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    • Agreed, let them default. Keep everything in writing, if they ring to discuss the accounts over the phone, simply say 'everything in writing please', and hang up. They'll soon get the message. Get all of your paperwork in order too, if you haven't got any, or are missing relevant documents, then you can SAR the original creditor, which is free and they have 30 days to supply the info. Keep a diary of events too. sit back and relax, YOU'RE in control, not them.
    • thought you said you had an sjpn? dx  
    • dont go near them bunch of scammers! ive removed ref. dx  
    • I used to post regularly in order to provide factual information (rather than advice) but got fed up with banging my head against a brick wall in so many cases when posters insisted black was white and I was writing rubbish. I have never posted anything which was untrue or indeed biased in any way.  I have never given 'advice' but have sought to correct erroneous statements which were unhelpful. The only username I have ever used is blf1uk. I have never gone under any other username and have no connection to 'bailiff advice'.  I am not a High Court Enforcement Officer but obtained my first 'bailiff' certificate in 1982. I'm not sure what records you have accessed but I was certainly not born in 1977 - at that time I was serving in the Armed Forces in Hereford, Germany (4th Division HQ) and my wife gave birth to our eldest.   Going back to the original point, the fact is that employees of an Approved Enforcement Agency contracted by the Ministry of Justice can and do execute warrants of arrest (with and without bail), warrants of detention and warrants of commitment. In many cases, the employee is also an enforcement agent [but not acting as one]. Here is a fact.  I recently submitted an FOI request to HMCTS and they advised me (for example) that in 2022/23 Jacobs (the AEA for Wales) was issued with 4,750 financial arrest warrants (without bail) and 473 'breach' warrants.  A breach warrant is a community penalty breach warrant (CPBW) whereby the defendant has breached the terms of either their release from prison or the terms of an order [such as community service].  While the defendant may pay the sum [fine] due to avoid arrest on a financial arrest warrant, a breach warrant always results in their transportation to either a police station [for holding] or directly to the magistrates' court to go before the bench as is the case on financial arrest warrants without bail when they don't pay.  Wales has the lowest number of arrest warrants issued of the seven regions with South East exceeding 50,000.  Overall, the figure for arrest warrants issued to the three AEAs exceeds 200,000.  Many of these were previously dealt with directly by HMCTS using their employed Civilian Enforcement Officers but they were subject to TUPE in 2019 and either left the service or transferred to the three AEAs. In England, a local authority may take committal proceedings against an individual who has not paid their council tax and the court will issue a committal summons.  If the person does not attend the committal hearing, the court will issue a warrant of arrest usually with bail but occasionally without bail (certainly without bail if when bailed on their own recognizance the defendant still fails to appear).   A warrant of arrest to bring the debtor before the court is issued under regulation 48(5) of The Council Tax (Administration and Enforcement) Regulations 1992 and can be executed by "any person to whom it is directed or by any constable....." (Reg 48(6).  These, although much [much] lower in number compared to HMCTS, are also dealt with by the enforcement agencies contracted by the local authorities. Feel free to do your own research using FOI enquiries!  
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Finance Agreements


postggj
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quick comment

 

if an agreement does not contain all the prescribed terms, a creditor cannot enforce the agreement.

 

if it goes to court what are the chances of a judge making it enforceble where its the creditors cock up

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If there is no CCA and the judge agrees there is a debt, surely they cannot include interest and charges in the debt as only the basic debt, sum borrowed, would be the debt enforceable if you can understand what I am trying to say.

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check my halifax no cca thread

they have addmitted they have no cca

 

my agreements ref welcome finance do not contain the prescribed terms and have not been filled out properly, plus using wilson case

what is the likely outcome

worried court might enforce the not properly executed agreement

waiting for court date with welcome

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  • 4 weeks later...

I Was Accepted For A Capital 1 Card, I Must Say The Intrest Was 29.9%

Six Months Ago They Put It Up To 35%

The Credit Limit Was £200

My Point Being Is I Have Had This Card For 1.5 Years And The Credit Limit Has Never Gone Up.

The Only Reason I Use This Card Is The Positive Markers With The Cra As I Have Never Missed A Payment

I Have 2 Defaults Outstanding Which Is Going Through The Courts To Be Removed, Do You Think This Is The Reason For No Increase

I Am Now Very Careful With Money Now As I Have Learned My Lesson And Would Be Good 2 Know If My Credit Standing Has Improved And When The Credit Limit Increases Will The Apr Reduce

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Hi Post,

 

I got a capital one card for improving my credit rating too, they told me they would increase credit limit after 4 monthly payments, I have made 3 so not sure if they will or not yet.

Are you making the minimum payment only? Your balance never really goes down with min payments so that could be why they are not increasing your credit limit.

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its only £200, and pay in full each month

good to hear from you again

one more month and my dealings with welcome are over, mind you they are getting rather nasty

how are you getting on with them

 

pm me

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My Point Being Is I Have Had This Card For 1.5 Years And The Credit Limit Has Never Gone Up.

 

I've had mine for 3 years and not seen an increase despite being told that the account is regularly reviewed. However, the SAR shows no sign of automated or manual review. Waiting for a response to my letter now.

The advice I give in relation to benefits should be viewed as general advice and not specific to your individual claim circumstances. I cannot give specific advice on your claim as I cannot access the claim.

 

If you find the advice useful please click on my scales.

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postggj

 

I lived in Florida for 5 years and had a Capitol One card there. After 18 months they increased my APR from 12.8 to 35% for 2 LATE..not missed, payments, over a 12 month period. I cut the card up after settling the bill.

 

Simple.

 

Just~Me

Please dont think the picture is me.!!! I couldnt find one of myself so decided to use one of the wife. :):)

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HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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on wed i was involved with a very minor bump with a invalid scooter

the facts are i was revearsing out of my drive. i checked that it was clear, looking over my left shoulder started to revearse, very slowly i felt a slight bump and stopped.

when i got to the rear of my car there was an old lady on one of these scooters. thank god she was all right and no harm done. i did the right think and left my contact details and she rode off.

yesterday i got a phone call from the police asking about the accident. the copper just advised me to call my insurance company and take my insurance cirtificate to her.

what i would like to know is as there was no personel injury why did the warden at the sheltered accomodation call the police.

they are saying the steering rack is damaged.

when i drive on the road i have to have insurance, what is the legal position whith people driving these things on the highway

apparentl;y she has insurance but this is for theft as i believe

as the highway was clear when i reversed she must have been moveing at some speed or had stopped directly behind me. these things are so low down it would have been impossible to see through my rear mirror.

i am just glad no harm done but what are the legal postion involving these vehicles on the highway

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It is legal to ride them either on the road or pavement.

 

From the Highway Code:

 

Remember although it is legal to ride all vehicles on the road, it is not always safe or sensible to do so. You are responsible for your own safety and that of other road users. The normal rules of the road apply - but modified.

Observe the law

Never drive against the traffic

Give way where cars would give way. Give way to pedestrians

Obey Traffic lights and all other road signs and signals and remember the car you can see when you look behind you is almost certainly moving faster then you, It could well be upon you before you complete your manoeuvre and it may not be able to stop in time.

 

Having said the above, there seems to be conflicting advice. This is from the law center at Exeter University:

 

Class 2: Scooters in this class are to be used on the pavement only and have a maximum speed of 4mph.

 

So you will need to have a look at the 'definative' regulations. I don't have time now.

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