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    • If it was done via N245 and the payments are up todate then the landlord must make an application with fee for a redetermination. Can't execute with bailiffs can't do anything until he attends a hearing and presents his arguments    ignore. Andy
    • Sorry I didn’t think to come and update this.    So the outcome was that he went to court. Apparently the judge told the landlord off for not sending a letter before action but did nothing about it. He didn’t accept all the damages the landlord claimed, and told him off for accusing my friend of deliberately and maliciously damaging anything, and he awarded him small amounts of the damages he claimed for. The landlord had also made an awful lot of things up that never existed and accused my friend of stealing them, and the judge didn’t accept any of those claims.   However, I’m back asking advice now. So he made an offer of payment via the court forms, sometime before Christmas and straight after the hearing. The landlord didn’t reply so the court accepted the payments.  My friend has been paying the £10 a month each month. Then a couple of days ago he had received a letter from court with a hearing date in a couple of weeks, and a very irate letter from the landlord saying that my friend has consistently lied and that nothing he says should be believed, and that he wants the bailiffs to be called on him and that he absolutely refuses the payment plan. The letter is marked as received by the courts in December and this is the first that’s been sent since then. My friend and his wife are now panicked, what does this mean? And can they now get bailiffs sent round? He earns an ok wage, which somehow the landlord has referred to in his letter, but he equally has a lot of expenditure and can’t afford to pay any more. What will happen at this hearing and can they send out the bailiffs just because the landlord wants them to?    I have no clue what to advise him, can you help at all please?
    • Thanks Bank – I took your cynicism / experience on board and responded thus: Thank you for your response Mr Schnur  I set out my position quite clearly in my letter of claim and nothing has changed. Your insurance requirement is unlawful and is contrary to section 57 of the Consumer Rights Act, and also section 72 of the same statute. I would also refer you to the outcomes in PENCHEV v P2G (225MC852) and SMIRNOVS v P2G (27MC729).  My deadline for action - 1 May 2024 - still stands.
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Cheekiness towards a DCA


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What a lovely view FB! That is some lovely snow right there. Hurrah for global warming!

 

And here are 3 gingerbread mons;

 

PICT0845.jpg

 

I didn't ice them because I'm rubbish at it.

 

junesgingerbreadiced.jpg

 

Never fear, Fuzzybobble is here. (with some tubes of coloured icing) :-D

These are video links to show how I deal with Debt Collectors.

 

Fly fishing for C.A.R.S

http://uk.youtube.com/watch?v=zPtzK8FqE6k&feature=related

 

Frederickson International don't accept my card type

http://uk.youtube.com/watch?v=eiZBULlWW6Q&feature=related

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I have just read through this thread and it has cheered me up so much lol!! :D this year has been so hard for me, coming out of a violent relationship now being a single mum in thousands of pounds of debt!! I get letters everyday threatening to come to my house take my possessions!!! arrest my wages (even though i'm on benefits) take me to court and so on!!! i was to scared to even open my curtains in the morning and when i took my son to nursery i was always looking behind me!! Now i feel so much better and i'm not scared of these nasty people anymore!!!! Tommorow will be a much brighter day for me!!! Thankyou everyone on this wonderful site!!!!! :-D :-D :-D

 

How bout starting a new thread and we can keep up with your 'empowerment''.

 

I've just had a phone monkey on, third call today from company and I've told the guy its now in the hands of debt management and he said "We will call you until we hear from them, and even then we can refuse." I said " If you refuse their offer and it goes to court I can prove to the Judge I made you offers..." I then asked for their complaints procedure - in writing - and will get the harrassment letter off to them today.

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There are some gingerbread women around somewhere - if I find the link or the pic I will post it up on here.

 

That's not a good idea they might start breeding.

 

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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There are some gingerbread women around somewhere - if I find the link or the pic I will post it up on here.

 

 

Erm....Gingerbread women? What are those? :confused:

These are video links to show how I deal with Debt Collectors.

 

Fly fishing for C.A.R.S

http://uk.youtube.com/watch?v=zPtzK8FqE6k&feature=related

 

Frederickson International don't accept my card type

http://uk.youtube.com/watch?v=eiZBULlWW6Q&feature=related

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Fuzzy,

 

Have you noticed that Gingerbread men have a little bit that is absent on Gingerbread women? Sit down, make yourself comfortable. I'll tell you all about it ........

 

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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gingerbreadLaptop.jpg

 

The Ruskis even have Gingerbread laptops...

(love the 'mouse' !)

And - The Baldwin Project: READING-LITERATURE: The Primer by Harriette Taylor Treadwell and Margaret Free

(Beware of Foxes...)

Be good to those who give you advice that helps - click the star to give them your thanks by way of a reputation credit.

 

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Must have been some extra pastry around when she was created. I have similar problem with excess pastry but luckily not in the chest region:eek:

  • Haha 1

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'm going to live in a gingerbread house in Russia and have a gingerbread laptop. :D

These are video links to show how I deal with Debt Collectors.

 

Fly fishing for C.A.R.S

http://uk.youtube.com/watch?v=zPtzK8FqE6k&feature=related

 

Frederickson International don't accept my card type

http://uk.youtube.com/watch?v=eiZBULlWW6Q&feature=related

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largestgingerbread.jpg

 

The worlds largest gingerbread man. YAY!!!!

These are video links to show how I deal with Debt Collectors.

 

Fly fishing for C.A.R.S

http://uk.youtube.com/watch?v=zPtzK8FqE6k&feature=related

 

Frederickson International don't accept my card type

http://uk.youtube.com/watch?v=eiZBULlWW6Q&feature=related

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What is on the top of your Christmas tree this year.......

 

 

 

A star.............

 

 

 

A fairy..........

 

 

 

A coloured bulb......

 

 

Or one of these........

 

 

 

 

 

DSC00030.jpg

These are video links to show how I deal with Debt Collectors.

 

Fly fishing for C.A.R.S

http://uk.youtube.com/watch?v=zPtzK8FqE6k&feature=related

 

Frederickson International don't accept my card type

http://uk.youtube.com/watch?v=eiZBULlWW6Q&feature=related

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Must have been some extra pastry around when she was created. I have similar problem with excess pastry but luckily not in the chest region:eek:

 

It looks as if Gingerbread men will have to grow an extra hand if they are to enjoy life to the full.

 

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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What is on the top of your Christmas tree this year.......

 

 

 

A star.............

 

 

 

A fairy..........

 

 

 

A coloured bulb......

 

 

Or one of these........

 

 

 

 

 

DSC00030.jpg

 

... or maybe swinging from a chandelier.

 

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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The worlds largest gingerbread man. YAY!!!!

k9gingerbread.jpg

 

And his faithful companion ?

 

 

Hours of Gingerbread Man fun: skyworld

 

A bit of light reading for Fuzzy (- if he finds a Gingerbread Woman that is...) The Cookie Sutra: Edward Jaye: Amazon.co.uk: Books

Edited by hillards

Be good to those who give you advice that helps - click the star to give them your thanks by way of a reputation credit.

 

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Had a few letters from DCA from 3 Valley Water people demanding and threatening to take me to court for money i owe them up to March 2009(yes as in next year)

Replied do not write again as you have caused stress and harrassment to me and my family i will report this to the police if i receive another threatening letter. Quoted Harassment Act and Administration of Justice Act, think i even threw in Article 8 Human rights(not that i know anything about them)

Ended with "if you think you have lawful reason to this money then sue me, i will respond to bonafide court documents, anymore of your direct mailings to me will result in a criminal complaint against you, as detailed above."

Sent it recorded delivery. So just waiting now......

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Had a few letters from DCA from 3 Valley Water people demanding and threatening to take me to court for money i owe them up to March 2009(yes as in next year)

Replied do not write again as you have caused stress and harrassment to me and my family i will report this to the police if i receive another threatening letter. Quoted Harassment Act and Administration of Justice Act, think i even threw in Article 8 Human rights(not that i know anything about them)

Ended with "if you think you have lawful reason to this money then sue me, i will respond to bonafide court documents, anymore of your direct mailings to me will result in a criminal complaint against you, as detailed above."

Sent it recorded delivery. So just waiting now......

 

a lovely xmas card for them bless. i must remember to send Debbie at Metropolition a xmas card and thank them for the money they had to repay me for collecting a debt of me that was not mine in the first place. I still cant belive how these cowboys operate and take money of 3rd parties who have nothing to do with the debt in question. But she was the one who told me about the limitation act strange a dca giving out this info.

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I am getting huge amount of calls from mbna and bc. Iv taken to telling them whoever they want has either left the home address for good or is dead.... is there a problem with this and will it make them stop

muffintop

Won Nationwide £900 and £1908 Bank Charges

Lloyds personal account 1,861

Lloyds Bus Account 2k

Abbey bank acc. Stayed 2008

 

CCA requested Barclaycard Nov 08 - n1 issued - GAVE UP

CCA Mbna Nov 08- n1 issued - GAVE UP

Marks and Spencer Money Nov 08 -lost found 2b enforceable.

Tomson Holiday - WON

 

if I help you tip my little scales it gives me a thrill. MT

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I am getting huge amount of calls from mbna and bc. Iv taken to telling them whoever they want has either left the home address for good or is dead.... is there a problem with this and will it make them stop

 

send mbna the telephone harissment letter

Your Street

Town

City

Postcode

 

DATE HERE

Company Name

Road

Town

City / County

Postcode

 

Re: Harassment by telephone

 

 

ACCOUNT NUMBER: XXXXXXX

 

Dear Sirs

 

I am writing in relation to the quantity and frequency of telephone calls that I have received from your company, which I deem to be personally harassing.

 

I have verbally requested that these stop, but I am still receiving calls. (Delete if necessary)

 

I now require all further correspondence from your company to be made in writing only.

 

I am of the view that your continued harassment of me by telephone puts you in breach of Section 40 of the Administration of Justice Act 1970, and the Protection from Harassment Act 1997.

 

If you continue to harass me by telephone, you will also be in breach of the Communications Act (2003) s.127 and I will report you to OFCOM, Trading Standards and The Office of Fair Trading, meaning that you will be liable to a substantial fine.

 

Be advised that any further telephone calls from your company will be recorded. (**Even if you don‘t yet have recording equipment!!**)

 

 

Yours faithfully,

 

 

 

[NAME HERE]

 

note since i asked them for a cca request they have fallen silent but i expect them to start harrissing me again in the new year

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if you want to have fun just get a whistle. i have been told it works or even a air horn as that would work just as well.

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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