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    • 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
    • why do you need adobe...use a pdf online website. all for now...no get reading up and do not miss your defence filing date no matter what. post it up in good time no!!    
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Carter/lowells claim form HBOS loan - help


N-Hope
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Guys, Any updates for me please, I don't want CCJ.

I have been speaking to friends and family if they could assist in getting some money, but my worried is that, at the back of the claim form regarding payment/settlement, if I decide to spread the payment I will still have CCJ registered but paid in full they didn't say what will happen.

Is there any way I can buy time?

If I decided to defend the case and ask them to provide me some document, I am sure that before they will respond it might take a while and that will afford me time to put some money together and if at the end they come back with the documents can i still pay in full without any CCJ registered?

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Please read Citizen Bs post 21 and do what has been suggested then you will get help. Have you sent the CCA request yet,

Edited by ims21

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GRIGADIER2JCS Yes, I found the CCA link and template, I will do that now and wait for their response.

I was able to get the credit report today and the default was 2009 and lowell name was on the account , does that mean they bought the debt.

likely they might not have the agreement

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Ok so 17th Jan + 5 for service = 22nd. You have 14 days from then to acknowledge so you must do this by 5th February and then you have a further 14 days to file a defence so that makes it 19th Feb for anyt defence to be filed.

 

Your acknowledgement can be done on-line using MCOL and by following the instructions in the claim pack which was sent you.

 

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IMS21/All, thanks for telling me this, I was looking at 4th of feb.

I will send the CCA to them and wait for their response, if they don't response before 19th Feb. i will file a defense

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N-Hope

 

I think if it were me I'd acknowledge and state that you will defend all, not sure whether you have a valid defence but this will buy you time to construct something if only a denial and putting it to proof. Bear in mind that you can change position and admit at any time if you decide that going to trial with this is not something that you'd be comfortable with.

 

If BC issued the claim it is very likely that it will offer to compromise the case by consent on agreed terms after receipt of your defence, whilst this may not be the outcome you want it would provide you with an option to avoid judgment at affordable terms if your case is weak.

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Thanks Mike_hawk,

I will send the CA request but should I wait for their response (depend on time scale) before I will acknowledge and send my defence.

Also a valid defence will be based on the documents received/feed back from them right....

If my defence is weak, the only option I think I will have is to admit and settle the full payment....please correct me if I am wrong.

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Thanks Mike_hawk,

I will send the CA request but should I wait for their response (depend on time scale) before I will acknowledge and send my defence.

Also a valid defence will be based on the documents received/feed back from them right....

If my defence is weak, the only option I think I will have is to admit and settle the full payment....please correct me if I am wrong.

 

You can acknowledge now, don't wait on the other side to respond to your request for info

 

Looking back through your thread that would give you until 19th Feb to file your defence, I'd be inclined to see what its response is before making any conclusions, if it appears that you have no defence then we can look at what options [if any] are open to you to resolve without the headache of a judgment.

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Hi All,

Thanks for all the advise.

I have sent off the CA request, also acknowledge the service but still waiting for responses...

Also do I need to send any letter to BC?

But the question is how to file my defence......

I will keep you posted, as soon as I get any response back.

thanks!!

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You have a while yet to think about your defence.

 

Letter to BC....... you could certainly serve a part 31 request for any documents mentioned within it p.o.c. I can see that you've posted an extract from its particulars but it would be helpful to see it in entirety to identify which documents you should request. BC won't do much but reply with the usual bluster regarding small claims track exclusions etc but it never hurts to ask.

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Thank you Mike_hawk for your prompt response.

Okay, i will scan and attach..

Letter to BC, if not really necessary, i would wait for the other party to respond.

 

[ATTACH=CONFIG]49079[/ATTACH]

Hi Mike_hawk, as requested here is the p.o.c, hope i have not taken too much details out, if you need more pls do let me know.

many thanks!!

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Looks fairly typical of BC's particulars, I'd send it a part 31 request for copy of the agreement and notice of assignment. Other than that there's not a lot more you can do at the mo, give it a few more days to reply to your CCA request [if any] and start looking at defences on here which could possibly be revised to suit your circumstances

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Amend to suit...you can only request the docs referred to with the particulars.

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 OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

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