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    • 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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I paid full and final settle on what i owed can i still claim


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About 4 years ago I was in so much debt, the banks took me to court for money I owed, I negotiated full and final settlement with the banks to clear myself. Can i now put a claim in against the banks etc for the charges which they made, even though I paid them full and final settlements, and can they open up my account again a press for the money which would of been outstanding. If it hadnt of been for the charges I would have been able to sort something out:-o

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Hi Wizard

 

Yes you can claim for the UNLAWFUL charges and have you got a letter that states the account was setteled and the payment you made was full and final??

 

If you have not done so read the FAQ's and as much as possible in your banks forum and then start your own thread in there to ask anyother questions you may have:)

 

Welly:)

DONT FORGET TO DONATE TO THIS SITE WHEN YOU WIN THANKYOU

If you dont it wont be here:x

 

Let battle commence!!!!!:mad:

All advice and opinions given by people on this site are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, please seek qualified professional legal Help.

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yes got some letters but have also got credit report which state they are satisfied. Some of the banks knocked £2000 of what i owed them would they claim that the unlawfull charges they made to me were paid back with letting me of a few grand or doesnt it matter what they let me off

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Is it possible that a large part of the debt is from the bank charges they charged you and you got more and more into debt?

 

I would go for it and I'm sure as they settled the debt and it is satisfied then they cant go after you for the rest!:)

 

But to make sure I will ask another member to read this just to make sure.;)

 

Welly:)

DONT FORGET TO DONATE TO THIS SITE WHEN YOU WIN THANKYOU

If you dont it wont be here:x

 

Let battle commence!!!!!:mad:

All advice and opinions given by people on this site are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, please seek qualified professional legal Help.

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Guest Zooman

This is may not be that simple as when the bank sued you for the money they got judgement what you are saying is that you now have new evidence so it will have to go back to court. Make a post in your banks forum and we will start to look at it together.

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Thanks Zooman :)

DONT FORGET TO DONATE TO THIS SITE WHEN YOU WIN THANKYOU

If you dont it wont be here:x

 

Let battle commence!!!!!:mad:

All advice and opinions given by people on this site are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, please seek qualified professional legal Help.

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they were going to take me to court, sorry i didnt word it right. I never went to court i got a solicitor involved just before it got too far and he settled it on a full and final settlement. Never got a judgement thanks god. i think royal bank i paid them like 1300 of a 1900 debt but am sure charges are more than the difference even it they did open it up again the money i got back from charges would pay the difference.

 

cheers for replying guys realloy is appreciated and ill keep posting to let know how i get on.

ive waited so long to have a go at the banks and now i can

 

cheers all

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Guest Zooman

My first thought is if you offered "full and final settlement" that this would mean you can not reopen it as this would apply to both you and the Bank.

 

I will check with the Mods and come back to you though as I may well be wrong.

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