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    • Hi, I have an old outstanding debt from 1994 due to MBNA for £20,000. The debt has been passed to various DCAs and is currently with PRA Group.  I sent them a CCA letter in January 2024. They acknowledged this letter and stated they would come back when they had more information, however the information did not arrive within the 12 working day scenario.. I have just received a copy of the agreement which goes back to 1994 from them. In their response letter they have stated " Please find enclosed documentation received to date: we are waiting further documents in order to complete your request. We have currently deemed this debt as unenforceable which means we are not able to take court or further action against you to recover the outstanding balance". They then go on to state "we are still legally entitled to:  1.Contact you to ask and repay what you owe 2.Pass your details onto a third party collection agency 3. Continue to report your account with the credit reference bureaux (as appropriate)". I'm at a loss as to what I should do next and would appreciate any guidance on this matter. I am currently paying £5.00 pcm. TIA      
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    • My understanding is that they won't provide the name to me whether the investigation is Live or Closed, & I have no legal rep as I didn't have P.I. Cover on my policy, & am intending to claim using OIC.org.uk, but remain completely stuck as they 100% cannot open a claim on the portal without both the Reg. No. & Name of the other driver.  
    • thanks again ftmdave, your words are verey encouraging and i do appreciate them. i have taken about 2 hours to think of a letter to write to the ceo...i will paste it below...also how would i address a ceo? do i just put his name? or put dear sir? do you think its ok?  i would appreciate feedback/input from anybody if anything needs to be added/taken away, removed if incorrect etc. i am writing it on behalf of my friend..she is the named driver  - im the one with the blue badge and owner of the car - just for clarification. thanks in adavance to everyone.       My friend and I are both disabled and have been a victim of disability discrimination on the part of your agents.   I have been incorrectly 'charged' by your agent 'excel parking' for overstaying in your car park, but there was no overstay. The letter I recieved said the duration of stay was 15 minutes but there is a 10 minute grace period and also 5 minutes consideration time, hence there was no duration of stay of 15 minutes.   I would like to take this oppertunity to clarify what happend at your Gravesend store. We are struggling finacially due to the 'cost of living crisis' and not being able to work because we are both disabled, we was attracted to your store for the 10 items for £10 offer. I suffer dyslexia and depression and my friend who I take shopping has a mobility disability. We went to buy some shopping at your Gravesend branch of Iceland on 28th of December 2023, we entered your car park, tried to read and understand the parking signs and realised we had to pay for parking. We then realised we didnt have any change for the parking machine so went back to look for coins in the car and when we couldnt find any we left. As my friend has mobility issues it takes some time for me to help him out of the car, as you probably understand this takes more time than it would a normal able bodied person. As I suffer dyslexia I am sure you'll agree that it took me more time than a normal person to read and understand the large amount of information at the pay & display machine. After this, it took more time than an able bodied person to leave the car park especially as I have to help my friend on his crutches etc get back into the car due to his mobility disability. All this took us 15 minutes.   I was the driver of my friends car and he has a blue badge. He then received a 'notice to keeper' for a 'failure to purchase a parking tariff'. On the letter it asked to name the driver if you wasnt the driver at the time, so as he wasnt the driver he named me. I appealed the charge and told them we are disabled and explained the situation as above. The appeal was denied, and even more so was totally ignored regarding our disabilities and that we take longer than an able bodied person to access the car and read the signs and understand them. As our disabilities were ignored and disregarded for the time taken I believe this is discrimination against us. I cannot afford any unfair charges of this kind as I am severely struggling financially. I cannot work and am a carer for my disabled Son who also has a mental and mobility disability. I obviously do not have any disposable income and am in debt with my bills. So its an absolute impossibility for me to pay this incorrect charge.     After being discriminated by your agent my friend decided to contact 'iceland customer care team' on my behalf and again explained the situation and also sent photos of his disabled blue badge and proof of disability. He asked the care team to cancel the charge as ultimately its Iceland's land/property and you have the power over excel parking to cancel it. Again we was met with no mention or consideration for our disability and no direct response regarding the cancellation, all we was told was to contact excel parking. He has replied over 20 times to try to get the 'care team' to understand and cancel this but its pointless as we are just ignored every time. I believe that Ignoring our disability is discrimination which is why I am now contacting you.     I have noticed on your website that you are 'acting' to ease the 'cost of living crisis' : https://about.iceland.co.uk/2022/04/05/iceland-acts-to-ease-the-cost-of-living-crisis/   If you really are commited to helping people in this time of crisis ..and especially two struggling disabled people, can you please cancel this charge as it will only cause more damage to our mental health if you do not.  
    • I've also been in touch via the online portal to the Police's GDPR team, to request the name of the other Driver. Got this response:   Dear Mr. ---------   Our Ref: ----------   Thank you for your request which has been forwarded to the Data Protection Team for consideration.   The data you are requesting is third party, we would not give this information directly to you.   Your solicitor or legal team acting on our behalf would approach us directly with your signed (wet) consent allowing us to consider the request further.   I note the investigation is showing as ‘live’ at this time, we would not considered sharing data for suggested injury until the investigation has been closed.   If you wish to pursue a claim once the investigation has been closed please signpost your legal team to [email protected]   Kind regards   ----------------- Data Protection Assistant    
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Serfarce Fraud/ deception lets get them!!!!


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Guest Happy Contrails
then charge me for solictors costs?

 

The Small Claims Track specifically excluses any party claiming solicitors fees.

 

The HCEO (or bailiff) will go to extreme length to fob you off with excuses and try forcing you into applying for a Detailed Assessment hearing. Accepting a Detailed Assessment hearing only gives the bailiff control of the proceedings. There is no obligation for the Judge to comply with legislation when making its findings, he does not advocate for the debtor and always works on the side of the bailiff.

 

ALWAYS use the Small Claims Track to recover unlawful bailiffs fees, you get full control of the proceedings and you have the bailiffs dancing to your tune. This is because court operates under the Civil Procedure Rules - which explicitly requires the Judge to comply with legislation in his judgments - and – the Judge has to advocate for you - the debtor, if you are unrepresented. If you win, the bailiff company gets a CCJ against its name (NEVER accept a "Tomlin Order" as a compromise) - and that scuppers their application to renew their Category E (debt collection) consumer credit license. The law - Section 21(1) of the Consumer Credit Act 1974 - requires anyone trading in debt collection have a Category E consumer credit license. Applicants must have a 150% squeaky-clean credit rating before the OFT will grant a credit license. If the bailiffs cannot renew their license because of adverse credit information, then their careers as a civil enforcement officers is well & truly finished!!! The company will have to dissolve and reform with a new identity and guarantor (e.g. Drakes - now Marston), but if they continue trading in debt recovery without a license, they commit a criminal offence under Section 39(1) of the Act. That’s why bailiffs always pay very rapidly after filing the proceedings at court.

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The HCEO (or bailiff) will go to extreme length to fob you off with excuses and try forcing you into applying for a Detailed Assessment hearing.

HC Youve got me chuckling to myself

I suppose they can try to convince me to go that route but they cant really force me too or can they?

Accepting a Detailed Assessment hearing only gives the bailiff control of the proceedings. There is no obligation for the Judge to comply with legislation when making its findings, he does not advocate for the debtor and always works on the side of the bailiff.

We wont go that route then will we??

 

ALWAYS use the Small Claims Track to recover unlawful bailiffs fees, you get full control of the proceedings and you have the bailiffs dancing to your tune. This is because court operates under the Civil Procedure Rules - which explicitly requires the Judge to comply with legislation in his judgments - and – the Judge has to advocate for you - the debtor, if you are unrepresented. I am now the Claimant not debtor any more Ive paid em off!!!and too much to boot!!!

If you win, the bailiff company gets a CCJ against its name (NEVER accept a "Tomlin Order" as a compromise) What is a tomlin order? sorry I am being lazy and not looking it up- and that scuppers their application to renew their Category E (debt collection) consumer credit license. The law - Section 21(1) of the Consumer Credit Act 1974 - requires anyone trading in debt collection have a Category E consumer credit license. Applicants must have a 150% squeaky-clean credit rating before the OFT will grant a credit license. If the bailiffs cannot renew their license because of adverse credit information, then their careers as a civil enforcement officers is well & truly finished!!! The company will have to dissolve and reform with a new identity and guarantor (e.g. Drakes - now Marston), but if they continue trading in debt recovery without a license, they commit a criminal offence under Section 39(1) of the Act. That’s why bailiffs always pay very rapidly after filing the proceedings at court.If they pay up then the CCJ is satisfied but thats not enough,will that stop them from getting their licence??

I want to get them for fraud if I win in court so have already written to chief constable

HC Thanks for your input

I have as I said earlier already filed the claim so lets wait and see what happens now

Onlyme

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Guest Happy Contrails

A Tomlin order is a court order by consent of all the parties. A CCJ is unilateral and without consent of the party being sued. Tomlin Orders cannot be used for certain enforcement measures such as a 3rd party Debt Order. This the most popular method of enforcement against a firm of bailiffs – the money is debited out of their bank account - and often the bailiffs doesn’t notice until they get the execution fee letter from their bank afterwards.

 

A CCJ stays on their record until it time-expires, or the party being sued asks the court to set it aside. Until then its almost impossible to re-new a credit license because the OFT requires the applicant to be of perfect credit standing.

 

The police will drag their feet and look for excuses not to investigate. Their latest excuse is Police don’t have the recourses at this time. You counter this because police spend £950 an hour of taxpayers money chasing shoplifters and speeding motorists, ambushing them from behind bus shelters with an MD900 helicopter with civilian crew. You, at least want to be sure the bailiff is questioned under caution, and if the police fail to investigate then contact the Parliamentary Ombudsman.

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Reply recieved re complaint to police stating

'Go to OFT or Trading standards'

 

What a joke !!

 

Reply going back to chief constable asking them to try harder and re read my first letter and if no satisfactory action is taken that I will proceed to the IPCC naming any officers involved as perverting the course of justice.

 

onlyme

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six times i have had the plod out my friend and only the last one knew the law when it comes to enforcement. and i will keep them comming until i have enough of them to put a complaint in, this is the only way i can find out how many police officers know what they are doing when it comes to bailiffs.

 

LFB

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Guest Happy Contrails
R I will proceed to the IPCC naming any officers involved as perverting the course of justice.

 

The IPCC is part of the same fraternity, the Parliamentary Ombudsman has more bite.

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MMMM??? Wonder whos looking in?

 

I recieved notice today of a fee assessment hearing at the high court any guidance as to the correct route to handle this please send me a PM:???::???:

I am still keeping the CC claim in process

onlyme

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MMMM??? Wonder whos looking in?

 

I recieved notice today of a fee assessment hearing at the high court any guidance as to the correct route to handle this please send me a PM:???::???:

I am still keeping the CC claim in process

onlyme

 

 

Sharfraud are looking in. that's who.

 

Hello Fools.

 

Hows business? :D

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Guest Happy Contrails

The bailiff can ask for a detailed assessment hearing, thats their prerogative.

 

To be honest, the Small Claims Track (Civil Procedure) has been the only reliable way to recover unlawful bailiffs fees.

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Guest Happy Contrails
If you lose at the fee assessment hearing this will undermine your claim and you could be liable for costs,

 

He cannot be ordered to pay costs, it was the bailiff who filed the application for DA.

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He cannot be ordered to pay costs, it was the bailiff who filed the application for DA.

 

High Court Enforcer, Happy Contrails is correct about the detailed assessment. :)

 

Are you referring to costs that may go against the claimant regarding the claim they have made against Sherforce if the claim is defnded successfully based on the outcome of the detailed assessment?:???:

 

If so, I would agree that losing at the detailed assessment would not help ohitsonlyme's claim...

 

:-?

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High Court Enforcer, Happy Contrails is correct about the detailed assessment. :)

 

Are you referring to costs that may go against the claimant regarding the claim they have made against Sherforce if the claim is defnded successfully based on the outcome of the detailed assessment?:???:

 

If so, I would agree that losing at the detailed assessment would not help ohitsonlyme's claim...

 

:-?

 

 

Dont worry about my CC claim I have an ace up my sleeve(well probably 2 or 3) I cannot lose the judgment!!:) against sherfarce.

 

Just because we owed someone money due to naivity on my part and incompetence in the banking and legal fraternity, doesnt mean that we are stupid or unable to show the law is on our side

A thief is a thief and with the help of many on here and others I will win and give someone a bloody nose.

I want to stop these buliies from taking on others that are less fortunate with evidence and resources than I am.

 

Ohitsonlyme

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High Court Enforcer, Happy Contrails is correct about the detailed assessment. :)

 

Are you referring to costs that may go against the claimant regarding the claim they have made against Sherforce if the claim is defnded successfully based on the outcome of the detailed assessment?:???:

 

If so, I would agree that losing at the detailed assessment would not help ohitsonlyme's claim...:-?

 

Yes, I was referring to the claim for judgment by ohitsonlyme, however, it would seem he is confident of success against Sherforce and their solicitors. We will have to wait and see I guess.

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Guest Happy Contrails
it would seem he is confident of success against Sherforce and their solicitors. We will have to wait and see I guess.

 

That goes to show you know what your talking about. The small claims track cannot award solicitors fees to any party.

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Dont worry about my CC claim I have an ace up my sleeve(well probably 2 or 3) I cannot lose the judgment!!:) against sherfarce.

 

Just because we owed someone money due to naivity on my part and incompetence in the banking and legal fraternity, doesnt mean that we are stupid or unable to show the law is on our side

A thief is a thief and with the help of many on here and others I will win and give someone a bloody nose.

I want to stop these buliies from taking on others that are less fortunate with evidence and resources than I am.

 

Ohitsonlyme

 

 

Couldn't have said it better me'self, and when you catch the thieves (get sucessful judgement), post it on here in all its glory.

 

Bet they try to do a deal before any judgment is obtained. Don't be tempted!

 

all the best.

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Hi To All

 

A couple of year ago I had Sherforce contact me and I paid up asap as I knew no better, can I request info from them, etc etc?

 

I cant even remember what it was for but they were very pushy, and I think they were related as I got the impression that the daughter was dealing for her dad...

 

What do you advise?

 

 

Mr W

Regards..Mr Worried :)

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Guest Happy Contrails

You need some background information such as your bank statement showing payments to sherforce, contact the county court and find out the judgement amount and you can calculate the fees.

 

The law prescribing fees chargeable by a High Court Enforcement Officer (HCEO) for collecting unpaid debts is Schedule 3 of Regulation 13 of The High Court Enforcement Officers Regulations 2004. Broadly speaking it provides:

 

Where the sum due is £100 or less - 5%

Above £100 - 2.5%

Mileage Charges - 29.2p per mile Max £50

Seizure of goods - £2 per site

Signed Walking possession agreement fee (if you signed one) - £3.25 a day

 

That gives the amount plus lawful bailiffs fees, and subtract the amount paid to Sherforce as shown on your documents/statements. Ask sherforce to pay you plus interest 8% and pass a truth test on their fees. Wait seven days then file the claim in the small claims track.

 

If you dont have any proof of payment then just use the truth test letter and see what comes. Without any supporting evidence of payment you wont have much joy i'm afraid.

 

You can recover unlawful bailiffs fees up to six years from the date you paid them.

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Couldn't have said it better me'self, and when you catch the thieves (get sucessful judgement), post it on here in all its glory.

 

Bet they try to do a deal before any judgment is obtained. Don't be tempted!

 

all the best.

 

I wont be tempted !!!

I dont need my money back, and I know it is just sitting in the bank waiting for me

 

I do need some more guidance on the assesment hearing either PM me or if HCEO is a good guy he can post up the best way to proceed.

 

I realise I am up against professionals who should know the law (even tho they dont always apply it correctly)

 

All offers of help accepted but not necessarily followed

 

 

onlyme

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You need some background information such as your bank statement showing payments to sherforce, contact the county court and find out the judgement amount and you can calculate the fees.

 

The law prescribing fees chargeable by a High Court Enforcement Officer (HCEO) for collecting unpaid debts is Schedule 3 of Regulation 13 of The High Court Enforcement Officers Regulations 2004. Broadly speaking it provides:

 

Where the sum due is £100 or less - 5%

Above £100 - 2.5%

Mileage Charges - 29.2p per mile Max £50

Seizure of goods - £2 per site

Signed Walking possession agreement fee (if you signed one) - £3.25 a day

 

That gives the amount plus lawful bailiffs fees, and subtract the amount paid to Sherforce as shown on your documents/statements. Ask sherforce to pay you plus interest 8% and pass a truth test on their fees. Wait seven days then file the claim in the small claims track.

 

If you dont have any proof of payment then just use the truth test letter and see what comes. Without any supporting evidence of payment you wont have much joy i'm afraid.

 

You can recover unlawful bailiffs fees up to six years from the date you paid them.

 

Hi

 

You mention unlawfull bailiff fees...I have paid various bailiffs over the years over the last few yrs, what can I do about this now?..if anything and is there a letter I can send?.

 

Cheers

 

Mr W

Regards..Mr Worried :)

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Guest Happy Contrails

What kind of debt? theres letters for different types of debt collectable by a bailiff. And can you start a new thread - we are hijacking someone here.

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What kind of debt? theres letters for different types of debt collectable by a bailiff. And can you start a new thread - we are hijacking someone here.

 

Hi Happy

 

I have no idea what it was for as it was over 2 yr ago, can I just not write to them and ask for the info?

 

Mr W

Regards..Mr Worried :)

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