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    • Stop worrying about bailiffs and read what dx100uk  has posted  ..........................................................
    • The two companies are lowell and cabot.   I'll get the information and come back with it.   I did do quite a bit of 'Google' research before coming on here. There's a lot of confusing information out there they seem to tell you half the story.   Just so I'm clear. Bailiffs in my situation, if authorised by a court. Can enter the property through an unlocked door and seizure goods? Or can they not do that with a consumer credit ccj? Or point me in the right direction so I can read up on it.   Thank you for your help. It's good to finally speak to somebody who tells you how it is.
    • I've just acknowledged the claim and im reading up on how to do the cca and cpr requests now.   Thanks for all your help         Edit:   I was jus reading the cpr 13 template and it says i am requesting: " (template removed - dx)
    • Hi dx   Post 23 letter has been hidden as has a name in it. I did read the thread and in post 7 saw mention of 'must complain within 3 years of being aware it was mis-sold' if this is what you are referring to? Also my policy is live currently.   I think you know this, but it seems the RBS/Halifax agent doesnt know, that 'I became aware it was mis-sold just before I raised my claim (2019) having read a media article'  as I dont think the PPi team showed them the original claim form maybe, who knows.   Expanding, sorry I missed the word PPi after 'loan' in my post you quoted and highlighted. To be clear, the life protector was not for a loan, but a mortgage, and that mortgage did have a mis-sold PPi on it which they have admitted and refunded.   If it helps, I have several mortgage offers here from 1999 and they say 'Minimum life cover to be assigned to the bank'    The odd thing here is, I started the mortgage and PPi in 1999 but it was 2003 this life assurance started. I do categorically recall being told it was something I had to have though.   Many thanks   E 
    • MP's are good for other things but for some reason are not very good for Council Tax.
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    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
      • 33 replies

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just read this article by a 'gemma wheatley' in our local paper. the croydon guardian.

 

a bully bailiff who forced his way into a croydon familys home has had his licence revoked.

julie sutton and her partner were terrified when self-employed 'nathan bachelor', working for 'equita', woke them up and forced his way into their addiscombe home.

 

the debt collectors were looking for the previous tennants of their home, who had failed to pay a £50 parking fine issued by croydon council.

 

the men from the northampton based company also woke up the couples 3 year old daughter and refused to leave when asked.

 

they then unplugged electrical equipment and threatened to take them away, despite being repeatedly told that the people they were looking for had gone. it was only when the police were called the men left the house.

 

northampton county court took action against 'equita' and 'mr batchelor' was called to explain his actions.

 

last week a judge took away his licence and ms sutton and her family were awarded £2000 compensation. end quotes.

 

i would have loved to have been in court to see the faces of those so called gentlemen.

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If everyone who does have Bailiffs at their door should remember you do not have to let them in. I have had to deal with Equita and was horrified how they behave. Write to the council who you are under and complain you never know they may just stop using them if enough complaints are recd.

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If everyone who does have Bailiffs at their door should remember you do not have to let them in. I have had to deal with Equita and was horrified how they behave. Write to the council who you are under and complain you never know they may just stop using them if enough complaints are recd.

 

... and gather as much evidence as possible (including any neighbours who may have heard / seen something).

 

Try to deal ONLY with the Council (copying-in the bailiffs) - then the need for bailiffs will disappear and the poor things will be out of work !

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Form 4 is the way forward especially to Northampton the district Judge is very clued up

 

SFx

 

I'm in the process of making a complaint aginst a bailiffs certificate from Northampton County Court, what is this form 4 you speak of?

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