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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.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Was wondering if anyone would have any advise or other options?

 

Had an arrangement with a credit card company to make a monthly payment each month while in financial difficulties also my interest had been frozen for this duration.

 

I have now come to the end of arrangement but still in financial difficulites. Have sent another personal budget statement and asked to continue arrangement but they have replied saying they cant do this. The company concerned have stated they have two options, if in short term problems they will set up arrangement and suspend interest for six months which is what they have done with me. The second option is for long term problems which is to set up another arrangement the interest will be frozen but my account will have to be passed to collections department and account will go into default status. Anyone know what else I my be able to do don't want my account to be defaulted this will show on my credit file for 6 years, I think?

 

Any advise will be appreciated...

 

Lizzy

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I'm afraid that they can do this legally (morally is another question).

 

Do you think there are any charges on the account? If so, perhaps a SAR will give you the info and you can start reclaiming them, therefore reducing the debt.

All help is merely my opinion only - please seek legal advice if you need to as I am only qualified in SEN law.

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Thanks for answering my thread Tiglet.

 

No there aren't any charges. Just thought there may have been a loop hole. Doesn't seem fair I'm doing all the right things by keeping them up to date and sticking to my monthly payments, I know they have to earn some money from me but the amount I can pay at present and the added interest payments will mean my balance wont reduce?

 

Looks like I may have to default!

 

Lizzy

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Have you sent off the CCA request to ensure they have a legal right to collect the debt?

 

Could be a good bargaining tool if they don't ...

All help is merely my opinion only - please seek legal advice if you need to as I am only qualified in SEN law.

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Whats a signed enforcement agreement?

 

My account hasn't been defaulted yet but will if I have to take the long term option they advised me of, as they have already helped me on a short term bases. The only way they can help me now is pass my account to collections dept and and set up payment agreement and freeze interest but on doing this my account will have to go into default?

 

Does that make sense?

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Well, this is what they are saying to you - but lizzy - do you really think they will tell you all of your options?

 

A CCA request is basically asking them to prove they have a legal right to collect the debt. It should include all of the prescribed terms as set down by the Consumer Credit Act 1974.

 

If they do not have a copy which meets the terms, they cannot enforce the debt by legal means. this is a good way to bargain with them to freeze interest etc.

All help is merely my opinion only - please seek legal advice if you need to as I am only qualified in SEN law.

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No problem Lizzie - always best to weigh up all of the options and decide what is best for your situation.

All help is merely my opinion only - please seek legal advice if you need to as I am only qualified in SEN law.

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Not sure whether thats the right way to go as I'm not trying to avoid my debt and by going down that root I will be more or less saying I'm not paying and don't want to pay. If I did ask for a CCA request would my account be put on hold and would interest still be accumulating?

 

I'm so confused?

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I'm not advocating debt avoidance (and never would) - however, they are presenting you with limited options.

 

You have a legal right to ask for a copy of your CCA at anytime. If they cannot produce one, as I've said, you may be able to use that to negotiate them freezing your interest.

All help is merely my opinion only - please seek legal advice if you need to as I am only qualified in SEN law.

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dont forget the postal order for £1!

If i have helped you please click the scales :)

I am here on my own quest for help, although i work for T-Mobile and will gladly assist where i can i am not here as a company representative.

I am not legally qualified, if in doubt seek professional assistance :)

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