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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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Raymac vs Lloyds TSB


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Hi- I'm claiming back £1030.00 from Lloyds TSB along with £87.00 interest. So far I've sent 3 letters requesting my money back to which I have not received a response. I was hoping for a letter from Lloyds offering me some kind of settlement at this stage. The first letter I sent requesting my money back was a month ago. I'm now at the stage where I want to take legal action but I'm concerned about what happened to that chap who lost in court the other day especially because it was Lloyds he was taking to court. Please could somebody advise me of there experience of taking Lloyds to court? What are the proceedures? Do you have to go to court and what do you have to say? How long is the proceedure going to take roughly?

 

Many Thanks

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Its business as usual .... that was one case, one judge ... it has not set a presedent and claims are still being settled.

 

You need to read, read and read some more. ALL the information is available on CAG and if there is something you cannot find then shout.

 

Most claims dont even make it to the courtroom but, it is important to make sure you are ready if it should do so.

 

Here are some links that will answer some of your questions.

 

 

 

 

 

XxXxX

  • Haha 1

If I have been helpful, PLEASE click the scales

 

 

You may receive differing advice as people have had different experiences. Please use your own judgement in deciding whose advice to take. If in doubt seek advice from a qualified insured professional. Any advice I offer is done so informally, without prejudice & without liability.

 

 

I WON !!!!

 

 

HERE WE GO AGAIN .... BRING IT ON

 

:D

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  • 2 months later...

Hi- I have started legal action against Lloyds TSB last week, I'm claiming £1030 charges, £87.06 interest and now £120.00 court charges I've just paid. They have until 29th July to respond.

I've received a letter from them yesterday (16th July) offering me a £750.00 full & final settlement which they will credit to my bank account in 10 days time. Of course I don't want to accept this as a final offer and want the full claim paid. Because the letter is not from their solicitors or legal depatment, I assume they are well behind responding to my previous letters (last one sent to them the end of May).

What I need to know is can I accept this money as a partial payment at this stage of the proceedings and continue for the rest? If so when do I advise the court, now or when the money hits my bank account? I've looked at the template letters on this site for rejecting full and final offers which I'm going to use but I would like some advice from people who have been in this situation and what the outcome was.

I've been trying to get this money back from the bank since April 2007 so of course being told £750.00 is about to hit my bank account is very pleasing. I'm just concerned if I receive this partial payment and spend some of it this would be seen as me accepting the full & final offer. Some advice would be very much appreciated.

:???:

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Yes I will but once the money's in my bank account what happens if I spend it? Surely if I sent them a letter saying I accept it as a partial payment I'm entitled to spend it- it is what they owe me anyway?

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thanks Curlyban- i will. When would I tell the court about getting this part payment? Now or when I get it? Do you think it's likely lloyds will take it back if I only agree to accept this as a part payment?

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Hiya,

 

I got one of these payments and sent a rejection letter. Lloyds then wrote back to me, basically it told me they wouldn't take the money back as it was a goodwill gesture and that I was free to carry on court proceedings if I so desired and that the amount would be deducted from any amount won

 

SwissT

THE VIEWS POSTED BY MYSELF ARE STRICTLY MY OWN OPINION AND CANNOT BE RELIED ON FOR LEGAL PURPOSES.

IF IN DOUBT, CONTACT A QUALIFIED LEGAL EXPERT

SWISSTONI

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I've merged your threads to make it easier to track your progress :)

 

If in future you need to find your thread click on your user name, then click 'find all posts started by' and it will come up.

 

Best of luck with your claim :)

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Thanks for the advice- if you could change the title that would be good- RayMac v Lloyds isnt very eye catching and I need all the help I can get. cheers mate!

By the way the £750.00 offer from Lloyds was paid into my bank today- only received their letter offering this yesterday- not a bad result but still a little further to go yet!!

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I thought you had received it all.

 

I will wait until you have received all the money before I get your title changed.

 

Obviously do not send the letter informing the court of settlement.

If I have been helpful please click on my star and add a comment.

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Gudio- I just checked that thread- the letter states I'm accepting money as final settlement- I'm not, I'm accepting this as a partial payment and I'm pursuing the rest- do you know of another tread I can send to the court to advise them?

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thanks swisstoni- thats put my mind at ease as I've just found out the moneys in my account now! Nice picture as well:D

Thanks! Do you wanna buy a car with your £750?? HAHA!!!

THE VIEWS POSTED BY MYSELF ARE STRICTLY MY OWN OPINION AND CANNOT BE RELIED ON FOR LEGAL PURPOSES.

IF IN DOUBT, CONTACT A QUALIFIED LEGAL EXPERT

SWISSTONI

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Could somebody tell me when I need to inform the court Lloyds TSB have paid a partial payment of £750.00? I started legal action 10th July and received the cash 18th July. The bank has until 29th July to make a defence.

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I would not be concerned about it for now, Lloyds should in their defence state that they have paid you £750. However, invariably they will not as SCM are inept.

 

I did not inform the court until I applied for judgement at the very end.

If I have been helpful please click on my star and add a comment.

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