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    • Update! I have now opened the mail from Barclaycard. I am assuming that their letters were prompted by my confirmation to them of my change of address, which I had advised them of twice. They are treating my change of address notification as a "General Data Protection Regulation Right of Access Request"  and state that I have made a "Right of Access Request. They are asking me to provide valid indentity documents! I have made no such request and am minded to ignore their request for extra information? I should add that their letters were sent to my correct current address!
    • Are you allowed to appeal if you plead guilty?   I know you appeal the sentence, but the criminal record formed from your guilt would surely remain?   I'm not sure if your able to appeal a crimianl record if you plead guilty are you?
    • DX: I did not pursue Link after I got the CCJ amended to monthly payments. Pretty sure the CCJ does not mention reviews, I do have the CCJ somewhere, I will have to look it up in storage. It is as mentioned on the thread you referenced  in your post #28. The Barclays loan was taken out in September 2004 for 60 months! Current Balance remaining approx £2K. On checking back my past correspondence with Barclaycard about this loan, there was a history of them ignoring my letters and offers to pay, and I even had problems in obtaining their bank account details for them to accept my payments! I have received strange correspondence from them too, one referring to insurance which I did not have. They seem very disorganised! Barclaycard told me to pay "Masterloan" a while back and I now receive regular statements and arrears notices from "Personal Loans from Barclaycard" clearly marked Masterloan, they changed the account reference number! I have never requested a CCA on this account. I advised them of my change of address last September, but they are still sending, until today, statements etc. to my old address! I have received 2 letters from Barclaycard Loan today though, not opened them yet!!
    • Yes, a few months ago. They wrote back saying there was no CCA and the debt was unenforcable. I then started gtting bombarded with threatening emails from their 'litigations team' which have been sent to spam. I've now recieved the letter before claim with the PAP form enclosed, but still no CCA or even a letter from them to say the debt is deemed enforcable. Thank you.
    • That's a shame but not unexpected.  I'm not sure about your assumed  questions because I haven't been to court but I'm not sure about not accepting a criminal record. It could be a language thing but it isn't your choice unfortunately.  HB
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JBW bailiff forced me to pay - can I do anything


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A couple of weeks ago a JBW bailiff visited my friend around 7:20 in the morning saying he had a warrant for some unpaid parking penalty.

 

Without asking permission he entered the flat.

 

As my friend doesn't speak english too well and was not aware of the situation

 

he let the bailiff in and called his 16 years old daughter to interpret.

The bailiff demanded instant payment of £400 - £700 in different moments of conversation.

 

He was not willing to deal in any way, refused to leave and kept on asking for payment.

 

Asked if he can come another time he said no.

 

Asked for instalments he refused as well and threatened the family that he will take away the car or he will put my friend to jail.

The whole situation lasted around 40 minutes within his wife, 16yo and 3yo daughters was present.

They started crying and stuff and eventually my friend was forced to pay £570 with his credit card on the spot.

He only showed the warrant on his mobile device and never left any copy of it.

 

He left hand written notice of seizure and a receipt only.

 

We read different sources and we are sure he breached his competence.

 

Now we do not really know where to start and what to do.

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This is story repeated every working day. Early morning call (steel capped shoes kicking the door?), Bailiffs have adopted the unlawful assumption that they can flash a PDF copy of 'warrant' that was recently typed out in their office on commercial software.

 

Its a con. There is no legislation that allows this.

 

There is legislation that requires the local authority to print a warrant within 7 days of its authorisation by Traffic Enforcement Centre, but if that had happened the bailiff would have brought a copy with him.

 

Jail? Another con by an shameless idiot who has absolutely no authority at all in this respect

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disgusting

 

do this:

 

http://whatconsumer.co.uk/visa-debit-chargeback/

 

he paid under duress

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Hi, thanks for the answers.

 

I heard about the chargeback process but never actually went across. What steps should I take to make it happen? Do I need to contact the police? Can I do it online or on the phone?

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erm...read the link?

 

phone the card provider

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Also get a complaint off to the council that issued the PCN and JBW. They should have left the premises as soon as they had realised that the debtor did not understand English. Disgraceful behaviour JBW, sort your bailiffs out!!!

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I sent a letter to the bank demanding Chargeback form, will see what they say.

 

Here is what I conceived as a letter of complaint. I would very much appreciate any help with wording as parts of the document I took from a template and parts of it wrote myself. Any suggestion greatly appreciated.

 

 

 

 

 

 

Haringey Council Parking Service

P.O. Box 4789

Worthing

BN11 9QA

 

 

 

Dear Sir/Madam

 

JBW Ref:

Client ref:

Visit by your bailiff on

 

Formal Complaint Stage 1

 

 

I have had an opportunity to seek advice and I write on the understanding that Case Law has ruled an Authority is liable for its bailiffs. I therefore ask you to deliver to me at the above address a full refund of of £573.04 within seven days from the date of this letter.

 

I have all reasons to believe that the bailiffs behaviour was disgraceful and regard the whole process as fraudulent.

Please allow me to present you with the circumstances we experienced:

The bailiff came in early in the morning at 7:20AM

He was invited inside the house as we did not suspect any such visit.

We never received any letter or any information of a possible bailiff action.

I do not speak fluent English and therefore had to call my under-age daughter to interpret.

The bailiff was acting rude aggressive and abusive towards me and my family during his whole visit. He was threatening me with removal of vehicle, goods from inside the house and jail sentence towards myself. Please bear in mind my wife and 16yo and 3yo daughters were present the whole time.

Despite several attempts he refused to pay another visit, delay payment or allow instalments.

He threatened us with a phone call which we believe was fake for a removal vehicle.

After all this with all my family thoroughly shaken and the bailiff refusing to leave the premisses I was left with no other choice then pay. I am a father of two and the only working person in the family and as such I did not have anything close to the amount and had to pay using credit card causing another debt.

At no time I was presented with Warrant of Execution which I believe is necessary for a bailiff to undertake any action.

 

 

 

Apart of all this I have reasons to believe there is several inaccuracies in the Notice of Seizure I was issued:

There is no entitlement for your bailiff to charge me a fee for Levy fee because I paid the bailiff when he attended.

There is no entitlement for your bailiff to charge “Other” fee because the law does not provide for any fee of that description.

 

Charging these fees only is fraud and I understand it is a criminal offence under Sections 1 to 5 of the Fraud Act 2006 and anyone receiving or benefiting from the proceeds of a crime may be subject to a criminal investigation.

 

I appreciate the public are less-informed of the prescribed fees bailiffs are entitled to charge, I believe they have taken advantage of this to make a gain or obtain an unlawful money transfer for himself or another. While I am quite sure the council did not intend to contract a firm of tricksters who have been found defrauding a member of the public in this way, I would be grateful if we can settle this matter quickly and quietly by refunding me within the next seven days. They may be bailiffs but that does not make them less liable than any other public service contractor, e.g. a plumber. However, a bailiff is in a position of trust and in abusing that position they commit an offence under Section 4 of the Fraud Act 2006.

 

For the avoidance of doubt, that in your failure to furnish me with a refund within seven days, I will automatically file a claim in the small claims track without writing further and this will invariably involve an application for costs, and I'll inform the LGO that you the council is aware that a contractor working under your instruction is engaging in criminal activity by defrauding memebers of the public. If you wish to start an investigation of your own, please be advised that in the absence of a refund this doesn't delay legal proceedings or filing a criminal complaint with a police authority.

 

This document is a notice of intended proceedings and delivered by Royal Mail and I deem it to be served on you by the ordinary course of post in the meaning of Section 7 of the Interpretation Act 1978 and therefore your responsibility and it’s in your own interests this letter is handed to the relevant person within your organisation.

 

Yours Faithfully

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