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    • Apologies all for the late reply and info, i have been away with the Army. They have paid I accepted the offer on the 5th of May, and they paid on the 17th of May.
    • Hello everyone,   Just thought id post an update.   I've today now finally received a claim form from PRA Group. Bit annoying as the last payment to them would have August 2018 so was nearly over the line. I believe my only grounds for defence is that they haven't managed to produce a copy of the DN notice, however from some online research I managed to find some case law that stated they can use their systems screenshot to show proof of it being sent.   I know I have to respond back to their claim form and will do so online on moneyclaim, is now the time to pick up the phone to them and negotiate a deal?   Any advice as always is much appreciated it.
    • 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.      
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muckhall and their latest advice


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had a message on my answerphone from muckhall rang them and conversation went like this

hello this is muckhall

hello this is mr debt4get ref1000********

oh I cant find anything under that number oh well if we cant contact you by phone we will send our doorstep team to visit

debt4get. no..I dont think so.. if they turn up they will be removed forthwith..

muckhall.well we can visit when we like we can get a ccj without you even knowing and turn up

debt4get. no i think if your going for a ccj you need to supply me with court papers first

MH. no we dont we can just get a ccj you will not even be told we've got it.. you obviously know nothing about consumer debt

debt4get I know if you go for a ccj you have to apply to court and send papers so I could defend

MH no we dont and I am not talking to you any more

phone goes down

thing is...the debt wasnt even for me.. but I did enjoy winding him up

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Why are you having conversatins like this without recording the call? This kind of recorded evidence would be pure gold in a complaint to the OFT.

 

Get a call recorder and record your calls

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I got home from work today to find a letter from Muckhall saying we have passed your account back to our client as we are no longer dealing with you and enclosing £1 I sent 7 days ago

 

Result or what?:D

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Looks like we will all have to purchase recording gadgets!

 

A few months ago a MudkHall rep. went round to a friend mothers house in order to carry out a doorstep visit with my friend, who has not lived at his mothers address for 40 years.

 

My friends mother is 90 and has alzheimers;

her carer is 63 and is disabled.

 

The MuckHall rep. frightened the two ladies as they believed everything that he said;

a recording gadget would have come in very handy that day!

 

The alleged debt is well and truly statute barred but just imagaine the amount of explaining that my friend had to do, in order to calm his mother and the carer...a very embarassing/upsetting day.

 

Nice One MH.

 

AC

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Looks like we will all have to purchase recording gadgets!

 

A few months ago a MudkHall rep. went round to a friend mothers house in order to carry out a doorstep visit with my friend, who has not lived at his mothers address for 40 years.

 

My friends mother is 90 and has alzheimers;

her carer is 63 and is disabled.

 

The MuckHall rep. frightened the two ladies as they believed everything that he said;

a recording gadget would have come in very handy that day!

 

The alleged debt is well and truly statute barred but just imagaine the amount of explaining that my friend had to do, in order to calm his mother and the carer...a very embarassing/upsetting day.

 

Nice One MH.

 

AC

 

and no doubt that even shocking examples like this,if reported to OFT will still result in the same crap of "we do not get involved in personal cases,but will keep on file for license re newing time.

and still bloody grant it again:mad:

SAM

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