HELP ive had a letter from stanford & green bailiffs,?

Question

ive made a arrangment with the boss called mr stanford to pay them £20.00 every month. i pay this through recorded delivery but they said they didnt recieve the giro, i phoned royal mail up and they say that the item is missing. prob is that i have a letter it has been posted through the door and says i need to come up with the full amount, but i cant pay it as i dont have the money, what can the bailiff do, i am petrified coz i have seen on bbc1 that bailiffs sometimes brake the law, what are my rights, i have spoken to the bailiff on the phone and he seems a a hole

Answer 1

Try and get a copy of the Whistleblower than was on BBC last week.......it covered Bailiffs and the schemes they will do to try and get you to pay more money etc intimidate you etc......this will tell you every thing you need to know............

Answer 2

we had a problem with bailiffs before once was for falling behind on council tax when they came he wrote down everything he would take if i didn't pay the whole amount or make an arrangement which i did but then i lost a payment and they came back and i had to pay them then and there.
then i had a different bailiff for another debt and when they came in to see what i had i told them the t.v was on h.p and the computer was my sisters.
I also found they can be intimidating but don't get angry with them or upset. also if you don't answer the door they may leave you anote to say when they will be back and they will probably warn you they will bring the police and a locksmith to get in your house.
Depending on how much you owe could you not borrow the money from family or friends.

Answer 3

DON'T LET THEM IN!!!!!! If you already have, they can legally re-enter your premises without you being there. If they have not entered your property regarding this particular debt, they have no rights of entry, though they may lie and say they can. Do not let the police advise you, they do not know the law relating to baillifs, the average solicitor will also be quite ignorant as to many of yours and their rights (the last one told me I had to pay them even when my statement of means showed I couldnt afford it). Baillifs powers vary depending on the type of creditor and court.

Good sources of information on dealing with Baillifs can come from some very good websites written by people on the receiving end of baillifs, and some debt advice websites like CCCS who will give you some free advice.

The best and most authoritive is a book called THE LAW OF SEIZURE OF GOODS: DEBTORS RIGHTS AND REMEDIES by John Kruse, published by Barry Rose Law publishers. Baillif law is a mess, but if you can find your way through this book, you will know more than 90% of solicitors do. More importantly you willI be able to sleep at night and leave your house without worrying about the threats. I refuse to deal with baillifs altogether because they inflate the debt so much, instead I contact the creditor directly and make written offers of payment which they have to keep on their records, if they refuse to deal with me, I wait until the baillifs get fed up and stop bothering me, then i contact the creditor again directly and remind them of my previous offers and negotiate token monthly payments or whatever i can realistically afford each month bearing in mind all my other monthly expenses (which always come before debts as long as you're not extravagant) and other monthly priority debt repayments.

Don't let them ruin your life or your peace of mind, they play on debtors ignorance of the law and use intimidation and harrassment techniques which are now against the law.

Answer 4

go back to Mr Stanford and explain that you sent the money by recorded delivery and that you have proof that it went missing and offer to pay the outstanding £20. DO NOT STOP PAYING £20 PER MONTH! He knows that if he wants to foreclose that he might end up in court and since you did not violate the contract with him and since you have shown due dilligence he is going to struggle to get a court to understand why he has foreclosed on the loan. When in doubt always get legal advise on what to do, try some free advise from the CAB, but that is what I would do

Answer 5

Didn't you keep the receipt? The baliffs will normally take items to the cash amount owed. For £20 it may only be a few cds or something like that. Can't you ask a friend?

How come if you're that skint you have a computer and are messing around on the internet at 1pm on a Wednesday afternoon?

Answer 6

Baliffs are bastards, the worse that can happen is they take you to court, which could be in your favour sometimes as if the court sees that there is no way you can possibl;e pay the bill they will squash it. However that happens to fewer and fewer people these days. I suggest you try and get a loan off a friend or family memebr and pay them off once and forall the full amount. If you cant get one of friend or family member then go to a bank or individual loan lender. But get rid of them asap. you will have a bad credit score now anyway because baliffs are involved so no matter what happens your credit score cant get any worse! Good luck!

Answer 7

If you sent your payment by recorded delivery it should include some amount of insurance. Speak to the post office to find out what insurance or even compensation you are entitled to. If you have spoken to the bailiff and he isn't co-operative phone the citizens advice bureau they will be able to help or refer you to someone who can.

Answer 8

You must talk to them.

I am going through a very similar problem at the moment, the only difference is that I PAID MINE OVER 2.5 YEARS AGO.

They say there is still a debt, the company I paid the monies to say there isn't and I say there isn't. Now I have to get proof. I have no receipts as I say I finished paying on 22nd March 2004.

Luckily the company I paid the monies to are sending me a letter to confirm this, I only hope the new company will accept this.

It is so unfair when the "original debtor" sells on a "suspected debt" to another company.

CALL THEM

Answer 9

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Answer 10

royal male is liars do not trust them never. Sometimes they open your letter and wreck it, I sometimes recieve letters from others people but wrong address that its not even in my area. Trust me they have send your dilevery to a wrong person, its the royal mail responsibilities not yours, you have to take actions on them if they do not do anything put them in court to teach them some lesson. Also try go to your area or other place to bureau advisor they will help you with your problem what you have, but do not give up alright, I wish you best luck