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    • 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!  
    • 3rd one seems the best option, let 'em default, don't pay a penny, nothing will happen, forget about all of this. As for Payplan don't touch them with a bargepole, nothing they can do that you can't, and they will pocket fees. A do it yourself DMP is pointless as it will just string out the statute barred date to infinity.
    • Because that’s what the email said. Anyway it’s done now. Posted and image emailed.    im doing some reading in preparation for defence but I will need my hand holding quite tightly by you good people.  I’m a little bit clueless
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Rjh v Lloyds Tsb * WON *


rjhsteel
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Received the Allocation questionaire today. Just filling it in now. Because i'm claiming just over £1000 i won't have a fee on this questionaire...is that right?

http://www.consumeractiongroup.co.uk/forum/showthread.php?t=4190 - Rjh v Lloyds Tsb.

Dpa Sent (13/04/06).

Statements Recevied (04/05/06).

Preliminary Letter Sent £775 owed! (12/05/06).

Received Standard Reply from Lloyds. (17/05/06).

Posted LBA (31/05/06).

Received Lloyds "Final Response" Letter (03/06/06).

Filed Claim with Moneyclaim for £775+£192.19 interest. (21/07/06)

Lloyds defend claim (23/08/06)

**Lloyds pay up, at last. £1078 (14/11/06)**

 

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Cheers. Looks like you're at the same stage i'm at.

http://www.consumeractiongroup.co.uk/forum/showthread.php?t=4190 - Rjh v Lloyds Tsb.

Dpa Sent (13/04/06).

Statements Recevied (04/05/06).

Preliminary Letter Sent £775 owed! (12/05/06).

Received Standard Reply from Lloyds. (17/05/06).

Posted LBA (31/05/06).

Received Lloyds "Final Response" Letter (03/06/06).

Filed Claim with Moneyclaim for £775+£192.19 interest. (21/07/06)

Lloyds defend claim (23/08/06)

**Lloyds pay up, at last. £1078 (14/11/06)**

 

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Yep - I think so . I'm just annoyed that I have to pay up the £100 even though chances are they will settle just before court. Its a waste of my money (initially) and Lloyds money in the long run. I bet that Lloyds don't even know that the solicitors are doing it just to earn more money for themselves :mad:

 

 

Feralkat

:)Lloyds ***WON*** £3,500 :)
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Its certainly a long drawn out process.

http://www.consumeractiongroup.co.uk/forum/showthread.php?t=4190 - Rjh v Lloyds Tsb.

Dpa Sent (13/04/06).

Statements Recevied (04/05/06).

Preliminary Letter Sent £775 owed! (12/05/06).

Received Standard Reply from Lloyds. (17/05/06).

Posted LBA (31/05/06).

Received Lloyds "Final Response" Letter (03/06/06).

Filed Claim with Moneyclaim for £775+£192.19 interest. (21/07/06)

Lloyds defend claim (23/08/06)

**Lloyds pay up, at last. £1078 (14/11/06)**

 

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I'm sending the Allocation questionaire back today, how long roughly does it take to complete this process through to payment?

I started all this way back in april!!!

http://www.consumeractiongroup.co.uk/forum/showthread.php?t=4190 - Rjh v Lloyds Tsb.

Dpa Sent (13/04/06).

Statements Recevied (04/05/06).

Preliminary Letter Sent £775 owed! (12/05/06).

Received Standard Reply from Lloyds. (17/05/06).

Posted LBA (31/05/06).

Received Lloyds "Final Response" Letter (03/06/06).

Filed Claim with Moneyclaim for £775+£192.19 interest. (21/07/06)

Lloyds defend claim (23/08/06)

**Lloyds pay up, at last. £1078 (14/11/06)**

 

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From what I've read it varies. Make sure you send a copy to Lloyds solicitor though, that seems to help get them moving.

Mindzai & Lucid vs Lloyds TSB

 

Mindzai's Account - Partial settlement offer rejected

Joint Account - Partial settlement offer rejected

_________________________

Spreadsheet for compound contractual interest and statutory (s69) interest:

Download v1.9 [Tested with Excel 97-2007 and OpenOffice 2]

PLEASE NOTE: You should fully research contractual interest before you use that functionality of this spreadsheet. If in any doubt please use it to calculate 8% interest under s69 County Courts Act 1984.

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Hi I am around a week behind you so please keep us informed of your timescale cause mime wil be about a week after hopefully. thanks

 

 

 

Lloyds TSB Progess

 

first letter sent 10th June

Received reply 20th June

Second letter sent 30th June

Revieved final response 7th July

Filled in claim on line 30/07/06

Recieved Acknowledgment of service 4th August

Defence submitted 6th September

Allocation Questionnaire due back 20th Sept

Sent my Allocation Questionnaire back 10th Sept

Got there copy of Allication Questionaire 23rd Sept

Court date set for 25th Jan '07

 

 

 

Paragon Finance Progress

Sent first letter 24th August 2006

No reply so second letter sent 10th Sept 2006

Received letter back saying they are going to investigate my claim

Offer made by Paragon for full ammount plus interst! Rusult!!!

Cheque recieved *Won*

 

 

 

Any thing I write on this site is only an oppinion as I am not a solicitor or legal whizz!

 

 

 

 

 

 

 

 

 

 

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Ok, will do.

http://www.consumeractiongroup.co.uk/forum/showthread.php?t=4190 - Rjh v Lloyds Tsb.

Dpa Sent (13/04/06).

Statements Recevied (04/05/06).

Preliminary Letter Sent £775 owed! (12/05/06).

Received Standard Reply from Lloyds. (17/05/06).

Posted LBA (31/05/06).

Received Lloyds "Final Response" Letter (03/06/06).

Filed Claim with Moneyclaim for £775+£192.19 interest. (21/07/06)

Lloyds defend claim (23/08/06)

**Lloyds pay up, at last. £1078 (14/11/06)**

 

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  • 3 weeks later...

Quick update: The court have received my AC, but nothing from Lloyds.Closing date was 11th Sept. Think they only have three days from that date to send theirs in. That right?

http://www.consumeractiongroup.co.uk/forum/showthread.php?t=4190 - Rjh v Lloyds Tsb.

Dpa Sent (13/04/06).

Statements Recevied (04/05/06).

Preliminary Letter Sent £775 owed! (12/05/06).

Received Standard Reply from Lloyds. (17/05/06).

Posted LBA (31/05/06).

Received Lloyds "Final Response" Letter (03/06/06).

Filed Claim with Moneyclaim for £775+£192.19 interest. (21/07/06)

Lloyds defend claim (23/08/06)

**Lloyds pay up, at last. £1078 (14/11/06)**

 

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They were nearly two weeks late with mine!!!! The court will first write to them giving them x amount of time (usually a week) and if they still have'nt furnished it by then, you'll win, although this would be highly unlikely. In my case they finally sent a copy to the court and also to me - in one envolope was their A/Q, and another was a (conditional) settlement offer. Keep your fingers crossed, it could be the same for you. Then wether or not you choose to accept the conditions or not is another matter of course....

Please remember to DONATE! Help CAG keep up the fight!

 

 

Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.

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Just received a letter from Sechiai, clark & mitchell.

Basically they have sent off their AC and have enclosed a copy and are asking for a copy of mine.

Thing is, i havn't got a copy of my Ac.

Is this gonna be a problem?

http://www.consumeractiongroup.co.uk/forum/showthread.php?t=4190 - Rjh v Lloyds Tsb.

Dpa Sent (13/04/06).

Statements Recevied (04/05/06).

Preliminary Letter Sent £775 owed! (12/05/06).

Received Standard Reply from Lloyds. (17/05/06).

Posted LBA (31/05/06).

Received Lloyds "Final Response" Letter (03/06/06).

Filed Claim with Moneyclaim for £775+£192.19 interest. (21/07/06)

Lloyds defend claim (23/08/06)

**Lloyds pay up, at last. £1078 (14/11/06)**

 

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No. You're under no obligation to send them a copy of your A/Q. It is considered good practice too, but thats hardly something they've ever given consideration to is it? Sod em.

Please remember to DONATE! Help CAG keep up the fight!

 

 

Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.

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Cheers. Thanks for putting my mind at rest.

http://www.consumeractiongroup.co.uk/forum/showthread.php?t=4190 - Rjh v Lloyds Tsb.

Dpa Sent (13/04/06).

Statements Recevied (04/05/06).

Preliminary Letter Sent £775 owed! (12/05/06).

Received Standard Reply from Lloyds. (17/05/06).

Posted LBA (31/05/06).

Received Lloyds "Final Response" Letter (03/06/06).

Filed Claim with Moneyclaim for £775+£192.19 interest. (21/07/06)

Lloyds defend claim (23/08/06)

**Lloyds pay up, at last. £1078 (14/11/06)**

 

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I got there copy of A/C today, have they asked for extra time on yours? On mine they ask for a months extra to settle or negociate, (I think it is just a delaying tactic).

 

 

 

Lloyds TSB Progess

 

first letter sent 10th June

Received reply 20th June

Second letter sent 30th June

Revieved final response 7th July

Filled in claim on line 30/07/06

Recieved Acknowledgment of service 4th August

Defence submitted 6th September

Allocation Questionnaire due back 20th Sept

Sent my Allocation Questionnaire back 10th Sept

Got there copy of Allication Questionaire 23rd Sept

Court date set for 25th Jan '07

 

 

 

Paragon Finance Progress

Sent first letter 24th August 2006

No reply so second letter sent 10th Sept 2006

Received letter back saying they are going to investigate my claim

Offer made by Paragon for full ammount plus interst! Rusult!!!

Cheque recieved *Won*

 

 

 

Any thing I write on this site is only an oppinion as I am not a solicitor or legal whizz!

 

 

 

 

 

 

 

 

 

 

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Yeah. I just noticed that.

 

Settlement

Do you wish any further action in this claim to be postponed for one month so that you and the other party can attempt to settle the claim either by informal discussion or by alternative dispute resolution?

 

They ticked yes.

http://www.consumeractiongroup.co.uk/forum/showthread.php?t=4190 - Rjh v Lloyds Tsb.

Dpa Sent (13/04/06).

Statements Recevied (04/05/06).

Preliminary Letter Sent £775 owed! (12/05/06).

Received Standard Reply from Lloyds. (17/05/06).

Posted LBA (31/05/06).

Received Lloyds "Final Response" Letter (03/06/06).

Filed Claim with Moneyclaim for £775+£192.19 interest. (21/07/06)

Lloyds defend claim (23/08/06)

**Lloyds pay up, at last. £1078 (14/11/06)**

 

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They make you laugh... they've already had well over a month to settle with you, and now they're asking for another month!

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.

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Rjh,

 

Have a look at Jadests thread, I posted a letter to send to SC&M which you can use if you wish

Please remember to DONATE! Help CAG keep up the fight!

 

 

Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.

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Hi they are going to be busy answering all the letters, fax's or phone calls, Lloyds will end up owing there solicitors a fortune as well as all of us!

Luv Jadest

 

 

 

Lloyds TSB Progess

 

first letter sent 10th June

Received reply 20th June

Second letter sent 30th June

Revieved final response 7th July

Filled in claim on line 30/07/06

Recieved Acknowledgment of service 4th August

Defence submitted 6th September

Allocation Questionnaire due back 20th Sept

Sent my Allocation Questionnaire back 10th Sept

Got there copy of Allication Questionaire 23rd Sept

Court date set for 25th Jan '07

 

 

 

Paragon Finance Progress

Sent first letter 24th August 2006

No reply so second letter sent 10th Sept 2006

Received letter back saying they are going to investigate my claim

Offer made by Paragon for full ammount plus interst! Rusult!!!

Cheque recieved *Won*

 

 

 

Any thing I write on this site is only an oppinion as I am not a solicitor or legal whizz!

 

 

 

 

 

 

 

 

 

 

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  • 2 weeks later...

Hi Rjh, Did you send your letter, and if you did have they replied? I sent mine and they have not replied, I have call them again and they still say they are waiting instruction from Lloyds hope you are getting more joy than me...

 

 

 

Lloyds TSB Progess

 

first letter sent 10th June

Received reply 20th June

Second letter sent 30th June

Revieved final response 7th July

Filled in claim on line 30/07/06

Recieved Acknowledgment of service 4th August

Defence submitted 6th September

Allocation Questionnaire due back 20th Sept

Sent my Allocation Questionnaire back 10th Sept

Got there copy of Allication Questionaire 23rd Sept

Court date set for 25th Jan '07

 

 

 

Paragon Finance Progress

Sent first letter 24th August 2006

No reply so second letter sent 10th Sept 2006

Received letter back saying they are going to investigate my claim

Offer made by Paragon for full ammount plus interst! Rusult!!!

Cheque recieved *Won*

 

 

 

Any thing I write on this site is only an oppinion as I am not a solicitor or legal whizz!

 

 

 

 

 

 

 

 

 

 

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Received a letter from the court:

 

Upon the courts own initiative

 

IT IS ORDERED THAT

 

Claim be Stayed and to be referred to district judge dudley in box work on 23rd October 2006.

 

What does this mean exactly?

http://www.consumeractiongroup.co.uk/forum/showthread.php?t=4190 - Rjh v Lloyds Tsb.

Dpa Sent (13/04/06).

Statements Recevied (04/05/06).

Preliminary Letter Sent £775 owed! (12/05/06).

Received Standard Reply from Lloyds. (17/05/06).

Posted LBA (31/05/06).

Received Lloyds "Final Response" Letter (03/06/06).

Filed Claim with Moneyclaim for £775+£192.19 interest. (21/07/06)

Lloyds defend claim (23/08/06)

**Lloyds pay up, at last. £1078 (14/11/06)**

 

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Hi rjh, I have no idea what that means, sorry I can't help you, you could try calling the court to ask them to explain!

Jules x

 

 

 

Lloyds TSB Progess

 

first letter sent 10th June

Received reply 20th June

Second letter sent 30th June

Revieved final response 7th July

Filled in claim on line 30/07/06

Recieved Acknowledgment of service 4th August

Defence submitted 6th September

Allocation Questionnaire due back 20th Sept

Sent my Allocation Questionnaire back 10th Sept

Got there copy of Allication Questionaire 23rd Sept

Court date set for 25th Jan '07

 

 

 

Paragon Finance Progress

Sent first letter 24th August 2006

No reply so second letter sent 10th Sept 2006

Received letter back saying they are going to investigate my claim

Offer made by Paragon for full ammount plus interst! Rusult!!!

Cheque recieved *Won*

 

 

 

Any thing I write on this site is only an oppinion as I am not a solicitor or legal whizz!

 

 

 

 

 

 

 

 

 

 

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I've had some more charges come out of my account since i started this claim. Can i add these to my claim somehow? How would i go about it if so?

http://www.consumeractiongroup.co.uk/forum/showthread.php?t=4190 - Rjh v Lloyds Tsb.

Dpa Sent (13/04/06).

Statements Recevied (04/05/06).

Preliminary Letter Sent £775 owed! (12/05/06).

Received Standard Reply from Lloyds. (17/05/06).

Posted LBA (31/05/06).

Received Lloyds "Final Response" Letter (03/06/06).

Filed Claim with Moneyclaim for £775+£192.19 interest. (21/07/06)

Lloyds defend claim (23/08/06)

**Lloyds pay up, at last. £1078 (14/11/06)**

 

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I got order from court for small claims court on the 25th January 2007 I called the court to ask why such a long wait. They said tit was because the jugde in Chesterfield wanted all bank claims on the same date and because he wanted that date to be after the Houses of Commons had met to make a ruling on it. Any-one know what that is about? Is there a chance we might not get our charges back?

 

SC&M have said that Lloyds usually settle in order off the court dates.

Rjh I have more charges to add on too... i will ask for them to be added on only when we get to final settlement stages.... with the thret of 2nd claim!

 

 

 

Lloyds TSB Progess

 

first letter sent 10th June

Received reply 20th June

Second letter sent 30th June

Revieved final response 7th July

Filled in claim on line 30/07/06

Recieved Acknowledgment of service 4th August

Defence submitted 6th September

Allocation Questionnaire due back 20th Sept

Sent my Allocation Questionnaire back 10th Sept

Got there copy of Allication Questionaire 23rd Sept

Court date set for 25th Jan '07

 

 

 

Paragon Finance Progress

Sent first letter 24th August 2006

No reply so second letter sent 10th Sept 2006

Received letter back saying they are going to investigate my claim

Offer made by Paragon for full ammount plus interst! Rusult!!!

Cheque recieved *Won*

 

 

 

Any thing I write on this site is only an oppinion as I am not a solicitor or legal whizz!

 

 

 

 

 

 

 

 

 

 

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