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    • Hi all, Love this site and it's no nonsense advice, have dipped in and out of the consumer forums over the years, mostly to assure myself that what I was doing was the right thing when dealing with various businesses (almost 100% success rate, thanks in part to reading and more reading here.). Anyway, the time is almost approaching where I might need to ask for some specific help and I have a couple of queries that I can't see definitively answered. Due to financial mismanagement and severe anxiety issues I stopped paying all unsecured debt in December 2018 (one slipped to the first week in Jan 2019 when the last payment was made having rechecked my bank statement from that period - all my unsecured debt direct debits were cancelled in early Jan 2019). This has left half a dozen debts;  a couple of credit cards, a bank loan, Shop Direct and some Hitachi Finance stuff having been sold on and passing the rounds through the usual suspects, Lowells, Link, PRA Group, others related to them, and then back to them again. I have somehow successfully managed to maintain radio silence and avoided anything more worrying than their begging letters.  I have blocked their phone calls and texts, bumped all emails to the spambox and had a chuckle at their desperate letters.  I've never had anybody at the door.  I have been at the same address since before I defaulted and all correspondence comes to my current home address.  I have NEVER contacted them or admitted any debt. In anticipation of them perhaps ramping up action at the last minute I've had a look at my credit report on Credit Karma (rec'd from this very place) and I see that the default dates on these range from May 2019 to November 2019. Also in preperation I've been reading, reading and reading lots here as advised. Obviously being in Scotland there are a lot fewer posts relating to these matters and it's always quite annoying when OP's do not follow up with any outcome on their cases - how rude! This has also left me a bit confused of when I am able to finally breathe easy (although cancelling all the direct debits in Jan 2019 was the biggest sigh of relief as I knew it was all going to be unmanageable and, well, default one, default all.). I've been reading that defaults should be filed 3-6 months after the missed payment but one of my larger debts was defaulted on 27th August 2019 when the last payment I made was 10th December 2018, meaning the first missed payment was 10th Jan 2019.   My query for now is - when should I infer that these debts are prescribed?  From when the payment was missed, or taking the default date plus 5 years from the credit report?   The three I have with the May date are moot anyway as either way they are gone - some letters from Lowell offering me 90% off to settle is what got me thinking these must have been near SB status, however I have one big 10k+ with a July date and another 10k+ at the end of August so I am feeling a bit anxious again, even though I know there is nothing to worry about with the begging letters.  Reading the various forums I am not sure why the OC's didn't take action against me when I read time and again the surprise that other posters haven't already been taken to court for lesser amounts - I'm also surprised I've avoided any action this long as there are plenty in this forum and sub forum who are whisked off to the court by the beggers minions after only a year or so after defaulting.  There are no CCJ/decrees listed on my credit report and I have not received any such judgements against me.  I still just regularly receive the begging emails to the spambox, the blocked phone calls and the letters from the they.   I'm also reading that there is no need in Scotland to send an LBC so what should I be looking out for to know that the time has come to engage with CCA requests etc?   I'm afraid in a fit I threw a lot of the paperwork out but I have a box of stuff I'm going to go through which may have the original letters from the OC's.   Thanks in advance for any advice.  
    • I'm at work now but promise to look in later. Can you confirm how you paid the first invoice?  It wasn't your fault if the signal was so poor and there was no alternative way to pay.  There must be a chance of reversing the charge with your bank.  There are no guarantees but Kev  https://find-and-update.company-information.service.gov.uk/company/09766749/officers  has never had the backbone to do court so far.  Not even in one case,  
    • OK  so you may not have outed yourself if you said "we". No matter either way you paid. Snotty letter I am surprised that they were so quick off the mark threatening Court. They usually take months to go that far. No doubt that as you paid the first one they decided to strike quickly and scare you into paying. Dear Chuckleheads  aka Alliance,  I am replying to your LOCs You may have caught me the first time but that is  the end. What a nasty organisation you are. You do realise that you now have now no reason to continue to pursue me after reading my appeal since you know that my car was not cloned. Any further pursuit will end up with a complaint to the ICO that you are breaching my GDPR.  Please confirm that you have removed my details from your records. ------------------------------------------------------------------------------------------------------------------------------------------------------------ I haven't gone for a snotty letter this time as they know that you paid for your car in another car park. So using a shot across their bows .  If it doesn't deter them and they send in the debt collectors or the Court you will then be able to get more money back from them for  breachi.ng your data protection than they will get should they win in Court-and they have no chance of that as you have paid. So go in with guns blazing and they might see sense.  Although never underestimate how stupid they are. Or greedy.
    • Thank you. Such a good point. They did issue all 3 before I paid though. I only paid one because I didn’t have proof of parking that time, only for two others.    Unfortunately no proof of my appeal as it was just submitted through a form on their website and no copy was sent to me. I only have the reply. I believe I just put something like “we made the honest mistake of using the incorrect parking area on the app” and that’s it. Thanks again for your help. 
    • They are absolute chuckleheads. You paid but because you entered a different car park site also belonging to them they are pursuing you despite them knowing what you had done. It would be very obvious to everyone, including Alliance that your car could not have been in two places at the same time. Thank you for posting the PCN so quickly making it a pity that you appealed since there are so many things wrong with it that you as keeper are not liable to pay the charge. They rarely accept appeals since that would mean they lose money but they have virtually no chance of beating you in Court. Very unlikely that they will take you to Court given the circumstances. Just in case you didn't out yourself as the driver could you please post up your appeal.
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Marston assaulted me as i tried to remove her from premesis. i got arrested & cautioned!


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Confused. In first post it mentions that the bailff was collecting an unpaid court fine ?

 

The bailiff would then be registered to do that and would not be a county court registered bailiff.

 

If you are being prosecuted for an assault/public order offence, I would presume that the basis of how the bailiff was operating is relevant to your defence ?

We could do with some help from you.

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Confused. In first post it mentions that the bailff was collecting an unpaid court fine ?

 

The bailiff would then be registered to do that and would not be a county court registered bailiff.

 

If you are being prosecuted for an assault/public order offence, I would presume that the basis of how the bailiff was operating is relevant to your defence ?

 

An unpaid court fine from a non resident adult child of Op who has never been resident at the Op's address and is not on register of electors there.

We could do with some help from you.

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An unpaid court fine from a non resident adult child of Op who has never been resident at the Op's address and is not on register of electors there.

 

Did the bailiff tell untruths in regard to what they were there to collect on and under what authority they were operating ? Or was there just a misunderstanding ?

 

I get the point about the Son not living there, but obviously the bailiff has traced some relationship to the address. If they were acting for the magistrates court and had their authority, they would be able to visit the address, but what they could then do or not do is open to question. What were they expecting ? To be let into the house, to see if the Son had any property in the house ? I don't think anyone should allow that to happen as the bailiff would just levy on items and ask for proof they were not the Sons.

 

If I were the OP, I would seriously look into taking legal action against the bailff and make a formal complaint to Marstons head office.

We could do with some help from you.

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as i understand way this works,a County Court Baliff etc would have the right to force entry,marstons are only Certified basic debt collectors,with no force of entry etc,if so then Police would have had to be present, from the first posted letter from Marstons "quote on letter" on Behalf of the HMTCS, i think this is what was said or may have been HMTES,from that first posted letter i called Kent Surrey and Suussex fine enforcement,and explained he never has lived here and as far as i am aware he could be in one of 3 towns in the surrounding area,they then put me through to Marstons,who did'nt basically want to know and just cut me off, i then emailed Marstons informing them that he has never lived here,recieved no reply [ we only moved here 2 yrs ago] a month ago had another letter through the door Marstons again, my son came round as his mum called him to tell him i wasnt happy and get it sorted,he phoned his mum to say he had been to the Courts on several occaison and been told as he had no case number etc that there was no record of any fine or case and informed them he doesnt live here! as for credit checks my name would be linked to any credit file as i am the parent,well thats what it showed on my daughters when she did a credit check with Equifax and she wasnt living with us either which i found quite surprising,

 

Doctors-- cannot see them till tues and thats an IF as pm there in a Conference!

Hmtcs- finally[ 4hrs of trying] got through to be told Enforcement Manager not in, any sort of complaint can only be put in writing to the Maidstone office

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It seems pretty clear to me the Marston bailiff lied to the police by calling herself a County Court Bailiff. That is serious. The police have fed you a load of bovine excrement about not being able to give you the bailiff's name. Marston's response doesn't surprise me in the least. If HMCTS have confirmed to your son they have no record of any case or fine,what the hell was the bailiff doing at your home? HMCTS need to explain this. This bailiff's surname isn't Scott,by any chance?

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The bailiff should be having their collar felt, herself for her fraudulent and blatant lie to police as to her status. Surely that will now be recorded in her statement and will be used in court, so can be challenged as a tissue of lies.

We could do with some help from you.

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The OP needs to get a legal professional to challenge the police to furnish the evidence they have. They have legal duty of disclosure. Also, make sure the bailiff's entry on the HMCTS Certificated Bailiff Register is checked. There is, in my considered judgement, reasonable doubt in this case that the OP is guilty of any offence. There are also questions as to whether the bailiff had lawful authority to be at the OP's property and whether her refusal to leave when requested to do so was lawful.

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pm thru me if you wish..

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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wont get thru

no pm's under 30 posts unless siteteam.

 

OB

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Old bill ,it could be a very good chance it is scott,checked there Certified check list she is the only female nearest to me,have tried to pm but need 30 posts

Reply to this one to raise your count, and post on a couple of other threads with observatiions to increase your count. If it IS Scott you need some confidential info which must be by pm.

Edited by brassnecked

We could do with some help from you.

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Old bill ,it could be a very good chance it is scott,checked there Certified check list she is the only female nearest to me,have tried to pm but need 30 posts

 

So you could add some more posts or could oldbill pass on the info via a site team member ?

We could do with some help from you.

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  • 2 weeks later...

update case goes to trial 7th feb 2013 will update then ,but since finding this site i appreciate everyones input and have recommended it for advice to others,even for matters not regarding Baliffs...top site:wink:

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update case goes to trial 7th feb 2013 will update then ,but since finding this site i appreciate everyones input and have recommended it for advice to others,even for matters not regarding Baliffs...top site:wink:

Hope they see sense and the bailiff ends up as the defendant later on. let me see, wasting police time, fraud etc etc

We could do with some help from you.

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Andy

I havnt read all your thread and your last post suggests you are indicted but I feel you have grounds by claiming self defence

if a bailiff made sudden movements towards you or tried to get money or goods from another person

that necessitated you to defend yourself then the bailiff may need to answer a charge of theft

and your defence solicitor can ask the court to have police explain why they did not investigate,

discuss your defence solicitor because failure to act may be an offence of concealment and can be used to discredit the case against you.

Others might know but hard to comment without seeing the prosecutors evidence and charge sheet.

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Andy

I havnt read all your thread and your last post suggests you are indicted but I feel you have grounds by claiming self defence

if a bailiff made sudden movements towards you or tried to get money or goods from another person

that necessitated you to defend yourself then the bailiff may need to answer a charge of theft

and your defence solicitor can ask the court to have police explain why they did not investigate,

discuss your defence solicitor because failure to act may be an offence of concealment and can be used to discredit the case against you.

Others might know but hard to comment without seeing the prosecutors evidence and charge sheet.

 

If you read post ~1 by Op you will see that bailiff tried to enforce for debt of son who has never lived there, and bailiff would not accept the fact, so she was escorted off the premises as a trespasser quite rightly, and SHE assaulted Op then cried wolf to the police, who are unaware of bailiff law in the main, so tend to side with them when they lie through their teeth. Marstons scrotes are a particularly nasty lot.

We could do with some help from you.

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One thing that needs to be borne in mind about crying wolf to the police; it is an offence to make a false report that a crime has taken place, whether or not it results in court proceedings. If it results in court proceedings, then it becomes the more serious offence of Perverting the Course of Justice.

 

If the bailiff involved and, indeed, Marston Group senior management are reading this, they would be well-advised to drop the matter immediately. Perverting the Course of Justice, including Conspiracy to Pervert the Course of Justice, carries a maximum penalty of life imprisonment.

 

Common Assault is a summary offence only, meaning it can only be tried by a court of summary jurisdiction, that is, a magistrates court. It is not an indictable offence. The OP's case has been adjourned to a later date for a full hearing. This is because where a Not Guilty plea has been entered at the initial hearing, it has to be adjourned as hearings to try Not Guilty pleas can last 2-3 hours, hence the reason for adjournment.

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Exactly OB, bailiff may have picked the wrong third party on this one. A third party who would not accept a caution for the convenience of the vested interests, as surprise surprise, Op is not the guilty party here. .

We could do with some help from you.

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It may depend on what is meant by escorting a bailiff and forcibly removing a bailiff. If she has no injuries and did not seek medical attention then it may be difficult for the charge to stick if its down to the OPs word against the bailiff. For the OP to be charged there must have been compelling evidence but its hard to make accurate comment without seeing the evidence the prosecutor intends to rely on.

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It may depend on what is meant by escorting a bailiff and forcibly removing a bailiff. If she has no injuries and did not seek medical attention then it may be difficult for the charge to stick if its down to the OPs word against the bailiff. For the OP to be charged there must have been compelling evidence but its hard to make accurate comment without seeing the evidence the prosecutor intends to rely on.

 

This particular bailiff may well have "form" for crying wolf before. If it had been my house she would be taken away in an ambulance after the cats had finished with her, as they tend to attack strangers by clawing their legs. I doubt she could get me charged for a cat attack, unlike if a dog had bitten her.

We could do with some help from you.

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Just picked up on this thread and wanted to ask a silly question!

 

OP stated they had moved 2 years ago, yet the offence was committed 4 years ago! Would the 'bailiff' neeed a warrant and what address would be on that warrant?

 

Or am I talking rubbish?? :)

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