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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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MBNA admitted no CCA, so I want to claim interest back.... Need help though!


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Hiya Wednesday. My daughter is away on a residential trip until tomorrow and the receipt is in her handbag.....

I won against MBNA, Nat West , Barclays, Barclaycard and PPI payments from Barclaycard

Abbey National still to go.... what will I do with my spare time?

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Letter was signed for 16th July 2007. prelim letter going off next Tuesday, so you are a few days ahead of me Wednesday. Did you give them 14 days or 7?

I won against MBNA, Nat West , Barclays, Barclaycard and PPI payments from Barclaycard

Abbey National still to go.... what will I do with my spare time?

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I have only sent the prelim letter (the 1st one) so far, just not sure how to word the LBA, did you pretty much use the same wording.... I will be sending that letter Tuesday of next week xx

I won against MBNA, Nat West , Barclays, Barclaycard and PPI payments from Barclaycard

Abbey National still to go.... what will I do with my spare time?

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Oooops maybe i should of sent a pre lim first :D

 

This is what i sent

 

You have admitted in your letter dated XX May 2007 that you cannot supply a regulated agreement that documents our alleged contract. Therefore no contract exists or has ever existed.

 

Therefore you have never had my permission to lawfully process my data, and to pass that data onto third parties. You do not have my permission to start to process any new data and any data already passed onto third parties must be withdrawn and destroyed.

 

As no contract exists you have had no right to charge interest on any money lent. I now realise I have being paying you interest when I shouldn’t of been.

 

I am sure that I do not need to point out to you, that without a true, executed copy of my Consumer Credit Agreement I am now unable to ascertain any of the terms and conditions that constitute our alleged contract.

 

Therefore I require repayment of all such interest taken from XX XX 2002 to XX XX 2007. I also seek statutory interest at 8% from the date of each charge.

This totals to £X,XXX.XX + £XXX (interest at 8% to today’s date, which is XX July 2007) Total amount to date is £X,XXX.XX

 

Please forward payment by return by cheque.

 

I expect to receive a positive response to this letter within the next fourteen days. In the event of either no response or a negative response I put you on notice that I will file a claim in the county court for non compliance with the consumer credit act, and I that I will at the same time ask the court to make a declaration that the alleged agreement between us is void. I will also ask the judge to order the return of all monies I have paid to the account.

 

Yours sincerely,

 

Thats what i sent, nothing received in return yet.

 

Im due to send the LBA for the PPI on Monday :cool:

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read my last post on wednesdays thread :)

** We would not seek a battle as we are, yet as we are, we say we will not shun it. (Henry V) **

 

see you stand like greyhounds in the slips,

Straining upon the start. The game's afoot:

Follow your spirit; and, upon this charge

Cry 'God for Harry! England and Saint George!'

:D If you think I have helped, informed, or amused you do the clickey scaley thing !! :D

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I received an acknowelgement from MBNA "signed" by Stephen Bailey, telling me they are investigating my complaint and will send me a full response by August 12th.....

2nd letter going off to them on Wednesday though

I won against MBNA, Nat West , Barclays, Barclaycard and PPI payments from Barclaycard

Abbey National still to go.... what will I do with my spare time?

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I have recently started another thread about this, but as I have a few friends/experts on this thread I thought I would post a question here in the hope of getting a quick answer or two

 

BARCLAYCARD

At the same time as requesting my CCA from MBNA I also requested one from Barclaycard (who I am also chasing charges back from, I am after about £900 including CI, which will clear my account.. they have already put two payments into my account, £288 and £66)

They did not send me my CCA, but my application form, and 2 printed A4 pages stapled together of terms and conditions that were not personal to me in any size, shape or form.

This account is in arrears at the moment, I owe the current bill and last months, to be truthful I simply forgot to pay the bill! I can afford to bring the account up to date this week but just not inclined.. although I know that I will.

At about 8.50 this evening I received a call on my mobile (I did not hear it ring, so did not answer it) I beleive that it was from Barclaycard. I am sure they will phone again in the morning, and I will answer it rather than have them ringing on and off all weekend.

Should I mention to them that I consider them to be in default of my CCA request? If I do it will be the first time I have discussed the matter with them, I was choosing to leave this matter until after I have taken them to court (yes Wednesday, you know where my train of thought is going with that!!)

 

Any advice anyone as to what I should say to them tomorrow? Should I push the point about my charges and lack of true CCA?

I won against MBNA, Nat West , Barclays, Barclaycard and PPI payments from Barclaycard

Abbey National still to go.... what will I do with my spare time?

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No Wednesday they didn't !!!

 

I knew exactly what I was going to say too.......

 

I was not going to answer any security questions, ie refuse to give my date of birth etc..

I was going to tell them that I insist on communication only by letter and wish my telephone number to removed from their system

I was also going to say that I did not believe that the CCA they sent me was in any way a true copy of my request, hense I would like to state that my account is in dispute.

Also, they may say that I owe them £57, but I actually beleive that they owe me £900+

 

and they didn't phone..............typical

I won against MBNA, Nat West , Barclays, Barclaycard and PPI payments from Barclaycard

Abbey National still to go.... what will I do with my spare time?

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Almost 60days passed with no agreement from MBNA. And monday the deadline is up on my LBA. Can anyone advise on the POC for non-compliance, asking judge to render account void and return of all monies (interest) etc?

 

Thx

  • Barclaycard (2 Accounts) CCA sent to both on 20.5.07 (defaulted)
  • MBNA CCA defaulted 14.6.07 (Claim £2600)
  • Capital one: Reject offer LBA 18.6.07
  • HSBC/Metropolitan/DG Solicitors: Credit agreement not found by DG Solicitors. Sent new CCA to Metropolitan 18.6.07 with original timeline 18th May 2007.

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Still they havent phoned back... Am actually wondering whether they were phoning me in respect of my claim rather than arrears??? They don't usually give up so easily, ONE MISSED CALL, that is not their style.... Will make sure my mobile is always in my pocket..

By the way Wednesday, your POC is damm good.... intersting to see if anyone adds anything to it.

I am off work for a fortnight now (old school stuff, I am a secretary in an engineering factory, and they still close down every summer for a fortnight) so I will get everything up to date.. And if I suceed in not spending too much in the next fortnight I should be able to afford to start court proceedings with my Abbey current claim, then MBNA, then Barclaycard, then Interest on Barclaycard..............

THEN...... my mother in law wants me to have a look at her banking stuff, should be a busy month........

I won against MBNA, Nat West , Barclays, Barclaycard and PPI payments from Barclaycard

Abbey National still to go.... what will I do with my spare time?

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Was the number withheld? Sure it was Barclays?

 

Cant be bad a fortnight off, just what i could do with, not off til end of August tho :(

 

My problems are hitting now, i did everyone at same time, now i need to start court proceedings, i cant afford the lot at once, i could, but then went shopping :p Im definately doing the big one against MBNA, then its either one against MBNA for PPI or another no cca one against HSBC, got a smallish one against Egg but the last letter apperently does the trick, so hoping i dont have to file at court for them.

 

Ney mind ya mother in law, do you fancy finishing mine off? :D

 

Good news tho, got my season ticket, all is well with the world :D

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Glad you got your priorities right lol :D

Yep, pretty sure it was Barclays, but maybe I will phone the number and see who answers

I know what you mean, I started mine all off together too....... It seemed like a good idea at the time,

 

Yeah! I'll take on yours for you............ I fancy the comission!

I won against MBNA, Nat West , Barclays, Barclaycard and PPI payments from Barclaycard

Abbey National still to go.... what will I do with my spare time?

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Hi kids......

 

talking about hols has got me excited.......didnt realise its only 3 weeks away.....yeeehaaaa

 

btw the poc looks ok...maybe fine tune the last bit though

 

rgds

 

Dave

** We would not seek a battle as we are, yet as we are, we say we will not shun it. (Henry V) **

 

see you stand like greyhounds in the slips,

Straining upon the start. The game's afoot:

Follow your spirit; and, upon this charge

Cry 'God for Harry! England and Saint George!'

:D If you think I have helped, informed, or amused you do the clickey scaley thing !! :D

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  • Barclaycard (2 Accounts) CCA sent to both on 20.5.07 (defaulted)
  • MBNA CCA defaulted 14.6.07 (Claim £2600)
  • Capital one: Reject offer LBA 18.6.07
  • HSBC/Metropolitan/DG Solicitors: Credit agreement not found by DG Solicitors. Sent new CCA to Metropolitan 18.6.07 with original timeline 18th May 2007.

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hey there standing

just been reading you and wednesdays threads re MBNA and i'm so impressed by how far you've come since I was talking to you last

 

I've had a settlement from MBNA re charges but the info is on my credit file

 

I'll be seriously reading and rereading your threads re CCa - as MBNA have told me on the phone today they can't produce my agreement - they are writing to confirm this

 

might be heading down the same route as yourself

 

well done for being brave enough to take these guys on

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Standing - hope you don't mind me posting this here but have been following your story with interest! Have just tried to speak to Colin Pugh/Will Wareing but have been told that they are now not negotiating on the phone with settlements and are only handling actual court claims. Apparently they are running at about six weeks before they can get a reply out due to pressure of work (wish they had given me six weeks to respond to their requests for payment!). I am fighting for the contractual interest they still owe me plus the copy of the agreement which is now well and truly in breach of the CCA. They said I would hear by the end of the week - oh yeah? Will post on my thread "empowered v MBNA" when I get any (good) news.:roll:

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