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    • I think it was from 18months ago.    You’ll probably think I’m fussing again but I’ve got a feeling they’ll take mine further due to the shear amount that is owed, I’ll be astounding if they don’t. 
    • as I said read the date of the thread many moons ago.   its not illegal either, debt is a civil matter not a criminal one.   dx  
    • Hi Andy   Thank you for the link, it was very helpful, appreciate it.    I was actually made to feel quite 'stupid' and felt as if i was wasting the forums time on this thread after DX's comments in post #38.      Please see attached the necessary documents, please do let me know if you require anything else, many thanks.   Files attached:  - Default Notice   - statement of Default Notice  - Reconstituted Agreement & T&Cs - 3 different sets   P.S - sorry about the quality of the T&Cs, the high quality files were too large and had to reduce them.   Thanks, Roland   Exhibit JK1.pdf
    • If it’s so easy to get shut of a PayPal negative balance how come everyone doesn’t do it as such? I guess it’s morally wrong but not illegal!?    I read a thread were a PayPal employee said “paypal WILL take you to court and WONT let it lie, they have a specialist team that chase negative accounts over a ceratain amount which I’ll defo meet that criteria 
    • date of claim 14th November (2019)   What is the claim for – the reason they have issued the claim?  1) The claim comprises the following agreement the defendant entered into: a. JD Williams & Co with reverence 1234567 and current balance of £559.77 The agreement was terminated as payments were not maintained and subsequently assigned to the claimant. And the claimant claims: a) The said sum of £559.77 b) Interest pursuant to # s69 County Courts Act 1984 at the rate of 8% per annum from the date of assignment to the date of issue, but limited to one year, being £44.ui c) Costs   What is the total value of the claim? £735   Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC ( Pre Action Protocol) ? Yes  Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? No Did you inform the claimant of your change of address? Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Catalogue   When did you enter into the original agreement before or after April 2007 ? Before   Do you recall how you entered into the agreement...On line /In branch/By post ? I think by post   Is the debt showing on your credit reference files (Experian/ Equifax /Etc...) ? No   Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Debt purchaser - Lowell   Were you aware the account had been assigned – did you receive a Notice of Assignment? Yes   Did you receive a Default Notice from the original creditor? Yes   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? Yes   Why did you cease payments? Couldn’t afford the interest    What was the date of your last payment? Over two years ago to the DCA   Was there a dispute with the original creditor that remains unresolved? No Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? Yes
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jimbo45

Council Threatening to call Police to to move me on - Can they do this

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Hi all

slightly different problem to the normal post.

 

I have got SO FED UP with the sheer harassement of people by Council Tax bailiff's etc that I took a Laptop with a wireless connection (nice - using the Council's OWN Wi-FI) and sat outside (on a Public Street) one of a well known Council's "Customer" centres.

 

I had a sign saying -- COUNCIL TAX and BAILIFF problems - and have been pointing out to people about this this excellent site. I made it clear on my poster that I wasn't a lawyer but just giving advice and showing people suggested routes to get these THUGS and BULLIES out of their hair.

 

Amazing the number of people who neither knew any rights and had certainly never heard of this excellent site.

 

Some were even in tears at the prospect of the Bailiff's coming.

 

However (and why wasn't I surprised) as three (not 2 but THREE) big Bouncers from inside the "Customer Center" came out and threatened to call the Police as I was

 

a) Practicisng Law without a License - I wasn't -- made it clear that I wasn't a practising Lawyer and recommended people to seek further legal advice in all cases if they had any doubt whatsoever.

 

b) "Street Trading" without a licence -- wasn't charging anybody anything so what "Street Trading"

 

c) "Unlawfully preventing a Council in collecting Tax legally owed to it"

 

d) The typical get out "Liable to Cause a Breach of the peace"

 

e) Causing an Obstruction. _ Well here I suppose I can't complain --at one time I had 30 people around.

 

Should I have stood my ground and let the Police come.

 

I really didn't want my laptop to get smashed so amid BOOS and Cat calls against the Bouncers I decided to leave.

 

Can I actually legally protest to anyone -- the trouble is if it's a "demonstration" then whilst the Police will ensure the peace is kept it's the same Council who has to issue the permit. A bit like seeking absolution from the Devil.

 

What on EARTH are we doing in this country when you are chased away because you are actually trying to HELP people from being harrassed and scarecby THUGS and BULLIES operating under "quasi legal Authority".

 

I've got the bit between my teeth now and I don't see why I should abandon my "Free Surgery".

 

Any advice on next step.

 

Cheers

jimbo

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well if your in a public place they have zero power, I wouldn't move.

 

get a 3g Usb pay as you modem (3 do one on proper pay as you go)

 

and set up a smigen futher away so they can't say jack, but would still get the people.

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Hi there

 

Will set up shop again on Monday on the next corner -- will also send details to Local Paper and Radio. I need to do it on days when the Council centre is open so I won't do it on a Saturday.

 

I'm currently out of contract so why not pass my day trying to do something USEFUL for a change. I can't BELIEVE some of the horror stories I've been getting from People --many who are so scared they almost feel like sticking their heads in the gas oven and ending it.

 

What on Earth as a soceity have we become now --- Never mind "Mag---S Children" -- We've regressed EVEN MORE it seems.

 

There doesn't seem to be any shortage of people who are having "Bailiff Problems".

 

I'll also get the USB "Mobile" - I think if I take a contract out some Telcos even throw in a Free Laptop -- might be ideal in case it gets broken when I'm being chased around the streets by possibly some people who actually work for the Bailiff's and won't like what I'm doing to reduce THEIR XMAS BONUS'ES.

 

Thanks and Cheers

jimbo

Edited by jimbo45

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I had a sign saying -- COUNCIL TAX and BAILIFF problems - and have been pointing out to people about this this excellent site. I made it clear on my poster that I wasn't a lawyer but just giving advice and showing people suggested routes to get these THUGS and BULLIES out of their hair.

You have another thread on the go where I've also made a comment. You say you are 'giving advice'. If you are not qualified or licensed to do so then that is unlawful. The goons had a good point but, not to put too fine a point on it, they have no legal rights to stop you. Only the poilice can do that.

 

What will clear you is not 'giving advice' but helping people to get advice elsewhere [lawyer, CAB, National Debtline etc., etc.].

 

Which part of the country are you in? I'd like to see any media coverage that might happen On the other hand I fully understand if you wish to remain anonymous.


I really do appreciate all those 'thank you' emails - I'm glad I've been able to help. Apologies if I haven't acknowledged all of them.

You can also ding my gong if you prefer. :)

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Hi there

the legal niceties are full of traps and minefields I agree.

 

However I made it clear I was only referring them to other sites and "sources of Information" -- more like "an Information Bureau" rather than an "Advice Centre".

 

I managed to avoid making that mistake with my first outing. ;)

 

Will spend the weekend looking up as much legal stuff as I can -- I'm SICK of people being trodden on etc etc by Jobsworths and Bullies.

 

Cheers

jimbo

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