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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  
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    • 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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Unenforceable Credit Card/Loan Agreements


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thanks for reply.

 

if our loan amount was for 25k, will we still qualify as its right on the threshold?

 

 

Sorry, I am not sure, you need to seek advice

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HI, Hve checked said websites, didnt find the answers to all my q's. dotn know if any moderators can help out? or advise of other posts for me to check and read up on? ever so greatful.

 

have sent off CCA letter today to nationwide. and am thinking to do the same to those **&^%S at HSBC for my managed loan too, seens as thyre not takign seriously my repayment offer and hardship case seriously.

 

does anyone know if the CCA1974 act would also apply (same rules) to a 'managed loan' as to an ordinary loan.

 

P

:) sucessfully reclaimed against the following in last 4 yrs (thanks to you all and this site) :-

HSBC x 2 accounts,

CAPITAL ONE c/card x 2 accounts

LLOYDS TSB (loan and account charges)

BLACKHORSE FINANCE (2 x loans)

PPI insurance (3 x loans)

 

Currently Persuing:-

BARCLAYS PARTNER FINANCE - HP

CAPITAL ONE - AGAIN! (CCA/DEFAULT/plus charges!):evil:

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Hello All,

 

Thanks to everyone whose posted their comments on this forum, I have found it very useful.

 

I have done alot of research on companies that claim they are able to make your oustanding credit card and loans balances unenforcable.

 

Results of my research: So far, there are only 2 companies with a 100% success rate with every related case they take to court. One seems to be better than the other but I won't to into details right now. Each credit card or loan is treated as a separate case. These 2 companies both charge between £300 to £500 for each case. But if they decide to take your case to court, they GUARANTEE 100% success rate. If after considering your case they see that there is even a 1% chance they will not win the case, they do not proceed to the court and they FULLY refund whatever you have paid.

 

The processing times for Credit cards is 3 to 6 months. For Loans, its 6 to 9 months. It is quite a long time in my opinion but then most certainly worth the wait because if they decide to take your case to court, then they gaurantee 100% rate of success. The great thing about them as well is that they keep you posted with thier progress every step of the way.

 

I graduated from Uni last year with about £11,000 worth of personal credit card debts. Now I'm on my way to being debt free which is just amazing. This company has been true to their word. I am currently awaiting judgement on the BarclayCard credit and HSBC Credit card.

 

I hope this helps.

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well they untill the 13th august to respond- lets see what happens.. will keep you posted and probably no doubt come back with some more questions then! cheers Pete

:) sucessfully reclaimed against the following in last 4 yrs (thanks to you all and this site) :-

HSBC x 2 accounts,

CAPITAL ONE c/card x 2 accounts

LLOYDS TSB (loan and account charges)

BLACKHORSE FINANCE (2 x loans)

PPI insurance (3 x loans)

 

Currently Persuing:-

BARCLAYS PARTNER FINANCE - HP

CAPITAL ONE - AGAIN! (CCA/DEFAULT/plus charges!):evil:

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hi all, i have recived my letter form nationwide on friday last week (so within the time limits) but my question is - how do i know what they have sent is correct under cca1974. i have recived a photocopy (black n white) of a loan sheet (one page) has both my and my wifes signatures and someone form the banks signature. is this correct, and have they duly obliged? theres also a schedule of what we have paid to date with interest and the dates payments made etc. i have a feelign they have properly obliged here - but if someone can let me know... or if theres anything else i need to look for/check/do etc would appreciate any advice.

 

i can post up a copy of the agreement if needs be?

 

Pete

:) sucessfully reclaimed against the following in last 4 yrs (thanks to you all and this site) :-

HSBC x 2 accounts,

CAPITAL ONE c/card x 2 accounts

LLOYDS TSB (loan and account charges)

BLACKHORSE FINANCE (2 x loans)

PPI insurance (3 x loans)

 

Currently Persuing:-

BARCLAYS PARTNER FINANCE - HP

CAPITAL ONE - AGAIN! (CCA/DEFAULT/plus charges!):evil:

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bump?

:) sucessfully reclaimed against the following in last 4 yrs (thanks to you all and this site) :-

HSBC x 2 accounts,

CAPITAL ONE c/card x 2 accounts

LLOYDS TSB (loan and account charges)

BLACKHORSE FINANCE (2 x loans)

PPI insurance (3 x loans)

 

Currently Persuing:-

BARCLAYS PARTNER FINANCE - HP

CAPITAL ONE - AGAIN! (CCA/DEFAULT/plus charges!):evil:

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hi all, heres a copy of my CCA letter response from nationwide, does anyone know if theres a proper nationwide thread relatign to loans/cca letters...

 

can anyone please spend a minute and put me and my wifes plea for help to bed.... were misearble with this and its cuasing so muich heartache and stress for us both... i have a feelign they have played ball and fully complied... i just need to know if this is enforceable

 

thanks guys really appreciate any help with this.

 

hope my attachment insertion has worked, first time tryign this..

 

 

loan agreement for nationwide.jpg

http://www.consumeractiongroup.co.uk/forum/attachment.php?attachmentid=11622&stc=1&d=1250259356

:) sucessfully reclaimed against the following in last 4 yrs (thanks to you all and this site) :-

HSBC x 2 accounts,

CAPITAL ONE c/card x 2 accounts

LLOYDS TSB (loan and account charges)

BLACKHORSE FINANCE (2 x loans)

PPI insurance (3 x loans)

 

Currently Persuing:-

BARCLAYS PARTNER FINANCE - HP

CAPITAL ONE - AGAIN! (CCA/DEFAULT/plus charges!):evil:

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help......anyone, really need to know something on this, wife is freakign out, as am i... need somthing to be abel to go back to them with ... but dont know where we stand?

:) sucessfully reclaimed against the following in last 4 yrs (thanks to you all and this site) :-

HSBC x 2 accounts,

CAPITAL ONE c/card x 2 accounts

LLOYDS TSB (loan and account charges)

BLACKHORSE FINANCE (2 x loans)

PPI insurance (3 x loans)

 

Currently Persuing:-

BARCLAYS PARTNER FINANCE - HP

CAPITAL ONE - AGAIN! (CCA/DEFAULT/plus charges!):evil:

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help......anyone, really need to know something on this, wife is freakign out, as am i... need somthing to be abel to go back to them with ... but dont know where we stand?

 

pdaddy

 

Chill Chill, start a new thread with your details and somebody will be along.

 

Good Luck

 

Mr W

Regards..Mr Worried :)

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  • 4 weeks later...
  • 1 month later...
Because tjdaz is using EDIt (he writes) and suggested that we lok at the website

 

You would'nt make a detective....tjdaz is phishing for business touting a company which no doubt he work for.mr ton is a mod/admin ( I think ) and rightley so has moved the Info from the site...simple really.

 

Hope that clears things up a bit for you.

 

Mr W

Regards..Mr Worried :)

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Most of the companies touting on this forum don't have a licence, they are not monitored by the FSA. When things get tough they normally leave you to fight off losing your home. We have seen this so many times on this forum. If you need help in claims or defending claims against you, get professional help.

 

I have just tidied this thread up. . . please don't hijack this thread.

Edited by ukaviator

WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

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  • 2 weeks later...

Hoi geoffthecheff....with a CHIP on your shoulder..

 

Your comment is a disgrace and I will suggest to the mods that you be removed from the forum..

 

Did you tell your daughters boyfriend ( YOU BORROWED THE MONEY PAY IT BACK) RE your post Nov 5th @ 19.23.

 

You need to sit in the corner and have a word with yourself, and keep your negative comments for you and your 'friend'

 

Hope it rains over you today.

 

Mr W

Regards..Mr Worried :)

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