Jump to content


  • Tweets

  • Posts

    • Thank you for your pointers - much appreciated. dx100uk - Apologies, my request wasn't for super urgent advice and I have limited online access due to my long working hours and caring obligations - the delay in my response doesn't arise in any way from disrespect or ingratitude. I will speak to her at the weekend and see if she will open up a bit more about this, and allow me to submit the subject access request you advise - the original creditor is 118 118 loans and from the letter I saw (which prompted the conversation and the information) the debt collection agency had bought the debt from 118 and were threatening enforcement which is when she has made a payment arrangement with them for an amount of £180 per month. It looks as if she queried matters at the time (so I wonder if I might with the FIO request get access to their investigation file?) - the letter they wrote said "The information that you provided has been carefully considered and reviewed. After all relevant enquiries were made it has been confirmed that there is not enough evidence present to conclusively prove that this application was fraudulent.  However, we have removed the interest as a gesture of goodwill. As a result of the findings, you will be held liable for the capital amount on the loan on the basis of the information found during the investigation and you will be pursued for repayment of the loan agreement executed on 2.11.2022 in accordance with Consumer Credit Act 1974"  The amount at that time was over £3600 in arrears, as no payments had been made on it since inception and I think she only found out about it when a default notice came in paper form. I'm a little reluctant to advise her to just stop paying, and would like to be able to form a view in relation to her position and options before unsetting the applecart - do you think this is reasonable? She is young and inexperienced with these things and getting into this situation has brought about a lot of shame regarding inability to sort things out/stand up for herself, which is one of the reasons I have only found out about this considerably later Thank you once again for your advice - it is very much appreciated.    
    • That's fine - I'm quite happy to attend court if necessary. The question was phrased in such a way that had I declined the 'consideration on the papers' option, I would have had to explain why I didn't think such consideration was appropriate, and since P2G appear to be relying on a single (arguably flawed) issue, I thought it might result in a speedier determination.
    • it was ordered in the retailers store  but your theory isnt relevant anyway, even if it fitted the case... the furniture is unfit for purpose within 30 days so consumer rights act overwrites any need to use 14 days contract law you refer too. dx  
    • Summary of the day from the Times. I wasn't watching for a couple of interesting bits like catching herself out with her own email. Post Office inquiry: Paula Vennells caught out by her own email — watch live ARCHIVE.PH archived 23 May 2024 11:57:02 UTC  
    • Frankly I think you should go to a hearing unless you feel especially nervous . If you have any worries then you should follow our link to find out about a county court familiarisation visit     You shouldn't forget that county Court judgements are very helpful but they are not binding. They are only persuasive.  It is difficult to see you losing but it might be better to be there in order to counter any arguments from the other side
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

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

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4907 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi all i have recieved a letter today from phillips for a unpaid court fine for no tv license for 2 weeks.

the fine originally was for £100 which i had paid £20, phillips have sent letter asking for £165 i have asked them what the costs were they have said for proccessing and other costs. i have also been advise that they will be sending someone to collect goods with a van which will cost me £200 if not paid within 7 days...they have said they have a warrant from the courts to enter my house with force if necessary is this true.....

 

the letter opens with this sentence..

 

your outstanding account has been included as part of operation crackdown,her majesty's courts service national campaign targetting fine defaulters.

 

and at the bottom it says...

 

our removal baliffs have the power to enter your premise, by force if necessary,to execute warrants as per sch4a magistartes court act 1980 as inserted by schdvcd act 2004..

 

 

i am a little worried about this as the way they word things are quiet scarry.i know abit about the cost with a normal baliff but not to sure in this case.

are they allowed to charge costs for just taking on the debt which is what the guy from phillips has said..

this is the first letter i have recieved ..however i have recieved many text message on my house phone for me to call them..

please can someone help or advise

thanks in advance

Link to post
Share on other sites

There is an official advice on bailiffs and court fees: http://www.hmcourts-service.gov.uk/courtfinder/forms/ex345.pdf On page 3 under Magistrates courts. It says …are not allowed to charge you more than the amount you are fined.

 

The advisory says there is an agreed scale of fees which bailiffs can charge, however that is by way of a contract between HMCS and the bailiff. There is nothing in that contract that says it can be charged to the debtor, and in any event, there is no contract (or court order) obligating the debtor to pay any fees. The HMCS contract allows the bailiff to deduct the fee from the fine collected and the balance is paid to HMCS.

 

In short, you dont need to pay the bailiffs fees. Only the fine.

Professional property investor and conveyancer

Link to post
Share on other sites

This is what I've found out:

 

All bailiff fees (with the exception of magistrates' court bailiffs) can be looked at by the county court to see if they are reasonable or excessive. This is known as 'detailed assessment'. If you think that the bailiff's fees are excessive you should get further advice about this.

 

How you're supposed to find out about magistrate court fines I don't kow. I'm sure someone will be along soon who can help.

Link to post
Share on other sites

hi thanks for the advice guys

can someone explain what a distress warrant is and how do i find out if there is one before they knock on the door.

if they do knock and they have one do i have to let them in...

thanks

Link to post
Share on other sites

Found this - hope it helps:

 

“A person executing a Warrant of Distress must either show the warrant to the person against whom the distress is levied, or state where and how it can be inspected. • It is not essential that the warrant be in the possession of the person executing it at the time of execution.

 

• He must explain, in ordinary language, the sum for which distress is levied and the reason for the distress.

• He must show documentary proof of his identity.

• A civilian enforcement officer or approved enforcement agency (or employee, partner or director thereof) must provide a written statement of their and their employer’s identities and authority to a person against whom they execute a warrant”

Another very important point concerning the warrant is that for Distress Warrants and Financial Arrest Warrants, the relevant contracts provide that where the bailiff has failed to make contact with you on a first visit (which of course attracts a fee!!), he is required to put through your letterbox, a letter with the time and date of his visit. He must also make a note of this letter on the Warrant (which will be in his possession) and to include on the warrant also: “any identifying marks of the address”…such as the “specific colour of the door” as proof that he made the visit!!!! This is most important when checking the bailiff’s fees.

If the bailiff either refuses to provide you with a copy of the Warrant or to let you see the Warrant, our advice, would be to write a letter immediately to the Court Manager at the Magistrates Court to complain. Please ensure that you keep a copy of your letter and remember to send it by Registered mail.

We frequently hear from individuals that bailiffs have refused to show the distress warrant. If the warrant is in order, we cannot think of a suitable reason for withholding this vital document.

 

 

 

 

 

As I understand things, the only people who can force entry are HMRC for taxes. Not only do you not have to let them in, you shouldn't let them in. Lock the doors and windows. If unlocked they have every right to walk through the door or climb through an open window. Once they have gained peaceful entry once, they can force their way in any other time, so don't let them in.

Link to post
Share on other sites

  • 2 weeks later...

just a quick up date i have recentley sent phillips for a breakdown on the costs and again they came back with.....

£75 for taking the case and not only that in there reply they have now added..£200 for a baliff to be put on the case however i have not seen this baliff yet this is just for being assigned to the case

is this allowed,,,,please help the bill now stands at £365 minus £10 i paid last week..i have only recieved 1 letter loads of text messages on my home phone and no visits at all......hhheeeelllllpppp

Link to post
Share on other sites

thanks for the advice who shold i contact about this to get it sorted as phillips refuse to talk about the fees over the phone you just cant get a conversation out of them they are very abrupt and blunt..

Link to post
Share on other sites

As long has nothing has been physically removed Post 2 would seem to apply. Have a read of page 3, it's quite clear and comes direct from the court. Failing that my post says seek further advice if you think they're unfair. Either ask here or pop into CAB.

 

Hopefully post 2 is right and you can quote this to the bailiffs. Maybe worth phoning the court first to check it's correct.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...