These agents often present documents that may appear legitimate, such as those displayed on tablets, but these are not court-issued warrants and are often not signed. They do not possess the original warrant, as it may not exist.

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Legal Requirements for Enforcement Agents

 

Bailiffs, agents, or enforcement representatives must possess a certificate under the original court warrant. If they cannot provide the original court warrant in an intelligible form, they may be committing an offense under several laws, including:

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Section 125 of the County Court Act

Section 78 of the Road Traffic Act

Section 2 of the Fraud Act

 

By law, police officers are required to examine the bailiff’s paperwork. If the bailiffs lack the necessary documents, the police are obligated to arrest them. If a police officer refuses to act, you can escalate the matter by filing a complaint against them for serious negligence of duty, which could lead to disciplinary action or even criminal charges.

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Harassment and Intimidation

 

You have the right to inform these agents that their actions are causing you distress and intimidation. Under Section 2 of the Protection from Harassment Act 1997, it is a criminal offense to make demands for money in a manner that causes alarm or distress. This applies regardless of the method of contact—be it phone, email, letter, or in person. Conviction can lead to imprisonment for up to six months and/or a fine of up to £5,000, along with legal costs.

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The Deed of Assignment

 

Bailiffs must produce a 'Deed of Assignment' under the Law of Property Act 1925. This document, often referred to as a 'debt sale agreement,' must be granted by the original creditor and comply with Section 44 of the Companies Act 2006. If multiple assignments are claimed, valid Deeds of Assignment for each must be provided. Failure to do so indicates non-compliance with Section 136 of the Law of Property Act 1925, which can be viewed as an admission that they lack the legal right to collect the debt.

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While they may argue that a deed of assignment is a private document that does not need to be shown, case law from the Supreme Court has established that this argument is not valid. Without the deed of assignment, they cannot demonstrate legal title to the claim, resulting in no claim and no evidence.

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Consumer Rights and Debt Validation

 

Under recent OFT Guidance (issued October 2010), creditors must provide specific information to debtors as outlined in Sections 77-79 of the Consumer Credit Act 1974. Debtors can request a true and certified copy of the original contract or credit agreement for a statutory fee of £1. This includes:

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Copies of documents referenced in the agreement

A statement of account

Validation of the alleged debt with full accounting

 

It is crucial to remind these agents that profiting through deception constitutes fraud, as defined by the Fraud Act 2006. Demanding payment without a legitimate commercial arrangement is an act of deception.

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Enforcement Legitimacy

 

The Tribunal Courts and Enforcement Act 2007 does not recognise private companies as enforcement agents, leaving them unregulated unless they can prove otherwise. The Magistrates Court Act 1980, Section 125B only permits authorized companies to execute warrants. If they claim to hold such a warrant, request that it be executed via Royal Mail only.

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If you are being harrased by a DCA check to see if they are registed with BPA Approved Operators - HERE

 

What can you do

 

Join - Checkmate The Matrix the platform provides a structured, all-in-one approach to help you confidently challenge enforcement actions in a lawful and informed way. It brings together clear guidance, practical resources, and step-by-step strategies to understand procedures, assert rights, prepare documentation, and respond correctly at each stage of the process.

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Important Update:

 

Peter previously offered 7 days of free access on Skool.com, but due to repeated misuse, this option has been removed.

Membership is $65 a month (billed at £50) and your free to cancel anytime, which works out to less than £1.70 per day - an investment you can’t afford not to make.

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You’ll receive full access to all Checkmate the Matrix classes, meetings, tutorials, and resources, as well as the Affiliate Marketing Knowledge Share. This includes a live weekly Tuesday meeting hosted by Peter, who has already set up everything you need.

Checkmate the Matrix is not just about debt. A wide range of real-world topics are discussed covering almost everything you can imagine that affects modern life.

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A key part of the platform is Checkmate the Matrix Sovereign Debt Reduction Negotiator. This allows you to become your own independent financial-affairs advocate for your alleged debts. By simply taking on another name, you advocate for yourself in a calm, lawful, and structured way. It speaks where you cannot, removes emotional pressure, and handles the stress on your behalf.

All tutorials, templates, and paperwork are provided — you simply follow the step-by-step process.

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Members also can earn a 25% monthly referral commission through Skool.com (terms apply). With just two referrals, your membership becomes free. Every referral beyond that means you’re effectively being paid to learn, grow, and share knowledge.

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Check back regularly for updates and share this community far and wide like Checkmate the Matrix Life after Debt also covers many topics so please be sure to check out the other pages

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Download your FREE ebook - Survival Guide! Checkmate The Matrix – The Debt, Fines & Enforcement Survival Guide - Here

 

Make the best decision you can today - Join a community of like-minded people willing to help and support you

 

Join Checkmate The Matrix  - Here

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