The amount was a loan from quickquid for £160 of which I paid £200 back and the amount the ccj is for £1200 and the ccj was by default most of this is late fees and legal fees.

I have got an ccj against me from Cabot financial we have had a visit from an county court bailiff regarding this of which I refused to deal with him and certainly did not get entry into my property I have now received a final notice letter stating that they have no alternative but to attend with vans and porters to remove our goods for sale am I right in thinking that unless they gain peaceful entry this will not happen I do not own a car and they is nothing of any value outside Thankyou for any advise in advance.

Hi Guys We have had a reply from collectica and they have said that they have followed procedure as guidelines so they have upheld the complaint our local MP Craig Whitaker conservative has shown no interest whatsoever he has replied stating that he is sure that they have followed procedure we are still awaiting a response from CIVEA. Today she has a visit from the bailiff and had a notice of removal of goods for non payment of fine which is wrong she paid the fine and she owes them their fees so how would they get to that assumption unless they have taken their fees first so the fine is still outstanding of which this surely this cannot be right. So what would be the next step short of going to the press with what we have so far with these thugs and bullies. How can bailiffs sleep at night I do not know I could not but then I suppose I have got morals unlike these animals or do the just get some sort of kick out of what they do who knows.

Many thanks all Quick update they never showed today I have written letters of complaint to collectica and the magistrate court as well and also I have written to her local MP as well so lets see what happens I will keep you all updated.

Would it be possible to PM one of the site team the bailiffs name to check if the bailiff is on the register

I have tried both the agents name and collectica on the following site http://certificatedbailiffs.justice.gov.uk/CertificatedBailiffs/newsearchPublic.do?search=collectica could you please send me a link for the other list.

Will send complaint interestingly the bailiff name on the letter is not showing Certificated Enforcement Agent (Bailiff) Register

The bailiffs have called my daughter saying she owed them the rest of the money and they will be attending to remove goods despite her paying what she owed them for the first letter and them attending before the expiry date on the letter. She has told them this and they have said that because they attended that cancelled the letter her out and therefore she still owed them the money. Also the have told her that if she is not in when they attend that they will have an arrest warrant out for her and have her put in prison until she goes before a magistrate and that they have already got a warrant to gain forced entry he also made reference to my grand children saying that she may be seen as being an unfit mother if she ends up in front of the magistrates she has got all this recorded she has got an hospital appointment today for a procedure that will prevent major surgery and she must attend the bailiff said that this was more important to pay them and that she has to cancel that so they can collect and save herself from being arrested. What is the best way forward to complain against these monsters considering the evidence we have what truth is there in the bailiffs latest rant. Also she must surly be classed as vulnerable being on benefits and also being very ill and advise on that would be great.

We have sorted it hopefully the bailiff attended 2 days earlier than was on the first notice that was dated 16/07 and not 14/07 when they attended we have paid the fine and the £75 fee so that should be the end it I hope I know some of you will be bailiffs and nothing personnel but a big percent of bailiffs really are the pits how can they sleep at night knowing they have reduced and terrorised young vulnerable people who are often single parents with nothing to tears and scared them half to death to lead them going to the Wonga's of this world to pay them. People get into debt for all sorts of reasons more often than not through no fault of their own surely we as a civilised society need to protect them rather than let these animals be set onto them. After seeing what my daughter has been through and reading a lot of threads on this forum the debt collection industry/enforcement industry really does need to be brought into the 21st century and not left in bygone era that it clearly lives in.

That's what I thought sparks I have no intention of putting on YouTube etc anyway I would not know how to I told the bailiff the recording was for me and my daughters protection and for evidence if need be. I thought that the bailiff would have to get a warrant from the magistrates court before attempting forced entry even for a TV licence fine. Also would the court grant this with a 3 and 5 year old children there. She has also payed every week on her payment card since so I would hope this would prove its not a case of she is not a wont pay but cant pay and that would stop forced entry. Do they have to do a risk assessment before forced entry as well .

Also the fist letter that she got with the £75 fee which said she has 14 days to pay or the bailif will visit and the £235 cost will also occur does not expire until Thursday but the bailif said that did not matter and he still wanted all.Can he do this?.

Update sorry for the delay in response I have been working long shifts away. The bailiff returned this morning and put another letter through her door and its occurred another £235 in costs she rang the number that was on the letter and the bailiff said that he would return and empty her house this afternoon if she does not pay £500 what it has now escalated to. I could help her next week when I get paid but they will not except that so she will have take a payday loan to pay this when he returns which will mean more debt that she will not be able to pay she told the bailiff this and he said good it will mean that he can return again soon. So is this behaviour acceptable can a bailiff frighten a young girl on benefits so much that she goes to the legal loan sharks for the money to pay them. Grumpy she does not want the debt writing off she missed one payment of £20 on the plan she had because her partner was late for an appointment at the job centre due to an traffic accident on his way there and was sanctioned by them for 7 days all she wants is to continue to pay the plan that she can afford. He has threatened me for recording the phone calls and would not give her his name is this right he also said it was against the law to record him in anyway whatsoever and that the equipment would be ceased and destroyed She has got most of this conversation recorded so would it be worth complaining against this bailiff and collectica

My daughter fell behind with 2 payments on her payment plan due to her partner and her benefits being stopped she has now had a Compliance letter with the £75 fee which she cannot afford we have called collectica and they put us through to the bailiff who was very rude and said he wanted the full amount(£276.45) and it was not negotiable I then spoke to him and informed him that I was recording this conversation of which he told me that it was not allowed and I was going to get sued by collectica.The main point that I am trying to find out is will she be classed as vulnerable as the are both on benefits and have 2 children under 5 also we have been in contact with national debt line and sent collectica an income and outgoing sheet to prove that she cannot afford to pay what they want but they have refused and told us that they will go back to court get a forced entry warrant and empty her house that was the word the bailiff used can they do this? she has started to make payments through the payment facility on there website. thanks for any advise.

I have been bombarded by mmf over the last week regarding a swift sterling debt they have called me a grand total of 267 times in the last week sent me 30 emails and 96 texts and 2 calls to my work place what can I do to stop this I have not spoken to them and do not intend doing so but I would like to stop the from harassing me like this surely this cant be right are they allowed to do this.

My daughter who is 21 has received a letter from the HMRC about an £4K tax credit overpayment Threatening her with bailiffs and a distraint order she is on benefits and cannot afford to pay this amount back .We have phoned the number on the letter and they have said that because she is on benefits that they will properly put this on hold until her circumstances change but need to do an income and expenditure form which she would be happy to do but the problem is they have said they will only do one on the phone and not in writing surly this cannot beright when I asked the person on the phone she was adamant that nothing wouldbe accepted in writing and it had to be done on the phone due to the office being paperless. Any advice would be great. Thanks in advance Steveball1966

Sorry guys just relised that taking a closer look at the docs about the addresses my eyesight is not great and I am at work and not using my glasses.

Sorry for no update I have filled in the N244 and I am waiting to get to get paid my salary this week and send off I have had a letter offering an £155 discount on a £445 demand from simpsons legal who I think are really safeloans considering they have the same address and telephone number .I will try to post the documents up at the weekend when I can have the use a scanner.

Renagadeimp I have found the N244 form on the hmctsformfinder web site andwill print and fill out and send off stating I never received the court paperswhen I get back tomorrow.

Thanks guys I am really surprised at the quick replies Ihave had a quick look at DURKIN V DSG RETAIL LTD AND HFC BANK LTD case and will read proper tomorrow as I have to work tonight and will be replying to your help tomorrow I do not want to apply for any credit now but I do want my name cleared just in case I need to in the future. My wife said that the loan was approvedin principle the turned down due to the fact I could not provide wage slips that showed I was earning enough as I was on sick at the time I applied which was Feb 2012 .

No we have lived here for 25 years

Safeloans have got a ccj on loan that they refused me even though dispite numerous letters and my bank providing evidence that they never paid into the account theyhave stated the loan should have been paid into. I have now had a letter today fromthem saying that they are going to apply for an attachment of earnings but if Icontact them they can offer a 40% reduction I also never even received anycourt papers before just the judgement papers I have also checked my credit files and the judgement shows. What can I do to stop them getting an attachment of earnings for a loan I did not have they want £445 for a supposed £150 loan.

I have received a number of phone calls from a dca called akinika (formerlyiqor) for a eBay sellers fees for £24 of which £14 is the eBay fees and £8pound is there fees I have paid eBay direct and have refused to pay the dcathey have said that they will still chase me for the £8 and will add interestcan they do this. The other concern is the security questions when they phoneis to confirm my address and that’s it any body who’s in the house could dothat surely they should be asking more than my address

We have recieved a post card from cfs holdings saying they are doing a home visit tomorow (Weds) is this just a threat or will they it is for my step son who has mental health problems this is for a capital one debt that he cannot afford to pay much to being on benefits.any help would be great thankyou

Hi Send mmf the following letter recorded delivery type your name do not sign this will get them off your back and look for this video on you tube very informative UK DEBT COLLECTION - how and why they lie to you Part 1 Dear Sir or Madam, Account Ref:Your ref Please be advised that I will only communicate with you in writing. I havenoted your repeated attempts to contact me by telephone/Text over the past fewweeks and these have been duly logged by time and date. Furthermore, should it be your intention to arrange a “doorstep call”, pleasebe advised that under OFT rules, you can only visit me at my home if you makean appointment and I have no wish to make such an appointment with you. There is only an implied license under English Common Law for people to be ableto visit me on my property without express permission; the postman and peopleasking for directions etc (Armstrong v Sheppard & Short Ltd [1959] 2 QB384. per Lord Evershed M.R.). Therefore take note that I revoke license underCommon Law for you, or your representatives to visit me at my property and, ifyou do so, you will be liable to damages for a tort of trespass and action willbe taken, including but not limited to, police attendance. Yours Faithfully

Send the dca this; http://www.consumeractiongroup.co.uk...DOORSTEP-VISIT must go recorded signed for post.