Jump to content
  • Tweets

  • Posts

    • Jeff believes, like fish, chips and mushy peas, they are an integral part of this country's DNA. While Rachel argues that her 'free' account is being paid for by someone else. View the full article
    • https://www.dailymail.co.uk/news/article-8900129/Boris-Johnson-facing-Tory-revolt-new-lockdown-Furious-MPs-lead-backlash.html
    • I'm very sorry but this is very scant information and it certainly doesn't lay out the story in the way that I asked. Also there is absolutely no reason why you shouldn't identify the courier. as long as you are straight dealing and honest then it is better to bring things out in the open. we don't play secret squirrel here or get into any skulduggery. we are very pleased to help you and support you but you will have to lay things out in the open so can we can fully understand and provide us with the information that we have asked for  
    • Thank you BankFodder for the feedback and learning; here is the chronology which encapsulates the 'story'.  All parcels listed below were never delivered (for no apparent reason - the reason stated on the messages I received was that 'customer has no knowledge of purchases' ) by the courier who I'm cautious not to name in case there are legal implications for me personally. This matter is now in the Court system. I would be grateful if you could please confirm that you have seen the defence. Chronology Retailer Date goods ordered Date goods collected from retailer & promised for delivery by xxxxxx Comments / Breach of contract Holland & Barrett 23/09/2019 27/09/2019 Parcels not delivered – returned to H&B Debenhams 27/09/19 07/10/2019 Parcels not delivered - returned to Debenhams Holland & Barrett (re-order) 01/10/2019 07/10/2019 Parcels not delivered – returned to H&B Debenhams 29/09/2019 01/10/2019 Parcel not delivered - returned to Debenhams Debenhams 29/09/2019 01/10/2019 Parcel not delivered - returned to Debenhams Debenhams (re-order) 01/10/2019 07/10/2019 Parcel not delivered - returned to Debenhams
    • If you want to save us all a lot of time, you can tell us the whole story in a chronology without too much narrative including who you are dealing with. We really can't say if you have missed a trick until you lay it all out.   In terms of not wanting to bother us, - very noble, but it is less of a bother if you come to us first so that we can help you to get it right first go  
  • Our picks

    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies
    • Oven repair. https://www.consumeractiongroup.co.uk/topic/427690-oven-repair/&do=findComment&comment=5073391
      • 49 replies
    • I came across this discussion recently and just wanted to give my experience of A Shade Greener that may help others regarding their boiler finance agreement.
       
      We had a 10yr  finance contract for a boiler fitted July 2015.
       
      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
       
      It all started mid summer during lockdown when they refused to service our boiler because we didn't have a loft ladder or flooring installed despite the fact AS installed the boiler. and had previosuly serviced it without issue for 4yrs. After consulting with an independent installer I was informed that if this was the case then ASG had breached building regulations,  this was duly reported to Gas Safe to investigate and even then ASG refused to accept blame and repeatedly said it was my problem. Anyway Gas Safe found them in breach of building regs and a compromise was reached.
       
      A month later and ASG attended to service our boiler but in the process left the boiler unusuable as it kept losing pressure not to mention they had damaged the filling loop in the process which they said was my responsibilty not theres and would charge me to repair, so generous of them! Soon after reporting the fault I got a letter stating it was time we arranged a powerflush on our heating system which they make you do after 5 years even though there's nothing in the contract that states this. Coincidence?
       
      After a few heated exchanges with ASG (pardon the pun) I decided to pull the plug and cancel our agreement.
       
      The boiler was removed and replaced by a reputable installer,  and the old boiler was returned to ASG thus ending our contract with them. What's mad is I saved in excess of £1000 in the long run and got a new boiler with a brand new 12yr warranty. 
       
      You only have to look at TrustPilot to get an idea of what this company is like.
       
        • Thanks
      • 3 replies
    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
       
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
       
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
       
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
       
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
        • Thanks
        • Like

Please note that this topic has not had any new posts for the last 2063 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

HI IM WONDERING WHAT IS MY BEST OPTION IVE RECIEVED A LETTER YESTERDAY FROM MARSTON REGARING ANGLIAN WATER BILL ITS A NOTICE OFF ENFORCEMENT I HAVE RECIEVED

 

U MUST PAY OR ARGEE A PAYMENT ARANGEMENT BY 16TH OFF MARCH . IVE READ NOT GOOD THINGS ABOUT THIS COMPANY AND IM REALLY WORRIED I CURRENTLY WORK PART TIME WAS DOING FULL TIME HRS BUT PUB I WORK IN TRADE HASNT BEING GOOD SO CUT MY HRS DOWN . i currently live wth a guy ..do i have to declare his income to them if i phone them up ...?. im wondering if to go to my local court office on monday morning as im not very good dealing with stress off baliffs visting my home and asking them for help ..i would sooner pay them a amount i can afford ..

 

any advice will be welcome .the debt is 1.400 .. ive only just got on top off my rent areaeas .and nearly finshed paying rossindales off from last yrs council tax ..and now this worry

Link to post
Share on other sites

If you can pay it now, I would, just to avoid the stresses of them calling out(I'm a bailiff though so thats an auto response)

 

Paying it now is the debt+£75(90 if high court)

A visit will add hundreds to the total.

That said, it might be an idea to supply us with a bit more info as to what the debt is for?

Have you tried to deal with this previously?

Link to post
Share on other sites

Ok, thats good. That means that as long as you keep your door locked they cant take your goods.

If you have a car, barring some reasons to class it as exempt, they can take that from your private land or the highway.

If they do visit though, the cost will increase by 190+vat + 7.5% of the debt. Followed by a further 594 if you have failed to ask for a suitable arrangement to be made. They could then look to remove goods, and if they can remove something, a further charge will be made. This will be in excess of £600 at this stage for this one charge alone.

You have time. If you can pay, then pay.

If you cant pay it in full, ask for an arrangement. This will involve the bailiff calling out and the attendance costs should remain on £190+vat+7.5% if you have no assets of note.

Alternatively, if you need mote time, you can look to ask the court to stay the writ while you raise the funds or even ask the court for a set arrangement via a variation order. Both of which may not work though.

Link to post
Share on other sites

i dont own a car .. if i could pay it all in full i woudnt be on this group asking for advice ... i dont have much to my name infact all upstairs my home is empty rooms as when kids moved out last yr after being single mum ..they took beds n there own items with them

Link to post
Share on other sites

its very rare for anglian water to involve bailiffs after they go get a CCJ

 

didyou not defend the CCJ

 

tellus the fullll story please

 

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... 

 

 

Link to post
Share on other sites

hi it was end december they took me to court and stupidly i just iggnored the letter ..my fella had just started a new job and we went 4 weeks struggling as he went to monthly pay so we had to borry off friends to pay the rent and to live bacically then in jaunary it was pay back my friend 600 pound out his wages .left us with not alot that month out his sallery ..

Link to post
Share on other sites

Just so you know

There is no right of entry to a residential address

No locksmith

It is not a crime to be in debt or have a ccj

If i have helped in any way hit my star.

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

Link to post
Share on other sites

it has gone to high court i rang anglian water begging to take debt back .the balifs havent visted yet but i know i dont have to let them in im worry as my fella has a car have they got a right to take this .

Link to post
Share on other sites

in 5 weeks time i am having the local council who i rent my home off coming in to fit me new bathroom kitchen etc as mine has being in property over 25 yr s so with work men being in and out for a few weeks i cant always garantee that my door will be constatly locked

Link to post
Share on other sites

u mean the log book to car etc car isnt worth alot only worth just under 500 pound but i had the debt even before i meet my fella .im even thinking off telling him to move out till i sort this mess out

Link to post
Share on other sites
u mean the log book to car etc car isnt worth alot only worth just under 500 pound but i had the debt even before i meet my fella .im even thinking off telling him to move out till i sort this mess out

Tell him to park it well away for now, as Marstons might clamp it and use it as a hostage. has he changed the address on it to yours yet? I

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

Jayne,

 

It is worrying the number of water companies who obtain judgments and then pass them to a High Court Enforcement company instead of using the County Court. Why they do this I do not know. They must already know that the debtor cannot afford the initial debt and that going the HCEO route will add a minimum of £313.25 to every single account.

 

In your case, it is vitally important that you email Marston's immediately and explain to them the following:

 

The property is rented and you have rent arrears

 

You are currently subject to bailiff enforcement already from Rossandales for arrears of council tax.

 

You work only a few hours a day in a local pub.

 

You do not own a car and there is almost nothing of value in the property.

 

The problem that you will have is that any offer you make will be subject to a personal visit. This is unique to debts being enforced by a High Court Enforcement /Enforcement Agent. The purpose being to 'secure' the debt on behalf of the creditor. The fee for this visit is £190 (plus 7.5% on the sums to be recovered over £1,000 plus VAT).

 

It is important to be aware that you are not under any obligation to allow a bailiff into your home and given your circumstances you should NOT do so. I would suspect that any sensible enforcement agent would return the warrant as uncollectable.

Link to post
Share on other sites

Perhaps the Water Companies have a backhander arrangement for a percentage of the fees., but good advice Jayne from BA, do not let them in and keep OH car away for now.

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
Jayne,

 

It is worrying the number of water companies who obtain judgments and then pass them to a High Court Enforcement company instead of using the County Court. Why they do this I do not know. They must already know that the debtor cannot afford the initial debt and that going the HCEO route will add a minimum of £313.25 to every single account.

 

 

I should have explained how the 'minimum' figure of £313.25 is arrived at:

 

With debts enforced via the High Court the Compliance Fee is £75 plus vat (£90)

 

If the debt is not paid in full during the 'compliance period' and a payment proposal is made then in every case the EA must attend the debtor's premises to 'secure' the debt. The fee for this visit is £190 plus vat (£223.25). However, if the debt is over £1,000 a further 7.5% is added (plus vat)

 

It is not difficult to understand why all 'advice sector groups' are so opposed to HCEO's getting their hands on all judgments (including those covered under the Consumer Credit Act) !!!!

Link to post
Share on other sites

High court enforcement of CCA debt will cause extreme hardship for many, if it is brought in

 

What it has illustrated is that in Jayne's case it increases the debt to way unaffordable levels.

 

What can the EA do if a debtor will not let them in to "secure " the debt for an arrangement?

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

hi i havent spoken to mardens .as off yet ive being advised not too as it says on letter i have till the 16th march which is a week away ..i was told about applying for a charis grant help last night .and filled in a application online expaling my circumstances .i know this takes about 6 weeks to find out if i have being sucessfull with this but anything is worth a try ..

Link to post
Share on other sites
Tell him to park it well away for now, as Marstons might clamp it and use it as a hostage. has he changed the address on it to yours yet? I

he has never had the car registerd at my address ..at all ..car log book insurance everything is all at his mothers address

Link to post
Share on other sites
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...