Jump to content


  • Tweets

  • Posts

    • 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!!    
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

kemjvm -v- barclays


kemjvm
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6326 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi

 

I've sent of my "Letter Before Action" letter demanding my charges back. However, since sending the letter specifying the amount to repay, I have been charged again. What do I do? Do I send and additional letter stating that the amount has risen, or do I have to send the LBA letter all over again?

 

Many thanks

Link to post
Share on other sites

  • 3 weeks later...

Had an incident recently where Barclays have charged me 2 x £35 in one day for returning 2 items (one of which shouldn't have been returned anyway, so was a mistake!). Then I got a letter saying "we've charged you £35 for this item (only referring to one item) and we will only charge you £35 once, each day on each account". :confused:

 

Phoned them up and after being on hold for about 20 minutes while the call centre guy scratched his head and called someone who knew a *little* more about banking than him, I was told by the second guy "you were charged twice because they were both different payment types". Basically even though I was telling him what the letter said, he was still confident that I was being charged because they were 2 different payments types. According to this guy, if they had both been Direct Debits for example, I would have been charged only one £35 charge! :confused:

 

I told him how bad this was and that the letter didn't support what he was saying. I demanded both charges back, which at first he refused. Then I basically said I wanted both back, and if I didn't get them both they were both being included in the amount I was going to claim from them as they are illegal charges. It was like the penny dropped, and immediately the guy turned "human" (or as human as he could be!) and refunded both charges.

 

I've looked back on my statements (I've already sent LBA out this week) and there were another 2 cases where this happened. Not a legal person, but I assume that if needed, people could use this breach in "Rules & Regulations" (or whatever you want to call them) if you need to in court. I've read the odd one or two threads on here where people have noticed they've been charged more than once in a day for returned/unpaid items, so I know I'm not alone.

 

Anyway, thought it may be of interest to some on here.

 

Keep fighting guy's, and good luck to you all :grin:

Link to post
Share on other sites

Barclays say they will only charge one charge of each type on a day. Was one of them a bounced cheque and one a direct debit or something like that?

BEFORE starting your claim read through the FAQ's and if there's something you aren't sure of then ask.

If you win, donate to this site

Contents of my posts are purely my own personal opinions, some formed by personal experience and some from research. If in doubt seek qualified legal advice.

 

Link to post
Share on other sites

  • 2 weeks later...

Hi all!

 

Here's where I am up to with my claim.....

 

Looked through statements and added up the charges. Sent off both letters (the request for repayment & LBA). I have this week received a letter back from Laurence White (pp'd by M E Kelly) offering a good will gesture of approx 50% of my claim.

 

This all seems to be standard from what I have read on other posts.

 

So, my next step....... do I write back and say

  1. I accept it as PARTIAL settlement (and amend the acknowledgement form) and advise I will pursue the rest, or do I
  2. write back and say I don't accept it as it isn't the full amount and therefore I will begin court proceedings? (and should I give them another 14 days, even though they have now had over 28 to settle this?)

From what I've seen, barclays seem to withdraw their offer if you don't accept as a "full and final settlement" so I'm I just wasting my time with option 1, and therefore should I just go for option 2?

 

Thanks in advance

Link to post
Share on other sites

Barclays say they will only charge one charge of each type on a day. Was one of them a bounced cheque and one a direct debit or something like that?

 

Erm, 1 Cheque, 1 Standing order. Wouldn't mind but the cheque was guaranteed and i paid the additional money in at 9am when the branch opened (never had a prob in the past if I did this, even if a cheque wasn't guaranteed)! Since then the company who got my cheque back then put through a card purchase on my debit card (without my authorisation) for the amount of the cheque (they had an imprint of my card on the back of the cheque). I know this isn't allowed, and this company hasn't sent my cheque back.

 

Vampiress - thanks for your help, and sorry about the different threads :)

Link to post
Share on other sites

Erm, 1 Cheque, 1 Standing order. Wouldn't mind but the cheque was guaranteed and i paid the additional money in at 9am when the branch opened (never had a prob in the past if I did this, even if a cheque wasn't guaranteed)! Since then the company who got my cheque back then put through a card purchase on my debit card (without my authorisation) for the amount of the cheque (they had an imprint of my card on the back of the cheque). I know this isn't allowed, and this company hasn't sent my cheque back.

 

Vampiress - thanks for your help, and sorry about the different threads :)

No problem.

 

Ok, if another company has taken money from you twice, you should take it up with them.

 

With regards to how the charges occured, don't worry, you'll get it back anyway, but for future reference you'd be best to phone your bank and ask them.

[

Link to post
Share on other sites

Just drafeted the following:

 

I refer to your letter dated [date].

I am writing to advise you that I do not accept your offer of £x as full and final settlement for charges placed on my accounts.

Please be advised that I will now begin court proceedings as previously advised.

 

Yours faithfully,

 

Do you think this is Ok?

Link to post
Share on other sites

Perfect. :-)

 

I'm guessing you've got your claim and schedule all sorted ready to go, right?

 

Just been reading through the forum this evening to try work out what I need to do! i also need to put in a claim for HSBC too cos they're up to their tricks!

 

Sorry to be a pain, but can you advise where is best to look/start etc?

 

I've printed out the guide notes for moneyclaim etc and trying to understand things from there.

 

Thanks again

Link to post
Share on other sites

Always the FAQ's and Libraries hun. Lol.

 

I haven't any knowledge of moneyclaim personally. I found an N1 form easier to do as you can attach your schedule at the same time and are not limited for words.

 

Actually going to the court to submit your form is a good experience too.

[

Link to post
Share on other sites

Always the FAQ's and Libraries hun. Lol.

 

I haven't any knowledge of moneyclaim personally. I found an N1 form easier to do as you can attach your schedule at the same time and are not limited for words.

 

Actually going to the court to submit your form is a good experience too.

 

I honestly did (honest). Was just back in there now, but why did it take me so long to see **FAQ** and click the link!? Ha ha!

 

Anyway, then found the step-by-step instructions which I had seen before. No excuses, I'm being an idiot :D

 

You have been most helpful (but don't go away!....)

 

I will file my claims asap.

 

Cheers a lot

Link to post
Share on other sites

You do realise you're interrupting my spreadsheeting. All these people wanting to claim contractual rate will be tut tutting at you. Lol.

 

Have fun, and let us all know how it goes.

Don't get bogged down, a day or two late will only work in your favour.

 

Now I must go spreadsheet!! ;-)

[

Link to post
Share on other sites

  • 2 months later...

Hi All! Long time no post!

 

So, here's where I am...... I wrote back to Barclays and refused offer. Then started my claim online. They defended and I eventually received my allocation quationnaire. Serached the forums and found details for completing this.

 

Just completeing the form now and will have it back to the court some time soon.

 

Good luck everyone!

 

:)

Link to post
Share on other sites

  • 3 months later...

Hi all!

 

Just a quick one for a little advice.

 

I got a letter from the county court with a date for "Pre Hearing Directions". little confused. Does anyone know what this is? Is this the "big day" when the judge will decide who wins?

 

There are 2 pages. The first titled "General Form of Judgment or Order" says:

 

Before DISTRICT JUDGE XXX sitting at the courthouse.

IT IS ODERED that this matter be listed for pre heaing directions on (date & time)

 

The 2nd page titled "Notice of PRE HEARING DIRECTIONS" says:

 

TAKE NOTICE that the PRE HEARING DIRECTIONS will take place on xxxx when you should attend.

Please note: This case may be released to another Judge, possibly a different court.

 

No details regarding sending in documents etc.

 

Can ayone explain what this means?

 

Thanks :)

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...