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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
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    • 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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Help - Baliff called today and fine paid... Can I do anything about it?

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Ok.... Unfortunately a not very lovely bloke from Marstons Bailiffs called today, intimidated me and my girlfriend and left with the fine fully paid £587.90


This is my full story: (it is copy and pasted from a draft letter to the courts)


Unfortunately, the first I heard of this fine was over a year ago when a letter was given to me from another (wrong) address.


I spoke to the lady at Cambridge Court and she advised me that I write to the courts asking for details of the fine and all the paperwork.


I sent the letter asking for all the above paperwork in August 2010 but never heard anything back.


In all honesty, I probably forgot about it and that is why I didn’t chase it,

At the time I had been unemployed for three months due to being made redundant and I was in the middle of starting a new job

and moving home so I am not overly positive that the court didn’t reply but I just never received it.


Fast forward the best part of fifteen months,

and you’ll arrive at the problem I received today.


My girlfriend arrived home from work and was followed to the door by a Gentleman, who turned out to be your Bailiff.


He told me that I had to pay a £587 fine today otherwise he would enter my house and take things to that value.

When I told him that it was a joint rented house with my friend and that probably eighty percent of the items in the house are not mine,

he said that was not his problem,

he was just instructed to remove items to clear the debt.


My girlfriend, hearing this and fearing for our friends belongings, paid the full amount of the fine, £587.90 on her debit card.


Leaving her practically penny less for Christmas.


When I told the bailiff that I had not had a letter regarding this matter for well over a year he produced a form showing every time a letter was ‘sent’ or a phone call was ‘made’.


None of those ever made it to me, and I would be surprised if the phone calls were ever answered as nobody from a court has ever contacted me.


Furthermore, after reading on the internet and in several Legal forums,

it was widely written that bailiff’s should give 7 to 14 days written notice before they attend your property, which never happened.


I also enclose a copy of the distress warrant as the warrant address is 49 G St, whereas my residential address is 53 G St.



My questions are, is there anything I can do to get the money back (even some of it!)


I have spent near on two hours trawling the internet looking for information,

and have found a Template of Statuatory Declaration,

but dont know if this is valid as I did read the letter and phone the court over a year ago,

even though they didnt reply to my letter that I know of!


Any help would be great! :|

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This will upset the baliff firm...which is an understatement......


Meanwhile, before he comes a knocking again like a bad santa claus, get onto the court, get a stat dec filed before xmas SMARTLY.


Other more learned in such like will be along with the words you will need :-)



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Hi Nick,


She'll have to sort with the bank BUT by going down this route, i am sure you will understand that when / if the bank refund this amount...

the fine will be outstanding, further action will need to be taken to remove the fine and extorted balliff charges and the balliffs (or scrouge as i like to call

them at this time of year) will be mighty p***ed off and will be spiting fire...


I deal with CB's on a daily basis, from the point of challenging them....


There was a change this year, whereas the amounts are refunded immediately to the payee, and then it is upto the company to prove that the charges were true and correct, which if accepted are

re-debited. Even then, the charges can be challenged a 2nd time, and after that it would goto abitration... we would not proceed at this point, as the visa scheme for example will charge the company 750 usd as a minimum for proceeding, win or lose.


Usually methods of proving a valid charge are signed authority / confirmation letters etc / PIN entry on PDQ machine. I'm sure the balliff did not carry a pdq machine with him / her, unless of course the card was inserted in his a**e! Did he ring the number thru to his office ?????




My advice only deals with getting the money back of the 3rd party who paid it for you.....which shouldnt have happened as it was not her debt!!


Good Luck to you....



EDIT - MERRY CHRISTMAS TO ALL OUR GUESTS ..... 14 at mo! Must be a quiet day....



Edited by numbers666
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Thanks again Numbers


I have drafted a Statuatory Declaration but have not got it signed yet as im not overly sure that I can seen as officially I did know about it when I was handed the letter in August 2010.


I'll wait till the pro's reply... hopefully! :)

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Ok Typical timescales for chargebacks....


You contact your bank, they refund the money approx 2 - 4 days depending on bank.....


They will in this period notify the merchant ie pdq processing agent such as elavon / lloyds / barclays etc of the chargeback... and ask them to provide evidence that this is true and proper charge.


THEY will write to the company, the balliffs asking for such... 3 days after they write, the money will be debited from the bank account of the balliffs and sent to your bank...

..............your bank has already refunded you by this point....................




its possible that the balliff company will not see this chargeback until this coming friday at the earliest....probably even between xmas and newyear more likely....get the SD done on monday, signed by a notary, send one copy to the balliffs and the other to the court - retain one incase they turn up in january....


I'd imagine the balliffs will be worshipping the devil or summit like that over xmas with their families, sharpening their teeth and too busy to bother coming out in the snow....


As long as you have a SD done, if they do show up, show it too them, it should be like garlic to a vampire, they will hiss and splutter and sulk off to whence they came.....



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Err - No - I banked with YB and had the same card - kick off a storm!


How are my debit card purchases protected?



You have some protection for purchases made using Visa, Visa Electron and Maestro debit cards, through something called Chargeback.


The scheme makes it possible for you to claim a refund if a purchase made using your debit card is unsatisfactory, if you are billed multiple times, if you don't receive goods you've paid for, or if your card is used fraudulently.


You can claim a refund for any amount of money so it can also be invoked if you have problems with a credit card purchase over £30,000 or under £100 in value.


If you want to make a claim, you’ll have to contact the bank who provided you with the card within 120 days of when your goods should have been delivered.


If the goods are faulty or your card was used fraudulentyl, contact your bank within 120 days of when you are first made aware of this.


Ask them to initiate the Chargeback process and a dispute will be opened by your bank, who will investigate the matter and refund your money when this is settled.


It’s worth noting however that while credit card providers are under a legal obligation to refund you because of the Consumer Credit Act, debit card providers are not legally required to honour your refund request. Therefore a little more persistence may be needed when claiming a refund for your debit card transaction.



But you will be issuing a SD also, this will also reset the fees....but hell and high water getting them back off the balliff



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If the fees are not refunded after a stat dec you could use the small claims track ,and if they don't defend, and don't pay, send a bailiff to collect off the bailiff....

We could do with some help from you.


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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If the fees are not refunded after a stat dec you could use the small claims track ,and if they don't defend, and don't pay, send a bailiff to collect off the bailiff....


Don't forget to issue the N1 to the PREVIOUS company address and then transfer up for a writ of fifa to the High Court to collect 751.49.... :-) or file a winding up order a method of debt collection (sic)


Kidding of course, this has Never happened (picks self up off floor)

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