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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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      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

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No CCA? Processing your data? Get them a huge fine.


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Data breach howlers to get up to £500,000 fine ? The Register

 

If there is no CCA available, then under the Data Protection Act they also have no permission to be processing your personal information. This also includes adding things to your credit file via the CRA's. As this can affect you financially and your ability to get credit, employment, renting/buying a house. Then it's possible it could be a serious enough breach of the DPA to get a DCA landed with a fine of up to £500,000

 

New rules from today, 6th April 2010. :o)

 

Shall we have a go and see if a few complaints from Cag members will sway them into dishing out some fines? :D If we don't try, we won't get.

  • Haha 1

These are video links to show how I deal with Debt Collectors.

 

Fly fishing for C.A.R.S

http://uk.youtube.com/watch?v=zPtzK8FqE6k&feature=related

 

Frederickson International don't accept my card type

http://uk.youtube.com/watch?v=eiZBULlWW6Q&feature=related

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I would love to think that this is going to happen, but the DCA's will continue to take the p!$$ until one of them is hit hard

 

It's up to us to have a try. Nothing ventured, nothing gained. Also well worth the cost of a stamp. If they get a few complaints about the same company they may act on it. You never know, they may be eager to try out their new powers. ;)

These are video links to show how I deal with Debt Collectors.

 

Fly fishing for C.A.R.S

http://uk.youtube.com/watch?v=zPtzK8FqE6k&feature=related

 

Frederickson International don't accept my card type

http://uk.youtube.com/watch?v=eiZBULlWW6Q&feature=related

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About time, something was done!

 

Up to now, the ICO appeared reluctant to take enforcement action!???

 

The $64,000 question, is will this be passed through Gov., and who will prosecute?

 

General Election due; May 6th 2010...I know who I will not be voting for.

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LOL, Alistair Darling said in the 2007 data breach of CB

 

Mr Darling said he "deeply regretted" what had happened, but stressed there was no evidence of misuse of the data.

He told the BBC his confidence had been "shaken" by what he described as a "catastrophic" incident, involving "serious breaches".

 

 

source

 

 

Ratpack government would of wormed themselves out of this anyway if the legislation would have been in place then.

 

 

But just imagine the claims!

Templates from CAG

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2 Power to impose a monetary penalty

The Act applies to the whole of the UK. It does not apply retrospectively therefore

monetary penalty notices will only be used in respect of contraventions occurring

on or after 6 April 2010.

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  • 3 weeks later...

I'd argue that if they can't prove there's a contract, then they can't show that you agreed to have your data processed by them and therefore they have no right to process it. I don't see how the ICO can possibly argue against that. :-?

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Furthermore, the CRAs themselves can also be held liable for the breaches of the DPA, if you notify them that the data they hold is being unlwfully processed (due to lack of CCA as per above) then refusal to remove the disputed data surely would amount to a breach too?

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Very interesting but I would imagine will be a 'minefield' to negotiate. For instance, I have quite a large 'alleged' debt reported as 'closed' on my CRA file. It is still being updated monthly, though I have aletter confirming no CCA. Experian have refused catagorically to remove this, saying if it is closed it must at some point have been 'open' which is all they require!

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I'd argue that if they can't prove there's a contract, then they can't show that you agreed to have your data processed by them and therefore they have no right to process it. I don't see how the ICO can possibly argue against that. :-?

 

Sadly the ICO chooses to disregard the European directive on these issues which firmly places the burden of proof upon the persons making the entry.:mad:

As of 03/03/12 please do not under any circumstances wait for my further input or guidance on any current thread or defence of a court claim I might have been involved in on or through Cag.

Jasper1965

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I have an alleged debt being chased by a DCA for a CC co. The DCA has informed me in writing on 3 occassions that the OC doesn't have a CCA. The latest letter I've received from the DCA is numerous statements obtained from the OC and a letter saying these prove you owe the money. I believe the OC has passed on my data to the DCA without having any signature from me giving them permission to do so. How do I complain, who to, who about and specifically what about?

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You could try requesting the CRA's to remove your data file as the OC admits there is no Agreement therefore no proof of any permission to publish your data.

 

Experian Ltd

Customer Support Centre

PO Box 8000

Nottingham

NG80 7WF

 

Equifax Plc

Credit File Advice Centre

PO Box 1140

Bradford

BD1 5US

 

Call Credit Plc

Consumer Services Team

PO Box 491

Leeds

LS3 1WZ

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You could try requesting the CRA's to remove your data file as the OC admits there is no Agreement therefore no proof of any permission to publish your data.

 

Experian Ltd

Customer Support Centre

PO Box 8000

Nottingham

NG80 7WF

 

Equifax Plc

Credit File Advice Centre

PO Box 1140

Bradford

BD1 5US

 

Call Credit Plc

Consumer Services Team

PO Box 491

Leeds

LS3 1WZ

 

Hasn't this been tried before many many times and it was a nightmare?

 

It is easier to get the DCA to repair your file by sueing them for harrassment!

 

Well, in my opinion it is!

 

Even getting these b*****ds into court will open the floodgates!

 

They would have literally NO defence at all!

 

No CCA, processing data, threatening letters, asking for money etc. etc. etc.

 

RI

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Hasn't this been tried before many many times and it was a nightmare?

 

It is easier to get the DCA to repair your file by sueing them for harrassment!

 

Well, in my opinion it is!

 

Even getting these b*****ds into court will open the floodgates!

 

They would have literally NO defence at all!

 

No CCA, processing data, threatening letters, asking for money etc. etc. etc.

 

RI

Supposing, they have an application form though, signed by yourself, saying your info can be shared? Does lack of a valid CCA invalidate this form of consent?:-(

If my post helped you feel better, click my scales.

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No CCA means no permission to be processing your data.

 

If you think about it, how can they default you and report your financial dealings to CRA's without written consent?

 

This is what the Data Protection Act is for!

 

To stop this kind of nonsense.

 

How would you feel if you 'applied' for Private Medical Insurance and your medical details were then held on file and freely available for everyone to see and subsequently judge you upon them?

 

I think if it is an 'application form' you signed and not a CCA then under the Consumer Credit Act they have absolutely no right to be processing your data either.

 

If the application was refused for instance, that doesn't give them the right to open a file on you does it?

 

The DCA's will argue otherwise though.

 

There'in lyeth the problem!

 

It's getting these b*****ds in a suitable position where they are 'legally obliged' to show good reason why they are processing your personal financial data.

 

You can write to them a million times warning them of their wrongdoings but they will not give a damn.

 

Unless you are fully prepared to report them continuously to the powers that be they will not stop.

 

Some of their reasoning for this behaviour is warped and in all actuality blackening your credit file, when they have no paperwork to say that a debt exists at all, is done purely to punish you for not paying them the moment they ask you for your hard earned cash.

 

Taking them to court for harrassment seems the way to go, OFT guidelines are VERY clear what is deemed harrassment.

Edited by RoyalIrish
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I think if it is an 'application form' you signed and not a CCA then under the Consumer Credit Act they have absolutely no right to be processing your data either.

 

If the application was refused for instance, that doesn't give them the right to open a file on you does it?

 

The DCA's will argue otherwise though.

 

There'in lyeth the problem!

 

It's getting these b*****ds in a suitable position where they are 'legally obliged' to show good reason why they are processing your personal financial data.

 

You can write to them a million times warning them of their wrongdoings but they will not give a damn.

 

Unless you are fully prepared to report them continuously to the powers that be they will not stop.

 

Some of their reasoning for this behaviour is warped and in all actuality blackening your credit file, when they have no paperwork to say that a debt exists at all, is done purely to punish you for not paying them the moment they ask you for your hard earned cash.

The problem in a nutshell.

If my post helped you feel better, click my scales.

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So has anybody here threatened legal proceedings and got defaults removed. A guy from the states suggests a 3 throng approach rangig from polite requests to threatening litegation..

 

I want to clean up my file but admit it looks, well totally confusing. I do understand however that if a CCA is not produced then it seems unlawful for the DCA to be processing data..

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