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    • good idea take some pix and put them in a PDF read UPLOAD dx
    • thread title updated moved to overseas debt forum. sadly as they are outside any UK jurisdiction upon DCA rules which state in the UK they must not call employers, there not alot you can do to stop these scammers. make sure you totally make private ALL social media twitter/facebook/linked in etc etc as there no-way for them to findout where you work otherwise so you must have a leak somewhere. find it. your employer details arent even legally available to UK DCA's so how have they found it out to date???  simply write to the BANK informing them of your correct and current address ALWAYS!!. if you want to arrange payment or not TO THE BANK ONLY thats upto you. never ever ignore a Statutory Demand a Letter Of Claim a Court Claimform. if if if any of those ever happen. till then ignore and rewash. dx    
    • Date of issue –   13 may 2024 AOS date 31st may defence filing date 14th june plenty of lowell card claimform threads here use our enhanced google searchbox Lowell card claimform id be reading at least 5-10 threads a day. do NOT MISS your defence filing whatever happens.  
    • Hello All,  I’m hoping someone can help me urgently here. Firstly, I’d like to say I have read multiple other threads and have some what an idea of what I should be doing, however my case might be slightly different so coming with my own questions here.    my situation is I lived in Dubai and had a credit card and a loan, loan with HSBC and credit card with Emirates (or the other way round), I lost my job and was forced to leave the country as I was staying in the country on my companies visa.    since coming back, after a few years 2 different debt collections agencies have been approaching me (one being IDRW and the other J&P). I’ve never answered IDRWW and they constantly chase me by calling and messaging me and my employer. My current company is ok with this as I explained the situation but I’m soon to be joining a new company who definitely won’t be ok with being messaged and called. I’m afraid to continue to ignore them as they may message and calm the new employer as they have before and I’ll lose my job. However, it seems clear from these forums that dealing with the debt collection agencies is never a good idea. You shouldn’t agree to the amount or pay anything.    j&p caught me on my phone but I still haven't sent them any money or confirmed the amount they’re saying is owed, they keep pushing to pay off the “principal” amount by making monthly payments, from reading these forums it seems like if I make one of those payments (they have provided bank details for ENBD), then it’ll just be paying off interest and not actually clearing the principle debt and the bank won’t even approve receipt of payment or that it’s coming off principle.    this is my predicament as ignoring them might not be an option if they chase my new employer. Maybe there’s a way to ensure the debt collection agency don’t contact my new employer?? I don’t know? Massively appreciate peoples help here. Thanks, 
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Hi,

me and my wife are having major problems with the local council

and they relate to parking fines from last year.

 

Last April we had a knock on the door from a Bailiff from Rundles & Co,

he looking for my eldest lad who doesn't live at home,

 

I told him this but he wouldn't accept this and

 

in the end I asked him to leave my property and not to return or he would be arrested for trespass,

he said he wasn't going so I called the police, he then left.

 

I contacted my Eldest lad who contacted the Local council and got a sum total for all the fines and late payments that needed to be cleared and

 

the day after the visit from the Bailiffs the total was paid by my wife and we have a receipt to prove.

 

3 months down the line and I received a fine at my address in my sons name for a car that had never been registered at my address,

 

I contacted the local council once again and

all I got was that they get all their info from the DVLA and that's where the car is registered,

 

I then contacted the DVLA in writing and a week later I got confirmation that the vehicle had never been registered at my address.

 

I sent this proof of to the parking dept and heard nothing,

not even an apology although I did ask where they got their information from because it was obviously not the DVLA.

 

Fast forward to 5 feb this year and

another Rundle bailiff turns up at my address looking for my Eldest lad,

that hasn't lived at home for well over a year and has had no cars registered at my address

since the trouble last april, he is not even down on the electoral roll.

 

They are now chasing him for fines from last year ( fines that were cleared / full and final settlement ).

 

The problem is

They keep turning up at my address and its causing quite a bit of distress,

 

Apparently the only way I can prove he doesn't live here according to the parking department is to tell them where he is living,

even if I knew this I wouldn't tell them.

 

I did put a complaint in to the parking department via the local town hall

but all I got back was a letter saying that no such sum of money had been paid last year (even though I have the receipt)

and that mine and my wifes attitude and behaviour towards the Bailiff and Rundles had been far from exemplary.

 

..wtf a trumped up little public servant trying to tell me how to behave on my own property.

 

I need to take this further but really need to stop the harassment, where do I go from here?

 

Thanks.

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CEO of the council concerned.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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What has your son been doing all this time?

He's got a vehicle registered at DVLA in his name,

he's become liable for PCNs incurred by someone else,

he's got your address alongside his name,

which is causing you distress

- why doesn't he sort it out?

What's he got to say about it?

 

There's no point you complaining to the council

- he's the debtor,

DVLA are in error

- he needs to contact them, and also

file a statutory declaration contesting the bailiff warrant

(which might be quite a lengthy process for him) and after all that,

 

formally contest liability with the council for the original PCN.

 

He is in debt over this and

they are seeking to take his property,

if he has some at your address.

He should be on here,

not you!

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There is every point in complaining to the council the debtor does not live at your address

The bailiffs are the councils agent and acting on there say so council are liable 100%

If i have helped in any way hit my star.

any advice given is based on experience and learnt from this site :-)

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The fines were all paid in full last year,

 

He has had no vehicle registered at my address since last april

 

I have the letter from the DVLA to prove this,

 

he has registered his car at his own address

and is also on the electoral roll there.

 

One of the fines in June last year was for a car that had never been registered at my address

although my son had once owned the car it had not been owned by him at the time of the offence,

yet the fine still came through to my address and in his name??

 

He has no property at my house, why would he?? and

as far as im concerned now the Bailiffs have no right to come onto my property in regards to this matter,

 

I will be putting that in writing to them today,

 

I have just contacted the local councillor who has informed me she has had a lot of complaints regarding a couple of individuals

at the parking department and she is taking the matter up with the CEO,

 

(Thank you dx100uk).

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They are entitled to call - that's their job.

 

It's not unreasonable to assume he may have property there,

if that address is at all connected to his name,

and if your wife paid off his fines last time.

The bailiffs will want to know if the son has property there,

and they are legally entitled to try and find out.

 

When you got the original PCN notice, it was addressed to your son.

What should have happened is that either you returned it to the council as "not at this address"

or you passed it on to your son to deal with.

 

As it is, the debt stayed live on the council's system and now it's at the collection stage.

 

You can understand that if your wife paid off some fines before,

they are likely to regard you as their main route to getting payment this time

and will chase the debt at your address unless you give them your son's.

 

Your son can sort this out if he wants to.

He needs to file an out of time statutory declaration,

but as the debt is his, not yours, he will have to do it.

 

If I were you, I would be telling him in no uncertain terms to get it sorted out now.

 

He could start by posting on here for some advice.

 

This isn't something you can really deal with,

unless you are willing to pay again.

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The Bailiffs have now been told by the legal department of the council not to call at my address,

the fines were paid last year and

 

they have been trying to collect a charge for a car

that was not in my sons ownership at the time

nor was it ever registered at my address,

 

I have no idea at all how this came to be

other than to say the parking section of my local council are a law unto themselves,

looks like someone might be in a bit of bother :)

 

Its strange how everything we said to the parking dept seemed to go in one ear and out of the other,

 

As soon as the local councillor contacts them they listen.

 

 

@Jamberson - They are not entitled to call,

I revoked that right after the first visit,

it was stated that my son does not live here

and there is nothing belonging to him at my address,

we did return the tickets marked "not at this address"

but they still kept coming,

 

my wife paid the total of the fines while my son was present

(he had to be there to get a complete figure because of data protection).

 

@green_and_mean I made no assumptions,

I had all the paperwork in front of me,

the council and Bailiffs would not listen

- I probably didn't convey thing on this forum as well as I could have.

 

 

Thanks for the replies

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With all due respect when you deal with Rundles, aka Bumbles, you may as well talk to a cat,

We could do with some help from you.

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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 cant remove right of access

be very careful of rubbish on those FOTL sites.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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If there's nothing of his at the address, ultimately the bailiffs are wasting their time. But you can't instruct them not to call at the door.

 

I am slightly confused because you said in your first post, "the day after the visit from the bailiffslink3.gif the total was paid by my wife and we have a receipt to prove. 3 months down the line and I received a fine at my address in my sons name for a car that had never been registered at my address,"

 

If I understand correctly, some fines were paid and then another one arose, which hadn't been paid. So, it's a live debt. Isn't your son bothered? What will he do if they catch up with him? He could get this sorted out if he wanted.

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What you son could have done here was to file an Out of Time witness statement but thankfully the matter appears to have been sorted out with the intervention of your Councillor.

 

This is an important point and one that the public need to know about. The vast majority of the public are unaware of the important role that Councillors play and many times (in particular when there are cases of vulnerability) Councillors have a direct route of getting problems solved and can arrange to help cases on hold etc.

 

Unfortunately your wife's 'kindness' in paying your son's debt was not a wise choice. This same situation happens very often ( and in particular with court fines) and the problem with parents paying their son or daughters debt is that bailiffs will know from the case records that they need only to put pressure on parents to get payment.

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