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.
Ive Just called MSB Solicitors for advice on my case, Spoke to a really helpful lady who informed me they are not taking on anymore CCA cases until they recieve feedback from the Manchester cases. She started to ask how far I was with my case, I explained that I'd put the "Account in Dispute" she Informed me that I must keep paying and welscum are entitled to chase and basically do whatever they want. In her words she said "Accounts in Dispute" stands for nothing no more and to be very careful.
Im no expert on here Im just passing on what the lady said but I think this has been proven by recent events on here.
sounds about right from what Mark pointed out re: manchester case just means they cant 'enforce' but can still chase
I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS.
If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other
As I have said previously on this site. The Funding Corporation got a charging order on my house even though there was no paperwork. They could not find the agreement and I did not ever receive a copy myself. The judge awarded the order stateing that there must of been a CCA originally otherwise TFC would not of lent me the money!
Advice & opinions given by patrickq1 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
question what is classed as enforcement? obviously court but what about repossession and such?
I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS.
If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other
No I did not appeal as it was before I found CAG
We ended up remortgaging and paid them off.
If only I knew then what I know now
YES IT IS WORTH APEALING THIS EVERYONE IS ENTITLED TO A FAIR HEARING YOU WERE SHAFTED BIGSTYLE,,YOU COULD ALSO GET BACK WHAT YOU PAID PLUS INTREST GO FOR IT YOU REALLY WILL GET ALL THE HELP YOU NEED
Advice & opinions given by patrickq1 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
but they can repo on a hp without a court order if less than a 1/3 has been paid how does that stand?
*loving the mental image of red faces lol*
I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS.
If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other
thats no diff to what its always been.
they are entitled to chase , always have been, even the fos say this.
however, they cannot go to court, no paperwork simple.
This being the case then we should not really be sending the account in dispute letter, certainly not now with the below statements in.
You may not demand any payment on the account, nor am I obliged to offer any payment to you.
You may not add further interest or any charges to the account. You may not pass the account to a third party. You may not register any information in respect of the account with any credit reference agency. You may not issue a default notice related to the account.
I am a consumer helping other consumers. Together we can and will make a differance. Please double check any information or advise I may give as I like yourself am learning as I go along in life.
1) give a small donation to this site to keep it going because without this forum I would know nothing.
2) Use your experience to help somone else on another thread.
Please do not PM me, my mail address is my username at this site address . I will not under any circumstances give out advise or help through mail, only on the open forum, however feel free to mail me to point me towards your thread and general talk etc.
In my opinion no they cannot, and if they did I would certainly not recognise them as any company that I needed to deal with. this is an edited acc in dispute I did for somone. But I really need to go through this properly and get a new dispute letter with all the correct info in as the current one seems to be outdated.
I am a consumer helping other consumers. Together we can and will make a differance. Please double check any information or advise I may give as I like yourself am learning as I go along in life.
1) give a small donation to this site to keep it going because without this forum I would know nothing.
2) Use your experience to help somone else on another thread.
Please do not PM me, my mail address is my username at this site address . I will not under any circumstances give out advise or help through mail, only on the open forum, however feel free to mail me to point me towards your thread and general talk etc.
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 have got an appointment tommorow 11am with a sol and a barrister, they asked me if the vehicle had been repossessed (i said yes it has "26-02-10). the barrister said (in his words) well that is a definate case of enforcement, i faxed them the default notice and the termination notice (all 3 of them), i heard the sol say "oh sh*t" the barrister came back to me and said we will take it on pro bono, they have well and truly boo bood.
sounds like repo is "enforcement"
i'll come back 2moro and let you know what he says.
cab
Cab1ne-Lombard-Shoosmiths **Claim Recieved** http://www.consumeractiongroup.co.uk...ieved**/page25 Summary Judgement 01/02/2011 **REFUSED** set for trial "May 23rd To June 30th 2011" DISCONTINUED 3rd MAY 2011 **WON**
Thank you tons cab that would be most helpful I have subbed to your thread in repo's today following the bathplugs coming and collecting our car this morn
I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS.
If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other
Thank you tons cab that would be most helpful I have subbed to your thread in repo's today following the bathplugs coming and collecting our car this morn
so they eventually took it then. "wan%%ers"
cab
Cab1ne-Lombard-Shoosmiths **Claim Recieved** http://www.consumeractiongroup.co.uk...ieved**/page25 Summary Judgement 01/02/2011 **REFUSED** set for trial "May 23rd To June 30th 2011" DISCONTINUED 3rd MAY 2011 **WON**
they did, they are and they WILL pay!!!
why oh why dont they offer legal aid easier on these topics could easily pay it back out of whatever you are awarded
I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS.
If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other
Accounts in Dispute..Beware
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Originally Posted by wino
say this.
could easily pay it back out of whatever you are awarded 