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    • Hi Tawnyowl here,i have been watching events over the last week or so as things develop. Labrat,such a sense of humour.😀 Hi honeybee13 . Sure does     Anti-fracking campaigners have reacted with concern to news that the British Geological Survey (BGS) signed a non-disclosure agreement with Cuadrilla over access to operational data. https://drillordrop.com/2019/08/24/suspicion-over-fracking-firms-secret-deal-with-geological-agency/   Cuadrilla has been accused of trying to downplay last night’s 1.6ML earth tremor caused by its fracking operation near Blackpool. The tremor, at 8.46pm, was the largest so far recorded at the Preston New Road site since fracking began there in October 2018. https://drillordrop.com/2019/08/22/living-in-fear-residents-respond-to-1-6ml-fracking-tremor/ Energy firm Cuadrilla said a 2.23-magnitude tremor was recorded at its facility near Blackpool at 11.01pm on Saturday – the third “micro seismic event” this week. While some local residents may have felt the movement, it was not strong enough to have caused any damage to property, the firm added.  Do you believe anything this company says. Like their so called micro seismic events you would think damage could have been caused to properties. Once buildings start shaking this must happen surely. I was approached this afternoon while at a cricket match. Just chatting way about this and that when the person said Did you feel the Earthquake last night. I had not even heard about it,tell me more i said. Lights and windows shaking moving around about a mile away on one of the North of Englands largest housing estates. And there are reports of many more people feeling this event covered on this link. Why should a community be put through this,waiting for the next one. People living around Cuadrilla’s shale gas site reported shaking buildings and windows last night from a 2.1ML tremor. This is the strongest seismic event so far induced by fracking at the Preston New Road site near Blackpool. It brings to more than 90 the number of tremors since fracking resumed at the site less than a fortnight ago. Within minutes of the tremor, there were reports that people had felt it from surroundings towns and villages including Blackpool, Weeton, Westby, Peel, Kirkham, Wrea Green, Great Plumpton and Lytham St Annes. Much more on the link. https://drillordrop.com/2019/08/25/call-for-fracking-ban-after-2-1ml-tremor-shakes-buildings-around-cuadrilla-shale-gas-site/   You might notice that the BGS has a page now for human activity causing Eartquakes-link Last updated: Sun, 25 Aug 2019 18:10:00 (UTC) This list contains seismic events for which there is strong evidence that they have been induced by human activities. It is linked to a database of seismic events and locations and magnitudes may change as events are re-analysed and revised. Background, tectonic seismic activity is reported on our recent earthquakes list. http://earthquakes.bgs.ac.uk/induced/recent_uk_events.html   I had better leave it there for now, more soon.,how will it all end because surely it will. Things cannot carry on much longer like this,can they? Bye for now. Tawnyowl writing from the Earthquake centre of Great Britain courtesy of Cuadrilla Fracking.
    • happy for mod to move it to suitable location under thread title Background: Thanks in advance for any thoughts you can share. This is a very long history, I appreciate your time. In 2011 I took out a £8500. loan from Borro private finance against art and jewellery to make ends meet. The agreements are attached below. This is a CCA. Borro regulated by the FCA. The interest rate is APR 68.8  % for 6 months.  I paid the interest and capital during the period term. On 3 May 2012  I renewed this loan at 79.4% interest for another 6 months.  Last week I requested all evidence the lender holds concerning the agreements. Missing are 03/05/2012 through 14/06 2013.( not under a SAR).  I fell into arrears on the loan and one piece of jewellery was sold, reducing the balance to £6400. Dec 2014.   The lender took a payment of interest £2044.16.  Renewed against the other items ( art etc) on this loan.  The new interest rate increased to 88.8%  . At the time the ring was sold, I requested all documents concerning the sale. Borro produced none. The ring is appraised at $17,5000.  £14,000.  The ring was sold for £3500.  I have an appraisal. I was notified prior to the sale. The ring was sold by "private treaty". I continued to ask for information about this sale until todays date. No information has been provided.  I took a huge loss . The ring is not clearly described on the inventory compared to the appraisal. Documents missing from Borro response to my request include 25/10/2014 to 10/04/2015. I was in arrears on this loan and a new agreement was made. The loan amount was increased to £10,810.00 and the interest rate decreased to  80%.  what is interesting is that the lender should have sold this ring, the value was sufficient to pay off my debts. But that is not what happened. someone got a deal on a nice ring.  II. ON 1, Jan 2012, I took out a second loan in the amount of £3000 against another piece of Jewellery. The interest was 68.8%. I paid the P&I on this loan.    Missing from the requested information is agreement from July 10/2012 until 12/12/2012.  I did pay interest during that period and on 12/12/2012 through 11/06/2013 I renewed  with an interest rate for 79.4 %.  I renewed on 04/07/2013 through 03/06/2014 interest rate 97.8%.  I renewed this loan on 03/01/2014 interest rate was 88.8. Take note there is very little description about this item. I redeemed the loan but ended up back in the pawn. 19/06/2014 to 18/12/2014 interest eat 94.5%. I renewed this loan again 19/03/2015 . Interest rate was 93.2%. Now there is a clearer description of the ring. Documents missing from Borro response to my request include 012/06/2013 to /10/2014 to 10/04/2015. Information on the  description is also scant until I took the loan out again in 2014. The last payment on either loan was March 2015. Default date was September 2015. The lender still has my property.   PROBLEM: In 2013, Borro became aware that the reason I had pawned these items was that I was a plaintiff in a substantial lawsuit in the US. I borrowed because I had lost my job. I was not able to work( I had been FCA regulated). I was facing eviction, had serious financial stability  and some mental health problems. I gave them a copy of the pleadings. They are aware that I had claimed these loans as part of my damages.  In 2015, Periodically I requested the accounting. Some was provided some was not. As a result, in  2016, the head of credit wrote to me " "Thank you for coming in to see me today. As discussed, we will freeze your accounts with us from today the 14th October 2016 until the 31st of December 2016. This will mean that no further interest will accrue until the 31st December 2016 and we will not consign to sale until on or after the 31st December 2016."  I did not hear from them again until  08 February 2017. On 30/03/2017 I responded to Borro request that I give them an update on the accounts. I wrote that I needed a settlement figure.  No response the following week I personally met with the manager I had been dealing with. She told me that " we are not going to sell your property". We understand that you have fallen on hard times, we are human. How long will it take you to sort this out. I responded about 2 months."   I did not hear from Borro again until I wrote to them on 18/03/2019 where I stated, " the last time we met you were going to give me a settlement figure". There was no response. As a result, on  18 March 2019 I sent  an email to - Subject: RE: Borro Accounts. Dear Lender. Hello. The last time we met, you were going to give me a settlement figure. Litigation is still ongoing. We have a potential investor that has asked me to get a figure from you. Depending on that number, I can let you know if I can pay the bill and collect my things in the next few weeks. Please get in touch as soon as possible". no response.   In early July 2019 I received a call from someone at Borro. It was not a good time. I asked him to call me back the following week. I did not hear from him again either. On  6 august 2019 I received an email from Borro that I should log into my account. I was unable to. The following week I wrote to them and in summary: On 13/08/2019 I wrote and included a summary of the events: I am writing to advise you that I am obtaining advice concerning the  account. You are aware that you have not pursued any further action on this account since approximately 2014(or earlier) . This is because I had an agreement with Name Deleted that Borro was not “going to sell my property,  I recited the above summary of events.   Certainly, I had no intention to give up valuable property for almost 8 years and pay interest and principal for this long. I want to develop a resolution to the matter between us. In order to achieve this, Please can you provide me with the following information which is attached in a spreadsheet: I need a very simple accounting and please answer the below: Any renewed loans where additional credit was extended through the re-appraisal of the assets ( ie using the asset as leverage) to extend further credit where the loan proceeds were applied to the loan for reinstatement purposes. What were the source of funds for the last payment made? Because I am seeking advice with a view towards finding a resolution, I would appreciate it if you could hold action on the above account for a period of at least 30 days to give me the time  I need to obtain advice. If you are adding interest or other charges to the account, I would be grateful if you would freeze these during this period so that my debt does not continue to increase. Please can you send me the enclosed spreadsheet and the documents you loaded into my account as soon as possible. This will enable me to obtain accurate advice. I will contact you again as soon as possible with further details of a  proposal to resolve the account. ( so far this lender has not complied with my request)   SETTLEMENT OFFER From: Borro Customer Service <Contact@borro.com> Sent: 14 August 2019 13:22 To: Subject: RE: Your Loan Account   Dear borrower. Thank you for your email and for getting in touch with Borro. As you would be aware there have been many loans with Borro, with two loans that remain outstanding which we are seeking to resolve with you. Given the significant period these have been overdue, the current balance on these two loans is almost £52,000 of which the majority is interest. In order for you to move on from this debt it is proposed to sell the collateral associated with Loan DIAMOND RING 175643 in full and final settlement and return all the items under Loan 198678 to you. This would generate a loss for Borro of approximately £49,000, however given your circumstance this is something we are prepared to offer. While I would love to pay Borro £3000. I do not currently have the funds. Borro is aware because I wrote to them on august 13 advising them i am not working. I do not want to lose my property. I need to find a way for them to walk away, give me my property back. WHAT ARE MY OPTIONS? Below are the questions I have or could raise in order to "negotiate with them". Is this a high interest short term loan? What are the effects of an CCA that has an interest rate of 93.6% and is renewed every six months? It appears that one loan was "Refinanced".  What FCA terms did they violate which might apply to this situation ? After the agreement expired and terms were changed, what rights does the PB have to collect further payments or sell the ring? Did they waive their rights to further payments? How can I use refusal to produce sale information concerning the first ring, to negotiate my way out of this? What is interesting is, they sold a £14,000 ring privately, concealed the buyer and other information, then turned around and INCREASED THE INDEBTEDNESS substantially. In fact they want to do this again, but this time are offering to  write off £49,000  in other interest. What am I missing? What effect does violations of FCA 6 and 7. help me to negotiate a settlement. Is the FOS effective threat to the firm to pressure a settlement? Does a cost cap apply to these loans and if yes what is the amount of the cap? How can I use the current appraisal and FCA or any other rules to stop them from selling the ring for less than market value? I have someone looking at the accounting to see if there are errors. found several when query. anything you can find that voids the agreements? Anything else you can think of THANK YOU!!!   RING.pdf art.pdf
    • I am so sorry I see the confusion now, I was meant to say CAB not CAG. They are just sending him letters to copy and send which doesn't seem helpful at all.    I also apologise for the vague details right now. I actually thought he had got rid of the car already until he mentioned it as he dropped me off home, so I've only got a vague idea myself, i just wanted to see if there was anything he could do other than send letters. I will get more details from him and update this thread, or get him to join as you have advised.  sorry 
    • It was a late payment, no default 
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Hi everyone,

 

Its been a while since my last post.

 

I need some advice about a bailiff that has just called upon my daughter.

 

She is in a security block of flats that cannot be accessed directly without being let in by owner through telecom system.

 

he told her he was from Bristow and Sutor and needed her to make an agreement.

 

She said she was a single woman alone and was not prepared to let him in and would phone the office.

 

He said she needed to let him in and do it now.

 

She said if he didn't go away she would telephone the Police,

he said if she didn't let him in the Police were going to arrest her and 6.30 am tomorrow morning.

 

He has just gone but has left a letter for her.

 

Is this kind of treatment legal and what should she do? thanks x

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Total Hogwash from the bailiff, she does not have to let him in, if she feels threatened then police it is!

There is no reason for her arrest, what is the bailiff chasing please?


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She has a violent ex partner and a panic alarm and is constant contact with police, so this is not helping her anxiety. He said if she had a car, he would of taken it

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Unless this has been a very long running affair arrest is not on the cards unless the LA decides to proceed against your daughter for avoiding payment of the CT, difference between can't pay and WONT pay.


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How much is outstanding?


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£2367 :( she said she doesn't know how it is so high. She cleared her CT 2 years ago and has been on and off housing benefit since then.

She said she is going to ask for a breakdown of charges, is that a good idea?

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she has just been on the local authority website and put in her reference and it says she owes £593

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she has moved a couple of times and she had her first letter about this last week

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That no surprise with BS.

I going to alert the site team to see if the CT experts can help.


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I have a commercial business providing assistance to debtors faced with a bailiff visit and just today, I have received 3 similar enquiries as yours where a bailiff threatened that unless they are allowed entry that a warrant will be issued for their arrest. It is becoming a very worrying time indeed. Let me explain WHY the bailiff wants to gain entry.

 

A bailiff company may only charge a fee of £24.50 for "attending to levy" and a further 2nd visit can be made and the fee for this 2nd visit is charged at £18.00. UNLESS the bailiff is able to gain "peaceful entry" into the premises or alternatively; to "levy" upon a car outside, the MAXIMUM that he can charge is CAPPED at £42.50. These fees will be retained by the bailiff company.

 

The "individual bailiff" would only be able to derive any commission be being able to gain "peaceful entry" into the property and "levying upon goods".

 

The "levy fee" is calculated as a percentage of the amount of the Liability Order but, as a rough guide, if the LO was for £600 the "levy fee" would be £55. On top of this fee the bailiff can then charge a fee of £12 for the Walking Possession. Just on this example alone, you will see that by allowing "peaceful entry" the bailiff would have managed to gain fees of £67.

 

Sadly, it is not until the bailiff has managed to gain "peaceful entry" into the property and levied upon goods that he will outline the basis of a payment plan and many times, the payment arrangement set by the bailiff will be at a figure that is simply unaffordable and what then happens is this:

 

The debtor will very likely make payment (with difficulty) of the amount required by the bailiff at the time of signing the Walking Possession but the 2nd payment will be late. Unbeknown to the debtor the bailiff companies computer system will register the account as being in "default" if payment has not been received in cleared funds into the account by the precise day or the month set by the bailiff.

 

Once the account is shown as "defaulting" the bailiff company will then move the account to a "van bailiff" who will then attend the premises with the "intention of removing the goods previously levied". Crucially, the bailiff will then be legally allowed to charge an "attending to remove" fee to the account. The precise amount of the "van fee" will vary from company to company but as a rough estimate will be between £120 and £250 !!

 

As stated above, the bailiff is only able to gain "peaceful entry" and of course, a debtor can refuse to allow the bailiff entry into her home but she should NOT refuse to pay the debt. It is for this very reason that it is important for any debtor to ensure that they WRITE to the bailiff company to outline their circumstances and to make a sensible payment proposal.

 

The problem that we now have is that people are not writing letters and instead, rely upon calling a bailiff or his company on a mobile phone. Complete madness!!

 

In your daughters case, given the way that the bailiff appears to have already seriously misled her I would not be minded to allow him into the home in any event.

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Thanks for all that information Tom, what would happen if she contacted the local council in regards to making atrrangement to pay the debt through them? As the figure they are asking is 3 times as much as believed to be owed.

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Bare in mind each time she moves property it will have a different reference number so maybe only one bill will show when typing the one reference in on the computer


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What she must do is to contact the council in the morning and get clarification of the precise amount of any Liability Orders. Please post back once you have received the information.

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she has typed the refence from the bailiff letter

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ok, will do that, thanks for your help and time.

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If the bailiff cannot gain peaceful entry or gain a levy, as has already been stated they will be entitled to just £42.50 in total for First and Second visit fees

 

as to his claim "he said if she didn't let him in the Police were going to arrest her and 6.30 am tomorrow morning. " a Formal Complaint to the head of Revenues CEO Elected Leader , local member and MP as to the agent of the council Busted & Stupor making false claims as to their powers, and seeking to terrorise a single woman.

Edited by ploddertom
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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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You need to speak to someone at the Council and ask the following questions:

1 - how many Liability Orders they have against you

2 - the dates they were obtained

3 - the addresses they were for

4 - the period of time each covers

5 - how much each one was for

6 - how much is still outstanding

7 - the dates they were passed on for enforcement

8 - the dates & amounts of any payments


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Thanks to everyone for looking in on this.

 

Brig.


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Send the following for a breakdown of the fees. Send initially by email - tonight - followed by a copy in the post - tomorrow. enquiries(at)bristowsutor.co.uk

 

"From:

My Name

My Address

 

To:

Acme Bailiff Co

Bailiff House

 

Ref: Account No: 123456

 

Dear Sir

 

With reference to the above account, Can you please provide me with a breakdown of the charges.

 

This includes:

a - the time & date of any Bailiff action that incurred a Fee.

b - the reason for the fee.

c - the name(s) of the Bailiff(s) that attended on each occasion a Fee was charged.

d - the name(s) of the Court(s) the Bailiff(s) was/were Certificated at.

e - the date of the Certification.

 

This is not a Subject Access Request under the Data Protection Act S7 1998 so does not incur a fee of £10. You are obliged to provide this information.

 

I require this information within 14 days.

 

Yours faithfully

 

Ripped off customer"


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If your daughter is under 'protection' from a violent partner she is classed a being vulnerable, it would be advisable for her to also pass this info on to the council and request they take the debt back in house. Your daughter will need to follow previous advice and send an I & E along with her proposal to payments.

 

It is not long ago I helped another young lady in exactly the same position as your daughter with regard to there being a violent partner on the scene, the council in question were very sensitive to the situation as the police themselves supported her with their concerns for her safety, she also involved her local Councillor and her MP...the debt was returned to the Council within 24 hrs and an affordable payment plan put in place :-)

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WD

 

Good point. The council need to know the circumstances and once again this is why it is so very important that people WRITE A LETTER to the bailiff and if necessary ( in particular in cases such as this) a copy should also be sent to the council.

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good advice from WD, I feel that these circumstances, where there is a protection issue, and risk from a violent partner, who may well be jointly responsible for a council tax debt, the abused partner should be automatically treated as vulnerable. If the council do not withdraw the bailiffs then a Formal Complaint is in order,


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Thanks everyone for all your advice. I have passed it all on to my daughter and will keep you informed.

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