Jump to content


  • Tweets

  • Posts

    • god they've got at you haven't they. told you all the usual utter BS. a CCJ vanishes from your credit file on it's 6th B'Day regardless to being paid off or not or paying or not. same with any debt with a registered defaulted date - it vanishes from your file on the DN's 6th B'day regardless. creditfix are Knightsbridge, (they renamed) there are 100's of threads here on Knightsbridge, if i remember rightly 2 of the directors of a certain very big IVA provider were struck off for embezzling £1m's out of debtors. pers i'd stop paying now.  end of . just ignore them all. 99% of your debts are to utterly powerless DCA's and probably were never owed in the first place only goes to firm up my belief from post one..you got had blind. its very easy to deal with the debts even those with CCJ's. can you copy and paste what you credit file says regarding the IVA please?   
    • The airline says it is investigating reports that customers can view other passengers' personal information.View the full article
    • They are finding new ways to cut back on household spending as China’s economy loses steam.View the full article
    • Sorry I meant credit fix - I really wish I'd known this before - kicking myself right now  If they come back to me asking for more money I'll cancel it and start trying to deal with the debt myself let's see what they say  Feeling tempted to cancel it now but scared that some of the debts will do more CCJ's on me and I'll have to wait 6 years again.  2 of the CCJ come of this year and then I'll only have the iva in credit file - effectively if I'd have not took out the iva in 2021 I'd have clear score by now - but then again would I because I would have been hounded the last 3 years, as bad as it is it's saves me lots of headaches whilst my debt was still within the 6 year mark.  I think most of them are near there but in all honesty no point chasing them if I do cancel iva I'd jjst wait for the ones who contact me and then start the relevant letter process on them.  Of over 6 years easy if not still possible to write off. My true victory would be having the iva wiped off my credit file as mis sold or something that way I Don't have to wait till 2027 Other option is to fight back and ask for them to offer the creditors to accept payments so far and use the following method    Will your IVA firm agree to complete your IVA on the basic of funds paid to date? The Guidance lists a lot of factors to be considered in deciding whether a settlement on the basis of funds paid to date should be proposed. You should read the list. But that may not give you any feel for whether they apply to you or not. The following are my thoughts on when an IVA should be treated as settled, not failed. They assume that you have £75 or less to pay a month: if you would currently qualify for a Debt Relief Order, then your IVA should be settled now  There is no point in making your IVA fail and you have to apply for a DRO – it will not generate another penny for your creditors. If you are renting and owe less than £50,000, check the DRO criteria now and talk to National Debtline on 0808 808 4000 about whether you qualify. You may have been told at the start of your IVA that you aren’t eligible – still check now as the DRO criteria have changed, your situation has got worse, and some people were given incorrect information about DROs at the start. if you have no assets that would be realised in bankruptcy (eg a house with equity, car worth over £2000), then your IVA should be settled now Same as (1), there is no point in making you apply for bankruptcy after your IVA fails. if your only asset is a car that is worth less than £8000, then your IVA should be settled now A car that is worth say £5000 would normally be sold in bankruptcy and you would be given a small amount to buy a cheaper car. But your creditors would not get any benefit from this as the Insolvency Service takes the first £8000 raised to cover its own costs. if you have significant assets, the closer you are to the end of the IVA, the less reasonable it is to fail it If you have been paying your IVA for 4 years, you have done your best over a long period. It isn’t your fault you can no longer continue. The fact you may have had equity to release isn’t relevant as that simply isn’t going to be possible. if your situation will clearly improve soon, then it’s unlikely your IVA will be settled I mean real improvements, not hoping that prices fall. If I can get them to accept payment to date or threaten with cancellation hopefully they may accept it -  Other option is to try and borrow money and pay make a full and final offer  Or I can just ignore and hope for the best which I'm very tempted to do especially if they respond to my review with bullying tactics despite me being skint as a fart with no mortgage as renting  It's so stressful but I've just checked the iva agreement from 2021 and it's Cabot 2 accounts Lowell about 5 accounts and then lots of repeats of the same debt with for example zopa and Cabot same amount listed twice -  also loyyds banks but I'm sure that's older than 6 years and not on credit file anyway  If I can somehow remove the iva from my credit file I'd be happy 
    • India has one of the world's fastest growing economies but the benefits are yet to fully reach the poorest.View the full article
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

bailiffs and sheriffs


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 1879 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

  • Replies 579
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Well you certainly found out a lot of information last night.

 

I intend to spend today trying to find out what I can about harrassment laws.

 

 

It looks like Jacobs has been douing this for quite a while and getting away with it.

 

 

If my hunch is right the bailliff who came yesterday is not even a certified bailliff if that is the case Jacobs and the council are in hot water.

 

I agree with what Seylectric says we need to get this right and get our facts together one slip up can spoil it for everybody.

 

They have got away with it for too long and need to be stopped.

 

Also the signiture on the bottom of the letter I got is very iffy, I wonder why

Link to post
Share on other sites

If you look carefully at the letter, the signiture is obviously pasted and not an originall signiture I wonder why? Anybody any ideas.

 

PC

 

I would say because it is not him!! I think you will find that Daniel Broughton may be an officer/agent with Jacobs that does hold some sort of legal or qualification, weheas the thug that came to see you may not and has to sign off as Daniel Broughton to be able to at least threaten.

 

I am not 100% sure about this but it would explain why a signature has been copied/pasted on to a pre-printed form. If you could prove this there may be a way which you could get back at them over this point alone. eg forging signatures and qualifications with the intent on extracting money/fees etc from a third party, may even be seen as fraud??

 

Needs more research as Seylectric says, also what I am doing at the moment with my case against Philips, there are some very grey areas in how these people work but there are more and more things coming to light every week with which we can fight them with.

 

Chris

Chrismc v Vertex Data Science Ltd

SD Set Aside WON + Costs

 

 

Chrismc v Barclays

Won - Settlement Agreed at 11th Hour.

 

Philips Bailiffs

Lost - Judge changed at last minute, it didn't help!

 

G-MAC Early Redemption Charges Waived

Won - Early Redemtion Fees Waived in Full.

Link to post
Share on other sites

PC

 

the other thing they have done wrong here, is they have not provided you with a breakdown of their fees with this request which they are supposed to do. They just ask for a lump sum, nothing else.

 

Just a bit more ammo for you.

 

Chris

Chrismc v Vertex Data Science Ltd

SD Set Aside WON + Costs

 

 

Chrismc v Barclays

Won - Settlement Agreed at 11th Hour.

 

Philips Bailiffs

Lost - Judge changed at last minute, it didn't help!

 

G-MAC Early Redemption Charges Waived

Won - Early Redemtion Fees Waived in Full.

Link to post
Share on other sites

Now we have so called Daniels mobile number should we all start making prank or threatening calls to him, wind him up something rotten. :D:D Give him some of his own medicine. :D:D

Chrismc v Vertex Data Science Ltd

SD Set Aside WON + Costs

 

 

Chrismc v Barclays

Won - Settlement Agreed at 11th Hour.

 

Philips Bailiffs

Lost - Judge changed at last minute, it didn't help!

 

G-MAC Early Redemption Charges Waived

Won - Early Redemtion Fees Waived in Full.

Link to post
Share on other sites

Just had a visit from a firm called Drakes at 6.50 this morning re parking fine.

Told him to do one basically and he claimed he had right to force entry. I thought this was not the case.

National Debtline site seems to indicate for unpaid fine it is with effect from July 2005.

Any advice please

Link to post
Share on other sites

Right Mazoo,

 

I am almost certain he cannott force his way in only HM taxes are allowed to do this.

 

Secondly I am sure he called in what is called unsocial hours.

 

If I were you I would refuse to let him in do not answer the door to him if he comes back I will try and find out more.

 

The important thing is do not panic, I know its hard not to but hang on in there I will do my best to find out what I can for you.

Link to post
Share on other sites

Now we have so called Daniels mobile number should we all start making prank or threatening calls to him, wind him up something rotten. :D:D Give him some of his own medicine. :D:D

 

Just what I was thinking myself..........at 2.00am this morning

 

 

:razz:

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

Link to post
Share on other sites

Mazoo,

 

I am almost certain now they have no right to get in your home unless you invite them in So dont and dont sighn anything at all

Will get back as soon as I can.

 

 

Martin and Chris Shame on you for hassling a poor guy trying to earn a crust.

 

Quite a nice crust judging by the car he drives.

Link to post
Share on other sites

As far as I can see looking at some info the only baliffs that can force entry is those acting for customs and ex and inland revenue...and even then they have to get a warrant.

 

Its more likely that you would be arrested by a court appointed fines officer for non payment......its pretty common for them to send out notices that faliure to pay would lead to this.

You would have to surrender to the warrants office at the police station or court and be bailed to a future date to allow for a hearing.

Thats if a warrant has been issued.

Where I live that seems to be the process for non payment of fines.

The baliffs at our local court office do have powers of arrest,but as far as I know they cant break in to your house.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

Link to post
Share on other sites

Just what I have found out Martin so Mazoo dont worry he is bluffing you.

 

I can only repeat myself again.

 

 

DO NOT UNDER ANY CIRCUMSTANCES LET HIM IN YOUR HOME.

 

DO NOT SIGHN ANYTHING

 

IF YOU HAVE A CAR MOVE IT FOR A FEW DAYS

 

I know it is hard but keep your cool (very hard at the moment)

 

I am sure you will be OK Please come back and let us know how you get on.

Link to post
Share on other sites

I have been trying to find out if this guy is a genuine bailliff.

 

I have been on to the local court they only keep records of there own bailiffs, the same with Manchester.

 

Has anybody any ideas were I try next.

 

Who gives them there certificates?

Link to post
Share on other sites

ESA | Member Directory

 

 

Looks like this is their adffiliated trade body.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

Link to post
Share on other sites

Yep an interesting link if you click on members you can see Jacobs is on there.

 

Now usually these bodies exist not only to protect the interests of its members,but also to oversee high standards and codes of practice are encouraged.

 

Worth reading to see if they have a mission statement etc as it looks like one place to start and make a few complaints.

 

After all whats the point of being accredited to a body that has no standards in place or a means to answer unprof conduct ?????

 

 

;)

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

Link to post
Share on other sites

but whats this all about then .............

 

 

 

complaints.gif

Although the Association is not primarily a forum for resolving disputes it is concerned about the reputation of its members and the industry in general and investigates complaints under its disciplinary procedure

 

How to Complain

Complaints should be made on the Association’s complaint form which can be obtained from The Executive Director, Enforcement Services Association, Park House, 10 Park Street, Bristol BS1 5HX Tel: 0117 907 4771. Or you may download a copy in PDF on link below:

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

Link to post
Share on other sites

Chris.............just look at their codes of practice

 

They lay down very clear points on which its members should be seen to observe.

 

 

Including giving an itemised list of charges of a visit.....something I know you are always mentioning as it rarely gets done.

 

I think this organisation is deffo worth firing off some complaints to.

 

Reading more intently with great interest.

 

These are codes of practice that THEY THEMSELVES have laid down.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

Link to post
Share on other sites

Right then heres another

 

Members will co-operate with and submit to the Association’s disciplinary procedure (including recourse to independent adjudication). Members will, on request, provide any person or organisation with the name, address and the telephone number of the Association in order to make a complaint or for any other reason.

 

 

So when Mr.Baldy comes round next time ask him for the name address and telephone number of the baliffs assoc that Jacobs are accredited to.

 

It is one of their codes of practice that they follow your request.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

Link to post
Share on other sites

Different bailiffs have differing powers to collect debts. However, there are certain rules that apply to all bailiffs. Unless stated otherwise, the information in this leaflet applies to any bailiff.

Can anyone be a bailiff?

Yes, providing they have legal authority to carry out their actions. Some creditors prefer to use certificated bailiffs to collect their debts. ''Certificated'' means that the firm of bailiffs has provided references to the county court and the bailiffs they employ are considered to be 'fit and proper' persons. Bailiffs collecting rent arrears and road traffic penalties must be certificated. It is worth remembering that both men and women can be bailiffs!

gray-line.gif

What 'legal authority' must a bailiff have?

A bailiff must be legally authorised to collect the debt on behalf of the creditor. The authority is normally known as a 'warrant', or 'warrant of execution' if the bailiff is recovering money owed under a county court judgment.

Bailiffs used by the magistrates court to collect unpaid council tax, outstanding fines, compensation or unpaid maintenance will be acting on either a 'distress warrant' or a 'liability order' issued by the magistrates court.

 

 

 

In that case it dont nec mean that they have to have any special credentials or prof qualifications.

 

The baliff firm itself is certificated by the court as opposed to the individual baliff.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

Link to post
Share on other sites

Chris.............just look at their codes of practice

 

They lay down very clear points on which its members should be seen to observe.

 

 

Including giving an itemised list of charges of a visit.....something I know you are always mentioning as it rarely gets done.

 

I think this organisation is deffo worth firing off some complaints to.

 

Reading more intently with great interest.

 

These are codes of practice that THEY THEMSELVES have laid down.

For anyone who is interested:

BAILIFFS PROCEDURES

 

If the bailiffs are distraining for poll tax or council tax, there are certain procedures that they have to follow. They must have with them:-

  • written authorisation from the council for them to call. They should show you this if you ask.

They must leave you a copy of:-

  • the law setting out their powers and what they can and cannot do. These are the "Enforcement Regulations".
  • the charges the bailiffs are allowed to make for each visit. You should check they have not added too much on to your debt.
  • any agreement you have actually signed. This will be called a "Walking Possession" agreement and includes a list of goods the bailiffs have warned you they may take

Also to make a complaint:-

 

HOW DO I COMPLAIN?

 

There are national standards for enforcement agents. These good practice guidelines set out general rules for how bailiffs should behave and what procedures they should follow. You can mention these standards in your complaint but the standards are not enforceable by law. Details of the standards they may be found on the Department for Constitutional Affairs website Department for Constitutional Affairs - Enforcement - National Standards for Enforcement Agents

Phone them for advice.

 

GET ADVICE FIRST, bailiffs law is very complex, and even if you think that what they have done is unfair, they may still be acting within the law.

  • From October 1998 bailiffs have to have a certificate granted by a court to collect council tax. A complaint from you can help get the certificate withdrawn. Ask your local county court if they have a form for making a complaint. If not, write in to the court manager with details. The court will hold a hearing and can cancel the bailiff's certificate, order compensation and order return of the goods. A bailiff can be fined for collecting without a certificate. However, even if the bailiff's certificate is cancelled, it continues to have effect for any previous possession agreement unless the judge orders otherwise.
  • You can complain to the magistrates' court, and there have been cases recently where the debt has, in effect, been written off when it has been proved that bailiffs have acted illegally. This is done by making a complaint and asking for a hearing. The court can order return of the goods or compensation.
  • You should complain to the council as the bailiffs are acting as their agent. They can ask the bailiffs to look at your complaint and change their procedures. If the council won't help you could talk to your local councillor who may be prepared to take your complaint up with the council.
  • You can ask the Local Government Ombudsman to look at your complaint if the council refuse to help you. The contact details are in "Useful Addresses".

You will notice if you read the letters I am sending to Philips that I state in all my letters at the bottom:-

 

and without further notice and in addition make a full complaint to the Association of Civil Enforcement Agencies and/or the Certificated Bailiffs Association and also set out my complaint on the bailiff complaints form which will be presented to the relevant County Court to which supplied your Bailiffs Certificate.

That is how you have to go about issuing a complaint. I think the only way is to complain to the courts, I doubt the ACEA will do anything afterall I bet they are paid by fees and subscriptions from the Bailiffs themselves.

 

Chris

Chrismc v Vertex Data Science Ltd

SD Set Aside WON + Costs

 

 

Chrismc v Barclays

Won - Settlement Agreed at 11th Hour.

 

Philips Bailiffs

Lost - Judge changed at last minute, it didn't help!

 

G-MAC Early Redemption Charges Waived

Won - Early Redemtion Fees Waived in Full.

Link to post
Share on other sites

gray-line.gif

What 'legal authority' must a bailiff have?

A bailiff must be legally authorised to collect the debt on behalf of the creditor. The authority is normally known as a 'warrant', or 'warrant of execution' if the bailiff is recovering money owed under a county court judgment.

Bailiffs used by the magistrates court to collect unpaid council tax, outstanding fines, compensation or unpaid maintenance will be acting on either a 'distress warrant' or a 'liability order' issued by the magistrates court.

 

 

 

In that case it dont nec mean that they have to have any special credentials or prof qualifications.

 

The baliff firm itself is certificated by the court as opposed to the individual baliff.

 

So as they are not heavily regulated the best course of action for a complaint is to the authority that awards them (the Company) their certificate. They are more likely to take notice of someone who could withdraw their certificate and therefore cut off their livelyhood than Joe Bloggs or even the Local Councils for that matter.

 

See my post above for instructions on how to do this and why I always state in my letters to them:-

 

"and without further notice and in addition make a full complaint to the Association of Civil Enforcement Agencies and/or the Certificated Bailiffs Association and also set out my complaint on the bailiff complaints form which will be presented to the relevant County Court to which supplied your Bailiffs Certificate."

 

Chris

Chrismc v Vertex Data Science Ltd

SD Set Aside WON + Costs

 

 

Chrismc v Barclays

Won - Settlement Agreed at 11th Hour.

 

Philips Bailiffs

Lost - Judge changed at last minute, it didn't help!

 

G-MAC Early Redemption Charges Waived

Won - Early Redemtion Fees Waived in Full.

Link to post
Share on other sites

If you look in the code of practice laid out by them in says,

 

No officer or firm shall make false representation of actions they are able to take.

That is an offence on its own so I have them on that point alone Goody Goody.

 

 

Aso something about only private members are allowed to use those letters after there names, that is something else.

Link to post
Share on other sites

If you look in the code of practice laid out by them in says,

 

No officer or firm shall make false representation of actions they are able to take.

That is an offence on its own so I have them on that point alone Goody Goody.

 

 

Aso something about only private members are allowed to use those letters after there names, that is something else.

PC

 

It is all well and good them having a CoP but who are this organisation, who funds them etc etc, if they are funded by Subscription charges or members fees then they won't want to upset the people who are paying their wages will they, that is why a lot of these so called Enforcement Associations are a waste of time to us.

 

I think the only real way is to go to the Authority that can revoke their licences The Courts.

Chrismc v Vertex Data Science Ltd

SD Set Aside WON + Costs

 

 

Chrismc v Barclays

Won - Settlement Agreed at 11th Hour.

 

Philips Bailiffs

Lost - Judge changed at last minute, it didn't help!

 

G-MAC Early Redemption Charges Waived

Won - Early Redemtion Fees Waived in Full.

Link to post
Share on other sites

style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 1879 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

Guest
This topic is now closed to further replies.
  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...