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    • sorry i see you put the poc in post 1...   are there any agreement numbers in the POC?    
    • forget any warranty, that is not worth the paper it is written on and does not replace, null, overrule or compromise your consumer rights.   tell us about the car? was this a new car you bought or 2nd hand is it on finance or yours when did you purchase it and from whom.
    • Claimant - Perch Capital LTD sols TM Legal   Issue date 19.11.2021   date for defence  - 21st December.   Exact wording of Particulars of claim -   1.The claimant claims this amount in respect of an unpaid loan, regulated by the Consumer Credit Act 1974. The loan was funded by GAIN Credit LLC.   2.The defendant has failed to make payments in accordance with the terms of the credit agreement.   3.The credit agreement was assigned to the claimant, upon which a Notice of Assignment was sent to the defendant.   4.The defendant has either failed to respond to the claimant or has failed to make regular payments.   5.The claimant has issued a letter of claim, providing the defendant with a further opportunity to arrange repayment of the outstanding balance to no avail.   What is the total value of the claim? £1668.00 + £115.00 court fee + £80.00 legal rep fee. Total £1863.00   Have you received prior notice of a claim being issued pursuant to Paragraph 3 of the PAPDC? Not known   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? Yes   Did you inform the claimant of your change of address? No.   Is the claim for a bank account (overdraft) or credit card or loan or catalogue or mobile phone account? Loan.   When did you enter into the original agreement, before or after 2007? After 2007   Do you recall how you entered into the agreement? Online.   Is the debt showing on your credit reference files? 5 separate entries for Perch - 1. Opened 3.3.2018. Opening balance £150. Current balance £270. Updated Aug 2021. No data. 2. Opened 3.4.2018. Opening balance £250. Current balance £458. Updated Aug 2021. No data. 3. Opened 4.4.2018. Opening balance £170. Current balance £312. Updated Aug 2021. No data. 4. Opened 29.3.2018. Opening balance £350. Current balance £627. Updated Aug 2021. No data. 5. Opened 24.2.2018. Opening balance £400. Current balance £324. Updated Nov 2021. No data.   **No matter how I try, I cannot get any of these to add up to the claimed amount**   Has the claim been issued by the original creditor or was the account assigned and it is the debt purchaser who has issued the claim  (Perch)    Were you aware the account had been assigned - did you receive Notice of assignment? He doesnt know, all correspondence sent to a previous address.   Did you receive a default notice from the original creditor? Again, any correspondence sent to previous address.   Have you been receiving statutory notices headed "Notice of sum in Arrears" or "Notice of Arrears" at least once a year? Again, maybe sent to previous address.   Why did you cease payments? Never made any.    What was the date of your last payment? None made.   Was there a dispute with the original creditor that remains unresolved? No.   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No.
    • sorry i was getting confused this is an old bill at your present address.   there is little they can really do they can't fit a prepayment meter or cut you off, they are not your current supplier. they could get a DCA involved and no they can't add any penalty fees for doing that, they are unlawful, and as you already know? from reading my sig below, a DCA is NOT a BAILIFF and never can be, they have ZERO legal powers on ANY debt no matter what it's type.   they COULD go for a CCJ ...BUT they would HAVE to abide by the pre action protocol letter of claim FIRST which you could then raise a new dispute over.       have you stated this to them?
    • Yes an old account but at same address , I have been a home owner there for about 8 years. The linked address is showing as my parents address    im wondering what action EDF are likely to take ?.. 
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Debtor pulls knife on EA gets 5 years


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"A dad who brandished a two-foot hunting knife at bailiffs who were trying to repossess his car has been jailed.

Nathan Watson, 27, had already put his children in the back of the Volkswagen Golf in a bit to stop the debt collectors towing the vehicle away."

 

 

For more on this story please read here http://www.lep.co.uk/news/local/dad-brandished-knife-at-bailiffs-1-7407621

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Should have been a LOT longer than 5 years imho . Even though people hate bailiffs, there is absolutely no need at all for this type of behaviour.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

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This sort of behaviour is all to often what happens with the EA and debtors nowadays, yes it is wrong and where this is found to be this serious then the full weight of the Courts must be used, more for a deterrent and for punishment too. I wish people would be more civil and talk but that seems to be a thing of the past, more like attack now and pay later seems to be the norm....

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Reading the article it would appear that he was only given 14 months for the knife threat-the rest of the five years was for other offences . I

don't know if the guy was a thoroughly bad lot before he got into debt or whether the desperation of his plight drove him to break the law. It should though perhaps be a salutary lesson to

bailiffs not to threaten someone, especially unlawfully threatening to remove children from a car, as it may have lead to a lighter sentence for the offence as well as putting themselves at

unnecessary risk.

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He had a 2 foot hunting knife readily available. That says a lot. Plus he was willing to put his children in harms way.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

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Don't condone the violence but maybe the bailliff should have just called the police and not threaten to put hands on the children to drag them from out of the car (if indeed this is what was said by the bailliff) I don't beleive the balliff has any right to put their hands on minors.

 

Easy to say what the supposed debtor should do or not do but the baillif's have to take some responsibilaty as they know they should have just called the police to ensure everyones saftey.

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If someone threatened to assault my kids, like the Bailiff's did here, then I too would go Rambo, should they actually touch them, but not with a knife, just the good old Mark 1 Fisticuffs, that come as standard issue on the Human 1.0 Model. Of course, I am a decent human being and law abiding citizen, so I would have never, ever put any friend or family, never mind my own children into harms way in the first place, and certainly would not have tried to use them as a "weapon" to stop a repo.

 

We have no way of knowing if all the crimes were committed due to being in debt, but frankly, the evidence shown and the crimes he has been found guilty of are not the actions of someone feeling desperate due to debt, they are the actions of a habitual criminal, who is also fond of using violence. Grabbing money from the till at work, or on the spur of the moment shoplifting are what people do in that sort of situation, not planning and carrying out motorbike thefts from garages and robberies with violence.

 

And as pointed out, nobody normal, not even someone stressed out from debts walks around with a 2 foot knife. I personally think the custodial sentences for possession of a knife, never mind threatening with or using one, should have a minimum tariff of 8 years. the normal action of someone stressed from debt is also not to turn into a violent partner and wage a campaign of domestic abuse against their partner.

 

The Bailiff's were a bit stupid too making threats against the kids, what if the guy wasn't a violent criminal who pulled out a knife, but instead a normal bloke, they did as threatened and then find the Old Bill knocking on their door later that night, because the kids have been coached to say "that nasty bayleef kept touching me on my winkie..." Threatening to assault kids is never the way to calm a situation down!

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Reading the article it would appear that he was only given 14 months for the knife threat-the rest of the five years was for other offences . I

don't know if the guy was a thoroughly bad lot before he got into debt or whether the desperation of his plight drove him to break the law.

 

The prison sentence is for various different criminal acts.

 

It is noteworthy the he also failed to attend court when ordered to and the police issued a public notice and mug shot on their website appealing for people to contact them if they knew the defendant. Once again, there is more behind this story than meets the eye.

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