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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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old YB loan sold to marlins - claim form received - help


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can any one help?

 

Marlin are ringing my mobile and house phone several times a day demanding payment, despite me telling them not to.

 

I have tried contacting YB; for to be told by them it is nothing to do with them.

 

The debt was sold in September but I have only just received the notice of assignment so all the payments in between have not been credited.

 

Marlin just keep telling me to pay; but if I pay am I agreeing this is the amount I owe them.

 

I know it is not a lot of difference but that is not the point. I can not afford to pay twice. Please can someone help?

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It was a loan. I have not received a default notice. Due to the recession I am self employed and agreed with YB for reduced payments, to which I have kept to. YB have told me they have sold 58,000 debts to Marlin including mine.

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send the ****ers this with your cca request too and that will stop them twits calling you.

 

Telephone harrassment

 

Account Number: *******

 

 

I am writing in relation to the quantity and frequency of telephone calls that I have received from your company, which I deem to be personally harassing.

 

I have verbally requested that these stop, but I am still receiving calls.

 

I now require all further correspondence from your company to be made in writing only.

 

I am of the view that your continued harassment of me by telephone puts you in breach of Section 40 of the Administration of Justice Act 1970, and the Protection from Harassment Act 1997.

 

If you continue to harass me by telephone, you will also be in breach of the Communications Act (2003) s.127 and I will report you to OFCOM, Trading Standards and The Office of Fair Trading, meaning that you will be liable to a substantial fine.

 

Please treat this also as a formal complaint, and send me a copy of your company complaints procedure.

 

 

Be advised that any further telephone calls from your company may be recorded and a Fee of £50.00 will be payable by you for each and every call that is received. Any invoices that are not paid within 30days will lead to the commencement of county court proceedings. (delete about fee if you wish)

 

Yours Sincerely

 

 

Letter provide by UK26

 

hope that helps? it certainly does me even works on pain in the arse sales companies too lol :D

Please note that this advice is given informally, without liability and without prejudice. Always seek the advice of an insured qualified professional. All my legal and nonlegal knowledge comes from either here (CAG),my own personal research and experience and/or as the result of necessity as an Employer and Businessman.

 

By using my advice in any form, you agreed to waive all rights to hold myself or any persons representing myself of any liability.

 

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Thank you for your help.

 

I have posted both letters today and recorded delivery.

 

Can I also ask what happens if they do not respond at all to a CCA request.

 

I have another debt that I reduced due to a drop in my income due to the recession.

 

I paid the reduced installments on time but this debt was sold to Apex.

 

I wrote a CCA recorded delivery to Apex four weeks ago but have had no response.

 

Thanks again.

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Was the assignment sent Special Delivery? If not, its flawed, I believe.

 

am not sure if its flawed or not but it does mean they can't prove if you received or not. ingorance is bless on that point ;)

Please note that this advice is given informally, without liability and without prejudice. Always seek the advice of an insured qualified professional. All my legal and nonlegal knowledge comes from either here (CAG),my own personal research and experience and/or as the result of necessity as an Employer and Businessman.

 

By using my advice in any form, you agreed to waive all rights to hold myself or any persons representing myself of any liability.

 

If you PM me, make sure to include a link to your thread as I don't give out advice in private. All PMs that are sent in missuse (including but not limited to phinishing, spam) of the PM application and/or PMs that are threatening or abusive will be reported to the Site Team and if necessary to the police and/or relevant Authority.

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Today received a letter from Marlins saying

"thank you for your letter received on the 17th November."

 

Royal Mail must be so efficient as I did not post until the 21st.

 

They do not have the relevant documentation and are applying to YB for it.

 

But the worrying thing is the amount of debt outstanding is different to initial letter and is still wrong!

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  • 3 weeks later...

Please can someone advise me further. I have now received from Marlin's a copy of my original credit agreement. But Marlins are still chasing me for the wrong amount. Payments made on the account made between when the account was sold to Marlins and me receiving the notice of assignment have not been passed on. What can I do now?

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It is not charges. I had an arrangement with YB to pay a weekly amount. They apparently sold the debt in September but did not send me a notice of assignment until November. So the payments made in between have not been credited. YB still have them!

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Yes, now you have put in a formal complain then the account will be in dispute until the compalin is resolved. As such Marlins should not pursue you, so simply write them a letter stating the debt is in dispute, include a copy of the letter you sent to YB too as no doubt theyll only ask for a copy anyway.

Please note that this advice is given informally, without liability and without prejudice. Always seek the advice of an insured qualified professional. All my legal and nonlegal knowledge comes from either here (CAG),my own personal research and experience and/or as the result of necessity as an Employer and Businessman.

 

By using my advice in any form, you agreed to waive all rights to hold myself or any persons representing myself of any liability.

 

If you PM me, make sure to include a link to your thread as I don't give out advice in private. All PMs that are sent in missuse (including but not limited to phinishing, spam) of the PM application and/or PMs that are threatening or abusive will be reported to the Site Team and if necessary to the police and/or relevant Authority.

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I have received communication from YB that they will be sending me my payments back and I have to pass them on to Merlin.

 

Am I obliged to do this; it sounds really odd to me.

 

Also in relation to my alleged debt to Apex. T

 

hey ignored CCA letter and then when I sent in dispute letter they replied saying they was searching the archives.

 

I have now received another letter saying the debt has been sold from Apex Credit Management to Apex Collections

and please can I contact them with my payment proposals.

 

Do I ignore this letter?

 

I have not paid anything since I put the account in dispute.

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hi

 

With YB sending you the money back, does that make what the DCA are claiming correct?

 

You said you have been sent the agreement. Do you know if it is a good 'un or not?

 

fox

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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The YB have not given me a figure; just told me they are sending it back.

 

They have cashed all my cheques and I am not sure how I will get it back.

 

If I get it all back then it would make the amount the DCA are claiming as correct;

 

but should I have to send that to Merlin or could I put a smile on my childrens faces this christmas with it

and make an agreement with Merlin to pay in installments.

 

Unfortunately the agreement is the original but I was expecting it as it is a recent debt.

 

It is just the way it has been handled that makes me really cross.

 

What would you advise in relation to the alleged Apex debt? Thank you

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I think it may be time to SAR YB. You say you never received a default notice but YB told you that they had sold your account. If Marlin are collecting on behalf of YB then your account is still "live" although suspended.

If YB are correct in that the account was sold then a termination letter should have been sent to you after the "supposed" default ran out.

 

A SAR will (hopefully) bring back your account history with YB and copies of (again hopefully) everything they hold. This should show whether a DN or a TN was issued or not.

 

With Apex, I would ignore until they send what you have requested. Once they do, it would be good practice to start a separate thread for it as dealing with 2 creditors can be confusing on one thread. If they start to pester you, complain.

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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  • 3 years later...

old and new threads merged

 

as they've done nowt in more than 5yrs I cdoubt they will now.

 

just willy waving

 

is this on your cra File?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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