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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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      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.

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Cheekiness towards a DCA


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Don't you just love it when political gimmicks come back to haunt their creators.

 

First they create the post of Mayor of London, (on the assumption that this flagship post would be theirs forever).

 

Then Ken nicks it...

 

Then Boris a TORY boots Ken out....

 

Dear oh dear, bit like getting shot with your own gun.

 

David

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Would be fun to call a dca and say you are mr smith and would like to pay off your £30,000 debt by debit card but cant remember your account number, and see the frantic drone try desperately to find out who you are for his bonus.

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LOL Rahl.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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Has anyone ever written a letter, then used babblefish to translate it into French, Spanish etc and had a reply?

 

I might give it a go:grin:

 

Now there's a thing, OH is fluent in 4 languages.............:lol:

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doorstep caller F/O letter: to and from french

 

Expensive xxxx Référence xxxx of account be advised please that I will communicate only with you in the writing. I noted your attempts repeated to contact itself by telephone above the last weeks/months and those were duly noted at hour and date. Moreover, it is your intention to arrange a "call of threshold", are advised please that according to OFTEN rules', you can only visit me to my house if you take an appointment and I do not have any wish to take an appointment with you. There is only one implicit licence under the terms of right English coutoumier so that the people can visit me on my property without permission; the factor and people asking directions etc. (Armstrong v. Sheppard and Ltd short [ 1959 ] 2 Q.B. by lord Evershed M.R.). Take consequently the note which I withdraw allowed it under the terms of the right coutoumier for you, or your representatives to visit me to my property and if you thus, then you will be exposed to the damage for a criminal act of violation and a measure will be taken, including but will not be limited to, assistance of police force.

Carpe Jugulum

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I love it:D

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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There are these babblefish translator boxes that you can talk into and what comes out the end is the translated language of your choice. Which would be a useful tool to reply to the DCA's in polish or botswanese on the telephone with . Bit pricey at the moment I think thou.

 

You ought to be a bit careful of Babelfish Rahl. A couple of years ago a friend of mine tried to send an e-card with some people he's friendly with in South America. He was trying to say "have a good christmas and enjoy the new year". Luckily, he translated it back from Spanish to English before he sent it. One part of it read "... enjoy your new anus." Not a traditional greeting anywhere in the world that I'm aware of.

 

Yours is a good strategy though. Even if the DCA does employ somebody, say, who speaks Polish, what comes out of Babelfish is largely gobbledegook.

 

Regards,

 

Fred

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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Here's a useful thing. Google does a translation service. Now for those of you who have internet access at work and are banned from visiting certain sites, go into google, select the option 'Language Tools' just to the right of the search box, then put the url into the box just below 'translate a web page', leave the default option of 'Spanish to English', hit go and hey presto, you can surf away to your heart's content because the page you are looking at stays within a frame, so as far as your employer is concerned you are visiting google. Handy for the cricket scores. I think some companies have software that can pick this up, but mine doesn't.

 

Regards.

 

Fred

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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"... enjoy your new anus."

 

I suppose it could be 'wishing you a Happy New Year from the heart of my bottom':o

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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I suppose it could be 'wishing you a Happy New Year from the heart of my bottom':o

 

Goldlady, that reminds me of an old saying: "If you think the bottom has fallen out of your world, drink Newcastle Brown Ale and the world will fall out of your bottom."

 

Regards.

 

Fred

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Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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By the way, I've just had a thread pulled on the bear garden that had a pop at the French. Apparently it was 'extremely offensive'. It wasn't, all it did was deride their military prowess or lack of it. So it's OK to have a joke at the expense of Scousers but not the French. Something's wrong here.

 

Fred

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Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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dunno if it was cheeky but it was downright offensive .

 

Before I knew how to deal with DCA's i used to proper lose it with them , everycall used to end with me threatening their life and that of their families , that is why I am very dubious when they say that its being recorded , wouldnt recommend doing this though as it used to take me a good hour to calm down after lol.

 

I think thats really funny, threatening there life & there families, I know they make you react like this,

Hope it made u feel better

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You ought to be a bit careful of Babelfish Rahl. A couple of years ago a friend of mine tried to send an e-card with some people he's friendly with in South America. He was trying to say "have a good christmas and enjoy the new year". Luckily, he translated it back from Spanish to English before he sent it. One part of it read "... enjoy your new anus." Not a traditional greeting anywhere in the world that I'm aware of.

 

Yours is a good strategy though. Even if the DCA does employ somebody, say, who speaks Polish, what comes out of Babelfish is largely gobbledegook.

 

Regards,

 

Fred

 

 

Seems to be a new technology, not in dixons yet thou )

 

Ones I heard about were being used by US soldiers [spit] in Iraq to bypass the need for translators .

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A little knowledge......:eek:

 

Tele conversation with brother in law in South America. Politely asked after the dreaded Mother in law in my iffy Spanish. Unfortunately I used Tu Madre (your(familiar form), mother). There was a long silence, followed by a lot of laughter.

 

OH explained: Tu and Madre should be seperated, you are never familiar with your MOTHER IN LAW! Second point, in a certain context, in that neck of the woods it can be taken as a mortal insult as in, (how shall I put it), I KNOW your mother.....if you get the point.

 

Oops.

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Would be fun to call a dca and say you are mr smith and would like to pay off your £30,000 debt by debit card but cant remember your account number, and see the frantic drone try desperately to find out who you are for his bonus.

 

 

:lol: NOW THAT ONE IS GOOD!,

Or what about saying you've just won the lottery and would like to pay all that you owe.... but you are moving tomorrow and just for a bit of fun you'd like them to trace you to your new mansion, then ask you again for your money, and then you could reply

"yes you can have your money, look I'm loaded now, Note the swimming pool and the six brand new cars, oh and the helicopter, but to get your hands on the money please sue me in the county courts first, and one more thing make sure you have the original signed credit agreement because if you don't as you well know the debt will be unenforceable," then give them a little sick grin, close the door in there face and if they are not off your long winding drive that leads to your mansion in 10 seconds, let the guard dogs out!

 

 

Thats what I'd do if I hit the lottery big time jack pot, yes I'll dream on, but as said in true dreamers style, "you never know, if your in it you could win it".

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Goldlady, that reminds me of an old saying: "If you think the bottom has fallen out of your world, drink Newcastle Brown Ale and the world will fall out of your bottom."

 

Regards.

 

Fred

 

Even speaking as a Geordie, I have to second that.. I dont even drink the stuff :p

THE PRETENDER AGENDA - August 30,2008 - 2ND ROW!!! WOO-HOO!! :-)

THANK YOU SO MUCH FOR A FAB NITE LEE! xx

Sunderland 011008 - THE BEST BIRTHDAY PRESSIE EVER! 'Aww, it's your birthday! Happy birthday darlin!'

 

02 Apr 2008, 23:55

OfficialLeeRyan wrote:

i like that!! its simple and good and gets the fans involved aswell x x x

 

MY SUCCESSES -

 

1st Credit (Lloyds TSB) admitted no CCA, reply from OFT 130608, reply from FOS 040608, adjudication stage rejected but still no contact....

 

My mate (Littlewoods/Moorcroft)

300608 -Long running battle,threatening court, CCA letter NO 2 and harrassment letter sent - passed back to Littlewoods early July.

070808 - Passed to Debt Managers, Acct in dispute/BOG OFF letter sent 080808...

140808 - Letter from Debt Managers passing debt back to Littlewoods - RESULT! :D

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By the way, I've just had a thread pulled on the bear garden that had a pop at the French. Apparently it was 'extremely offensive'. It wasn't, all it did was deride their military prowess or lack of it. So it's OK to have a joke at the expense of Scousers but not the French. Something's wrong here.

 

Fred

 

 

Maybe Boris Johnson is a mod??

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carry on with the ideas.

 

Yes questioning u are rite u have to be in it to win it so carry on buying thoses tickets.

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OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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Guest Orwell72

Who killed the thread .............

 

here lies a once flowing and funny thread that has fizzled out ...............

 

or has it been got at by a DCA or Mr Brown ............. or does it lie dormant awaiting to strike .............................

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In my job I have to phone them on a daily basis, I am never rude but always to the point, I always enjoy the calls where the person I am talking to clearly doesn't know anything so I get to enjoy pointing out everything they are doing wrong!

 

I have once had an arguement on the phone with a bailiff where each of us was telling the other that they don't know how to do their job, they got so angry with me it was funny, I just ended up putting the phone down

Specialist Debt Adviser

 

Community Legal Aid 0845 345 4345 Free advice on Debt, Employment, Housing and Welfare Benefits

 

I work for Community Legal Aid and Citizens Advice

 

I am a member of the Institute for Money Advisers

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I am a recent member to this site and have been feeling very depresssed and anxious about my debts

I have luckily received sound advice from some wonderful people on here

 

I have spent most of tonight reading this thread (look at the time) and I have not laughed to much in ages...... Thanks to all posters on this thread for cheering my other-wise gloomy day. Reps awarded to all when system will allow me

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typo
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By the way, I've just had a thread pulled on the bear garden that had a pop at the French. Apparently it was 'extremely offensive'. It wasn't, all it did was deride their military prowess or lack of it. So it's OK to have a joke at the expense of Scousers but not the French. Something's wrong here.

 

Fred

 

 

What a coincidence; I also had a post pulled which quoted one of Admiral Lord Nelson's widely-known statements about the French. My post was, apparently, 'xenophobic'. It wasn't; I actually rather like France, even though they did cut the heads off some of their better people during the unpleasantness that started in 1789.

 

Further, I had the pleasure of working with their military in the 90s in the Balkans, and they were very good indeed. The Foreign Legion particularly so, but also the 'native' French troops. So, whilst historically France has often been our enemy, and we have generally thrashed them soundly both on land and at sea, I think that today the French armed forces have a reputation they do not deserve. If anyone deserves criticism, it is their politicians, who would not allow the forces to deploy in support of allies in Iraq. My own view, for what it's worth, is that the French government probably reflected the view of the people, and if our government actually listened to those they are supposed to represent our forces would not be involved either.

 

Sink me, citizens, perhaps we have an 'enragée' in our midst (who may not have read the Baroness Orczy's works)...

 

To misquote Robespierre: 'La moderation n'est autre chose que la justice prompte, sévère, inflexible'

 

Vive Les Aristos!

Edited by ScarletPimpernel
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