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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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    • 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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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12 Year Old Debts


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I'd be tempted to go the CCA and S.A.R - (Subject Access Request) route, at least then you'll know where you stand. I don't suppose you have it in writing re the frozen interest? At the end of the day if they cannot produce a CCA they don't have a leg to stand on anyway :)

 

Good question there.

 

Do u have in writing that they were going to freeze the interest because i dont think they can charge you the interest if you have in writing the interest is frozen.

 

Also do u have the original paperwork for this debt?

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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Ok,

 

I had a look at the old paperwork and the letter from HFC agrees to freeze the interest for the period of the scheduled payments. However it also says that it would need to be reviewed after six months....needless to say we're about nine and a half years late.

 

Also can I just clarify that I send the S.A.R and CCA to HFC or TBI (the DCA) I have no idea what adress I would send it to for the HFC would it be their Head Office? Also if I send it to HFC should I contact TBI and let them know thats what I am in the process of?

 

TJ x

T J :p

 

 

S.A.R Sent 21/8/06

Statements and microfiche received 11/10/06

Request for payement of charges 29/1/07

LBA sent 21/2/07

MCLO filed 26/3/07

Acknowledgement of service recieved 4/4/07

Defence filed/received - transferred to Southend 30/4/07

Stayed unitl 27/6/07

Allocation & Case Management Conference 17/7/07 14:00pm

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I have absolutley no original paperwork just the CAB letters and their replies.

T J :p

 

 

S.A.R Sent 21/8/06

Statements and microfiche received 11/10/06

Request for payement of charges 29/1/07

LBA sent 21/2/07

MCLO filed 26/3/07

Acknowledgement of service recieved 4/4/07

Defence filed/received - transferred to Southend 30/4/07

Stayed unitl 27/6/07

Allocation & Case Management Conference 17/7/07 14:00pm

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Rite well hear goes.

 

SAR to the OC which is HFC.

 

CCA TFI.

 

All thought you do have a catch there.

 

How long have TFI had the account and have they personally applied any charges?

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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When I started this thread it was the first time I had ever even heard of them. I don't know how long they have had the account or if they applied any charges.

 

Should I ask for all this information when I write requesting the CCA?

T J :p

 

 

S.A.R Sent 21/8/06

Statements and microfiche received 11/10/06

Request for payement of charges 29/1/07

LBA sent 21/2/07

MCLO filed 26/3/07

Acknowledgement of service recieved 4/4/07

Defence filed/received - transferred to Southend 30/4/07

Stayed unitl 27/6/07

Allocation & Case Management Conference 17/7/07 14:00pm

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No it is a seperate matter all together. You should have had a letter saying when they obtained the debt from the OCbefore they erote to you. Somethimes u will get the DCA write to u saying something ike this

 

On the first of january 2008 we aquired this debt from abc credit solutions. As of the above date all payments need to be made to use and all correspondence needs to be made to us.

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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  • 1 month later...

Ok I've sent of my CCA request to TBI on the 10th May for both accounts. They wrote back to me on the 13th saying a problem had arisen and it was imperative we contact them on the phone number supplied immediately (Yeah..right) I wrote back on the 15th saying that I hoped that the problem that had arisen would not delay providing me with a copy of the CCA within 12 days (re Credit Act blah blah) and that we did not discuss financial matters over the phone (so obviously a ploy to get our telephone number) Another letter has since turned up saying that they have requested the agreements from HFC archives and will forward a copy as soon as they have received them. How long do I have to wait before I can basically say they haven't provided the details within the time frame and therefore its not an enforceable agreement???? Help :confused:

T J :p

 

 

S.A.R Sent 21/8/06

Statements and microfiche received 11/10/06

Request for payement of charges 29/1/07

LBA sent 21/2/07

MCLO filed 26/3/07

Acknowledgement of service recieved 4/4/07

Defence filed/received - transferred to Southend 30/4/07

Stayed unitl 27/6/07

Allocation & Case Management Conference 17/7/07 14:00pm

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Hi TJ - well they have 12 days plus 30 to provide the agreement before they are in default of your request and cannot pursue it further. However if at some future date someone finds your agreement in the back of a filing cabinet they can recommence collection activities. Somewhat unlikely but that's the way it is. Unless it is more than six years since you last paid or acknowledged the debt.

 

With the ones I have lost along the way :D I have had letters similar to the one you have just received and then another letter saying they have found nothing and I will not hear from them again, with others the last letter I received was similar to yours - and I have not heard another word for at least 18 months.

 

Wait and see is what you need to do. If they don't comply within the 12 days plus one month you can stop paying - if you haven't already.

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

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Ok Thanks for all your help. I'm crossing everything although knowing my luck they'll turn them up. If they do I'll then go down the S.A.R route as I totally disagree with the figures anyway and |I have a feeling there may have been PPI added as well. So I guess its a waitning game.....de ja vu??? I've just under 5k bank claim stayed at the mo as well!!!

T J :p

 

 

S.A.R Sent 21/8/06

Statements and microfiche received 11/10/06

Request for payement of charges 29/1/07

LBA sent 21/2/07

MCLO filed 26/3/07

Acknowledgement of service recieved 4/4/07

Defence filed/received - transferred to Southend 30/4/07

Stayed unitl 27/6/07

Allocation & Case Management Conference 17/7/07 14:00pm

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