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    • 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!  
    • 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
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    • 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.

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      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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Help with Welcome Finance


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Mmmm sounds interesting "bee"

 

cab

 

 

cant help to have a back up plan ;)

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

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this guy seems to be in the same boat as us. "coldupnorth" gave him a little pointer. maybe we can give him a good start.

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/255577-advantage-finance-repossessed-my.html

 

cab

 

Im on my way out but ill have a look tonight :)

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

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i have told coldupnorth you are a good girl (sometimes):p

 

cab

 

cheeky beggar!!!

 

ive had a response from welcome will scan it in tonight be back around 7.30 :)

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

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Just want to say I have spent all afternoon reading all 48 pages of this thread and want to wish you the best of luck with your court case, beyond.

 

I am probably going to start my own little battle with Welcome soon. I am currently 1 month behind on my car loan but have nearly paid 60% of the loan but due to some dire finances probably wont be able to meet their full payment for next couple of months and although paying them token payments will probably take me to the value of where they could issue a DN on me. It would just then be interesting to see if they would come reprocess the car since as many people before have said they dont seem to wait to get a court order. Just firing off a harrassment letter to stop all the telephone calls and visits and probably a SAR and CCA next to see whether they produce a differing Credit agreement than the one i have in my possession as I have previously been in arrears and they verbally agreed to just stick the arrears on the end of the loan but i never signed anything to that fact. Anyway I digress. Just good to know I am not alone in my **** thoughts of these people ;)

Edited by jo0410

Welcome Finance £5000 - 4 CCA requests 1 SAR pending,

Nationwide £283 (all made up of unauth charges) SAR pending

Capquest £2713.27 Statue barred debt - Prove it letter sent

Pounds till payday CCA request pending

Cashgenie CCA request pending

Quickquid CCA request pending

MEM CCA request pending

WGA - Payment plan agreed without any hassle :-o

Wonga £398 (£148 in charges) Complained to TS and OFT :grin: 1 CCA request pending

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just uploading to photobucket ;)

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

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Well here it is well over a week after my 14 day deadline but hey ho...

 

img142.jpg

 

img143.jpg

 

img144.jpg

 

Can anyone spot the underwriting sheets exist but you arent having them :lol:

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

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Ooo eeerrr my very own stalker :lol: enjoy :D

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

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"WELL" smack me in the mouth with a brick.

wot a complete and utter load of rubbish, and not even a widget about the repo, Mmmmm wonder why:eek: you must have pi$$ed yourself laughing:lol:

 

cab

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"WELL" smack me in the mouth with a brick.

wot a complete and utter load of rubbish, and not even a widget about the repo, Mmmmm wonder why:eek: you must have pi$$ed yourself laughing:lol:

 

cab

 

 

That was in response to a letter sent in response to their final response....I didnt mention repo either ;) The letter regarding bunky DN and unlawful rescinded agreement has until 9am on 20th (wont hold my breath) then 9.30am im off to my lovely red brick building described as the local county court to hand them some pretty paper ;)

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

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Just want to say I have spent all afternoon reading all 48 pages of this thread and want to wish you the best of luck with your court case, beyond.

 

I am probably going to start my own little battle with Welcome soon. I am currently 1 month behind on my car loan but have nearly paid 60% of the loan but due to some dire finances probably wont be able to meet their full payment for next couple of months and although paying them token payments will probably take me to the value of where they could issue a DN on me. It would just then be interesting to see if they would come reprocess the car since as many people before have said they dont seem to wait to get a court order. Just firing off a harrassment letter to stop all the telephone calls and visits and probably a SAR and CCA next to see whether they produce a differing Credit agreement than the one i have in my possession as I have previously been in arrears and they verbally agreed to just stick the arrears on the end of the loan but i never signed anything to that fact. Anyway I digress. Just good to know I am not alone in my **** thoughts of these people ;)

 

 

Hi jo welcome (:rolleyes:) to the forum :) Be sure to share you woes we are all here to help each other :)

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

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That was in response to a letter sent in response to their final response....I didnt mention repo either ;) The letter regarding bunky DN and unlawful rescinded agreement has until 9am on 20th (wont hold my breath) then 9.30am im off to my lovely red brick building described as the local county court to hand them some pretty paper ;)

 

thank dog for that (speaking of dogs "wannabe" is having puppies).

still a pile of bollox

 

cab

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thank dog for that (speaking of dogs "wannabe" is having puppies).

still a pile of bollox

 

cab

 

Highly amusing is that I have had NOTHING in way of chasing money since the car went :rolleyes: Ive not spoken to wannabe for a bit, not had notification on her thread either :/ just posted on her thread lol

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

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mind you it does kind of admit liability "human error" and not a computer fudge up:rolleyes:

 

cab

 

well there is that and 9 letters and 6months later they still havent offered to rectify it other than 'when you have paid the £12k call me and Ill write off the rest' :rolleyes: umm yea ok

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

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well there is that and 9 letters and 6months later they still havent offered to rectify it other than 'when you have paid the £12k call me and Ill write off the rest' :rolleyes: umm yea ok

 

the cheeky gits

 

cab

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the cheeky gits

 

cab

 

 

Their funeral so to speak :) Not as if I havent been reasonable and clear.

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

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Hi jo welcome (:rolleyes:) to the forum :) Be sure to share you woes we are all here to help each other :)

 

Started my own thread ;)

 

Just out of interest how much did it cost you roughly to register your claim beyond?

Welcome Finance £5000 - 4 CCA requests 1 SAR pending,

Nationwide £283 (all made up of unauth charges) SAR pending

Capquest £2713.27 Statue barred debt - Prove it letter sent

Pounds till payday CCA request pending

Cashgenie CCA request pending

Quickquid CCA request pending

MEM CCA request pending

WGA - Payment plan agreed without any hassle :-o

Wonga £398 (£148 in charges) Complained to TS and OFT :grin: 1 CCA request pending

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Started my own thread ;)

 

Just out of interest how much did it cost you roughly to register your claim beyond?

 

 

Hi Jo it wont cost us anything to submit claim as we are entitled to fee remission at the moment worth having a look if you would be entitled if you are considering a claim:

 

Fees

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

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dilemma: do I bother to query the response they have just sent....what with it being yet another fob off or do I await any response they may send regarding the final LBA and submit claim anyway as the queries in the response yesterday are pretty much unrelated to the claim....

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

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dilemma: do I bother to query the response they have just sent....what with it being yet another fob off or do I await any response they may send regarding the final LBA and submit claim anyway as the queries in the response yesterday are pretty much unrelated to the claim....

Hello Bee!

Hope you are well :)

When you sent your final lba did you give them a deadline for when you were going to file? Also, did you ask them for anything in particular as a resolution?

Cos you shouldn't really file until the date you told them, wouldn't want you looking unreasonable now would we?? ;)

 

Pigs might fly and they might respond favourably :D

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