consumer forums consumerforums Total Bank Charges Returned : £16595128 to 9717 people. The Consumer Forums  
Bank Charges Refunds Survey | 'Buddy' System | Get an email address | Site Map | Registration Problems | FAQ
CAG Products - We think that these will help you to make your claim or Reclaim your Right

These sales also help us to keep helping YOU and keeps this site free of third party adverts!

Small Claims Kit Small Claims Court Guide
**New Edition**
CallBurner - Skype
CallRecorder Review
Last Will & Testament Kit Fight a Motoring Ticket
 
Alternatively you could purchase a CAG email address here, or maybe you'd prefer our address labels here


UPDATE: Consumer Forums ConsumerWiki is now LIVE - click here: ConsumerWiki

N.B. Please note - due to postage costs these products are only available in the U.K.



Consumer Action Group envelope labels
You are part of a community of over 195,000 people.
Let your bank know that you won't give in.
Display one of our labels on your envelopes.
Full description here
Sheet of 20 self-adhesive envelope labels
£3.50 inc p&p





Reclaim the Right!
The Lawpack Small Claims Kit contains everything you need to get your bank charges refund. Sample forms, Instruction manual, template forms and an entire set of court forms in .PDF format on CDRom.

Just type in the details of your claim and print them out.


Reclaim the Right!


Sue your bank as often as you like with one Lawpack!!

With a Lawpack and Patricia Pearl’s book on Small Claims, you have everything you need to get your unfair bank charges refunded or assert other consumer rights.
(England & Wales only)

CAG Forum Users Price £11.99
(click image to buy)
Plus £1 P&P



Reclaim the Right!


New Edition
Small Claims Procedure by Judge Patricia Pearl
An excellent guide for the layperson
Not for use in Scotland
Read BF's Review Here




Stand up to Telephone Harassment

If you use Skype -
Record your phone calls with CallBurner
It's Hot!

Click below to download your
14 day trial copy
CallBurner
Skype CallRecorder download


Read the
Explanation and review here
£31.96 - includes 20% CAG discount
(normally £39.95)

We've managed to negotiate a discount for CAG Users on DIY 'Willpacks'


Click on the image to purchase a Wills kit - £12.99 + £1.00 pp

Remember...you can't take your reclaimed bank charges with you ;-)



Do your Internet search here



Reclaim the Right Ltd. - reg.05783665 in the UK
reg. office:- 923 Finchley Road London NW11 7PE
Do your Internet search here:-

  CAG Announcements
 
Welcome Guest
Please register
Registration is free
There are no charges for using any of the facilities of this website.
If this is your first visit, be sure to check out the FAQ. You will have to register before you can post. To start viewing messages, select the forum that you want to visit from the selection below.
You will also have to register to access our template letters and claims forms
registration is free
Are you being threatened over debts more than 6 years old?
This may be unfair
See our new Unfair Trading Guide
Bought an extended warranty?
Not satisfied?
The warranty may be an example of unfair trading
See our new Unfair Trading Guide
Have you been defaulted?
Would you like to clean up your credit file?
Check it out
Are you a victim of unfair trading?
Check it out
The Consumer Protection from Unfair Trading Regs 2008
Have you been defaulted?
Would you like to clean up your credit file?
Check it out
 
Bank Action Group Debt Action Group
 

Go Back   The Consumer Forums > The Consumer Forums
Debt Action Group > Bailiffs and Sheriff Officers

Bailiffs and Sheriff Officers Your rights when dealing with bailiffs and sheriff officers


Welcome to The Consumer Action Group

and
The Bank Action Group


Before beginning to claim your bank charges be sure to read the FAQ by clicking the link above. Read it carefully and also read as much of the forum material as you can manage before you start claiming your bank charges refund. You will have to register before you can post or view the materials which may assist you in reclaiming your penalty charges: click the register link above to proceed. To start viewing messages, select the forum that you want to visit from the selection below. Understand what you are doing and you will be able to Reclaim the Right more effectively.

Why don't you come and introduce yourself in the Welcome section at the top of the forum. Then have a look around the rest of it.
Do not post or start claiming until you have read the entire FAQ section and step by step guides and you have a good basic idea of what to do and of the layout of the forum.
Good luck claiming your bank charges.
We strongly suggest that you register under a UserID and not your own name

Reply
 
LinkBack Thread Tools
Old 15th February 2008, 00:42   #1 (permalink)
emergency999
Basic Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Feb 2008
Posts: 1
emergency999 Novitiate
Default How scared should I be?

I'm so worried. I came home yesterday to a formal letter in my letter box - no envelope - from a company called Sherforce. It is titled NOTICE OF LEGAL CONTROL OF GOODS. It mentions High Court and Notice of Seizure. It states that it is for an old water bill which must be for an old address. I knew this was outstanding last year and honestly thought it had been paid off last September. When I looked for proof I relaised it was my electricity that I had paid off in full and not Water!!!


I called Anglian Water today and they said the old debt was for £711 but it was no longer their debt and I should call a company called Incap who are now managing the debt...but this letter is from Sherpa and they want £1,681 or they will take control of my goods.

I live alone with my two year old little boy so I can't even tell them my stuff belongs to anyone else!

At a push I could scrape together the £711 tomorrow but I'm not sure how to give it to Anglian Water as the lady today said they will not accept any payment....


Does anyone have any suggestions as to what I should do, I feel so frightened!
emergency999 is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 15th February 2008, 07:55   #2 (permalink)
loyalbrummie
Gold Account Customer
 
loyalbrummie's Avatar
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Aug 2006
Posts: 476
loyalbrummie Novitiateloyalbrummie Novitiate
Default Re: How scared should I be?

Ring up Anglican water offering the full payment , if they refuse then ask for a letter from them pointing out why they will not except the payment , DONT pay the bailiff they are just scum , if one turns up on your door then ring the police and explain that there is only you and the nipper in the house and that there is a man at your door who you do not know who is being very aggresive .
The DCA will continue to harrass you im afraid but thats what they do , each time they do dont be scared , keep on ringing Anglican offering them the full payment , in the end theyim sure they will accept .

Im no expert in these matters and these are just my views , but maybe one of the more learned members of the board will give you more advise .

There is a letter on here to send to the bailiff il try and dig it out for you .
here it is , get one of these sent off to the DCA

Dear xxxx

Account Ref xxxx

Please be advised that I will only communicate with you in writing. I have noted your repeated attempts to contact me by telephone over the past few weeks/months and these have been duly logged by time and date.

Furthermore, should it be your intention to arrange a “doorstep call”, please be advised that under OFT rules, you can only visit me at my home if you make an appointment and I have no wish to make an appointment with you.

There is only an implied license under English Common Law for people to be able to visit me on my property without express permission; the postman and people asking for directions etc (Armstrong v. Sheppard and Short Ltd [1959] 2 Q.B. per Lord Evershed M.R.). Therefore take note that I revoke license under Common Law for you, or your representatives to visit me at my property and if you do so, then you will be liable to damages for a tort of trespass and action will be taken, including but not limited to, police attendance.

Yours faithfully/sincerely
loyalbrummie is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 15th February 2008, 09:12   #3 (permalink)
tomtubby
Platinum Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: May 2007
Posts: 1,403
tomtubby Informativetomtubby Informativetomtubby Informative
Default Re: How scared should I be?

The best person to ask for advice is CourtOfficerSpeaks.

Send him a message and he will help on this one.
tomtubby is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 16th February 2008, 22:09   #4 (permalink)
CourtOfficerSpeaks
Basic Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Feb 2008
Posts: 117
CourtOfficerSpeaks Novitiate
Default Re: How scared should I be?

Firstly the bad news....

1. Yes they probably have a high court writ against you (a CCJ transferred up for a fee, payable by you unfortunately; that's aswell as your County Court fees and the initial debt plus the company itselfs late charges etc).

2. This DOES entitle them to seize and remove assets from your address (legally) (but it would never happen!).

3. If you do not pay the debt and you DO owe it, the CCJ will simply remain on your record t(then we get onto the 6 year rule blah blah blah......)

4. The fees & the intitial debt are all owed to the High Court officers (Sherforce) and these will all be payable if you wish to remove the judgement. (BTW, if you DO pay it. Pay it to Sherforce, NOT TO THE CLAMAINTS!) This happens so much, the solicior will still bill you for the sheriffs fees in the end. They still get them anyway whether it be through the solicitors or direct. Best to pay it direct as you'll get your Satisfaction Certificate faster

Now the good news....

1. They CAN'T break into your house in anyway. Firstly they wouldn't anyway unless you live in a mansion because they wouldn't get any money and secondly because they haven't levied inside the house.

2. If they ever turn up DO NOT let them in, refuse entry and tell them you have done so just to ensure nothing else happens in the long run.


Where i work - we do get sick of people always relying on the county courts to bail them out when we're out trying to enforce writs. However, in this case i would recommend if you DO NOT wish to pay this because you feel they don't have a case you should do the following....


1. Apply to county courts for set aside judgement (Make sure you apply for a "stay of execution" too else we can still turn up!)

2. Tell them you will forward them the hearing date as and when it arrives. P.S it might if possible be best to pay it anyway to reduce interest payments and costs in the long run, a judge can always rule for a reufnd if necessary.

3. you'll get the "stay" quite quickly if you pester enough, this will "help you sleep" knowing even if officers did try anything, there is a now court order in place!

-------------------

Now if you aren't too concerned about doing all that and you just want to forget it, i can assure you nothing more than a few more visits and phone calls will occur. Then it will be referred back to the solicitors and Sherforce will get an abortive fee of about £80

Whether the costs are high in getting a property order i don't know so i can't say for sure if this would even be an option. i'm a court officer not a solicitor

Hope that sort of gives you a bit of a clearer path.

If you don't owe it though and you set the judgement aside, all costs are refunded that are paid to Court Officers.


Last edited by CourtOfficerSpeaks; 21st February 2008 at 22:38.
CourtOfficerSpeaks is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 17th February 2008, 00:59   #5 (permalink)
tomtubby
Platinum Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: May 2007
Posts: 1,403
tomtubby Informativetomtubby Informativetomtubby Informative
Default Re: How scared should I be?

Very helpful advice on an area of debt that I am sure we will see more of this coming year.

Thank you!!!
tomtubby is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Reply



Thread Tools


Similar Threads
Thread Thread Starter The Consumer Forums Replies Last Post
Please Help, Im getting scared! Phh Bear HSBC Bank 31 5th July 2007 16:08
Am Scared lilly_kitt Lloyds Bank 7 26th May 2007 16:21
Too scared HELP! sodze Halifax Bank and Bank of Scotland 16 7th January 2007 04:14
I'm Scared Pattie1968 Lloyds Bank 21 8th November 2006 14:37
Hi, New, Scared, Help!!! fallen7682 Welcome to the Consumer Forums 2 17th September 2006 13:48




Do your Internet search here:

The Consumer Action Group and The Bank Action Group are registered trademarks
Reclaim the Right Ltd. - reg.05783665 in the UK reg. office:- 923 Finchley Road, London, NW11 7PE

Search Engine Friendly URLs by vBSEO 3.0.0 RC6 © 2006, Crawlability, Inc.