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    • If you have legal cover and insurance, you can try going ahead with your Insurer. They may be able to refer you to their "Legal Partner" but do your research.  If you know where 3 of them live, you can attempt to take them to court, but in todays climate, going legal will not get you the result of £15k that you are after.    Others may have their own input - But in reality you are asking for £5k from each of them - Might find it hard to recover that in a timely manner.  Like I said earlier - Your option maybe to take the hit now and factor it in to future tenancies. 
    • I have insurance that covers legal matters for this property, and I can confirm it with the insurance company. I also know where the tenants currently live, as all three have moved to the same place. There's been a lot of mold growing in the property over the past few months. All the builders who came to look at it think the mold grew because the windows were kept closed, lack of heating. In the past few months, they haven't used much gas or electricity, as shown by the smart meter I checked. Recent trace and access report says there's no water leak in the property. I have lots of photos from when I moved in until now. But in court, more people usually want to sue the landlord, not the other way around.
    • simply write to them, offering one months fee, give them 14 days to accept. if they sont accept, ignore everyone. Harlands too! and the extra £20 penalty is not allowed either. thread title updated. dx  
    • So technically you could push it via the courts with the clause in the AST (I remember seeing something about this recently)  However if one has left the country - It might make it hard to recover it all from the others.    How would you look to bring action against all parties involved? Do you know where all of them currently are?  You can service to last known address but as you know they have moved on - It could be held against you by a judge if it goes all the way.    I think you need to consult a solicitor on this one - Its a complex claim against multiple people rather than a simple Creditor vs Debtor claim we see here. 
    • Initially, the property was let to four foreign students, but they are no longer on student visas. During midterm, two of them moved out, and two new friends of theirs moved in, one of whom is the lead tenant's British girlfriend. The lead tenant got married to a her and became a dependent who is now one of the tenants in the AST agreement. The third tenant found a work permit visa, and the fourth left the country a few months ago. Recent contract only three.  Please see the attached AST, which seems that I may be able to claim any costs exceeding the deposit. All ASTs were signed electronically using the MUDHUT template. AST-name removed.pdf
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Cold Called whilst staying at relatives house?


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My wife has been staying at a relatives house.

 

Someone just cold called the house asking for her from Nationwide, she has an outstanding loan, credit card, and overdraft with them..

 

are they allowed to do this ? - i thought not. ??

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shouldnt give her number out then on social media...

 

its not nationwide anyway I bet

it'll be a fleecing dca?

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Sorry.. i didn't type that correctly.. it was a home visit dx.

 

and guy knocked on the door for her, and asked for her. claimed he worked for Nationwide.

 

There is a DCA that the loan has been passed on to from Nationwide.

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no its been sold on

not passed.

 

and they dca will use anyay they can to find people.

 

next time

call the police 101

 

a DCA doorstepper is NOT A BAILIFF

they have ZERO legal powers.

 

who?

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

My wife has been staying at a relatives house.

 

Someone just cold called the house asking for her from Nationwide, she has an outstanding loan, credit card, and overdraft with them..

 

are they allowed to do this ? - i thought not. ??

 

How did they know she was staying with a relative and how did they know the address ?

 

Or did they visit your house and you answered the door ?

 

What did you say to them when you opened the door?

 

What has your wife staying at a relatives got to do with this post ?

 

:???:

 

Regards

 

Andy

We could do with some help from you.

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nope

but they've no powers anyway.

 

so who has she been getting letters from?

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

She changed her address on her accounts to that address.Why....does she no longer reside with you at your address ?

 

I thought that home visits had to be pre-agreed ?

No.....not for DCAs...possibly mortgage arrears on a mortgage

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

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what does her credit file say for this debt?

d

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

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