Jump to content


  • Tweets

  • Posts

    • thread title updated. so a sold debt. who are the solicitors? TM legal? why didn't ovo do this themselves as they do but chose to sell the debt on for 10p=£1? funny debt you state you reived a letter of claim, why did you not reply too it.? also is there is no indication of the date this bill comes from on the claimform? how do you know its from 2022? what other previous paperwork have you received? please scan page 1 of the claimform and bothsides of ALL previous letters upto one mass pdf read upload carefully. .................. 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 https://www.consumeractiongroup.co.uk/topic/466952-lowelloverdales-claimform-old-cap1-debt/?do=findComment&comment=5260464 .  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 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/ 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] ..............  
    • Thank you again. I'm hoping it will come out in the wash and will endeavour to check my online account. I'm a bit unsettled by not hearing from Booking.com but the host is sounding helpful at the moment. HB
    • I've just remembered that a friend of mine had bookings cancelled on Booking.com about a month ago - and the good news is that all worked out in the wash. I'm at work now but will scribble properly in a couple of hours with the full tale.
    • Thank you Dave. I've had nothing from Booking.com, just a message via the site from the host. I know I need to check my bank account, just trying to resolve some technical issues. HB  
    • Which Court have you received the claim from ? Civil National Business Centre Name of the Claimant ? JC INTERNATIONAL AQUISITION How many defendant's  joint or self ? Self Date of issue – 22 May 2024  Particulars of Claim What is the claim for – 1. The def owes the claimant £300 in respect of gas and electricity charges supplied by OVO. 2. Debt was assigned to the claimant with notice given to the def. 3. Despite formal demand the def has failed to pay the debt and the claimant claims £300 and further claims interest pursuant to s69 of the CCA 1984. What is the total value of the claim? £385 Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? Yes   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? No   Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Energy debt When did you enter into the original agreement before or after April 2007 ? After Do you recall how you entered into the agreement...On line /In branch/By post ? Moved home and they were the current energy supplier  Is the debt showing on your credit reference files (Experian/Equifax/Etc...) ? No 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. Debt assigned to JC International Were you aware the account had been assigned – did you receive a Notice of Assignment? Not sure probably  Did you receive a Default Notice from the original creditor? Again can't remember but probably  Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? No Why did you cease payments? Changed supplier What was the date of your last payment? Never  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
  • Recommended Topics

  • 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
  • Recommended Topics

style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3797 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

From your own experience - What are the top three areas of concern with bailiffs  

742 Caggers have voted

  1. 1. From your own experience - What are the top three areas of concern with bailiffs

    • Charges/fees
    • Behaviour on the doorstep or in the home
    • Misunderstanding powers of entry
    • Police involvement (Police misunderstanding of their own powers)
    • Bailff powers to commit to prison (misrepresenting)
    • Power to clamp vehicles (mainly in relation to PCNs and Council Tax)
    • Constructive levies (i.e. looking through the window)
    • Failure to check vehicle ownership
    • Failure to provide identification
    • Discussing details with neighbours or other 3rd parties
    • Unsocial hours
    • Refusal to acknowledge vulnerability


Recommended Posts

Please help us by contributing to this poll.

 

Only click "Vote now" when you have put in all three choices

 

You should study it carefully and say what, in your experience, are your top three concerns.

 

If you have not been visited by a bailiff, then I'd be grateful if you would just watch the progress of the poll but not contribute.

 

If you feel that there is a concern which has not been identified in the poll, then please tell us about it in this thread.

 

You will not be able to post in this thread unless you have taken part in the poll.

 

If you are not taking part in the poll then please start a new thread to give us any other information you think we should know about.

 

Thank you

 

Only click "Vote now" when you have put in all three choices

Link to post
Share on other sites

Very strange. There is one choice in your name - but it should have insisted on three.

 

What are your choices and I'll add them for you - if you want

Link to post
Share on other sites

I think that I may have sorted it out - although it won't now display in descending order.

 

There is now an "unvote" button at the top - although it is difficult to see until I find out how to change its colour.

 

If you have voted but your votes aren't correctly recorded, please "Unvote" and then vote again.

 

Sorry.

Edited by BankFodder
Ooh - I'm a techy!!! I found it and changed it (and I didn't break it!!!) - it is now in blue
Link to post
Share on other sites

Yes - I don't know why that it is - but when you come back, you will find that you have unvoted.

 

And when you vote again, your votes will be correctly recorded.

Link to post
Share on other sites

  • 2 weeks later...

Bankfodder I ticked "Behaviour on the doorstep" because it was the closest I could get to one of the concerns that I felt, but you hadn't listed . Long after I had

paid the Council direct, I was still getting bailiffs putting letters through my door claiming that I still owed them money and that they would be coming round to remove goods-the usual. This was

despite the fact that the L/O had been paid several months before.

If they felt that I owed them money, then I don't think it is lawful for them to threaten me under the L/O. Surely they are only able to ask for the money as any normal creditor and not use the

L/O in an attempt to frighten me. [i have to say that I haven't paid them and I doubt that as they didn't stick to the legal requirements in their attempted levy, I doubt they would ever risk taking

the matter to Court.

Link to post
Share on other sites

  • 2 weeks later...

My choices were

1) Behaviour on the doorstep / in the home

2) Misunderstanding powers of entry

3) Discussing details with neighbours or 3rd parties

 

I have been visited by bailiffs before and their behaviour was atrocious, they tried to force entry/force their way past me in the doorway and they also discussed details and showing the paperwork to random people/neighbours on my street

 

There was a couple more options that I would of chose, like Constructive levies (i.e. looking through the window) also Bailff powers to commit to prison (misrepresenting) also Failure to provide identification

Link to post
Share on other sites

Thhis thread is only for comments about the bailiff poll.

 

If you have bailiff experiences which you want to share with others, please start a new thread.

Thanks

Link to post
Share on other sites

Hi,

 

Can you please add threats to family members (minors)

Seizing and selling property not belonging top the the debtor ( do you have receipts for goods from 5 years ago?)

Selling levied goods at auction with no reserve, these being purchased by friends of the bailiff for 1/10th of actual price

Seizing laptops/computers with confidential information on them (Data Protection)

 

I wish you all the best with your efforts, but I think that you will meet with serious obstruction as there is so much money at stake and the people who profit from the actions of these people have a lot of influence and are connected to some very nasty people.

 

Please be careful

 

Best Regards

Link to post
Share on other sites

  • 2 weeks later...

My previous reply not here? Sympathies with srs57 - similar experience. Applied for an injunction from county court. Seizing goods (including a car and computer) which they had been told did not (or which obviously did not) belong to the debtor was the main problem. The judge can instruct them to return other peoples' goods and this does not need a court form.

Link to post
Share on other sites

I ill add 3 to the poll shortly,but I would like to develop the questions if I may be permitted.

 

A bailiff and his company are driven by the quest to maximise profits at the expense of the disadvantaged and vulnerable.

 

A doorstep visit will involve xxxxxxxxx and intimidating behaviour.A weak minded person will usually relent to this high pressure-As we read on here on an almost daily basis.

 

Councils do not require bailiffs to be CRB checked,unlike their stance on other agents who represent them ie taxi drivers etc.Bailiffs often enter single parent households with no training or awareness in child protection.Bailiffs are also paid on a commission style basis which IMO leads to a conflict of interest.Vehicles will be levied because the doorstep bailiff earns more from that than from a visit fee.Bailiffs are reluctant to verify ownership because there is a small fee involved in doing so.Likewise is it right that a xxxxxxxxxxxxxxxxxxxxxxxx etc should be placed in a position whereby the temptation to commit xxxxx is there on a daily basis?Potentials that could be avoided if anyone actually cared.

 

The commitment to prison threat is misleading because the regulations use that magic word "may" so a bailiff quoting 47 (1) is not doing anything wrong.

 

The National Standards,CIVEA Code of Conduct and Good Practice and LGO Report (Nov 2012) all recommend that a bailiff should report back upon discovering a vulnerable household.I doubt this happens very often in practice.

 

Fees are always going to provoke debate.I'm still not convinced that a levied car with no signed WP is chargeable & if that is the case all fees thereafter would be invalid.Van fees for a levied car? What were they planning? cut the car up & pack it neatly in the back of a van? Head H fees-Enough said & the thread a couple of pages back confirms everyones thoughts

 

I'm going for:

 

1.Excessive/xxxxxxxx charges/fees

2.xxxxxxxxxxxx behaviour on the doorstep

3.Constructive levies (ie unsigned WP on a car)

Edited by ploddertom
Some of what was originally posted could be perceived to be defamatory.
Link to post
Share on other sites

  • 3 weeks later...
  • 1 month later...

Thuggish behaviour from beginning to end. Right from the call centre to the 'doorstepers' .It must be the only industry (apart from illegal debt collectors) who routinely indulge in such neandertal tactics.

 

This is a good example of how they act:

Bailif action foiled by police..

 

Please deleted or edit if it contravenes site rules :-)

Link to post
Share on other sites

  • 3 weeks later...
Charges starting at £200 for van fees etc.....such a con!

especially if the turn up with a Berlingo, Nemo or Bipper to remove a car

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

  • 2 months later...

Will Bankfodder be providing an update at some point ?

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

Link to post
Share on other sites

  • 3 weeks later...
clamping blue badge/disabled tax vehicle :jaw:

 

They are not supposed to do that at all

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

Brassnecked - I know. Complaint in with Council who are steadfastly ignoring it and saying all is well. Unfortunately by law bailiff can clamp and I can only find guidance/codes of conduct saying that they shouldn't, not actual law.

 

If the car had been on the street it would have been safe from clamping from what I understand but because bailiff came to home.................

Link to post
Share on other sites

Am I losing it whilst I'm typing letters, I just checked back on here and saw that DF had posted

 

It says and theres no new post?

firstnew.png poll_posticon.gif Poll: Bailiff Poll

 

Please help us by contributing to this poll....

Started by BankFodder‎, 29th March 2013 14:02 1 2

 

 

tag.png

 

 

 

  • Replies: 20
  • Views: 23,175

dementedfeline Today, 15:05 lastpost-right.png

or is mycmputer on the blink ?

Link to post
Share on other sites

Am I losing it whilst I'm typing letters, I just checked back on here and saw that DF had posted

 

It says and theres no new post?

firstnew.png poll_posticon.gif Poll: Bailiff Poll

 

Please help us by contributing to this poll....

Started by BankFodder‎, 29th March 2013 14:02 1 2

 

 

tag.png

 

 

 

 

  • Replies: 20
  • Views: 23,175

 

dementedfeline Today, 15:05 lastpost-right.png

or is mycmputer on the blink ?

 

It automatically refreshes every few hours.

Please consider making a small donation to help keep this site running

 

[sIGPIC][/sIGPIC]

 

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...