Jump to content


  • Tweets

  • Posts

    • Amex as with any creditor must help you the FOS should go with you and make them remove all interest charged from the very 1st time of asking for help. the FCA regulations actually almost dictate it, they most certainly clearly state that if the are FCA registered they must help.   it's very telling they have no marked your credit file....almost as if they know they are wrong. it's also telling that an irresponsible lending complaint might well be in order hear too, they can just keep upping the credit limit without checking you can pay. and ofcourse covid plays its part here and they've already admitted as they allowed payments holidays until october in line with the rest of the industry and they should be continuing that. you problem is you keep using the phone, no paperwork no record of things discussed. i'd get an SAR off to them. and get the comms/account log and all the statements from day one and go nail them.
    • Hello CAG, Bit of a long post, may want to get a cuppa before starting reading... 😁   after being a lurker for many years and trying never to get into a mess with credit cards like i did 20 years ago, i've got myself into a mess with Amex... I've tried being open and honest with them, but now getting the feeling they are messing me around.    Its not a chargecard, but a Nectar Credit Card with them. TAKEN out 2016. Balance is just under £15k as of today, was almost at £17k.  Debt still owed by Amex, not been sent to NCO/Arrow etc - YET...    Background (short version): Was all fine with more than min. payment (£500 or so), being made until April 2020 when a number of things reduced my monthly salary from work (mainly, take a pay cut or be made redundant), so I soon quickly realised i needed to tighten my belt quickly. Phoned Amex, advisor said nothing they could do except Payment Holiday. Was put onto that for 3 months, told that Amex will be in touch at the end to restart payments. I asked about interest being stopped/frozen/reduced - not possible. So agreed to payment holiday to give me breathing space. 3 months came and went, no contact from Amex... No payments made, interest still racking up at around £300 a month...    Rang Amex back (July 2020), we cant do anything today because your in the middle of the statement cycle call back next week. Called back week after, no solution yet (i asked about things i seen on Amex US website = Regain program - basically freeze card, lower interest rate and pay a set amount for 12 months - more about this later) > Not available in UK yet.   Want to stay on payment holiday Mister B? I asked if there was any way interest could be stopped as this is making the balance increase and increase. No. Do you want to stay on Payment Holiday? Ok. (Bear in mind, if i came off Payment holiday. Minimum Payment was around £570 per month.  So, stayed on payment holiday... Didnt hear anything from Amex again. Called back up in September 2020. Please call back in October after 10th and we can assist.   Called back after October 10, went through loads of stuff, different options etc, was warned that Payment Holiday might not be extended much longer, but now have a program. Worked out with Amex woman that i could pay around £200 per month. But please stop interest - no we cant but we can reduce this down to 9.9APR instead of 23%... . Amex woman said she needed to submit details to 'Seniors' at Amex, please call back next week for update.   Called back week after, advised that first Amex woman was wrong and had made mistakes, shouldn't have told me what she had told me, £200 is too low, minimum would be £389 per month for 12 months or account will default. Told Amex woman 2 that couldn't afford it, went through this last time, etc etc. Amex woman 2 went off, came back, £329.74 is minimum they can possibly accept, 12 months at that amount per month and interest would be lowered, but not stopped. If you dont take out this 'Program' then account will default and will be passed to NCO or Arrow (I hate them both).  Went off, tried to get loans etc, all refused. Rang Amex back, reluctantly agreed so i can keep credit rating at 'good'.  So, been paying since Nov 2021 @ £329.74.    Letter arrived in December - due to out mess up with moving accounts around whilst on payment holiday, we are going to give you £3074 back. Logged into account, only £30.74 refunded, not £3074. Phoned Amex cos thought it was a joke/mistake - Spoke to some bloke - Oh dont worry, the rest will be applied to account automatically in 7 days. he advised was genuine but then got cut off during call. Called back, spoke to some other bloke, yes, looks genuine but please hold... Came back 10 minutes later. Oh, its a mis-print, you are not the only customer to receive one of these. Each should have been £30.74 not £3074. Me = Gutted.    Wrote a letter to Amex saying how dissatisfied i was with general customer service and felt they were incompetent, blah blah etc. Final response received, Complaint partially upheld, heres £150 credit because we were a bit silly, but thats it. IF your still not happy, go to FOS. Opened a case with FOS... Have sent them the complaint letter to them and have had a call from them about this... FOS are backlogged though and will take another 3 months for complaint to be looked at by them.   Let me make this 100% clear, fully admit to owning the debt, yep, ive spent this money (wish I knew what on, cos having got much to show from it - just general stuff and holidays)... Not trying to shirk out of it, trying my best to keep up with re-payments but im really struggling. After I got paid on 1st April, after paying all outgoings i had £9.83 left in current account so am having to go into overdraft each month which is just a vicious circle.  I would really like to NOT have to down the default route and trash my credit rating and then have to deal with the morons at NCO / Arrow etc.    Meanwhile, this is where I need the advice of the CAG experts... - Credit Limit increases... These were coming every few months and it was just being upped and upped and upped. Credit limit eventually was stopped at £15,400. Some of the increases I never even received letter for, just noticed when I logged into account. >>>> Would this be a case for irresponsible lending?   - Stopping interest - I've read something on FCA site that they recommend (not policy) that if a customer is put onto a payment holiday then they recommend freezing interest for customer so the debt doesn't continue to build. I've asked time and time again, Amex just refuse.  >>>> Any tips on how to get Amex to play ball?    - Full & Final/Short settlement I've rung Amex today, told them I might be able to pay it off. Initially they said full balance, i then pushed, they then said they would accept 80% of balance, pushed them a bit more, got it down to 70%. >>> Surprised, and then very surprised they would accept 70%, anyone else think this is a bit odd? Normally they wont budge, or they wont budge from their first offer... Could their be something wrong on account (missing CCA etc?), or do they want rid of me and account as much as I do with them?   - Cant really keep going at these £329.74 repayments. Something is going to have to give somewhere. I believe they wont go any lower and they will just default it i send £100 instead of £329 and send it out to NCO/Arrow. This might not be a too bad thing though because this would stop the interest right? Anyone thoughts on this?    Anyone think of anything else I could try with them? Again, its still with Amex, not defaulted or anything yet, yep, its all my own fault, i've spent the money, dont deny that, just feel Amex have took advantage etc.   Many thanks for reading. Any advice is greatly appreciated.   Kr, Mista B.     
    • Ok so we have complained to HMRC but were still no further forward with getting the P45/P60. We need this as DVLA has said they need more proof of who he is before giving him a provisional license.  What more can l do. 
    • Hi All   just looking for some advice. I bought a used Porsche Boxster from one of Marshall motor group’s Audi dealers (can I name them?) recently and was assured that it received a major service in October 2020 in line with the manufacturers requirements. The service book confirms this. The dealer also told me on the phone that they have a 6 month rule with any mot or service being done if due within this period which assured me when making an offer over the phone on the car that it wouldn’t need anything doing for a while as I recall saying that.   However, digging through the receipts post delivery I saw that the service was in fact minor and after calling the specialist who serviced it in Oct both they (Sheepishly) and the invoice confirmed that the car did not receive new spark plugs, an air filter, brake fluid replacement or a new fan belt which have now all fallen due and hence the major service due warning light. Had I not investigated this then the car would have potentially gone another 4 years, so 8 in total without some of these items being done.   i emailed the salesman to ask what they would propose to do. The matter is complicated by my living 450 miles away in Scotland, and 200 from their nearest branch, a Mercedes dealer in the Lake District, so I suggested getting my cheapest local specialist to do the works that have fallen due, however I have received no response.   Whilst I am still within my 30 days i don’t want to reject the car, which is otherwise perfect, but the fact remains that the Audi 150 point check only asks for upcoming mot’s to be checked and not services and surely you wouldn’t buy an approved used car and expect to have the service light come on 2 weeks later and have to spend almost £500 putting it right.   i would really appreciate some advice on next steps and perhaps who to escalate this to. Meantime the car is booked in for 2 weeks time to get the work done at the cheapest reputable place I could find.   Many, many thanks in advance
  • Recommended Topics

  • Our picks

    • Ebay Packlink and Hermes - destroyed item as it was "damaged". https://www.consumeractiongroup.co.uk/topic/430396-ebay-packlink-and-hermes-destroyed-item-as-it-was-damaged/&do=findComment&comment=5087347
      • 32 replies
    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
        • Haha
        • Like
    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
  • Recommended Topics

  • Recommended Topics

DCBL (Direct Collections Bailiffs Ltd) enforcing debts without warrants...what to look out for.


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 1648 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Given the seriousness of this thread, it really does need to get wide coverage. Accordingly, I would hope that the moderators allow it to remain on this section of the forum.

 

Sadly, this is not the first time that I have taken issue with documentation from DCBL. There is a long thread on here regarding this firm and their letters regarding private parking debts (more later). This firm are also behind the TV series....Can't Pay...We Will Take it Away.

 

Yesterday, I was contacted by a gentleman who had received a letter from DCBL the previous day. The letter was received by post and was on headed notepaper from DCBL and clearly stated at the top of the letter (beside the word DCBL) the words: Certificated Bailiffs and High Court Enforcement Officers.

 

The letter referred to a 'debt' in excess of £10,000. Interest of 8% (since May 2016) had also been added.

 

The letter stated the following:

 

 

Unless we receive immediate proposals from you regarding the repayment of this debt, the recovery process will commence 7 days from the date of this letter.

 

We may also make arrangements for a representative to call upon you to open up lines of communication.

 

The person receiving the letter knew about the 'debt' and knew that it was heavily disputed. More importantly, he was adamant that court proceedings had not been undertaken against him and that a judgment had not been obtained. He intended writing to DCBL. Before being able to, he had a visit at his home from a High Court Enforcement Agent from DCBL.

 

It is fair and accurate to state that an argument broke out. The 'debtor' called the police. Astonishingly, the police refused to attend stating that they were satisfied that DCBL had authority to attend his premises to enforce the debt.

 

The High Court Enforcement Agent from DCBL refused to leave the premises unless he received payment. Under duress, the debtor borrowed a sum of £2,000.

 

DCBL yesterday confirmed the following:

 

That the debt had not been subject to court action.

 

That a judgment had not been obtained by the creditor.

 

That they were enforcing a 'pre judgment' debt.

 

That the 'High Court Enforcement Officer' was attending as a 'Debt Collector'

 

Members of the public receiving letters such as these will no doubt be hoodwinked into believing that the debt was legally due and that a court order exists. They would be wrong.

Link to post
Share on other sites

same stunt as what Philips used to put years ago on DVLA 'debts'

insinuating [or leading the debtor on to believe] they have bailiff powers when they are infact only operating as a powerless DCA.

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

The 'High Court Enforcement Officer' was at the debtors' premises for three hours. He stated that if he did not receive full payment, that he would return after 5 pm and that he would have a film crew with him. Presumably, this 'film crew' would be from the makers of the TV series...'Can't Pay...We Will Take It Away'.

Link to post
Share on other sites
same stunt as what Philips used to put years ago on DVLA 'debts'

insinuating [or leading the debtor on to believe] they have bailiff powers when they are infact only operating as a powerless DCA.

 

I seem to remember though that Philips (who are no longer around) sent their letters from their debt recovery arm of the business.

 

Of serious concern with DCBL is that in the case yesterday....they were attempting to also charge 8% interest.

Link to post
Share on other sites

but return after 5pm to do what?

 

which ofcourse a doorstep DCA can do unless told otherwise by the property owner.

 

I wonder if DCBL actually ever said they were their as an HCEO bet they didn't

but the debtor 'assumed' they were with such powers

 

what is the debt you haven't stated.

 

as for Philips [now collectica] the early letters were the same letterhead as the bailiff division until they changed them.

I seen to remember the authorities had a hand in forcing that one?

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

DCBL are hoping no one will challenge their shenanigans.

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
but return after 5pm to do what? which of course a doorstep DCA can do unless told otherwise by the property owner.

 

I wonder if DCBL actually ever said they were their as an HCEO bet they didn't but the debtor 'assumed' they were with such powers

 

what is the debt you haven't stated.

 

The Officer advised that unless full payment was made that he would be returning after 5pm with a film crew. This was a clear enough reference to the TV series, 'Can't Pay We Will Take It Away' , which again, is a clear enough indication that if the individual were not to pay by 5pm, that his goods would be taken away !!

 

You have correctly stated DX that as a Debt Collector, the officer could return UNLESS told otherwise. In this particular case, it was made very clear to the enforcement agent that the debtor did not want him at his property and the police were even called. The officer refused to leave and remained at the property for three hours!!! He only left when a payment was made to him.

 

In this particular case, the letter that arrived the day before the visit clearly states DCBL Certificated Bailiffs and High Court Enforcement Officers. The officer was dressed in the same way as the officers in the TV series, (i.e. closely resembling a Police Officer).

 

The debt being enforced was not one that was covered by the CCA.

Link to post
Share on other sites

Sounds like an illegal act and they would have had no protections as an enforcement officer, if the householders used reasonable force to remove them.

 

Under section 40 administration of justice act, it is an offence to pretend to be exercising powers given by a court.

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

Link to post
Share on other sites

but did they UB?

 

how about requesting the body cam footage?

 

prove they used the word bailiffs and that they said they could take goods etc etc

 

sorry but it sounds like to me he let himself get 'had'

and they let him think they were operating a bailiffs - not simply a DCA.

 

so what ...

returning with a TV crew

- doesn't prove they were acting as bailiffs.

- doesn't prove they could take goods.

 

The officer refused to leave and remained at the property for three hours!!! He only left when a payment was made to him.

- - doesn't prove they were acting as bailiffs. simply that the police got spoofed too

 

neither does the letter.

 

clever ploys?.

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

wonder how he paid..debit card..chargeback...that should put the cat amongst the pigeons...?

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
Given the seriousness of this thread, it really does need to get wide coverage. Accordingly, I would hope that the moderators allow it to remain on this section of the forum.

 

Yesterday, I was contacted by a gentleman who had received a letter from DCBL the previous day.........

 

What did you advise them?

 

If this is sufficiently serious to warrant a thread of its own, debtors should know exactly what they should do in the situation.

Link to post
Share on other sites

Did the DCBL 'bailliff' tell the police he was acting as a debt collector or bailiff ?

Your gentleman may be able to make a complaint to the police either way.

If the police were lied to, they may want to take action against DCBL, if not then you should complain to the police/ipcc for giving out incorrect legal info and causing a financial loss. Also get the police to recover the money paid.

Link to post
Share on other sites
Payment was made by debit card unfortunately. I will be able to post more over the next few days.

 

 

then do a chargeback

if they def were not legally operating as a bailiff.

and said and wrote down we are here as bailiffs then its fraud

 

 

go do a chargeback

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
then do a chargeback

if they def were not legally operating as a bailiff.

and said and wrote down we are here as bailiffs then its fraud

 

 

go do a chargeback

 

That would seem the obvious route, and it's what was going through my mind when I asked BA what she had advised. I imagine it may have gone further if the misrepresentation was to that extent. It's odd to start a thread, but then fail to furnish us with the details until 'a few days time.' Not overly helpful to others who may be facing this position.

 

Let's see what happens in a few days.

Link to post
Share on other sites

This kind of misrepresentation is essentially a matter for the FCA and their license to act as a debt collector. The misrepresentation of power is something they seem to thrive on no matter what they are acting under.

Link to post
Share on other sites
This kind of misrepresentation is essentially a matter for the FCA and their license to act as a debt collector. The misrepresentation of power is something they seem to thrive on no matter what they are acting under.

And by doing so undermine Enforcement as a method of collecting debt in the public eye, as they fit the description of rogues as surely as Clair Sandbrook's rottweiler Boast did.

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
And by doing so undermine Enforcement as a method of collecting debt in the public eye, as they fit the description of rogues as surely as Clair Sandbrook's rottweiler Boast did.

 

I think you'll find that Boast was working for Julie Green-Jones at Rossendales.

Link to post
Share on other sites
I think you'll find that Boast was working for Julie Green-Jones at Rossendales.

Oops of course HCEOs I was confusing the Sandbrook link to DCBL with JGJ of Rossers. mind you the comparison with Boast is still valid, similar MO of bluff and no legal basis for actions.

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
This kind of misrepresentation is essentially a matter for the FCA and their license to act as a debt collector. The misrepresentation of power is something they seem to thrive on no matter what they are acting under.

 

Your input has been most helpful.

 

As I mentioned on Saturday, this incident only happened on Friday and given that we have had the weekend in between, it has not been possible to make too many enquiries. The most important task has been to write to the bank and a complaint to the FCA will naturally follow very swiftly.

 

Over the next few days I would hope to be able to put together a 'check list' for anyone else receiving such a letter and guidance on what an 'enforcement agent' can and cannot when visiting a property in connection with a 'pre judgment' debt.

Link to post
Share on other sites
No problem. For info, when applying for an FCA license to carry out debt collection activities they will have had to supply sample letters. I would suggest the letters being used are not those that were provided to the FCA.

They wouldn't dare supply the ones they sent out in the case highlighted by BA, so perhaps they should be forwarded with debtor info redacted.

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

This raises 2 heads.

 

Firstly as mentioned the FCA

 

Secondly involve the new Justice Secretary, as I doubt theDCBL authorised HCEO has a clue or even cares.

Please consider making a small donation to help keep this site running

 

[sIGPIC][/sIGPIC]

 

Link to post
Share on other sites
This raises 2 heads.

 

Firstly as mentioned the FCA

 

Secondly involve the new Justice Secretary, as I doubt theDCBL authorised HCEO has a clue or even cares.

Perhaps she could be extradited back to the UK to answer questions regarding due diligence and supervision of the DCBL minions if the FCA,and Justice Secretary grasp the seriousness of the DCBL shenanigans.

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
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...