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    • 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!  
    • 3rd one seems the best option, let 'em default, don't pay a penny, nothing will happen, forget about all of this. As for Payplan don't touch them with a bargepole, nothing they can do that you can't, and they will pocket fees. A do it yourself DMP is pointless as it will just string out the statute barred date to infinity.
    • Because that’s what the email said. Anyway it’s done now. Posted and image emailed.    im doing some reading in preparation for defence but I will need my hand holding quite tightly by you good people.  I’m a little bit clueless
    • why do you need adobe...use a pdf online website. all for now...no get reading up and do not miss your defence filing date no matter what. post it up in good time no!!    
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judy123 v Halifax ***SETTLED IN FULL***


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Have had a rough ride over the last few years - Halifax hindering us all the way but have now clawed back to normality so decided to go for it.

Sent prelim letter, LBA was due to go out next Tuesday but received letter yesterday saying:

 

Further to your recent enquiry I regret to advise you that, having fully considered your request, we are unable to make a refund of the charges applied to your Bank Account. If you would like any further information please contact us at the above number or call into your local branch.

Collette MacLachlan - customer services.

 

I have been watching other peoples threads over the past few weeks and this doesnt seem to be the 'make a complaint letter and leaflet' that they have talked about receiving in response to the prelim.

 

Is this dead in the water or do I persist and send the LBA on Tuesday as planned.:confused:

 

Total charges over past 4 years of account with them is £1277

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I have just noticed that this letter came from Leeds - I sent my prelim to head office in Halifax. Do I send the LBA to head office or Leeds? Gut feeling is stick with head office but could do with a second opinion!

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Ok have just typed up LBA ready for tomorrow - have altered the wording to read:

'we are very disappointed that you have failed to respond to our letter of 20th June in a satisfactory manner'

in the hope that it indicates that we have not had a standard letter and the response was not what we hoped for, so we shall see what happens next!

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Ok have just typed up LBA ready for tomorrow - have altered the wording to read:

'we are very disappointed that you have failed to respond to our letter of 20th June in a satisfactory manner'

in the hope that it indicates that we have not had a standard letter and the response was not what we hoped for, so we shall see what happens next!

 

Wow, virtually word for word what I wrote in my LBA too :lol:

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Just while the clocks ticking and I have nothing else to do (!) just wondered if anyone else gets 'floating money' in their account. I keep a very close eye on our account transactions (the old fashioned way - in an exercise book!) having learnt the hard way, and find each day after payday that when I try to match up the difference between 'available balance' and 'actual balance' online that there is floating money that I cant allocate. It happens each month after payday and this money floats in the account, unavailable, for a couple of weeks then becomes available again. Last month was £3.50 for ten days, this morning it is £10.99 (following payday) - that might not seem much but I have had months where it has been £40.00! The banks response is that it must be allocated to something going through the account but it never gets allocated just becomes available again. Its weird! Maybe its Garry Kettles emergency stamp fund;) !

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If you pay something by debit card ...weekly shopping for instance then although this money comes out of your bank imeadiately it may not show as paid .......likewise if you pay in a cheque it will say balance $ xxxxxx including the cheque but balance available ....... $xxxxxx excluding the cheque ........this is because the cheque has not cleared to you yet ...I hope this makes sense to you

:) Go on ... you know you want to click me :)

:lol:don't be like the banks - give a little back :lol:

:D There was a time before CAG but now CAG is here we are the empowered! :D

In progress:

Mechs and Mother (deceased) V Halifax - N1 form filed at Court 9 Aug 06

Advice & opinions of mechs, The Consumer Action Group and The Bank Action Group are offered informally, without prejudice & without liability. Seek advice of a qualified insured professional if you have any doubts.

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yes I know all that, I list all those transactions in my book so when I am checking the actual balance I can see which transactions are going through. I know what my balance will be before the bank does, cheques are deducted from the balance before they are posted, the theory is that we work from my books balance rather than the banks balance so we know exactly what we have got left to the penny.

 

That is my point this money doesnt go anywhere - it doesnt get allocated it just becomes available again, it never does - it just 'floats' out of reach for a few days

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Having a real wobbly moment here - quite apart from the wording on the only letter I have received from the Halifax, LBA went last week so am on day 8 and have heard nothing, but have read todays Daily Mail and the associated thread on here and am stressed! I would be due to file Moneyclaim next week, its going to cost me £120, which although earmarked would be useful elsewhere, do I keep going and risk it despite having had none of the responses that others seem to be getting? HELP!:? :(

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Do not let the stays put you off , there has only been a couple so nothing to get excited about and also we have an extremley good argument for getting the stays lifted.:-D

 

to date 2 of the stays has been paid out and the only other one I know of the judge wants both the claiment and defendent to submit paperwork .Can anyone REALLY see the bank submitting proof of how these charges are justified ? seen as they are not .... IMO its a matter of days before an offer to settle is made

  • Confused 2

When you want to fool the world, tell the truth. :D

Advice & opinions of Janet-M are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any

doubts.

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thanks for that guys, I'm sure you'll agree it takes guts to do this, and not being the most confident person in the world, glass always half full, it doesnt take much to wobble things!

 

Back on track now, ta muchly, confidence restored, going into the garden with a glass of wine! Funny, that glass is always half empty ha ha:D

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have just been discussing pros and cons of settling before court if offered with prison officer husband just off duty - the official response is ' tell 'em to ram it'!

ho hum another scintillating debate halted!!!;)

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  • 1 month later...

Sorry I havent been with you for a while guys - lost the broadband connection and am sharing a mates computer. BT Broadband Customer Services - dont get me started!:mad:

Quick update - Chasing 1277.00 - Halifax have offered 120.00, then 418.00 - am now ready to file moneyclaim tomorrow. Just need to check, have used the spreadsheet to calculate the interest and have filled the total amount into the claim form, but there doesnt seem to be anywhere it asks for me to provide a breakdown of the claim. Do I not need to attach the spreadsheet or am I missing something?

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There's no need to attach the spreadsheet - You just need to enter the total amount and then the interest you have calculated. I assume that it would be up toyour bank to contest these figures if they chose to.

 

Andy

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Thanks for that Andy!

 

Does this get any more frustrating - first Halifax online isnt first thing this morning so I cant double check our balance before filing, so have to go to cashpoint to check. Come home all raring to go with the claim and guess what moneyclaim take solo cards (as they used to be) but not visa electron (as solo has been replaced with) aaaaarrrggghhh!

Have now had to transfer money into Visa account to cover payment and have to wait a further two days for it to clear into the account thanks to a post holiday balance! Soooo close and yet soooooo far - wont be able to file the claim till Monday now at the earliest (cant find smilie for very frustrated!!)

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Moneyclaim filed Friday morning - paperwork says deemed served by 6th Sept, moneyclaim site now showing 'acknowledged' yesterday, this is the scariest bit by far but I couldnt have read any more or learnt any more from this site so its more sort of confidently terrified!! will keep you posted:cool:

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hi Andy

 

charges total £1277 - they offered me £120 then £414 I chose not to respond and just carried on with my timetable, as most people here say you should. So we shall see what happens in the next few days, other people seem to be having pretty prompt responses so hopefully will be able to have a few serious glasses of wine at the weekend:cool:

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Please stick to one thread for this claim.

..

.

 

Opinions given herein are made informally by myself 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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Cheers ziggy but I have no intention of switching off from it now - received acknowledgement form today showing that Mr A O'Brian intends to defend!

OK - sleeves rolled up, lets go!!:cool:

 

If I pull this off then the only thing I shall consider in future to be half empty will be a cup of tea!!!! :D

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.... showing that Mr A O'Brian intends to defend! ....

 

Quick - look to the skies everyone! A pig, flying..... :o

..

.

 

Opinions given herein are made informally by myself 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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Cant believe it, just been to cashpoint and got a statement on a whim, its all there - charges, interest, court costs the lot!!!

 

WOOOOOOOHOOOOOOO yay yay yay go me!!!!!:D :D :D :D

 

Sadly I embarrassed my family by doing a victory dance outside Sainsburys :oops:

 

Have done survey and made a donation, thanks so much you guys you have all been brilliant.

 

Capital One next but I think I'll leave that till Monday - I can feel a seriously alcoholic weekend coming on!!! Good luck to everyone else - you dont need it though ;) just follow the procedure.

 

Halifax charges £1277

Interest £216

prelim: 20.6.06 LBA: 04.07.06 Moneyclaim: 1.09.06 settled in full 8.09.06

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Congratulations can you please pm a mod so they can update the database also.

and thank you for the donation

:) Go on ... you know you want to click me :)

:lol:don't be like the banks - give a little back :lol:

:D There was a time before CAG but now CAG is here we are the empowered! :D

In progress:

Mechs and Mother (deceased) V Halifax - N1 form filed at Court 9 Aug 06

Advice & opinions of mechs, The Consumer Action Group and The Bank Action Group are offered informally, without prejudice & without liability. Seek advice of a qualified insured professional if you have any doubts.

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