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    • I'm on happy pills (anti depressants) but they aren't cutting the mustard anymore and I do need to see my GP soon to see if he can help in anyway. With regards to gambling it's so complicated; through my life I have made money (as well as having had some jobs)  being a "professional gambler" (gambling where the odds are in your favour - think card counting for example, fruit machines years ago for a long time.... Other things.) But I've also been totally compulsive at the same time. It;'s so entrenched in my psyche that it's hard to imagine just giving it up totally. I also have drug issues that have plagued me and it's a shame because I am fairly intelligent and could have been successful in life in theory but mainly due to those two things (and not really having any drive, ambition, whatever... I could go on and on but this isn't a therapy forum :P) I've not managed to. I'm 36 by the way. Cheers
    • Oh I just remembered I have a long defaulted account with Halifax balance approx £3700 I believe (from around 2015) but they aren't chasing me for it or anything. It was actually over £5000 but they refunded me a load of unfair charges (their words)  This does however push me over the £20,000 limit for a DRO I think?  
    • Hi.   I think you've made a good start by setting out in writing what you need to deal with. People should be along later to advise on how to deal with your creditors.   For the mental side of things, have you talked to your GP about getting some help with what's getting you down? Or support with the gambling issues?   HB
    • Hi people.   So I've managed to get myself into a sorry state financially. I'm insanely depressed which I guess is common for many. I don't think all of it comes down to the financial stuff but it is really crushing me now.   Facts: A lot of debt has been due to living on credit and gambling. I don't have a job. I know I should get one but I just totally despondant at the moment (due to many reasons). I don't expect any sympathy but I thought I would share this.   It's tempting to bury my head in the sand and wait for the inevitable calls from various collections departments but I want to be as proactive as possible. I think I've cancelled all direct debits so I don't get bouncing charges from the banks...   So onto the debts:   Loans livelend; £2400 was 4k 13% interest Bamboo £3000 (only just made the first payment this month) supid interest Likelyloans approx £3500 stupid interest  One payday loan for £200 I just got to cover some bills (knowing that I'd unlikely be able to pay it) - this is the only thing I haven't cancelled with the bank as they just take it from your card   Credit cards: Aqua approx. 3900 Capital one approx. 1200 Amazon approx £500 Paypal Credit Approx £1100 Overdrafts Santander £1500 Barclays £1k limit (I don't actually pay anything for this)   So all in all approximately £18,000     I also have a negative Paypal balance of £5000 but I don't believe this classes as a debt and I don't think they can do anything about this having read up on it quite a lot.   I guess my question is what is my best course of action. Should I look to do a DRO? Should I go bankrupt? (eurgh. Full disclosure I did this 15 years ago when I was 21. You think I would have learnt!) Should I write to each creditor and offer them £1 a month? Should I talk to one of the debt charities?   It is all my fault that I'm in this state but I also know that it's not the end of the world because they are all non priority debts. I probably am slightly behind on the council tax but not significantly.   I started claiming universal credit a couple of weeks ago and had my first appointment last week but managed to miss the next one due to not being able to sleep and then oversleeping and so I guess they've probably kicked me off that already and I might have to claim again.    So yeah. I take responsibility for what's happened but I don't see any way out. I've been very depressed lately due to this and other things. There is no one to "bail me out" and I probably don't need or want that anyway. Any advice appreciated          
    • Hi All,   I left the UAE 2 years ago. Have my bank clearance letter from HSBC.  I have been receiving emails from a company based in Hemel Hampstead IDRWW about money owed to the bank of RAK in the UAE which I’ve ignored as thought it was spam. I have now received a letter through the post saying the same thing (no idea how they have got my new address) that they are acting on behalf of RAK bank. I’ve never had an account with them but know how dodgy things are over there so would be nervous going back!.... Do I just ignore it or reply? It must be identity theft?  I am also nervous about travelling as I travel a lot & wouldn’t want to be arrested!!  I obviously have no intent on paying a debt that is not mine plus have no assets here anyway... Can they actually take me to court for something that isn’t mine??  Any info gratefully received.  Have spoken to citizens advice & they couldn’t help. Thankyou   
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The Sheriff's??

 

This will be interesting. Are they trying to show that these will be the good guys??? working for the poor against the rich??

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The Sheriff's??

 

This will be interesting. Are they trying to show that these will be the good guys??? working for the poor against the rich??

Hope they show them enforcing a water debt from a vulnerable debtor, to show them up for what they are, but sadly it most likely won't happen.


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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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The Sheriff's??

 

This will be interesting. Are they trying to show that these will be the good guys??? working for the poor against the rich??

 

oops my bad, it was robin hood :lol: Hmm Robin could be mistaken as Robbing though :pound:

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This will be interesting, but has GuidoT heard anything back, last I heard was in November.

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What is marc newton doing on it ? He is ex jbw and now is working for sherforce ?


I hate bailiffs. Let me know if you have had a problem with them. I am sure i could upset them.

I now have experience with Securitas Security Services (UK) Limited and won in court against them 01/2018

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Oh are they not such nice pleasant helpful good guys? Wonder if the BBC would do a program Bailiffs are coming.... don't believe a word they say!

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Oh are they not such nice pleasant helpful good guys? Wonder if the BBC would do a program Bailiffs are coming.... don't believe a word they say!

Don't think so, But I would.


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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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I caught the first 15 minutes but unfortunately had to go out. From what I saw of it it seemed to be siding with "The Sheriffs", the emphasis appeared to be on unfortunate claimants including one who had sued Airbus for hearing loss, extraordinary that they hadn't settled the claim. There was one factual error which was the statement that elevating the judgement in the High Court was the only way of enforcing the debt if it wasn't paid. Quite a serious error because there are multitude ways of enforcing debts other than Fi Fa, eg charging property, garnishee orders etc. There was nothing in the program about the serious overcharging that goes on. All in all it appeared to be a promotional video for High Court Enforcement.

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For them to appear in the programme they were probably allowed to pick what cases were to

be filmed , if not they wouldn' t take part. Yes of course you wont see the seedy side of their

activities ie holding a granny in a headlock whilst they rifle through her handbag for her cash card.

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I've seen a full episode today. The Police are called as the debtor threatened the enforcers, the Police ask for a warrant when they arrive, one of the enforcers replies that they don't need a warrant, which is surely incorrect? The Police allow them to carry on regardless. How long will it be before various **** take to the roads in their transits with made up paperwork and loot people's homes?

 

What isn't made clear by the program is that the enforcers aren't actually sheriffs but are in fact instructed by a sheriff, possibly splitting hairs but possibly not.

 

The amount they ask for on the first visit seems to be about £700-£800. I haven't worked out if they are going for the £800 a phone call £800 a visit drill after that.

 

I really don't know why the BBC is broadcasting such unquestioning carp, it's obvious that the more indefensible abuses and practises are not featured or commented on. It's also obvious that the more contentious type of claimants such as utility, government etc are being avoided. It's not journalism or factual it's shameful.

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"the Police ask for a warrant when they arrive, one of the enforcers replies that they don't need a warrant, which is surely incorrect? The Police allow them to carry on regardless."

 

Send a complaint to the BBC Trust and the BBC indicating where they have screened and condoned the police breaking the law, if we all do this maybe someone will take notice.


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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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I've seen a full episode today. The Police are called as the debtor threatened the enforcers, the Police ask for a warrant when they arrive, one of the enforcers replies that they don't need a warrant, which is surely incorrect?

 

That is actually correct, they do not need a Warrant, they have a Writ of Fi Fa instead.


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I have watched two episodes. The police did ask to see the warrant ,well thats progress and took

half hour to turn up. They did not cart the man away for daring to threaten the bailiffs . Maybe

this was because the presence of the cameras . This program is not a documentry it is more

like hey hey were the bailiffs ( the theme tune to the Monkees ) Definitely portrayed as the

good guys righting wrongs, helping the little man out. They are only dealing with writs not the

nitty gritty stuff. More to this program than meets the eye.More like a PR exercise Oh I forgoto mention

they were collecting £19000 for someone but when they got to the door the sum increased to £22000

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That is actually correct, they do not need a Warrant, they have a Writ of Fi Fa instead.

 

I assumed that the Police were confused and meant to say, a writ, a warrant being something that gave authority to that person to do what he was doing. I was confused between the two myself when I posted before. The enforcers I've across didn't carry a copy of the writ although Ihave seen premises being attended by an enforcer that was carring a sealed copy of the writ. It doesn't change my opinion of the program or the HCEO enforcement industry/[problem].

 

http://www.bbc.co.uk/iplayer/episode/b01q0qdn/The_Sheriffs_Are_Coming_Series_2_Episode_5/ see at about 17:00

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Your spot on with your thoughts. It gets to be a bit of a joke when the "enforcement agent" has to explain to the Police what he is doing. Part of the problems is them using the knowledge that the Police don't have a clue to their own advantage. We have seen Bailiffs who will have the boys in blue accept them for something they are not, when in actual fact they are only in attendance to prevent a Breach of the Peace. With HCEO's it is a little different as the Courts Act 2003, Section 99, Schedule 7, Para 5 has this little gem:

Constable’s duty to assist enforcement officers

5.

It is the duty of every constable, at the request of—

a.

an enforcement officer, or

b.

a person acting under the officer’s authority, to assist the officer or that person in the execution of a writ.


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It was Nu Labour that brought in the High Court enforcement procedures, was it Bliars idea? Is this system in any way modelled on the the American system?

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"the Police ask for a warrant when they arrive, one of the enforcers replies that they don't need a warrant, which is surely incorrect? The Police allow them to carry on regardless."

 

Send a complaint to the BBC Trust and the BBC indicating where they have screened and condoned the police breaking the law, if we all do this maybe someone will take notice.

 

they have a writ of Fieri Facias

 

how silly do you look now with your complaint:oops::wink:

 

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they have a writ of Fieri Facias

 

how silly do you look now with your complaint:oops::wink:

 

I hold my hands up sgt, confused a HCEO with a bailiff:oops::-) that'll teach me.... However, HCEO's need tighter regulation, and I still feel distress as a remedy is repugnant to modern day thinking. However we have to work with the system in place, until they decide to change it


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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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I hold my hands up sgt, confused a HCEO with a bailiff:oops::-) that'll teach me.... However, HCEO's need tighter regulation, and I still feel distress as a remedy is repugnant to modern day thinking. However we have to work with the system in place, until they decide to change it

 

 

its easy to do, the bailiff laws and laws of distress/distraint are the most confusing in the world, coz of layers and layers of different legislation going back to saxon times

 

however the person that never made a mistake, never made anything, so my mum used to say!!:whoo:

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they have a writ of Fieri Facias

 

how silly do you look now with your complaint:oops::wink:

 

 

A pleasant day to you too sgtbush. My guess is you are in the debt collection industry from the tenor of your posts, lots of urging to "take it on the chin" and "pay up".

 

I still don't see how it's possible for an HCEO representative to collect without a sealed copy of the writ.

 

you could have teams of crooks, dressed in black and shaven headed touring round taking people's possessions without a challenge from the Police.

How can they tell who the legalised crooks are?

 

The HCEO enforcers are not bailiffs,

they are authorised by an HCEO,

they could literally be anybody,

they are possibly untrained,

they could have criminal connections,

in short they could be very dangerous people indeed.

 

In the event of any problems it's highly unlikely that anyone would obtain redress from the courts or that an HCEO would have their enforcement authority withdrawn.

 

After all it's well known in the High Court that many HCEO companies charge massively more than they should and little seems to be done about it.

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its easy to do, the bailiff laws and laws of distress/distraint are the most confusing in the world, coz of layers and layers of different legislation going back to saxon times

 

however the person that never made a mistake, never made anything, Oh so true :wink: so my mum used to say!!:whoo:

 

I think that Bailiffs and HCEO, sjhouyld carry ID and they MUST be required to show it on request by a debtor, or the police. As it would seem that nightclub bouncers are more professional and better regulated than Bailiff/HCEOs


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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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I think that Bailiffs and HCEO, sjhouyld carry ID and they MUST be required to show it on request by a debtor, or the police. As it would seem that nightclub bouncers are more professional and better regulated than Bailiff/HCEOs

 

 

they do carry 2 forms of id, one for the company and the other being the actual bailiff certificate issued by the courts, and they have to produce both on request, to a defendent/debtor and the police

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