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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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i missed 2 payments with my council tax so i have to pay all the tax for the end of year, first visit £24.00 and second £18.00 because i was at work when he came around so it came to £265.00

council sent rossendales baliffs around which i paid him £100 at my door and agreed with him to pay the full amount on the 15th of dec when i got paid a month later

he gave me a letter to fill out about my wages, so i filled it out and sent it back which they now say have havent received.

on the 10 of dec they sent a different bailiff with a van around to take my goods, but i wasnt in and they put a letter through my door

no one contacted me to tell me he was coming

there charging me the £207.50

£170 + £29 for sending a bailiff and a van - £406.50

i was then told by phoning them that i have to pay the full amount on my pay day.

i said about the agreement i made with the first bailiff

they said cause they didnt get my details about my wages, i can not carry on with this agrrement and had to pay the £406.50 even though i cant afford it

i wont be able to pay my rent if i pay them.

on the bailiff removal letter they posted when he came around with the van says payment due in full in 24 hours but the have not filled out the time or date on the letter.

i though they have to give you some notice of coming around to take my goods with the van ? what will be the point in coming around when i am at work and leaving a letter charging me.

any advice ??

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have the bailiffs got a walking possession agreement( have they been in your house or have they levied your car)

how much is the liability order for

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have the bailiffs got a walking possession agreement( have they been in your house or have they levied your car)

how much is the liability order for

 

 

hi

i dont know ? all the paper work i have is a summons for non payment of council tax

bailiff removal letter

and a letter of how much i owed from the first bailiff

the first bailiff came into my home, i paid him £100 and agreed to pay the rest on my payday.

the second bailiff was a different bloke

no they haved levied my car

sorry i couldnt be more helpful

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it also says the granting of a liability order will result in additional costs of £18.00 being incurred on the summons letter

i have not been sent a liability order

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when the first bailiff came into your home did he leave a notice of goods and inventory this would have property in your home written on it

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no he just took £100 and gave me a receipt, ask how i could pay the outstanding amount, said i could pay the full amount on my pay day

left a letter saying how much i owe

also a letter that i had to send back to them with details of my wages which i sent back and they say they havent received it.

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Can't help with this but reading the forum's it seems a common theme that bailiff companies don't recieve the the relevant/income-outgoing forms.

 

Ensure when sending thei tems you send it by recordered delivery at least.

 

wishing you well in this.

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