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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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Patma
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and of course you need the full contents of what is indexed, not as they say "this is an index" and not showing you what it actually is contained within etc

 

therefore asking for more than their "INDEX" as their submission

 

that will shut the door they are trying to leave open

 

and a complaint to the Court etc is important that it be on record of what you "consider yet another abuse of process"

Thanks Kiptower good point, I've reinforced that point now.;)

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Hi everyone I'll give you the info on the latest Application as ap, but first I have an urgent question please.

A letter has arrived today from Lyons Davidson saying the following......

 

Please find enclosed draft bundle index. Please confirm that this is agreed and we will proceed to file our bundle of papers with the court.

Please send confirmation to .........(EMAIL ADDRESS GIVEN) by 2pm Monday 2nd November to allow the court sufficient time for receipt.

If we do not receive confirmation we will assume this agreed and we will proceed to file bundle.

 

We are confused by what it's asking us to agree to. The previous 2 bundles have not come with any such letter and given LDS track record we don't trust them. This is the first time they've asked us to email them too and I can't believe that assuming agreement if no response is given by 2pm today, when the letter has only arrived today can be right.

HELP PLEASE!:confused:

 

Just as well that you get your mail in the mornings--ours arrives around 3.30pm!

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You have probably replied to them by now, but I would have changed just one thing.

 

Furthermore I have drawn the attention of the court to your conduct.
Cheeky beggars!

The REAL Axis of evil: Banks, Credit Card Companies & Credit Reference Agencies.

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Just as well that you get your mail in the mornings--ours arrives around 3.30pm!

 

My mail comes around then too. Hey you don't live in the same sleepy village as me do you?:)

Fred is a townie luckily for him so gets his post about 10 oclock. I bet they were hoping he would be out when it came, miss the deadline and do nothing about it.:rolleyes:

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You have probably replied to them by now, but I would have changed just one thing.

 

Cheeky beggars!

Yep they got their reply before 2pm, but to be honest they probably read it first on the thread because there were plenty of guests looking in I noticed.;)

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Fred has just rung me to say that Lyons Davidson's bundle has just arrived and he's quite pleased with it although he's not saying why. He says I'll have to wait till I get over there to see it.;)

 

He did tell me though that Lyons Davidson have applied for a stay in the proceedings to delay the hearing of 17th November on the grounds that Mr Dexter (Director of Finance Plymouth College of Art) cannot attend then.

We're a bit puzzled whether that means he is coming as a witness, because we've written to Lyons Davidson twice to ask them if they intend to call witnesses to please inform us as to who they are, but they have completely ignored the request.

It will be interesting to see what the court's response is.

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If they are claiming he's a witness & not the claimant remember there is no property in a witness & if they have identified him as one then you are also permitted to interview him & obtain a statement of the 'facts'. He will almost certainly refuse but you can then bring this to the attention of the court that the witness refused to cooperate thereby tainting his 'evidence'

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If they are claiming he's a witness & not the claimant remember there is no property in a witness & if they have identified him as one then you are also permitted to interview him & obtain a statement of the 'facts'. He will almost certainly refuse but you can then bring this to the attention of the court that the witness refused to cooperate thereby tainting his 'evidence'

Hey wow, thanks for that JonCris.

We need to find out then whether he is actually attending as a witness and if so we'll go for it. Presumably we would also be allowed to question him if he does give evidence on the day?

He has already made witness statements about which we've complained to the court as they contain false statements made with statements of truth.

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Of course your allowed to cross examine but remember its an art. Don't steam in. Having read the evidence & any statements made by him & where there are discrepancies get him to confirm one version before confronting him with the other. I'm a about an hour away from Plymouth would you like a tutorial in advocacy :D

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I'm a about an hour away from Plymouth would you like a tutorial in advocacy :D

 

Gosh, there's an offer you can't refuse Patma!

 

Wish I lived near Plymouth JC :p

Any knowledge I possess or advice I proffer is based solely on my experiences in the University of Life. Please make your own assessment of legality, risks & costs before taking any action.

 

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When the latest order came from the court, yet again keeping the defence and counterclaim in limbo Fred objected to the order and wrote complaining to the court, to which he received a reply saying that in view of his comments the matter would be dealt with by a different Judge.;)

On the face of it this might be very very good news. Please tell me that "the matter" is the whole matter (in the sense that courts/judges/legal people generally refer to the case/claim etc as "the matter") rather than Fred's objection to the order...

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Of course your allowed to cross examine but remember its an art. Don't steam in. Having read the evidence & any statements made by him & where there are discrepancies get him to confirm one version before confronting him with the other. I'm a about an hour away from Plymouth would you like a tutorial in advocacy :D

 

YES PLEASE!:D

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On the face of it this might be very very good news. Please tell me that "the matter" is the whole matter (in the sense that courts/judges/legal people generally refer to the case/claim etc as "the matter") rather than Fred's objection to the order...

That's a good question, Bedlington, but we don't know the answer .

We're certainly hoping it means the whole matter. The court staff have all got PHDs in speaking ambiguously:confused:

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If they are claiming he's a witness & not the claimant remember there is no property in a witness & if they have identified him as one then you are also permitted to interview him & obtain a statement of the 'facts'. He will almost certainly refuse but you can then bring this to the attention of the court that the witness refused to cooperate thereby tainting his 'evidence'

 

I'm not entirely clear still whether Dexter is a witness or not. On the application for a stay, it refers to him as the representative of the College, but he has however produced a number of witness statements.

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The gentleman at Lyons Davidson who sent the letter giving Fred less than 4 hours to agree the contents of their court bundle index has sent a rather tetchy email today in response to Fred's.

Here it is.......

 

Mr Fred,

I note your actions

 

The purpose of my sending you what I stressed at the time and now again was the draft index was for parties to agree the content of the same before we put it to the Court to assist its understanding of the claim and to allow it to pass judgment

 

Had you asked for any additional documents we had omitted we would have considered the same before filing a single, agreed bundle. You have unilaterally taken a step that will cause confusion at Court, delay and further expense to all parties

 

The Overriding Objective is on co-operation between parties on such matters

 

I am now obliged to file my own bundle which means the Court will have to duplicate its reading

 

Your step, without consultation, was not well-judged

 

I reserve the right to bring this and my previous correspondence to the Court's attention on costs

 

Yours sincerely,

......................

Oh dear, somebody's not happy tut tut. Now if this was a legitimate worry about costs, why didn't they suggest this with their previous two bundles and why leave it till the very last minute when Fred's bundle was already prepared to suggest we share one.

It couldn't have anything to do with a sneaky false statement hidden in their bundle could it? One which alleges falsely that Fred has admitted to causing criminal damage.

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I am now obliged to file my own bundle which means the Court will have to duplicate its reading

Oh dear this poor Lyons Davidson man must be so stressed he's forgotten that their court bundle was already filed with the court on Monday and Fred received it today before our tetchy friend had even written his email.:p

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Hi Patma,

I see from an earlier post they admitted that the barrier was faulty,did they elaborate on the fault?.The normal thing to do when a barrier is faulty is afix a notice to that effect or remove the arm.i realise time is getting short but as they have now admitted which type of barrier it was it could be an idea to check with the makers what effect it would have on the barrier if it was manually raised if you havnt already.I have repaired numerous barriers and manually raising them has never caused damage to any I have come accross.any news from TLD?.

Wobbly

Living in the wild windy west of Ireland

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