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  • FIRST POST
    • Le slug
    • By Le slug 24th May 19, 7:33 AM
    • 6Posts
    • 15Thanks
    Le slug
    Bailiffs
    • #1
    • 24th May 19, 7:33 AM
    Bailiffs 24th May 19 at 7:33 AM
    Hi,
    I had issue with some very pushy bailiffs who were threatening to put an extra £600 on top of the £220 they had already put on my debt if they had to call at my house. I was told by the girl in the office I had until midnight Friday but when I went to pay Friday morning I was told it was midnight Thursday. I know she said Friday and my letter had no day or date specified. I have the letter but they refuse to let me have a copy of the phone call. I do not want to let this go as these people are just bullying people and I canít stand it! Whatís my best course of action please? I did manage to pay them without the £600 for knocking my door! Sorry if this is the wrong place to post but I couldnít work out how to post a new thread.
    Thanks for any help!
    Le slug
Page 1
    • Gary_Dexter
    • By Gary_Dexter 24th May 19, 9:06 AM
    • 4,705 Posts
    • 3,067 Thanks
    Gary_Dexter
    • #2
    • 24th May 19, 9:06 AM
    • #2
    • 24th May 19, 9:06 AM
    If you’ve paid them without the charge and they accepted it then what’s the issue?
    • sourcrates
    • By sourcrates 24th May 19, 9:26 AM
    • 17,406 Posts
    • 16,409 Thanks
    sourcrates
    • #3
    • 24th May 19, 9:26 AM
    • #3
    • 24th May 19, 9:26 AM
    Hi,


    Who were the bailiffs concerned, and what type of debt were they collecting ?


    Edit :


    Post moved to the debt free wannabe forum
    Last edited by sourcrates; 24-05-2019 at 9:29 AM.
    I'm a Board Guide on the Debt-Free Wannabe, Credit File And Ratings, and
    Bankruptcy And Living With It, boards. "I volunteer to help get your forum questions answered and keep the forum running smoothly".

    Board guides are not moderators and don't read every post. If you spot an abusive or illegal post then please report it to forumteam@moneysavingexpert.com. Any views expressed are mine and not the official line of MoneySavingExpert.com.

    For free debt advice, contact either : Stepchange, National Debtline, or, CAB.
    • Le slug
    • By Le slug 24th May 19, 10:19 AM
    • 6 Posts
    • 15 Thanks
    Le slug
    • #4
    • 24th May 19, 10:19 AM
    • #4
    • 24th May 19, 10:19 AM
    Hi, it was exel enforcement and it was for welsh water.
    • Hasbeen
    • By Hasbeen 24th May 19, 10:30 AM
    • 1,491 Posts
    • 1,134 Thanks
    Hasbeen
    • #5
    • 24th May 19, 10:30 AM
    • #5
    • 24th May 19, 10:30 AM
    Hi,
    I had issue with some very pushy bailiffs who were threatening to put an extra £600 on top of the £220 they had already put on my debt if they had to call at my house. I was told by the girl in the office I had until midnight Friday but when I went to pay Friday morning I was told it was midnight Thursday. I know she said Friday and my letter had no day or date specified. I have the letter but they refuse to let me have a copy of the phone call. I do not want to let this go as these people are just bullying people and I canít stand it! Whatís my best course of action please? I did manage to pay them without the £600 for knocking my door! Sorry if this is the wrong place to post but I couldnít work out how to post a new thread.
    Thanks for any help!
    Le slug
    Originally posted by Le slug
    The new thread button is the big one marked NEW THREAD at the top.

    If you have paid them what you owe, what is the problem?
    • Le slug
    • By Le slug 24th May 19, 11:23 AM
    • 6 Posts
    • 15 Thanks
    Le slug
    • #6
    • 24th May 19, 11:23 AM
    • #6
    • 24th May 19, 11:23 AM
    They misinformed me and charged me 220 for it is what part of the problem is. The other part of the problem is the bullying tactics they use and the astrinomical charges they threaten you with. They wonít provide me with a copy of the recording where itíd prove they misinformed me so Iím asking for advice on how best to proceed. As stated
    • sourcrates
    • By sourcrates 24th May 19, 11:34 AM
    • 17,406 Posts
    • 16,409 Thanks
    sourcrates
    • #7
    • 24th May 19, 11:34 AM
    • #7
    • 24th May 19, 11:34 AM
    Bailiffs can charge certain fee`s dependant on the stage of the process :


    Writing to you about your debt (called ‘compliance’) £75


    Visiting your home (called ‘enforcement’) £235


    Taking and selling your belongings (called 'sale') £110
    Last edited by sourcrates; 24-05-2019 at 11:38 AM.
    I'm a Board Guide on the Debt-Free Wannabe, Credit File And Ratings, and
    Bankruptcy And Living With It, boards. "I volunteer to help get your forum questions answered and keep the forum running smoothly".

    Board guides are not moderators and don't read every post. If you spot an abusive or illegal post then please report it to forumteam@moneysavingexpert.com. Any views expressed are mine and not the official line of MoneySavingExpert.com.

    For free debt advice, contact either : Stepchange, National Debtline, or, CAB.
    • Le slug
    • By Le slug 24th May 19, 12:13 PM
    • 6 Posts
    • 15 Thanks
    Le slug
    • #8
    • 24th May 19, 12:13 PM
    • #8
    • 24th May 19, 12:13 PM
    Yes they put the 90 plus on for sending the letter. Next up the slapped 220 on for giving me the wrong deadline, stage one as he called it. He threatened me with a stage 2 fee for visiting the property of £600 and gave me 2hrs to find the money. As Iíve stated my issue is not only this bullying but the fact that they will not allow me to have a copy of or listen to the recording of the conversation I had where the girl stated I had until the Friday eve. I just wanted advice on how to proceed. But I can see Iíll get nowhere on here.
    Thanks all for taking the time to answer anyway.
    • Potbellypig
    • By Potbellypig 24th May 19, 12:21 PM
    • 457 Posts
    • 320 Thanks
    Potbellypig
    • #9
    • 24th May 19, 12:21 PM
    • #9
    • 24th May 19, 12:21 PM
    Yes they put the 90 plus on for sending the letter. Next up the slapped 220 on for giving me the wrong deadline, stage one as he called it. He threatened me with a stage 2 fee for visiting the property of £600 and gave me 2hrs to find the money. As Iíve stated my issue is not only this bullying but the fact that they will not allow me to have a copy of or listen to the recording of the conversation I had where the girl stated I had until the Friday eve. I just wanted advice on how to proceed. But I can see Iíll get nowhere on here.
    Thanks all for taking the time to answer anyway.
    Originally posted by Le slug
    On here? Or just generally?

    I'm sure you'd like to hear that they must provide you with the conversation and you can claim back all your fines plus £1,000,000 in compensation if they don't, but that just isn't the case.

    What would you like to hear?
    • sourcrates
    • By sourcrates 24th May 19, 1:33 PM
    • 17,406 Posts
    • 16,409 Thanks
    sourcrates
    Yes they put the 90 plus on for sending the letter. Next up the slapped 220 on for giving me the wrong deadline, stage one as he called it. He threatened me with a stage 2 fee for visiting the property of £600 and gave me 2hrs to find the money. As Iíve stated my issue is not only this bullying but the fact that they will not allow me to have a copy of or listen to the recording of the conversation I had where the girl stated I had until the Friday eve. I just wanted advice on how to proceed. But I can see Iíll get nowhere on here.
    Thanks all for taking the time to answer anyway.
    Originally posted by Le slug

    Bailiff regulation leaves a lot to be desired, unfortunatly your experiance is not unique, been deliberatly obstructive, and issuing threats is normal daily routine for them, you can complain to the bailiffs trade association, but don`t expect to get very far.


    Further regulation is very sorely needed if your experiance is anything to go by, parliament/ministry of justice are looking at this issue, but with Brexit, and now the resignation of the Prime Minister today, its gone on the back burner for now.
    I'm a Board Guide on the Debt-Free Wannabe, Credit File And Ratings, and
    Bankruptcy And Living With It, boards. "I volunteer to help get your forum questions answered and keep the forum running smoothly".

    Board guides are not moderators and don't read every post. If you spot an abusive or illegal post then please report it to forumteam@moneysavingexpert.com. Any views expressed are mine and not the official line of MoneySavingExpert.com.

    For free debt advice, contact either : Stepchange, National Debtline, or, CAB.
    • sourcrates
    • By sourcrates 24th May 19, 1:36 PM
    • 17,406 Posts
    • 16,409 Thanks
    sourcrates
    What would you like to hear?
    Originally posted by Potbellypig

    Probebly just a bit of understanding about how he feels for a start, what do you think ?
    I'm a Board Guide on the Debt-Free Wannabe, Credit File And Ratings, and
    Bankruptcy And Living With It, boards. "I volunteer to help get your forum questions answered and keep the forum running smoothly".

    Board guides are not moderators and don't read every post. If you spot an abusive or illegal post then please report it to forumteam@moneysavingexpert.com. Any views expressed are mine and not the official line of MoneySavingExpert.com.

    For free debt advice, contact either : Stepchange, National Debtline, or, CAB.
    • Le slug
    • By Le slug 24th May 19, 4:39 PM
    • 6 Posts
    • 15 Thanks
    Le slug
    Thankyou sourcrates, your quite right itís a problem that needs regulating properly. People donít get into these situations on purpose Iím pretty sure about that!
    Potbellypig, I was perhaps hoping to hear that somebody could advise me on the legality of what theyíve done in regards holding back information and the loan shark bully boy techniques used by the enforcement officer. Iím hoping that your bitterness and aggressive response to my post is down to side effects from some medication your using and not your usual persona. I had enough of the bullying from the enforcement Ďofficerí so Iíd rather you just ignore the post if you had nothing constructive to add. I hope your life improves and with it your personality. I wouldnít be surprised if youíd held back from saying I should never have got in the situation in the first place. I can assure you I work extremely hard in a very physical job, thankfully itís starting to pay off now and in return Iím paying off my debts and also saving money having not to join a gym, not that I would. But hey potbellypig, just as Iím not alone in being targeted by these parasites you are not alone in your bitterness and anger so Iíve had much experience in dealing with your types. If I can ever help you overcome your issues in any way just let me know!
    Again thankyou to those that replied, Iíve already contacted politicians on this issue and will continue to do so.
    Take care all,
    Le slug
    • Kentish Dave
    • By Kentish Dave 24th May 19, 9:22 PM
    • 236 Posts
    • 390 Thanks
    Kentish Dave
    Thankyou sourcrates, your quite right itís a problem that needs regulating properly. People donít get into these situations on purpose Iím pretty sure about that!
    Originally posted by Le slug
    You are very wrong about that, as shown by some posts on here. People borrow money without having worked out how affordable the deal will be. They borrow for shiny new cars, weddings, holidays, or Christmas presents, knowing that what they are doing will bring down their life like a lack of cards if they have even a single missed pay packet.

    While Iíd not support aggressive tactics, I do understand it. They have to deal with some pretty awful people.
    • fatbelly
    • By fatbelly 25th May 19, 12:14 PM
    • 13,856 Posts
    • 10,893 Thanks
    fatbelly
    Water companies use High Court enforcement, which is an issue in itself. Not only do they tend to be aggressive and misrepresent their powers, they can actually (why?) charge higher fees. The scale for HCEOs is

    Compliance Stage

    The fee for this stage is £90 including VAT.

    As soon as the High Court Enforcement Officer(HCEO) receives the sealed writ of control, they must send you a Notice of Enforcement . The Compliance Fee of £90 is added at this stage.

    The Notice of Enforcement must be sent to you personally, giving you 7 clear days (excluding Sundays and bank holidays) to pay the sums outlined. If you pay the full amount (including the £90 Compliance Fee) during the compliance stage (i.e; before the cut off date on the Notice of Enforcement) then the matter is concluded.

    If you cannot afford to pay the entire amount in full at this stage, the HCEO/enforcement agent is legally obliged to consider a sensible payment proposal. However, it is vitally important to be aware that in order to accept a payment proposal, the Enforcement Agent is obliged to make a personal visit to your premises on behalf of the creditor, in order to secure the debt. This visit will attract the Enforcement Stage 1 fee as outlined below.

    Enforcement Stage 1

    The fee for this stage is £190 plus 7.5% of the sums to be recovered over £1,000 plus VAT. For example, if the outstanding debt is £3,500, the 7.5% would only be charged on the sum over £1,000 (i.e; £2,500).

    At this visit, a payment proposal may be agreed but in order to satisfy the terms of the writ of control, the High Court Enforcement Officer must seek to secure the debt on behalf of the creditor by getting a Controlled Goods Agreement signed. By signing the Controlled Goods Agreement, you will be able to retain the use of the goods listed but these goods may be taken at a later stage if you default on the payment agreement.

    It is vitally important to make clear that if you do have available goods that can be taken (usually a motor vehicle) and you refuse to sign a Controlled Goods Agreement, then the High Court Enforcement Officer is legally entitled to immediately remove goods and accordingly, he may then charge the Enforcement Stage 2 fee below.

    Enforcement Stage 2

    The fee for this stage is a flat fee of £495 plus VAT.

    If you fail to make any payment or enter into an acceptable instalment arrangement covered by a Controlled Goods Agreement, or default on a previously made agreement, the High Court Enforcement Officer is obliged to re-attend your property with a view to removing goods. If preparations are made for their removal, the Sale Stage Fee as outlined below may also apply.

    Sale Stage Fee

    The fee for this stage is £525 plus 7.5% of the sums to be recovered over £1,000, plus VAT.

    The costs of removal are normally included in this sale stage fee. However, in very limited circumstances, it is possible for the enforcement agent to apply to the High Court for an order that they may recover exceptional expenses from the debtor. It should be made clear that such an application requires the consent of the creditor and should only apply in exceptional cases. For example; this could apply where the HCEO is anticipating removing an item such as a boat, motor home, heavy machinery etc.

    The only other fees chargeable (without application to court) are for disbursements such as locksmiths, storage and auctioneers fees.
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