Difference between revisions of "Bailiffs: Check a Bailiffs Credentials"

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'''The bailiff or his firm must be licensed to trade in debt recovery'''
 
'''The bailiff or his firm must be licensed to trade in debt recovery'''
  
He must have a '''[http://www.tameside.gov.uk/licensing/credit http://www.tameside.gov.uk/licensing/credit Category E]''' Consumer Credit License pursuant to Section 21(1) of the '''[http://www.johnantell.co.uk/CCA1974.htm Consumer Credit Act 1974]''' otherwise they are committing an offence under Section 39(1) of the Act. Check the Consumer Credit Licensing Public Register on 0207 211 8608 and press 1 to search register.
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He must have a '''[http://www.tameside.gov.uk/licensing/credit Category E]''' Consumer Credit License pursuant to Section 21(1) of the '''[http://www.johnantell.co.uk/CCA1974.htm Consumer Credit Act 1974]''' otherwise they are committing an offence under Section 39(1) of the Act. Check the Consumer Credit Licensing Public Register on 0207 211 8608 and press 1 to search register.
  
 
   
 
   
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The bailiff or his firm be licensed in consumer credit and he must hold a '''[http://www.tameside.gov.uk/licensing/credit Category A]''' consumer Credit License pursuant to Section 21(1) of the '''[http://www.johnantell.co.uk/CCA1974.htm Consumer Credit Act 1974]''' otherwise they are committing an offence under Section 39(1) of the Act. Check the Consumer Credit Licensing Public Register on '''0207 211 8608''' and press 1 to search register. In any event, the bailiff would have to provide you with a regulated loan agreement setting out the rate of interest and loan period and be able to give you a written quotation before you agree to a loan. The law does not provide for bailiffs charging interest (unless it’s awarded under Section 69 of the County Courts Act 1984) and is an offence under Section 2 of the Fraud Act 2006.
 
The bailiff or his firm be licensed in consumer credit and he must hold a '''[http://www.tameside.gov.uk/licensing/credit Category A]''' consumer Credit License pursuant to Section 21(1) of the '''[http://www.johnantell.co.uk/CCA1974.htm Consumer Credit Act 1974]''' otherwise they are committing an offence under Section 39(1) of the Act. Check the Consumer Credit Licensing Public Register on '''0207 211 8608''' and press 1 to search register. In any event, the bailiff would have to provide you with a regulated loan agreement setting out the rate of interest and loan period and be able to give you a written quotation before you agree to a loan. The law does not provide for bailiffs charging interest (unless it’s awarded under Section 69 of the County Courts Act 1984) and is an offence under Section 2 of the Fraud Act 2006.
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With thanks to 10110001

Revision as of 15:19, 3 March 2008

Check a Bailiffs Credentials

The bailiff must be certificated

Call the HMCS public register of certificated bailiffs on 0207 210 0516 and ask for the name and address of his certificating court and dates of his certificate.


The bailiff or his firm must be licensed to trade in debt recovery

He must have a Category E Consumer Credit License pursuant to Section 21(1) of the Consumer Credit Act 1974 otherwise they are committing an offence under Section 39(1) of the Act. Check the Consumer Credit Licensing Public Register on 0207 211 8608 and press 1 to search register.


The bailiff charged a credit card fee

The bailiff or his firm must be licensed to trade in credit brokerage, or for processing regulated credit transactions between a lender and a borrower. He must hold a Category C consumer Credit License pursuant to Section 21(1) of the Consumer Credit Act 1974 otherwise they are committing an offence under Section 39(1) of the Act. Check the Consumer Credit Licensing Public Register on 0207 211 8608 and press 1 to search register. The law does not provide bailiff’s charging fees that are not prescribed and is an offence under Section 2 of the Fraud Act 2006.


The bailiff charged interest.

The bailiff or his firm be licensed in consumer credit and he must hold a Category A consumer Credit License pursuant to Section 21(1) of the Consumer Credit Act 1974 otherwise they are committing an offence under Section 39(1) of the Act. Check the Consumer Credit Licensing Public Register on 0207 211 8608 and press 1 to search register. In any event, the bailiff would have to provide you with a regulated loan agreement setting out the rate of interest and loan period and be able to give you a written quotation before you agree to a loan. The law does not provide for bailiffs charging interest (unless it’s awarded under Section 69 of the County Courts Act 1984) and is an offence under Section 2 of the Fraud Act 2006.

With thanks to 10110001