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    • If it was done via N245 and the payments are up todate then the landlord must make an application with fee for a redetermination. Can't execute with bailiffs can't do anything until he attends a hearing and presents his arguments    ignore. Andy
    • Sorry I didn’t think to come and update this.    So the outcome was that he went to court. Apparently the judge told the landlord off for not sending a letter before action but did nothing about it. He didn’t accept all the damages the landlord claimed, and told him off for accusing my friend of deliberately and maliciously damaging anything, and he awarded him small amounts of the damages he claimed for. The landlord had also made an awful lot of things up that never existed and accused my friend of stealing them, and the judge didn’t accept any of those claims.   However, I’m back asking advice now. So he made an offer of payment via the court forms, sometime before Christmas and straight after the hearing. The landlord didn’t reply so the court accepted the payments.  My friend has been paying the £10 a month each month. Then a couple of days ago he had received a letter from court with a hearing date in a couple of weeks, and a very irate letter from the landlord saying that my friend has consistently lied and that nothing he says should be believed, and that he wants the bailiffs to be called on him and that he absolutely refuses the payment plan. The letter is marked as received by the courts in December and this is the first that’s been sent since then. My friend and his wife are now panicked, what does this mean? And can they now get bailiffs sent round? He earns an ok wage, which somehow the landlord has referred to in his letter, but he equally has a lot of expenditure and can’t afford to pay any more. What will happen at this hearing and can they send out the bailiffs just because the landlord wants them to?    I have no clue what to advise him, can you help at all please?
    • Thanks Bank – I took your cynicism / experience on board and responded thus: Thank you for your response Mr Schnur  I set out my position quite clearly in my letter of claim and nothing has changed. Your insurance requirement is unlawful and is contrary to section 57 of the Consumer Rights Act, and also section 72 of the same statute. I would also refer you to the outcomes in PENCHEV v P2G (225MC852) and SMIRNOVS v P2G (27MC729).  My deadline for action - 1 May 2024 - still stands.
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Alev Uk secured credit ltd chasing Repossession Shortfall


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Hi

Has anybody heard of Alev Uk secured credit ltd.

Can’t find a great deal about them.

It’s regarding a shortfall on the mortgage after a repossession.

 

Never had a mortgage with them, I’m presume they have bought an old debt.

We have never had contact with the lender since repossession 10 years ago!

 

Any help would be appreciated.

Edited by dx100uk
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Thread moved to the correct forum...please continue to post here to your thread.

 

Thread title amended

 

Regards

 

Andy

We could do with some help from you.

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duplicate threads merged

Duplicate posts removed

 

Not on the fca register..ignore the fleecers

Can you scan to pdf please read upload

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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They are using Shoosmiths.

Haven’t a clue who they are.

 

It has been just over 10 yrs since the house was repossessed not once have I had any communication with the lender. Just a standard letter Shoosmiths are acting for the client named above, please contact to discuss ways of paying etc, in 14 days.

 

I will wait and see what comes next.

Do I use the 6 year no contact?

Edited by dx100uk
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Have you received a Letter ?

 

From Shoos or Alev Uk secured credit ltd ?

 

Mortgage shortfalls ( capital ) are 12 years...only mortgage interest is 6 years.

 

 

Andy

We could do with some help from you.

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Letter from Shoosmiths on the behalf of Alev uk.

 

It was my understanding if there is no contact from the lender in the first 6 years then if they follow the code of good practice they would have a job to pursue it.

 

Alev were the not the original lender so they must have bought the debt.

If the original lender thought they had a good chance of getting the money back would they have sold it on.

 

Just starting to get my head around the issue.

Edited by dx100uk
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Was you aware the debt had been assigned ? Did you ever receive a Notice of Assignment ?

 

Do you owe capital or interest? This will affect which time limit applies to your debt. In most cases, it will be capital and the 12 year rule will apply. If you think you owe interest then 6 year rule applies.

 

Check if your original mortgage lender is a member of UK Finance. If they did not contact you before 11 February 2000 and it is six years or more since the house was sold without any contact from your lender, you can use the UK Finance policy with your lender.

 

Has your lender sent you a letter within six years of the sale confirming that there is a mortgage shortfall and that they intend to recover the debt? If you did not receive this letter you may be able to complain to the Financial Ombudsman Service (FOS).

We could do with some help from you.

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Hi

No I wasn't aware it had been assigned. I haven't had any kind of letter/communication with the original lender. It never appeared on my credit report.

I suspect I will owe capital plus charges. The original lender was Deutsche bank then sold to Total Mortgage Solutions.

Should I wait and get the next letter before challenging?

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TMS typically only ever handled shortfalls that are unenforceable for whatever reason

Thats why theyve sold it on again

Pers id sit on it

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

Might be prudent to issue a DSAR to them and get all the information they hold...then your one step ahead.

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

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Thanks. I will wait for the next letter, see what form of wording it takes. I didn’t want to SAR them at this stage, as then I’ve made contact. Plus the SAR will delay the process.What stage would I complain regarding no contact for ten years, and to whom would I complain to?

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p'haps it might be prudent to sar the original lender, or the one that owned the mortgage at the time and just after repo?

that will show you if any letters were sent regarding the shortfall?

this shouldn't 'alert' Alec to anything

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

doubt it!!

 

seems like they are after funding their holidays on free money by finding some mugs to fleece.

 

obv bought an old portfolio of these shortfalls from another fleecer that failed and are trying to offset their obv 'loss' when they found out they been had by their mates in the trade

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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  • 2 weeks later...

Just a quick update. Received another letter, basically the same as the first. Gives me another 14 days to reply. Going to sit tight and see what the next letter has to say.

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  • 6 months later...

Hi Everybody.

Since my first post regarding this issue back in August 18, I have received numerous letters from Shoosmiths wanting to discuss a payment plan etc.

I have now received a letter from them stating that since I haven't replied they are going to advise their client to issue legal proceedings regarding the shortfall owed on the mortgage.

Any advice would be appreciated, do I wait for legal letter? 

Do you think ShooSmiths are just threating?

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Ah you have a thread sorry

Sounds like more silly threats to me.

 

 

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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