Worded strong letter to hmcs, they state in print I have until 22nd oct to pay debt before further enforcement, which is now paid yet bailiffs arrive same day as hmcs letter... Thx 4 pm, cant pm back, username is random

Im thinking of copying both letters and sending them to HMCS and ask whats going on - 3 days difference (yet arrive on same day) and £300 of bailiff fees I know nothing about. Original debt paid in full. More I think about it the more I think this surely can't be right?? Send letter back to Lancashire Central Accounts for HMCS or is there someone else to write to? Any good tips for what to write about in such a letter?

No this letter does not mention further steps notice. Has HMCTS logo, from Lancashire Central Accounts, my address and starts Dear Sir, Re: Outstanding Account xxxxxxx and as above. its signed Yours faithfully - Designated Officer and unreadable signature. Its dated 8th October and arrived today. The Removal Notice from Marstons highlights magistrates court fine - its definitely the only one I have! It was delivered personally I believe and has 11th October handwritten on it. It also states: Due to: HMCS Lancashire Fees incurred today: N/A Amount to be paid immeniately: £369 Then a load of stuff about attending premises today to remove goods. You must make immedate payment etc. Should you fail we may re-attend and remove goods even in your absence (as in acordance with the law). etc There's an agent name and number on it but I have not contacted them in any way.

Update: Dont know if this is relevant or not but also got a letter today from HMCTS: Dear Sir, Re: Outstanding Account xxxxxxxx As you are aware on 3rd April you were ordered to pay Fines/Costs to the value of £269 by Burnley Magistrates Court. To date £200 has been paid, leaving a remaining balance of £69. Please arrange to make this payment by 22nd October 2012 to avoid any further enforcement action being issued. No mention of already in progess distress order of Marstons etc....?

Hi all, Some advice needed please, I have looked into my situation and seen so many conflicting arguments... I came home today to a Removal Notice from Marstons. This relates to an unpaid speeding fine SP30 that I forgot about and went to court - total fine £269 which i was paying at £60 per month. I had £69 outstanding and a missed payment as I was away on holiday and apparently HMCS issued a distress notice to Marstons last week. I phoned the courts today and they accepted the final payment of £69 and they said the debt was paid in full, they gave me an authorisation code for the final payment. They also said they could not help with Marstons fees. Now, marstons removal notice says I owe £300 costs and £69 outstanding court fine (£69 now paid) (They would be a letter fee and a visit fee no doubt from looking at their website.) Are they allowed to continue to threaten removal of goods for this outstanding amount (£300 of their fees by the looks of it) as the original fine with HMCS is now paid? Also the fees are more than the original fine total and much more than was outstanding when the distress notice was issued... So much contradicting advice out there I thought I should ask on here for clarification. Obviously I would prefer not to pay anymore over this massive mistake that was unfortunately forgotten about when it was only a £30 speeding fine! Cheers

Hi, thanks for replying. Im afraid my memory of the day is a bit vague as I was suffering from depression at the time, here's how I remember it: The salesman said there was some extra or other I had to have or the loan would be refused - they are the only extras I have on the agreement. I had lost the agreement paperwork years ago and only just found it again this week. Bit shocked to see the GAP/Mechanical insurance details now. I know nothing about GAP/mechanical insurance and I signed the agreement there and then the same day I went looking at the car. From the statement: They didnt recommend credit protection - PPI Recommend pack 4: GAP & MBI: They recommended Mechanical Breakdown - reason: customer has no current cover They recommended GAP finance protection - reason: customer has no current cover Also noticed the free AA recovery that should have come with Pack 4 was ticked as not being needed? Why would I refuse free AA recovery when I had no other recovery? It seems I refused PPI cover as I had full sick pay cover from work anyway but they got me with the other stuff I didnt need... Hope that helps

Hi All, Im looking back at a loan agreement with advantage finance. Just paid the last payment on this car loan and found the paperwork again, didn't realise I had GAP/mechanical breakdown insurance and definitely didn't want them or need them. In fact cant remember discussing them from 4 years ago. Ive noticed the breakdown cover was only for the first 12 months yet im paying interest for it over 4 years? I wish I had found this paperwork earlier, have I been royally ripped off here? My question is are these types of insurance reclaimable? Some Figures: Mechanical breakdown for 1 year = £395 GAP finance protection = £595 Total payable = £990 Term = 48 months Total amount payable = £1643.52 Payable as 48 installments of £34.24 APR 31.29% Total charge for credit = £653.52 Im waiting for confirmation this account is fully paid up and closed and im seriously thinking of trying for a reclaim if possible? Thanks

Here's a recap on where im up to. Started in Jan 07, requested charges from last 6 years. Got them after 30 days. Sent letter requesting charges returning as they were penalties, etc. Bank politely refused, said take to ombudsman Warned bank of court action. Bank never replied. Filled in claim form online end of march 07. Added interest. Total Claim = £1789. Bank sent in standard defence. Transferred to Rawtenstall county court April 07. Directions Hearing was today at 11.10am - i've just returned to share the experience. Bit nervous going in - I had most of my paperwork in case it was asked for. Talked to the clerk who said don't worry, call the judge either judge or sir as he's not "your honour" until high court Went in, judge explained it was not the hearing, he was now giving instructions to both sides. Lloyds TSB gave no representations. (Judge was not surprised) Asked if I had heard from bank - "nothing at all" I replied (true). Judge basically followed the draft directions that are on here, gave 14 days to get paperwork in. Said all seemed standard for these cases. Asked if I had any holidays in next few months (yes, said I, aug 5th - 19th), he replied end of august looks probable for final hearing. Also said to contact court if bank settles as they normally do in these cases. In there for total of 10 minutes. Judge mentioned these cases are normally settled before final hearing. Also mentioned the recent Lloydstsb win - said it was unusual, but it shows you need to be prepared and know your arguments. Intriguingly also hinted about "consumers vs banks" and how he was a consumer! Never asked for my case to be explained or asked me any specific questions relating to it, just gave directions. All in all a nice chap, easy to talk to, explained everthing in laymans terms. If you didn't send in a draft for drections (like I didn't) and you have to go to a directions hearing, don't worry. Now looking for T&C from circa 1999-2000, checked all our paperwork drawers, used to have select booklet and gold booklet from 2000-2002 but all been binned.

Hi All, I'm at the going to court part of my claim against Lloyds TSB. All started in Dec 2006, followed advice from here and on MSE, went through all stages, went to small claims 14th March, lloyds sent in bog standard defence their charges aren't penalties and are lawful, etc, etc. Got my first letter today from the court with the following: Claim Number 7QZ21593 Defendant Lloyds TSB DX NO: 36675 BRIGHTON 2 Date 16th April Before DISTRICT JUDGE XXXXXX sitting at Rawtenstall County Court, (court address). Upon the Courts own motion. The court has made this order of its own initiative without a hearing. If you object to the order, you must make an application to have it set aside, varied or stayed within 7 days of receiving it. IT IS ORDERED THAT There be a directions hearing on Tuesday 12th June 2007 at 11.10am with a time estimate of 15 minutes. Dated 10 April 2007 A few questions about this: 1. I will be going to this, do I need to prepare any documentation? 2. Will Lloyds TSB actually have a representative there, as so far they just filed their normal defence. 3. If they don't turn up, do I win? 4. What's the best 'direction' from my point of view that the court should go in? 12th June - that's a long time, is this normal? If it drags on after this I might get a court date in august when im on holiday?!?! I realise that some of this info. is already on here but i'm just looking for a few pointers in the right direction to the pertinent stuff. Thanks Dave