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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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Lowell claimform - old Very Shop Direct CAT 'debt'


JackF
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Did you register as an individual user first and get the long number?

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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So, I recalled them just now, and they sent me an acknowledgement email is this what I needed previously?

 

 

"In the subject heading of your email you must type the words Acknowledgement of service and your Claim number.

 

In the body of the email please confirm your name and address then state which of the following options you are requesting.

 

1. I intend to defend all of this claim

 

2. I intend to defend part of this claim

 

3. I intend to contest jurisdiction

 

Please also type your name (this is classed as an electronic signature) and date the document at the bottom of the page.

 

Regards,"

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1. I intend to defend all of this claim

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

If you want advice on your Topic please PM me a link to your thread

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Re read your thread

Its all here already

 

Post 7

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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hey don't waste too much time

you only have 19 days to ack the claim!!

and a total of 33 days to file a defence!!

 

that link is not that important for the minute

 

but getting the claim ack'd and sending CCA/CPR IS!!

 

forget the paper claimform, you don't need to do anything wit that...

 

look at it

goto the mcol website

 

register

and the select the AOS box

[acknowledge the claim]

defend all

leave jurisdiction unticked

click thru to the end and confirm.

 

get a CCA request running to the claimant

and

get a CPR 31:14 running to the solicitors

 

ideally you should so those three things done TOMORROW!!

 

just click the black links for the CCA/CPR

 

DONT sign either of the two letters

leave the £1PO BLANK and uncrossed.

 

 

if you don't then you risk getting a CCJ by default...

 

Do I need to get a solicitor? Sorry if I ask stupid questions, but I don't know anything when it comes to court/law guidance. I'll get the CCA request letter printed on Monday and get that sent.

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no you don't need a sols

waste of money

 

shame you cant get that CCA AND THE CPR sent sooner

 

you need that info ideally to file your defence!!

 

what date in on the top right of the claimform top right

 

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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who are the solicitors probably Lowell solicitor ?

 

look on the claimform it tells you

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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Share on other sites

whats the date top right on the claimform please too

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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Share on other sites

whats the date top right on the claimform please too

dx

 

Date is 09 of Nov, and the claimant is Lowell. But then who do I send the CCA, I thought the CCA was meant to be sent to Lowell.

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i would suspect the named claimant [top left] is lowells

and the solicitors listed bottom left are Lowell solicitors.

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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Link to the letter here

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?387435-CCA-Request-Consumer-Credit-Act-1974-**Updated-January-2015**

 

You need to send it to Lowell finance with a £1 postal order. When you send the letter at the Post office, get proof of posting.

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

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Link to the letter here

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?387435-CCA-Request-Consumer-Credit-Act-1974-**Updated-January-2015**

 

You need to send it to Lowell finance with a £1 postal order. When you send the letter at the Post office, get proof of posting.

 

I expect you to comply fully and properly with this request, within the statutory time limit. You are reminded that should you fail to comply with my request; the provisions of s.77(4)a/78(6)a/79(3)a(delete as appropriate) will apply. I'm a little bit confused, on which bit too clear with this section. If you could aid me that'd be great.

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details are already in the post 7 from the 14th

 

 

defence is due by 4pm dec 9th you seriously need to get moving.

else you'll get a CCj by default.

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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Share on other sites

I expect you to comply fully and properly with this request, within the statutory time limit. You are reminded that should you fail to comply with my request; the provisions of s.77(4)a/78(6)a/79(3)a(delete as appropriate) will apply. I'm a little bit confused, on which bit too clear with this section. If you could aid me that'd be great.

 

 

read ALL the posts in the 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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Share on other sites

I expect you to comply fully and properly with this request, within the statutory time limit. You are reminded that should you fail to comply with my request; the provisions of s.77(4)a/78(6)a/79(3)a(delete as appropriate) will apply. I'm a little bit confused, on which bit too clear with this section. If you could aid me that'd be great.

 

 

I am really confused on which one to keep on and from which section so please if you could just adjust the text to my preference that'd be great. As I am not so sure what to remove in terms of letters/et...

So if you could please help me in this regard, that'd be great. Thank you.

 

 

"s.77(4)a/78(6)a/79(3)a"

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read ALL the posts in the CCA request

 

I have already started filling out the CCA request, however I asked if this section below is what I needed and which bit do I need to keep.

 

 

"I expect you to comply fully and properly with this request, within the statutory time limit. You are reminded that should you fail to comply with my request; the provisions of s.77(4)a/78(6)a/79(3)a(delete as appropriate) will apply." I mean I would assume it's section 78 as it'

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Yes just leave in s.78

 

Sorry but just one more question in regards to the CCA letter, There's actually an account reference number, but unfortunately I haven't been given any form of reference other then the claim number, so if I put the claim number should that be fine or should I be looking for a difference reference entirely?

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Is there a number in the POC box

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

Is there a number in the POC box

 

Right underneath the box for claimant, there's a another box containing the solicitors address, and underneath that they have a number for their place I assume, and under that there's a bunch of numbers is that the one you speak of, other then that there's nothing on the letter stating any reference.

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