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    • 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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    • 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.  

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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.

      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.

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      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
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How did you find this website?


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hi I found this site the other week thanks to LBC radio. since then i have tried to read as many of the threads i can, and have been shocked by all the thinks banks get up to. I have now sent a DPA letter to the Woolwich via special delivery so i will be starting the 40 day countdown tomorrow

 

Dave

Data Protection Act sent 10/03/06.....1st request 25/03/06.....LBA letter 10/04/06

 

Claim No : 6RG02794

Reading County Court £1,616.26 + interest

Served on : 27 April 2006

Acknowledged : 3rd May 2006

defence submitted by 24th May 2006

Allocation Questionnaire submitted 5th June

Court Hearing : 2nd October 2006

SETTLED OUT OF COURT 12/09/06

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I too found this site on http://www.moneysaving expert.com and it made me want to do something instead of just feeling like an (unwilling) cash cow for First Direct. I just phoned them (using the cheap geographical tel. no.-0113 2345678 rather than the expensive 0845 one they publicise, by the way) and I asked them for the last six years of charges on the two accounts we have, as I no longer had the complete record in statements. I was told this would cost me £10 for the letter they would have to produce. Hm. I suppose they are justified?

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I found it after leaving my bank on Monday feeling incensed at the smugness as I was told they would not refund a bank charge, and furthermore would charge me again if I went into unauthorised O/D as a result.

 

I came home, turned on my computer and decided to see if there were any other disgruntled people like me feeling helpless about this criminal behaviour. I simply googled 'exorbitant bank charges' and found bankchargeshell first followed by moneyexperts and then this site. I haven't looked back since!!

25/06/08 - NatWest - Prelim letter

09/03/06 - Halifax - Settled 27/4

22/03/06 - Capital One - Settled 24/6

17/04/06 - Nationwide - Settled 8/9

 

 

Hit the DONATE BUTTON and give 5% back to support this site!

 

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I was flicking through Amazon looking at books, saw a book on money saving by Martin Lewis. Read a review that mentioned his site, saw the link to Bank Action Group. I only found all of this on Tuesday night, the letter to Abbey should of hit their mat yesterday morning!!!

Letters sent for two accounts 8/03/06 - 40 days= 17th April

Reminders sent 5th April (along with cheque) 12 Days to go...

Rang Abbey 1600 18/04/06 asking where info is....

Sent Letter to Infomation Commissioner 18/04/06

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A friend of mind told me a while ago about the possibilitys of getting bank charges back (must have been when I was ranting and raving about my bank charging me). However when he told me I looked into it somewhat

 

I found that on the whole the infomation out on the internet was somewhat jarbled, and to someone with limited legal knowledge it was hard to work out the best ways to do things.

 

He then forwarded to me this forums address a couple of days ago, and I found the infomation all in one place in an easy to read format, that even I could understand.

 

After doing a hell of a lot of reading, i have now decided to start a claim against my bank.

 

I would also like to add, thanks to everyone who is involved with putting the advice and infomation on here, without this infomation being easy to read and find, a lot of people would simply do what I did at first and stop at the first hurdle.

I may not have gone where I intended to go, but I think I have ended up where I needed to be.

http://www.saner-the-stoner.com - Life the universe and everything

http://442online.net - 442 Football Forums

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Someone already a member posted it on another (totally unrelated) forum.

If you find my post helpful please click on the scales at the top. Thank you

FAQ SECTION HERE

 

Halifax Bank Claim filed and settled

Halifax Credit Card settled

Argos Store Card settled

 

CCA requests sent to

Halifax Credit Card

LLoyds TSB Credit Card

Capital One

Moorcroft (Argos)

NDR

18/06/09

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Like many others I found the site via "Martin's Money Saving Tips". Great information (so good to see it free of legal jargon) and easily understood.

 

Brilliant! Keep up the good work.

 

Paul

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(so good to see it free of legal jargon) and easily understood
If I knew some legal jargon, I would use it but nemo dat quod non habet. :roll:
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I Natalie, what was the other forum? It would be interesting to find out.

 

Livefoods.co.uk/forum

 

Its owners and breeders of reptiles, told you it was unrelated :lol::lol::lol:

If you find my post helpful please click on the scales at the top. Thank you

FAQ SECTION HERE

 

Halifax Bank Claim filed and settled

Halifax Credit Card settled

Argos Store Card settled

 

CCA requests sent to

Halifax Credit Card

LLoyds TSB Credit Card

Capital One

Moorcroft (Argos)

NDR

18/06/09

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reptiles and banks - well ... not so unrelated, really.

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I've just put a link up on another forum I use twinsclub.co.uk (parents of twins and multiples)

If you find my post helpful please click on the scales at the top. Thank you

FAQ SECTION HERE

 

Halifax Bank Claim filed and settled

Halifax Credit Card settled

Argos Store Card settled

 

CCA requests sent to

Halifax Credit Card

LLoyds TSB Credit Card

Capital One

Moorcroft (Argos)

NDR

18/06/09

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I found it via Martin's tips.

 

I'm currently doing a start-up business course and the other day we were discussing bank accounts. I felt it my duty to bring up the subject of bank charges and all in the group agreed that it was horrendous. After listening to many disgruntled individuals I informed them that what the banks were doing was illegal. Well, that opened another can of worms and a very heated discussion about government, the cheating banks etc etc. I told them about this website so be prepared for more people joining lol.

 

My bit done for the good of the common people. :)

Lloyds TSB claim £1896.27

Need to send DPA to Barclaycard and Barclays Bank

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I found this site on martin's moneysaving site, I then posted a link on 2 forums I go on (Livefoods and K9community)

Data Protection Act letter sent 10/04/2006,

priliminary letter sent 23/05/06,

LBA sent 7/06/06

claim issued 23/06/06

deemed to be served 25/06/06

Abbey Acknowledged with intent to defend, they have got until: 23/07/06

50% offered + interest, rejected: 21/07/06

AQ recieved 27/07/06,

AQ posted back 09/08/06

Court date 13/12/06

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yeah thats the one .

 

I`m just busy spreading the word & when I get my money back i`ll buy you a whole book. You deserve it.

 

Same here, if I get my money back I'll be looking at donating about 5%-10% of it to the B.A.G, so probably looking at around £150ish

If you found this post useful, please click on the "scales" icon in the bottom left of my post and say so!

 

The opinions of this post are those of monkey_uk and do not constitute sound legal advice. I am not a lawyer.

--

 

Halifax Unlawful Bank Charges: S.A.R - (Subject Access Request) Sent 28/02/07 - CC Statement's rcv'd 18/04/07 Bank a/c statements rcv'd 19/04/07

 

 

 

First Direct Unlawful Bank Charges: Settled in Full 12/05/06 | £2235.50

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