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    • Please see my comments on your post in red
    • Thanks for your reply, I have another 3 weeks before the notice ends. I'm also concerned because the property has detoriated since I've been here due to mould, damp and rusting (which I've never seen in a property before) rusty hinges and other damage to the front door caused by damp and mould, I'm concerned they could try and charge me for damages? As long as you've documented and reported this previously you'll have a right to challenge any costs. There was no inventory when I moved in, I also didn't have to pay a deposit. Do an inventory when you move out as proof of the property's condition as you leave it. I've also been told that if I leave before a possession order is given I would be deemed intentionally homeless, is this true? If you leave, yes. However, Your local council has a legal obligation to ensure you won't be left homeless as soon as you get the notice. As stated before, you don't have to leave when the notice expires if you haven't got somewhere else to go. Just keep paying your rent as normal. Your tenancy doesn't legally end until a possession warrant is executed against you or you leave and hand the keys back. My daughter doesn't live with me, I'd likely have medical priority as I have health issues and I'm on pip etc. Contact the council and make them aware then.      
    • extension? you mean enforcement. after 6yrs its very rare for a judge to allow enforcement. it wont have been sold on, just passed around the various differing trading names the claimant uses.    
    • You believe you have cast iron evidence. However, all they’d have to do to oppose a request for summary judgment is to say “we will be putting forward our own evidence and the evidence from both parties needs to be heard and assessed by a judge” : the bar for summary judgment is set quite high! You believe they don't have evidence but that on its own doesn't mean they wouldn't try! so, its a high risk strategy that leaves you on the hook for their costs if it doesn't work. Let the usual process play out.
    • Ok, I don't necessarily want to re-open my old thread but I've seen a number of such threads with regards to CCJ's and want to ask a fairly general consensus on the subject. My original CCJ is 7 years old now and has had 2/3 owners for the debt over the years since with varying level of contact.  Up to last summer they had attempted a charging order on a shared mortgage I'm named on which I defended that action and tried to negotiate with them to the point they withdrew the charging order application pending negotiations which we never came to an agreement over.  However, after a number of communication I heard nothing back since last Autumn barring an annual generic statement early this year despite multiple messages to them since at the time.  at a loss as to why the sudden loss of response from them. Then something came through from this site at random yesterday whilst out that I can't find now with regards to CCJ's to read over again.  Now here is the thing, I get how CCJ's don't expire as such, but I've been reading through threads and Google since this morning and a little confused.  CCJ's don't expire but can be effectively statute barred after 6 years (when in my case was just before I last heard of the creditor) if they are neither enforced in that time or they apply to the court within the 6 years of issue to extend the CCJ and that after 6 years they can't really without great difficulty or explanation apply for a CCJ extension after of the original CCJ?.  Is this actually correct as I've read various sources on Google and threads that suggest there is something to this?.
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    • 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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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LBA from Optima Leagal Services*WON* DISCONTINUED BY CONSENT*****


Viano
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Well he has had excellent advise of here so nor do i.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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Yes its a great result for ONE person . Unfortunately it would have been a better result for ALL, IF , it had gone to court . We would then have a Court RULING, setting a precedent that a illegible application form is not acceptable as an enforceable agreement . This is why BC withdrew, they knew it would cost them millions . As it did in the unfair charges cases ! Luckly I,m already on this bandwagon .

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Sorry stapeley, it would be nice, but County Court cases don't set precedents that can be quoted in other cases, only higher court decisions do that.

 

Many congrats. to all involved in this case though. It's a great reward for the determination of one & the knowledge & generousity of the other. Well done guys. :D:D

Any knowledge I possess or advice I proffer is based solely on my experiences in the University of Life. Please make your own assessment of legality, risks & costs before taking any action.

 

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Yes its a great result for ONE person . Unfortunately it would have been a better result for ALL, IF , it had gone to court . We would then have a Court RULING, setting a precedent that a illegible application form is not acceptable as an enforceable agreement . This is why BC withdrew, they knew it would cost them millions . As it did in the unfair charges cases ! Luckly I,m already on this bandwagon .

 

(a) County Court does not have the authority to set precedents... and

(b) No precedent is required; the Law already states in black and white that Agreements must be legible.

 

By the way - had there BEEN a Judgement in Court, it could still have been referred to in other County Court cases; however it has no weight - i.e. a Judge will consider it as useful information, nothing more. A precedent set by the High Court is legally binding on lesser Courts and can only be overturned by a Court of Appeal or the House of Lords.

Edited by Movingon
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Okay , thanks for that . Hopefully it will give others in same situation courage to see the cases through to the end . As mentioned before I am in dispute with a DCA acting for Sainsbury Card. Although the application is set out a little differantly, it is a very poor copy of an application form from 2002 .

Edited by stapeley
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Hi all,

 

Sorry for the delay in expressing my thanks for all the help, backing and support, the delay is due to the vagaries of the atmosphere (not kidding) as I'm using a mobile 'dongle' to connect me to the internet and it is not as good as it could be.

 

Anyway, once again thanks everybody for all the help, backing and support.

 

PT knows how grateful I am for his time and knowledge.

 

If their is any help or backing I can give that I have learned from this experience please don't hesitate to give me a shout.

 

And I agree-a great result.

 

Viano

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HI V,

 

As i said on the dog and bone your very welcome, i am a wee bit disappointed that we never made it into the court room but i feel that this was the best outcome

 

Oh BTW, just to let you know, the emails all came through this morning in a large block

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Just wanted to say congratulations...Fascinating thread and well done for seeing it through...Hopefully it may help me if I ever get to this point...:D

 

Nice one!!!

:)** Any opinion expressed by me is given with the best intentions - But I could be wrong so bear that in mind**:)

Missed Call Checker - http://whocallsme.com/Phone-Calls.aspx/077/m

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I haven't read the complete thread, but well done and congratulations Viano and Paul (another case to your credit Paul - excuse the pun!) :D:D

 

ATM I'm paying small token payments to Barclaycard which they seem happy about for the time being, but I realise that they'll probably end this arrangement at some point, and then I'll have to follow in your footsteps!

 

I probably won't make CCA requests to them until they start playing nasty again.

 

Cheers

Rob

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Okay , thanks for that . Hopefully it will give others in same situation courage to see the cases through to the end . As mentioned before I am in dispute with a DCA acting for Sainsbury Card. Although the application is set out a little differently, it is a very poor copy of an application form from 2002 .

Received letter from DCA this morning , in response to third letter pointing out the application form copy they sent was illegible . I quote " as we are unable to assist you with your request. We have closed your account and will not be taking any further action ." This is despite two , FINAL LETTER BEFORE ACTION , and several , Phone us immediately to avoid court action . Are these parasites finally getting the message ?

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seems like it.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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It seems at first inspection of the facts we have that that the "Senior Barrister at Law" they hired has given their solicitors a real roasting about what you can and what you can't get away with in a Court... and that the solicitors have returned to their client with their tail between their legs and advised their client APPROPRIATELY.

 

Interesting turn of events, this... we should ask the Mod team to link any threads which refer to Optima/Barclays/etc which are closed in this way here on this thread to get an idea of an actual trend... will someone who can safely enable their Private Messaging service please ask the question???

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