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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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Andy v CapOne


andyford2000
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Andy

 

I have received your email and looked over the agreement. From what i can see the agreement looks like it is Enforcable. This looks like a new agreement though, how long ago did you take this out?

 

The charges are stated as being £12...

 

You have definately not asked for PPI as the box has'nt been ticked.

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Hello andyford2000!

 

...the only thing i ever signed was the application form, and i thought they werent enforecable

 

An Application Form is potentially Enforceable, but it would need at least your Signature and the Prescribed Terms.

 

Beware that CapitalOne have a habit of mocking up Application Forms by adding Terms to the back of the Photocopy.

 

It may look Enforceable at first glance, but the question then arises, do they have the Original?

 

Look at what they have sent, and see if there are significant differences between the sides, i.e. does one have black fold marks where you folded it into an Envelope before sending it back to them, whereas the other Page is Virgin White with no black fold lines...that sort of thing.

 

2002 is a while back now, so they would need this to be a Signed Application Form/Agreement and can't say it was done on-line etc.

 

Hope this helps.

 

Cheers,

BRW

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Ah i see now Andy, i thought you had Tipexed it out. It has to be signed..

 

The terms and conditions look like the latest ones, as the charges are stated as £12..

 

They should have sent you the terms and conditions from the time you opened the account.

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they only thing i ever signed was the piece of paper that said application form, so i guess its not enforceable, so i could go for both ppi and charges nowplease confirm this is correct

 

Yes correct ;)

 

You seem to be making hard work out of one of the easy banks :p:p

 

 

JOgs

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Hi Andy,

 

Save your scan as a 'word' doc. (Make's it easy to edit your own details out)

 

Upload to something like 'Potobucket' Image hosting, free photo sharing & video sharing at Photobucket

 

Click on the 'insert imade' button and away you go !!

 

Lex

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This is always worth referring to

 

 

 

 

 

Advice & opinions given by me are personal, are not endorsed by the Consumer Action Group or the Bank Action Group. Should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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cheers

 

right when i asked for the CCA request last year, this is what i got in return. 3 pieces of paper in total

 

 

7thSeptember20071.jpg

 

 

 

7thSeptember20073.jpg

 

now there is this page too, but it if you look closely you cannot see the fold marks on it like the one above. I have read somewhere that capital one do this quite a lot, trying to make the document look like they were back to back agreements. I would welcome peoples thoughts. when i pressed them to see an enforecable agreement at an earlier date they send me last scanned one before suddenly finding this one. Not realy sure what this means, think they may be trying to pull some kind of fast one., will attach that one too.

 

7thSeptember20072.jpg

 

this

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Hello AF2000!

 

Not realy sure what this means, think they may be trying to pull some kind of fast one...

 

That may well be an accurate observation.

 

They want you to think they have a document with your Signature and the Prescribed Terms...hence the appearance of this new 2nd Page (with no Fold Marks that match the 1st Page...crease proof paper perhaps?).

 

How convenient for them.

 

Cheers,

BRW

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Hi Andy if it is of any help I have just completed a case for my mother against cap 1...... I claimed the 15.9 they charged her..... initially they refused. but as the hearing was tomorrow and I stood my ground they paid the remainder into her account on friday....

 

Funnily enough when I aske dfor the cca they ignored it for 3 months and only when i mentiond the fsa did they send... a copy of the application form.....lol

 

they will acknowledge your claim when you submit the court action..... submit the usual basic defence....then go for the additional 14 dyas..... making it 28 in total.....

 

then you will get a court date....... you may also get and AQ request which costs £35 ( it is reclaimable) they will play brinkmanship with you..... STAND FIRM

 

the very worst that can happen is you only get the basic 8% and if you are lucky you willget the 15.9 a difference of a few hundered pounds......

 

Now if they cant produce the original am not sure here but someone smarter than me will know you might even be able to reclaim every payment...

 

hope some of this helps:)

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rockin all over the world

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  • 3 weeks later...

right, for all those who have been following this thread. I could really do with a final answer on this now, are my POC 100% correct for this

 

I have received this today, and will need to file my action N1 on tuesday at the latest now.

 

comments and observations appreciated please

 

cartersolicitors004copy.jpg

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Hi again Andy,

 

As one of the Mods stated in an earlier post, your POC looks great, the red bit is fine.

 

On a side note, you could save yourself £85 and let Bryan Carter issue the court papers ;)

 

You then defend the whole of the claim using 'offset', so you don't pay a penny and still win.

This is just a very small point but it will save you a bit of money upfront on court fees.

 

If you make a counter claim you also have to pay a court fee.

 

However, if you say that, as part of your defence, you have the right of equitable set-off of these charges against the amount claimed then you are counter-claiming the charges but you don't need to pay the fee

 

If anybody is interested here is a bot about the different types of set-off:-

 

The 1958 Court of Appeal decision in the case of Hanak -v- Green is regarded as one of the key decisions defining the modern law of set-off. It may now be said there are four forms in which a set-off can arise: 1) Mutual liquidated debts (sometimes called legal set-off). A cross claim can be set-off as a defence if the amount of the debt is known or can be readily and without difficulty ascertained. 2) Equitable set-off (sometimes called transaction set-off). The test as to whether a cross claim can be relied upon as an equitable set-off is whether it is so closely connected with the claim that it would be manifestly unjust to allow the claim without taking into account the cross claim. 3) Contractual set-off. The contract may dictate certain procedures that must be observed to preserve the right to apply a set-off 4) Statutory set-off. For example, under rule 4.90 of the Insolvency Rules 1986 an employer can set-off any claims it can prove against monies owing to an insolvent contractor. (thanks Nicklea)

 

Hope this helps

 

JOgs

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well thats it now,

 

just back from the Court and papers filed, cannot believe how long this has taken me, just hope i havent made any mistakes in POC.

 

watch this space i guess,

 

what does puzzle me is, what if there proceed and file against me today too

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