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    • Agreed, let them default. Keep everything in writing, if they ring to discuss the accounts over the phone, simply say 'everything in writing please', and hang up. They'll soon get the message. Get all of your paperwork in order too, if you haven't got any, or are missing relevant documents, then you can SAR the original creditor, which is free and they have 30 days to supply the info. Keep a diary of events too. sit back and relax, YOU'RE in control, not them.
    • thought you said you had an sjpn? dx  
    • dont go near them bunch of scammers! ive removed ref. dx  
    • 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!  
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      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.

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Beckett v Lloyds TSB - Going Back More than 6 Years


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defence registed with MCOL today (they seem to be acting fast!)

I am going to need help with this one as they will, I am sure try and rubbish my claim given the age (1998-2000) of the fees. fingers crossed for their response.

Halifax WON X 2, Northern Rock WON, Capital One WON, Marbles WON, HSBC WON

On the 25th october I will be filing a claim for £175.00 Citicards. Just watch it!

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could one argue the visit by lloyds collections to strip me of my card could be used as an argument point when stating that if my bahavoiur was in the t&c's, then why would Lloyds come for my card at my home address?

Halifax WON X 2, Northern Rock WON, Capital One WON, Marbles WON, HSBC WON

On the 25th october I will be filing a claim for £175.00 Citicards. Just watch it!

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Lloyds were served the claim on the 11th, they acknowledged on the 16th and defended today, my claim is going back to 98-01. should i be worried?

 

also realised that when calculating 8% i listed all charges and refunded charges by didnt knock off the interest on the charges that wew refunded (though it isnt clear from the statements which charges these relate to

 

have i fouled up?

Halifax WON X 2, Northern Rock WON, Capital One WON, Marbles WON, HSBC WON

On the 25th october I will be filing a claim for £175.00 Citicards. Just watch it!

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afterall why would the bank take the cards back when i am within the t&c's

Halifax WON X 2, Northern Rock WON, Capital One WON, Marbles WON, HSBC WON

On the 25th october I will be filing a claim for £175.00 Citicards. Just watch it!

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  • 2 weeks later...

received 10 point defence

 

1) bank admits I have been customer

2) By opening account, I agree to the bank charging for services

3) Keeping inredit i would avoid charges

4) no breach contract has occured charge cannot be a penalty

5) customer given advance warning of charges

6) charges fair and reasonable

7) customer notifed chasrges in a clear language

8)charges for service and are not penalties

bank entitled to impose charges,

9) claim is based on charges prior to 6 years claim is statute barred, particulars do not show how claim arrived at

10) claimant not due a penny

 

what now then. can I request a strike out based on the bank settling before cases are due?

 

help!

Halifax WON X 2, Northern Rock WON, Capital One WON, Marbles WON, HSBC WON

On the 25th october I will be filing a claim for £175.00 Citicards. Just watch it!

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Have you received an AQ? If so you can attach a strike out application. See the thread titled 'AQs - stays and strike out request' in the stickies.

Please remember to DONATE! Help CAG keep up the fight!

 

 

Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.

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  • 2 weeks later...

Hello

 

I am claiming only for the period of 1998-2000 when the account was closed.

 

The lloyds defence brought this matter up and said the claim was not valid.

 

i have received the following

 

DISTRICT JUDGE XXXX has considered the statements of case and allocation questionnaire (there wasnt one) filed and allocated the case to the small claims track.

 

The hearing of the claim will take place at 14.00 on the 7 September 07 at Reading County Court and should take no longer than 10 MINUTES

 

the court must be informased if party settle etc

 

Each party shall deliver to every other party and to the court copies of all documents on which he intends to rely on no later than 14 days before the hearing.

 

Original documents should be brought to the hearing.

 

1) should i be worried about the 10 mins as this seems like my case will be chucked out over time barring

2) are they asking me to submit the bundle everyone discusses on here?

 

Should I take it to the 16th day before and submit in the hope they settle or what?

 

Help.

Halifax WON X 2, Northern Rock WON, Capital One WON, Marbles WON, HSBC WON

On the 25th october I will be filing a claim for £175.00 Citicards. Just watch it!

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Wow Reading court does hear some case then!

 

The fact that the court has only ordered 10 minutes should not indicate a great deal. Its quite common for courts to allocate a short time period for claims as they know the banks are likely to settle.

 

They are asking for the bundle to be submitted 14 days before hearing which is standard practice in small claims.

 

Start reading up on the Limitation Act and related case law if you haven't already.

 

Best of luck

 

Zoot :)

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i havent heard a bean from SCM they have defenced and my court date is through, shouldnt i have heard now as sone have recived offers be3fore the court date??

Halifax WON X 2, Northern Rock WON, Capital One WON, Marbles WON, HSBC WON

On the 25th october I will be filing a claim for £175.00 Citicards. Just watch it!

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There does not appear to be any set time table for offers. Some have received them quite early on others are later. I shouldn't read anything into their silence. I think they are simply trying to struggle with the workload.

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spoke to SCM they are still waiting to hear from lloyds whether they wish to make a settlement or defend

Halifax WON X 2, Northern Rock WON, Capital One WON, Marbles WON, HSBC WON

On the 25th october I will be filing a claim for £175.00 Citicards. Just watch it!

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the person i spoke to seemed genuine enough and it makes sense, launch a defence, buy time and wait for LTSB to confirm what they wish to do. fiver says they take mine to the court sice i am claiming back o/s the 6 years

Halifax WON X 2, Northern Rock WON, Capital One WON, Marbles WON, HSBC WON

On the 25th october I will be filing a claim for £175.00 Citicards. Just watch it!

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please list any wins here to help others who may also be worried at having to wait a bit longer.

Halifax WON X 2, Northern Rock WON, Capital One WON, Marbles WON, HSBC WON

On the 25th october I will be filing a claim for £175.00 Citicards. Just watch it!

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This is a good idea - I also think it would be good for any of us with definite court dates to list them. That way, we can see if any are settled or put on hold.

 

Mine is 22nd August (claim filed in March)- no letter or anything yet.

Please note that I am not a legal expert and all advice given is without prejudice and is purely my opinion only.

 

** Nationwide - £1821.15-PAID IN FULL - Aug 06 **

** Halifax Mortgage -£390 - PAID IN FULL - Nov 06 **

Lloyds TSB - MCOL issued 09/03/07 - £2953 + costs - ON HOLD....

 

 

 

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I have been in contact with my local county court who say my court case goes on as planned for the 17 Sep 07. I have also previous to the notification of the test case had a letter from bank's solicitors wanting to discuss settlement. It will be interesting to see if they make an offer prior to my court case or test case result. Will keep you posted.

John Mac

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A new tact

 

I am in the financial industry and it seems that some people are getting payouts awarded before others despite it being at the same stages, the FSA recently brought in the TREATING CUSTOMERS FAIRLY regime

 

Consumers can be confident that they are dealing with firms where the fair treatment of customers is central to the corporate culture;

 

if the judge does award a Stay, I think CAG etc need to post a firm appeal template against this.

Halifax WON X 2, Northern Rock WON, Capital One WON, Marbles WON, HSBC WON

On the 25th october I will be filing a claim for £175.00 Citicards. Just watch it!

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Barty...

 

Glad you've sorted out your "error" problem now!!! :D

 

I hate to be the bearer of bad news though... your link above should have been an "error"!!! :eek:

 

Is this the link you meant?...

 

http://www.consumeractiongroup.co.uk/forum/lloyds-bank/103945-lloyds-court-dates.html

 

Hi

Yes that's the one!:)

Thank you, I do seem to be having a bit of trouble with my links lately;)

Barty:)

I WON!!!! :D :D :D

http://www.consumeractiongroup.co.uk/forum/lloydstsb-successes/1774-barty-lloyds-tsb.html

 

IF I HAVE BEEN HELPFUL PLEASE CLICK THE SCALES:)

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