Jump to content


  • Tweets

  • Posts

    • OP stated they had been arrested, but not charged (let alone convicted). They DON'T have a criminal record, but do have an entry on the PNC. That information stays on the PNC (Police National Computer) for life, but doesn't get released in a standard DBS. It only MIGHT get released for an Enhanced DBS (eDBS) check  ... but it would be incredibly unlikely. (The rational behind this is that eDBS's allow for 'information at Chief Officer of Police's discretion' ..... this covers the 2 'barring lists' and is also intended for the scenario where someone has multiple arrests or investigations, where safeguarding is a concern .... it was brought in after the Soham murders / Ian Huntley case, where the information known about the now-convicted child murderer may have prevented his employment in a school, had it been made available). So, for the sake of accuracy and completeness, arrests stay on the PNC for life, wont appear in a standard DBS, MIGHT appear in an eDBS, but in reality, would be the exception rather than the norm, and I can't see them being released  to a defense barrister. What then if the defence found out a different way, and brought it up in court?. Again, unlikely, but the important feature is that the judge would make sure they trod very carefully!. They MIGHT consider using it if there were other factors that allowed them to try to cast doubts as to the truthfulness of your evidence, but on its own : No way. Anyone MIGHT be arrested (if a seemingly plausible complaint been made against them)! The approach to take if it did come up is to be truthful. "Yes, I was arrested. It arose from a vexatious complaint. I wasn't charged, let alone convicted. That could happen to any one of us, if a vexatious complaint gets made" Far better that than lying, saying you'd never been arrested, and getting caught in a lie : that would ruin your credibility. I'm incredibly doubtful it will even come up, though.
    • we dont get N157 because its new OCMC but no court dont have evidence either.   Just seems a bit of a pointless wait but oh well
    • Post #9 suggested some options to avoid or put off having a smart meter. Post #12 a simple solution to your complaint about the ay they handle fixed monthly DD. It's not really clear why you posted if you're going get irate when members "jump in" with suggestions. You can see what I'm referring to on "gasracker.uk" to allay your suspicion that I was lying in Post #16 which was made to correct ther misinformation shown in your Post #15
    • Back to octopus from the smart meter/tariff salesperson. Octopus have now said just ignore the letter - I dont have to have one despite there letter implying (at least) it was required, but that i will HAVE to have a smart meter if current meters stop working as 'their suppliers dont supply non smart meters any more'. They also say they do not/will not disable any smart functionality when they fit a smart meter I am of course going to challenge that. Thats their choice of meter fitter/supplier problem not mine
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

Alev Uk secured credit ltd chasing Repossession Shortfall


cat10
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 1865 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

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
Spacing
Link to post
Share on other sites

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.

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

Link to post
Share on other sites

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... 

Link to post
Share on other sites

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
Spacing
Link to post
Share on other sites

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.

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

Link to post
Share on other sites

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
Spacing
Link to post
Share on other sites

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.

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

Link to post
Share on other sites

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?

Link to post
Share on other sites

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... 

Link to post
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

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

Link to post
Share on other sites

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?

Link to post
Share on other sites

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... 

Link to post
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... 

Link to post
Share on other sites

  • 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.

Link to post
Share on other sites

  • 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?

Link to post
Share on other sites

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... 

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...