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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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      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Another letter today NOTICE OF DEFAULT SUMS they have charged me for when they came out and that letter above, they have commited an offence havent they? They are 3 months late on the CCA and adding charges to the account isnt allowed? Can someone confirm?

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Another letter today NOTICE OF DEFAULT SUMS they have charged me for when they came out and that letter above, they have commited an offence havent they? They are 3 months late on the CCA and adding charges to the account isnt allowed? Can someone confirm?

 

See you tomorrow for shopping!

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OMG it just gets better! Asked my dad ( screename Ibyss) to have a word as he is better at this than me, I get a little hot headed over the phone, they did NO checks and the monkey from Welcome thought my dad was my husband ( whose name is on the loan) so now they have breached the DPA too now! Hefty fine coming on!

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OMG it just gets better! Asked my dad ( screename Ibyss) to have a word as he is better at this than me, I get a little hot headed over the phone, they did NO checks and the monkey from Welcome thought my dad was my husband ( whose name is on the loan) so now they have breached the DPA too now! Hefty fine coming on!

 

Apart from breaching the CCA1974, the Harassment Act 1997, and the Data Protection Act 1998, he was going to tell his manager to expect a call from me in the morning!

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  • 2 months later...

Hi everyone hope your all well, just a little update...the agreement is with solicitors now being audited.

 

I have received a default notice today, and 3 other letters within the past month...all with different figures on!

 

My credit report shows the balance to be: £2977

Letter 1: £3026.90

Letter 2: £2986.20

Letter 3: £2840.52

 

What I need to know also is what will they do now? I know they need a court order because Ive paid well over 1/3 of the HP...Im not parking on the drive anymore I will park round the back of my house

 

Any advice?

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It seriously amazes me that they read these forums etc and STILL continue to issue such shoddy paperwork!!

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

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it states within 14 days.....14 days of what? the date of the letter? the date it was received? It should state a numerical date such as 03/03/10 to ensure no mis interpretation plus they must allow 14 clear days for you to remedy it :)

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

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  • 2 weeks later...

Hi everyone! Hope your all well...can someone clarify a few things for me please? Below is a supposed Notice of Termination..obviously it looks a little dodgy! Now if WF issue me with 2 dodgy and void notices then go for a court order which will probably be void as they have not issued the right notices, then they reposses the car (which doesnt work haha!) then what happens?

 

NOT-1.jpg

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