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    • good idea take some pix and put them in a PDF read UPLOAD dx
    • thread title updated moved to overseas debt forum. sadly as they are outside any UK jurisdiction upon DCA rules which state in the UK they must not call employers, there not alot you can do to stop these scammers. make sure you totally make private ALL social media twitter/facebook/linked in etc etc as there no-way for them to findout where you work otherwise so you must have a leak somewhere. find it. your employer details arent even legally available to UK DCA's so how have they found it out to date???  simply write to the BANK informing them of your correct and current address ALWAYS!!. if you want to arrange payment or not TO THE BANK ONLY thats upto you. never ever ignore a Statutory Demand a Letter Of Claim a Court Claimform. if if if any of those ever happen. till then ignore and rewash. dx    
    • Date of issue –   13 may 2024 AOS date 31st may defence filing date 14th june plenty of lowell card claimform threads here use our enhanced google searchbox Lowell card claimform id be reading at least 5-10 threads a day. do NOT MISS your defence filing whatever happens.  
    • Hello All,  I’m hoping someone can help me urgently here. Firstly, I’d like to say I have read multiple other threads and have some what an idea of what I should be doing, however my case might be slightly different so coming with my own questions here.    my situation is I lived in Dubai and had a credit card and a loan, loan with HSBC and credit card with Emirates (or the other way round), I lost my job and was forced to leave the country as I was staying in the country on my companies visa.    since coming back, after a few years 2 different debt collections agencies have been approaching me (one being IDRW and the other J&P). I’ve never answered IDRWW and they constantly chase me by calling and messaging me and my employer. My current company is ok with this as I explained the situation but I’m soon to be joining a new company who definitely won’t be ok with being messaged and called. I’m afraid to continue to ignore them as they may message and calm the new employer as they have before and I’ll lose my job. However, it seems clear from these forums that dealing with the debt collection agencies is never a good idea. You shouldn’t agree to the amount or pay anything.    j&p caught me on my phone but I still haven't sent them any money or confirmed the amount they’re saying is owed, they keep pushing to pay off the “principal” amount by making monthly payments, from reading these forums it seems like if I make one of those payments (they have provided bank details for ENBD), then it’ll just be paying off interest and not actually clearing the principle debt and the bank won’t even approve receipt of payment or that it’s coming off principle.    this is my predicament as ignoring them might not be an option if they chase my new employer. Maybe there’s a way to ensure the debt collection agency don’t contact my new employer?? I don’t know? Massively appreciate peoples help here. Thanks, 
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Having browed around a bit and found the following Quote it just goes to sho as of 06/04/2014 bailiffs MUST now apply to gain a forced entry, this we have known for years, now it's in writing the bailiff will no longer be able to "threaten" forced entry but MUST have permission first see the quote below this quote was taken from here

 

https://www.gov.uk/government/news/bailiffs-getting-ready-for-tough-new-regime

 

 

From my understanding the Bailiff will not have the power to force entry and should now not "threaten" the use of a locksmith, how many more complaints will come if they do and if the do what recourse will the debtor have, what with the "stress" of the threat causing mental harm, the words "bully" come to mind and if I remember my law correctly it is ILLEGAL to bully someone or make words spoken or action taken if it causes harm,alarm or distress to ANYONE that witnesses this? you thoughts please again sorry for the long post , if you follow my train of thought you will see where I am going with this? Please read my other post to start to see the whole picture on this matter it is here http://www.consumeractiongroup.co.uk/forum/showthread.php?416534-Vulnerable-household-vs.-Vulnerable-adult(1-Viewing)-nbsp further reading that is a must with this post can be found here courtesy of tomtubby

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?414547-The-Taking-Control-of-Goods-(Fees)-Regulations-2014-released-today.(1-Viewing)-nbsp

 

 

and

 

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?412530-Council-Tax-arrears...should-you-let-a-bailiff-into-your-home

 

 

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News story

Bailiffs getting ready for tough new regime

 

 

 

 

 

Organisation:Ministry of Justice

Page history:Published 29 January 2014

 

Bailiffs and councils must make sure debts are collected in a fair and responsible way, Justice Minister Lord Faulks said today.

 

 

 

s300_lord-faulks-eventpics.jpg

 

 

Speaking just weeks before new laws on rogue bailiff behaviour take effect, Lord Faulks addressed the Civil Enforcement Association conference in London today, speaking to an audience of more than 300 representatives of local authorities and bailiffs companies.

Major reforms to the rules for bailiffs will take effect in April, banning them from heavy-handed behaviour but also making sure they can still collect debts fairly.

Lord Faulks told the audience they would be key to ensuring that the people of England and Wales have the fair and effective enforcement system they deserved – and urged them to rise to the challenge.

Speaking after the conference, Lord Faulks said:

 

‘There are some very good, reputable bailiffs around, but we know there is bad practice out there that needs to be dealt with.

‘A small minority of bailiffs have been allowed to give the industry a bad name.

‘These laws will help to clean up the industry and ensure bailiffs play by the rules. They will also make sure businesses and public bodies can collect their debts fairly.’

The changes will put in place new mandatory training and certification requirements for bailiffs, and simplify the fees that they are allowed to charge for their services.

They will also impose rules on how and when bailiffs can pursue debts, including:

 

  • Stopping bailiffs entering homes when only children are present.
  • Banning bailiffs from visiting debtors at night – they will only be allowed to enter between 6am and 9pm.
  • Banning landlords from using bailiffs to seize property for residential rent arrears without going to court.
  • Preventing bailiffs from taking household items, such as a cooker, microwave, refrigerator or washing machine, because they are deemed to be reasonably required to satisfy the basic domestic needs of the debtor.
  • Ensuring a notice period of seven days is given to the debtor before bailiffs take control of the debtor’s goods.
  • Banning bailiffs from selling goods removed from a debtor, unless seven days have passed from the date the goods were removed.
  • Making bailiffs responsible for proving to a court that there are, or likely to be, goods of the debtor on the premises before being granted the power to use reasonable force to gain entry.

Before a warrant is granted, bailiffs must give the court information on the likely means of entry, the amount of force required and how the premises will be left in a secure state afterwards.

 

 

So all in all the best advise anyone will give is as follows, especially when these new rules come in to force from 06/04/2014 is as follows.

 

 

1. If you miss just one payment ring the creditor

2. If you miss just one fine payment call the Fines department of your local Court.

3. If you do call any creditor make sure you record the conversation.

4. Always insist you deal with your creditors in writing only.

5. A DCA is NOT a bailiff and as such has no powers.

6. Check out your credit file monthly from now on so you can see all adverse entries and deal with them straight away

7. Never let a bailiff into your home because it will cost you in the long run.

8 If you are on benefits now is the best time to run the "benefits Advisor widget" to see if you are getting all you are entitled too.

9. Claim those that you are allowed to, and always inform the relevant claims departments of ANY changes to your circumstances, as these rule are now being applied.

 

 

MM

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