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Ex DCA/Bailiff employee here to help Caggers.


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Greetings all,

Firstly I will give a brief explanation of my past....I am an ex-employee of a debt collection / bailiff company who work on behalf of many local authorities / councils. I left this business due to the sickening actions of these rich money grabbing people. There are so many things I could say but again I will keep it brief.

The owners of the business I worked for were adding 'illegal' fees to many accounts and then giving permission to their staff to remove these fees 'if debtors complain about them'.

Many debtors received letters saying they had to increase their payments (on the instruction of local councils) or suffer enforcement action but in truth the councils knew nothing about this at all. As well as this, bailiffs were instructed to leave letters saying that debtors would be made bankrupt if they didn't make payments. I spoke to the CAB who advised me that this is not possible as their debts were usually only in the hundreds of pounds.

There are so many other issues I could go into but I fear this message would continue for far too long. My main issue is the illegal fees, surely the owners could suffer severe action for this?

I don't want go go into names but if there are any trustworthy people out there who believe in this cause as well then I would love to help out, as I feel it is so very unfair to those who are suffering and struggling to make small payments when the owners are making so much from them.

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Hi justaconsumer-whilst I'm sure that your thread will get a number of reviews and postings it might attract more attention if you revise your title to something a little more eye grabbing like..

 

ex-employee of a debt collection / bailiff company offers advice

 

or something along those lines.

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Yes I agree.

Welcome to the site,many of our members are very aware of some of these things that you speak of,in fact many will have experienced at first hand those practices too.

You are more than welcome to the site and if you can help some people then thats great.

I have no doubt that there will be lots of questions coming your way,some of which you will be able to answer some which you wont,by nature of what you have already said here.

I will change your thread title to reflect your comments.

Lets hope that the experience here can be a mutual one and that members may well be able to assist you with things too.

Just be aware that over the years CAG has had many DCAs here in the guise of wanting to help,and others have been here (and still are) for all the wrong reasons...therefore it may take longer for some members to give you their trust than others-its nothing personal,just the way it is.

Edited by MARTIN3030

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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I welcome your views, a close friend has a twin brother who is a bailiff and I am getting them interested in this site, the guy is a 'warrant bailiff' for a large company who are used by some to frighten people into payments they can't make.

 

What I want to know is why the councils employ bailiffs in the first place for council tax, I was told 'its in government legislation' but many people, including myself, couldn't afford the £180 a month for council tax, that represented most of my residual income at one point and I got stung for £1,000 by the time fees had been added, I actually owed the council 4 payments!. The upside was once the council realised their 'mistake' I didn't pay any council tax for the following year...

 

The whole debt collection industry as a whole needs to look at the 'added fees' structure. Most people (I think this is at least 65% of people, if not more) want to pay their debts, and often have very limited means and no help from the DSS or whoever... I didn't get help as I wasn't deemed 'vulnerable' and my income was £1.50 over the 'limit'...

 

Bailiff law goes back to 1247 and needs to be brought up to date, and bailiffs (and the police) need to be aware that many of the practices carried out have been illegal for some time now.

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Subscribing...

"To love unconditionally is the greatest gift, laughter is a close second" .To give your time to help others after being helped here is the best way to show your appreciation to your fellow CAG members.

 

Please note that this advice is given informally, without liability and without prejudice. Seek the advice of an insured qualified professional if you have any doubts. All my knowledge has been gained here, for which I'm very grateful. I'm a Journalist, not a law professional.

 

If you do PM, make sure to include a link to your thread as I don't give out advice in private ;)

BB 13 - DCAs/banks and solicitors 0.

 

I get a fresh start to get on with learning to live with severe disabilities when they could have had something if they'd been understanding...

 

<--- If you feel I've helped, please twinkle my star :)

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Bailiff law goes back to 1247 and needs to be brought up to date, and bailiffs (and the police) need to be aware that many of the practices carried out have been illegal for some time now.

 

I absolutely agree SG - I believe we need a campaign to "educate" police forces throughout the UK, too many times we have heard of bailiffs calling the police to assist them and the police taking the bailiff's side. These bailiffs are taking advantage of the fact that most police officers have no idea if they are supposed to assist, but a bailiff waving a"warrant" seems to swing things :mad:

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My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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Greetings all,

Firstly I will give a brief explanation of my past....I am an ex-employee of a debt collection / bailiff company who work on behalf of many local authorities / councils. I left this business due to the sickening actions of these rich money grabbing people. There are so many things I could say but again I will keep it brief.

The owners of the business I worked for were adding 'illegal' fees to many accounts and then giving permission to their staff to remove these fees 'if debtors complain about them'.

Many debtors received letters saying they had to increase their payments (on the instruction of local councils) or suffer enforcement action but in truth the councils knew nothing about this at all. As well as this, bailiffs were instructed to leave letters saying that debtors would be made bankrupt if they didn't make payments. I spoke to the CAB who advised me that this is not possible as their debts were usually only in the hundreds of pounds.

There are so many other issues I could go into but I fear this message would continue for far too long. My main issue is the illegal fees, surely the owners could suffer severe action for this?

I don't want go go into names but if there are any trustworthy people out there who believe in this cause as well then I would love to help out, as I feel it is so very unfair to those who are suffering and struggling to make small payments when the owners are making so much from them.

Based on this your first post, a very warm welcome to you, Justaconsumer. :)

We will not be intimidated.

'The pen is mightier than the sword'.

Petition to Outlaw Debt Sale and Purchase

- can't read/post much as eye strain's v.bad.

VIVA CAG!!! :)

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Hello again all,

I really only started this thread to find out if there was a way to stop these people basically stealing money by adding illegal fees but if I can help anyone in any way then that is even better. I shall be here to answer any questions anybody has.

Thanks for the warm welcome!

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Unlawful fees are against OFT guidlines and the CPUTR 2008 (which is law and came in to effect as legislation last year).

 

How did the company that you worked for justify hounding people with these fees?

"To love unconditionally is the greatest gift, laughter is a close second" .To give your time to help others after being helped here is the best way to show your appreciation to your fellow CAG members.

 

Please note that this advice is given informally, without liability and without prejudice. Seek the advice of an insured qualified professional if you have any doubts. All my knowledge has been gained here, for which I'm very grateful. I'm a Journalist, not a law professional.

 

If you do PM, make sure to include a link to your thread as I don't give out advice in private ;)

BB 13 - DCAs/banks and solicitors 0.

 

I get a fresh start to get on with learning to live with severe disabilities when they could have had something if they'd been understanding...

 

<--- If you feel I've helped, please twinkle my star :)

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Hi Babybear,

What the company does is add 'visit fees' on to unpaid road traffic fines when a bailiff hasn't even been allocated to the debt. Occasionally people call up with legitimate reasons why it was impossible that a bailiff could have seen the car (sold it or was in the garage etc) and they just apologise and say it was a mistake and the fees were added by accident. These fees aren't small either, I remember one lady calling asking why 130 pounds was added to a debt when the car wasn't even at her address and no bailiff had called. Basically the company are adding on fees and hoping people don't question it. They must have made thousands just from doing that.

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Hi Babybear,

What the company does is add 'visit fees' on to unpaid road traffic fines when a bailiff hasn't even been allocated to the debt. Occasionally people call up with legitimate reasons why it was impossible that a bailiff could have seen the car (sold it or was in the garage etc) and they just apologise and say it was a mistake and the fees were added by accident. These fees aren't small either, I remember one lady calling asking why 130 pounds was added to a debt when the car wasn't even at her address and no bailiff had called. Basically the company are adding on fees and hoping people don't question it. They must have made thousands just from doing that.

 

Well then it's your civic duty to report these **** to the police or council and any other clients for FRAUD!!!

 

I sincerely hope you have.

"To love unconditionally is the greatest gift, laughter is a close second" .To give your time to help others after being helped here is the best way to show your appreciation to your fellow CAG members.

 

Please note that this advice is given informally, without liability and without prejudice. Seek the advice of an insured qualified professional if you have any doubts. All my knowledge has been gained here, for which I'm very grateful. I'm a Journalist, not a law professional.

 

If you do PM, make sure to include a link to your thread as I don't give out advice in private ;)

BB 13 - DCAs/banks and solicitors 0.

 

I get a fresh start to get on with learning to live with severe disabilities when they could have had something if they'd been understanding...

 

<--- If you feel I've helped, please twinkle my star :)

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babybear its easier said than done to stop these things from happening.Even with most of these firms aware of sites like CAG -they continue without batting an eyelid.

Justaconsumer was part of a cog that forms the engine-one which covers up more- than a million MPs expense claims.

 

It is regulation and education that will make any change-one firm of bailiffs uncovered will not impact on the rest.

Justaconsumer-since you have worked in these places and ask the question how they can be stopped-you have probably seen more than most -can you give us some more insights into your experiences-for example how far up the chain it goes who is aware ?

and are there individual incentives given for results ?

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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I haven't informed anybody yet, I want to do this properly, otherwise they will just get away with it. They know people in the right places too (the ESA for example).

The 'funny' thing about this is everybody knows they are adding on these fees, the owners, the managers/team leaders and other members of staff but because they seem to have built up this image of debtors being the worst people in the world, the staff just think they deserve it and back up the company. I know they are still doing it now as well.

I don't know if there are incentives further up the chain (it wouldn't surprise me if managers/supervisors get extra to keep their mouths shut) but there were no incentives at all for the general members of staff who take the calls and send out letters etc.

There are other fees added on too, these are legal but extortionate and the councils have the power to remove them but most of them are not aware of them. There is one fee that always baffled me called the 'section 5 head h fee' I think, they described it as a fee 'to put the goods back in the ownership of the debtor after the debt is paid'. Anyone else heard of that one?

Anything else you need to know?

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there is a post in the bailiffs section where the have added a fee £24.50 if my memory serves me correct under head h this fee was added the same day as a walking possession fee and levy fee so i know it is an unlawful fee but don't know what a head h fee is

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ps I am not drunk my keyboard is recovering from a rain incident and nt all keys work!

:D:lol:

 

I've got one that's had orange juice all over it and makes me spell like a 3 year old..:rolleyes:

[sIGPIC][/sIGPIC]

 

They say money talks......mine just keeps saying "Goodbye"

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our parrot has a liking for keyboards, he stripped all the keys of old keyboard, while I wasn't looking. He's only managed to get a few of this one though, I've got my "I" on him

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