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    • Just as the title says, if ever there was a good reason to ditch Micro$oft and move to Linux then this is it :-   Giving Windows total recall is a privacy minefield • The Register WWW.THEREGISTER.COM It's only a preview, and maybe it should stay there ... forever Help is available, most modern PC's can run a version of Linux suitable for your needs and it is not difficult to use or learn. Ubuntu is popular, new version is very modern Garuda Linux is the one I use, based on Arch, rolling release, bang up to date. I have friends and acquaintances, old and young, PC Literate and not. Most people who try it never go back to Windows Hamster
    • I've had to hide two of your posts.  Anyone clicking on your links gets sent to external sites.  On top of that your real name is showing on one screenshot.  Fellow Site Team member dx100uk has already politely asked - Anyway, jk2054 wants to see the communication you got from your local court which will have told you about the hearing date of 17 June, and will have mentioned a deadline for filing your Witness Statement.
    • I believe it is helpful to seek guidance from a range of places and decide on the validity of the sources and frequency of responses which are most helpful. A single voice can be a dangerous thing. As, of course, can groupthink. Scott, it feels like £4k on a solicitor for a £1.5k bill is overkill. Were we back in time I'd suggest small claims court as your claim sounds like it may be straightforward? By all means add that phrase on. I also suggest you contact the court and go and sit in on a couple of similar cases to get a better understanding before you shell out.
    • a card should be 16 digits...urm... note your dates above please. do not miss them no matter what happens  ......................... pop up on the bulk court website detailed on the claimform. [if it is not working return after the w/end or the next day if week time] . When you select ‘Register’, you will be taken to a screen titled ‘Sign in using Government Gateway’. Choose ‘Create sign in details’ to register for the first time. You will be asked to provide your name, email address, set a password and a memorable recovery word. You will be emailed your Government Gateway 12-digit User ID. You should make a note of your memorable word, or password as these are not included in the email.  then log in to the bulk court Website .  select respond to a claim and select the start AOS box. .  then using the details required from the claimform . defend all leave jurisdiction unticked  you DO NOT file a defence at this time [BUT you MUST file a defence regardless by day 33 ] click thru to the end confirm and exit the website .. get a CCA Request running to the claimant . https://www.consumeractiongroup.co.uk/topic/332502-cca-request-consumer-credit-act-1974-updated-january-2015/ .. Leave the £1 PO unsigned and uncrossed . get a CPR  31:14  request running to the solicitors [if one is not listed send to the claimant] ... https://www.consumeractiongroup.co.uk/topic/332546-legal-cpr-3114-request-request-for-information-when-a-claim-has-been-issued/ . .use our other CPR letter if the claim is for an OD or Telecom Debt or Util debt]  https://www.consumeractiongroup.co.uk/topic/332546-legal-cpr-3114-request-request-for-information-when-a-claim-has-been-issued/ on BOTH type your name ONLY Do Not sign anything .do not ever use or give an email . you DO NOT await the return of ANY paperwork  you MUST file a defence regardless by day 33 from the date on the claimform [1 in the count] ..............  
    • Which Court have you received the claim from ? Northamton, civil national business centre Name of the Claimant ? PRA Group Uk Portfolios ltd. How many defendant's  joint or self ? self Date of issue –  21 May 24 date of AOS - 07-06-2024 date for filing defence by - 21-06-2024 Particulars of Claim 1. The claimant claims the sum of £5600 for an outstanding debt owed. 2. On Mar 2000 the Defendant entered into an agreement with Barclays Bank Uk PLC for a credit card under reference ( 11 digit ref ). 3. on Mar 21 the defendant defaulted on the agreement  with an outstanding balance of £5600. 4. On Aug 21 the debt £5600 was assigned to PRA Group (UK) Limited, who itself assigned the debt to PRA Group UK Portfolios Ltd on Dec 23. 5. Notices of assignment were sent to the defendant in accordance with S136 Law of Property act 1925. 6. The claimant has instructed PRA Group (UK) Limited to act on its behalf in the recovery of the outstanding debt and to pursue litigation on its behalf. AND THE CLAIMANT CLAIMS 1. The sum of £5600 What is the total value of the claim? £6100  Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? No - just emails threatening action   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? Yes   Did you inform the claimant of your change of address? no Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? credit card   When did you enter into the original agreement before or after April 2007 ? before - in 2000   Do you recall how you entered into the agreement...On line /In branch/By post ? I don't recall - I suspect post / online   Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? am awaiting access - but I suspect it is    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. assigned - debt purchaser has issued the claim   Were you aware the account had been assigned – did you receive a Notice of Assignment? Pretty certain - Yes   Did you receive a Default Notice from the original creditor? pretty certain - Yes   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? there's been gaps - they went very quiet  Why did you cease payments? Covid lockdowns  What was the date of your last payment? i thought it was 2020 - they say 2021 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? no
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Police let bailiff into my property ***WON - bailiffs certificate removed ***


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can anyone enlighten me on the charges that they can put on and what they cant as ive a feeling tht they might of gone to high

what are the charges you have got written down.

1st visit £24.50

2nd visit £18.00

As there is no levy that has been lawful there shouldnt be a levy charge.

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ive got 2 letters here from them that ask for payment nowhere do they state that they are sezure notices or anything just asking / demaning payment first i have says amount outstanding 366.61 and if the van attends it will be min £110

the second says ounstanding 491.31

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Is wondering why she had a police escort with her? Some one else could of picked the clamp up.

 

when my friend came bk from droppin my kids at school for me she seen her sitting a couple of streets away and told me so i expected her to turn up she must of been waiting for the police then but if she is only one up here with keys to that clamp then maybe she had no choice

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well done vicki nice to hear the clanp has gone as that was my concern with a family member in hospital

 

They know that you know your rights now so i see no reason why the council should not take the debt back and agree an affordable payment plan just be sure to keep a check on the bailiffs fees regards PF

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

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thanx hun they have let my nan home which is why its more of a concern as when she fell she was on bathroom floor overnight and id hate to think that if i was called i couldnt get there knowing she dont have long left i want to be there when she needs me she brought me up and is more my mam that nan

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vicki i lost my dad to cancer last year so i can fully understand please pass on my good wishes to your nan and good luck to you and your family

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

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did you find out from the council the questions PT asked

IF you haven't (and don't want to phone them ) ask for the info by e-mail have added another question to see if the payment you made that were credited to wrong account have been removed for the debt

until you receive a reply to the questions there is no way of working this out

 

have you sent for a breakdown of fees from rossendales

 

 

Ring the Council ASAP and ask:

1 - how many Liability Orders you have

2 - what periods of time they cover

3 - how much is owing on each one

4 - how much is outstanding on each one

5 - when each one was passed to the Bailiffs

6) have any financial adjustments to any accounts been made since it was passed to rossendales if yes please provide the reason for the adjustment

Asking these questions may help us understand what is happening.

 

Next I would send off for a Breakdownlink3.gif of charges the bailifflink3.gif has added. Use something like this - adapt for your own needs and send by email & hard copy in the post by Signed For service:

 

"From:

My Name

My Address

 

To:

Acme bailifflink3.gif Co

Bailiff House

 

Ref: Account No: 123456

 

Dear Sir

 

With reference to the above account. Can you please provide me with a breakdown of the charges including Computer Screenshot.

 

This includes:

a - the time & date of any Bailiff action that incurred a Fee.

b - the reason for the fee.

c - the name(s) of the Bailiff(s) that attended on each occasion a Fee was charged.

d - the name(s) of the Court(s) the Bailiff(s) was/were Certificated at.

e - the date of the Certification.

 

This is not a Subject access requestlink3.gif under the Data Protection Act S7 1998 so does not incur a fee of £10. You are obliged to provide this information.

 

I require this information within 14 days.

 

Yours faithfully

 

Ripped off customer"

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she must of known she was in the wrong to come and remove it and she came with police escort lol

 

I would guess the clamp was removed because the car would not fetch the required sums to meet the costs of removal and auction. Clearly, the threat of removal did not prompt you to pay what you owe.

 

As you previously attacked the bailiff in your home, it was therefore necessary for her to have the police in attendance.

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I would guess the clamp was removed because the car would not fetch the required sums to meet the costs of removal and auction. Clearly, the threat of removal did not prompt you to pay what you owe.

 

As you previously attacked the bailiff in your home, it was therefore necessary for her to have the police in attendance.

Oh give me a break HCE, why do you automatically assume that the OP attacked the bailiff??? you know full well that bailiffs are very heavy handed and what that bailiff did was well beyond what she is allowed to do, why dont you do us all a favour and quit the forums as you are obviously here just to wind people up.

Aw or is it that you are upset that some one got one over on a bailiff again, you just dont like it that people are starting to fight back and are not sitting around, scared waiting for the likes of you to come knocking on their door to rip some poor sod off with extortionate fee's.

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Oh give me a break HCE, why do you automatically assume that the OP attacked the bailiff??? you know full well that bailiffs are very heavy handed and what that bailiff did was well beyond what she is allowed to do, why dont you do us all a favour and quit the forums as you are obviously here just to wind people up.

Aw or is it that you are upset that some one got one over on a bailiff again, you just dont like it that people are starting to fight back and are not sitting around, scared waiting for the likes of you to come knocking on their door to rip some poor sod off with extortionate fee's.

 

well said and i agree its not about getting one over on a bailiff by a long shot the fact is she broke the law in more than one way aswell as upseting all of my childrenive had 3 sleepless night as ive been up with my daughter and her nightmares no child should ever see there mother attacked by what is supposed to be well doing a job that means they dealing with public ther are standards set i just dont think u lot that do the job where showen them i will fight my corner all the way and will now help others do the same as cag have for me

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thank you vicki i am coming to terms with it now but still hate to see vulnerable people like yourself being treated very poorly indeed the world we

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

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i must admit if i had not of found this group i dont no what i would of done about this i would of been pushed into the corner she wanted me in i now feel stronger about it and feel that i can fight my corner and be more than happy to help others if i could these kinds of people need stopping

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Well done with that vicki. I have just sent a complaint about her to the coucil and rossendales today by email and will get the letters printed and sent off aswell. Hope that is enough because I really dont fancy her snooping around my house even if she cant come in, she said she would be back today or tomorrow but she cant do anything because she didnt leave a notice of seizure when she spied on me and levied the car.

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hehe lol hce did not stay long he is doing a very bad job at trying to vindicate bailiffs actions just why he comes here of all places beats me as we all know what they can and cant do

Edited by pompeyfaith

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

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I would guess the clamp was removed because the car would not fetch the required sums to meet the costs of removal and auction. Clearly, the threat of removal did not prompt you to pay what you owe.

 

And i would guess from the above statement that the car should not have been clamped in first place

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