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Found 3 results

  1. Hello all. I submitted a claim using MCOL a few weeks ago for a Deposit I gave to a Landlord (LL) when I lodged with them for 6 months, a total of £600. I am claiming that amount, including interest and court fees totalling just over £700. I took all reasonable steps to get the deposit back but the LL started blanking me and made promises to pay but never did. I started the MCOL process and they submitted an acknowledgment of service, stating they are going to defend the entire claim. Fair enough, thats their right. However herein the problem lies. I had been using the LLs current address to send all my formal letters and put it into MCOL with served the particulars of claim to them at that address (thus enabling them to submit an acknowledgement of service). However in their acknowledgement of service they put changed their address to their old address where they no longer live and havent done so for a year. This now means further documentation from the court will go to their old address - and my best guess is that when it comes to it they will try and get the claim set aside because they haven't received further court correspondence (because they've intentionally put an old/false address). Does anyone have any advice on how to deal with this? Thank you!
  2. good evening all, I am close to the end of a six year default by Natwest on an "alledged" loan. They have been unable to locate the original credit agreement rendering it unenforcable. I have been reading about the 6 year time limit but am usure on a certain aspect. It states that the 6 years can start again if a payment has been made or if you have acknowledged the debt in writing. I would be grateful if someone could clarify what constitutes "acknowledged". I last wrote a without prejudice letter to them in November 2010. I stated in the letter that i am writing on conjunctio to their previous letter regarding an alledged loan. Does this constitute acknowledgment? and if so does that mean that the time starts from the date of this letter. No payment has been made for over 6 years. I am considering sending them a statute barred letter but am worried that this may also be taken as acknowledgment? Any advice would be greatly received. Many thanks.
  3. Ive already got my thread going so thought Id open a new one for this.... this is my BFs debt! 2004, he took a loan out for £6000, paying it off, as agreed, but then lost his job. They wouldnt help with lowering payments, got to the point he stopped altogether. Christmas eve, we recieve a letter from Wescot, saying he owes £5,608.68 - obviously charges are on there. Just a quickie really for now. How do I tell them to p*ss off politely whilst I send CCA to Natwest? His got to the 5th of January to take action. It says 'Failure to take action could result in recovery via the following methods : 1 - Instructions to commence legal action, this may result in a CCJ, or a decree and your debt increasing because of court costs. 2- A door step collector being instructed to visit your home and collect the outstanding balance personally'
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