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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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Irresponsible lending


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Has anyone tried or been successful in making a claim for irresponsible lending?. i.e. for a credit card where they automatically increase your limit every couple of months. I know they say you can decline the increase but how many people bother until it's too late.

Please note: I have no qualifications in this area and any advice offered is given in good faith.

 

 

http://www.financial-ombudsman.org.uk/publications/Ombudsman-news/40/40_setoff.htm

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I don't know of any enamae, but it is one thing I am particularly interested in as the same thing happened to me - the rises in credit limits on my cards were beyond belief when I look back.

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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MY Husband had a credit card (recently settled), which started off with a limit of £500.00. They kept adding an extra £200.00 on every couple of months and it ended up at £4900.00. Not once did he request an increase just didn't get round to saying he didn't want any additional credit. Anyway managed to get the charges back just wondered if it was worth looking into the irresponsible lending aspect because I doubt whether they checked his credit rating every time they increased the limit.

Please note: I have no qualifications in this area and any advice offered is given in good faith.

 

 

http://www.financial-ombudsman.org.uk/publications/Ombudsman-news/40/40_setoff.htm

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It is something that has been talked about a great deal but I don't know of anyone who has achieved anything in court over it. I was helping someone with a bankruptcy recently - she is 65 on a pension and had been given ridiculous amounts of credit - and she had a great time!!!! We had a meeting with the official receiver last week and I mentioned this more than once but it remains to be seen whether it will have any bearing on things.

 

In my own situation most of the card companies couldn't produce a valid agreement so I got rid of a lot of debt (which was mostly charges and interest). Because I was meeting the minimum payments by DD (which actually reduced the debts by approx £5 per month) they kept increasing my limit. One of the cards was through the same bank I had massive overdraft problems with - so as you say if they had bothered to check within their own bank they would have known that the last thing they should have done was give me more debt.

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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Going by the Banking code (link below), I would have thought that they should be partially responsible if they don't take into account your ability to pay. We recently had a loan co write to us saying they had excess money that they were able to loan to existing customers. I sent off all the details and they came back with the relevant figures but they advised us(thankfully) that it was not advisable due to our income. That is what I call responsible lending.

 

BBA – British Bankers' Association - The Banking Code on responsible lending

Please note: I have no qualifications in this area and any advice offered is given in good faith.

 

 

http://www.financial-ombudsman.org.uk/publications/Ombudsman-news/40/40_setoff.htm

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Hi,

I too am very interested in this,

My very first credit card was given to me whilst I was in my early thirties, when I asked what the credit limit was they replied £5000. I said "OMG I don't even have a job" Bank assistant went very quiet and then piped up "well your husband does so thats what we are going by"

 

Also when these limits used to go up every couple of months we weren't written to, so sometimes you wouldn't realise happily thinking we must be in our credit limit & later find out its been increased! Later only to find a little bit printed on the bottom of your statement saying "call us if you don't want the increase"

The media keep mentioning irresponsible lending & high lighting cases.

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One of the cards was through the same bank I had massive overdraft problems with - so as you say if they had bothered to check within their own bank they would have known that the last thing they should have done was give me more debt.

 

Same with me, I had cc so did my hubby plus a loan and huge overdraft, bank charges being a regular thing, and bank thinks :idea: Lets give em some more debt to top it off, What a fab idea, But do we think its responsible lending?

Well they must have done as they did it to me, you & most of us on cag members I would imagine.

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God GL which lowlife made a 65 year old bankrupt?

 

She did it herself:o

 

:D

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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