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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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      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.
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3 default notices


PayBack83
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Good evening,

 

I am new here so please forgive me if i have placed this in the wrong area. Basically i have 3 defaults with a total of 2,400 pounds, these were placed on my credit file in 2005. I settled all of them in January 2006 and they now show up as being satisfied on my credit file, is there a way i can remove these default notices from my credit file, thank you for your time.

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Hi there and welcome to the forum.

If you start a thread in the general debt forum people will offer advice on your questions.

There would be a good case if the defaults you have were put there when the amount in question was made up of charges.

 

http://www.consumeractiongroup.co.uk/forum/general-debt/

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Good evening,

 

I am new here so please forgive me if i have placed this in the wrong area. Basically i have 3 defaults with a total of 2,400 pounds, these were placed on my credit file in 2005. I settled all of them in January 2006 and they now show up as being satisfied on my credit file, is there a way i can remove these default notices from my credit file, thank you for your time.

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HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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who are the defaults with.:-|

 

if the default amount is less than charges applied to your account you reclaim your charges and request they remove the default has it was caused due to the charges.

 

i have just had a default removed by natwest and will be glad to help you.

 

my default was for £334 and they charged me £443 in charges, at first natwest offered me the £443 back as full settlement but i told them i would only accept full settlement with the default removed, in the end they gave in.:D

NatWest - £443 & Default Removal - Settled :D

Nationwide - £620 - Sent Prelim

Littlewoods - £??? & Default - Sent S.A.R - (Subject Access Request)

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at first NatWest offered me the £443 back as full settlement but i told them i would only accept full settlement with the default removed, in the end they gave in.:grin:

Banks vary in this, I had an overdraft with RBS for £900 they refused to remove the default despite the charges being £5K. This matter is now with the FOS.

 

Forgot to ask PayBack is there charges on these accounts?

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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I'm suprised cause natwest is owned by RBS when i was dealing with my case i had RBS sending me letters.

 

The default and money are dealt by different dept so you will get offered your money back first then few weeks later you should get a letter saying they will remove the default.

 

I will scan the letter and post it tomorrow.

 

Thanks

NatWest - £443 & Default Removal - Settled :D

Nationwide - £620 - Sent Prelim

Littlewoods - £??? & Default - Sent S.A.R - (Subject Access Request)

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NW and RBS are pretty reluctant to give permission to the CRAs to have the info removed.

I have an ongoing case with this in Court now.

Its likely that if you take them to Court for breaches under the data protection act,that the Court will ask if you have sent them a section 10 notice and how they responded.

In my case the Court would not issue the claim form until I had done so.

 

Your posts from Welcome merged here by the way.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Hi thanks for all your replies, my defaults are as follows:

GE CAPITAL; £951, barclaycard centre; £670 and Barclays bank; £824. And i believe i did have charges on them, however im not to sure.

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best thing to do is to send a SAR to them and get you statments.

 

Remeber to incluse £10 Cheque/Postal order and to send it recorded delivery

 

SAR - http://www.consumeractiongroup.co.uk/forum/bank-templates-library/516-1-data-protection-act.html

 

when you get the statments work out how much they charged you if its more than the default amount you should be able to remove it.

 

thanks

NatWest - £443 & Default Removal - Settled :D

Nationwide - £620 - Sent Prelim

Littlewoods - £??? & Default - Sent S.A.R - (Subject Access Request)

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Hi thanks for all your responses, may I also add that i was not living at the address where the letters were meant to have been sent to which obviously meant i couldnt have received it, does this matter?

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Hi thanks for all your responses, may I also add that i was not living at the address where the letters were meant to have been sent to which obviously meant i couldnt have received it, does this matter?

 

If they were sent to your last known address then it wouldn't make a difference. They don't have to prove you received anything just that it was sent...

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