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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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Barclays Firstplus questionnaire


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Hi all,

 

Having sent off my SAR and lodging my complaint about being missold PPI they have responded saying they will come back to me by 16th March but have also included a complaints questionnaire to help them investigate my case. I haven't read anyone else having received this, is it common practice and am i ok to complete ie. It won't detrement my case in anyway by filling it in? I know it sounds silly but just wanted to check.

 

Appreciate any views. Thanks.

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Hello Dr C,

 

Hi all,

 

Having sent off my Subject Access Request and lodging my complaint about being missold PPI they have responded saying they will come back to me by 16th March but have also included a complaints questionnaire to help them investigate my case. Be wary of this as a lot of banks etc have sent questionnairs to delay the claim and to get information from the claimant, that they have either lost or mis-placed. You could be helping them if you fill in the questionnaire so beware and put the ball back in their court. Namely you have a filing system with archives so use it;)I haven't read anyone else having received this, is it common practice and am i ok to complete ie. It won't detrement my case in anyway by filling it in? I know it sounds silly but just wanted to check.

 

Appreciate any views. Thanks.

 

That's my view make them do the work. You are claiming against them, they can ask you for information to assist them with the SAR but a lot of the time the questionnaire is a delaying tactic and used to fill in for information they no longer have despite the rules on retention of documents.

 

hope this helps you

 

aa

 

see this for loads more info...........

 

links

I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

------------------------------------------------

Bank charge successes:

Halifax - Full settlement incl interest.

HSBC - Settlement, goodwill no admission of liability about 75% of claim.

RBS - Settlement, goodwill no admission of liability about 70% of claim.

2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did :mad:

PPI Successes

PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.

2 claims settled in full with LV without FOS involvement.

2 claims settled in full with HSBC without FOS involvement

 

PPI Claims ongoing with:

Cap one Now with the FOS

Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.

LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc

 

1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..

Post 290 from

***RBS PPI Claim Long fight but, WON***

 

Please do not PM me for advice as it may be sometime before I can respond.

 

Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.

 

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  • 3 weeks later...

I didn't send back the questionnaire but have today received another letter stating that they remain committed to resolving my complaint as quickly as they can and will contact me again by the 15th April, this is a further month on from the 16th March. I think that they have 8 weeks to comply to the original request that I complained on is this correct and therefore is it just a case of waiting?

Thanks in advance for any advice!

 

Dr C

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Hello Dr C,

 

I didn't send back the questionnaire but have today received another letter stating that they remain committed to resolving my complaint as quickly as they can and will contact me again by the 15th April, this is a further month on from the 16th March. I think that they have 8 weeks to comply to the original request that I complained on is this correct and therefore is it just a case of waiting?

Thanks in advance for any advice!

 

Dr C

 

It is a while since I started my claim against RBS. They took months to respond but if you have made a claim for mis-sold PPI they do have 8 weeks to respond or not respond. In my case I got a response on one claim saying go to the FOS, so I did and got a success on the other one I had no response so again went to the FOS and got a success also got a complaint upheld against them with the ICO. Took a long time but got some sort of success in a way please see my very long thread and if you can use any information or pointers or letters to your advantage, please help yourself to copy and amend etc;)

 

 

***Long fight but, WON***

 

hope this helps in you fight

 

aa

I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

------------------------------------------------

Bank charge successes:

Halifax - Full settlement incl interest.

HSBC - Settlement, goodwill no admission of liability about 75% of claim.

RBS - Settlement, goodwill no admission of liability about 70% of claim.

2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did :mad:

PPI Successes

PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.

2 claims settled in full with LV without FOS involvement.

2 claims settled in full with HSBC without FOS involvement

 

PPI Claims ongoing with:

Cap one Now with the FOS

Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.

LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc

 

1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..

Post 290 from

***RBS PPI Claim Long fight but, WON***

 

Please do not PM me for advice as it may be sometime before I can respond.

 

Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.

 

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Hello Dr C

 

I will put your thread into my favourites list so I can keep a track but PM if you have trouble.

 

aa

I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

------------------------------------------------

Bank charge successes:

Halifax - Full settlement incl interest.

HSBC - Settlement, goodwill no admission of liability about 75% of claim.

RBS - Settlement, goodwill no admission of liability about 70% of claim.

2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did :mad:

PPI Successes

PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.

2 claims settled in full with LV without FOS involvement.

2 claims settled in full with HSBC without FOS involvement

 

PPI Claims ongoing with:

Cap one Now with the FOS

Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.

LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc

 

1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..

Post 290 from

***RBS PPI Claim Long fight but, WON***

 

Please do not PM me for advice as it may be sometime before I can respond.

 

Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.

 

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  • 5 weeks later...

Ok next bit of help please, received reply from First plus having previously asked for one extension they have now written saying the following.

"We are not yet in a position to provide you with a full response to your complaint but we are investigating the issues you raised. We will contcat you again no later than May 13th. a full response has taken a little longer than expected and at this stage you do have the option to ask the Financial Ombudsman Service to review your complaint, if you do wish. I very hope to resolve your complaintg without the need to do this. Blah blah blah, contact us if you wish on this number etc"

 

So what do I do, take it to the FOS or give them the extra month they are asking for, any advice?

 

Thanks

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Ok next bit of help please, received reply from First plus having previously asked for one extension they have now written saying the following.

"We are not yet in a position to provide you with a full response to your complaint but we are investigating the issues you raised. We will contcat you again no later than May 13th. a full response has taken a little longer than expected and at this stage you do have the option to ask the Financial Ombudsman Service to review your complaint, if you do wish. I very hope to resolve your complaintg without the need to do this. Blah blah blah, contact us if you wish on this number etc"

 

So what do I do, take it to the FOS or give them the extra month they are asking for, any advice?

 

Thanks

 

I would not give them any more time give the FOS a call and start a complaint they will do the startup of the complaint form then send it to you for completion. You fill in the blanks and send it back with copies of all correspondence also bang in a complaint to the Information Commissioners Office for their failure to comply with the Data Protection Act 1998.

 

Links to both are here....

 

Links that may help with your claim for Mis-sold PPI

Financial Ombudsman Service

 

http://www.financial-ombudsman.org.u...-insurance.pdf

 

 

For the Information Commissioners office. (this is an option if the DSAR is not complied with)

http://www.ico.gov.uk/upload/documen...ess_rights.pdf

 

Information Commissioner's Office - Information Commissioners Office

 

http://www.ico.gov.uk/upload/documen...lain_final.pdf

 

Complaints - Information Commissioners Office

 

Time to get serious with them.;)

 

aa

I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

------------------------------------------------

Bank charge successes:

Halifax - Full settlement incl interest.

HSBC - Settlement, goodwill no admission of liability about 75% of claim.

RBS - Settlement, goodwill no admission of liability about 70% of claim.

2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did :mad:

PPI Successes

PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.

2 claims settled in full with LV without FOS involvement.

2 claims settled in full with HSBC without FOS involvement

 

PPI Claims ongoing with:

Cap one Now with the FOS

Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.

LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc

 

1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..

Post 290 from

***RBS PPI Claim Long fight but, WON***

 

Please do not PM me for advice as it may be sometime before I can respond.

 

Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.

 

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  • 1 month later...

ok quick update - had another holding letter from FP so feel 3 months is now taking the mick. Had called the FOS and received all the paperwork, completed it and sent it off today so will keep you all posted if any news but having read other threads sounds like I may be in for a long wait........

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