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    • But they still can send a claim form to your old Address. You won’t even know about it either, therefore won’t be able to defend The next thing you know is when you are turned down for credit and find a fresh, shiny CCJ on your file.   The answer is to let them know your current address via post. That way , if they are stupid enough to try any action, they won’t have a snowballs chance in hell of winning. You have the ultimate defence! It’s statute barred.
    • Also, I should point out that you will win anyway – but you are making it much more complicated than it needs to be. If you simply raise the question of your statutory rights and his breach of obligation then the judge will give you a judgement in your favour within five minutes. Because you have raised pretty well every other issue bar that, the judge will have to consider the entire aspect of the defects and whether they do amount to a substantial breach of contract and whether they could have been repairable et cetera et cetera et cetera. Although you will eventually win, it means that the judge may have a complicated issue to decide and of course it will simply prolong the agony. Simply raising the fact that the dealer refused to comply with your assertion of your right to reject will bring the entire case shuddering to a halt in your favour and the judge doesn't need to listen to any other arguments. He simply needs to see your letter of rejection.
    • capquest cant send a CCJ anywhere...    
    • Jet2 need to give you the hotel you are being rebooked to. A change from "your previous hotel" to "no hotel" (as things currently stand)  is significant enough imho to ask for a full refund.   @monyl I think the problem is different here, since the holiday wasn't cancelled due to lockdown. On the opposite Jet2 are trying to do their utmost to not cancel the holiday, and find an alternative accommodation for the OP so they can get away with not having to provide a refund. To devil's advocate for a minute, I don't want to defend their business practice but I must say I understand that they're trying their utmost to avoid losing even more cash than they already have. They'll have to provide something that's "significantly" similar to what the OP requested though, to stand a chance to legally do so.    
    • What stage is your claim at now ?  You submitted it in Oct 19 ...has it been allocated yet ? Andy
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    • Currys Refuse Refund F/Freezer 5day old. Read more at https://www.consumeractiongroup.co.uk/topic/422656-currys-refuse-refund-ffreezer-5day-old/
      • 5 replies
    • Hi,  
      I was in Sainsbury’s today and did scan and shop.
      I arrived in after a busy day at work and immediately got distracted by the clothes.
       
      I put a few things in my trolley and then did a shop.
      I paid and was about to get into my car when the security guard stopped me and asked me to come back in.
       
      I did and they took me upstairs.
      I was mortified and said I forgot to scan the clothes and a conditioner, 5 items.
      I know its unacceptable but I was distracted and Initially hadn’t really planned to use scan and shop.
       
      No excuse.
      I offered to pay for the goods but the manager said it was too late.
      He looked at the CCTV and because I didn’t try to scan the items he was phoning the police.
       
      The cost of the items was about £40.
      I was crying at this point and told them I was a nurse, just coming from work and I could get struck off.
       
      They rang the police anyway and they came and issued me with a community resolution notice, which goes off my record in a year.
      I feel terrible. I have to declare this to my employer and NMC.
       
      They kept me in a room on my own with 4 staff and have banned me from all stores.
      The police said if I didn’t do the community order I would go to court and they would refer me to the PPS.
       
      I’m so stressed,
      can u appeal this or should I just accept it?
       
      Thanks for reading 
      • 7 replies
    • The courier industry – some basic points for customers. Read more at https://www.consumeractiongroup.co.uk/topic/421913-the-courier-industry-%E2%80%93-some-basic-points-for-customers/
      • 1 reply
    • The controversial sub-prime lender says the City watchdog is investigating its practices.
      View the full article
      • 0 replies
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I admit to having my head inthe sand 99% of the time regarding debts, My now husband had debt when I met him which then he was unable to pay due to 3 redundancies/lost jobs in 1 year, this in turn caused me to borrow to keep a roof over our heads and now we both are almost evenly matched.

 

Currently neither of us can afford Bankruptcy, nor can we get any credit, he has 2 CCJs and is paying those plus a few creditors token amounts, the rest either did not reply to CCA requests and are in default or just havent responded. I have SAR'd creditors where I can but we struggle to have the £10 spare due to a constant run of bad luck over 4 years

 

I am paying all my creditors a token amount except a couple whom again need SAR when we can afford it.

 

My question is what next, we both feel we are stuck, we wanted to start a family and havent due to debts, I feel this is slowly being taken away from us as I get older, we have never had a holiday or honeymoon, and never go out.

 

Where would anyone suggest we go regarding these debts from here?

 

Having had creditors accept payments its easy to just let it run, but at £1 a month we will be 93 before anythings paid off. I remember some time ago people writing to creditors to ask to get debts written off, does this still work?

 

Any help appreciated.

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On the basis of the information provided, I am assuming that you do not own your home, this is an important factor.

 

If you respond to this point someone will come back to you.

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I admit to having my head inthe sand 99% of the time regarding debts, My now husband had debt when I met him which then he was unable to pay due to 3 redundancies/lost jobs in 1 year, this in turn caused me to borrow to keep a roof over our heads and now we both are almost evenly matched.

 

Currently neither of us can afford Bankruptcy, nor can we get any credit, he has 2 CCJs and is paying those plus a few creditors token amounts, the rest either did not reply to CCA requests and are in default or just havent responded. I have SAR'd creditors where I can but we struggle to have the £10 spare due to a constant run of bad luck over 4 years

 

I am paying all my creditors a token amount except a couple whom again need SAR when we can afford it.

 

My question is what next, we both feel we are stuck, we wanted to start a family and havent due to debts, I feel this is slowly being taken away from us as I get older, we have never had a holiday or honeymoon, and never go out.

 

Where would anyone suggest we go regarding these debts from here?

 

Having had creditors accept payments its easy to just let it run, but at £1 a month we will be 93 before anythings paid off. I remember some time ago people writing to creditors to ask to get debts written off, does this still work?

 

Any help appreciated.

 

Why are you SARing the companies ?. Have you requested your CCA's first ? Your last paragraph seems to imply that you are unsure/unaware of this process.

 

Andy

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You can stop paying the creditors who have not responded to CCA requests until if and when that they do supply a legal copy.

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Hi all ,sorry I couldnt get online over the weekend

 

No we do not own we rent.

 

My comment was fairly general apologies, we have SAR'd companies such as HSBC who have added £800 charges and done things like ignore recorded delivery letters, also SLC who said they didnt get a deferrment notice and are hounding us for £3ks worth or back payments, however I am told that SLC really are law unto themselves and can get away with anything

 

I have always sent for a CCA and a SAR has only been if they are holding information I wish to see. I deal with both our debts paper workwise.

 

We have had 3 incidences where CCA requests have gone over time or the account has been closed, but I have been told now by looking at other forums and other posts that this does not mean a debt is written off, and also one of those has been sold on now and being threatened with allsorts from that company.

 

That the debt is still there and cannot be seen as removed?

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Hi all ,sorry I couldnt get online over the weekend

 

No we do not own we rent.

 

My comment was fairly general apologies, we have SAR'd companies such as HSBC who have added £800 charges and done things like ignore recorded delivery letters, also SLC who said they didnt get a deferrment notice and are hounding us for £3ks worth or back payments, however I am told that SLC really are law unto themselves and can get away with anything

 

I have always sent for a CCA and a SAR has only been if they are holding information I wish to see. I deal with both our debts paper workwise.

 

We have had 3 incidences where CCA requests have gone over time or the account has been closed, but I have been told now by looking at other forums and other posts that this does not mean a debt is written off, and also one of those has been sold on now and being threatened with allsorts from that company.

 

That the debt is still there and cannot be seen as removed?

 

There is a difference between debts being written off and being unenforceable. Are you aware which of the CCA's maybe enforceable or not ?

 

Andy

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May I ask if you are receiving benefits, as although there is an upfront cost to bankruptcy of around £500, you can claim this back if you are receiving benefits. This may be worth looking into. Bankruptcy will clear your debts once and for all, to allow you to move on.x

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No my husband is currently working so we cannot claim, he works a contract so any time off say the last 2 weeks with swine flu we get nothing for and its really badly paid, but better than nothing, I have a business but it brings in very little if anything, have not been able to get employment either since April.

 

We couldnt even front the £500 even if we got it back, just dont have that money.

 

The amount of our debts combined is just far too high to ever think about getting rid of, appart from writing off, BK or possibly final offers but weve never had the money to do this.

 

All the credit agreements that have come back are enforceable, all prescribed terms etc there, those that havent we havent heard from bar one who has sold on the debt and they are badgering us, in all honesty it might be best to let them make us BK? least that way we wouldnt have to pay for it.

Edited by summer30

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