PCN's dimissed in Guildford county court followed by DCBL visit

[Syd Snitkin]

Gaz mate, how lovely you've joined us. Tell us, when you turn up at a debtor's address, why do you always front load the fees to include both enforcement stages and the sale stage? There's a live thread on here where you added all three stages even though an upfront payment with a CGA was agreed. The debtor has already complained to your everso trustworthy office and they can't see anything wrong. How do all three stages become due at that stage Gaz? Come on, tell us the secret.

How about the debtor who you chased down the main road in your black pick-up (we assume it's yours and not a seized vehicle). What was it you said when you wound down your window? Ah yes, how you'd like to run them over and that you'll break into their house next time. On a High Court Writ Gaz? How does that work then?

I see the online winnings haven't been kind this year Gaz, is that why you need to add all the unlawful fees? How about explaining about how it's possible to turn up an address that's not on the writ, thus it being obvious that no NOE could have been given? You're good at that one.

Also, what is it with you and knicker drawers? You into that Gaz mate? Bit crafty with the jewellery box I hear as well. Perhaps it's time to go back to the used car trade Gaz, just remember to not send texts to young women calling them a c**t when they don't want to deal with you. Alternatively, there's been some good films out lately so the pirate DVD business must be looking attractive. Whaddya say Gaz?

[dannny]

Gary knew that no NOE was issued to my address. It was clear from the writ. Yet he pretended that one was sent to my address. The writ said I owed £900 yet somehow after 31 minutes I owe £2500. Gary is a scumbag motivated by his own greed. This man has no morals.

[dannny]

If a debtor tells a bailiff they have the wrong address on the writ and they not received any paperwork or a notice of enforcement. Is it compliant for a bailiff to continue without providing proof of postage?

[John The Baptist]

Gary. First and foremost, questions regarding fees charged should be raised by way of a detailed assessment, not some letter to that Holmes woman who will always take the side of DCBL, no matter what the circumstances. I think that has more to do with why complaints about you are not upheld, rather than it being because you have done nothing wrong.

No offence, it's clear that you are not the brightest but surely even you can see that it was never the intention of the MOJ (or anyone else) to see a debtor charged £1,500 minimum for a twenty minute visit? Surely you accept that a sale fee shouldn't be charged if you collect PIF on the first visit? The ES2 stage is more contentious but the sale stage is not in doubt, it should not be charged full stop (and yes, that includes times when you pretend to call for a van)

I think you have shown your true colours with regards to your attitude to commission when you sent that poor young girl that vile tirade of abuse because you lost £200 commission because of her. It is clear to anyone that you seek to maximise commission at every given opportunity which effectively means that every debtor is going to be charged the sale fee regardless of what happens during the visit and this has been decided before you get of your car/jeep whatever you want to call it. The law does not say anywhere that Gary Brown is entitled to charge what he wants to line his own pockets, unless I've missed something.

So adding the sale fee is not operating within the law. It is trying it on, knowing full well that Jan Holmes has your back. I'd like to tell you a few more examples of you not operating within the law but it wouldn't make any difference. It is such a shame as you do present yourself well and act in a professional manner but it is all a front. Behind the mask, you are smarmy and your only concern is to get the fees up to the sale stage, get PIF and get out. Often, the creditor has expressed a willingness to accept repayment plans but you're not interested in that are you? You want your money there and then, regardless of the devastation you leave behind you.

Contrary to the fairy stories posted by the pathological liar Sheila Harding, these debtors are invairably not represented in court are they? Especially not for EAC2 complaints where there is no prospect of them being awarded their legal costs. You on the other hand have a barrister in your corner don't you? It is hardly surprising that these people fail in their action. Again, it is not because you are squeaky clean, it is because the other side are so completely out of their depth.

You have to imagine what a visit from a bailiff must be like to someone who has never experienced one before. A knock at the door at 6am will usually catch the occupier off guard and then when someone walks into the house (uninvited but legally), it can feel very intrusive. Then with the threats and pressure that someone as experienced as you can pile on (along with lies, exaggerations and breaches of legislation), it is easy to see why someone may feel like they have been invaded. I think I read on one of the forums that the judge in the case you mention wasn't entirely praising of you either and stated that you had overstepped your powers in some ways.

If you are happy to discuss things with us Gary, I'm really keen to hear your interpretation of when the sale fee may be added. Is it by the amount of time spent in a property? The amount of times that a debtor tells you that (s)he can't pay? or do you use some other measure? What is clear is that you have a very disproportionate amount of sale fees to your name. This would also mean you have a very disproportionate amount of commission going into your bank account. My worry is that all the crooks in the industry are going to find their way to High Court Enforcement as the potential to earn good money is many, many times greater than that in other enforcement sectors. Something is drastically wrong and innocent people are being fleeced of over £1,000 in many visits. This isn't a £24.50 Head H fee we're talking about but a £525 sale fee, 7.5% (where applicable) and VAT. The ES2 fee is another debate which is also not cheap at £495 plus VAT.

[John The Baptist]

If a debtor tells a bailiff they have the wrong address on the writ and they not received any paperwork or a notice of enforcement. Is it compliant for a bailiff to continue without providing proof of postage?

Gary would have had a NoE in his paperwork when he visited. If it was not sent to your current address, Gary really ought to have checked back with his office that notice had been given. He should certainly have had the time that notice was given but did you specifically ask for this? Remember, as Gary has said, he is always using BWV equipment.

Gary has a responsibility to ensure that debtor has been given notice but of course, the problem is that he would have lost out because he wouldn't have earned any money from the visit if it was aborted.

[John The Baptist]

Gary knew that no NOE was issued to my address. It was clear from the writ. Yet he pretended that one was sent to my address. The writ said I owed £900 yet somehow after 31 minutes I owe £2500. Gary is a scumbag motivated by his own greed. This man has no morals.

If your set aside fails, it is almost certain that you can retrieve the £525 plus VAT sale fee. It is also possible that on top of that, you would get the £495 ES2 fee returned as well.

IMO, the correct fees for the visit would have been £75 plus VAT compliance (which would have gone to DCBL, not Gary) and £190 plus VAT ES1 fee of which Gary would have received a percentage in commission.

So in Gary's shoes, he had the choice of receiving commission on £190 or the choice of receiving commission on £1,210. You were charged more than £1,000 more than you should have been but Gary earned maximum commission. His employers DCBL will back him to the hilt because they also earned maximum profit from the visit.

[Syd Snitkin]

The visits to the in-laws in Johannesburg don't come cheap though do they Gaz?

[Poker man]

Gaz mate, how lovely you've joined us. Tell us, when you turn up at a debtor's address, why do you always front load the fees to include both enforcement stages and the sale stage? There's a live thread on here where you added all three stages even though an upfront payment with a CGA was agreed. The debtor has already complained to your everso trustworthy office and they can't see anything wrong. How do all three stages become due at that stage Gaz? Come on, tell us the secret.

How about the debtor who you chased down the main road in your black pick-up (we assume it's yours and not a seized vehicle). What was it you said when you wound down your window? Ah yes, how you'd like to run them over and that you'll break into their house next time. On a High Court Writ Gaz? How does that work then?

I see the online winnings haven't been kind this year Gaz, is that why you need to add all the unlawful fees? How about explaining about how it's possible to turn up an address that's not on the writ, thus it being obvious that no NOE could have been given? You're good at that one.

Also, what is it with you and knicker drawers? You into that Gaz mate? Bit crafty with the jewellery box I hear as well. Perhaps it's time to go back to the used car trade Gaz, just remember to not send texts to young women calling them a c**t when they don't want to deal with you. Alternatively, there's been some good films out lately so the pirate DVD business must be looking attractive. Whaddya say Gaz?

The enforcement fees are added when the enforcement is escalated. My footage will show that ALL debtors (including those on the TV show) are given a deadline to raise the funds and that removal services are requested when the deadline passes. Some debtors seem to think it's a bluff until I make the call. It's the gamble they take, but then regret it when I insist on the full balance. I have no idea which case you're referring to with regards to a CGA. If you could provide more information, I could look into it. Just the debtor's name would be enough.

I do not "chase" debtors, but I may follow someone until they stop so I can talk to them. The debtor in question threatened to run my colleague over on a previous visit and I asked if he was going to threaten to do the same to me too. I've already had this conversation with Nigel.

I don't just play poker online. I play in live games too and when I have my next win, I'll be sure to let you know. I have a comfortable lifestyle, hence how I'm able to afford a new work vehicle.

We aren't limited to the address on the writ for enforcement and can visit any address where the debtor trades or resides. Being the expert you are, surely you must already know that the writ doesn't need to be re-issued and sealed with a new address for it to be enforceable right?

I am very thorough when carrying out a search for goods and yes, that may include drawers containing underwear. I don't know what you mean about the jewellery box, but again, more information is needed. Sending the message to Natalie James wasn't my proudest moment, but I'm sure you'll be dining out on it for some time to come. My conviction for copyright theft was spent in 2014 and not really relevant to the job I do now, but again, I have no doubt you will use it to blacken my name, but while you're at it, feel free to mention my 16 years service in the army, which I left without being kicked out. You can mention the medals I have for service to my country on operations.

I am tenacious, thorough, resourceful and steadfast. Some of the essential qualities that make a successful enforcement agent, but it doesn't mean I operate outside of the law. I suggest you don't become bogged down with believing everything a debtor tells you. The Westbrooks' complaint is a perfect example of your naivety.

[Poker man]

The visits to the in-laws in Johannesburg don't come cheap though do they Gaz?

No, but winning £11,500 playing poker makes it easier.

[zeke]

How much did you spend winning £11,500?

[Poker man]

Gary. First and foremost, questions regarding fees charged should be raised by way of a detailed assessment, not some letter to that Holmes woman who will always take the side of DCBL, no matter what the circumstances. I think that has more to do with why complaints about you are not upheld, rather than it being because you have done nothing wrong.

No offence, it's clear that you are not the brightest but surely even you can see that it was never the intention of the MOJ (or anyone else) to see a debtor charged £1,500 minimum for a twenty minute visit? Surely you accept that a sale fee shouldn't be charged if you collect PIF on the first visit? The ES2 stage is more contentious but the sale stage is not in doubt, it should not be charged full stop (and yes, that includes times when you pretend to call for a van)

I think you have shown your true colours with regards to your attitude to commission when you sent that poor young girl that vile tirade of abuse because you lost £200 commission because of her. It is clear to anyone that you seek to maximise commission at every given opportunity which effectively means that every debtor is going to be charged the sale fee regardless of what happens during the visit and this has been decided before you get of your car/jeep whatever you want to call it. The law does not say anywhere that Gary Brown is entitled to charge what he wants to line his own pockets, unless I've missed something.

So adding the sale fee is not operating within the law. It is trying it on, knowing full well that Jan Holmes has your back. I'd like to tell you a few more examples of you not operating within the law but it wouldn't make any difference. It is such a shame as you do present yourself well and act in a professional manner but it is all a front. Behind the mask, you are smarmy and your only concern is to get the fees up to the sale stage, get PIF and get out. Often, the creditor has expressed a willingness to accept repayment plans but you're not interested in that are you? You want your money there and then, regardless of the devastation you leave behind you.

Contrary to the fairy stories posted by the pathological liar Sheila Harding, these debtors are invairably not represented in court are they? Especially not for EAC2 complaints where there is no prospect of them being awarded their legal costs. You on the other hand have a barrister in your corner don't you? It is hardly surprising that these people fail in their action. Again, it is not because you are squeaky clean, it is because the other side are so completely out of their depth.

You have to imagine what a visit from a bailiff must be like to someone who has never experienced one before. A knock at the door at 6am will usually catch the occupier off guard and then when someone walks into the house (uninvited but legally), it can feel very intrusive. Then with the threats and pressure that someone as experienced as you can pile on (along with lies, exaggerations and breaches of legislation), it is easy to see why someone may feel like they have been invaded. I think I read on one of the forums that the judge in the case you mention wasn't entirely praising of you either and stated that you had overstepped your powers in some ways.

If you are happy to discuss things with us Gary, I'm really keen to hear your interpretation of when the sale fee may be added. Is it by the amount of time spent in a property? The amount of times that a debtor tells you that (s)he can't pay? or do you use some other measure? What is clear is that you have a very disproportionate amount of sale fees to your name. This would also mean you have a very disproportionate amount of commission going into your bank account. My worry is that all the crooks in the industry are going to find their way to High Court Enforcement as the potential to earn good money is many, many times greater than that in other enforcement sectors. Something is drastically wrong and innocent people are being fleeced of over £1,000 in many visits. This isn't a £24.50 Head H fee we're talking about but a £525 sale fee, 7.5% (where applicable) and VAT. The ES2 fee is another debate which is also not cheap at £495 plus VAT.

All debtors are warned that the case will be escalated and goods removed if they fail to raise the necessary funds. Some debtors need more leverage to pay than others, so when the deadline passes and I make the call to request the relevant vehicle, they generally start to realise that I'm serious. I know of one particular agent who I used to work with who starts his attendance at the Sale Stage. I've warned him that he won't last long because our visits are constantly being scrutinised and we are forever being called on to justify our actions. I know of other agents who give a deadline, but then deliberately engage the debtor in conversation to distract them. I don't hear of these agents' names being mentioned because the people in this group seem to have only one goal, and that is to take me down. Well, all I can say to you is good luck.

[Poker man]

How much did you spend winning £11,500?

It was £275 to enter the tournament.

[John The Baptist]

Gary. You misunderstand.

Whilst a writ entitles you to enforce at any address in E&W that the debtor lives or carries on a trade or business, before you do so, a debtor MUST be given 7 clear days notice.

This notice MUST be sent to his usual address, NOT his previous address and NOT the address on the writ (unless that address is his usual address).

With regards your tactics on obtaining a sale fee, I know that you are being economical with the truth. I know that you often pretend to call for a van, often having an imaginary chat with your "mate" on the end of the line. However, I know these calls don't really take place because when you make genuine calls, there is a crackling and interference on the footage.

I don't want to blacken your name. My only grievance with you is that you are overcharging debtors on a regular basis. If it was a £24.50 Head H fee or 1st visit fee then fine but when it's £1,000 a throw, it needs stopping. You are not the only bloke who does it but you are up there as one of the most frequent culprits. Your company DCBL are also the most regular abusers of the sale fee. Greed is causing an untold amount of suffering. The actions are far worse than the debtors who have failed to pay for whatever reason.

You have to understand that when your name keeps cropping up for charging sale fees, a forum such as this is going to take an interest in you. I don't know about any of the other accusations that Pote & Nigel are making and until I see evidence, I will give you the benefit of the doubt that they are untrue.

[Syd Snitkin]

Tell you what Gaz, you keep pretending that the dozens of cases we have on here, plus all the others we've seen on other forums, are all just debtors making it up, that you don't just add as many fees as you think you can get away with. There is no mythical deadline that you can set, you need to actually do something to trigger the next enforcement stage. Someone paying half the debt and then a CGA shouldn't be being charged all the stage fees should they Gaz? But they are, and it's invariably you and your mates at DCBL doing it.

Mind you, when you consider your authorised HCEO Lady Sandbrook doesn't even live in the UK, you know full well that you lot won't be held responsible. How does that work Gaz? How does she actually give due diligence to you lot?

We aren't limited to the address on the writ for enforcement and can visit any address where the debtor trades or resides. Being the expert you are, surely you must already know that the writ doesn't need to be re-issued and sealed with a new address for it to be enforceable right?

Spot on Gaz mate, but what about the NOE? What if that's gone to the wrong address as well? What happens then? Of course we know what should happen, but what does your lot do? Just roll up at the newly discovered address, that's what. Don't pretend otherwise Gazza, we've seen it too many times.

Do you think posing in front of someone else's winnings with two nines makes you seem legit? Like everything else around you it's just all deception and image. Army days? Medals? Not what I've heard mate, although I heard you did make a decent rhubarb crumble. How did the MOD react when you were burning pirate DVD's on their property? Methinks you jumped before you were pushed, sonny.

It's good to know that you're quite happy to follow a debtor down a main road to chase another quid. Which part of schedule 12 allows that Gaz?

[Syd Snitkin]

I don't know about any of the other accusations that Pote & Nigel are making and until I see evidence, I will give you the benefit of the doubt that they are untrue.

Which one's you after JTB?

[dannny]

I repeatedly told him he had the wrong address and I had received no paperwork in the post whatsoever. The writ said £958.22, although the first sum I advised was over £1800. Followed by over £2500 after 30 minutes. Is this compliant? What recourse do I have to pursue Gary / DCBL for damages? How can it be lawful to enter a property without any notification in advance.

[John The Baptist]

I repeatedly told him he had the wrong address and I had received no paperwork in the post whatsoever. The writ said £958.22, although the first sum I advised was over £1800. Followed by over £2500 after 30 minutes. Is this compliant? What recourse do I have to pursue Gary / DCBL for damages? How can it be lawful to enter a property without any notification in advance.

This is why I told you previously to give DCBL notice that you will require sight of the footage IF your set aside fails.

Did Gary telephone for a removal van to come to your home?

Did Gary tell you that you owed £1,800 straight away? This would mean he has escalated it to ES2 just by knocking your door.

You will struggle for damages because the law states that any breach Gary made would not make him a trespasser.

If you get the set aside, that will take care of the fees as well. If you fail in the set aside, you have the chance to get the sale fee and ES2 fee refunded which would be around £1,200.

[dannny]

Did Gary telephone for a removal van to come to your home?

Yes

Did Gary tell you that you owed £1,800 straight away? This would mean he has escalated it to ES2 just by knocking your door.

Yes

[John The Baptist]

I don't know about any of the other accusations that Pote & Nigel are making and until I see evidence, I will give you the benefit of the doubt that they are untrue.

Which one's you after JTB?

I actually don't know of any cases where he's been found to have done something wrong. Anything that Nigel claims has to be taken with a pinch of salt.

I obviously know about the DVDs and FB abuse but those happened before he became a bailiff.

[Poker man]

NOE's are sometimes sent to multiple addresses. We MUST be able to confirm that the notice has been sent to justify further enforcement. That's why the office keep a proof of postage should it be questioned. Do you know I even invited Nigel to come out with me at one point so he could see exactly how I enforce? That was after he told me I had 4 EAC2 complaints in the pipeline. I assured him nothing would come of them and I was right.

Syd, can you tell me why you're obsessed with taking me down? You helped the Westbrooks and I hear you're still at it with other complainants.

[John The Baptist]

Did Gary telephone for a removal van to come to your home?

Yes

Yes

I'd put big money on that call for a removal van not actually taking place. The DCBL removal vans would be bouncing around like yoyos all day long if they were sent out on these false starts as often as their agents claim.

Did Gary threaten you with waiting time if you didn't pay or further charges if the van actually arrived at your home?

Again, video footage will show that no call took place because there will be no interference on the sound. Furthermore, an examination of Gary's itemised phone bill will almost certainly show that no call took place whilst he was inside your home.

Regarding the ES2 stage, this was also added incorrectly and in the very worse case scenario, Gary should have added it at the point when he actually added the sale stage fee.

[Poker man]

John The Baptist, I assume you're also known as Tuco. Have we met before?

[Syd Snitkin]

Which one of us Syd?

[John The Baptist]

NOE's are sometimes sent to multiple addresses. We MUST be able to confirm that the notice has been sent to justify further enforcement. That's why the office keep a proof of postage should it be questioned. Do you know I even invited Nigel to come out with me at one point so he could see exactly how I enforce? That was after he told me I had 4 EAC2 complaints in the pipeline. I assured him nothing would come of them and I was right.

Syd, can you tell me why you're obsessed with taking me down? You helped the Westbrooks and I hear you're still at it with other complainants.

Who is Syd?

In this case, it would seem that the NoE was sent to the address on the writ. DCBL have then traced the debtor to his new address. At that point, the correct thing to have done was to have sent a new NoE, giving the debtor the notice that the law prescribes. Most bailiff companies (not only DCBL) fail to send new NoEs out in these circumstances.

[Poker man]

I believe Pote is Syd Thompson.

[Syd Snitkin]

Who is Syd?

Has anyone even come across a 'Syd' ever? There was Syd Little but that wasn't his real name. I've heard of Sydenham... not too far from you eh Gaz?

NOE's are sometimes sent to multiple addresses. We MUST be able to confirm that the notice has been sent to justify further enforcement. That's why the office keep a proof of postage should it be questioned.

Good to hear Gaz - we can now advise anyone who says they didn't receive the NOE that your office keeps a proof of postage, showing date, time and postcode for each one they send. Perhaps you can provide the OP of this thread a copy of his?

[Syd Snitkin]

I believe Pote is Syd Thompson.

You mean this fella? https://www.linkedin.com/in/syd-thompson-a78a8645/

You crack on mate.

[Syd Snitkin]

At least we now know that a member of Civea hates Gary Brownleg.

[Poker man]

I believe Pote is Syd Thompson.

You mean this fella? https://www.linkedin.com/in/syd-thompson-a78a8645/

You crack on mate.

And there you have it. I've been able to view his LinkedIn profile, until now

[Poker man]

I'm sure you will hear many more allegations about me to add to the long list of disgruntled debtors. Will it stop me or even slow me down? Absolutely not! What I will ask is that you remain open-minded and consider the possibility that it may not be exactly as the complainant describes. I don't treat people like the Germans did when they invaded Poland, nor do I video women getting dressed, but it won't stop these deluded individuals making those claims.

[Syd Snitkin]

Anyone else not able to see it? Are you signed in Gaz mate? Maybe Syd has blocked you? Anyone got a pic of Syd as I'm having trouble linking one to him.

[Syd Snitkin]

I'm gonna change my username to Pote Sydkin.

[Syd Snitkin]

I'm sure you will hear many more allegations about me to add to the long list of disgruntled debtors. Will it stop me or even slow me down? Absolutely not! What I will ask is that you remain open-minded and consider the possibility that it may not be exactly as the complainant describes. I don't treat people like the Germans did when they invaded Poland, nor do I video women getting dressed, but it won't stop these deluded individuals making those claims.

And here's hoping a few more crap on your trousers Gaz mate.

The sheer volume of complaints does lead to make one consider where the truth lies, don't it though? You've already admitted that you're prepared to scare a debtor by following them in your car, pulling up alongside to 'talk' to them (yeh, we've got the pics Gaz), and you've told us that a colleague preloads the fees (did you consider informing your bosses Gaz, or was he just following your lead? Or perhaps you saw a good thing and followed suit?).

Here's a task for you Gaz, have a look round the various forums and FB pages and see how many times complaints about DCBL overcharging and misleading comes up.

[dannny]

I will be exploring all avenues to take this to a full complaint with CIVEA and/or the HCEO. I couldnt live with myself knowing I hadnt at least tried to stop Gary acting as if he is above the law and mistreating debtors.

[Syd Snitkin]

Come one Gazzy, the OP is here - why don't you answer his questions?