Found this on the Mail where people are being hit with default CCJ even for a penny they know nothing about until the bailiff knocks or they are refused credit. It seems Crapita AKA parking Eye are getting default CCJ on alleged debts of a penny, as in o 0.01p. http://www.dailymail.co.uk/news/article-3784421/Stranger-s-40-parking-ticket-cost-family-new-home.html

Hi everyone my husband is now having a home vist from the pip on tuesday we did not ask for this he had just passed his esa medical in june can any one tell me what they do at a home vist thanks in advance love this siite

Hi guys, hope everyone is well. Been on this site a few times and think it is a superb tool and helps us against the bully boy company's out there who try and feed on hardship and vulnerability. Hopefully I can add some advice or help in the future. I have a question of my own if anyone can help. Today I had a doorstep visit from a company called Fidelite. They asked who I was so I asked who he was and his face was a picture. I never gave him my name and told him politely to jog on. He is chasing a loan debt that I took out in 2004 and haven't paid or acknowledged the debt since at least 2006. I am sure the debt is now stat barred. Question is did I do the right thing. Regards and thanks in advance. Staffy.

What is the best way without costs to inform a debt collection agency my son does not live at my address and prevent further visits to my home address. My son does not live with me and the only connection to my address is he used it once as a care of address to have his NI number sent. Woke up to find the bailiff stood in my living demanding monies for an unpaid motoring fine, was totally unexpected so my doors were not locked....they are now... any ways, my son was at my home at the time of the visit but gave a false name. Right or wrong I told the bailiff my son did not live at this address and had no property at this address and therefore he had no right to be in my property and used my body to direct him out of my living room, there was some resistance on his part but eventually I had moved him to my front door. He then said he was calling police as i had assaulted him by touching him but after 10 mins apparently trying to get through he said he couldn't be bothered and left in a huff. Would a simple email suffice or will I have to pay for a statutory declaration ?

Hi All, Yesterday whilst I was out at work, I had a surprise visit from a bailiff who handed over a letter to my boyfriend stating that if I don't complete the means form & return it, I could be sent to prison. This came totally out of the blue to me as I haven't had any court order letters & I was confused about where this had come from or what it was related to. Quoted on the letter was Phoenix recoveries which also means nothing to me, I have had no correspondence from this company I called the bailiff and all he could tell me is that it was from a debt in 2005 and it is for collection charges. The original debt was £4300 and the amount they are now seeking is £1400. I did default on a loan around that time and was subsequently given a CCJ which has now been cleared from my credit history as 7 years has passed since the CCJ was issued. The bailiff gave me the number of the solicitors (Mortimer Clark) to call and ask them but I just wanted to ensure that I have all the information I need prior to discussing with them. I'm sure this can't still be chased 11 years after the original debt, especially if I have already previously been issued a CCJ I really am not sure about this and could do with some help with facts prior to calling the solicitors. Sorry for long winded post but I wanted to get all the information in & hopefully someone can give me some guidance. Thanks in advance Rach

Hi all Can an Enforcement company add all there fee's on after the compliance stage (£235 and interest) before they try to enforce? I know it would be irrelevant if they take control of goods just curious if that was allowed. leakie

I haven't been to the doctors for over 30 years so I am not sure what the procedure is any more and I have multiple issues I need addressing that require me to bite the bullet and make an appointment. I need the doctor to confirm in writing I have 1, colour blindness 2, fear of heights 3, motion sickness over long distances I am not sure how apart from colour blindness he would be able to diagnose the other problems, will the doctor just deal with all 3 in a single session and accept my word , will he even entertain such a request, would there be a charge if I am in receipt of JSA ?

Hi, this is my first post on the site and I hope someone can help. I am self-employed, based at home and have 2 Limited companies (1 active and 1 dormant). Business has been very difficult over the last couple of years and cash flow has been a major problem. On the 9th July a high court writ was issued against my dormant business for £1,717.66 and Court Enforcement Services Limited were given the job of enforcement but I did not receive any Notice of Enforcement from them. On the 1 Aug, 2 enforcement officers came to my home (where the dormant business is registered) and said they were High Court Bailiffs and had come to seize goods. I asked to see the writ but they only very briefly showed my an Ipad type device but wouldn't let me examine it. They then just brushed passed me and entered my home through a patio door. I informed them that I had not received any notification which they just dismissed out of hand and said that we were now at stage 2 anyway. I told them I didn't know what they were talking about and needed to see the proper documentation. I asked what the amount owing was and they told me £3,399. I told them that the business was dormant and had no assets and they said that they would take whatever they wanted from the property and began collecting my laptop and printer. I told them that those items did not belong to the dormant company but I was told I had to prove it. I began finding proof for them and I also told them that removing any other items was going to affect my ability to work and run my active business. They ignored this. Having proved I owned the items I was asked if I was refusing to pay which I said I wasn't refusing to pay I just needed some time to get the money. I was told I needed to pay immediatley or other goods would be removed. They threatened to remove a horse transport lorry whose value is far in excess of the amount owed. I was able to prove that that vehicle was on a HP agreement. They also threatened to remove horses from our field. I had to repeatedly ask to see paper copy of the writ and they eventually went to their van and printed one. That is when I saw that the original amount was only £1717.66 and I asked why they were demanding so much more. They said it was down to the fees that had been added. I asked for a breakdown of their fees and they said they would provide that later but said that because I wasn't going to pay we were now at stage 3. I told them I still didn't know what they were talking about but they didn't explain. I had also been telling them that I could pay because I was owed money through my active business and the payments were due to go into my account at any time (I even had remittance advice notes from companies making payments but they were not interested). They repeatedly threatend to remove goods and apply more fees unless I paid immediately and they then began going round the whole of my house (kitchen, bathrooms, bedrooms, childrens rooms etc.) looking for things to remove, I told them I needed some time to make some calls and get the money, which I did. Luckily I was able to get someone to pay me straight away and once I had received the money in my account I paid the enforcement officers by debit card. They wrote me a receipt but failed to give me a breakdown of the fees. I asked for one but they claimed they couldn't get an internet signal to print it from their van. They said they would email it to me but I didn't get an email from them either. I emailed their office the next day and they provided this breakdown: Dear Sirs With reference to your email dated 2 August, please see below a breakdown in this matter as requested: Writ amount: £1,717.66 Interest on writ amount (@8%) from date of writ to date of payment: £9.46 Compliance Fee: £90.00 Enforcement Stage 1 Fee: £228.00 7.5% Fee of amount over £1,000.00: £65.41 Enforcement Stage 2 Fee: £594.00 Sale of Disposal Fee: £630.00 7.5% Fee of amount over £1,000.00: £65.03 Totals: £3,399.56 The above fees are inclusive of VAT at 20% They also added: "There is no requirement to actually remove goods for the Sale or Disposal fee and 7.5% fee to be applicable, the commencement of the process is sufficient for the application of the sale or disposal stage fee." Having done some reading and trying to check the facts I think they have charged too much because this was their first visit and full payment was made, no initial Notice of Enforcement was received, they failed to give proper notice of moving to the next fee stage, no 'Notice After Entry' form was given, nothing was itemised or removed, no control of goods notice was written up or issued. They also knew the exact total figure (Including the fees) shortly after entering the premises. They provided no explanation of that, or their fees and no explanation of my options/consequences etc. They were just very high pressure and applied more pressure whenever I asked a question. I am going to make a complaint to them because I believe they have charged too much and I think I should be refunded some the fees. I accept that they attended my property so up to level 1 Attendance on the fees scale is correct but above that I think is incorrect. Can anyone with knowledge in this matter please advise me? Sorry if my post is too long but I wanted to give as much info as possible. Any help or guidance will be greatly appreciated! Thanks.

Hi, I wonder if anyone can give me help. My husband has been on DLA & Income support for several years, now they say he has to be on PIP. He has various mental health problems over the years now he has another one, he will not leave the house, he has only left the house 3 times in four years twice during a heart attack and the last time last year with a severe panic attack, on all three occasions he was in a ambulance and off to hospital. He is frightened of so many things (to many to mention) but two of the things he is most scared of is hearing people talk, and germs. So he will not go and see a GP, he discharged himself after a few hours in hospital after his second heart attack, (which was brought on by me telling him that I have had enough, and was demanding that he see a GP) . This is the problem, he has to have a visit next Monday 25th at our home, there is NO WAY he will agree to that, so what shall I do, I have a appointment tomorrow with his GP, I was thinking of asking for a letter from him telling them that he is too ill, our old GP did this two years ago, but they have just ignored this. I do know that they can not just take my word for it, that he is too mentally ill to speak to them, he wont even speak on the phone to people. When they wanted a face to face about 2 years ago, and he would not attend, they cancelled his claim, he had a Tribunal case, (which he would not attend) they eventually awarded him (after the second tribunal) his claim, and they back dated his money. This took months of having no money, I am frightened that this will happen with his ESSA as well, the only reason they have not bothered yet, is because they said a home visit will take time to arrange? All this is keeping me awake at night, he will not see anyone, he wont go anywhere, all I can do is go to see his GP. Has anybody got any ideas what I can do.

I got this form a few days ago and I need to return it by the 22nd (less than a week from when I received it). And I'm really not 100% certain how to fill in the box. It does say 'briefly' but I'm worried that if I don't put in enough information that it may go against me when I fill out the actual PIP forms when my son is 16... My son has a diagnosis of ASD and had been getting high care and low mobility (the welfare officer at cab several years ago advised that I should appeal for higher mobility but I was just happy to get something and didn't want to go through an appeal even though he wasn't the only person to advise that). My son has no concept of the value of items at all and there is no way he could manage his own finances but I really have no idea how to explain that. Any help/advice greatly appreciated

Please forgive me if I'm going over old ground and the info I seek is already out there but I'm very distressed and up against time. I have an outstanding debt to a private members club which despite my disputing the charges ( i cancelled the membership when i hit hard times) has apparently gone to court I received a NOTICE OF ENFORCEMENT a couple of weeks ago for the sum of #1200 approx from CES.. ..asking me to pay or make an arrangement by 21st July I am used to being sent intimidation letters by DCA's and I took no notice this morning 22nd July two CES enforcement people turned up at my door demanding nearly 2700 pounds that apparently includes further costs as its gone to high court.. ..to be honest they took me by surprise at 6.30 this morning and I was going to pay but haven't got this sum available.. .Ive told them I will look to sort it today to buy time now I dont know what to do to avoid what they say is next which is a warrant for my arrest as well as removing goods (which I know they are not entitled to do if my small knowledge serves me right. HELP! Do I try to make an arrangement with the company? What about these exorbitant extra costs? Any help very gratefully received as Im at my wits end! Thank you

I am wondering where I stand with this. I have been told that Dukes Bailliffs made a visit to my workplace today. They handed a letter to one of my employees. However this letter had my contact name but another companies address, which is just around the corner, said employee thought it was for them and they had got names mixed up. the company opened the letter which they found was from Dukes Bailliffs but was infact for me. I had my name and personal address inside, saying the same old thing. We have visited your home today and you have 7 days to get in contact. With how much I owed in Council Tax. They immediately returned the letter to me, but wanted to know why their address was on it. They contacted Dukes and asked them, they were told that my council had given them the business address along with my details as a director of that company, as they were unable to get a hold of me at home. They said their company must have something to do with mine. Can they actually visit a place of work and harass one of my employees, and also this has caused quite a bit of embarrassment, on both my part and the company who the letter was addressed to. Isn't this a breach of data protection.

Hi all. I had a business that has ceased trading as it didn't go as well as I'd hoped and I had a debt with a mobile provider. Cut a long story short, the debt was for £3400 and it has been passed to a HCEO. I have found out that it went to court and a ccj was issued by default which has now been transferred to HCEO. The business was registered at my home address just for administration purposes and there are no assets or anything to do with the business at my address. Can the HCEO force his way I to my house and if so can he take my personal belongings. I have read that I have to prove that the items in my house belong to me or they can take them. How do I do this. Thanks

Just when I though I was getting my life under control a letter drops through the door from Court Enforcement Services of Waltham Abbey. They want 25% of £3515 by 23rd September or they will commence enforcement procedures. Another visit from bailiffs of any kind will push my partner over the edge. We are having enough trouble as it is and now with this out of the blue! The debt by the way is for some solicitor's fees I owe from a couple of years ago. What can I do as I can't find £879 by next Wednesday? Desperate!!

Britons travelling to the United States have been warned to check they have an e-passport, or risk being turned away. New rules requiring US visitors to have passports with a biometric trip came into force on 1 April. Tour operators have urged customers to check their passports. Biometric passports are identifiable on British passports by the camera logo at the bottom of the front cover, and have an embedded electronic chip holding the carrier's facial details, in a bid to combat fraud and forgery. Passports issued in the UK after October 2006 should have one of these logos on them and it means there's an embedded chip in it. http://www.bbc.co.uk/news/uk-36228034

Hello, I had a payment plan set up with JBW to pay monthly, I all payments had been met except my February payment was made 2 days late due to me not being paid myself (self employed). Today i had a visit from a bailiff stating that because the payment was late that it has now incurred a £235 fee on top of what was outstanding. The thing that really stings is that i only had 1 payment left to make for a sum of £138 (due end of March) so now the total has sprung back up to £373!! I have spoke with somebody from JBW and said that i had no correspondence from them saying that the matter would be passed to the bailiffs because of the late payment. They said they had text me and emailed me (i received neither!) and that i had to deal direct with the bailiff (who just so happened to be sat in his car outside) about 5mins after my call with JBW the bailiff knocked on saying that he was in the process of getting a van round to remove goods making the debt spiral higher! I haven't let him into the property (and wont be) but just wondered what other fee's he can concoct to make my bill spiral even higher? I can't believe that it has risen so sharply just because one of my payments was 2 days late out of all the others ive made Any help appreciated

Hi folks. Complicated situation. Myself and the other half have now spilt up with me staying in the house and them leaving. Some of their mail is still delivered here and I have strong belief that one letter concerns a visit by County Court bailiffs. If they are not living here how do I go about proving it and prevent them from giving me grief should(when) they turn up. Please don't ask what the debt is for because I have no idea. Thought we had got them all sorted but it seems an Ostrich won't stop burying its head. Thanks

I have a compliance officer visiting on thursday .no idea why and as far as i know no reason for one . basic standard letter ,no mention of circumstances etc . my wife has known for a few weeks and hidden the letter ,she only showed me it today ,i understand why as i am a natural born panicker . im already scared to my wits end and ive only known about the letter around 2 hours max, i dont know what ive supposedly done wrong ? but its like your already guilty before they even speak to you . my wife hasen't told me for the simple reason i suffer from epilepsy and already had a heart attack this year and i panic over anything . im so nervous im shaking like a leaf . how can i try to avoid this anxiety . they recently paid us £3,500 approx as they had forgot to pay us for our oldest daughter for 2 years, this was only pointed out when my wife phoned for a completely different reason. they only paid us 1 year back and paid us until 28/08/15 as this is when our oldest daughter goes onto her 3rd year at college so benefit stops for her . im just a bag of nerves .

Does anyone know if a bailiff can levy goods when the original debt has been paid? The debt was paid to the council in full, and now the council and bailiff company are saying tough, you need to pay the fees of £310 which is more than the debt was for. I know the usual advice of not letting them in and stuff but i can't find a definitive answer on whether they can levy if it's only their fees owing. As far as I am concerned, I paid the Liability Order in full.

Hi, i recently paid a speeding fine of £185 to a company called marston. After making the payment over the phone i was told that the payment had been taken and but apparently there was a 'security issue' on my account possibly because some of the details i had just given were incorrect. However the money had be debited from my account and would be held in a holding account and as far as i understood the fine would then be paid . So.. i drew line under it and thinking it was done i forgot about it. 12 days later my friend, whom i used to live with, where i am still registered as living had court enforcement officers barge their way into his flat, telling him that i have a warrant out for my arrest and that i needed to pay them £400! After phoing marston i found out that i should have called to make another payment as the money would be paid back to me from the holding account. THis isnt what i was told and now with a massive fine of £400 and marston on the phone telling me ill be arrested and the fine will rise again soon....i just dont know what to do. I told them when i initially madethe payment that i couldnt afford to pay £185 again when they first mentioned the Security check thing, thats when they said that i wouldnt have to. So what do i do? it seems they make tyhe rules and can do and say what ever they like.. .do i not have any rights at all? does the fact that i paid the £185 in the first place make any difference whatsoever?

I had a visit today from an Enforcement Officer from Marston's about my son's unpaid court fines/debt (£820 inc costs for 2 motoring offences). I told him my son has no income or any assets - but I know he's not going to take my word for that - and at first he said it would be easier just to let him into the house as he only needed to look in my son's bedroom to confirm that, otherwise he would have to come back with a locksmith and force entry. For the record, I didn't believe he would be satisfied with ONLY going into that 1 bedroom. He showed me a court document (well it looked more like a hand-filled form) that he claimed gave him his authority - I didn't take note of what the form was, ooops! I told him I was going to video him on my phone and then asked him if the document he had gave him the legal right to enter as he had previously inferred. At that stage he changed his tune and and apologised if that's how I'd understood things, he then told me he'd have to go back to court to get that authority - amazing what being recorded does to their attitude as well! Anyway, later in the day I got my son to call him (on speakerphone) and after he told him the same thing regarding lack of assets and income, my son said to him "what do you want to do then" unfortunately he heard this as "do what you want then" which must have upset him a bit because he became extremely aggressive and very loud on the phone, saying he was going to "come into your house when you're not there and take your stuff". The problem is my son genuinely doesn't have anything for him to take except for clothing. We do though, we have a whole houseful of stuff that he could 'claim' and a number of vehicles as well. Because it's an unpaid court fine I understand that he can get authorisation to force an entry (if a judge agrees with him), and because he got so upset with what he thought my so had said to him, I get the feeling he will try his hardest to make it happen. I also get the feeling he will try to make things as difficult as he can for me - I say me because it is me that will have to deal with him as my son is rarely here (also I wouldn't want my son here because he doesn't stay as calm as I do in heated situations - and I don't want him getting in anymore trouble). This guy was seriously annoyed! So I need some guidance if possible.... If he does get access to our home, can he 'target' the whole house to look for things to seize or does he have to stay within my son's bedroom? I suspect the former.. He 'warned' me to get together receipts for any item that he might suspect belong to my son or he will take them away. Like most people I don't have receipts for everything so how do I prove any goods are mine? I have the log books for any vehicles but I don't believe they accept them as proof of ownership - is a receipt from a garage acceptable? Also, my son's girlfriend parks her car in our driveway sometimes, can they seize her car until we prove it is hers? One final thing - we have a motorbike that my son uses sometimes. It belongs to me but the V5 document is in his name because we were told it needed to be for him to insure it. I have an invoice for the bike from Honda (in my name), would this bike be in any danger of seizure? Thank you in advance for any help/guidance you can provide.

This morning I had a visit from a Marston EA. I was at work and my partner didn't hear the bell so the EA left a card. The cards is for the attention of my stepson (Ben) who hasn't lived with us for over 10 years but as he moves around a lot often gives are address for post etc... He has no room or property of value in the house (just a few items of clothing etc..) The card states they called today to execute a warrant of control by Hertfordshire magistrates court. The debt is for £640 I rang the mobile number on the card to explain that Ben doesn't live with us and has no property of value in the house and the man said it doesn't matter and he will be back in an hour and a half with a locksmith and police and will take goods to cover the debt. Can he really do this? The house is mine and my partners as are all the possessions in it. I've left work to come home but am sitting here not at all sure what I can do if they do return. How do I prove someone doesn't live here? How do I prove any items in the house are not Ben's? I'm concerned that if I go back to work they will break in and I'll come back to the house with a bunch of stuff missing. I have contacted my stepson and he said he didn't know what this was about. I treid to talk to the court but they wont tell me anything (or do anything) because I'm not the debtor. Any advice would be very much appreciated. Many thanks Andy

I wonder if you could advise me about a visit from the baliff this morning that my friend received. She owes council tax for last year and this year. She made an arrangement with the council debt collector and agreed to pay the debt off for last year. She has paid £400 so far and there was only £18 remaing. She then received 2 separate council bills with 2 different account numbers. She rang the council and they said it was a mistake it was just and adjustment. So as far as she knew there was one bill for 2015 to 2016 and a small one for 2014 to 2015. The council told her the money she was paying would part go to pay off 2014 and part pay off this years. The baliff just turned up this morning hammering on the door, and terrified her and her son. He said he was going to take stuff today unless she paid £100 which she did, this was all the money she had and now she cant pay her rent. He is coming back next Friday for the other half. The remaining amount of the bill for 2014 was only £18 and now stand at nearly £300 as he has added his visit to the £18. The council are now saying that the two bills they previously said one was an adjustment isn't. The debt collectors are saying the same thing. She cant get any sense from any of them and they are all telling her to ring someone else. She is at her wits end and doesn't know what to do. Any help would be appreciated.

Hi All, Had a recent bereavement in the family and didn't know a CCJ was entered by a courier form for my business. Got a call saying come to premises or will call a locksmith and more £ will be charged. Met HCEO and showed him we were flooded during Boxing Day and going to be a hard graft ahead. The CCJ was for £1204.74 - their paperwork is nearly £2300, and if sums unpaid etc, and further action including sale or disposal stage will make it near £3100. Advised got no help and unable to pay in one go, he looked around - showed me no ID and didn't give me the Notice of Enforcement - but just an intention to take control of goods - no signature was asked for from me. Going to contact creditor to try and make payment direct to close debt/ Question is - when I contact HCEO - am I liable for the compliance costs only, or 1st enforcement costs as well - or are they going to try and get more from us - I assume the creditor hasnt levied another £1k on top? Pulled a sneaky one on me after reading this forum. Any and all advice appreciated. Thanks

After many cancellations and a strongly worded letter from my GP and support worker instead of putting me in a group I've got a home visit on thursday and my anxiety and anger is flowing like mad! I don't know how to deal with this interigation in my own home. I have a feeling I'll be that scared of them I will rage as soon as I open the door to them I really don't know how to cope with this on thursday. I've read so many horror stories all over the Internet and I'm frightened that I will be the next person to write the next horror story! I'm just so terrified. I can't face the interigation! What happens if they hit my last nerve and I snap? I can't cope with all this! Please help me, give me advice. I'm generally so scared and so angry about all this! I just wish I didn't have to deal with this crap. I've already got other worries on top of this rubbish PS I have BPD, depression anxiety and other things to be diagnosed by psych