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    • i would suggest you look at the dates of posts on those other forums paypal do not sell debts and even if they do, there is stuff and all any debts buyer could do yo you in the UK. forget it, or even better go complaint to your bank and tell them paypal did not advise you £1200 would come out of your a/c, which they should do, and that it was the result of fraud. you don't have to tell them any details.   as for the rest of your debts..   debt IS NOT A CRIMINAL OFFENCE IN THE UK..where the beep did you get that from!!   pers i'd be opening a parachute account and getting asll your income paid into that so NO-ONE can get their hands on it. cause NW are just about to introduce 40% OD int rate and they will forever be draining you of money   get OUT NOW from them.   dx      
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[EXHIBIT x, x & x].   5) On 30/07/19, I received a claims form from the County Court Business Centre, Northampton, for the amount of £369.84. The claimant contends that the claim is for the sum of £369.84 in respect of monies owing under an alleged agreement with the account no xxxx  pursuant to The Consumer Credit Act 1974 (CCA).   6) Contained within the claimants particulars the claimant states that the account was subject to assignment from Provident to Vanquis. The claimant states a further assignment to them occurred on 12/06/2017 with notice given.    7) It is denied notice of assignment from Provident to Vanquis and subsequently Vanquis to Lowell were ever received.    😎 The claimant states documents were received at both addresses. The claimant doesn’t appear able to confirm my address and therefore cannot say with certainty said documents were received. Furthermore, the client did not issue said documents and therefore cannot prove delivery.     9) It is denied any communication took place with myself and Vanquis Bank Limited. Any alleged legal assignment to part of the “Fresh Start” initiative had not been informed. I have no previous knowledge.   10) Under the consumer credit act 2006, until debts have been repaid, there is an obligation to send statements and notices to the debtor at prescribed intervals at no more than 12 months. The statement should explain the money borrowed, money paid, interest in all cases and the outstanding amount. Consequences of failing to make repayments and the opportunity of making minimum payments should be informed. The Claimant has submitted a statement of accounts dated March 2019. This having followed my request for a credit consumer agreement. It is denied this document and any such required statement of accounts required under section 77A during the alleged agreement were ever received.   11) The claimant states that a default notice was issued on 18thJanuary 2017. The payment date requested by Vanquis Bank Limited on said document is  28thFebruary 2017. The formal Notice of Default that was accompanying this letter displays a requested payment date, 28thFebruary 2019. (Exhibit x, x)   12) I argue that this is not in fact a COPY of an original default notice, that they state was issued during February 2017, but that this is a fabricated version of a default notice created by Lowell. Either way the default notice was not issued by the assigned creditor (Vanquis).   13) It is therefore contended that the original creditor failed to serve a valid Default Notice pursuant to section 87(1) Service of a notice on the debtor or in accordance with section 88 (a “default notice ”) is necessary before the creditor or owner can become entitled, by reason of any breach by the debtor of a regulated agreement.   14) The Claimant states a default notice was not required. If there is a default in payments during the fixed term a default notice must be issued. The Claimant states they were informed a default notice was sent on 18thJanuary. The Claimants case relies upon being informed and does not constitute fact.   15) It is denied a default notice was ever received.    16) It is admitted I responded to the Claimant’s pre-action protocol letter addressed in my name. I indicated I did not know if I owed the debt. I indicated as such having no recollection of affiliation with Vanquis nor Lowell. A default for the allege debt appearing on my credit file only November 2019.    17) I understand that the claimant is an Assignee, a buyer of defunct or bad debts which are bought on mass portfolios at a much reduced cost to the amount claimed and which the original creditors have already written off as a capital loss and claimed against taxable income.   As an assignee or creditor as defined in section 189 of the CCA this applies to this new requirement on assignment of rights. This means that when an assignee purchases debts (or otherwise acquires rights under a credit agreement) it also acquires certain obligations to the borrower including the duty to comply with CCA requirements (such as the rules on statements and notices and other post-contractual information). The assignee becomes the creditor under the agreement. This ensures that essential consumer protections under the CCA cannot be circumvented by assigning the debt to a third party.   18) Under Civil Procedure Rule 16.5 (4) Where the claim includes a money claim, a defendant shall be taken to require that any allegation relating to the amount of money claimed be proved unless he expressly admits the allegation. Therefore, it is expected that the Claimant be required to prove the allegation that the money is owed as claimed.
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mythiey

Can a bailiff seize a car registered to a disabled driver?

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hi there,

 

my mother is registered disabled, and has had her car seizes from an address other than the address listed upon the warrent.

 

1st of all the car is registered to a disabled person and has a disabled tax disc, and insured for a disabled user only.

 

can a bailiff seize this car in england (not scotland)? if not can you tell me where i can find a copy of the legislation to show this.

 

also what can be done about him seizing the car from another address, and using threating words to my grandparents about calling the police and making it seem like they can force the seizer of the car? (again can you tell me where i can find the legislation)

 

my mother has also just undergone a major OP to have her knee replaced, and thus now cannot get to her hospital appoitments because the car has been seized.:mad:

 

help please!

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HI MYTHIEY

 

Good Morning and Welcome to the forums, I am sure that your request will be answered when the other caggers 'rise from slumber', I am sorry to here of your mothers predicament but you will get the answers that your looking for very soon, try not to worry to much, and take care of your mum.

 

Cheers

 

Mr W


Regards..Mr Worried :)

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omg how heartless bailiffs are. im not 100 percent sure but i dont think they can do that.someone who has better knowledge on these things will advise you properly but im sure they cant do that. take care an good luck

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has had her car seizes from an address other than the address listed upon the warrant

 

distress may be made anywhere in England and Wales

 

the car is registered to a disabled person and has a disabled tax disc, and insured for a disabled user only

 

is the car being leased through mobility

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The answer is no they cannot take a car that either has a blue badge in it or registered as a disabled vehicle and also your grandparents are classed as vunerable so should of checked the car in the first place to see that it was a disabled vehicle.

Department for Constitutional Affairs - Enforcement - National Standards for Enforcement Agents

 

London Motorists Action Group - Drakes bailiff Pt4 complaint court report from Bailiff Advice Online

FightBack Forums > Pensioner dies after being taken to Cash Point by Bailiffs.

 

I hope that these links help

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Can I also ask what the debt is for and how much the bailiff was asking for. had your grandparents been notified that this was going to happen.

Im guessing it was for a parking fine. I am 100% positive that they cannot do this unless the car was on hire purchase and the company wanted it back through non payments.

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hi there,

 

my mother is registered disabled, and has had her car seizes from an address other than the address listed upon the warrent.

 

1st of all the car is registered to a disabled person and has a disabled tax disc, and insured for a disabled user only.

 

can a bailiff seize this car in england (not scotland)? if not can you tell me where i can find a copy of the legislation to show this.

 

also what can be done about him seizing the car from another address, and using threating words to my grandparents about calling the police and making it seem like they can force the seizer of the car? (again can you tell me where i can find the legislation)

 

my mother has also just undergone a major OP to have her knee replaced, and thus now cannot get to her hospital appoitments because the car has been seized.:mad:

 

help please!

 

I'm sorry but in order to provide an answer I will need a bit more info.

 

What was the name of the company?

 

What was this debt for?

 

Has you mother moved addressed?

 

If a parking ticket, which local authority?

 

Did you receive a Notice of Seizure of Goods & Inventory?

 

How much was the debt and how much are the bailiff demanding?

 

PS: NO...the bailiff cannot remove a vehicle displaying a valid disabled badge. In addition due to her disability, she is classed as "vulnerable" according to the National Standartds for Enforcement Agents ( that ALL bailiffs and their companies MUST adhere to) and therefore the bailiff SHOULD have returned this debt.

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