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

 

Yes they have until 9am on 20th which was 14 days, they havent responded to this at all yet...

 

The response they have sent is responding to the letter before the LBA which i gave them 14days to respond to and they took 3 weeks :roll:

I wnt be filing until tuesday as thats a seperate issue I just dont know if its worth responding to this letter now they have eventually answered

 

*hello guest that is having a nice long read and has been here a good hour 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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Love their response letter, so does that give the answer to how much you have to pay???? (minus the car value? they repo'd!). You're very well organised beyond. Wish I had more time to be like you, need 2/3 days off work to get all my stuff in order again.

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Love their response letter, so does that give the answer to how much you have to pay???? (minus the car value? they repo'd!). You're very well organised beyond. Wish I had more time to be like you, need 2/3 days off work to get all my stuff in order again.

 

There has been no mention of repo at all :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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Personally I wouldn't bother responding. Your ultimate goal, (correct me if I'm wrong), is to have them face the consequences of unlawful rescission of contract and unlawful repossession and you be adequately compensated for their screw ups.

I think we both know they are not going to voluntarily admit liability and pay up! They will only do this if forced to by the court.

Give them until the 20th to respond, (I've got a fiver on them not responding in time!), and then file your claim. You can talk to them til you're blue in the face and eventually you'll get the "leave us alone we know we've screwed up" letter!

Then they'll do what they did with me; call your bluff and say "go on then, take us to court if you think you're hard enough!". And then you will take them to court :D

If I were you, I'd stick to the timeline I originally gave them. It really annoys me that you give them 14 days to respond to a letter and they take the pee and casually send you a bunch of cr*p 3 weeks later!! :mad:

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Personally I wouldn't bother responding. Your ultimate goal, (correct me if I'm wrong), is to have them face the consequences of unlawful rescission of contract and unlawful repossession and you be adequately compensated for their screw ups.

I think we both know they are not going to voluntarily admit liability and pay up! They will only do this if forced to by the court.

Give them until the 20th to respond, (I've got a fiver on them not responding in time!), and then file your claim. You can talk to them til you're blue in the face and eventually you'll get the "leave us alone we know we've screwed up" letter!

Then they'll do what they did with me; call your bluff and say "go on then, take us to court if you think you're hard enough!". And then you will take them to court :D

If I were you, I'd stick to the timeline I originally gave them. It really annoys me that you give them 14 days to respond to a letter and they take the pee and casually send you a bunch of cr*p 3 weeks later!! :mad:

 

This was my feeling but wanted someone else to say it :lol: Im glad they did send their cr*ppy late response though as to me it says yep we have underwriting sheets and nope you arent having them :roll: I wonder why :rolleyes:

9.30am on Tue Morn I will be visiting my red brick building im sure ;)

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 was my feeling but wanted someone else to say it :lol: Im glad they did send their cr*ppy late response though as to me it says yep we have underwriting sheets and nope you arent having them :roll: I wonder why :rolleyes:

9.30am on Tue Morn I will be visiting my red brick building im sure ;)

I thought they didn't open til 10??? :D

Well absolutely! It's not like they said, "underwriting sheets??? What the devil are you talking about??!!" Ha ha! They just dig themselves deeper and deeper holes!!:-D

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I thought they didn't open til 10??? :D

Well absolutely! It's not like they said, "underwriting sheets??? What the devil are you talking about??!!" Ha ha! They just dig themselves deeper and deeper holes!!:-D

 

Ill be sitting on the doorstep :lol:

They sure do 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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Did you write "This is a Consumer Credit Act claim" in your particulars?

 

certainly did.

Any chance you could have a look at my tweaked one before i print yet again? 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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You'll prob get a fixed date note of issue like I did then. The practice direction 7b gives you a really good layout of what the procedure should be.

 

 

Have you got a link?

Aww bless the puppies dont tell my hubby hes desperate for a dog lol

Ill pm you it in a min xx

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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Have you got a link?

Aww bless the puppies dont tell my hubby hes desperate for a dog lol

Ill pm you it in a min xx

Well they'll be ready in about 8 weeks, they're gorgeous chocolate and black labradors. Check me out proud nanny ha ha!!

 

PRACTICE DIRECTION 7B – CONSUMER CREDIT ACT 2006 – UNFAIR RELATIONSHIPS - Ministry of Justice

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Well they'll be ready in about 8 weeks, they're gorgeous chocolate and black labradors. Check me out proud nanny ha ha!!

 

PRACTICE DIRECTION 7B – CONSUMER CREDIT ACT 2006 – UNFAIR RELATIONSHIPS - Ministry of Justice

 

 

OMG dont!! he'd snap ya hand off for one :lol:

 

Thank you will have a read just copy and pasting PM x

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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beyond how long roughly did WF take between your TN and actually taking the car?

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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beyond how long roughly did WF take between your TN and actually taking the car?

 

 

Hi Jo TN dated 1st feb, car taken 11th march

 

although it seems to be different depending on area and collection agent etc i was 5/10 so they were passed 10 on the same day

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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5/10 ?

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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5th out of 10 according to the fax

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 tomorrow 9am is the deadline no response as yet....wont hold my breath but you never know I may be surprised :lol: Just waiting on letter which hopefully will come tomorrow and then its game on!

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 tomorrow 9am is the deadline no response as yet....wont hold my breath but you never know I may be surprised :lol: Just waiting on letter which hopefully will come tomorrow and then its game on!

I'm so excited for you!!

It's the waiting afterwards that really does you in tho! They've got 3 days left to file a defence :eek:

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so claim going in after tomorrow? love it.

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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I'm so excited for you!!

It's the waiting afterwards that really does you in tho! They've got 3 days left to file a defence :eek:

 

Thanks hun :) Ive had a wobble following a post on here on another thread but its over now sod them they did wrong they have to face up to it!

As for defence for yours I wouldnt hold ya breath :lol: itll prob come in 2wks time if they even bother at all coz lets face it timescales mean nothing to them!

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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so claim going in after tomorrow? love it.

 

Letter im waiting for should come in post tomo if it does itll be going in tomo ;) if not as soon as that letter received in it goes :)

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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Thanks hun :) Ive had a wobble following a post on here on another thread but its over now sod them they did wrong they have to face up to it!

As for defence for yours I wouldnt hold ya breath :lol: itll prob come in 2wks time if they even bother at all coz lets face it timescales mean nothing to them!

A wobble?? What happened? :confused:

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