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    • 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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    • We have finally managed to obtain the transcript of this case.

      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.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

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      This is good ethical practice.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Fraudulent use of signature?


dpjg3982
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I mean that it is a legal requirement for them to possess a Consumer Credit Licence, and there are serious penalties for them not having one.

 

I am unable to find any trace of the company that you mentioned on the searchable database. Hopefully other Caggers will confirm. If they really don't have one, you won't be needing to pay anything, that's for sure.

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Lending money without a licence is illegal. If you suspect someone is a loan shark you should report them either by phone, by text/SMS or via email.

 

Stop Loan Sharks : Directgov

 

I don't think you should wait for the bank to contact the police, I think you should go and see them yourself as soon as possible. Definitely report them on that link above, and also report them to Trading Standards.

 

And stop all payments to this mob, I don't think you'll be needing to worry about this alleged debt :)

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I have just reported the situation to the link via e-mail

after reading some other threads on here i see i am not alone with these people however the worrying part was reading that natwest don't seem to be interested in the situation

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however the worrying part was reading that natwest don't seem to be interested in the situation

 

Because of that is why you should report it to the police yourself. The whole banking industry is desperate to keep under wraps just how widespread fraud really is :mad:

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I will phone natwest on monday and ask for an update and advise that i have read that my case is not the only against these people and ask if they have reported it to police as if not I will be doing so myself

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I will phone NatWest on monday and ask for an update and advise that i have read that my case is not the only against these people and ask if they have reported it to police as if not I will be doing so myself

 

I wouldn't expect too much from NatWest.

 

You need to:

 

Go to the police.

 

Involve your local Trading Standards regarding:

 

The money that has been taken.

 

That you suspect the company does not have a Consumer Credit Licence, (A search of the OFT's Public Register shows no licence for Checkbook Loans Ltd, T/A Chequebook Loans).

 

David

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  • 4 weeks later...

A brief update on my reporting - There is none I have chased all parties and had no response. Only ones are cheque book loans sending e-mails, txt messages and tried to take money again (luckily i had moved all my money out my account)

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So you still haven't been to the police you was advised a month ago what to do they are stealing off of you.

Something fishy here.

I have no legal training, any knowledge I have has come from this forum, and my own experiences. Always balance up any advice you get with your own common sense.

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you initially said you had signed a standing order for 40 per month

 

later you said "i agreed to payments of 40 per month from my debit card"

 

debit card transactions have to be done one at a time

 

when you signed the "standing order" was this sent to you from your bank or from chequebook loans?

 

it is unlikely that chequebook loans would send you a SO instead of a DD

 

is it possible that you are confused and have signed a variable amount direct debit?

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The only paperwork I signed was upon application

The payments have always been taken using my debit card which when I cancelled the card due to entering a DMP this problem occurred as they couldn't take any money

There was never a direct debit form signed

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Also, I have a copy of the form they submitted to the bank which is a standing order form trying to take £200/month until further notice with signature and date taken from application

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  • 11 months later...
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