Marshall Hoares Bailiffs - Unfair threats & charges

bexiboo92

HELP! Got home today, to be welcomed by this email. I've received one before but the visit never actually happens. Any advice welcomed please! :

BY LETTER AND EMAIL

Online payment ID:
Outstanding amount: 1000

Letter of Instruction & Notice Reminder

Reference: BAILIFF/INTR/
Client: Speed Credit - Speed Credit Loan**


Date: 20/06/2012

Dear

We are writing to give you formal notice that Speed Credit - Speed Credit Loan** has legally assigned the rights of the above debt to Marshall Hoares Bailiffs. This means that Marshall Hoares Bailiffs Limited now legally own this debt.

YOU WILL HAVE OR WILL SHORTLY RECEIVE A HOME VISIT

We intend to pursue you fully for all outstanding sums (GBP 1000) including any fees we incur collecting this debt. Payment in full mu st be received no later than 17:00 to avoid further door collection fees being added to your file. DO NOT IGNORE OR THIS WILL COST YOU MORE



Total GBP 1000

TAKE NOTICE: You should accept this letter as formal notification that unless payment is received within 4 days then your account will be fast-tracked and considered for the following:

Consequences of inaction:
1. Court Judgement legal action will be automatically started in the County Court for recovery of the full amount outstanding. Any such proceedings will include additional claims for legal costs and inter est which will increase the amount you will be required to pay.
2. Warrant of execution will be applied for to enable us to seize goods at your addresses and or an attachment of your earnings.
3. Register of Judgements any judgement will be entered in a public register, the Register of Judgements, Orders and Fines Credit Reference Agencies, who will supply them to credit grantors and others seeking information on you financial reputation. This will make it very difficult for you to get credit.
4. Credit reference Speed Credit have already advised the Credit Reference Agencies of your DEFAULT. This may seriously affect your ability to obtain credit in the future. Once the balance is paid in full, only then will the default be shown as “Default Satisfied”.

To AVOID A HOME VISIT or further action you should PAY IMMEDIATELY

1. online using a card by visiting:

https://www.marshallhoares.com

OR

2. at ba nk either over the counter at the bank or by electronic transfer to:

Barclays Bank
Account Number: 93462382
Sort Code: 20-50-94
Reference: Use your mobile number as a reference

This debt will not go away and should not be ignored


Yours Faithfully



Anti - Fraud
Marshall Hoares Bailiffs

worried_jim

Don't worry. It is just a scare tactic, no one will ever turn up at your doorstep as it is pointless for them as they have no rights to enter your property, if they attempt to step onto your property just tell them to "jog on", there is nothing they can ever do.

A debt collector is NOT a bailiff

Some collection agencies may threaten to send someone to your home if you refuse to pay them the amounts they request. As a representative of a Debt Collection Agency, they have no powers at all. You do not need to speak to them if you do not wish to.

http://www.payplan.com/debt-library/bailiffs-bailiff-law.php?gclid=CLPal6Sh3bACFTMetAodYiJ9xQ

billinghamfan

Bexiboo92

DO NOT PANIC

Read my thread on them 'help - can they say this' I have been receiving the same letters for months!

Send them the standard I remove the right to come to my house and send it on there template thing but use the I have not received a letter option this option does not block certain words, they will ignore your letter but you have back up if they ever turn up but I doubt they will!

System

Edit your post to remove all names/numbers/references. Never a good idea to post these

It's designed to be threatening and to pressure you. Full of what they might do, what they'll likely do is send you more letters and emails.

What you should do depends on your circumstances, it would be well worth a visit to your local citizens advice. Do NOT phone these people, if you choose to respond, write, but get some advice before you do anything.

bexiboo92

mutzi wrote: »

Edit your post to remove all names/numbers/references. Never a good idea to post these

It's designed to be threatening and to pressure you. Full of what they might do, what they'll likely do is send you more letters and emails.

What you should do depends on your circumstances, it would be well worth a visit to your local citizens advice. Do NOT phone these people, if you choose to respond, write, but get some advice before you do anything.

Thanks for the reassurance. I've already looked into a debt management plan; just waiting on the paperwork. And hope to pay a little bit off this debt on payday to keep them quiet.

thechippy

Don't be frightened by these cretins.

If they start rambling on about adding charges / interest etc, write and ask for a copy of the documentation / legislation upon which they rely to add such charges...;)

If a doorstepper DOES turn up, just tell them to get lost or you will call the police.

This is the usual scare tactics from such scum.......:mad:

bexiboo92

thechippy wrote: »

Don't be frightened by these cretins.

If they start rambling on about adding charges / interest etc, write and ask for a copy of the documentation / legislation upon which they rely to add such charges...;)

If a doorstepper DOES turn up, just tell them to get lost or you will call the police.

This is the usual scare tactics from such scum.......:mad:

thanks. Do you know if they can charge me for "missed payments"?

thechippy

Personally, the first thing I'd do is carry out a CCA request to see what documentation they actually have.

Dca's do have a habit of adding "unlawful charges" and rely on the ignorance of the debtor.......;)

"Doorstep collection fees" being one good example of the total crud they come out with......

bexiboo92

thechippy wrote: »

Personally, the first thing I'd do is carry out a CCA request to see what documentation they actually have.

Dca's do have a habit of adding "unlawful charges" and rely on the ignorance of the debtor.......;)

"Doorstep collection fees" being one good example of the total crud they come out with......

Do I write to them to request this?

Thanks for all your help

thechippy

Send this by recorded delivery - and print, don't sign.....;)



The Loan Company

Dear Sir/Madam

Re:- Account/Reference Number 4563210025897412

This letter is a formal request pursuant to s.77/78 of the Consumer Credit Act 1974. I require you to provide me with a true copy of the credit agreement relating to the above account, together with any other documentation the Act requires you to provide.

I expect you to comply fully and properly with this request, within the statutory time limit. You are reminded that should you fail to comply with my request, the provisions of s.77 will apply.

If it is your view that you are not the creditor, s.175 of the CCA 1974 applies in the case of a simple assignment, and places a duty upon you to pass this request to the creditor. In the case of an absolute assignment, you are a creditor as defined by s.189. If you contend that you purchased the rights but not the duties of any agreement, you are reminded that s.189 of the Act is clear that an assignment is of both rights and duties.

Your attention is drawn to ss.5(2), 3(b),6 and 7 of the Consumer Protection from Unfair Trading Regulations 2008 (CPUTR).

I enclose a postal order in the sum of £1.00, which is the statutory fee. Note that these funds are not to be used for any other purpose.

If you are unable to comply fully and properly with this request, you should confirm this in writing at the earliest opportunity, and certainly within the statutory time limit for compliance, and return the fee.

We look forward to hearing from you.

Yours faithfully

bexiboo92

thechippy wrote: »

Send this by recorded delivery - and print, don't sign.....;)



The Loan Company

Dear Sir/Madam

Re:- Account/Reference Number 4563210025897412

This letter is a formal request pursuant to s.77/78 of the Consumer Credit Act 1974. I require you to provide me with a true copy of the credit agreement relating to the above account, together with any other documentation the Act requires you to provide.

I expect you to comply fully and properly with this request, within the statutory time limit. You are reminded that should you fail to comply with my request, the provisions of s.77 will apply.

If it is your view that you are not the creditor, s.175 of the CCA 1974 applies in the case of a simple assignment, and places a duty upon you to pass this request to the creditor. In the case of an absolute assignment, you are a creditor as defined by s.189. If you contend that you purchased the rights but not the duties of any agreement, you are reminded that s.189 of the Act is clear that an assignment is of both rights and duties.

Your attention is drawn to ss.5(2), 3(b),6 and 7 of the Consumer Protection from Unfair Trading Regulations 2008 (CPUTR).

I enclose a postal order in the sum of £1.00, which is the statutory fee. Note that these funds are not to be used for any other purpose.

If you are unable to comply fully and properly with this request, you should confirm this in writing at the earliest opportunity, and certainly within the statutory time limit for compliance, and return the fee.

We look forward to hearing from you.

Yours faithfully

That's great, thanks for all your help. Will let you know the outcome