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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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arrows/restons claim form - old EGG loan 'debt'


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I have received a claim form from Restons / Arrow global dated 10th December.

 

Date of issue – top right hand corner of the claim form – this in order to establish the time line you need to adhere to.

 

The are claiming just short of £4000 for an old loan debt

 

The loan started in 2005 and should have completed in 2010. I was in a serious amount of difficulty in 2009.

 

I used the advice from another forum (cant recall which sorry) to send a number of template CCA request letters and the account has been in dispute without payments since June 2009.

 

I believe that I should send a CPR31.14. Also, I should acknowledge the claim online within 14 days and send a defence within 28 days.

 

It will be difficult for me to find the money quickly and hopefully the court date is later in the year to give me more time so I am very stressed right now.

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http://www.consumeractiongroup.co.uk/forum/showthread.php?419198-You-have-received-a-Claim-What-you-need-to-do.-**UPDATED-December-2014**(1-Viewing)-nbsp

 

Can you please provide answers to the questions asked in the link above - pop the answers back here in this thread.

 

Then we can advise further :)

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Thanks citizen, sorry I missed these. Appreciate any advice.

 

Issue date 10th December.

 

The claimant claims payment of the overdue balance due from the defendant under a contract between the defendant and Eggicon dataed on our about Dec 2005 and assigned to the Claimant on Jan xx 2013

 

PARTICULARS a/c xxxxxxxxx

 

Date 11/2015

Item Defaunlt Balance

Value 39xx.xx

Post refrl cr 0

TOTAL 39xx.xx

 

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.

No, i believe not.

Were you aware the account had been assigned – did you receive a Notice of Assignment?

No, I beleive that it was previosuly assigned to someone else but cannot locate the paperwork right now.

 

Did you receive a Default Notice from the original creditor?

I dont beleive so.

Dated April 2011 on my online credit file.

 

Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ?

I have recently received a notice in the last 6 months. I cannot locate any older notces.

 

Why did you cease payments?

I was in serious money trouble.

 

What was the date of your last payment?

June 2009

 

Was there a dispute with the original creditor that remains unresolved?

I did request copies of the origional agreement under the CCA act.

Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt managementicon plan?

No

Edited by BackintheBlack
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If your last payment was June 09, then you have a perfect defence, as it 'should' be statute barred. So they can't enforce and you owe nothing.

 

Check your credit file and see if this shows on there at all, although it isn't always an indication of the status of the account, but is a good indicator.

 

Who was the original creditor for the loan?

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Thank you Bazooka, the original lender was Egg. I have looked on my file using Noodle and can only see 3 years of non payments reported.

 

I am completely out of my depth here so appreciate any advice. This seems to be a waste of their time and money.

 

Should I request a CPR31.14 or is it best to submit a statute barred defence and leave it up to them to prove otherwise.

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Many thanks Backinthe black...I have updated your initial post with the particulars.

 

 

If you look at the following Notice this may provide in formation re the default dates and notices.

 

 

Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ?

I have recently received a notice in the last 6 months. I cannot locate any older notces.

 

Regards

 

Andy

We could do with some help from you.

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So we have ...What was the date of your last payment?

June 2009

 

Default placed on CRA file April 2011.

 

Of course that has no bearing on the date of the actual Default Notice...but gives you an idea of the time lag.... 17 months later (if issued after 3 missed payments)

We could do with some help from you.

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If the last payment was June 2009, then this is dead and buried. And it will be SB, so yes you can defend this on that basis, BUT check

your facts/documents/bank statements any correspondence you have regarding the account to make sure.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Well I would be submitting the statute barred defence...irrespective of the above...a debt becomes statute barred Under the Limitation Act 1980, which applies to England and Wales, a debt is considered to be statute barred when no payments have been made against it or where it has not been acknowledged* for six years.

 

* 5 in Scotland.

We could do with some help from you.

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  • 1 month later...

Good day and a belated best wishes for the new year. Thank you once again for the advice and support above.

 

I acknowledged the claim on the 16th and sent cpr requests to Restons and Arrow by recorded delivery, both signed for next day. I waited until the 11th and then submitted a defence which included statue barred and mentioned the spr request.

 

In the last week, I have received a letter last week from the court acknowledging my response and a copy of n434 form from restons who have resigned from the case.

 

I am unsure what to expect next as it seems to be a waste of time pursuing this in court but I head read on here that it is not unknown, in fact surprisingly common.

 

There are other debts which are now also owned by arrow and are close to also being statue barred but not yet. With this in mind, I feel it is best that I refrain from making any token full and final payments on this one.

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N434 is a change of Solicitor.....so as you state Restons have thrown in the towel...but the claim is still stayed pending any action from the newly appointed Solicitor.

 

Andy

We could do with some help from you.

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  • 3 weeks later...

Right then, first of all thanks once again for helping me make head and tail of all this.

 

Today I received a notice of proposed allocation to the small claims track I am required to complete a directions questionnaire within the next 2 weeks.

 

Is it appropriate to point out that this is statute barred?

 

 

Is mediation a waste of time?

 

As the cpr requests sent to Restons and Arrow have been ignored, I dont have a hell of a lot of information.

 

 

I have a photpcopy of the letters I sent in 2009 and I am trawling through my old bank statements to find the payments.

 

 

I also have the online credit report. Im unsure if there is a hell of a lot I can do about this?

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Right then, first of all thanks once again for helping me make head and tail of all this.

 

Today I received a notice of proposed allocation to the small claims track I am required to complete a directions questionnaire within the next 2 weeks.

 

Is it appropriate to point out that this is statute barred? yes

Is mediation a waste of time? no

As the cpr requests sent to Restons and Arrow have been ignored,

I dont have a hell of a lot of information.

 

I have a photpcopy of the letters I sent in 2009 and I am trawling through my old bank statements to find the payments.

 

I also have the online credit report. Im unsure if there is a hell of a lot I can do about this?

 

 

only use or refer to the documents they have or have not sent you

what you hold already is pretty much immaterial

its for them to prove it is NOT SB'd

NOT for YOu to prove it is

so. Failed CPR

failed CCA request

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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I only have a few days to fill this in and return it, failure to do so could result in a default judgement.

 

So to answer the questions on the form, I believe that I should:

 

Agree to refferal to mediaaition?

 

Not agree to allocation to small claims track as the account is SB and they have ignored my CPR request?

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Yes to mediation and yes to small claims track..the rest are just tick boxes which are self explanatory....send to the court ...copy to the claimants sols...job done.

 

Andy

We could do with some help from you.

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  • 1 month later...

Good day to you all.

 

I have received a notice this morning from the court. The claimant did not complete their allocation questionnaire on time and as such the claim has been struck out.

 

Is this a positive outcome for myself?

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yep you won!

 

 

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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Good day to you all.

 

I have received a notice this morning from the court. The claimant did not complete their allocation questionnaire on time and as such the claim has been struck out.

 

Is this a positive outcome for myself?

 

Excellent...does the order allow the claimant to set a side or vary ? usually within 7 days of the notice?

 

Andy

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

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