Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.
The book is easy to understand and clearly explains the rights
a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.
Firstly, a big thanks to Paul (pt2537) who attended court with me today for a set-aside hearing for a Stat Demand issued by the above eejits.
We won!!!!!!!
My costs weren't awarded (booooo!) but Paul's were at legal type levels. The argument was that you either pay the litigant in person or their representative.
The set-aside was granted and the morons had to pay for a local geek to turn up (at the last moment) to argue about costs... I suspect that had they not contested my costs that it would have cost them much less
The judge was heavily critical of their behaviour and this will have cost them MUCH more than they bought the alleged debt for. Complaints to the relevant regulatory bodies will now follow.
They've tried all sorts of dodgy tricks since the SD was issued and they've been caught out. They even lied in court about an alleged agreement to bear costs for the set-aside.
aye it twas fun, lets hope they dont pay up then we can send the bailiffs in and start committal proceedings to have the top man at 1st Banged up for contempt of court
It was a set aside for a Statutory Demand ... we were after the set aside and costs (& we mostly got both) + we got formal recorded criticism of the opposition.
Basically, they lost very heavily in this case.
They throw these things around like confetti and it's a scary prospect that they're effectively threatening bankruptcy.
It was a set aside for a Statutory Demand ... we were after the set aside and costs (& we mostly got both) + we got formal recorded criticism of the opposition.
Basically, they lost very heavily in this case.
They throw these things around like confetti and it's a scary prospect that they're effectively threatening bankruptcy.
Well done to you both
Excellent
I bet you were chuffed when you walked out of the Court !!! ;-)
NEXT - sent CCA request - 15/01/09 - not received
Capital One - sent CCA request - 15/01/09 - received CCA and also offer of £67 which I am not accepting.
NatWest - sent s.77 letter complaining about default on file 15/01/09 - *WON* Default removed within a fortnight!!
NEXT - 7/02/09 - sent further letter reminding them of breach of DP
Cap1 - 7/2/09 - Accept part payment/reminder of default to be removed
Well done to Paul more like ... he did all of the professional representation. I've never heard the word 'sir' used in a room so many times in such a short space of time
It's the first time I've ever been in a court with my arse on the line too ...
To be honest I feel fairly flat about this right now (as well as a little tired, I didn't sleep too well last night). No matter how you try to not let this stuff get to you it does.
I don't have the vocabulary to properly express the contempt that I have for Connaught and 1st credit. They tried (and failed) to put me through hell.
All I can really add is that no matter how bad it seems it's always worth fighting these people in the hope that they'll lose and end up paying for being bullies.
I hope my journey to date adds to the body of experience of all those others on here and encourages people to take these parasites on. They feed on indimidation and scare tactics.
Everyone that uses this site also deserves to be part of this minor success. You've all had your own part to play. Thanks.
Well done to Paul more like ... he did all of the professional representation. I've never heard the word 'sir' used in a room so many times in such a short space of time
It's the first time I've ever been in a court with my arse on the line too ...
To be honest I feel fairly flat about this right now (as well as a little tired, I didn't sleep too well last night). No matter how you try to not let this stuff get to you it does.
I don't have the vocabulary to properly express the contempt that I have for Connaught and 1st credit. They tried (and failed) to put me through hell.
All I can really add is that no matter how bad it seems it's always worth fighting these people in the hope that they'll lose and end up paying for being bullies.
I hope my journey to date adds to the body of experience of all those others on here and encourages people to take these parasites on. They feed on indimidation and scare tactics.
Everyone that uses this site also deserves to be part of this minor success. You've all had your own part to play. Thanks.
Well both you and Paul have done really well.. it's one fight over, and won and good for everyone to read about
This site is excellent, and all the 'Won' posts keep people motivated and continuing with their own journeys
So chin up, it's Friday night... get yourself a cup of your preferred and try and relax xxx 8)
What's next on your 'battling the bullies' programme?
NEXT - sent CCA request - 15/01/09 - not received
Capital One - sent CCA request - 15/01/09 - received CCA and also offer of £67 which I am not accepting.
NatWest - sent s.77 letter complaining about default on file 15/01/09 - *WON* Default removed within a fortnight!!
NEXT - 7/02/09 - sent further letter reminding them of breach of DP
Cap1 - 7/2/09 - Accept part payment/reminder of default to be removed
BANK CHARGES
Nat West Bus Acct £1750 reclaim - WON
LTSB Bus Acct £1650 charges w/o against o/s balance - WON
Halifax Pers Acct £1650 charges taken from benefits - WON
LTSB Pers Acct - £2K charges, £1K o/d - Rob Way latest DCA
DCAs
Lowells/Capital One - no CCA - gone away £1500
Lowells/MBNA - no CCA - gone away £10K
Abbey - no CCA - £3.5K
CL Finance - 3 court claims re GE storecards 2 withdrawn, 1 hanging by a thread
Hillesden/DLC re Barclaycard - ongoing battle re validity of CCA - £3.5K
Clydesdale - charges more than balance - valid CCA:o - onto 4th DCA so far
LTSB card - £7K - no CCA - destroyed after 6 years! - latest DCA - AIC
Others
GE Money sec loan - £1900 in charges - settlement agreed
GE Money sec loan - ERC of £2.5K valid for 15 years - on standby
FirstPlus - missold PPI of £20K for friends - WON
BANK CHARGES
Nat West Bus Acct £1750 reclaim - WON
LTSB Bus Acct £1650 charges w/o against o/s balance - WON
Halifax Pers Acct £1650 charges taken from benefits - WON
LTSB Pers Acct - £2K charges, £1K o/d - Rob Way latest DCA
DCAs
Lowells/Capital One - no CCA - gone away £1500
Lowells/MBNA - no CCA - gone away £10K
Abbey - no CCA - £3.5K
CL Finance - 3 court claims re GE storecards 2 withdrawn, 1 hanging by a thread
Hillesden/DLC re Barclaycard - ongoing battle re validity of CCA - £3.5K
Clydesdale - charges more than balance - valid CCA:o - onto 4th DCA so far
LTSB card - £7K - no CCA - destroyed after 6 years! - latest DCA - AIC
Others
GE Money sec loan - £1900 in charges - settlement agreed
GE Money sec loan - ERC of £2.5K valid for 15 years - on standby
FirstPlus - missold PPI of £20K for friends - WON
Well done to Paul more like ... he did all of the professional representation. I've never heard the word 'sir' used in a room so many times in such a short space of time
He calls me that all the time
Any advice I give is honest and in good faith.
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Help keep it up and active, helping people like you.
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BANK CHARGES
Nat West Bus Acct £1750 reclaim - WON
LTSB Bus Acct £1650 charges w/o against o/s balance - WON
Halifax Pers Acct £1650 charges taken from benefits - WON
LTSB Pers Acct - £2K charges, £1K o/d - Rob Way latest DCA
DCAs
Lowells/Capital One - no CCA - gone away £1500
Lowells/MBNA - no CCA - gone away £10K
Abbey - no CCA - £3.5K
CL Finance - 3 court claims re GE storecards 2 withdrawn, 1 hanging by a thread
Hillesden/DLC re Barclaycard - ongoing battle re validity of CCA - £3.5K
Clydesdale - charges more than balance - valid CCA:o - onto 4th DCA so far
LTSB card - £7K - no CCA - destroyed after 6 years! - latest DCA - AIC
Others
GE Money sec loan - £1900 in charges - settlement agreed
GE Money sec loan - ERC of £2.5K valid for 15 years - on standby
FirstPlus - missold PPI of £20K for friends - WON
Delfi vs 1st Credit & Connaught - WIN!
hearing for a Stat Demand issued by the above eejits.
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Originally Posted by Delfi101
