Jump to content


  • Tweets

  • Posts

    • Hi, I have found this group very helpful hence I am here seeking help and advice.   I got myself into a situation where I have now more than £50k in unsecured debts (personal loans & credit cards) and things are now getting out of control as I am struggling to make payments. This is purely my own created situation and I am taking 100% responsibility for it. I am keen to get out of this situation as soon as possible hence I would appreciate any help and advice in this process. I am employed at the moment and don’t want to risk going into IVA or bankruptcy as this would risk losing my job. Being sole bread earner of my family, I cannot afford to lose my job. I have been trying to keep up with the payments so far and had few missed payments instances until 3/4 months ago but got caught up with missed payments somehow using my savings. All my debts are still with original lenders. However I know I am getting into same situation again shortly and won’t be able to get out of it again. I have started exploring Debt Management Plan (DMP) option through StepChange but haven’t submitted it yet. Based on budgeting, I have around £820 available to make payments to all lenders after taking care of all other essential expenses. This is definitely lot more affordable than what I am currently paying to different lenders. 1. Is DMP right option for me in current situation? 2. what are the negative consequences of availing DMP? 3. is there something else that I can do to get out of this situation? I’m determined to clear out all my debts but need bit of breathing space and time. Let me know please if you need any additional information. Thanks in advance for all your help and guidance. MM  
    • Bookmakers use betting on political events to entice new customers, and say it is growing.View the full article
    • nope  and  neither dx
    • Ok Thank you DX will do just that . will keep you up dated.
  • 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

Seriously vulnerable family bullied for over 5hrs by bailiffs


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4123 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

  • Replies 839
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Lol, thats funny. I find in these circumstances you must always maintain your sense of humour.

 

Absolutely!

 

And at the end of this, your Grin will make the Cheshire Cat feel jealous, whilst the opposition won't be grinning for years :)

 

There is bound either now, or at some point in the future to be a spy from R&R having a look, so *hello* and I wonder if you know just HOW much trouble your company is in!

 

When it is eventually time, and all the official and proper routes have been followed, I think this could be of absolutely major media interest.

[sIGPIC][/sIGPIC]

Link to post
Share on other sites

Absolutely!

 

And at the end of this, your Grin will make the Cheshire Cat feel jealous, whilst the opposition won't be grinning for years :)

 

There is bound either now, or at some point in the future to be a spy from R&R having a look, so *hello* and I wonder if you know just HOW much trouble your company is in!

 

When it is eventually time, and all the official and proper routes have been followed, I think this could be of absolutely major media interest.

 

You read my mind, I was just going to ask if this story may be of interest to the media, obviously not yet, but eventually.

Link to post
Share on other sites

Ok guys. I have just sat down and written a very long winded statement about what happened with the bailiffs, just so it's fresh in my mind. Time for the battle to commence, methinks it's gonna be a long one. Thanks once again to everyone for their support and well wishes, have a good evening x

Link to post
Share on other sites

Ok guys. I have just sat down and written a very long winded statement about what happened with the bailiffs, just so it's fresh in my mind. Time for the battle to commence, methinks it's gonna be a long one. Thanks once again to everyone for their support and well wishes, have a good evening x

Yes take it easy, and maybe chill with a little gaming. There is a WW1 mod of Screamin demons, you can fly the Red Baron's little red Fokker, Now ver izz zat bailiff in ze Tranzit, I vill strafe him viz my tvin Spandaus...

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!

Link to post
Share on other sites

Yes take it easy, and maybe chill with a little gaming. There is a WW1 mod of Screamin demons, you can fly the Red Baron's little red Fokker, Now ver izz zat bailiff in ze Tranzit, I vill strafe him viz my tvin Spandaus...

 

You are almost as obsessed as me.....

Link to post
Share on other sites

You are almost as obsessed as me.....

LOL Rise of the Triad, for PC works great in Windows 7 using the GL Rott pack Still satisfying to use a flamewall, and watch them burn into a skeleton and collapse into a heap of bones to a Xylophone sound

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!

Link to post
Share on other sites

LOL Rise of the Triad, for PC works great in Windows 7 using the GL Rott pack Still satisfying to use a flamewall, and watch them burn into a skeleton and collapse into a heap of bones to a Xylophone sound

 

I'm an Apple girl, I'm afraid......

Link to post
Share on other sites

I'm an Apple girl, I'm afraid......

The platform doesn't matter just enjoy.

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!

Link to post
Share on other sites

Hi Guys, had a reply from the council this morning regarding my formal complaint against the bailiffs. It was extremely rude and accusatory, in fact they are refusing to deal with me at all as my husband is the one whose name is on the LO. My husband and I owned the business and I have always done the administration, which the council know. I believe they are refusing to deal with me because I am a bit more clued up than hubby (I love him to bits, but he is a hairdresser and I think that conversations about holidays are the extent of his abilities, he can do a mean flat top though). Another reason I can think of is that if they refuse to deal with me, then they believe that we cannot pursue a complaint about how they, and R & R treat a disabled woman. I don't know, I'm just throwing it out there. Let me know what you all think.

Link to post
Share on other sites

It was the bailiffs who were rude to you and you are completely within your rights to make a complaint about them. Was the reply from NFDC from the CEO's office or the department who are responsible for the situation? As I think you know, Ross & Roberts, their certificated scumbags, sorry, bailiffs and NFDC have broken the law in more than one way. It is going to come as an awful shock to them that they cannot behave how they like, they cannot change the law to suit themselves and the law they should be working to has to be obeyed.

Link to post
Share on other sites

It was the bailiffs who were rude to you and you are completely within your rights to make a complaint about them. Was the reply from NFDC from the CEO's office or the department who are responsible for the situation? As I think you know, Ross & Roberts, their certificated scumbags, sorry, bailiffs and NFDC have broken the law in more than one way. It is going to come as an awful shock to them that they cannot behave how they like, they cannot change the law to suit themselves and the law they should be working to has to be obeyed.

 

Do you know, I actually think the letter from the Bailiffs was more polite than the one from the council.

Link to post
Share on other sites

Hi Guys, had a reply from the council this morning regarding my formal complaint against the bailiffs. It was extremely rude and accusatory, in fact they are refusing to deal with me at all as my husband is the one whose name is on the LO. My husband and I owned the business and I have always done the administration, which the council know. I believe they are refusing to deal with me because I am a bit more clued up than hubby (I love him to bits, but he is a hairdresser and I think that conversations about holidays are the extent of his abilities, he can do a mean flat top though). Another reason I can think of is that if they refuse to deal with me, then they believe that we cannot pursue a complaint about how they, and R & R treat a disabled woman. I don't know, I'm just throwing it out there. Let me know what you all think.

 

Firstly, your husband can give you permission to speak on his behalf, so get hubby to hand deliver written authority Monday (and email it), Secondly, you could (recording the conversation) ask them on the phone if they are refusing to speak to you as a matter of disability discrimination just to see what they say!

 

Thirdly, the name on the LO is magnificently immaterial to the complaint, as its YOU not your husband who has been mistreated. Or are they claiming they can only deal with complaints about their hired staff, if you have a contract with them?

 

So what, I would have no right to discuss a Bin Man punching me in the face with them for example? hmmm. Hanging themselves more and more.

 

What were they accusing you of in the letter? I would be making a formal complaint about this response to your formal complaint on Monday.

 

To the experts - Given conduct so far, is a victim always obliged to go through council complaints first, or are there procedures, situations, where if one has lost complete confidence in the Council to deal with a complaint against itself fairly or impartially, that one can go straight to the LGO?

[sIGPIC][/sIGPIC]

Link to post
Share on other sites

I'm with caled on this one, the fact you weren't the named debtor, makes this more serious. as they gave you hell, and you weren't the debtor, so whatever carp the council spout; they ARE LIABLE along with their agents Ross 'N Robbers, for your appalling treatment at their hands.

When they realised you were vulnerable they should have gone away.

 

Som as suggested letter/email giving right to deal on hubby's behalf. And yes a victim is required to go through all the hoops in the chain to complain successful They make it hard in the hope an aggrieved person will give up, and they them carry on in their merry unlawful ways.

Edited by brassnecked

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!

Link to post
Share on other sites

Something to remember with the LGO is that their system is a Statutory Complaint Procedure. Unfortunately having these schemes set by law means legislation will be written so the odds are stacked against the complainant. They even state in their reports that where a body has acted with maladministration, the Ombudsman may only uphold a complaint if certain criteria has been met. In other words they have their hands tied because of legislation and what the law says.

 

Incidentally, the British Parking Association who have put a couple of proposals to the Ministry of Justice to offer independent regulation for the bailiff industry (including a complaints procedure) would be formed by statute. God help us!

Edited by outlawla
Link to post
Share on other sites

Something to remember with the LGO is that their system is a Statutory Complaint Procedure. Unfortunately having these schemes set by law means legislation will be written so the odds are stacked against the complainant. They even state in their reports that where a body has acted with maladministration, the Ombudsman may only uphold a complaint if certain criteria has been met. In other words they have their hands tied because of legislation and what the law says.

 

Incidentally, the British Parking Association who have put a couple of proposals to the Ministry of Justice to offer independent regulation for the bailiff industry (including a complaints procedure) would be formed by statute. God help us!

 

It gets better and better, for the enforcers, and ultimate detriment of vulnerable debtors.

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!

Link to post
Share on other sites

Firstly, your husband can give you permission to speak on his behalf, so get hubby to hand deliver written authority Monday (and email it), Secondly, you could (recording the conversation) ask them on the phone if they are refusing to speak to you as a matter of disability discrimination just to see what they say!

 

Thirdly, the name on the LO is magnificently immaterial to the complaint, as its YOU not your husband who has been mistreated. Or are they claiming they can only deal with complaints about their hired staff, if you have a contract with them?

 

So what, I would have no right to discuss a Bin Man punching me in the face with them for example? hmmm. Hanging themselves more and more.

 

What were they accusing you of in the letter? I would be making a formal complaint about this response to your formal complaint on Monday.

 

To the experts - Given conduct so far, is a victim always obliged to go through council complaints first, or are there procedures, situations, where if one has lost complete confidence in the Council to deal with a complaint against itself fairly or impartially, that one can go straight to the LGO?

 

Thanks for that Caled. We have thought of sending a letter regarding my authority to deal with the issues, however we did not think of raising some of the points you have, so thanks, we will now include what you have kindly supplied us with.

 

The council and Ross R are attempting to make out that I was the aggressive party. I can assure you that I am not in a fit state to be aggressive to anyone. I can only stand up for 2-3 minutes at a time. Naturally me knowing my rights and being firm with the bailiffs is, obviously, classed as aggression, however, the bailiffs aggression, according to themselves and the council, is just them being firm and acting professionally. Funny that's not how I, nor the police saw it.

Link to post
Share on other sites

I'm with caled on this one, the fact you weren't the named debtor, makes this more serious. as they gave you hell, and you weren't the debtor, so whatever carp the council spout; they ARE LIABLE along with their agents Ross 'N Robbers, for your appalling treatment at their hands.

When they realised you were vulnerable they should have gone away.

 

Som as suggested letter/email giving right to deal on hubby's behalf. And yes a victim is required to go through all the hoops in the chain to complain successful They make it hard in the hope an aggrieved person will give up, and they them carry on in their merry unlawful ways.

 

 

I can assure you BN that the only thing that will make me give in is if I die, and even then, my daughter will continue with this for me.

 

I do not know why the LO is only in my husbands name as the council were aware we both owned the business. They are also aware that I deal with the admin side of everything. I cant understand why they are now deciding that they do not want me involved, after all i jointly own the house as well as the door and lock the bailiffs planned to damage so they could gain entry. Well, all i can say is fine, if they do not want any dealings with myself, they cannot have it both ways and attempt to steal things that belong to me or things owned jointly with my husband.

 

I do get the feeling they are trying to make us drop the complaints against them. The replies I have received so far have all been fairly dismissive and negative. I do not believe their 'investigations' will be completely unbiased.

Link to post
Share on other sites

Something to remember with the LGO is that their system is a Statutory Complaint Procedure. Unfortunately having these schemes set by law means legislation will be written so the odds are stacked against the complainant. They even state in their reports that where a body has acted with maladministration, the Ombudsman may only uphold a complaint if certain criteria has been met. In other words they have their hands tied because of legislation and what the law says.

 

Incidentally, the British Parking Association who have put a couple of proposals to the Ministry of Justice to offer independent regulation for the bailiff industry (including a complaints procedure) would be formed by statute. God help us!

 

I will say that we do need some sort of system set up so that debts can be collected upon, however, this system needs to be based on the premise that the debtor be allowed to pay a certain amount weekly or monthly, that is realistically affordable. I believe that the person in debt should be assigned a debt counsellor who will help them organise their finances and act as a mediator between them and the creditor. If it is necessary to enforce the debt then this should be by a public servant who is paid by the government, regardless of what he collects and not by commission as are the Certificated Bailiffs. To any sane person, it is actually ludicrous to even think about paying these thugs in commission, it makes them desperate, and we all know that desperate people do desperate things.

Link to post
Share on other sites

Annette,

 

I've removed some messages from my PM inbox. Re-send your PM to me. Also, I have received another communication from my learned associate and have just sent them updated information you provided me with yesterday. I am waiting for them to get back to me.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...