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    • Hi, I am a local authority tenant and was in a 3 bed house. At the end of last year, my last child moved out and so did my spouse as we are now going through a divorce which meant that I was in the house alone and decided that I needed to downsize not only for myself but to offer the property to a family that needed it. I registered on the local authority housing bidding site as i was asked to do and I was accepted and given a priority banding as I was downsizing and they were desperate for my house. I have been extremely lucky and after about 6 weeks was accepted for a new build from a housing association via the housing gateway. I viewed the property 2 weeks ago and had to sign the tenancy last week when they were doing bulk signups for the houses and that is the day I moved. In between viewing and sign up, I contacted my current local authority landlord and asked how I give notice as I had been accepted for a property I had bid on and was moving.  The lady told me how to do it online and then said that I needed to give a full weeks notice which wasnt a problem as I had enough time.  (I was also told a weeks notice was what i would need to give by another staff member about a month ago when I phoned up for another housing related question.  I dont have any of this in writing.) I have now moved, handed back the keys and I am now being told that I need to give 4 weeks notice which I cannot afford. I hav e spoken to the council again explaining that I was told a week and that to be honest, if I knew they were going to charge me 4 weeks I would not have been able to move and would have stayed in the other house.  I thought I was doing the right thing. They said that calls are recorded and they asked me when I called in and was told a week and they would listen to the telephone conversation and if it was correct what I was told, they would see what they could do to reduce the notice period. They have now emailed me back and said that they have listened to the conversation and the lady said 4 weeks notice and I am liable for 4 weeks rent.  Now I may well of misheard her when I thought she said a full weeks notice she may have said 4 weeks notice but I am sure she said a full weeks notice and i was told a week by another member of staff a few weeks ago. I have emailed her back and said that I may of misheard but I would like to listen to the phone recording myself.  As yet they havent responded. I think its unreasonable for them to make me give 4 weeks when I had to sign the new tenancy with little notice or loose the property.  And it was all done through their gateway, and they will have a tenant in there pretty much straight away getting rent from them. I am on a very low income, I am on my own, I have serious medical issues and I am really getting myself stressed out over this. Any advice would be so appreciated.  Can I insist they let me listed to the recording? RH  
    • Susan Crichton is at the Inquiry today. She seems to have trouble remembering a lot of things but seems to find it easier if it's something that shows her in a good light.
    • Send them a letter of claim straightaway. No point hanging around. Given 14 days in the letter of claim and if they haven't paid you by then, issue the claim on day 15. The amount of time is more than adequate for them to get going. Post your draft letter of claim here. A look at. Then log onto the MoneyClaim website and start preparing your claim and post your particulars of claim here for us to have a look at. Don't bluff. No point in it.
    • That's what we thought, but the store manager is inferring that, as the jeweller we used was not a member of the NJA, no one  would give what he said, any credence. The Jeweller we used is in fact, a long established, well respected company, with 2 store and rather than just being a retailer, they craft the most exquisite jewellery inhouse!  I wish my Fiancé would have bought from them rather than H Samuel! Do you think we do need to get another report from and NJA accredited Jeweller ?
    • Really pleased that you won. UKPC know that you have supremacy of contract but still they persist because so many motorists blindly pay them.   Muppets.
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Debts


Boro
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Have googled it already and searched the forum but cant put a name to the number, the number is 01789 473760 and they are indeed some kind of debt collector, if it rings a bell to anyone it would be good to know who it is thanks

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It's a stratford upon avon code, but Icannot find out whose number it is!

jaxads

 

Halifax - £2281, successfully refunded all charges after LBA letter & telephone call.

Have been offered the difference between the £20 and £12 charges from Capital One -- am sending LBA for remainder.

GE Money - Received settlement of £441, being total charges requested. No interest though.

CCA'd Bank of Scotland / Blair Oliver Scott to produce CCA Agreements on two Credit Cards - well in default, although still chasing payment!!!

EOS Solutions "ceased action on account" on behalf of a friend.

 

All in all, quite busy at the moment and enjoying every minute of it
:eek:

 

 

 

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I just dialled the number it never rang, just someone answered straight away so I said "You just called me" the guy on the other end said "If you give me your name and address I'll check" :confused:

 

Of course I never gave anything, I asked "Before I tell you who I am, who are you?"

 

His reply "I can't give out any company name until I know why you was called"

 

In the back ground I could hear other people answering phones also, sounds to be a call centre of some sort.

Thanks

- Hobbie

 

--------------------------------------------------------

Under no circumstances should you speak with a Debt Collections Agency via telephone, request that all future correspondence is done in writing, a letter template for this can be located here.

 

Any views expressed are solely that of my own, any advice or information offered is provided in genuine good faith, and should be checked prior to acting upon.

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If it's not Equidebt then they are literally a few streets away from them.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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I just dialled the number it never rang, just someone answered straight away so I said "You just called me" the guy on the other end said "If you give me your name and address I'll check" :confused:

 

Of course I never gave anything, I asked "Before I tell you who I am, who are you?"

 

His reply "I can't give out any company name until I know why you was called"

 

In the back ground I could hear other people answering phones also, sounds to be a call centre of some sort.

Exactly the same as above for me, wouldn't tell me anything 'til I told him my mobile number and name & address.

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recent events and this site have given me a bit more enthusiasm for sorting out debts/debt collectors as well as wanting to improve my credit record in order to get my own place,

 

been totting it up this morning and i figure i owe approx 19k to 14 different creditors,

not sure however where to start first,

only 6 of those have registered defaults against me,

all of which will be clear come september 2010,

 

two of which are banks where the amounts are entirely charges,

to these 6 creditors i owe £3350 or so less about £1500 of charges that i need to fight out,

 

is the first move just to cca anyone who contacts me regarding a debt? a

nd those who dont can be for later as i dont want to prompt people to chase me when there are not currently,

 

and subject access requests off to those who are claiming debts made up entirely of fees?

 

if someone was to make me bankrupt what happens during that year before being discharged,

do you need to get any spending approved?

 

i would rather not be made bankrupt for obvious reasons but would like to know should it ever happen,

also what effects would this have on getting a mortgage or say a credit card once discharged,

sorry lots of questions i know but easier than asking them in several threads

 

Wouldnt be in this mess had it not been for the circumstances at the time,

lost my job (so no income) and when i got in touch with creditors they just didnt want to know and kept on piling on the charges and interest ,

i could have done with you guys back then lol

 

:rolleyes:

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As far as bankruptcy goes, you are only allowed your day to day needs, any excess cash goes to the trustee, your bankruptcy will be on your record for at least 6 years....you are not allowed to get any more than £500 of credit during your bankruptcy (although you will find it impossible to get this anyway)...

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Yes but at least it would be a peaceful year....!! BUT...bear in mind that when you go and see the official receiver for your interview, they ask what your outgoings are, clothes, food, travel expenses.....I was amazed as they guided me to £300 per month for clothing for my family !!....

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Single, living with parents, dont own a car, no items of value other than tools i use for work (which as i understand it can be excluded from bankruptcy) but it is a condition of the unit i lease that i am not bankrupt so in becoming bankrupt it would effectively leave me with no income, rather not do it seeing how close i am to these debts dropping off my record etc

 

Quick question, i have a couple of small debts (under £250 each) that are registered as defaulted on my credit record, if i was to clear these debts either in full or by offering a figure to settle in full would these defaults be removed from my record and updated as settled? would doing this have a big impact (a positive one) on my credit record?

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I am led to believe that it doesn't really make a difference whether the default is showing as settled or not, it's still there and is still having a negative impact on your credit rating. However, there was an excellent post telling you how to go about getting a default removed from your file. Someone more in the know will be along shortly to help you further.

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Hi Boro

 

You've made the right decision to start dealing with your debts. With banks are they all overdrafts? Have a read of this thread:

 

http://www.consumeractiongroup.co.uk/forum/general-debt/31515-ccas-overdrafts.html

 

As you probably know, reclaiming bank charges is on hold but if you send your claim off now, you'll be in the queue!

 

You can go ahead with reclaiming credit card and loan charges though. Also, do you think you may have a case of mis-sold PPI on any of your accounts?

 

I have a few 'smaller' accounts which i am clearing 1 by 1. It won't get rid of a default but it is 1 less debt to worry about at the end of each month. I'm no expert on defaults, but surely a satisfied default gains a little more recognition than an unsatisfied one?!

 

Post your progress ;-)

I'm midway through the tunnel, but getting closer to the light.

 

 

 

Please be aware that i am not an expert in anything!

I may offer an opinion, but the final decision is yours.

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I badly need to raise some funds but although i have managed to bring my credit rating with experian back up to "fair" my rating with equifax isnt so good, mainly due to a couple of errors on the report, i dont own a house or car but do own some equipment of value which i could use to secure it on, question is who would do a secured loan for someone with a poor credit history and secure it on equipment? would a high street bank be prepared to arrange me an overdraft secured on equipment? any help/recommendations greatly appreciated!

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I think we need to know more about the equipment, though I'm dubious as to your securing a high street loan this way - as equipment usually depreciates from the minute you buy it.

 

HC

Any help and advice is offered in good faith, based solely on my own knowledge and on experience gathered from this site. I am not qualified to offer legal or financial advice, which you should seek from an expert before making any important decisions. My opinions are therefore offered without liability.

 

If I've been helpful, please click my scales. :-)

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  • 1 month later...

Just wondering what would happen in the following scenario, you have a debt which you have made no payments or acknowledgment to in over 6 years so should be statute barred now right, well you discover that someone else (family member or x partner etc) has been paying it so is the debt now not statute barred even if you had nothing to do with it? this isnt a real situation just something im curious about ;-)

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I think the acknowledgement, or payment, has to be made by the debtor, so technically, it would still be statute barred - OR the person paying the debt if they could prove that the debt was not theirs should have a good claim for their payments, plus interets etc.

 

but the DCA would say in their defence, who in their right mind, pays a debt that isn't theirs?

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