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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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      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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MBNA/Restons claimform - old A+L Card **WON+COSTS**


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And whats one of them?

 

Someone who does all the work you have done for no fee, however, when you win they take a cut.

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PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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FB you did all you could.

At the next round its probably YOU who will be raising the stakes as regards costs......youve got some time now for preparing YOURS ;)

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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FB you did all you could.

At the next round its probably YOU who will be raising the stakes as regards costs......youve got some time now for preparing YOURS ;)

 

Cheers, keep an eye out on this thread cos i now want to stitch them bad !!! They just dont listen Surely a solicitor or barrister must know about DN's and yet they will sit in front of the judge with a load of tosh !!

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This is true FB but they have always pulled it off because they hae relied on the victim being uniformed and unable to come up with anything to challenge.

The tables are turning now tho......Caggers are giving them a run for their money-and boy do they not like that.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Wow FB,,,,,well done in tackling this in the way you did

 

yes i bet they thought it was going to be a walkover,,,,how cross they were i bet

 

chin up and more time for your own case to be even tighter,,,,

 

love it

laters angel x

Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

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Someone who does all the work you have done for no fee, however, when you win they take a cut.

 

Hi cB

 

I think fairby probably meant "what is a Financial Irregularities Claim?" BICBW ;)

 

 

 

Cheers, keep an eye out on this thread cos i now want to stitch them bad !!! They just dont listen Surely a solicitor or barrister must know about DN's and yet they will sit in front of the judge with a load of tosh !!

 

They will lose a case one day using that argument, and then go back into court the next day and argue the same thing again.

 

All over the country there are probably hundreds, if not thousands, of people having to go through the stress of going to court arguing something which has been proven in their favour many times before, yet because no precedent is set, they have to go through it all again.

 

In many ways the system stinks.

 

Cheers

Rob

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Hi cB

 

I think fairby probably meant "what is a Financial Irregularities Claim?" BICBW ;)

 

 

Cheers

Rob

 

Oops, thanks Rob. In which case.. what is one of them please :oops::D

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

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1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Hi cB

 

They will lose a case one day using that argument, and then go back into court the next day and argue the same thing again.

 

All over the country there are probably hundreds, if not thousands, of people having to go through the stress of going to court arguing something which has been proven in their favour many times before, yet because no precedent is set, they have to go through it all again.

 

In many ways the system stinks.

 

Cheers

Rob

 

Perhaps the advice to caggers should be to issue a claim or get the claim transferred to Chester and let the judges see MBNA's tatics. That way once their argument has been exhausted in one claim they will think twice to use the same again with the same judge

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Well Done Fairbyblue they think you have no defence and try and railroad there claims though the court system without checking there claim is solid. you life to fight another day now go sock it to them.

 

As im my case did they apply for this SJ before even supply your requested information.

 

Just trying to see if there is a pattern here they applied for my SJ in november 08 but did not respond to my CPR request until 30th December 08.

 

My Judge adjourned my trial because she could see MBNA tactics and thought it grossly unfair that the case should continue without my defence.

 

She was also not a happy bunny because the claimant was not there and put it in her order that i can decide if i want the claimant present.

 

I really hope that judges will see though this.

 

PF

Edited by pompeyfaith

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

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Perhaps the advice to caggers should be to issue a claim or get the claim transferred to Chester and let the judges see MBNA's tatics. That way once their argument has been exhausted in one claim they will think twice to use the same again with the same judge

 

The trouble is, I suspect (as I and one or two others have said elsewhere) its a case of the Restons tail wagging the MBNA/HFC/[insert creditor here] dog.

 

You would be forgiven for thinking that the banks would realise that Restons [et al] are going off on these jaunts and losing cases (and therefore costs against the banks), but the shame and reality is that they probably win many more cases than they lose this way because the majority of defendants do not know their rights and haven't found sites such as CAG. Sad but true.

 

The number of people who are aware is gradually increasing, but not fast enough, and while scumbags like Restons are able to railroad a majority of their claims through, I guess that is what they will continue to do.

 

IMHO, there should be some sort of directive or campaign aimed at educating judges to this behaviour and a requirement for legitimate documents to be produced at the claim stage as per CPR.

 

Rant over

 

Cheers

Rob

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FB can you please edit out the Judges name-I will unapprove this post-trust you will understand the reasoning.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Oh brilliant, fairyblue. Let them try and take the mickey out of the DJ and see where it gets them. :D

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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FB can you please edit out the Judges name-I will unapprove this post-trust you will understand the reasoning.

Ooops sorry, anyway here it is again

 

Hope Restons listen to what the judge is telling them !!!

 

generalorder1.jpg

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Thats excellent, its the directions i have been proposing for the last few months, and the first time i have seen them used:)

Please note i have no legal training any advice i give comes from my own experience and from what i have learned on this site

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Re the orders from the court;

 

Absolutely brilliant result fairby :)

 

Looks like that's Restons/MBNA b0110xed then. ;)

 

What with having to bring to court the original executed agreement, ALL statements since the account was opened, and proof of service of the DN.

 

That last one should stump them if the others don't!

 

Cheers

Rob

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Re the orders from the court;

 

Absolutely brilliant result fairby :)

 

Looks like that's Restons/MBNA b0110xed then. ;)

 

What with having to bring to court the original executed agreement, ALL statements since the account was opened, and proof of service of the DN.

 

That last one should stump them if the others don't!

 

Cheers

Rob

 

I wonder which DN they are going to try and prove service, cos they have admitted the first one was invalid, so therefore contract terminated so therefore cant default something that doesnt exist !!!

 

Surely someone there must go "Hang on we are stuffed here, lets forget about all this nosense" They wont cos i am looking forwarded to Round 2. !!!

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I wonder which DN they are going to try and prove service, cos they have admitted the first one was invalid, so therefore contract terminated so therefore cant default something that doesnt exist !!! I guess technically they wouldn't have to prove service of the first as you have the original and are using it as part of your defence. But can they actually prove service of either DN? I guess you received both by normal post, not signed for.

 

Surely someone there must go "Hang on we are stuffed here, lets forget about all this nosense" Doubtful, they're a bit too blinkered for that, and they're probably getting paid by MBNA even though they're wasting costs. Don't forget to claim your own costs after you've won this. They wont cos i am looking forwarded to Round 2. !!!

 

And you've been given the opportunity to submit a fully particularised defence, although I don't really understand the implications of the implied 'if' of Para 2 of the orders. That could yet turn out to be a mighty big IF and could be the crux of the matter!

 

If you do get to the stage of submitting an amended defence, you will be able to have a good think in what to submit and let them have it with all guns blazing! (not that I think you haven't already got them over a barrel).

 

Cheers

Rob

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And you've been given the opportunity to submit a fully particularised defence, although I don't really understand the implications of the implied 'if' of Para 2 of the orders. That could yet turn out to be a mighty big IF and could be the crux of the matter!

 

If you do get to the stage of submitting an amended defence, you will be able to have a good think in what to submit and let them have it with all guns blazing! (not that I think you haven't already got them over a barrel).

 

Cheers

Rob

 

Rob, I dont understand the implied IF,

 

If they do bother to do what court says i will amend my defence, my staement to the court up to now is in reply to Summary Judgement as was made.

 

I will be going in with lods of ammo,

 

Cheers

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