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    • 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
    • why do you need adobe...use a pdf online website. all for now...no get reading up and do not miss your defence filing date no matter what. post it up in good time no!!    
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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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subject acsess request - what am i looking for?


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hiya im sorry but i dont understand why this post has being moved to this forum as its a welcome forum i should be in, i am confused now. i have a post going with the debt action group and a post going with the welcome finance group and this all post should be on the welcome forum....???? am i right

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ok dont worry about where this thread is

i'll get it moved back to the welcome forum

 

have you got a digital camera?

 

or a webcam?

 

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Thread moved to the Welcome Finance Forum :)

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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well i would take the picture, save it to your pc

 

then google photobucket and upload

 

you can then cut and paste the picture onto your thread

 

you can email me the picture and ill upload it if you have probs

 

get a clear picture please as ime going to have to go through all the figures

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postggj you are a star, my mother in law has just arrived so i am going to have to sign off for now.

i will do this but it will take me some time as im not clued up (but i will do it)

can you message me with your email address please, is it just the credit agreement you need? do you want the personal loan statment aswell for the whole period?

thanks

Rachel

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1 page per picture and rotate your camera 90% so the page fits the whole screen

if you attach them via go advanced in a pm to post he can edit the personal details out save you doing it.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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if your mum can help do it all the more info for postggj the better.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Ok

 

Correct Me If Wrong

 

£1184.38 Amount Of Credit

 

I Need To Know What Is

 

(d) Looks Like £2500 Is That The Loan

 

(h) £195 Is That Acceptance Fee

 

(l) £989.38 Is That Ppi Etc

 

If That Is Corect, All I Need You To Tell Me Is

 

what Is The Apr And How Many Months Is The Agreement Over

 

Ill Then Tell You Whats What With And Without The Insurance Crap

 

But Please Confirm Those Figures

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Great

 

Ime On It Now

 

I Need To Work This Out In Two Parts So Stay With Me

 

The Loan Is £2500 Over 36 Months At 58.15%apr

 

For Ease Ive Done The Apr At 58%

 

That Gives

 

Monthly Payment £130.28

Interest £2189.97

Total Payable £4689.97

 

now The Insurance Crap

 

£1184.38 Over 36 Months At 58% Apr

 

Monthly Payment £61.72

Interest £1,037.50

Total Payable £2,221.88

 

So We Add The Interest From The Loan £2189.97 With The Interest From The Insurance £1037.50 To Give A Total £3227.47

 

We Now Add Acceptance Fee To Give A Charge For Credit Of £3302.47

£2500 Loan

£1184.38

 

grand Total Repayable With Insurance Crap £6986.85

 

Devide By 36 Gives A Monthly Repayment Of £194

 

 

--------------------------------------------------------------------

 

without Insurance

 

 

That Gives

 

Monthly Payment £130.28

Interest £2189.97

Total Payable £4689.97

 

to That We Add Acceptance Fee Of £75 Gives A Total Repayable

 

£4764.97 Over 36 Months Gives A Monthly Figure Of £132.36

 

 

so By Not Having The Insurance Crap You Save £2221.88

 

 

 

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