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    • Hi, I am a local authority tenant and was in a 3 bed house. At the end of last year, my last child moved out and so did my spouse as we are now going through a divorce which meant that I was in the house alone and decided that I needed to downsize not only for myself but to offer the property to a family that needed it. I registered on the local authority housing bidding site as i was asked to do and I was accepted and given a priority banding as I was downsizing and they were desperate for my house. I have been extremely lucky and after about 6 weeks was accepted for a new build from a housing association via the housing gateway. I viewed the property 2 weeks ago and had to sign the tenancy last week when they were doing bulk signups for the houses and that is the day I moved. In between viewing and sign up, I contacted my current local authority landlord and asked how I give notice as I had been accepted for a property I had bid on and was moving.  The lady told me how to do it online and then said that I needed to give a full weeks notice which wasnt a problem as I had enough time.  (I was also told a weeks notice was what i would need to give by another staff member about a month ago when I phoned up for another housing related question.  I dont have any of this in writing.) I have now moved, handed back the keys and I am now being told that I need to give 4 weeks notice which I cannot afford. I hav e spoken to the council again explaining that I was told a week and that to be honest, if I knew they were going to charge me 4 weeks I would not have been able to move and would have stayed in the other house.  I thought I was doing the right thing. They said that calls are recorded and they asked me when I called in and was told a week and they would listen to the telephone conversation and if it was correct what I was told, they would see what they could do to reduce the notice period. They have now emailed me back and said that they have listened to the conversation and the lady said 4 weeks notice and I am liable for 4 weeks rent.  Now I may well of misheard her when I thought she said a full weeks notice she may have said 4 weeks notice but I am sure she said a full weeks notice and i was told a week by another member of staff a few weeks ago. I have emailed her back and said that I may of misheard but I would like to listen to the phone recording myself.  As yet they havent responded. I think its unreasonable for them to make me give 4 weeks when I had to sign the new tenancy with little notice or loose the property.  And it was all done through their gateway, and they will have a tenant in there pretty much straight away getting rent from them. I am on a very low income, I am on my own, I have serious medical issues and I am really getting myself stressed out over this. Any advice would be so appreciated.  Can I insist they let me listed to the recording? RH  
    • Susan Crichton is at the Inquiry today. She seems to have trouble remembering a lot of things but seems to find it easier if it's something that shows her in a good light.
    • Send them a letter of claim straightaway. No point hanging around. Given 14 days in the letter of claim and if they haven't paid you by then, issue the claim on day 15. The amount of time is more than adequate for them to get going. Post your draft letter of claim here. A look at. Then log onto the MoneyClaim website and start preparing your claim and post your particulars of claim here for us to have a look at. Don't bluff. No point in it.
    • That's what we thought, but the store manager is inferring that, as the jeweller we used was not a member of the NJA, no one  would give what he said, any credence. The Jeweller we used is in fact, a long established, well respected company, with 2 store and rather than just being a retailer, they craft the most exquisite jewellery inhouse!  I wish my Fiancé would have bought from them rather than H Samuel! Do you think we do need to get another report from and NJA accredited Jeweller ?
    • Really pleased that you won. UKPC know that you have supremacy of contract but still they persist because so many motorists blindly pay them.   Muppets.
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Received Agreement, what next?


katym609
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About 2 years ago I stopped paying off my cccs and wrote to my banks with full and final offers.

One didn't respond so I wrote again.

I received a letter from a company who said they'd bought the debt so I CCA'd them and wrote to the original bank to confirm.... no response from either.

I then got a letter in may from a different DCA who I then CCA'd and heard nothing till last week I got a copy of the agreement and now they are asking me to pay in full... which I can't and won't do.

 

I was thinking of writing to them to make an offer, but feel that they haven't acted correctly here so wondered if there are any rules/acts they have broken that I can quote to them?

 

Thanks.

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thanks.

 

http://up2.it/katym609/cca/ccapage1.png

 

http://up2.it/katym609/cca/ccapage2.png

 

looks like it was faxed to them.

 

On one of my letters to the bank with an offer I made before the DCAs got involved I had told them to reply within 14 days or I will consider the account closed - I'm guessing they can have safely ignored that?

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Thanks... looks like the CCA is good then (well, bad for me!)

 

Interesting that it was equidebt that had originally contacted me regarding this loan but had stopped responding till months later I hear from the new dca who have eventually been able to provide the agreement.

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I only ask I thought it was by the fax number, I have a good buddy who was at war with DM Ltd, he had a similar case, and I can only pass on what he did, What they have sent maybe just a copy they have, and the original may not exist, so to buy some time he asked for the T&C, and also asked for a statement of account, that was over 2 months back and not had a reply back since.

 

My only point here is you have to ask why Equidebt dumped this,and passed it on.And I would ask for a more clearer copy.

"Always ask for a CCA, Simples".

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It sounds very strange indeed, if equidebt bought the debt, I cant see them selling it back to Cahoot, then Cahoot employing Debt Managers to come after it on behalf of them,it would indeed be worth digging your paperwork out....if you CCA'd Equidebt, I dont think they can pass it on to another if it's under dispute. Someone with more knowledge will clear that up.

"Always ask for a CCA, Simples".

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I found a letter from cahoot that says the debt has been 'referred to' Equidebt, so it's a little difficult to say.

 

That also means that cahoot did actually respond to one of my letters which I though they hadn't.

I'll write to debt managers and get them to get cahoot to write to me with an explanation of it all and give me a readable cca, but if they want some money, they'll have to look elsewhere; can't have what isn't there!

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Ask for a statement of account as well- that should keep them busy- especially as it is a Flexible Loan. Did it have a fixed credit limit/loan amount?

Nationwide-A&L-Halifax 1-Student Loans Company-NatWest-Virgin Media-Link-Capital One ALL WON!

Thames Credit -statute barred sent 13/11/08

BCW- prove debt letter- 14/08/08

Apex- CCA 14/08/08

Redcats UK- SAR 14/04/09

Call Serve- CCA 14/08/08

Littlewoods- no CCA letter 03/09/08- Lowells now

Wescot- CCA 19/9/08

Capital One/Debitas- now with Lowells

 

Any opinions are without prejudice & without liability. All information has been obtained from this site. If you are unsure, please seek professional advice. .

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Ask for a statement of account as well- that should keep them busy- especially as it is a Flexible Loan. Did it have a fixed credit limit/loan amount?

 

There was a maximum amount which I think they increased a couple of times.

 

Rather strange sort of loan that once I had paid off the minimum amount, they'd let me withdraw it again the next day (apart from the interest)

 

Are you obliged to give them a tenner for statement of account?

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Nope, I thought it was one of the things they were required to provide, along with a copy of the Notice Of Assignment.

 

£10 is for the SAR. Leave that until we need to!

Nationwide-A&L-Halifax 1-Student Loans Company-NatWest-Virgin Media-Link-Capital One ALL WON!

Thames Credit -statute barred sent 13/11/08

BCW- prove debt letter- 14/08/08

Apex- CCA 14/08/08

Redcats UK- SAR 14/04/09

Call Serve- CCA 14/08/08

Littlewoods- no CCA letter 03/09/08- Lowells now

Wescot- CCA 19/9/08

Capital One/Debitas- now with Lowells

 

Any opinions are without prejudice & without liability. All information has been obtained from this site. If you are unsure, please seek professional advice. .

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