Stubborn as usual

Stubborn

We all know how stubborn Nemesis45 can be, how he must have the last word and how he never admits to being wrong. No surprises there. What is a bit of a surprise is to see him advising on council tax matters. We have all grown accustomed to his annoying presence amongst the debt and court threads, which he considers his territory.

Here the OP says that her husband has an outstanding council tax debt and the specific question is whether she should supply her salary details when her husband makes a repayment offer to the council: Can council demand my salary details. As usual, Nemesis doesn’t answer the actual question and chooses to take his usual tough guy, macho approach, and says that the OP has no liability for her husband’s council tax because it dates back to a time they were not yet living together.

This may look like sound advice, however, council tax is a priority debt and councils don’t follow the usual process other debtors have to follow, of obtaining judgment against you in the county court. They usually obtain a liability order from the Magistrates’ Court and that allows them to enforce the debt in various ways. Most commonly, they will use bailiffs.

Anyone who’s read any of the many bailiff threads around will know that, once bailiffs get involved, what started out as a small debt can increase very quickly with all the added fees. There are a number of forums that deal specifically with bailiff issues and the subject of council tax recovery alone has generated thousands of posts and has been the subject of much argument.

In addition to bailiffs, councils can occasionally send people to prison. They can obtain a charge on your home and, if the debt is large enough, they can also make you bankrupt. The debt may not be the OP’s but any of these enforcement methods will have a significant effect on the debtor’s spouse. Husband and wife would share household items and you wouldn’t want bailiffs taking control of your car or any of your possessions, nor would you want your husband to be made bankrupt and possibly lose your home, or have a charge on a property you jointly own.

Debt Camel is a well known debt advisor. Unlike Nemesis45 who makes up qualifications and experience as he goes along, she is a longstanding CAB volunteer. This is her website: Debt Camel.

On this thread, Debt Camel points out the potential issues for the OP, but Nemesis won’t have any of it. He insists that it’s not the OP’s debt. Debt camel tries again to show how the OP can be affected by the actions the council could take against her husband, Nemesis still refuses to budge and goes on to say “You cannot be held liable”. Nobody’s saying the OP is liable, just how living with someone who is liable can affect you too. The OP never asked whether she was liable, just whether she should provide her salary details. Debt Camel’s remarks regarding a joint resolution to this issue are spot on.

 

4 Comments

  1. Flaming Parrot says:

    That’s very much what he would do on most threads, he always had to have the last post and would not admit to being wrong or mistaken. He’s being stubborn but rather polite with Debt Camel though, he was much worse with me. :( Having read the post about his teenage grandson, it may have been him who posted all the abuse towards me, it always sounded more like the work of a naughty schoolboy rather than a grown up man with 40 years experience doing whatever it is he wasn’t doing all those years.

  2. Jon says:

    I will admit to not always agreeing with debt camel and some of her cab style advice BUT what good will it do the op if hubby gets sent to prison or the bailiffs turn up. Ok I know that they can’t take things that belong to her, but much better to avoid having to have that argument. It’s a bit like I was told a long time ago, better to stay out of court than have to defend a claim.

    I really can not believe it

    I also find it hard to believe how a rabid right winger even wants to help people, not the normal M.O.

    • Agent 99 says:

      I will admit to not always agreeing with debt camel and some of her cab style advice

      Yes, that approach isn’t always ideal, for example, suggesting a DRO for a debt of under £3,000 just to “avoid stress” is a bit radical. However, these are non priority debts. Priority debts like council tax have to be dealt with in a more conventional, and you may say “CAB style”, way.

      what good will it do the op if hubby gets sent to prison or the bailiffs turn up. Ok I know that they can’t take things that belong to her, but much better to avoid having to have that argument.

      Imprisonment for council tax is unusual but not impossible. When you live like husband and wife, there isn’t always a clear division between “his and hers”. What if they share a car? Much better to deal with the debt together rather than saying: “it’s not mine”.

      I also find it hard to believe how a rabid right winger even wants to help people, not the normal M.O.

      It’s clear he’s not got much of a life outside the fora, and it’s also obvious he needs to feed his ravenous ego. If he went down the pub, would anyone give him the time of day? Probably not. They’d probably do what everyone does when they see Hyacinth Bouquet approaching. On LB, he’s thanked and revered throughout the day.

  3. Agent 99 says:

    The OP has come back to say what we’d been saying all along: that the question was about whether she should disclose her salary, not about the debt itself. She was obviously exasperated, poor thing, after all the pointless argument instigated by Nemesis45 for the sake of making a point and feeding his ego.


    His response was very typical of him: saying that people “over complicate a simple situation”. This always seems to be his view whenever others disagree with his arguments, or post something different. In fact, if anyone complicated a very simple situation, it was HIM, by going on about liability for the debt as opposed to simply answering the question. Will he ever learn? No, he is living proof that old dogs don’t learn new tricks.

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