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Moon phases


Administration of Justice Act 1970 forbids creditors to falsely pretending to be officially authorised to collect payment

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Administration of Justice Act 1970 forbids creditors to falsely pretending to be officially authorised to collect payment

Post by Kestrel on Sat Oct 13, 2018 1:29 pm

It is a criminal offence to operate without a licence, i.e. unregulated, from what I take from the links below, I would take it that any unregulated creditor that operates without a licence has no legal standing in court as they are committing a criminal offence. In so far they cannot be the 'claimant'.

https://www.stepchange.org/debt-info/your-rights/consumer-credit-act.aspx
https://www.nibusinessinfo.co.uk/content/how-apply-consumer-credit-licence

Also appears that Administration of Justice Act 1970 applies

The Administration of Justice Act 1970
Section 40[2] includes a number of provisions forbidding creditors such as debt collection agencies from harassing debtors, including:
Excessive demands for payment
Falsely claiming that criminal proceedings will follow after failing to pay a debt
Falsely pretending to be officially authorised to collect payment
Producing false documents claiming to have some official status that they do not have

https://www.legislation.gov.uk/ukpga/1970/31/section/40

I believe the above would be helpful in court should a creditor be using a third party when the unauthorised creditor themselves are the claimant.

I posted elsewhere on here:
http://goodf.forumotion.com/t3000p25-debt-purchaser-using-dca-to-initiate-court-proceedings-but-purchaser-without-permissions-is-on-court-papers
But believe it is worthy of it's own post should anyone be searching for this.

Kestrel
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Re: Administration of Justice Act 1970 forbids creditors to falsely pretending to be officially authorised to collect payment

Post by Jacko on Sat Oct 13, 2018 1:33 pm

reading now thanks

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Re: Administration of Justice Act 1970 forbids creditors to falsely pretending to be officially authorised to collect payment

Post by Stevro on Sun Oct 14, 2018 2:11 am

Thanks. In the first link it says:

'In some cases, regulated creditors are limited in the type of court action they can take. For example, in England and Wales a regulated creditor can’t use High Court enforcement officers to collect an unpaid County Court judgment.'

Does this mean they can't take the case to the High Court?

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Re: Administration of Justice Act 1970 forbids creditors to falsely pretending to be officially authorised to collect payment

Post by Kestrel on Wed Oct 17, 2018 4:31 pm

@Stevro wrote:Thanks. In the first link it says:

'In some cases, regulated creditors are limited in the type of court action they can take. For example, in England and Wales a regulated creditor can’t use High Court enforcement officers to collect an unpaid County Court judgment.'

Does this mean they can't take the case to the High Court?

If a civil debt is no more than £25,000 (double check the figure though) they cannot use High Court useful idiots.

Kestrel
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Re: Administration of Justice Act 1970 forbids creditors to falsely pretending to be officially authorised to collect payment

Post by Stevro on Wed Oct 17, 2018 7:26 pm

Ta! Good to know.

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Re: Administration of Justice Act 1970 forbids creditors to falsely pretending to be officially authorised to collect payment

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