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.
This website has been a lifeline for me over the last few months. I've read avidly and learnt so much from other people's experiences and from the advice posted.
I'm currently managing my "relationship" with rossendales and have managed to survive this far without too many hiccups. Empowered by knowledge gained here, I've stood my ground, kept my doors and windows locked, parked my car miles away , have sent out the requisite standard letters (found on here) and, finally, have sent my first payment directly to the Council via online payment completely bypassing rossendales. I'm sure Rossendales will discover this fact soon if, indeed, they haven't already.
The computer-generated letters from Rossendales were becoming more and more "assertive" and despite my advising them in writing that hell would freeze over before they crossed my threshold and paying them what I thought was a "reasonable and sustainable" amount each month to cover outstanding Council Tax from 2006, they still insist on demanding "full payment" in contravention of the OFT guidelines. However, thanks to everyone here, I feel as if I'm back in control of the situation and can sleep nights.
bailiffs are indeed paperless, powerless tigers - but, unfortunately, like mosquitos they do need to be controlled cos they're pesky!!
7. Thinking of a Full & Final Settlement?Read Here
my views are my own...seek legal advice if ness
NEVER EVER - act on a private message asking you to visit another website, make contact 'off list' or by telephone
- alert the siteteam IMMEDIATELY by hitting the black warning triangle on any message - Particularly if this results in a request to pay a fee to help you.
rather than hittting to be my friend - hit the star
DCAs and bailiffs have become my whole new world! Sorry, I totally realise that there's no link between them when it comes to Council Tax arrears and it might appear confusing - but at the moment my life is plagued with DCAs and bailiffs!
7. Thinking of a Full & Final Settlement?Read Here
my views are my own...seek legal advice if ness
NEVER EVER - act on a private message asking you to visit another website, make contact 'off list' or by telephone
- alert the siteteam IMMEDIATELY by hitting the black warning triangle on any message - Particularly if this results in a request to pay a fee to help you.
rather than hittting to be my friend - hit the star
Hi Impecunious,
Your situtation sounds similar to mine, in that my life seems to be a constant drag of dealing with DCAs and bailiffs so I zoomed in on your title as I feel exactly the same. There's no "link" between the two but they can both make your life a misery, but now, thanks to this site, I don't allow them to have so much control.
I suppose I'm saying that this site, and the people on it offering advice and encouragement is a godsend.
Keep going, we'll get there in the end
And thanks to all you lovely people who make this site possible.
Thank you for your support Eliza!! Much appreciated. I hope you manage to keep head above water!
The DCAs and the bailiffs are really just a side-show - my main focus is on trying to mitigate the amount of damages in a personal injury claim against me - they're looking at £30,000-£50,000 plus legal costs. Hence my name on here "impecunious" -- modest income, no assets, no insurance cover. Dead in the water really - no hope of ever being able to satisfy any judgment against me but just hoping to survive the ordeal of going to court again.
the bailiff is probably one of the only ppl that can help you....
I havn't laughed so much in years!
I have lost count of the times I have put a bailiff in front of the judge for cheating a debtor with his fees. All it takes is a conviction under the 2006 Fraud Act and that's one more criminal taken off the streets, just having him brought in for questioning by police puts his DNA on police files.
Impecunious, id hate to live my life like that, hiding my car and not having windows open etc.....
try dealing with the problem, the bailiff is probably one of the only ppl that can help you....
Haha! The only time the words "bailiff" and "help" appear in the same sentence is when the sentence is along the lines of "...bailiff helped himself to cash/property for personal gain...". Bailiff = Fraudster with a badge, DCA = Fraudster who thinks he has a badge....
7. Thinking of a Full & Final Settlement?Read Here
my views are my own...seek legal advice if ness
NEVER EVER - act on a private message asking you to visit another website, make contact 'off list' or by telephone
- alert the siteteam IMMEDIATELY by hitting the black warning triangle on any message - Particularly if this results in a request to pay a fee to help you.
rather than hittting to be my friend - hit the star
Impecunious, id hate to live my life like that, hiding my car and not having windows open etc.....
try dealing with the problem, the bailiff is probably one of the only ppl that can help you....
BLF, next you'll be telling me to:
park my car outside my house
throw the windows wide open
unlock the front door
invite the bailiffs inside for freshly-brewed tea and home-made chocolate cake with double whipped cream filling,
have a civil and satisfyingly stimulating discussion agreeing to a mutually convenient and realistic, sustainable weekly payment arrangement on which they won't renege, and
quietly agree to signing a walking possession listing completely exempt items.
The bailiffs would then be so compliant after breaking bread with me that they would quite conveniently forget to:
levy on the very few personal possessions of sentimental value I do have
charge me extortionate and unlawful fees on my landlord's furniture and the items my children have temporarily stored here whilst they're on their foreign adventures, and
resist the temptation to exceed their rather-limited powers!
They would also manage to:
conduct their business without reverting to threatening and intimidating behaviour, and then we could establish polite and regular phone sex <LOL> I mean communication.
In your dreams BLF!
I rather like parking the car away from the house: it encourages me to keep fit by having to walk that extra kilometre to pick it up before work and its great for the figure.
In this weather, closed windows and doors help keep the ground floor cool, prevents ultra-voilet light damaging my landlord's furniture and pictures, and encourages my tomato plants to flourish.
Not phoning the bailiff saves me on phone bills and allows me to buy better quality toilet-paper.
Paying the Council direct is good for the soul -- cuts out the middle men and prevents the bailiffs from becoming even more egotistical and selfish.
Ignoring the door means that I can have a nap after work in peace and quiet and when 9.00 pm comes -- I can get up and enjoy my evening meal without interruption and get on with my household chores as I have a tendency towards the nocturnal.
Receiving their regular phone calls and letters reassures me that I'm "special" and not forgottten -- a girl can never have enough attention!
Then on Sundays, I can have my day of rest and thank the Lord that I've survived yet another week and kept the CAGs 10 commandments!
BLF, it's no real hardship - honestly! Bailiffs aren't just for life .... they're just til they get fed-up getting nowhere and hand the file back to the Council - who, incidently, received my first payment by electronic transfer last month!
I am dealing with the problem BLF and managing rather well by all accounts but if you'd like to offer any further, meaningful advice, I'm all ears!
When the Liberals and Conservatives were in opposition they both agreed that banks should pay back high bank charges to customers. Nothing seems to of happened since they came into power as a coalition. PPI insurance has been sorted now they should turn their attention to bank charges and help customers get exorbitant charges refunded.
Should you be offered help that requires payment please report it to site team.
Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007
Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06
Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007
Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.
7. Thinking of a Full & Final Settlement?Read Here
my views are my own...seek legal advice if ness
NEVER EVER - act on a private message asking you to visit another website, make contact 'off list' or by telephone
- alert the siteteam IMMEDIATELY by hitting the black warning triangle on any message - Particularly if this results in a request to pay a fee to help you.
rather than hittting to be my friend - hit the star
I must remeber to send off that bailiff's job application form.....
You will not be accepted as you can spell and use proper english! (you are not allowed to know the difference between defamation and deformation)You are not related to ostrich either, so you're out l'm afraid.
GR
DCAs and Bailiffs - a whole new world!
and have managed to survive this far without too many hiccups. Empowered by knowledge gained here, I've stood my ground, kept my doors and windows locked, parked my car miles away
, have sent out the requisite standard letters (found on here) and, finally, have sent my first payment directly to the Council via online payment completely bypassing rossendales
Reply With Quote
Re: DCAs and Bailiffs - a whole new world!
Originally Posted by BLF
