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    • Hi With the Section 21 Notice I do hope the Landlord issued you with: Energy Performance Certificate (EPC) for the Property How to Rent Guide A current Gas Safety Certificate (if gas in the Property) If above have not been provided to the Tenant by the Landlord then they can't use a Section 21 Notice until the above have been provided (note you don't warn the Landlord of this until but put it in your defence) Have a good read of this link: Evicting tenants in England: Section 21 and Section 8 notices - GOV.UK WWW.GOV.UK Information for landlords in England on tenant eviction: assured shorthold tenancies, including eviction notices, Section 21, Section 8, accelerated possession, possession orders, bailiffs  
    • good idea take some pix and put them in a PDF read UPLOAD dx
    • thread title updated moved to overseas debt forum. sadly as they are outside any UK jurisdiction upon DCA rules which state in the UK they must not call employers, there not alot you can do to stop these scammers. make sure you totally make private ALL social media twitter/facebook/linked in etc etc as there no-way for them to findout where you work otherwise so you must have a leak somewhere. find it. your employer details arent even legally available to UK DCA's so how have they found it out to date???  simply write to the BANK informing them of your correct and current address ALWAYS!!. if you want to arrange payment or not TO THE BANK ONLY thats upto you. never ever ignore a Statutory Demand a Letter Of Claim a Court Claimform. if if if any of those ever happen. till then ignore and rewash. dx    
    • Date of issue –   13 may 2024 AOS date 31st may defence filing date 14th june plenty of lowell card claimform threads here use our enhanced google searchbox Lowell card claimform id be reading at least 5-10 threads a day. do NOT MISS your defence filing whatever happens.  
    • Hello All,  I’m hoping someone can help me urgently here. Firstly, I’d like to say I have read multiple other threads and have some what an idea of what I should be doing, however my case might be slightly different so coming with my own questions here.    my situation is I lived in Dubai and had a credit card and a loan, loan with HSBC and credit card with Emirates (or the other way round), I lost my job and was forced to leave the country as I was staying in the country on my companies visa.    since coming back, after a few years 2 different debt collections agencies have been approaching me (one being IDRW and the other J&P). I’ve never answered IDRWW and they constantly chase me by calling and messaging me and my employer. My current company is ok with this as I explained the situation but I’m soon to be joining a new company who definitely won’t be ok with being messaged and called. I’m afraid to continue to ignore them as they may message and calm the new employer as they have before and I’ll lose my job. However, it seems clear from these forums that dealing with the debt collection agencies is never a good idea. You shouldn’t agree to the amount or pay anything.    j&p caught me on my phone but I still haven't sent them any money or confirmed the amount they’re saying is owed, they keep pushing to pay off the “principal” amount by making monthly payments, from reading these forums it seems like if I make one of those payments (they have provided bank details for ENBD), then it’ll just be paying off interest and not actually clearing the principle debt and the bank won’t even approve receipt of payment or that it’s coming off principle.    this is my predicament as ignoring them might not be an option if they chase my new employer. Maybe there’s a way to ensure the debt collection agency don’t contact my new employer?? I don’t know? Massively appreciate peoples help here. Thanks, 
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Howard Cohen Court Claim .**WON**


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Your first inclination is the correct one.

 

Don't talk to them on the telephone, ensure all communications are in writing. it is very easy to tell lies over the phone, much less so when your letters can be produced in court.

 

When and if they get in touch in writing, CCA them to establish who they are and what they want.

 

Until then, have a nice day!!

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First off, you're correct ,DO NOT call these people, ever.

 

Personally, I would ignore this until you here from Viking.

 

I would then start by sending a CCA request to Viking(You can use template letter N from the library here)

Making sure that the line "I do not acknowledge any debt to your company or their representatives" is clear (Bold and Big). Send letter recorded delivery, and keep the slip that you get from the Post Office safe. You can track the delivery to them online these days.

 

Once the letter has been signed for, wait 12 days.

 

If , after that period (12 days from date of receipt by them) expires and Viking have not sent you a true copy of the original agreement (with the terms and conditions, and signed by you) , they cannot enforce the debt.

 

At that stage the debt is in dispute.

 

If you like, you can let them know that they cannot enforce the debt and should not legally attempt to collect any monies. If they continue, update this thread and you'll get help with the next stage.

 

They may fob you off with 'it takes time to process blah blah' - Ignore that. The law is the law and the time limits allowed are fixed.

If a further calender 30 days goes by without them sending the original agreement, they commit an offence under the Consumer Credit act.

 

Hope that helps.

Struggling_Simon vs Cabot - WON

Struggling_Simon vs Abbey - WON

Struggling_Simon vs HBOS - Pending

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

IF I HAVE HELPED PLEASE CLICK MY SCALES

 

Vigilantibus non dormientibus æquitas subvenit

Somper in excretia,som solem profundus variat.

 

 

 

Opinions given herein are made informally by myself 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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Name & Registered Office:

VIKING COLLECTION SERVICES LIMITED

6 AGAR STREET

LONDON

WC2N 4HR

Company No. 00508834

 

spacer.gifspacer.gifspacer.gifspacer.gif Status: Active

Date of Incorporation: 13/06/1952

 

Country of Origin: United Kingdom

Company Type: Private Limited Company

Nature of Business (SIC(03)):

6523 - Other financial intermediation

Accounting Reference Date: 31/12

Last Accounts Made Up To: 31/12/2006 (DORMANT)

Next Accounts Due: 31/10/2008

Last Return Made Up To: 09/11/2007

Next Return Due: 07/12/2008

Last Members List: 09/11/2007

Previous Names: Date of change Previous Name 22/10/1992 BURTON GROUP PERSONAL ACCOUNTS LIMITED

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Registration Number: Z5750831

Date Registered: 13 September 2001 Registration Expires: 12 September 2008

 

Data Controller: GE CAPITAL GLOBAL CONSUMER FINANCE LTD

 

Address:

6 AGAR STREET

LONDON

WC2N 4HR

Other Names:

WELBECK FINANCIAL SERVICES

DRS

 

no mention of viking there :D

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I had alot of dealings with Viking back in 2003, it was either letters from them or from Eversheds, this was connected to house of fraser card, again part of the ge group.

 

These people wasted no time at all in getting a ccj against me, its satisfied now and comes off next year:D

 

Give em one from me please:rolleyes:

 

cm

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First of all, Hi zarren.

 

The letter yesterday should be ignored completely.

 

You need to wait until you get a response to your CCA. Expect this 12 working days after they recevied it, or less.

 

They have a further 30(weekedays) to answer fully.

Expect that they will say 'we need to get that info from the original creditor .. .. .. .. blah blah'.

 

Nothing to do except photocopy it twice for 'your bundle'.

 

Easy Now.

Simon

Struggling_Simon vs Cabot - WON

Struggling_Simon vs Abbey - WON

Struggling_Simon vs HBOS - Pending

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

IF I HAVE HELPED PLEASE CLICK MY SCALES

 

Vigilantibus non dormientibus æquitas subvenit

Somper in excretia,som solem profundus variat.

 

 

 

Opinions given herein are made informally by myself 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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second of all,

 

@C00kiemonster

 

Mate,

 

Always a pleasure, never a chore.

 

Eversheds are reputable. Not sure about Viking so much, though.

 

As an aside, just how much did you pay for 'Charges'.

A SAR(Subject Access Request) will tell you.

 

Each 'charge' should carry a cost no more than £12 per occurence nowadays -if it's more than that you can clam the balance back , +8% for the duration of the contract plus ...

Struggling_Simon vs Cabot - WON

Struggling_Simon vs Abbey - WON

Struggling_Simon vs HBOS - Pending

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

IF I HAVE HELPED PLEASE CLICK MY SCALES

 

Vigilantibus non dormientibus æquitas subvenit

Somper in excretia,som solem profundus variat.

 

 

 

Opinions given herein are made informally by myself 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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  • 2 weeks later...
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I'm also sure Consumer Direct / OFT / would be interested to know that they are using a premium rate number too !!!

Section 2.2 on the OFT Debt Guidance...

 

h. asking or instructing debtors to make contact on premium rate

telephone numbers

 

Actually you are quite lucky that you get to deal with a mickey mouse DCA !!! ;)

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