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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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lloyds tsb


herbs
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Hi there I recently started my claim for charges with lloyds tsb.They sent me back a really patronising letter stating their charges were fair, so i strated legal procedings and asked for an additional £1000 in damages, not sure if that was the right thing to do, but i have a bad credit rating because of defaulting my overdarught due to their chargs, and i am really peeved.

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Guest louis wu
Hi there I recently started my claim for charges with lloyds tsb.They sent me back a really patronising letter stating their charges were fair, so i strated legal procedings and asked for an additional £1000 in damages, not sure if that was the right thing to do, but i have a bad credit rating because of defaulting my overdarught due to their chargs, and i am really peeved.

 

 

Herbs, you really need to have a rethink on what you are doing. You say you have started proceedings, what stage is that?

 

Give some details and we'll help.

 

Louis

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Hi to you all, this is my first (nervous!) post with CAG. I really look forward to making a positive contribution in this forum as well as gaining help in making a successful claim. I have had an acceptable settlement offer from one bank so far, a private account. My quest here is in connection with a Lloyds TSB business account and and a claim approaching £2500 inc interest. I have taken all appropriate steps and have already proceeded with action in the HMCS Money Claim on line. I have been notified that the bank has until May 22 to respond. However, this being a business account I believe that I have dropped a clanger(:oops:) because the proceedure I followed was for private accounts. So..... Should I cancel this action and proceed according to what I am learning here? I am pretty certain on research that the banks defence will be that Unfair Contracts Terms Act 1977 and Unfair terms in consumer Contracts Regulations do not apply to business accounts. Or at least that my proceedure is incorrect. I would appreciate your comments please.

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Guest louis wu
i have filed a claim with the small claims court 1 week ago

 

Herbs, thats no good, you've got to give proper details as to how you came about submitting your claim.

 

Amounts, dates, all previous correspondance etc,

 

Louis

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Guest louis wu

Diego,

 

You need to start a thread of your own

 

Go to the Lloyds forum and find the 'new thread' button and away you go.

 

Its essential you read the FAQ's as you need to know what the process of claiming back your charges is all about, and the only way to do that is to read everything you can.

 

Louis

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Hi Louis. I sent my 14 day letter on 6 th april, lloyds responded on 16th april stating that their charges were fair and they wouldnt be refunding them, so i phones them up and a customer service representative told me i should take them to court. So i wited for the fourteen days to elapse and filed my claim with money claim online on 26th april served on 1st may. for £2773.19 + £221.85 interest and £1000.00 damages and a daily rate of interest of £0.13. The damages are because i have a bad credit rating because of their charges and im really fed up with being bullied by big corporations, have i messed it all up.

Martin

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Guest louis wu

The procedure is

 

preliminary approach...14 days

LBA...14 days

N1/MCOL for the claim plus interest.

 

In my opinion, you have no chance of the £1000, but I dont know the implications of it on the rest of your claim.

 

If you have a default due to charges then you could add the removal to your claim, if thats the case I will look up the correct way of doing it for you.

 

You need to have a read of the FAQ's just to get familiar with this process, as the bank will defend and you still ave a fair amount of work to do. If you don't know what your doing at this stage, it could get very costly for you.

 

I notice you have lots of issues going on at the moment, Lloyds, barclays, aol, so it is imperitive you do some serious research as to whats involved, dont forget, its your claim and its involving court action against huge multi-national institutions. You must realise any mistakes will be spotted and you will have a hard time arguing a lost cause against experienced solicitors/barristers in court. So, make sure you know what your doing and that you do this properly. Its not too late, but you must learn fast

 

Louis

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I'll move this thread to Lloyds for you....

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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Cheers Louis, i looked at the FAQ very helpfull, with my lloyds tsb claim i am paying off a loan through their debt recovery office and have a "no lending" tagged onto my account which has proved really awkward. My barclays claim has a default for missing the first payment of a loan made up of paying back an overdraught on a business account and has been passed to a credit recovery agencie. i expect you are right about the £1000 damages,I will do some more research and keep you informed thanks for the advice,its not at all simple is it.Martin

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