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    • Commercial Landlords are legally allowed to sue for early cancellation of the lease. You can only surrender your lease if your landlord agrees to your doing so. They are under no obligation even to consider your request and are entitled to refuse. You cannot use this as an excuse not to pay your rent. Your landlord is most likely to agree to your surrendering the lease if they want the property back in order to redevelop it, or if they wants to rent it to what they regards as a better tenant or at a higher rent. There are two types of surrender: Express surrender in writing. This is a written document which sets out the terms of the surrender. Implied surrender by conduct. (applies to your position) You can move out of the property you leased, simply hand your keys back and the lease will come to an end, but only if the landlord agrees to accept your surrender. Many tenants have thought they can simply post the keys through the landlord's letter box and the lease is ended. This is not true and without a document from the landlord, not only do you not know if the landlord has accepted the surrender, you also do not know on what basis they have accepted and could find they sue you for rent arrears, service charge arrears, damage to the property and compensation for your attempt to leave the property without the landlord's agreement. Unless you are absolutely certain that the landlord is agreeable to your departure, you should not attempt to imply a surrender by relying on your and the landlord's conduct.  
    • I had to deal with these last year worst DCA I have ever dealt with. Just wait for the constant threats of CCJ and how you'll lose in court and how they won't do mediation and they want the judge to question you with a load of "BIG" words to boot with the letter. My case was struck out in the end, stupidity on their part as I admitted to owing the debt in the end going through the court process was just a formality as they wouldn't let it drop despite me admitting the debt regardless. They didn't send the last part of the court paper work in so it ended up being struck out     .
    • Well, that's it then. Clear proof of the rubbish cameras. Clear proof of double dipping. G24 won't be getting a penny. Belt & braces, I would write to the address LFI has found, include the evidence of double dipping, and ask Fraser Group to call their dogs off.
    • LOL. after sending Perch capital a CCA request with a stapled £1 PO attached (x2) Their lapdog Legal team TM Legal have sent me two letters today saying "due to a recent payment on the account, your account is open to legal/enforcement action" so i guess they have tried to apply that payment to the account to run the statue bar along. dirty tactics lol.
    • I have initiated the breathing space so ill wait. from re reading everything this what i understand BS gives me 60 days break from the creditors during these 60 days they may contact me and will most likely default I need to wait until after a default notice to see whether the OC will keep the debt or sell it off If kept by the OC then i should attempt a plan or pay some token payment? If sold to DCA then don't pay and after 6 years it will leave my credit report once the DN is registered with a date. DCA may start a CCJ but unlikely, if they do come back here. last question, do you know roughly how long this will all take? in terms of defaults/default notice, potential CCJ? Would you say I have 12 months plus from when the BS ends?
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Barclaycard/Robinson Way


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Hi all

 

I am helping my SIL to get himself straight at last. We have started to tackle Abbey but now he has told me about a Barclaycard debt.

 

He had a card with 1k limit but was defaulted for £1500 and has been paying RW (who is now up for sale according to the Times:)) £6 per week for several years.

 

Who do I contact first?

Do I send a cca to RW and a sar to Barclays or both to RW?

 

Thanks for helping.

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Robinson Way & Co ltd

London Scottish House

Quays Reach

Carolina way

Salford

M50 2ZY

 

tel: 0870 6091521

Fax: 0161 839 4307

 

email: [email protected]

 

....... If Robinson Way are to be sold off separately, then it will be interesting to see if it sells at all, and if so what price it fetches.

This could determine how willing they are to accept reduced offers?

 

ie: If you make an offer now, how confident they are of getting a good price will determine willingness to accept.

If you wait and see if and how much they sell for, then that could also be used as a bargaining tool to propose own offer.

All opinions and advice I offer are purely my own, and are offered without any liability. If unsure seek the help of a licensed professional

...just because something's in print doesn't mean its true.... just look at you Banks T&C's for example !

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Thanks for that.

 

SIL has lead a somewhat "nomadic" life for several years and has no paperwork connected to this debt so we don't actually know how much is left outstanding.

 

The offer bit is something to keep in mind though, thanks.

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My Barclaycard went to RW. The CCA I received was an application form signed by me, the card was taken out back in 1996 so sounds like your CCA req might produce the same. When you get it back send them a letter stating not properly executed agreement. I got a letter back from RW to say account passed back to BC. Keep a paper trail / photocopy letters you send etc and dont be surprised if BC pass it out to another DCA. If do no need to CCA again just send them photocopies of what been done already and tell them that as dispute is ongoing with BC no DCA can get involved.

Debt Managers (Barclaycard) £7150 - CCA sent - poor photcopy of app form - they rtnd acct to BC. Then Robinson Way come on scene - sent packing straight away. Will they try a third attempt????? :) Yes they did, roll on Westcot, told them were to stuff it. Not heard anything since but Lowell Financial have been searching my credit file. Round 4, ding a ling ling!!:D Now Crapquest on the scene - bought the debt and want the balance... don't think so 8)

 

Equidebt (Co-Operative Visa) £6800 - CCA sent in June - no response still!! Was Ex-Northern Rock card so probably lost. Equidebt have now agreed to write off and remove credit ref listing completely!!! :lol:

 

 

Robinson Way (Abbey) - debt sold to RW £1840 - await letter from them....cant CCA as bank account.... agreed to settle for £368 :-D

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