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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  
    • good idea take some pix and put them in a PDF read UPLOAD dx
    • 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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anyone dealt with iqor?


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Hi everyone

 

I've been sent a letter demanding payment in full from iqor (who had the debt passed on from classic card who I've never heard of either!). Prior to that, the debt was held with Blair Oliver & Scott, who I was in written correspondence with (following advice from this forum) and originally the debt was held by the Royal Bank Of Scotland. Are these debts just being sold on to new DCAs every few weeks??!

 

Iqor are going through the pre litigation threats and instructing phone contact to be made. My understanding is that all correspondence should be undertaken in writing. Iqor are also threatening the doorstep call. Now I've just sent a letter to AA Personal Finance as they sent an impersonal card (with no reference to an account or debt) stating that one of their representatives will call at my home on 3.2.09. The letter I have sent to them makes reference to Armstrong v. Sheppard and Short Ltd [1959] 2 Q.B. per Lord Evershed M.R. regarding unlawful entry to private property.

 

Has anyone else on the forum experienced anything similar and could anyone advise whether I'm on the right track?

 

As ever, many thanks

moneyprobs x

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.....IQOR !!.....I told one of the doorstepreps. to p..s off and come back with a valid CCA.and the debt is SB.anyway......He moved VERY quick towards his Car......Don't worry to much about Iqor.....Good Luck!!

:)
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....Hi; a CCA is aCONSUMERCREDITAGREEMENT and SB means a Debt is Barred by STATUTE.( after 6 years in England but only 5 in Scotland)... PS: just read through some of the threads and you soon get the hang of things....wm.

:)
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CCA = Credit Card Agreement

 

SB = Statute Barred - refers to a debt that has neither been acknowledged or paid for 6 years .

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Hi Werner, IQOR are indeed very easy to get rid of. Frankly, if it's got as far down as them then you shouldn't have any problems.

 

They do respond to email correspondence, so you can tell them to sod off without spending anything. Here's their email address: [email protected]

 

Regards.

 

Fred

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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Hello folks - it's reassuring that you've been able to deal these iQor bullies. Having sent the letter to them regarding the legalities of their proposed 3rd Feb doorstep call (which has gone unacknowledged), a letter from them came today 'Notice of Legal Proceedings' demanding payment of the debt in full by 10am on Feb 1st (2 days before the original intended doorstep call??!!). In their letter they have threatened court action (incl. examination of my means), proposed deductions from my salary (they don't know whether I'm salaried or not!) and seizure and sale of my property.

 

Does anyone know where iQor stand legally on any of the above threats?

 

The letter is not signed in any way, there is no iQor named person on the letter for reference, but as ever, there is a number in bold (!) to call and I clearly stated in my letter to iQor that all correspondence was to occur in writing. Should I write to iQor now asking for my original CCA (as I did with BO&S) as iQor have purchased the debt and presumably need to provide proof of the original agreement too - does anyone know if this is the case?

 

Yours gratefully

M

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Hi again

 

Just wanted to add something about that that last letter from iQor (demand for payment in full within less than 4 days from receiving the letter!).

 

I can't find an account number anywhere on the letter, just a reference number and also, the proposed pay in full deadline is 10am on a Sunday when their phone lines are closed anyway. Have decided to send the request for original CCA of to them today. Hope this is the right thing to do.

 

Fred - you mentioned about iQor being pretty far down the food chain - could you give me any more info on this - thanks.

 

Thank you all :-)

M

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I would say that this letter isnt meant to do anything other than scare the pants off you. Dont get sucked in.

 

Unfortunately, they have forgotten one thing. To do all they have threatened they do have to get you in court first.

 

The letter in the post below can be amended to suit your purpose.. ;) and should see them off. x BTW, if there is no account number on THEIR letter.. then dont give them one in yours. Use only references that they have.

 

http://www.consumeractiongroup.co.uk/forum/show-post/post-1800199.html

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Many thanks Citizen B

 

I have quoted only the reference number within the letter as that thought occurred to me too....

 

M

 

Excellent :D

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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