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    • Hi,   I have been informed that I will get a £1900 backdated payment for UC and that it is being processed. However, I will not see a penny of it. They intend to give it all to Bristol City Council for a housing benefit overpayment of £2900, despite that alleged overpayment being the subject of a tribunal as I don't owe them the money. The housing benefit overpayment occurred when I moved to a different location to get access to my treatment quicker, this was when I was on ESA. The new council told me I needed to apply for UC but the DWP wrote to me at my new address informing me that they had reviewed my claim and were going to keep me on ESA and that I need to apply for housing benefit from the council. I went round in circles for months, during this time my old council paid my housing benefit and then raised an invoice for the so called overpayment.   I can not tell you how sick I feel. I have accrued so much debt living off credit cards during this period to pay for food and bills. I had really hoped I could use the backdated payment to pay off some of the debt and get a little more financially buoyant. What a totally perverse system. They wont use any of the £1900 backdated payment to pay the £550 remaining for the advance I had while waiting for my UC claim to be processed after pushing me off ESA. So those payments for the loan will still be deducted from me monthly. It just couldn't be any worse. I don't have the words.   I had intended to make a donation to this site because you guys have been very helpful and I am very grateful to you all. I'm sorry that won't be happening now.    When did Britain become such a terrible country?   James        
    • defence is not due till day 33 follow post 7 carefully.   you can use recorded post for the cpr  but as they never reply anyway a waste of money just use 1st class stamp with free proof of posting from any po counter.
    • The Defendant contends that the particulars of claim vague and are generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made.   1. Paragraphs 1 is noted and accepted that the Defendant has in the past had financial dealings with  Vanquis.I do not recall the precise details or agreement and have sought verification from the claimant and the claimants solicitor by way of a CPR 31.14 and section 78 request who are yet to fully comply.   2. Paragraph 2 is denied. The claimant pleads that the defendant failed to maintain the required payment, arrears began to accrue. Given that the claimant has failed to comply with my CPR 31.14 request and failed to evidence such fact and would not be in a position as Assignee of debt to know the details of any alleged breach. The defendant has never received a Default Notice from the original creditor. As the claimants plead in their particulars precise knowledge of the default, they are put to strict proof to evidence such fact.   3. Paragraph 3 is denied.The Defendant contends that no notice of assignment pursuant to s.136 of the Law of Property Act & s.82 A of the CCA1974 has ever been served by the Claimant as alleged or at all.   4. It is therefore denied with regards to the Defendant owing any monies to the Claimant, the Claimant has failed to provide any evidence of assignment/balance/breach requested by CPR 31. 14, therefore the Claimant is put to strict proof to:   (a) show how the Defendant has entered into an agreement; and (b) show and evidence any cause of action and service of a Default Notice or termination notice; and (c) show how the Defendant has reached the amount claimed for; and (d) show how the Claimant has the legal right, either under statute or equity to issue a claim;   5. After receiving this claim I requested by way of a CPR 31.14 request and a section 78 request for copies of any documents referred to within the Claimants' particulars to establish what the claim is for. To date they have failed to comply to my CPR 31.14 request and also my section 78 request and remain in default with regards to this request.   6. As per Civil Procedure Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed.   7. On the alternative, as the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of Section 136 of the Law of Property Act and Section 82A of the consumer credit Act 1974.   8. By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.
    • I will get my son to upload the video when he gets in. No down hill slope just a small  gradient and from the turning he came out of its maybe 15 shops until the traffic lights. Maybe it didn't get faster but he feels like it did (not clear on the video)  I'm picking him up from work tonight I'll pay attention to the gradient when I go back.   He'd only changed up to 2nd so he wasn't driving fast    Upside he knows now to always be prepared for ice  
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ac1978

At wits end..please help

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Hi Guys,

 

I was hoping someone could give me some advice.

 

I moved into a new rented home two months ago and my life is being made hell on earth because of the previous tenant. He moved out leaving thousands of pounds owing to various loan/credit card companies.

 

Everyday without fail, several letters are arriving. I was just posting them back, but they keep coming. I have had a guy at the door also looking for the previous tenant and when I told him he doesn't live here anymore, he practically called me a liar. I tried to explain that no forwarding address was left, but he was really rude and obnoxious. He even asked me for ID to prove I wasn't the guy he was looking for, I flatly refused and closed the door on him.

 

To make matters worse, when I moved in, I was given the same telephone number so the phone rings day and night. I will get this changed, but I just don't need the aggravation

 

I know I should'nt have, but I opened a few of the letters to see what was going on and they are quite nasty. There was a letter from court saying a judgement had been against the ex-tenant

 

I suppose I really need to know what to do about this. Do I need to prove to these people that he doesn't live here anymore? I know nothing can happen to me, but I don't want to deal with this, its very stressful and its getting me down.

 

Many thanks

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Hi Guys,

 

I was hoping someone could give me some advice.

 

I moved into a new rented home two months ago and my life is being made hell on earth because of the previous tenant. He moved out leaving thousands of pounds owing to various loan/credit card companies.

 

Everyday without fail, several letters are arriving. I was just posting them back, but they keep coming. I have had a guy at the door also looking for the previous tenant and when I told him he doesn't live here anymore, he practically called me a liar. I tried to explain that no forwarding address was left, but he was really rude and obnoxious. He even asked me for ID to prove I wasn't the guy he was looking for, I flatly refused and closed the door on him.

 

To make matters worse, when I moved in, I was given the same telephone number so the phone rings day and night. I will get this changed, but I just don't need the aggravation

 

I know I should'nt have, but I opened a few of the letters to see what was going on and they are quite nasty. There was a letter from court saying a judgement had been against the ex-tenant

 

I suppose I really need to know what to do about this. Do I need to prove to these people that he doesn't live here anymore? I know nothing can happen to me, but I don't want to deal with this, its very stressful and its getting me down.

 

Many thanks

 

if anyone else comes looking for the ex tenant, call the police and have them arrested for harrassment


post office WON 12/11/06

 

abbey.LBA sent 30/10/06.MCOL claim submitted 8/11/06.allocation questionnaire sent 16/12/06.schedule of charges sent 16/12/06.WON

 

2nd abbey claim SAR sent 3/1/07.WON.complaint letter sent 18/1/08

 

alliance and Leicester.WON

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Keep returning the mail & if anyone calls or 'phones give your landlord's details to them for verification that you are a new tenant & make a complaint to the Trading Standards & OFT if they persist.


Anthrax alert at debt collectors caused by box of doughnuts

 

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Thanks itsamomentintime, I didn't think the police would be interested, but if he comes back I will threaten him with it.

 

Is there somekind of letter I could send to the others to stop them from writing to my address?

 

Thank you

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Guest wino

Hi ac1978

 

it is bad enough being hassled for debts when you owe them it must be infuriating when the debts are not even yours.:mad:

 

I would send each company a letter stating the date you moved into the property and that you do not know the whereabouts of the previous tennant. I would send a copy of the tennancy agreement as proof. Express that they should no longer send letters, make phone calls or visit the property in person as this would be harassment and you will not hesitate to report them if they continue.

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Thanks for the advice guys. I will fashion a letter and send it to the companies who are writing to the ex-tenant. I won't open any more letters, as they are a little frightening to read! I will just respond to the return address on the envelope.

 

What happens with the court claim that has been made against him? I don't want them turning up to try and take my stuff!

 

Thanks again

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I would send them sweet FA. Why should you have to do their bloody work for them, if they want to continue wasting money on threatogrammes and sending odd bods round to your house then let them.

 

Change your number, and go ex directory but you must also tell BT or whoever that you also want your number withheld, so that when you ring out it is'nt flashed up at the other end, or alternatively remember to dial 1471 before your calls to withhold your number.

You could also invest in a magic piece of kit, the Truecall, and that will completely stop any more harassment via the phone, plus you can record it.

 

As for knuckle heads coming round, it is extremely simple " The person your looking for does not live here, the Police are on their way to remove you from my property" and close the door, and ring the old bill, tell them that there is someone at your front door asking you for money and their is likely to be of the peace.

 

Save your money, time and effort on these sad losers, besides each letter you send out will have to be sent recorded delivery otherwise they will point blank deny ever receivng them.

 

I have been in this property now, for over two years and I still get the previous tenants 'threatogrammes' which after I spent the first 12 months sending them back in the post and them still being sent here, I now open them, as I am entitled to know exactly what I can expect to be greeted with when I open the door to my own property.

 

When the 'doorstep collector' refused to believe that I was not the man they were looking for, and calling me a liar, and then threatening me that I could either 'deal with it now' or when 'there were two of us' I simply laughed shut the door and reported them to the Police, so on the next visit the comedian and his 'santa look-a-like' paid my property, they were promptly escorted away sporting some new bracelets:-D

 

Since that episode, I have a camera fitted inside my front door, should they ever decide to darken my doorstep again, and they can be the next You-Tube hit..

 

I would simply continue to RTS the mail, and if another knuckle head turns up asking for the previous tenant, simply say they don't live here and shut the door.

 

And if the harassment continues report it to the Local Police, (not 999)


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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What happens with the court claim that has been made against him? I don't want them turning up to try and take my stuff!

 

They won't! The court claim is in his name, not yours, it is him and not the property that is listed on Credit Reference Files, so the default marker is aginst him, not the property.

 

No-one except a Court Certified Bailiff can remove goods from anyones property, that usually means that they are a little bit more intelligent than these neanderthal DCA's, and one mention that you are not he person they are after will put the kaibosh on them removing goods.

 

Besides, I wouldn't even begin to worry about that, there usually just the bog standard computer generated threatogrammes that are churned out every 7 days.

It has nothing to do with you, they will only be left with egg on their faces and a big compo bill to pay should they continue down this road..


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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