan Sharks Update 1. Introduction 1.1. The Environment and Safer Communities Scrutiny Panel undertook a review of problem
More informationIf 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 informationFACT SHEET. Money matters. Paying bills
12 FACT SHEET Money matters This fact sheet provides advice and information about how best to manage your money to make it easier to manage your household expenses. It also provides details of agencies
More informationThere are four main areas to look at when you are trying to manage your money more effectively.
Dear Self Help Budgeting Pack Thank you for your interest in our Money Management Advice Service. This pack has been designed to help you manage your money better and re-prioritise your essential expenditure.
More informationAdviceguide Advice that makes a difference
Jargon Buster A Z of financial terms This fact sheet explains some of the financial terms that you might come across when you are dealing with financial matters. ACCOUNT:- this is provided by a bank or
More informationDebt options. What to do if you re having trouble paying your tax on time. IR 582 April 2015. Classified Inland Revenue Public
Debt options What to do if you re having trouble paying your tax on time IR 582 April 2015 Classified Inland Revenue Public Contents About this guide 3 Why paying tax matters 4 Struggling to pay a tax
More informationDebt Advice Self Help Pack. This self help guide has been produced by Croydon s debt advice service.
Debt Advice Self Help Pack This self help guide has been produced by Croydon s debt advice service. July 2014 1 Table of Contents Table of Contents... 2 How to use this pack... 3 Getting more money and
More informationHousing and Public Protection Department. Homeless Prevention ARE YOU A PRIVATE TENANT HAVING PROBLEMS PAYING YOUR RENT?
Housing and Public Protection Department Homeless Prevention ARE YOU A PRIVATE TENANT HAVING PROBLEMS PAYING YOUR RENT? Wrexham County Borough Council's Homelessness Service may be able to help Alternative
More informationMake your budget work for you
Welfare Reform Make your budget work for you www.milton-keynes.gov.uk/welfare-reform Make your budget work for you Why budget It s always a good idea to keep track of your money. Budgeting is keeping track
More informationCouncil 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 informationHow To Be A Good Council Member
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 informationFair 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 informationRevenues' 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 informationCode of Practice on Payment and Debt Recovery
1 Code of Practice on Payment and Debt Recovery 2 In this leaflet we explain our policies if you fall into debt and what you can do to get help and support if you are having problems paying a water bill.
More informationThe Trust. Tenancy Management Policy. Neighbourhood Team. Draft: Final. Effective Date: February 2015. Affected Teams: All
The Trust Tenancy Management Policy Neighbourhood Team Draft: Final Effective Date: February 2015 Affected Teams: All Peaks & Plains Tenancy Management Policy February 2015 Page 1 of 12 TABLE OF CONTENTS
More informationLOAN APPLICATION FORM
LOAN APPLICATION FORM Please use black ink and complete all sections in BLOCK CAPITALS. (For loans fully covered by savings or guarantee, only Parts 1, 3 and 9 should be completed.) If you need any help,
More informationCorporate 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 informationDebt 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 informationCouncil 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 informationCORPORATE DEBT POLICY
CORPORATE DEBT POLICY December 2008 Contents 1. Introduction 2. Background 3. Objectives 4. Code of Practice 5. Implementation and Monitoring 6. Review 1 Introduction Implementing a Corporate Debt Strategy
More informationA Self Help Guide to Money Problems
A Self Help Guide to Money Problems DERBY CITY COUNCIL Money Advice Service If you re in debt and don t know which way to turn, then this guide will help you. Act now! Help yourself by following these
More informationImportant Information to help people in mortgage arrears
Important Information to help people in mortgage arrears September 2015 Talk to your Lender Banking & Payments Federation Ireland represents Ireland s principal mortgage lenders. These lenders are committed
More informationDealing with debt. A guide for customers
Dealing with debt A guide for customers How you can get help Banks are here to help you run your finances smoothly in a complicated world. You can get help in good and bad times. Banks understand that
More informationDisconnection for arrears
Chapter 8.. Disconnection for arrears This chapter covers: 1. When you can be disconnected for arrears (below) 2. Protection from disconnection (p120) 3. Preventing disconnection (p121) 4. At the point
More informationChichester District Council. Corporate Debt Recovery Policy
Chichester District Council Corporate Debt Recovery Policy 1 1. Introduction The Council raises a significant proportion of its total income through local taxes and charges. These sources of income provide
More informationCOUNCIL 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