Jump to content


  • Tweets

  • Posts

    • I am not sure what you are expecting. This is nothing new, it is just that the person concerned caught the incident on camera, that makes it newsworthy, apparently. Simply the EA fell foul of the regulation which defines "relevant premises". I can think of several judgments which agree with this, and found against the Bailiff..: 6)Otherwise premises are relevant if the enforcement agent reasonably believes that they are the place, or one of the places, where the debtor— (a)usually lives, or (b)carries on a trade or business. The bailiff may call at relevant premises, this may or may not correspond to any residential information suppled by the creditor or his office, the provision is permitted under his general powers.   The point is that the EA must have a reasonable belief that the person lives or works there. Once the EA acts outside the procedure authorised by his writ(Schedule( 12), he is open to actions under common law or those rules applicable under other legislation.   Problems only arise when people take this incident to prove something that it doesn't.     There is no disputing that the bailiff and the company behaved atrociously, and there is no denying that DCBL makes a habit of this kind of thing    
    • I feel a snotty something coming on. Whatever it is it's not Batflu 😂😂   It was an ANPR capture. ..... SMILE 🖕.....   Is this enough or should I write a proper defense??   A lack of contractual obligation makes your demands spurious, please refer back to your client and desist this harassment
    • Welcome to the Forum. Could you please just clarify the date you received the NTK. It doesn't usually take 11 days to deliver unless it went via a lease company or business address first.
    • A. It’s statute barred B. It won’t have any effect on a mortgage c. The person who dropped the card through your door is powerless
    • Hello,  So long story short my cousin and best friend has got themselves in to quite a pickle. They moved into a new build about a year ago and have always had "luck" never being charged for gas and electric as somehow in the past 8 years they would always be skipped and never chased up or checked for their electricity despite numerous different places they've lived in. Their luck seems to have run out with scottish power and they're not sure what to do at the moment for a few reasons: All letters are addressed to the occupant and not their actual name They've been hesitant to phone scottish power as they've received letters on estimated readings but scottish power have been known to charge both estimated AND actual if you're higher than your estimated which seems crazy to me as if you're lower you don't pay your lower AND actual you pay and receive the difference   Grosvenor has just contacted them saying they've been instructed to collect outstanding arrears, they have PTSD dealing with some bailiffs in the past(long story but the issue actually had nothing to do with them, had wrong address but Bailiff nearly hospitalized the poor girl) and aren't sure how to move forward because no one answers the phones at Grosvenor and of course wouldn't want it to escalate. What can my dear cousin do?
  • Our picks

    • @curryspcworld @TeamKnowhowUK - Samsung 75 8K TV - completely broken by Currys. https://www.consumeractiongroup.co.uk/topic/426151-samsung-75-8k-tv-completely-broken-by-currys/&do=findComment&comment=5069075
      • 4 replies
    • @skinnyfoodco Skinny Foods. https://www.consumeractiongroup.co.uk/topic/426130-skinny-foods/&do=findComment&comment=5068996
      • 8 replies
    • I’m in desperate need of help
       
      I bought some clothes online in may through Evans and paid through PayPal
      returned them all seven days later
       
      I waited the 14days for my refund and no refund came
      I put in a dispute through PayPal but I didn’t get any emails to escalate the case - PayPal closed it. 
      evans said they couldn’t refund the money because PayPal have cancelled the refund because of the open dispute
       
      I contacted PayPal
      they said the dispute had been closed but Evans at no point had attempted a refund.
      fast forward to today
       
      I’ve got copies of numerous messages sent to and from twitter messages as it’s the only way I can contact them
      I’ve also contacted their customer service too
      all I get is PayPal have cancelled refund because dispute is still open.
       
      I have proved that the dispute is closed
      I have got an email saying that if Evans sent the refund they would accept it
      but up until the date I got the email they have not once attempted a refund .
       
       I have sent them a letter before court email
      I have even offered to have the full refund as a gift card just to get this sorted !
       
      I’m literally at the end of my tether and don’t know where to turn next !
       
      i suffer with mental health issues and this is affecting my health and I’d saved the money for a year to buy these clothes as I’m on a low income .
    • In desperate need of help. https://www.consumeractiongroup.co.uk/topic/425244-in-desperate-need-of-help/&do=findComment&comment=5067040
      • 29 replies

Please note that this topic has not had any new posts for the last 3501 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

Link to post
Share on other sites

Hi jamanji,

 

It might pay you also to look at the site blog and site team member sequenci on f &fs. I can point you also in the direction of a couple of websites written by law firms which will give you a deeper insight which were of help to us in making our minds up to do it and we won at 10%.

 

regards

oilyrag.

Link to post
Share on other sites

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

Link to post
Share on other sites

Hi silverfox, bowing deeply

 

And your link includes:

 

"• Always ensure that negotiations are in writing, via recorded delivery if possible. Keep a copy of the confirmation letter in a safe place.

• For credit debts consider a request under the Consumer Credit Act to see if there are any issues with the paperwork. A creditor is likely to accept a very low settlement on a potentially unenforceable debt.

• Try and ensure that your credit file is marked as fully satisfied as a condition of the settlement.

• Ensure that the letter sent with the payment clearly states ‘full and final settlement’.

• If a third-party is giving you the lump-sum they should pay the creditors directly, this makes the arrangement more binding.

• For larger settlements you may wish to have the agreement formalised via a ‘deed’ drawn up by a solicitor, this would make the arrangement legally binding.

 

x

 

v

  • Haha 1
Link to post
Share on other sites

Hi jamanji,

 

There were two sites we referred to. Please note I can never make muy links work properly so probably the quickest way to get there is to enter

 

Addleshaw Goddard in your search engine. The site is not too easy to navigate but there is section on full and final settlements which will take you back to the infamous Pinnel case of 1602 ( ruling still extant) but they give explanations and bring you up to date with case references even to Lloyd LJ sitting in the Court of Appeal.

 

Secondly try the same with:

 

Gannons London Solicitors They have a section on F & F which is actually advice for creditors (the opposition shall we say). This details what they can do and what they must not do and the consequences of same. I have quoted at length from it on here before but it may be easier for you to look yourself and draw your own conclusions.

 

Once the decision had been made that on the OD and loan we would offer F & F we asked a solicitor to set it all up and make it watertight. we thought we might have to pay about 70 to 80% but anything helps. However they said opening bid maximum 10% and the bank fell into legal quagmire straight away. They tried a bit of nastiness 3 months later, solicitor said let them hoist themselves on their own petard and then we take them apart. All is now quiet. It was all done almost exactly as sequenci has suggested in his blog other than correspondence was solicitors, who handled the third party cheques.

 

regards

oilyrag.

  • Confused 1
Link to post
Share on other sites

Thanks jamanji and rockwell, Not barclaycard unfortunately but Barclays bank themselves. Still have BC ongoing. They are just nasty and unmovable but so are we and our sols. The bank side is just ---- well????? If I was to say that the index finger of the left hand does not know what the thumb of the same hand is doing just about sums it up.

 

regards

oilyrag

Link to post
Share on other sites
  • 4 weeks later...
Hi jamanji,

 

It might pay you also to look at the site blog and site team member sequenci on f &fs. I can point you also in the direction of a couple of websites written by law firms which will give you a deeper insight which were of help to us in making our minds up to do it and we won at 10%.

 

regards

oilyrag.

 

You say you 'won at 10%' Oilyrag, how are you defining won? Have they accepted your payment and cleared your file?

Link to post
Share on other sites
You say you 'won at 10%' Oilyrag, how are you defining won? Have they accepted your payment and cleared your file?

 

I think that's what oily managed to get sorted, yes.

Link to post
Share on other sites
I think that's what oily managed to get sorted, yes.

 

Can I ask how did Oily get them to clear his credit file without taking them to court. I've just done a 3rd part full and final but the bank is refusing to accept my arguments. Thx

Link to post
Share on other sites
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...