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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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      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.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

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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.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      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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judy123 v Halifax ***SETTLED IN FULL***


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Have had a rough ride over the last few years - Halifax hindering us all the way but have now clawed back to normality so decided to go for it.

Sent prelim letter, LBA was due to go out next Tuesday but received letter yesterday saying:

 

Further to your recent enquiry I regret to advise you that, having fully considered your request, we are unable to make a refund of the charges applied to your Bank Account. If you would like any further information please contact us at the above number or call into your local branch.

Collette MacLachlan - customer services.

 

I have been watching other peoples threads over the past few weeks and this doesnt seem to be the 'make a complaint letter and leaflet' that they have talked about receiving in response to the prelim.

 

Is this dead in the water or do I persist and send the LBA on Tuesday as planned.:confused:

 

Total charges over past 4 years of account with them is £1277

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I have just noticed that this letter came from Leeds - I sent my prelim to head office in Halifax. Do I send the LBA to head office or Leeds? Gut feeling is stick with head office but could do with a second opinion!

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Ok have just typed up LBA ready for tomorrow - have altered the wording to read:

'we are very disappointed that you have failed to respond to our letter of 20th June in a satisfactory manner'

in the hope that it indicates that we have not had a standard letter and the response was not what we hoped for, so we shall see what happens next!

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Ok have just typed up LBA ready for tomorrow - have altered the wording to read:

'we are very disappointed that you have failed to respond to our letter of 20th June in a satisfactory manner'

in the hope that it indicates that we have not had a standard letter and the response was not what we hoped for, so we shall see what happens next!

 

Wow, virtually word for word what I wrote in my LBA too :lol:

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Just while the clocks ticking and I have nothing else to do (!) just wondered if anyone else gets 'floating money' in their account. I keep a very close eye on our account transactions (the old fashioned way - in an exercise book!) having learnt the hard way, and find each day after payday that when I try to match up the difference between 'available balance' and 'actual balance' online that there is floating money that I cant allocate. It happens each month after payday and this money floats in the account, unavailable, for a couple of weeks then becomes available again. Last month was £3.50 for ten days, this morning it is £10.99 (following payday) - that might not seem much but I have had months where it has been £40.00! The banks response is that it must be allocated to something going through the account but it never gets allocated just becomes available again. Its weird! Maybe its Garry Kettles emergency stamp fund;) !

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If you pay something by debit card ...weekly shopping for instance then although this money comes out of your bank imeadiately it may not show as paid .......likewise if you pay in a cheque it will say balance $ xxxxxx including the cheque but balance available ....... $xxxxxx excluding the cheque ........this is because the cheque has not cleared to you yet ...I hope this makes sense to you

:) Go on ... you know you want to click me :)

:lol:don't be like the banks - give a little back :lol:

:D There was a time before CAG but now CAG is here we are the empowered! :D

In progress:

Mechs and Mother (deceased) V Halifax - N1 form filed at Court 9 Aug 06

Advice & opinions of mechs, The Consumer Action Group and The Bank Action Group are offered informally, without prejudice & without liability. Seek advice of a qualified insured professional if you have any doubts.

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yes I know all that, I list all those transactions in my book so when I am checking the actual balance I can see which transactions are going through. I know what my balance will be before the bank does, cheques are deducted from the balance before they are posted, the theory is that we work from my books balance rather than the banks balance so we know exactly what we have got left to the penny.

 

That is my point this money doesnt go anywhere - it doesnt get allocated it just becomes available again, it never does - it just 'floats' out of reach for a few days

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Having a real wobbly moment here - quite apart from the wording on the only letter I have received from the Halifax, LBA went last week so am on day 8 and have heard nothing, but have read todays Daily Mail and the associated thread on here and am stressed! I would be due to file Moneyclaim next week, its going to cost me £120, which although earmarked would be useful elsewhere, do I keep going and risk it despite having had none of the responses that others seem to be getting? HELP!:? :(

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Do not let the stays put you off , there has only been a couple so nothing to get excited about and also we have an extremley good argument for getting the stays lifted.:-D

 

to date 2 of the stays has been paid out and the only other one I know of the judge wants both the claiment and defendent to submit paperwork .Can anyone REALLY see the bank submitting proof of how these charges are justified ? seen as they are not .... IMO its a matter of days before an offer to settle is made

  • Confused 2

When you want to fool the world, tell the truth. :D

Advice & opinions of Janet-M are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any

doubts.

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thanks for that guys, I'm sure you'll agree it takes guts to do this, and not being the most confident person in the world, glass always half full, it doesnt take much to wobble things!

 

Back on track now, ta muchly, confidence restored, going into the garden with a glass of wine! Funny, that glass is always half empty ha ha:D

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have just been discussing pros and cons of settling before court if offered with prison officer husband just off duty - the official response is ' tell 'em to ram it'!

ho hum another scintillating debate halted!!!;)

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  • 1 month later...

Sorry I havent been with you for a while guys - lost the broadband connection and am sharing a mates computer. BT Broadband Customer Services - dont get me started!:mad:

Quick update - Chasing 1277.00 - Halifax have offered 120.00, then 418.00 - am now ready to file moneyclaim tomorrow. Just need to check, have used the spreadsheet to calculate the interest and have filled the total amount into the claim form, but there doesnt seem to be anywhere it asks for me to provide a breakdown of the claim. Do I not need to attach the spreadsheet or am I missing something?

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There's no need to attach the spreadsheet - You just need to enter the total amount and then the interest you have calculated. I assume that it would be up toyour bank to contest these figures if they chose to.

 

Andy

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Thanks for that Andy!

 

Does this get any more frustrating - first Halifax online isnt first thing this morning so I cant double check our balance before filing, so have to go to cashpoint to check. Come home all raring to go with the claim and guess what moneyclaim take solo cards (as they used to be) but not visa electron (as solo has been replaced with) aaaaarrrggghhh!

Have now had to transfer money into Visa account to cover payment and have to wait a further two days for it to clear into the account thanks to a post holiday balance! Soooo close and yet soooooo far - wont be able to file the claim till Monday now at the earliest (cant find smilie for very frustrated!!)

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Moneyclaim filed Friday morning - paperwork says deemed served by 6th Sept, moneyclaim site now showing 'acknowledged' yesterday, this is the scariest bit by far but I couldnt have read any more or learnt any more from this site so its more sort of confidently terrified!! will keep you posted:cool:

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hi Andy

 

charges total £1277 - they offered me £120 then £414 I chose not to respond and just carried on with my timetable, as most people here say you should. So we shall see what happens in the next few days, other people seem to be having pretty prompt responses so hopefully will be able to have a few serious glasses of wine at the weekend:cool:

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Please stick to one thread for this claim.

..

.

 

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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Cheers ziggy but I have no intention of switching off from it now - received acknowledgement form today showing that Mr A O'Brian intends to defend!

OK - sleeves rolled up, lets go!!:cool:

 

If I pull this off then the only thing I shall consider in future to be half empty will be a cup of tea!!!! :D

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.... showing that Mr A O'Brian intends to defend! ....

 

Quick - look to the skies everyone! A pig, flying..... :o

..

.

 

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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Cant believe it, just been to cashpoint and got a statement on a whim, its all there - charges, interest, court costs the lot!!!

 

WOOOOOOOHOOOOOOO yay yay yay go me!!!!!:D :D :D :D

 

Sadly I embarrassed my family by doing a victory dance outside Sainsburys :oops:

 

Have done survey and made a donation, thanks so much you guys you have all been brilliant.

 

Capital One next but I think I'll leave that till Monday - I can feel a seriously alcoholic weekend coming on!!! Good luck to everyone else - you dont need it though ;) just follow the procedure.

 

Halifax charges £1277

Interest £216

prelim: 20.6.06 LBA: 04.07.06 Moneyclaim: 1.09.06 settled in full 8.09.06

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Congratulations can you please pm a mod so they can update the database also.

and thank you for the donation

:) Go on ... you know you want to click me :)

:lol:don't be like the banks - give a little back :lol:

:D There was a time before CAG but now CAG is here we are the empowered! :D

In progress:

Mechs and Mother (deceased) V Halifax - N1 form filed at Court 9 Aug 06

Advice & opinions of mechs, The Consumer Action Group and The Bank Action Group are offered informally, without prejudice & without liability. Seek advice of a qualified insured professional if you have any doubts.

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