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    • Amex as with any creditor must help you the FOS should go with you and make them remove all interest charged from the very 1st time of asking for help. the FCA regulations actually almost dictate it, they most certainly clearly state that if the are FCA registered they must help.   it's very telling they have no marked your credit file....almost as if they know they are wrong. it's also telling that an irresponsible lending complaint might well be in order hear too, they can just keep upping the credit limit without checking you can pay. and ofcourse covid plays its part here and they've already admitted as they allowed payments holidays until october in line with the rest of the industry and they should be continuing that. you problem is you keep using the phone, no paperwork no record of things discussed. i'd get an SAR off to them. and get the comms/account log and all the statements from day one and go nail them.
    • Hello CAG, Bit of a long post, may want to get a cuppa before starting reading... 😁   after being a lurker for many years and trying never to get into a mess with credit cards like i did 20 years ago, i've got myself into a mess with Amex... I've tried being open and honest with them, but now getting the feeling they are messing me around.    Its not a chargecard, but a Nectar Credit Card with them. TAKEN out 2016. Balance is just under £15k as of today, was almost at £17k.  Debt still owed by Amex, not been sent to NCO/Arrow etc - YET...    Background (short version): Was all fine with more than min. payment (£500 or so), being made until April 2020 when a number of things reduced my monthly salary from work (mainly, take a pay cut or be made redundant), so I soon quickly realised i needed to tighten my belt quickly. Phoned Amex, advisor said nothing they could do except Payment Holiday. Was put onto that for 3 months, told that Amex will be in touch at the end to restart payments. I asked about interest being stopped/frozen/reduced - not possible. So agreed to payment holiday to give me breathing space. 3 months came and went, no contact from Amex... No payments made, interest still racking up at around £300 a month...    Rang Amex back (July 2020), we cant do anything today because your in the middle of the statement cycle call back next week. Called back week after, no solution yet (i asked about things i seen on Amex US website = Regain program - basically freeze card, lower interest rate and pay a set amount for 12 months - more about this later) > Not available in UK yet.   Want to stay on payment holiday Mister B? I asked if there was any way interest could be stopped as this is making the balance increase and increase. No. Do you want to stay on Payment Holiday? Ok. (Bear in mind, if i came off Payment holiday. Minimum Payment was around £570 per month.  So, stayed on payment holiday... Didnt hear anything from Amex again. Called back up in September 2020. Please call back in October after 10th and we can assist.   Called back after October 10, went through loads of stuff, different options etc, was warned that Payment Holiday might not be extended much longer, but now have a program. Worked out with Amex woman that i could pay around £200 per month. But please stop interest - no we cant but we can reduce this down to 9.9APR instead of 23%... . Amex woman said she needed to submit details to 'Seniors' at Amex, please call back next week for update.   Called back week after, advised that first Amex woman was wrong and had made mistakes, shouldn't have told me what she had told me, £200 is too low, minimum would be £389 per month for 12 months or account will default. Told Amex woman 2 that couldn't afford it, went through this last time, etc etc. Amex woman 2 went off, came back, £329.74 is minimum they can possibly accept, 12 months at that amount per month and interest would be lowered, but not stopped. If you dont take out this 'Program' then account will default and will be passed to NCO or Arrow (I hate them both).  Went off, tried to get loans etc, all refused. Rang Amex back, reluctantly agreed so i can keep credit rating at 'good'.  So, been paying since Nov 2021 @ £329.74.    Letter arrived in December - due to out mess up with moving accounts around whilst on payment holiday, we are going to give you £3074 back. Logged into account, only £30.74 refunded, not £3074. Phoned Amex cos thought it was a joke/mistake - Spoke to some bloke - Oh dont worry, the rest will be applied to account automatically in 7 days. he advised was genuine but then got cut off during call. Called back, spoke to some other bloke, yes, looks genuine but please hold... Came back 10 minutes later. Oh, its a mis-print, you are not the only customer to receive one of these. Each should have been £30.74 not £3074. Me = Gutted.    Wrote a letter to Amex saying how dissatisfied i was with general customer service and felt they were incompetent, blah blah etc. Final response received, Complaint partially upheld, heres £150 credit because we were a bit silly, but thats it. IF your still not happy, go to FOS. Opened a case with FOS... Have sent them the complaint letter to them and have had a call from them about this... FOS are backlogged though and will take another 3 months for complaint to be looked at by them.   Let me make this 100% clear, fully admit to owning the debt, yep, ive spent this money (wish I knew what on, cos having got much to show from it - just general stuff and holidays)... Not trying to shirk out of it, trying my best to keep up with re-payments but im really struggling. After I got paid on 1st April, after paying all outgoings i had £9.83 left in current account so am having to go into overdraft each month which is just a vicious circle.  I would really like to NOT have to down the default route and trash my credit rating and then have to deal with the morons at NCO / Arrow etc.    Meanwhile, this is where I need the advice of the CAG experts... - Credit Limit increases... These were coming every few months and it was just being upped and upped and upped. Credit limit eventually was stopped at £15,400. Some of the increases I never even received letter for, just noticed when I logged into account. >>>> Would this be a case for irresponsible lending?   - Stopping interest - I've read something on FCA site that they recommend (not policy) that if a customer is put onto a payment holiday then they recommend freezing interest for customer so the debt doesn't continue to build. I've asked time and time again, Amex just refuse.  >>>> Any tips on how to get Amex to play ball?    - Full & Final/Short settlement I've rung Amex today, told them I might be able to pay it off. Initially they said full balance, i then pushed, they then said they would accept 80% of balance, pushed them a bit more, got it down to 70%. >>> Surprised, and then very surprised they would accept 70%, anyone else think this is a bit odd? Normally they wont budge, or they wont budge from their first offer... Could their be something wrong on account (missing CCA etc?), or do they want rid of me and account as much as I do with them?   - Cant really keep going at these £329.74 repayments. Something is going to have to give somewhere. I believe they wont go any lower and they will just default it i send £100 instead of £329 and send it out to NCO/Arrow. This might not be a too bad thing though because this would stop the interest right? Anyone thoughts on this?    Anyone think of anything else I could try with them? Again, its still with Amex, not defaulted or anything yet, yep, its all my own fault, i've spent the money, dont deny that, just feel Amex have took advantage etc.   Many thanks for reading. Any advice is greatly appreciated.   Kr, Mista B.     
    • Ok so we have complained to HMRC but were still no further forward with getting the P45/P60. We need this as DVLA has said they need more proof of who he is before giving him a provisional license.  What more can l do. 
    • Hi All   just looking for some advice. I bought a used Porsche Boxster from one of Marshall motor group’s Audi dealers (can I name them?) recently and was assured that it received a major service in October 2020 in line with the manufacturers requirements. The service book confirms this. The dealer also told me on the phone that they have a 6 month rule with any mot or service being done if due within this period which assured me when making an offer over the phone on the car that it wouldn’t need anything doing for a while as I recall saying that.   However, digging through the receipts post delivery I saw that the service was in fact minor and after calling the specialist who serviced it in Oct both they (Sheepishly) and the invoice confirmed that the car did not receive new spark plugs, an air filter, brake fluid replacement or a new fan belt which have now all fallen due and hence the major service due warning light. Had I not investigated this then the car would have potentially gone another 4 years, so 8 in total without some of these items being done.   i emailed the salesman to ask what they would propose to do. The matter is complicated by my living 450 miles away in Scotland, and 200 from their nearest branch, a Mercedes dealer in the Lake District, so I suggested getting my cheapest local specialist to do the works that have fallen due, however I have received no response.   Whilst I am still within my 30 days i don’t want to reject the car, which is otherwise perfect, but the fact remains that the Audi 150 point check only asks for upcoming mot’s to be checked and not services and surely you wouldn’t buy an approved used car and expect to have the service light come on 2 weeks later and have to spend almost £500 putting it right.   i would really appreciate some advice on next steps and perhaps who to escalate this to. Meantime the car is booked in for 2 weeks time to get the work done at the cheapest reputable place I could find.   Many, many thanks in advance
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      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
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My sister has just recieved a letter from Jacobs re CTax non payment. She already has an acct with them and is paying £10 per fortnight.

 

She is in reciept of incapacity, housing and ctax benefit and lives alone. She has arthritis and depression which she is under her gp and on medication for.

 

This debt is for the current year which she admits she has not been able to pay. However she doesnt remember recieving a court hearing notice (although this could have been sent and she not remembered)

 

She cannot afford another £10 a fortnight...she certainly cant afford another £50 1st fee which Jacobs want in order to set her up on a payment plan.

 

The bailiff wants to call at the house within the next 24 hours....she lives in rented accommodation and has very little possessions. What she has got has already been noted for the debt she is currently paying with them.

 

I have no idea about how the bailiff system works. Advice please my lovely caggers!!!

All advice is based on my experiences. I am NOT qualified and as such cannot be held responsible for any mistakes. If in doubt...get professional help.

If you like what i have said then make me a star!!

Some helpful links

I have been successful in many cases..here are links to some

Housing Act and deposits: http://www.consumeractiongroup.co.uk/forum/showthread.php?266260-Deposit-being-withheld.-Please-advise&highlight=

Against Natwest: http://www.consumeractiongroup.co.uk/forum/showthread.php?278646-N-west-v-Mrsfoot-s-Son.-***WON_ALL-CHARGES-REFUNDED***&highlight=

Against Swift Advances: http://www.consumeractiongroup.co.uk/forum/showthread.php?46576-Me-V-Swift&highlight=

Against B&Q: http://www.consumeractiongroup.co.uk/forum/showthread.php?172878-Me-vs-B-amp-Q&highlight=

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Moved to the bailiffs forum.

Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

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Does she receive FULL Housing and CTax benefit? I presume there is no income support top up to the Incap. She is very likely to fall within the vulnerable category under the National Association of Enforcement Agencies Guidelines 2002 on vulnerability that make bailiff action with the consequential addition of fees inappropriate. As hallow has posted she does not have to deal with the bailiff, in any event if they already have a levy, they cannot levy the same goods again, and should ask the council to take the account back, and consider deduction from benefit.

 

Vulnerable situations

 

 

  • Enforcement agents/agencies and creditors must recognise that they each have a role in ensuring that the vulnerable and socially excluded are protected and that the recovery process includes procedures agreed between the agent/agency and creditor about how such situations should be dealt with. The appropriate use of discretion is essential in every case and no amount of guidance could cover every situation, therefore the agent has a duty to contact the creditor and report the circumstances in situations where there is potential cause for concern. If necessary, the enforcement agent will advise the creditor if further action is appropriate. The exercise of appropriate discretion is needed, not only to protect the debtor, but also the enforcement agent who should avoid taking action which could lead to accusations of inappropriate behaviour.
  • Enforcement agents must withdraw from domestic premises if the only person present is, or appears to be, under the age of 18; they can ask when the debtor will be home - if appropriate.
  • Enforcement agents must withdraw without making enquiries if the only persons present are children who appear to be under the age of 12.
  • Wherever possible, enforcement agents should have arrangements in place for rapidly accessing translation services when these are needed, and provide on request information in large print or in Braille for debtors with impaired sight.
  • Those who might be potentially vulnerable include:
    • the elderly;
    • people with a disability;
    • the seriously ill;
    • the recently bereaved;
    • single parent families;
    • pregnant women;
    • unemployed people; and,
    • those who have obvious difficulty in understanding, speaking or reading English.

     

I would initiate a Formal Complaint if they continue with the jokers known as Jacobs, with the council CEO copied to elected leader councillor and MP, who you can contact through www.writetothem.com, as you are most likely vulnerable quote the guidelines in any complaint, and demand it is taken back off Jacobs

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

 

The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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Does she receive FULL Housing and CTax benefit? No, there is a shortfall of roughly £30 p/m on each

I presume there is no income support top up to the Incap. No top up.

She is very likely to fall within the vulnerable category under the National Association of Enforcement Agencies Guidelines 2002 on vulnerability that make bailiff action with the consequential addition of fees inappropriate. As hallow has posted she does not have to deal with the bailiff and should ask the council to take the account back, and consider deduction from benefit.

 

Thanks, so how does she go about this? Should I email the Council on her behalf and explain the situation?

Vulnerable situations

 

 

  • Enforcement agents/agencies and creditors must recognise that they each have a role in ensuring that the vulnerable and socially excluded are protected and that the recovery process includes procedures agreed between the agent/agency and creditor about how such situations should be dealt with. The appropriate use of discretion is essential in every case and no amount of guidance could cover every situation, therefore the agent has a duty to contact the creditor and report the circumstances in situations where there is potential cause for concern. If necessary, the enforcement agent will advise the creditor if further action is appropriate. The exercise of appropriate discretion is needed, not only to protect the debtor, but also the enforcement agent who should avoid taking action which could lead to accusations of inappropriate behaviour.
  • Enforcement agents must withdraw from domestic premises if the only person present is, or appears to be, under the age of 18; they can ask when the debtor will be home - if appropriate.
  • Enforcement agents must withdraw without making enquiries if the only persons present are children who appear to be under the age of 12.
  • Wherever possible, enforcement agents should have arrangements in place for rapidly accessing translation services when these are needed, and provide on request information in large print or in Braille for debtors with impaired sight.
  • Those who might be potentially vulnerable include:
    • the elderly;
    • people with a disability;
    • the seriously ill;
    • the recently bereaved;
    • single parent families;
    • pregnant women;
    • unemployed people; and,
    • those who have obvious difficulty in understanding, speaking or reading English.

     

I would initiate a Formal Complaint if they continue with the jokers known as Jacobs, with the council CEO copied to elected leader councillor and MP, who you can contact through www.writetothem.com, as you are most likely vulnerable quote the guidelines in any complaint, and demand it is taken back off Jacobs

 

Thanks again....*makes a mental note to read up on bailiff system*

All advice is based on my experiences. I am NOT qualified and as such cannot be held responsible for any mistakes. If in doubt...get professional help.

If you like what i have said then make me a star!!

Some helpful links

I have been successful in many cases..here are links to some

Housing Act and deposits: http://www.consumeractiongroup.co.uk/forum/showthread.php?266260-Deposit-being-withheld.-Please-advise&highlight=

Against Natwest: http://www.consumeractiongroup.co.uk/forum/showthread.php?278646-N-west-v-Mrsfoot-s-Son.-***WON_ALL-CHARGES-REFUNDED***&highlight=

Against Swift Advances: http://www.consumeractiongroup.co.uk/forum/showthread.php?46576-Me-V-Swift&highlight=

Against B&Q: http://www.consumeractiongroup.co.uk/forum/showthread.php?172878-Me-vs-B-amp-Q&highlight=

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Oh, another question...will it matter that she took on a payment plan with Jacobs last time? Will she still be able to use the "vulnerable" status?

All advice is based on my experiences. I am NOT qualified and as such cannot be held responsible for any mistakes. If in doubt...get professional help.

If you like what i have said then make me a star!!

Some helpful links

I have been successful in many cases..here are links to some

Housing Act and deposits: http://www.consumeractiongroup.co.uk/forum/showthread.php?266260-Deposit-being-withheld.-Please-advise&highlight=

Against Natwest: http://www.consumeractiongroup.co.uk/forum/showthread.php?278646-N-west-v-Mrsfoot-s-Son.-***WON_ALL-CHARGES-REFUNDED***&highlight=

Against Swift Advances: http://www.consumeractiongroup.co.uk/forum/showthread.php?46576-Me-V-Swift&highlight=

Against B&Q: http://www.consumeractiongroup.co.uk/forum/showthread.php?172878-Me-vs-B-amp-Q&highlight=

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Oh, another question...will it matter that she took on a payment plan with Jacobs last time? Will she still be able to use the "vulnerable" status?

 

no it doesn't matter

 

what council is it

find out about this debt

 

Amount of liability order (confirmed by council)

what goods were levied

 

send this by e-mail to Jacobs and council recovery dep so we can see what fees have been added to the debt

Name

Address

bailifflink3.gif Ref: Account No: 123456

Council Ref No: 435672

Date

Dear Sir,

With reference to the above account please provide me with a breakdown of all fees charged and payments made for the above account

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.

The National Standards for Enforcement Agents state that if a written request is made an itemised account of fees will be provided.

Please provide the information requested within 14 days of this E-mail /recorded delivery letter

Yours faithfully

Ripped off customer"

  • Haha 1
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Do as hallow suggests pdq, and read up on the stickies on the forum, others will be able to advise as to how the vulnerability aspect could be used, you will get good advice on here

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

 

The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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no it doesn't matter

 

what council is it

find out about this debt

 

Amount of liability order (confirmed by council)

what goods were levied

 

send this by e-mail to Jacobs and council recovery dep so we can see what fees have been added to the debt

Name

Address

bailifflink3.gif Ref: Account No: 123456

Council Ref No: 435672

Date

Dear Sir,

With reference to the above account please provide me with a breakdown of all fees charged and payments made for the above account

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.

The National Standards for Enforcement Agents state that if a written request is made an itemised account of fees will be provided.

Please provide the information requested within 14 days of this E-mail /recorded delivery letter

Yours faithfully

Ripped off customer"

 

Done, thanks..my sister feels a lot happier now. I knew CAG wouldnt let us down x

All advice is based on my experiences. I am NOT qualified and as such cannot be held responsible for any mistakes. If in doubt...get professional help.

If you like what i have said then make me a star!!

Some helpful links

I have been successful in many cases..here are links to some

Housing Act and deposits: http://www.consumeractiongroup.co.uk/forum/showthread.php?266260-Deposit-being-withheld.-Please-advise&highlight=

Against Natwest: http://www.consumeractiongroup.co.uk/forum/showthread.php?278646-N-west-v-Mrsfoot-s-Son.-***WON_ALL-CHARGES-REFUNDED***&highlight=

Against Swift Advances: http://www.consumeractiongroup.co.uk/forum/showthread.php?46576-Me-V-Swift&highlight=

Against B&Q: http://www.consumeractiongroup.co.uk/forum/showthread.php?172878-Me-vs-B-amp-Q&highlight=

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  • 11 months later...

Hi guys. Just a quick update.

 

The local council wrote to my sister and said they had no responsibility over Jacobs. They gave the details of how much was owed, and it seems Jacobs have added £80 to each account (only one had a levy at the time) so I am not sure why £80 was added to the second. Plus, the £80 is a weird amount?? Anyway, my sister had a full breakdown. this had other consequences, but I ensured her £10 fortnightly payments were made by putting the money in her account myself.

 

So, the monsters that are Jacobs have raised their ugly heads. It's been ridiculous over the last 11 months. A short breakdown is they kept writing to My sister, telling her she was in arrears with her account. This is of course a load of b..rubbish. She paid the original £10 per fortnight for acct 1, then paid £10 the other fortnight for acct 2. They wanted to join the accts together, even though they have separate acct numbers and ref numbers. I wrote to them on her behalf and told them it would not happen. I have replies from them telling her she remains in arrears..even though every fortnight the payment is made. We took a screen grab of her banking and sent that. A jobs worth called her and basically told her she 'had a mental health illness, which seemed to come and go on demand'. It took all my strength not to go to their local office and show her what a mental health illness is.

 

Anyhow, eventually they 'agreed' to let her pay the two £10's (good of them). Now, she has fully cleared one, the one with the levy on her few possessions and is still paying her other £10 a fortnight. Today, she received a letter saying she needs to prove she is still on benefits, giving her 7 days to provide evidence.

 

I am currently putting a letter together to email them. I want to know what I left to pay and whether there has been any levy for this second account (it is possible she let them in during her manic times and not remembered). I will update again when she receives a response.

All advice is based on my experiences. I am NOT qualified and as such cannot be held responsible for any mistakes. If in doubt...get professional help.

If you like what i have said then make me a star!!

Some helpful links

I have been successful in many cases..here are links to some

Housing Act and deposits: http://www.consumeractiongroup.co.uk/forum/showthread.php?266260-Deposit-being-withheld.-Please-advise&highlight=

Against Natwest: http://www.consumeractiongroup.co.uk/forum/showthread.php?278646-N-west-v-Mrsfoot-s-Son.-***WON_ALL-CHARGES-REFUNDED***&highlight=

Against Swift Advances: http://www.consumeractiongroup.co.uk/forum/showthread.php?46576-Me-V-Swift&highlight=

Against B&Q: http://www.consumeractiongroup.co.uk/forum/showthread.php?172878-Me-vs-B-amp-Q&highlight=

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Which council is this, they need to be named and shamed, as

Firstly they and Jacobs should be signed up to the NAEA guidelines, and are most likely in breach for ignoring the obvious vulnerability of your sister as i previously posted.

 

Secondly, no matter what the council says or denies, under the law, they ARE WHOLLY VICARIOUSLY LIABLE, both jointly and severally with and for any wrongdoing or criminal act by their agents Jacobs. Nothing can absolve or negate that liability.

 

I would think that there ARE dodgy fees in there, so the next step as you have paperwork and hopefully breakdown of fees and costs, is a Formal Complaint to the Head of Revenues, copied to the CEO of the council the elected leader, local councillor and MP, highlighting the bullying, the denial of a vulnerability and the constant harassment of someone with mental illness with spurious and constant wrongful arrears notices.

 

As another attack angle, oldbill has been highlighting a tactic whereby a bailiff companies fitness to hold a Category F debt collection licence is brought into question. They need this licence to collect debt so it may be worth writing to these people also (thanks OB):

 

Perhaps a formal complaint against Jacobs to the OFT's Credit Fitness Team. Jacobs has a CCA Licence to collect public and other debt. Send an email to [email protected], inserting the words CREDIT FITNESS in the subject box. Give a clear and concise resume of your complaint.

 

I will post back with the company number and CCA licence later

 

A complaint to the Department for Communities & Local Government wouldn't go amiss. Their contact details are as follows -

 

Eland House

Bressenden Place

London

SW1E 5DU

 

Email: [email protected] .uk

 

Rt Hon Eric Pickles (Secretary of State)

Rt Hon Grant Shapps (Minister of State for Housing & Local Government)

Sir Bob Kerslake (Permanent Secretary)

 

These people both council and Jacobs need a severe kick up the backside imho

 

 

Just to redress the balance and show that Jacobs are capable of doing the right thing when prodded and threatened with reputational damage this thread about a vehicle they wrongly seized and sold, then had to trace buy back and return is worth a read:

 

http://www.volkszone.com/VZi/archive/index.php?t-646595.html

Edited by brassnecked

We could do with some help from you.

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The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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Agreed PT perhaps OP should send the Acme bailiffs letter for information on the charges:

 

 

From:

My Name

My Address

To:

Acme bailifflink3.gif Co

bailifflink3.gif House

Ref: Account No: 123456

Dear Sir

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

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 certificatedlink3.gif 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

 

Then post them up for dissection

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The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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Do you still have the Notice of Seizure for the goods which were seized/levied? If so can list what was on there exactly as it says, there is a possibility the levy could well be invalidated for some reason and the charges if removed may help pay off the other debt.

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Do you still have the Notice of Seizure for the goods which were seized/levied? If so can list what was on there exactly as it says, there is a possibility the levy could well be invalidated for some reason and the charges if removed may help pay off the other debt.

 

Hopefully the levy will be on exempt items, and or insufficient goods if removed for auction to pay all fees, and a portion of the principal debt.

We could do with some help from you.

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The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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Did you ever send a formal complaint to the council ?

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My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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Thank guys..I really appreciate your help in this. Give me a mortgage co or bank and I can run with it...bailiff action has me confused and I just cannot get the information to sink in and stay in my brain!

 

BN: thanks, I will get the figures from them as I have sent the Acme bailiff letter in today's post. As soon as I get the info, I will publish. I have checked all the paperwork and it looks like she hasn't kept anything of importance..hopefully they will adhere to the acme letter and produce what we are looking for.

 

PT: I cannot find the Notice of Seizure...she is not renowned for keeping paper work safe *rolls eyes*. Would this be included in the info they send in reply to the acme letter? I do know they used a TV which was on HP, because I remember informing them they should take it off as it was not hers as such (she had only had it weeks from BH). Whether they did WIL be highlighted if they send the notice of seizure.

 

Ell-enn: I made a formal complaint back in December 2011 to both the council and bailiff. The response drom the council was to wait for the complaint to be dealt with from Jacobs and then follow it on. Due to family commitments this was not followed up and so as soon as I get the information, I will make the complaints to DCLG, OFT and Head of Revenues.

 

Below is a copy of an email I sent when she was harassed over the phone with regards to having two accounts. This was sent after the woman told her the mental illness was 'on demand'.

 

Dear Neanderthal man or woman.

 

I represent my sister, Miss XXXXXXXX and have had numerous correrspondance with you regarding her alleged debts.

 

Are you retarded? Are you hoping to get IDIOT OF THE WEEK award at Jacobs...Bloody hell, with the level of intellegence there, it must be a hotly contested trophy!

 

Do you really have nothing better to do than chase a client who is PAYING every bloody payment. I am furious..to say the least!

 

The two accounts my sister has with you are up to date. Pease see attached a screen grab of her banking which show EVERY payment made. My sister has just had a 20 minute call from a colleague of your's where this issue was discussed AT LENGTH. In that call, a Jacobs representative, Christine, said only one debt was being paid. My sister gave her explicit details that a subconcious monkey would understand. Which are the SAME DETAILS I gave in an email DATED 02/09/2011 (which Christine agreed to seeing), which are the SAME DETAILS I gave to some other jobsworth who called last week. I will NOT be giving you the details again. If your SYSTEM cannot deal with TWO DIFFERENT ACCOUNTS, with TWO DIFFERENT REFERENCE NUMBERS and TWO DIFFERENT STANDING ORDER REFERENCE NUMBERS then I suggest you call the Scouts, because it is simple IT and math.

 

YES There are two accounts, YES there are two reference numbers and bloody YES they are paid separately. UNDERSTAND? COMPRENDE? Maybe I should write all my correspondance in IDIOTIC, you might actually understand it!

 

Further, Christine made a discriminative comment about my sister documented illness. NO, her mental health illness does not 'come and go on demand'. She is a manic depressive, on medication, under the Mental Health Team. Your representatives comment seems to devalue the PROFESSIONAL assessments she has endured. I ask you have Christine forward her medical certificates to Dr Bennett at XXX XXXXXXXXXXXXXX, as she is most interested in the slur your representative made against her judgement.

 

DO NOT contact my sister again over this matter.. This is fair warning. Any more CRAP from your company then you can go and procrastinate with yourself. I will take this matter further for harrassment. YOU ARE GETTING PAID AFTER ALL. No Court in the land would agree that your company are not receiving the money owed, BECAUSE YOU ARE!

 

Now, be good children and go and play somewhere else, because you have truly [email protected] ME OFF

 

 

OK, so I wouldn't actually take that into a court, but it had some effect as they did stop calling her over the two accounts.....and it gave me a lot of pleasure lol

Will update as soon as we receive the information. Thanks again guys

All advice is based on my experiences. I am NOT qualified and as such cannot be held responsible for any mistakes. If in doubt...get professional help.

If you like what i have said then make me a star!!

Some helpful links

I have been successful in many cases..here are links to some

Housing Act and deposits: http://www.consumeractiongroup.co.uk/forum/showthread.php?266260-Deposit-being-withheld.-Please-advise&highlight=

Against Natwest: http://www.consumeractiongroup.co.uk/forum/showthread.php?278646-N-west-v-Mrsfoot-s-Son.-***WON_ALL-CHARGES-REFUNDED***&highlight=

Against Swift Advances: http://www.consumeractiongroup.co.uk/forum/showthread.php?46576-Me-V-Swift&highlight=

Against B&Q: http://www.consumeractiongroup.co.uk/forum/showthread.php?172878-Me-vs-B-amp-Q&highlight=

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If you would really like to p*ss on Jacobs' bonfire, you have a pretty strong case to report Jacobs to the OFT's Credit Fitness Team. This is because Jacobs hold an OFT Debt Collection Licence. You need to send an email to [email protected] and insert the words CREDIT FITNESS in the subject box. Give a clear and concise resume of your complaint. You will need to quote the following information in your complaint -

 

Company Name: Jacobs Certified Bailiffs Ltd

Company Reg. No.: 07916165

 

Hope this helps you and your sister and gives Jacobs something to think about.

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Thanks for rooting out the company number OB, but can't find any trace on OFT website of jacobs, but then they must hold the licence to be able to operate.

 

Mrsfoot, the council themselves MUST investigate, not wait for Jacobs to paint the coal with blanco, they are wholly liable AT ALL TIMES for anything Jacobs does, so as the TV was on HP, the levy is invalid anyway, if you can turn up proof all the better. It won't be easy but you probably can get most of these fees refunded, and clear the debt. they may even owe your sister a refund.

 

You can send a Formal Complaint at any time and copy in all the bigwigs.

 

Which council is this?

We could do with some help from you.

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The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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See what you get back on the breakdown of fees first. There are 2 ways of tackling what may be missing:

1 - sending off for a SAR to the Bailiffs - cost £10

2 - as the Council are responsible make them cough it up - yes they may spit their dummy out but if threatened with the LGO they may cave in.

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Don't forget that there are provisions under Regulations 45 and 46, Council Tax (Administration & Enforcement) Regulations 1992 that enable CT debtors to have the LA summoned before the magistrates court that issued the LO in cases of irregular levy or distress. That is an avenue that is open to you.

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Ok, so we have received one portion of the info. The first acct, had the levy, walking possession and visit fee. It also has a Sch 5 Head H fee included? Fees are as follows:

 

Visit fee 1: £24.50

Walking poss: £12.00

Levy fee: £27.00

Sch 5 Head H £24.50

 

The last three fees are from the same date, the first from the day before. There was no levy paperwork included in the information, so I am unsure what possessions of hers they included.

 

They are sending the current acct paperwork separately so will get that up ASAP.

 

I wrote to the LA. The woman is away on hol but will deal with it on her return apparently.

 

Now I know there were fees added, I will make the formal complaint, including their behaviour.

 

Would it make a difference if they didn't know about the mental health issue when they first visited? Only because the first time they were told about it was after the visit and arrangement was made.

 

What should I include in the complaints?

 

Thanks again guys, your help is really appreciated :-)

All advice is based on my experiences. I am NOT qualified and as such cannot be held responsible for any mistakes. If in doubt...get professional help.

If you like what i have said then make me a star!!

Some helpful links

I have been successful in many cases..here are links to some

Housing Act and deposits: http://www.consumeractiongroup.co.uk/forum/showthread.php?266260-Deposit-being-withheld.-Please-advise&highlight=

Against Natwest: http://www.consumeractiongroup.co.uk/forum/showthread.php?278646-N-west-v-Mrsfoot-s-Son.-***WON_ALL-CHARGES-REFUNDED***&highlight=

Against Swift Advances: http://www.consumeractiongroup.co.uk/forum/showthread.php?46576-Me-V-Swift&highlight=

Against B&Q: http://www.consumeractiongroup.co.uk/forum/showthread.php?172878-Me-vs-B-amp-Q&highlight=

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Sch 5 head h, is contentious, as unless goods have been removed and advertised for sale, this fee may well be invalid.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

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The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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As has been mentioned kick up a stink, contact your councillor, MP, offical bodies and anyone that may have some influence. Go to your local press and tell them about your sisters condition and the illegal actions of the baliffs. It does work!

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If they claiming a walking Possession Fee then someone has signed the levy? As far as "vulnerability" issues are concerned, it is very rare that the Council or bailiff know of these when knocking on the door and the first they may know is when someone then tells them. However to claim on this proof must be provided to both Council & Bailiffs - I'm not defending them but Bailiffs are not Social Workers or medical experts although they may need their heads examining.

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