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    • Agreed, let them default. Keep everything in writing, if they ring to discuss the accounts over the phone, simply say 'everything in writing please', and hang up. They'll soon get the message. Get all of your paperwork in order too, if you haven't got any, or are missing relevant documents, then you can SAR the original creditor, which is free and they have 30 days to supply the info. Keep a diary of events too. sit back and relax, YOU'RE in control, not them.
    • thought you said you had an sjpn? dx  
    • dont go near them bunch of scammers! ive removed ref. dx  
    • I used to post regularly in order to provide factual information (rather than advice) but got fed up with banging my head against a brick wall in so many cases when posters insisted black was white and I was writing rubbish. I have never posted anything which was untrue or indeed biased in any way.  I have never given 'advice' but have sought to correct erroneous statements which were unhelpful. The only username I have ever used is blf1uk. I have never gone under any other username and have no connection to 'bailiff advice'.  I am not a High Court Enforcement Officer but obtained my first 'bailiff' certificate in 1982. I'm not sure what records you have accessed but I was certainly not born in 1977 - at that time I was serving in the Armed Forces in Hereford, Germany (4th Division HQ) and my wife gave birth to our eldest.   Going back to the original point, the fact is that employees of an Approved Enforcement Agency contracted by the Ministry of Justice can and do execute warrants of arrest (with and without bail), warrants of detention and warrants of commitment. In many cases, the employee is also an enforcement agent [but not acting as one]. Here is a fact.  I recently submitted an FOI request to HMCTS and they advised me (for example) that in 2022/23 Jacobs (the AEA for Wales) was issued with 4,750 financial arrest warrants (without bail) and 473 'breach' warrants.  A breach warrant is a community penalty breach warrant (CPBW) whereby the defendant has breached the terms of either their release from prison or the terms of an order [such as community service].  While the defendant may pay the sum [fine] due to avoid arrest on a financial arrest warrant, a breach warrant always results in their transportation to either a police station [for holding] or directly to the magistrates' court to go before the bench as is the case on financial arrest warrants without bail when they don't pay.  Wales has the lowest number of arrest warrants issued of the seven regions with South East exceeding 50,000.  Overall, the figure for arrest warrants issued to the three AEAs exceeds 200,000.  Many of these were previously dealt with directly by HMCTS using their employed Civilian Enforcement Officers but they were subject to TUPE in 2019 and either left the service or transferred to the three AEAs. In England, a local authority may take committal proceedings against an individual who has not paid their council tax and the court will issue a committal summons.  If the person does not attend the committal hearing, the court will issue a warrant of arrest usually with bail but occasionally without bail (certainly without bail if when bailed on their own recognizance the defendant still fails to appear).   A warrant of arrest to bring the debtor before the court is issued under regulation 48(5) of The Council Tax (Administration and Enforcement) Regulations 1992 and can be executed by "any person to whom it is directed or by any constable....." (Reg 48(6).  These, although much [much] lower in number compared to HMCTS, are also dealt with by the enforcement agencies contracted by the local authorities. Feel free to do your own research using FOI enquiries!  
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    • 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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Debt Revenue Services - WDA


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What I'm i best saying in a reply to DRS?!

 

Dear Bill&Ben,

Thank you for your email with your instructions to contact you urgently and speak with 'Mark'.

As you may not be aware I have much more pressing and urgent matters at hand, so I am unable to contact your friend 'Mark' as I am still watching this paint dry.

Much love....

 

Idiots, ignore ignore ignore.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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lol!

 

So should i not even acknowledge the email that DR sent?

 

I do in time want to pay this off, of course only £388.50 what i should rightly be paying but at present i'm in no rush.

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Totally ignore this third party clown outfit, they can and will do nothing, therefore shall be paid nothing, there only legal remit is that they can send out incompetent puerile threat letters yet are unable to carry out ANY of their childish threats.

 

If you wish to pay this off, then it should ONLY be paid to the original creditor (OC) or the legal owner of the debt, and at a rate that is suitable, comfortable & realistic to YOU!

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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TBH if that is their attitude then I wouldn't have anything to do with them.

 

Ignore their rather childish third party clown, and simply enter into their complaints procedure, once it has fallen outside of the 8 week time limit they have to rectify your complaint (which it will do reading that sorry email reply from them) then you can escalate it beyond their control.

 

Ignore DRS, they are a trivial fly in the ointment and only used to try and distract you.

 

I think i will be taking this step.

 

This may sound stupid, but along the lines what exactly do i say?

 

Thank you for your help.

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Do you have WDA's bank details?If so set up a standing order to repay them direct, at a rate that is realistic and comfortable for you.

 

I wouldn't rattle DRS's cage again, IMO.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Just a quick update:

 

I emailed WDA last week and put it bluntly that i would not be making any form of payment to DRS who are acting on their behalf as they do not own the debt.

I have WDA's details and will make a token payment at the end of the month to show a willingness to pay my debt.

 

I've not heard anything from either WDA or DRS since last week.

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Don't worry about their lack of communication, just set up a standing order and pay what YOU can afford at a rate YOU decide, ignore any other threat letters you might get from DCA's.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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  • 2 months later...

Send them the doorstep collectors letter and also tell them to sod off because you are paying the OC back. Scotcall are only working on behalf of the creditor and as such can only stamp their feet. They have no legal rights except to ask you to pay.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Yep. Email or recorded delivery letter. If you choose email, make sure to CC it to yourself and request a read receipt.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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  • 4 months later...

Hi All,

 

New to this forum but unfortunately got myself in a bit of a mess with txtloan, i owe them money and am trying to negotiate a repayment plan but they dont want to know and keep referring me to a debt collection agency. They have already stated that the DCA are acting on their behalf and they dont own the debt but txt loan wont help. I sent them an email saying as the dca dont own the debt i would like to deal with txtloan direct and could they propose a repayment plan that would be suitable for both parties. They responded with the following...

 

Thank you for contacting us.

 

Unfortunately, we kindly have to decline your offer one more time.

 

Please bear in mind that in the credit agreement you agreed upon registering with us, in section 2, paragraph 2.4 it states the following:

 

"If you fail to make payments under the Agreement we may send your personal details, including name and contact

details and details about your payment history under the agreement, to third party debt collection agencies so that they

may collect the money that you owe under the agreement."

 

I am certain that you can come up with a mutual agreement with them as well in regards clearing the outstanding balance.

 

If you have any other questions or concerns, please do not hesitate to contact us on 0871 705 0000* or send an e-mail Please have your mobile number and PIN ready before calling our customer support number.

 

Kind regards,

 

 

What should i do next??

 

Thanks in advance for any help.

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Get a formal complaint in so you can place the debt in dispute. Should they pass it to a DCA, we can send them a simple letter to make them pass it straight back :)

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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