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    • Hello everyone,   Just thought id post an update.   I've today now finally received a claim form from PRA Group. Bit annoying as the last payment to them would have August 2018 so was nearly over the line. I believe my only grounds for defence is that they haven't managed to produce a copy of the DN notice, however from some online research I managed to find some case law that stated they can use their systems screenshot to show proof of it being sent.   I know I have to respond back to their claim form and will do so online on moneyclaim, is now the time to pick up the phone to them and negotiate a deal?   Any advice as always is much appreciated it.
    • 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.    
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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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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.

      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.
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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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In 6 weeks in November-December, I lost just under 5 kgs.

 

Starting Monday, Lula and I are re-starting, but as we don't go for the "starve yourself thin" diet, we'll be starting a different thread with tips and advice for those who might be interested!

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Good luck to all of you.

 

I lost 20 pounds today, but dont worry, i found it under a cushion.

I Wish you everything you wish yourself.

 

NatWest Claimed £1,639. Accepted £1,344.

Natwest Paid me again as GOGW £1,656. Yes they can have it back if they say please.

Barclays 1 Claimed £1,260. Won by default. Paid in full

Barclays 2 Claimed £2,378. Won by default. Paid in full

Birmingham Midshires. Claimed £2,122. Accepted £2,075.

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I've managed 2lb. Not bad for three days.

 

Molly how did you manage 8lbs? Tips pleeeassee:)

 

 

Wino, the best thing to do is, whatever method you're using - halving your food portions, eating more healthily, attending a club - try to weigh yourself just once a week at the same time, say Thursday morning ... good luck :p

 

Oh, and BTW, remember the old vino is empty, empty calories ... lol

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In 6 weeks in November-December, I lost just under 5 kgs.

 

Starting Monday, Lula and I are re-starting, but as we don't go for the "starve yourself thin" diet

I am not into that either Booky.

I will not be getting that hungry, I can assure you ;)

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Of course you can saintly. You can have some of my weight if you like. I have plenty to go around. :D .

[sIGPIC][/sIGPIC]If you think my post was helpful, please feel free to click my scales

 

 

A prudent question is one-half of wisdom.

 

:D

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Oooo, have been offline for a while and have been dying to post on here. I started on my WeightWatchers diet Monday (don't we always start our diets on a Monday girls?;)) and have lost 2lbs since then.

 

TBH, I lost two stone a while back and I've only really put about 8lbs back on but am feeling it, so have decided to start again.

 

What I like about WW is that because every type of food has a points value and I have a set amount of points each day, if I don't use all my points up, I can save them for treats. For example, I had chips, two rashers of bacon and a poached egg on Wednesday night so that was my treat for the week:D I did salivate over the Cornish pasty I put on Mr Bo's plate but at 11 points it's a bit of a "no, no" - well, it is compared to beer :o

 

However, I have saved some points up so I can have some alcohol at the weekend, I can still have a chinky on Saturday night and a roast dinner on Sunday (going easy on the roasties and Yorkshires) so it suits me fine :)

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I think thats the secret of success for any weight loss method, we are all different so find the one that suits you, it may not even affect your diet if its easier and you enjoy additional exercise more try doing that.

 

Very true ;) I'm off to Ambleside in the Lake District this morning for a lovely walk ... and a bit of girly gear shopping afterwards.

 

... and will be very restrained (food and drink wise:D ) in the pub afterwards.

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I think thats the secret of success for any weight loss method, we are all different so find the one that suits you, it may not even affect your diet if its easier and you enjoy additional exercise more try doing that.

indeed CB, so true.

anyway, 4 lbs lost this week, the weight watchers is working OK.

There are things on there I do like, so I am trying to concentrate on what I can eat tather than what I cannot.

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I lost some but have had a very stress full week so to keep going on comfort food and wine and put it back on but got through it not quite how we hoped Do you know you can win a great battle and lose a fistful of money never mind I start loosing weight tomorrow till the next stress time, any ideas to relieve stress apart from booze and food

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I lost some but have had a very stress full week so to keep going on comfort food and wine and put it back on but got through it not quite how we hoped Do you know you can win a great battle and lose a fistful of money never mind I start loosing weight tomorrow till the next stress time, any ideas to relieve stress apart from booze and food

 

I usually have a chat to someone. Start off with what bugs you and then go onto something that is good. Usually works for me.

 

I'm having a little, tiny, wee, bit of a day off from dieting, Hopefully it won't affect me too much. I just fancy a bit of wine that isn't watered down.

[sIGPIC][/sIGPIC]If you think my post was helpful, please feel free to click my scales

 

 

A prudent question is one-half of wisdom.

 

:D

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My jeans feel less tight today, not sure if it's weight loss or if the washing machine is destroying things again

Any posts submitted here on the Consumer Action Group under the user name GlasweJen may not necessarily be the view of the poster, CAG or indeed any normal person.

 

I've become addicted to green blobs (I have 2 now) so feel free to tip my scales if I ever make sense.;-)

 

 

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I lost some but have had a very stress full week so to keep going on comfort food and wine and put it back on but got through it not quite how we hoped Do you know you can win a great battle and lose a fistful of money never mind I start loosing weight tomorrow till the next stress time, any ideas to relieve stress apart from booze and food

 

They reckon exercise is good. Even if you only get out in the fresh air for a few minutes to clear the cobwebs it can make you feel better able to cope. Easier said than done when you need to be in 3 places at once.:(

 

Talking can also help, although I know I sometimes want to forget about what's going on. I felt better yesterday for a good cry and a big cuddle off my hubby, bless him.

The Consumer Action Group is a free help site.

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Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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