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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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      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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Halifax Current Account Charges.. and I want em BACK!! :-)


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Hi Everyone, this is my first post to this forum but i've a feeling it wont be the last!! hehe

 

I've been a customer of Halifax Bank for seven years now and it's a current account. Over the past year or two i've lost count of how many charges i have incurred. These have each been for direct debit's being returned mainly and each time have been £39.

 

I need to know what my first move is, i dont really have the money for the small claims kit but am more than motivated in doing things myself.. with your kind support of course.. so the floodgates are open guys.. advise away. I'm able to check this forum all day n night so I will be as quick as humanly possible keeping things moving.

 

Thanks in advance.

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Ok, i'm going through those steps.

 

First hurdle, I already phoned my bank and i'm now waitin on them to call me back to let me know whether i'll be charged for receiving my charges list. I simply asked them for my information they told me i had nine charges.. easy enough.. but to provide written proof they "may" be a charge. I'm pretty sure of what the answers gonna be.. but its bought me a bit of time..

 

I'm at the stage of the letter about Data protection. that link takes me to a search screen, what am i searching for ???

 

Data Protection Commissioner as the address of the Data Controller:-

 

doesnt help me.. am i looking for the address of my banks something or other?

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No, i phoned them up, requesting the information, they were able to confirm over the phone that i had nine charges. They said someone would be calling me back to confirm my request and notify me of any charge..

 

Thanks Clayt for that address.. i'll be sure to make that my first move if they dont get back to me today.

 

On another point, i had a HSBC student account, that got rinsed with charges and i ended up paying over 2000 back to them. the account was closed and handed over to debt collectors, i then settled through them. is it still possible to claim off them??

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On another point, i had a HSBC student account, that got rinsed with charges and i ended up paying over 2000 back to them. the account was closed and handed over to debt collectors, i then settled through them. is it still possible to claim off them??

 

Yes...as long as the charges are not more then 6 years old. :)

[FONT=Arial][SIZE=1]Proceedings issued....and acknowledged. [/SIZE][/FONT] [FONT=Arial][SIZE=1]Counting down to the 21st....[/SIZE][/FONT] [URL="http://thebighub.co.uk"]http://thebighub.co.uk[/URL]

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No, i phoned them up, requesting the information, they were able to confirm over the phone that i had nine charges. They said someone would be calling me back to confirm my request and notify me of any charge..

 

Thanks Clayt for that address.. i'll be sure to make that my first move if they dont get back to me today.

 

On another point, i had a HSBC student account, that got rinsed with charges and i ended up paying over 2000 back to them. the account was closed and handed over to debt collectors, i then settled through them. is it still possible to claim off them??

When you receive the list of charges ensure it covers six year period. Halifax try to fob people off with just the last two years or so because it requires a bit more effort to retrieve record solder

Regarding the closed student account you can still reclaim the charges in exactly the same way as long as you have your old account number to refer to. You then use the amount you recover to clear the debt

17/5/06 - Halifax -preliminary letter sent

31/5/06 - Halifax - LBA sent

15/6/06 - claim filed

6/7/06 - SETTLED IN FULL £3,306 + £859.95 interest

13/7/06 - Abbey Credit Card - Data Protection Act letter

10/8/06 - Abbey CC Rec £150 gwj £192 oust.

13/8/06 - Abbey CC - prelim letter sent

28/8/06 - Abbey CC - LBA

18/9/06 - Abbey CC - Settled in full - £200 paid

 

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