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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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cooper v abbey ** WON **


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  • 3 weeks later...

heard the talk about claiming for over the 6 years and i would like to know if possible please what everyone thinks the chances of doing this is.

 

also, if i decided to do this with the abbey will i follow the same plan used previously except changing a few dates or is there a different approach needed for this.

will this also work with credit cards over 6 years and mortgage charges.

 

thanks

 

craigycoops

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heard the talk about claiming for over the 6 years and i would like to know if possible please what everyone thinks the chances of doing this is.

 

also, if i decided to do this with the abbey will i follow the same plan used previously except changing a few dates or is there a different approach needed for this.

will this also work with credit cards over 6 years and mortgage charges.

 

thanks

 

craigycoops

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  • 1 month later...

hi

could someone please tell me if people are starting to claim further than 6 years and if they could put me in the right direction for any threads.

i settled my initial 6 years with abbey, and as i was still paying my overdraft off, they settled that first for me.

for the last 9 months or so i had an agreement with them that i would not pay interest with them so that i could clear the overdraft quicker.

when i settled i wrote to abbey to close the account and i have just recieved my statement to say i have incurred interest. i dont use the account and i dont have access to the account and when i explained that i was not paying interest and i want to close the account the reaction i got was basically "tough".

i explained that if they start putting charges on then i will start reclaiming all over again so is it worth it and she told me "its up to me"

seems to me that they never learn from their errors

 

craigycoops

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  • 1 month later...

hi everyone,

not been able to post much recently,

just been reading up about claiming for more than 6 years and have just sent my subject access request to abbey to get all my statements from when i opened my account in 1987 (hope they go that far back), and then i will put in a claim for these charges.

 

good luck everyone

 

craigycoops

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  • 2 months later...

hi all.

have taken over this thread from my husband (working away at moment) and have decided that we should try to claim back everything (i hope!!) from when we opened the account in 1987.

we succsessfully claimed the first 6 years and we now sent the data protection letter giving 40 days etc for all statements from the account opening to aug 2000.

all they sent us was 12 months of statements for the years 2005/2006. obviously not what we asked.

could someone please tell us if we now go the normal route of giving them 7/14 days or else or is there a different approach as it is pre 6 years.

 

many thanks for any advice

 

nc

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