gilly, look for postggj. He loves welcome and will give you all the help you need. jed

Hi gilly. Dont worry about appearing in court over a repossesion. Its not full of people. You've got the Magistrate/district judge, you, your rep (if you have one) and the lenders rep or solicitor. Very informal, intimidating at first but not excessively so. You really need to attend this so they know that you want to resolve it. My memories of what I went through are a bit sketchy, but at the first appearance the magistrate suspended the repossesion order if we kept payments up, Unfortunately we couldnt with other things going on. So the second appearance was the worst. The magistrate was worse than the first one, was very 'matter of fact' and the repossesion order was carried out. Very traumatic at the time. On top of this my wife was in the local mental health hosp after having tried to end it all. Anyway, thats another story. Things are ok now (we rent). The court usually want you to keep your house so you will be given the chance to keep up payments. (In my experience anyway). Good luck with everything. jed

Obviously they are bb, especially after sending proof that debt is sb. lol. jed

Hello everybody again, long time no post. I havent heard from these clowns for ages. I was surprised to get a letter this morning (that I had to sign for) from LCS solicitors. They're taking my wife to court if she doesnt reply within 14 days. They have sent the app. form/agreement, a load of t & c's and statements. The application form/agreement is illegible and doesnt have credit limit, interest rate etc. But this, used in conujunction with the t&c's they have sent could make it enforceable. I say this because the t&c's are headed 'Credit agreement between ********* and BOS. Anyway, unfortunately for them, the statements they have provided have given me proof that this alleged debt is statute barred. So I will be writing to thank them for the proof they have sent. I just wanted to know if LCS are as inept at dealing with this sort of thing as 1st crud. Thaks for any comments. jed

Hi nicola. I have been sending this watch to Samuels for nearly 10 years now for battery and reseal. First time i've had a problem. Samuels staff do not do the work themselves, they send it to Casio. One developement is that the watch now works fine,(alarm signal etc) so somebody at Casio is lying to me about the watch being non repairable! I dont think they even checked it out. They also put a caveat in a letter to Samuels when they returned the watch. They said that when I take up their offer of a discounted watch they want my watch sending back to them. For what reason I dont know. jed Anyway I still have their offer on the table so I think I will take it up.

Speak up steveod, I cant hear you for the music................ jed

Leaving a vehicle unnattended with the engine running is illegal, with or without passengers. You're lucky plod wasn't there aswell. jed

Quote; then pay them what you owe (the difference between 2hrs and 3hrs parking) I dont think so! Why should you give a ppc any money that they are not entitled to? Your advice was going quite well electricsilver, till you mentioned that. jed

This is a very interesting thread. I asked the same question in a thread I started a while ago. I was not as eloquent in my questions as some of the posters in this thread though. Now I have read through, I understand it a lot more. My situation is as follows; 1st and 2nd visit fees paid. (£42.50) Van visit, not paid (£110) Levy, not paid (£46) Total £156. The bailiff has been chasing these fees for nearly 2 years now and I simply will not pay them. They have sent letters and posted letters by hand when they have visited. On one occasion when a different bailiff came he added £120 to the demand. I queeried this £120 but so far they have failed to give me any explanation as to why it was added. In all their letters they refer to council tax arrears even though I have a letter from the council saying that the debt is paid. I am of the firm belief that they will not go to court because they will have to confirm that their fees are correct and legal. I do not believe that they are. jed

Ask them to provide proof that they are legally entitled to collect this alleged debt. You should have had a Notice of Assignmwnt from GE and Link. Link are one of the nasty dca's who lie through their back teeth to get money out of anyone they can. For instance the homeowner and the repayment plan bit. Utter crap. Dont talk to them on the phone, (as I have said, they will lie and deny anything they have agreed to on the phone) tell them to put everything in writing or you will not deal with them. If they provide NOA's then send off a CCA request. You will get plenty of help from people with more experience than me on here so keep posting. jed

ALL weights for HGV's on road signs are Maximum Gross Weight, unless otherwise stated. jed

Hi becksuk. You have a letter to say you have discharged the original loan. So what are you worrying about? Ignore their phone calls or tell them to foxtrot oscar if they ring you back. Tell them to put everything in writing if you must talk to them. Link are one of the worst dca's for talking twaddle and lying on the phone. If they have got a genuine claim you will receive court papers, but this is VERY unlikely. BTW dont send them a copy of the letter yet, make them do a bit more leg work. jed

Thanks rebel. I'll keep posting. jed

Dont worry about replying by that date valanne, they are all mouth and no trousers. All it means is they will start writing to you again and that nothing to be worried about now you are on here getting all the help you need to deal with these clowns. jed

Hi peeps, help appreciated on this one please. I took my Casio watch into H Samuels for a new battery and reseal, as I have done for the past 8 or 9 years. Got the watch back but found it was faulty. (it had stopped 'beeping' when you press the mode buttons and also for the alarm) There was nothing wrong with the watch when I originally took it in apart from the battery. So I took it back and they sent it back to Casio for checking out. About a week later Samuels rang me back to say that Casio had discovered there was a fault with the watch and it could not be repaired because the parts were no longer available. Casio said if I wanted to choose another watch from their range they would give me a discount but the size of discount was not specified. I told Samuels that I was not happy with this as there was nothing wrong with the watch in the first place, it must have been damaged by Casio whilst it was in for the battery replacement. Casio are now in the process of doing a diagnostic check on the watch. I told Samuels that the only reason they could be doing this is to apportion some blame somewhere but preferably not with them because they already told me the watch could not be repaired. Sorry this was a bit long winded, but I just wondered what anybody thought I should do to get the best result. jed

I would agree with that. jed

I would send a CCA request. You wont see your £300 that you have already paid again. You need to find out if they have got an agreement. You must remember that DCA's like these send out demands for outstanding loans etc, in the hope that the intended victim knows nothing of their rights, and in a lot of cases, they are right. Dont worry about things at this stage, you are probably a long way from any court action. Get the CCA request off. jed

You've been conned my friend. If a dca offers a discount off the full amount it usually means what dx100uk has already said. They have got no enforceable agreement or its loaded with charges. You should have challenged their right to demand the money. By paying them the £300 you have acknowledged the debt. What I would do now is send off a CCA request. Letter will be in library. Send £1 postal order and DO NOT sign the letter. And dont pay them anymore money until they send an enforceable agreement. jed

Thanks guys. Ok lets see if I can get this right. The levy was done before we paid anything. They levied on garden furniture that was not worth anything like what we owed. Mar 2007...1st visit fee.........Paid Apr 2007....2nd visit fee.......Paid. They then added attendance and van fees. I queried these and after a while they refunded nearly £100. Nov 2008....Attendance and van fee.....£110 Nov 2008....Levy fee.......£46. It is these fees they are chasing now. The last hand delivered note from the bailiff direct bumped the fees up to £276. I queried this in my last letter to them but there is no mention of it in their last letter to me. If i've got to pay them then fair enough. If they have got a genuine case then why have they not done anything before now. Thanks for your replies jed

Sorry to keep bringing this one up guys but I need a definitive answer. Am I or anybody else, legally obliged to pay bailiff fees? I have paid the first and second visit fees of £42.50. The attendance and levy fees are what they are chasing now (£156 total). Since my last post, I have wrote to the council complaining about the bailiff and his fees. They have simply passed the letter on to Rossendales without replying to me direct. Plodder, you said they could go the Small claims route but some wont because they have to prove their fees are correct. According to the breakdown they sent me, these fees were incurred in Nov 2008. Surely they should have to gone to court by now? In this latest reply they have made no mention of the extra £120 they have added. Also they keep refering to the debt as council tax arrears. jed

Thanks Plodder, I sent that letter about 18 month to 2 years ago, but it was a different bailiff to who is chasing me now. It could be that he is not certificated... I'll have to write that letter again I think. Thanks for your input. jed

I dont think I got anything from the council saying it was discharged. I'll have to check or ring them and ask them to provide proof. I put some detail in an earlier post about this, but the essential thing is they have ignored my requests for a breakdown of their fees in the past saying its a SAR and I need to give pay £10 for this info. Twaddle. I wrote back and told them so. They refunded me nearly £100 in wrong fees about 2 years ago. These fees they are asking for now dont appear on any paperwork they have sent me in the past. jed

Thanks, rebel, for your replies. I had not thought of approaching the council about this, its about time I did. Brass, I even have a letter from Rossendales saying they agree the council has been paid in full, but we still want our fees. I'll get a letter off to the council. Thanks both. jed

I've been hounded by Rossendales for a while. It goes back a couple of years when we owed council tax. This was paid off direct to the council round about 12 months ago, even though it was with Rossendales. They obviously were not happy. Since it was paid they said we owed their 'fees'. Last we heard from them was before xmas. Incesant phone calls from what sounded like a clever ar*ed kid. But now we've had a couple of hand delivered letters from them in the last 2 weeks. But this time the amount has jumped up by £120. Anyway we are on the 'Final Notice'. Now these 'fees' have never been on any liability order or warrant of execution. So I wondered what I should expect. I read on here that we are not obliged to pay their 'fees'. I've got no intention of paying them anything if I don't have to. Can somebody put my mind at rest please? jed

What a load of old tosh. Have you sent the 'in dispute' letter? If not do so.. You'll find it in the library. If they have just admitted they haven't got an agreement, they wont be going anywhere a court. Send the 'in dispute' letter and wait to see what happens. jed.