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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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Cassie v Abbey *** WON ***


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Well if she doesn't agree to £5k don't settle for less. Tell her to come back to you with an improved offer and she will. They'll keep hassling you to reduce your figure, but don't:)

All advice offered here is my opinion only based on what I would do in a given situation. If you wish to act on it you do so at your own discretion

......................................................

I have no legal expertise or qualification, and give advice on the basis of my own experience and nothing else.

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She's just called with a final offer of £4800.

 

She said they didn't really have to make me an offer as I haven't got a hearing date yet. (She was very nice).

 

I get the feeling that if I don't settle, it could go against me in court????

 

Any advice VERY welcome.

 

Cassie

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Don't take it, she's trying to intimidate you. There's another £200 at least still to find. Tell her you'll see her in court

All advice offered here is my opinion only based on what I would do in a given situation. If you wish to act on it you do so at your own discretion

......................................................

I have no legal expertise or qualification, and give advice on the basis of my own experience and nothing else.

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Cassie, ignore her or at least email with a polite no thanks, THEY WILL CAVE, they know that the Lloyds hearing wasnt worth the paper it was written on, she is good for another 1.5k at least

Lula

 

Lula v Abbey - Settled

Lula v Abbey (2) - Settled

Lula v Abbey (3) - Stayed

 

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Cassie, you are strong, you can do this, you really can................. I know its tempting, but dont take it............ Hold out, it will take longer yes to get the money,but you know you will win. You just have to find the courage within yourself to continue. Its not difficult, everything you need is on here, everything, and if you cant find anything then you know you can always come back and post and there are hundreds to your rescue. YOU CAN WIN THIS, YOU CAN DO THIS, .................... HOLD YOUR NERVE MY FRIEND, AND YOU WILL GET YOUR REWARD. The Lloyds win yesterday was fluke, nothing more, and were all sure it will be overturned if the guy appeals, so please dont let that sway you into bottling it. You are strong, you are fantastic and youve come so far. Dont throw the towel in now, thats what theyre banking on. (forgive the pun). STAY STRONG, AND YOU HAVE MANY BEHIND YOU WITH SUPPORT.

 

All the very very very very best. Fendy xxxx

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Cassie,

 

I know it must feel like people are shouting all sorts of different things at you on here, but set them a deadline to settle at £5K and then walk away if they don't, that way you'll get all of your claim. :)

All advice offered here is my opinion only based on what I would do in a given situation. If you wish to act on it you do so at your own discretion

......................................................

I have no legal expertise or qualification, and give advice on the basis of my own experience and nothing else.

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OK read my post http://www.consumeractiongroup.co.uk/forum/abbey-bank/90404-lloyds-win-abbey-consequences.html#post825310

It is very important in Abbey's case. The defence they submitted states very clearly that you breached the contract and for that they charged you a penalty fee which is a true reflection of their costs...The full amount is due and they know it. Lloyds case didn't set any precedent and if they would like a trip up to your court to defend it then you should offer to buy them a cup of tea for their trouble.

Abbey £4340.59 *WON* Jan 07

 

Abbey II MCOL 31/03/07 £8800.00

 

Please note..I AM NOT AN EXPERT ANYTHING WHAT I POST IS PURELY MY OPINION AND MAY BE WRONG IT IS JUST BASED ON MY UNDERSTANDING OR EXPERIENCE

 

Read my latest claim its a fast track potentially

http://www.consumeractiongroup.co.uk/forum/abbey-bank/61406-noobrider-abbey-take-2-a.html?highlight=noobrider

 

read my first claim which includes attending a directions hearing in court

http://www.consumeractiongroup.co.uk/forum/abbey-bank/10576-noobrider-abbey.html?highlight=noobrider

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Cassie, Take a deep breath and stop worrying.

 

Now, ask yourself how much of what you've claimed back you feel you're entitled to. With this figure in mind, tell them you WILL NOT settle for anything less, no if, no buts, that is what you want to settle your claim.

 

If they still say it's too high, tell them you'll see them in court.

 

Then make sure you've prepared everything you need to the best of your ability, understand exactly what you will rely on if you have to explain yourself and get one of us to act as your court buddy. I'm sure someone living near you would come along & give support in the unlikely event that they leave it until the court day to offer to settle, but settle they will.

 

There is no way they want to explain their charges in open court, so what option do they have but to settle. Of course they'll try and get you to accept less, they're in the business of making money and if it's your money they take to feed their greed, they don't care, so the more they can frighten you out of the better they feel.

 

Just look at the amount that CAGgers have reclaimed in the last year and ask yourself, would the banks have repaid that if what they were doing was lawful. I think not.

 

Please, just take a few moments to yourself, decide what you are happy doing and we'll all support you whatever that is. :)

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Thanks everybody for your fantastic responses.:)

 

Believe it or not I am quite a strong person - always fighting someones corner - always on my soapbox when I see/hear about an underdog or injustice - EXCEPT when it comes to ME.

 

I'm VERY tempted to accept this offer of £4800 but I now have Louise's email address (wish that was the only contact I had with them - I feel it would have been easier). I know I am asking a lot, but can anyone draft a (nice) email for me to send to her, rejecting this offer....... and my reasons why (I think we all have the same reasons).

 

At the moment I really feel at the end of my tether BUT there are so many more claims coming up behind me I don't want to prejudice them.

 

Cassie

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Dear Louise,

 

Many thanks for your offer, but i feel that I am unable to accept, as I stated earlier, the absolute minimum offer that I feel that I can accept is 5k.

 

As you feel that you cannot offer this, i look forward to receiving your court bundle shortly.

 

Yours faithfully

 

Cassie

 

 

Or something along those lines - dont get into a protracted email, just state what you want and then wait for her to come back, and she will

Lula

 

Lula v Abbey - Settled

Lula v Abbey (2) - Settled

Lula v Abbey (3) - Stayed

 

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with a little tag line along the lines of (court bundle).....which of course you are aware was a court order made to you for submission by ...whatever date.

 

That bit is quite key in the case as the court has ordered them to disclose their costs...which of course they won't/can't

Abbey £4340.59 *WON* Jan 07

 

Abbey II MCOL 31/03/07 £8800.00

 

Please note..I AM NOT AN EXPERT ANYTHING WHAT I POST IS PURELY MY OPINION AND MAY BE WRONG IT IS JUST BASED ON MY UNDERSTANDING OR EXPERIENCE

 

Read my latest claim its a fast track potentially

http://www.consumeractiongroup.co.uk/forum/abbey-bank/61406-noobrider-abbey-take-2-a.html?highlight=noobrider

 

read my first claim which includes attending a directions hearing in court

http://www.consumeractiongroup.co.uk/forum/abbey-bank/10576-noobrider-abbey.html?highlight=noobrider

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Hi All

 

Noobrider:

I haven't had a court date set yet - all I've had is a letter from Bromley CC stating that my case has been submitted to the Mercantile Court.

 

Sorry if I'm being thick.

 

Cassie

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Cassie did you send the e-mail?

 

If Abbey call you again say you are at work and cannot talk!!! and could they e-mail you with their revised offer, that way you won't be accepting any reduced offers without thinking about them first.

 

You can then post the e-mail and get some feed back before accepting anything

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Well I am sure you will do the right thing, just don't be bullied into accepting less money unless you are happy with it.

 

Personally I do think if you hold out you will get all of it, and Abbey keep mentioning the Lloyd's case is just another scare tactic, maybe you should mention my case!!! as far as I am aware the Lloyds case was only won because the guy did not complete the paperwork properly, (he was not getting information from here but don't quote me) and as usual Lloyd's did not turn up at court so it was more luck that they won than anything else, maybe you should have a quick look at the Lloyds section and get an idea of what happened so you can quote back to Abbey the case, I am sure that will shut them up. I feel they are trying to scare you with this case just don't let them.

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Yes Ignore the lloyds case as it is irrelevant and likely to be appealed against, it didnt set a precedent and as such does not back up lloyds cases what so ever, its just mind games, if they were so sure of their position they would withdraw their offer and offer you zilch, nothing.

 

Mind games thats all.

 

DELBOY

www.bellyup4blues.com Just Go There !!!

 

Woolwich Prelim Sent 5.12.2006 !!!

S.A.R - (Subject Access Request) sent 22.12.2006 (yeah I know)

16.1.2007 £1000 offer rejected

LBA sent 31.1.2007

N1 presented to Court 15.2.2007

Won / Settled 2 days before court date

£5200 plus int charges returned.

 

All and Leics S.A.R - (Subject Access Request) sent 22.12.2006

2nd S.A.R - (Subject Access Request) sent 15.1.2007

Statements received

Prelim sent 31.1.2007

LBA Sent 15.2.2007

Won £1500 on receiving court date..

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Hi cassie,

 

How are doing?? Don't rush into agreeing anything today, but hope it goes ok for you:)

All advice offered here is my opinion only based on what I would do in a given situation. If you wish to act on it you do so at your own discretion

......................................................

I have no legal expertise or qualification, and give advice on the basis of my own experience and nothing else.

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Totally agree wit Delboy - if the Abbey was sure of its ground they would have removed the offer in full. The Lloyds result was no precedent and hadn't been prepared for adequately and one of the claimants hadn't even submitted papers the judge had asked for.........

 

If the banks really thought they had a good shot at winning then they would have defended at least one of the 140 plus cases that were due to be heard at the mercantile court in London in April - becuase a decision there would have been a precedent. I think their failure to do so speaks volumes:p

You may receive different advice to your query as people have different experiences and opinions. Please use your own judgement in deciding whose advice to take.

 

If in doubt seek advice from a qualified insured professional. Any advice I have offered you is done so on an informal basis, without prejudice or liability.

 

If you think I have been helpful PLEASE click the scales

 

court bundles for dummies

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I've just sent the email:

 

Dear Louise,

Many thanks for your offer, but I feel that I am unable to accept.

As I stated yesterday, the absolute minimum that I can accept is 5k.

If you haven't agreed to this by 5pm tonight then I will consider this offer to be withdrawn and I look forward to receiving your court bundle shortly.

 

Yours sincerely

 

 

I don't know if I've done the right thing.................... but it's done now.

 

 

Cassie

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Don't worry they will come back to you just hang in there and go for 100% now, they are messing you around trying to put the frightners on you, just keep correspondance to e-mail from now on and you will be fine

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small points but:

 

the case against Lloyds was submitted using the correct information from this site

the claimant had prepared very well according to the judge and was a model litigant

it ultimately was a poor ill informed judgement that centred around the fact it was not a breach of contract.

 

Abbeys defence actually states that you have breached the contract and that is a big difference.

Abbey £4340.59 *WON* Jan 07

 

Abbey II MCOL 31/03/07 £8800.00

 

Please note..I AM NOT AN EXPERT ANYTHING WHAT I POST IS PURELY MY OPINION AND MAY BE WRONG IT IS JUST BASED ON MY UNDERSTANDING OR EXPERIENCE

 

Read my latest claim its a fast track potentially

http://www.consumeractiongroup.co.uk/forum/abbey-bank/61406-noobrider-abbey-take-2-a.html?highlight=noobrider

 

read my first claim which includes attending a directions hearing in court

http://www.consumeractiongroup.co.uk/forum/abbey-bank/10576-noobrider-abbey.html?highlight=noobrider

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