Hi guys, Our Ltd company took out a Rentsmart agreement when we went to buy a new imac and Macbook for our business in 2016. We were talked into it and told it would save us money etc etc so my husband signed the agreement under our Ltd company name. The business hasn't worked out as we planned and we may now have to dissolve the company... .we contacted Rentsmart today and were told we are unable to cancel and would have to pay the full term of the agreement and return the goods (agreement cost includes their insurance charge). When my husband asked about it being in the company name they told him he had signed a 'Directors guarantee agreement' on behalf of the company and so is personally liable??? The hirer on the agreement is our Ltd company. ..yet when I have checked the small print today it states that the agreement is subject to the consumer credit act which does not apply to a Ltd company!! Any ideas how we can cancel this agreement without then chasing us for another £2550 for 2 items we have to return?? Thanks in advance Lisa

I'm guessing at 2009 for last payment, I know I got the card Jan Feb 2008 but then lost my job at the end of that year and stopped making payments. They are saying 2011 for date of last contact though which I do not agree with at all. Is there a letter I can send regarding last dates of contact/payment etc?? I had 2 CCJ letters at the same time and dealt with them the same way...1 was dismissed and has been cleared and dropped, this was the other one! If I can't go down statute barred route then is there anything I can do regarding PPI on this account or the £600+ charges added??

Hi, I had the card in 2008, last made a payment in 2009 as far as I'm aware. CCJ was granted in Dec 2014. I offered the defence after acknowledging the claim form that the debt was statute barred. I have never replied to any DCA about this debt until I sent the statute barred letter last week. I don't understand what they mean regarding the limitation period?? Thanks Sorry CCJ was granted in Oct 2014 not December.

Hi all, I disputed this via the court as I think it is Statute Barred but the court found in default judgement to Bryan Carter Solicitors. ..I haven't paid them since CCJ was granted and now in arrears of £350. I sent them a statute barred letter as I had this Vanquis credit card debt years ago and card limit was £500, the rest are charges they have added amounting to CCJ of £1105.13. There was also PPI on this card but it is from 2008/2009. They replied to me today stating... Our clients position is that the limitation period runs from the date the original creditor became entitled to demand payment this being 30 June 2011. It is our clients position that the account is not statute barred and that the amount outstanding remains payable by you. What on earth does this mean please? And is there anything I can do next?? Thanks Lisa

I'm not acknowledging the claim as then I am admitting that I owe that amount!! The original credit card limit was £500, the rest added is purely charges! I don't want to part admit it either, I am wanting to dispute it but am unsure what to write in the box?? I disputed one recently and stated it was statute barred.. ..I've not heard a thing from the court since regarding that one and it was in June. No I didn't attempt to reclaim the PPI as I had no details other than knowing the credit card was from Vanquis as I haven't had any statements or information from them for years!

There you go....... Name of the Claimant ? Lowell Portfolio I Ltd Date of issue – 01 Aug 2014 What is the claim for – Particulars: Claim is for £795.18 the amount due under an agreement between the original creditor and the defendant to provide finance and / or services and / or goods. This debt was assigned to / purchased by Lowell Portfolio I Ltd on 23/02/2012 and notice served pursuant to the law of property act 1925. What is the value of the claim? £795.18 the claimant also claims interest pursuant to S69 County Court Act 1984 from 23/02/2012 to date at 8% per annum amounting to £154.95. (Total £950.13) Is the claim for a current or credit/loan account or mobile phone account? Vanquis Credit Card When did you enter into the original agreement before or after 2007? Around 2007/2008. Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Debt was purchased by Lowell Portfolio I Ltd Were you aware the account had been assigned – did you receive a Notice of Assignment? Not that I am aware of. Did you receive a Default Notice from the original creditor? Yes Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? No Why did you cease payments:- 2008/2009 unsure of exact date Was there a dispute with the original creditor that remains unresolved? PPI on account Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No Cheers Lisa

Hi All, I have just received a Claim form from Lowell Portfolio I Ltd. via Northampton CC, it was issued on 01 Aug 14 but I only received it at the end of last week. After having a discussion with a friend who is quite clued up on these things he mentioned requesting the Deed of Assignment as apparently the debt is not allowed to be sold without me being informed and if they don't have this information then nothing can be done regarding the debt, he also went into explaining about the OPPT and it being dissolved therefore we are all debt free anyway!! What I am enquiring about on here is the best way to word the deed of assignment information request on the Court website when I dispute it?? Any help would be greatly appreciated. Lisa x

My question is though...can the bailiffs charge the fees they are trying to with no levy on any goods and only having visited us once??

We had to pay the ticket as once they had passed it to the Bailiff I was advised by the council that we could no longer contest it??

Hi Guys, I have had plenty of experience dealing with Jacobs bailiffs but never for a PCN, it's been council tax in the past. My husband received a PCN through the post but had never had a ticket attached to his windscreen in the first place! The council weren't interested and passed us from pillar to post and the debt was passed to Jacobs. They sent One letter through the post asking for 112 which was the PCN cost only, we were away with work when it arrived and when we got home the Bailiff knocked on the door for his 1st visit and has requested £151.44 in fees plus the £112 PCN! We paid the PCN direct to the council and advised the Bailiff of this via text message. Today we have received a letter stating that there is a balance outstanding of £151.44. As far as I was aware they can only charge a 1st visit fee and nothing else as no levy was made and nothing was signed by my husband. Can somebody give me some info regarding the correct lawful fees they can charge so I can email them to tell them how much we'll be paying and nothing more! Thanks Lisa

Yeah supposed to be paying today...my question was though...the council tax was paid the day they put their 1st visit fee on....so can they charge me a fee for only calling to collect their fee??

Hi again guys...had an old Council Tax bill that was passed to Bristow & Suitor for collection, I missed them originally when they called but I had made a payment that day to the council that covered the debt....I then received a further letter through the post regarding their £24.50 fee that needed to be paid...I didn't think anymore about it until 2 bailiffs knocked on my door this morning now requesting £42 as they have added another £18 on for calling!! Can they charge fees on top of fees only once the LO has been paid in full?? I told them I couldn't pay on the doorstep so he just posted a letter through but tried to pressureme into paying him there and then. Any advice would be great. Lisa x

Morning guys....had a response from the Council yesterday after cc'ing them into the Jacobs request for information e-mail, this is the response they sent...... Dear Madam Thank you for your e-mail, the contents of which have been noted. I have forwarded your e-mail to the necessary department for your enquiry to be dealt with as a matter of urgency. I trust this is in order. Yours faithfully XXXXXXXXXX Senior Customer Services Officer On behalf of the Council Tax Service No information about the fees from Jacobs but this letter arrived this morning......... Dear Sir/Madam Further to your recent communication we write to inform you that we are prepared to accept your offer of 6 payments of £200 every 31 days with a final payment of £157.55. The first payment is due on 9th Oct 2013. No further action will be taken as long as the payments are received within the period intervals. If you have not already met with our bailiff he/she will be calling to your property in the near future in order to levy and secure the debt for your local authority and further bailiff costs will be incurred. Please note our terms for arrangements: I understand that it is my responsibility to:- 1. ensure that all payments are received by Jacobs on the due date. 2. ensure I have my chosen payment method available e.g. payment card, debit card, postal order etc. and that in the event of not doing so, I find an alternative method of payment and advise Jacobs if my payment card is late. 3. ensure that I pay the agreed amount each time I make my payment and that if I wish to change this, that I must get consent from Jacobs first. 4. ensure that I do not change the agreed frequency of my payments without monthly consent from Jacobs. I also understand that:- 5. if I break my arrangement for any of the above reasons or any other reason that my arrangement WILL NOT be re-set and that payment in full will be due. 6. if enforcement action is taken it will be unlikely to cost less than £110. 7. Jacobs have the right to review the arrangement at any time and will contact me by phone or in writing should they wish to do so. 8. by Jacobs accepting this arrangement they are not abandoning the distress and as such I should advise them if any other bailiffs attend for other debts. Yours faithfully Jacobs I now need an idea of a letter to send them as by sending this it looks to me like they are going to ignore my request for information.....I haven't agreed any repayment terms with them, or any amounts and I'm certainly not going to make payment of the £191.50 fees for a Levy the bailiff has made up against a car he apparently checked with our neighbour that was ours but won't give me any info about! Neither am I going to make any payment to Jacobs! All payments will be made to the council!! Ideas of what to put in a straightforward way so they get the point would be great guys!! Thanks Lisa x

Hi guys, I've already sent the e-mail to the council and Jacobs on the generic e-mail addresses supplied on their websites. Once I get an e-mail back from a person at the Council I will get onto the issues you've just raised for me. I also got another text from the bailiff which read.... Hi, because you are unwilling to speak or deal with me to set an arrangement up on your account I have returned the case back to head office and told them to set you up for £200.00 monthly. If this is no good please contact head office. Regarding the fees applied the office can assist you on this also they have all details of the inventory the neighbour confirmed to be your vehicle. Best regards. So lets wait and see what excuses I get from Jacobs in a letter within the next week!! Lisa x

I spoke to the council yesterday who informed me that they can't do anything now it's with the bailiffs! The only advice they would give me was to speak to the Citizens Advice Bureau and get them to liaise with the bailiffs to put a 4 week hold on the account to stop the action until it was looked into?? I am about to send an e-mail to Jacobs and CC the council in on it. ..I am sending the letter as above but attaching it to an e-mail with the same info in that I texted the bailiff this morning regarding the false levy! I'll keep you all posted! Lisa

Hi, Sent text to Bailiff and this was his reply......... Hi, a levy was taken on a vehicle yesterday what was parked outside your property and a neighbour confirmed it to be your husbands. I don't wish to text and I do not have an e-mail address, please phone me and we can discuss this account in detail and get you into an arrangement to pay the outstanding balance. Regards When I popped home yesterday the letter was through the door and we'd been out in both vehicles for hours....so no idea what vehicle he is supposed to have levied......I texted him back saying...... If a levy was taken, by LAW you have to put a Notice of Seizure through my door which you haven't done! What is the registration of the Vehicle that you have apparently levied? His response was.......Please phone me and all the details will be given. I am unable to text I do not have a free text package, only calls, I could call you if you need me to? Thank you. So I am presuming my next step is to e-mail Jacobs asking for information......the only vehicle here yesterday was my husbands van which is on a finance agreement which is why I asked him for the Reg no. of the vehicle he has taken!! Thanks Lisa x

Thanks guys... .I will text him now.. ..there was no way I would arrange a payment plan with Jacobs as I've fallen into that trap in the past and been forced to pay extra fees for signing a Walking Possession Agreement and Header H Fees! Should I also e-mail Jacobs direct or just start with the text to the Bailiff?? I have a feeling the first bailiff has written my car down as it was on the drive when he called as we were away at the time! We also have a van but it is on a finance agreement so know he can't do anything with that. Lisa x

Hi guys... ..long time no see. ...but yet again I have problems with Jacobs re Council Tax!! Ok here goes.. ..Liability Order granted by Teesside Magistrates Court on 04/06/2013 for £1106.05 plus a £17.50 charge for granting order (£1123.55) Jacobs arrived on the scene on 27/08/2013 and posted a Bailiff Attendance - 24 Hour Notice with a Balance of £1148.05 + Costs written on it..... .....I was away with work at the time. He came back on 28/08/2013 and posted a Bailiff Attendance - Final Notice 24 Hours with a balance due of £1166.05 + costs written on it.... ..I tried to contact the bailiff on the evening of the 28/8 but got his answerphone left a message to contact me the next day.. ..no contact by 11am on the 29/8 I called again and yet again he ignored my call, I left another message with all my details asking him to contact me and he never did so I left it. Then a letter came through the post on 10/09/2013 Bailiff Removal with an amount of £1166.05... ..I ignored this as I had never spoken to or seen the bailiff at my house and so have never signed a Walking Possession Order, let him in or received a Section 4 through the door to state that he'd written my car down as a levy. Today 30/09/2013 I came home to find another hand delivered letter from Jacobs through the door with another Bailiffs name on it.. ...Removal 48 Hours with a balance due of £1357.55!!!! He can't take anything away as my car has been moved to a safe place and he can't break in as I have never let him in to the property (Although this bailiff is the same Bailiff I did let into my property last year when Jacobs were dealing with my 2012 Council Tax) but I feel I should send an e-mail to Jacobs about the fees as the £1166.05 included the 1st and 2nd visit fee as far as I can work out so what is the £191.50 for??? Can someone give me an idea what to send as the last letter I sent to Jacobs asking about fees etc. was in 2012 a nd it was from a now defunct e-mail address so I can't copy and paste it!! Also can somebody just put my mind at rest that this Bailiff they have now sent me who I dealt with in 2012 can't break in by saying he's been in the house previously in 2012 regarding a different Liability Order?? Thanks in Advance Lisa xx

Hi Guys, I'm going to email the council now and ask them to confirm in writing that the LO is satisfied and explain to them that Jacobs charged their so called Attendance fee incorrectly as he did not arrive to remove any goods, only to post a 48hr notice to attend letter! Once I've got confirmation of the LO being satisfied I'll email Jacobs and attach a copy and will also explain re the levy as posted by ploddertom ( If they contend that the 1st debt was not paid with the other one then they should have raised that issue no later than September 2011, having left it for so long tells me they abandoned their*levy icon* therefore meaning the*levy icon*fee and any & all associated charges must be removed.) And advise them I'll pay a 2nd visit fee of £18 and no more! Any other ideas of what to write would be great. Lisa x

They've already had a 1st visit fee which I've paid on this account in 2011! So do I offer them a 2nd visit fee? Is it legal for them to add more fees to a fee? Lisa x

If you look back a few posts brassnecked/dx100uk I posted the councils response to me stating that their fees were unlawful saying they'd spoken to their client contact at Jacobs who told them the fees were lawful and the council just accepted this as gospel!! The letter I received from Jacobs reads as follows: Dear Mrs xxxxxx Balance outstanding at Todays date £110 We are writing to inform you that we have now been instructed by our client to continue action on your account. We therefore request that you forward payment in full by return or if you cannot pay in full immediately, you contact our office to discuss the matter within 7days. Failure to comply with the above request will result in further recovery action which will incur further costs. Jacobs.

Hi again guys, As I thought I've had a letter off Jacobs which was waiting for me when we got back from working away....giving us yet again 7 days to pay, stating that their client has advised them to continue to persue for the debt!! Who do I contact now? The council again? Or Jacobs again? The letter says that if not paid they will add more fees! Fees getting added to fees!! Great!! I'll post the exact letter on here in the morning when I'm home but some help on my next course of action would be great. Thanks Lisa xx

Prior to the 2nd debt which was passed to them on 22nd Jul 2011 (But they didn't advise/visit me until 1st Aug 2011) I had paid 3 payments as follows: 27th May 2011 - £51.50 27th Jun 2011 - £45.50 28th Jul 2011 - £45.50 The 50p on each of the totals is the extra 50p charge they charged me for paying via debit card, which there is a separate charge for listed with the fees!! The 2nd debt payments were as follows: 2nd Aug 2011 - £50.50 1st Sept 2011 - £200.50 1st Oct 2011 - £200.50 1st Nov 2011 - £200.50 2nd Dec 2011 - £200.50 5th Jan 2012 - £200.50 7th Feb 2012 - £99.00 Which I make to be a total paid of £1152 (which includes the 7 charges of 50p every time I paid with a debit card!!) Any ideas how I move on with this now please? As on Wednesday Jacobs are gonna start trying to chase me again for this £110!!! Lisa x

Hi again guys, I've been away with work and my stupid phone wouldn't let me post on here so now I'm back with my PC I'll fill you in with whats been happening and answer ploddertom's question in post 29.... From May 2011 when everything was sorted with the previous bailiff I was paying £200 per month every month, on time and didn't have any more visits from any bailiffs, I made all the payments for what I was told was my linked account and my last payment was for £99 on 7th Feb 2012. I was then given a message that my account was clear with Jacobs. I thought it was all settled but then I received a letter from them stating I had a Broken Arrangement asking me for £180!! I sent a letter by fax requesting a rundown of charges which when I had received I then faxed a letter and asked for more time which was ignored, the Bailiff arrived on the 18th April and slapped his £110 so called Attendance fee on. I have contacted the council and asked them to intervene regarding this as suggested on here...this is the reply I received from the council pasted below: Dear [EDIT]. I write with reference to your recent correspondence regarding your dispute with Jacobs bailiff company in relation to their outstanding fees. I have spoken to our account manager at Jacobs, who has provided me with a rationale for the fees of £110.00 which are currently outstanding, and for which they continue to pursue payment. On the 18th April 2012 a bailiff attended your property with the intention to obtain payment in full for your outstanding debt. As he was unsuccessful in obtaining contact with either yourself or [EDIT] , he left a letter at the property advising that payment in full was due within forty eight hours to avoid a further visit whereupon goods would be removed. I am advised that you contacted Mr [EDIT] by telephone on the 20th April 2012, whereby you disputed the outstanding amount and that a subsequent call was made to Jacob’s head office in relation to your grievance. Under the circumstances it was deemed inappropriate for a further visit your property to be made on the 20th April 2012 whilst the matter was investigated. I can confirm however that having considered your complaint, Jacobs advised you that the fees which had been imposed were correct. The fee which you are disputing is an Attendance/Van fee, which is charged upon a bailiffs attendance to your property with a view to removal of goods (where goods are not removed). I am satisfied therefore that the bailiff company which we have instructed to recover this debt have acted appropriately, and that the fees incurred as a result of your non adherence to your payment arrangement, are correct. May I respectfully request therefore that you contact Jacobs directly in order to discuss the repayment of their outstanding debt. So now what do I do??? Any suggestions guys???? Lisa x

The tv wasn't listed on this accounts walking possession order tho, it was on the 1st debt that was paid in full in Feb, the only thing on this one was the car I sold, hence him saying he's going to take my new car!!