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bailiffs and sheriffs


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In such a complex area of law there is so much scope for confusion and misunderstanding.

 

A bailiff acting or attending an address under a valid warrant has lawful business and is entitled to enter the premises where:

a) s/he can do so peaceably;

b) with consent/ permission

 

All this 'foot in the door' nonsense that bailiffs try is neither peaceable or with permission and constitutes an unlawful entry and trespass, which renders their actions from that point onwards as being unlawful/ invalid and against which an action for trespass/ damages lies.

 

You may open the door to the bailiff and simply refuse to allow entry. Once a bailiff has entered peaceably (even if it is through an open door or with permission) the owner can still ask the bailiff to leave/ withdraw consent.

 

If the bailiff remains (as they frequently do on the mistaken belief that they have gained peaceable entry) then their continued presence is a trespass.

 

Permission can be withdrawn at any time up to levy. Once goods have been levied then the right to withdraw permission is lost.

 

Also...the issue of entry through a window is also not necessarily accurate. Historically, it has always been 'entry through the ordinary entry / access points.' Windows are not ordinary access points.

 

The only reason why bailiffs behave so aggressively is to use the element of surprise and menace which distracts people into doing something they may not have agreed to otherwise. Besides, how many people seek legal advice on the point and then pursue action?

 

************************************************************

 

Bailiffs acting on behalf of a Magistrate's court can force entry where peaceful entry has been refused or where you are not at home.

 

The right for a bailiff to force entry is in relation to criminal fines ONLY - not when the enforcement is a civil matter.

 

The actual legislation is contained within the Domestic Violence, Crime and Victims act 2004 which became law on 18 July 2005.

 

If you look at this part - Schedule 4, s3 (1) and (2) this is a somewhat obscure schedule, but with potentially devastating consequences.......

 

Entry to levy distress

3 (1) An authorised officer may enter and search any premises for the purpose of executing a warrant of distress issued under section 76 of this Act for default in paying a sum adjudged to be paid by a conviction.

(2) The power may be exercised only to the extent that it is reasonably required for that purpose.

..

.

 

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

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Yes, I pretty much agree with all of that, it's more or less what I outlined in my "don't let them in" post EXCEPT that I have read up about what they can and can't do many times, and time and time again I have come across I have read that they are legally entitled to enter via an open window.

 

It's the first time I have ever heard it said that they can't enter via a window, and I would be very wary of this, there seems to be plenty of legal speak around that says they can.

I only mouth my opinion, please look elsewhere for sensible advice! :)

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Very true

The sheer mention of that name balif frightens a lot of people to death.

 

Anyone who has had that experience of being afraid to open a window,and not opening the door to anyone will know the feelings.

 

I had a long period of only using my back door and the neigbours didnt see me for weeks.

Its like you shut yourself away.

I scoured all the sites on the internet but as much as I found positive info......theres plenty of negative stuff too

 

I think watching the programmes on tv (the balif series) probably spurred lots of people on to get their debts sorted.

 

When you hear them saying Iam only doing my job they expect you to be more understanding.

 

I think it takes a certain type of person to become a balif,one who delights in seeing misery and hardship.

 

I am not talking about scenarios where they are visiting mansions to impound luxury cars..........rather terraced houses where they will even take the kids playstation !!!:-x

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.

 

 

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Well I got "raided" by county court bailiffs once- through an open window. I eventually got my property back with all of the hassle you would expect from a state sponsored robbery.

 

I would be interested in clarifying the rules about window entry and, if this is not permitted, what remedies do I have after nearly three years. I would be delighted to go after them but I suspect that actually doing so is quite difficult.

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Well if its the case that they ARENT allowed to climb in through windows then its clearly trespass (If not Burglary )

 

Under the limitations rules I am sure 3 years is not out of time but it would probably be argued as to why you left it so long to complain

 

Its the damn laws that are so easy to manipulate because of their wording can be used to advantage for some.

 

I used to work in a bar that had topless bar maids.

The licensee displayed the posters "if easily offended then dont come inside "

 

Our local council does not like this sort of activity in our town and for 2 years an under cover police operation was mounted.

The officers visited every week enjoying the whole thing.

After 2 years they mounted a big raid after the bar closed.

 

They told the licensee they were going to prosecute him under the obsenity laws.

Some people have complained at what they have seen has offended them they said

(these were punters who they threatened to tell their partners they had bee caught in there..........uinless they agreed to make statements )

 

The licensee said the laws were a fine line and it was easy to use them for the Police to manipulate...........what someone may consider offensive.........may not be to someone else !!!

 

Anyway the licensee was forced to leave the pub and they dropped the case.

 

I was DJ at this bar and asked one copper why it had taken 2 years to stop it.

 

"personally I did not want it stopped he said.......we were getting paid for watching and it was a night out for us too...........but the div commander said we were over budget on the enquiry so had to move for a result " !!

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.

 

 

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Actually I came to realise some time ago that when the state abuses you and rips you off, it's actually better to avoid a direct confrontation. Let's just say I got my money back by other means :D

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Seminole - with regards what action to take for the past event, it is my understanding that (as per other post above) you would be dealing with trespass.

 

I'm afraid I don't know how to proceed with that route, precisely, so if you don't find the answer on our forums, try the forum that Lou found

 

http://www.justclaim.co.uk/bb/index.php

..

.

 

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

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yep i already have this link in my favourites.

 

http://www.dca.gov.uk/consult/bailiff/bannd2fr.htm

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.

 

 

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apologies if i am hijacking this thread........

 

I just wondered if anyone had any views.....

 

Council tax didn't get paid. My mistake - although I don't recall recieving papers from Council but thats another story.

 

Anyway....

 

Bailiff knocked on my door with a "Take Formal Notice". Gave me until end of week to pay/come to an arrangement. Told to contact him only. Rang bailiff at end of week - no answer. Continually tried throughout day and got in touch with head office. HO wouldn't help said I needed to speak to bailiff. HO refused to take payment over phone. Continually rang Bailiff. Rang HO again and they informed me he no longer worked there and to ring again tomorrow for another contact. Rang continually for over a week - eventually someone said they woudl get back to me.

 

Time passess, got taken over trying to sort out other things and unfortunately put this to the back of my mind.

 

Another knock on teh door - added more charges, had a van - going to possess goods if no payment recieved today. Since reading threads - he woudl have had no right to enter my property as the bailiff before simply handed over a letter - he did NOT enter the house.

 

Explained situation, not interested wanted payment. Came to an arrangement. Unfortunately, let him in, signed papers (I had my children in teh house and was scared sh??ess so thought I'd better co-operate).

 

Wrote to them complaining of the charges bearing in mind I had been waiting to hear from them with a new contact and certainly didn't expect another visit - why should I pay for this second visit? A simple telephone call woudl have sorted it?

 

They acknolwedged my letter and said they'd reply in hte next 28 days.

 

Time passed. Not heard a thing. Making payments as agreed.

 

Any help?

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Think you should make a complaint to your local authority who are enlisting these balifs.

Tell them everything you have said here.

 

As you have already signed a walking posession order then it moves in the balifs favour.

 

If you get no joy then there are bodies you can complain to that oversee balifs behaviour. (all the links on here )

 

A sad story

 

:sad:

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.

 

 

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Chardonnay

 

Check out my thread http://www.consumeractiongroup.co.uk/forum/showthread.php?t=8732

 

and something else may be of use to you below, what have they charged you in fees, read below I wish I knew this when it happend to me:-

 

 

BAILIFFS CHARGES

You may be able to complain about bailiffs charges. The amounts they are allowed to charge for council tax and poll tax are set out in the schedule on page 5. The amounts they are allowed to charge for council tax are set out on the next page in the schedule. There are lower fees for poll tax collection. These are shown in italics. If you feel you have been charged too much you can complain in writing to the Council and the bailiffs. You may be able to ask the County Court to look at the charges for you see below. Phone us for advice.

 

You can find out what is ‘reasonable’ by making enquiries on a local basis. For example, if you have been charged £80 for attendance with a van, and local enquires indicate you could hire a van for a morning for £40 this is clearly unreasonable, especially as it is likely that bailiffs will be visiting several properties at once, and many companies own their own vans.

 

In the first instance, complain to the bailiffs themselves. You can tell them you know their charges are excessive and that you will be taking further action if the charges are not reduced to the levels shown in the schedule.

 

* You can then complain to the council as the bailiffs are acting as agents of the Council. There have been recent cases that have been taken back in front of the Magistrates Court over these issues, with the result that the councils have been forbidden to take any further recovery action, or in other words, the debt has been written off. So it IS worth complaining.

 

* You can apply to the County Court for the costs to be checked. This is called "Taxation". The court can look at a complaint within 12 months. They will decide if the charges are excessive or not. There is a fee to pay to the court for this application. If the court decides not reduce the bill at least 20% you can be liable for the bailiffs firm’s court costs. You need legal advice first.

 

USEFUL LINKS

The Secretary

Association of Civil Enforcement Agencies

Kensington House

33 Imperial Square

Cheltenam

Glos

Tel: 01242 241456

Website: www.acea.org.uk

 

The Secretary

Enforcement Services Association (ENSAS)

(formally The Certificated Bailiffs Association) Ridgefield House

14 John Dalton Street Manchester M2 6JR Tel: 0161 839 7225

Website: www.bailiffs.org.uk

 

 

Local Government Ombudsman (England)

Millbank Tower

Milbank

London SW1P 4QP

Advice Line: 0845 602 1983

Monday to Friday 9.00 am – 4.30 pm. Website: www.lgo.org.uk

 

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.

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Thanks Chris

 

I think the first thing I will do is send a DPA request to them.

 

They haven't replied to a previous complaint so not sure what chance there is!

 

I have also drafted a letter to my local councillor - whom I copied in on my letter to the bailiffs. unfortuantely I didn't get round to posting it but i sure will now.

 

It just makes me so angry - ok we got into debt - we have our reasons (mainly due to excessive bank charges - which I am also taking action on by the way!) and to almost double the debt is just outrageous.

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Thanks Chris

 

I think the first thing I will do is send a DPA request to them.

 

They haven't replied to a previous complaint so not sure what chance there is!

 

I have also drafted a letter to my local councillor - whom I copied in on my letter to the bailiffs. unfortuantely I didn't get round to posting it but i sure will now.

 

It just makes me so angry - ok we got into debt - we have our reasons (mainly due to excessive bank charges - which I am also taking action on by the way!) and to almost double the debt is just outrageous.

 

Start fighting back Chardonnay, not easy at the time, but now you know your rights hopefully it will be easier to stand up to them. It is a bit of an uknown quantity getting fes back, but I have nothing to loose so may aswell give it a go! :mad:

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.

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Start fighting back Chardonnay, not easy at the time, but now you know your rights hopefully it will be easier to stand up to them. It is a bit of an uknown quantity getting fes back, but I have nothing to loose so may aswell give it a go! :mad:

 

 

Again good research Chris............BTW the rmp has fighting back too..............

 

U will prob see it when u go there !!

 

 

;)

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.

 

 

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Thanks guys we are all in the same boat here so it is great we can all help each other!! 'All for one a one for all' as someone used to say ;)

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.

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U will prob see it when u go there !!

 

 

;)

 

Do you mean the Nostra thread?? I didn't see anything else! but I was watching your sparring session with OGL :)

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.

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ahhhhhh but the mods have deleted a lot of it.....(was in the main between oz and s.b...).................actually got VERY heated....

 

 

 

like some of us hear in discussions with the banks he he

 

 

:D

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.

 

 

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I think this seems to suggest that 'anything' is fair game, no matter how sentimental.

 

Moving it out before hand is looking like the best option - although I suspect that knowingly doing so might be illegal / unlawful too.

 

But of course we're just talking hypotheticals, right? :D

 

On this site we have a Court Buddy scheme.

 

Well how about a Bailiff Buddy scheme to support the more vunerable amongst us. I realise it won't be affective for the 1st unannounced visit but many bailiffs do 1st visit be appointment & if they don't they can always be asked to return

 

 

Just think enough buddies in an area we could be mob handed when they arrive. Let’s see how like feeling intimidated especially when they discover they are surrounded by people who undertsand the law better than them & start getting the OFT Guidance thrown at them

 

Has it been considered before & flopped or do we have one & i've just not found it yet? I'd like to know.

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I realise it won't be affective for the 1st unnanounced visit..

Well your idea of a first visit and theirs will be rather different. Bailiff fees for Council Tax and Parking penalties aren't very high - for a letter, they can only charge £11.20 plus VAT. For visits over £100, they can charge 28% of the amount owed - that's a rough guide.

 

If they played by the book, they wouldn't make much profit really because the forgetful/worried people will most likely divvi up the money from somewhere to pay them off after the first letter. That just leaves the can't pays and an odd few won't pays who they aren't likely to get a bean out of anyway.

 

So what they do is lie. They say they have sent letters when they haven't. They say they have visited when they haven't. But they add on all those "phantom" fees to the costs and before you know it, you're owing them £250.00 - this is the first letter you'll get - sent second class post (for anyone claiming fees back KEEPTHE ENVELOPES) so it'll take the best part of a week to reach you. Then within a couple of days you'll get another letter hitting you for £500. The fees start rolling up nicely for them now.

 

Probably for years they have got away with it without challenge because no-one knew how to challenge them. Most people didn't know how much Bailiffs can charge - try looking on any local authority website, none of them I've seen set out the charges - all they will do is perpetuate the myth that if you don't pay up at once, you will get huge bailiff charges added on - well you will, but only because there are bailiffs who will lie about the extent of their communication with you.

 

The way to deal with them when they try these tricks is to challenge them by using S7 DPA to see what they actually did. In my case, the company concerned faked letters allegedly sent to me but they did not match the dates on the computer generated letters I had actually received (after the alleged costs already stood at £250) and some of them were dated the same day as alleged visits had been made. As soon as I pointed this out, together with the fact that the alleged description in their records of my front door as "proof" of the visit was actually nothing like my front door, I received a cheque in full by way of refund with no arguments.

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Well your idea of a first visit and theirs will be rather different. Bailiff fees for Council Tax and Parking penalties aren't very high - for a letter, they can only charge £11.20 plus VAT. For visits over £100, they can charge 28% of the amount owed - that's a rough guide.

 

If they played by the book, they wouldn't make much profit really because the forgetful/worried people will most likely divvi up the money from somewhere to pay them off after the first letter. That just leaves the can't pays and an odd few won't pays who they aren't likely to get a bean out of anyway.

 

So what they do is lie. They say they have sent letters when they haven't. They say they have visited when they haven't. But they add on all those "phantom" fees to the costs and before you know it, you're owing them £250.00 - this is the first letter you'll get - sent second class post (for anyone claiming fees back KEEPTHE ENVELOPES) so it'll take the best part of a week to reach you. Then within a couple of days you'll get another letter hitting you for £500. The fees start rolling up nicely for them now.

 

Probably for years they have got away with it without challenge because no-one knew how to challenge them. Most people didn't know how much Bailiffs can charge - try looking on any local authority website, none of them I've seen set out the charges - all they will do is perpetuate the myth that if you don't pay up at once, you will get huge bailiff charges added on - well you will, but only because there are bailiffs who will lie about the extent of their communication with you.

 

The way to deal with them when they try these tricks is to challenge them by using S7 DPA to see what they actually did. In my case, the company concerned faked letters allegedly sent to me but they did not match the dates on the computer generated letters I had actually received (after the alleged costs already stood at £250) and some of them were dated the same day as alleged visits had been made. As soon as I pointed this out, together with the fact that the alleged description in their records of my front door as "proof" of the visit was actually nothing like my front door, I received a cheque in full by way of refund with no arguments.

 

Good info BotB..........can I ask was yours for Council Tax or Parking Penalties and does it make a difference, and if as you say they can charge up to 28% for visits over £100, where is this set down or published as I have looked and cannot find it anywhere on any of the relevant Government or related sites.

 

Also how does ths work

 

In the first instance, complain to the bailiffs themselves. You can tell them you know their charges are excessive and that you will be taking further action if the charges are not reduced to the levels shown in the schedule.

 

* You can then complain to the council as the bailiffs are acting as agents of the Council. There have been recent cases that have been taken back in front of the Magistrates Court over these issues, with the result that the councils have been forbidden to take any further recovery action, or in other words, the debt has been written off. So it IS worth complaining.

 

if indeed they are allowed to charge 28% ?? I have challenged them with a S7 DPA and still wait to hear from them before I know whether I can take further action.

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.

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Share on other sites

In my case it was parking PCNs.

 

The bailiff charges for road traffic enforcement is here:

 

http://www.uk-legislation.hmso.gov.uk/si/si1993/Uksi_19932072_en_2.htm

http://www.opsi.gov.uk/si/si2003/20031857.htm

 

The original charges in the 1993 regs were updated in 2003 so you need to look at the earlier ones to make sense of the 2003 regs.

 

You should also have a look at the National Standards for Enforcement Agents - a voluntary code which is as far as the Government has been prepared to go in regulating bailiff conduct.

 

http://www.dca.gov.uk/enforcement/agents02.htm#part8

 

For Council Tax, these are the charges:

 

 

1. For making the first or only

visit with a view to levying

distress (where no levy is

made)

£22.50

 

2. For making the second visit

with a view to levying

distress (where no levy is

made)

£16.50

 

3. For close possession of

goods

£14.00

 

4. For walking possession of

goods

£11.00

 

5. Where no sale of goods

takes place by reason of

payment or tender

£22.50

6. For levying distress where

the sum due at the time of

the levy does not exceed

£100

£22.50

 

7. For levying distress where

the sum due at the time of

the levy exceeds £100

20%

 

 

In the first instance, complain to the bailiffs themselves. You can tell them you know their charges are excessive and that you will be taking further action if the charges are not reduced to the levels shown in the schedule.

 

My first approach to the Bailiffs would be a S7 request - until you have the information, what are you complaining about? How can you "know" they have inflated their charges if you don't have a breakdown of how they have arrived at those charges? Further, you need to know if they have followed the correct procedures. I would definitely NOT be giving them any indication that I am going to pay ANY of their charges whether reduced to the statutory level or not at this stage.

 

There have been recent cases that have been taken back in front of the Magistrates Court over these issues, with the result that the councils have been forbidden to take any further recovery action, or in other words, the debt has been written off. So it IS worth complaining.

 

Magistrates Courts set their own level of charges for bailiff fees for recovery of fines, not Council Tax which is fixed by statute.

I do not know by what authority the Magistrates under the cases referred to above would be acting - they do not have the legal power to write off Council Tax anymore than local authorities can write it off but I suppose they could disallow the costs that would normally be awarded or attribute any sums wrongfully collected by way of charges towards payment of the debt. I would like to know more about the actual cases before I could recommend it as a way of dealing with unlawful charges.

 

For myself, I advocate getting your money back first and then complaining.

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Well I paid all charges and fees anyway, and have already sent of a S7 DPA...so I will wait and see what they come up with, the fees you post above I have also found and they seem to tally, but it is the 20% that I had not seen mentioned elsewhere.

 

Anyway as you rightly say, I cannot do anything in my case until I get the DPA information, but thanks for the help so far.

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.

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Well the company used by my local council, Phoenix, are lying cheating scumbags basically and that's why they will get nothing out of me. The first time they came, a couple of years ago I gave therm £50 cash for my council tax then a couple of weeks later got a letter from the council telling me that I still owed the same amount. I asked why and it turned out they had received no money from the bailiffs.

 

I phoned Phoenix who told me that the £50 I gave them only covered their callout charge. I told them that I gave them the money to give to the council, not for their fees.

 

Some of their tricks include posting letters through the door in unsealed envelopes, or not in envelopes at all, stuffing three letters for three different unpaid parking tickets in the same envelope then charging three seperate fees for them, and basically lying through their teeth. The last letter I got wasn't in an envelope so I opened the door and told him it was illegal to post it unless it was in a sealed envelope. His reply was, "Oh, you opened the envelope then did you?". I told him to p*** off until such time that he learned to comply with the law.

 

Other tricks include not itemising the charges (they should be itemised), WRONGLY claiming that they will come round "with the police and a locksmith" (the police will not attend unless there is a fraces or something), wrongly claiming that thewy have a walking possession agreement (they have never set foot inside my house and never will and I have never signed anything), wrongly claiming that they will take my car (they can't it's for business use and they have that in writing but the bailiff still tried to intimidate me by saying that they could and would, and so on.

 

There must be six or seven things they are guilty of there and frankly I would like to sue the backside off them for all this illegal intimidation but don't know how.

I only mouth my opinion, please look elsewhere for sensible advice! :)

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They sound just like that Philips lot, very similar trick, threats and lies. I hope you find a way Seylectric of getting back at them, they deserve all they get, and only get away with things through intimidation.

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.

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