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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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Citizen B, the card was a virgin braned card and as you say it's not mentioned on the agrrement !!!!! does that mean anything ???

 

The card was applied for on line and all the paper work was sent through

 

Thanks for all your help and i will let you know how it all went

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Well guys today is the day:( I ahve got all the notes that i can together not many but i have some, also i have a bit on Hearsay evidence which i hope wthe court will see that it applies to there witness statement in part 10

 

so the hearing is at 11.00am . just off to get ready......

 

As soon as we get back i will post up what the outcome and what happend

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How did it go?

Halifax Card (OH) -2.9% reinstated - Sucess!

Santander/House of Fraser (1) PPI Refund plus 8% plus LOC

Santander/House of Fraser (2) PPI Refunded plus 8% plus LOC

Penalty Charge Notice - Representation accepted and PN cancelled - £120

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Hi guys , well the outcome of today is not what we expected i will post up the full events soon but in short , the hearing was ajourned on the grounds that MBNA/restons had submitted to much paper work for the judge to go through and digest in half hour so he said as we were LIPS he was bound by duty to look at all the documents properly and also asked us to submitt a full amended defence as he could not find our ED !!!!!!!:confused::confused:

also he wants to see a proper defence against the credit agreement other wise he will not go any further and award the judgment to the claimant

So he has given us 14 days to submitt our defence and then a month to set another date and has given the next hearing an hour and a half slot to battle it out.

What do you all make of that then cause im totally dumbfounded to say the least ????????????????????:confused::confused::confused::confused::confused::confused:

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Interesting outcome. At least you have survived to fight another day. I wonder what happened to your ED. Did you submit online or take to the court personally ?

 

It is good that the Judge was looking out for your interests as a LiP. What you now need to do is really think about what you need to say in a full defence and get it submitted on time.

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Well at least you have the experience of going today so you know what to expect and how to proceed at the next hearing knowing what they will be coming at you with.

 

Same as mine DJ did not have my WS statement or relevant documents, as you know mine just got on with it and gave me a trial there and then! Someone more knowledgeable will come along soon I'm sure.

 

I was amazed at how mentally exhausting it was!!

Halifax Card (OH) -2.9% reinstated - Sucess!

Santander/House of Fraser (1) PPI Refund plus 8% plus LOC

Santander/House of Fraser (2) PPI Refunded plus 8% plus LOC

Penalty Charge Notice - Representation accepted and PN cancelled - £120

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The ED was submitted on line so they have it somewhere but what the judge did say was that if an agrrement of any kind has been signed be it a actual credit agreement or an application form it stand as an executed agreement so i need a bloody good defence to stop the judgement going ahead !!!!!

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Not a bad result. You live to fight another day! It gives you another 14 days to put together a stronger defence against the credit agreement. So you will need to get everything together that you can to take the original agreement apart. Go over it with a fine toothcomb and pick it apart. Anything you are not sure of ask.

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Another sneaky thing the solicitor did was to hand me a skellington argument document 20 mins before we went in but the judge had a fit and would not look at it saying you should of made it avalible 24 hours ago !!

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My wife is thinking about looking for a no win no fee solicitor to take it to the next hearing :(

 

A good idea if you can find one to take the case on. It will save you all the hassles and worry of preparing the necessary documentation etc. and presenting your case in unfamiliar surroundings.

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As far as im concerned and looking at the alleged agreement all the prescibed terms are there and evrything that should be there is there unless my beadie eye has not seen something that should shouldnt be there ?????

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