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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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Little old me V HSBC - Claim form now received


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i did with cccs but they said it had to be joint names on the proposal, but i don't want her name on it as that will imply she's at fault for the debts and she isn't, i may phone up payplan and find out what they say? or i don't know if an iva would suit me?

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thought so, may try the dmp route but with just my name on it (deservedly..) they can trash my credit rating which they have done, but my wifes i want to keep safe which it should be? as it's all in my name?

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Still don't know if it's worth me sending off the cca request though? people seem to think i can win on the back of the invalid dn and the final demand they've said only liable for the interest etc? am up and down like a yo yo today sorry!!!

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Hi babybear! just checked my phone and have nine missed calls from hsbc today from 1 o'clock onwards have it set up on my mobile that all the collection numbers that have rung me go straight to answer phone!!!! Not one message, so how come they desperately want to talk to me but won't leave one message? and do i talk to them or just insist on letters only? thanks in advance...

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  • 2 weeks later...

Hi babybear! Quick question as i've not had a peep out of them for a week? should i just pay a pound off the account now it's in dispute, even though they've not acknowledged it as yet? Or carry on and not pay anything as a couple of people have said? Much appreciated for your help...

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Hi bilious :)

 

The CCA should be through in a couple of days, (because they have 12 +2 days to comply) ...... so why not wait till that arrives ..... if there is anything iffy in there , then the account is in dispute and they can't chase you for it ...... although they'll try ......

 

Meanwhile ,if you don't want telephone harassment , write and tell them so ....... log any calls after you've warned them and report them to OFCOM ......... send something like this :

 

Dear Sirs

 

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. (Delete if necessary)

 

I now require all further correspondence from your company to be made in writing only. This protects us both in the event of a court case.

 

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.

 

Be advised that any further telephone calls from your company will be recorded. (**Even if you don‘t yet have recording equipment!!**)

 

 

Yours faithfully,

 

And of course , send it 'Recorded Delivery' , so you can prove rthey got it !

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

 

If you think I've helped you please feel free to tickle my star :-D

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Also I would complain to the Ombudsman SD ......... Banks have a 'duty of care ' under the Banking Code ' under which they have to show that they've properly assessed and assisted you to solve your debt problem ..in this case they obviously haven't done so.........

 

our complaints procedure and how to complain

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

 

If you think I've helped you please feel free to tickle my star :-D

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Thanks for that johnny, been a balls up, my wife posted it for me but she didn't send it recorded, so sent one off yesterday with broooces template letter and the 1 quid postal order so fingers crossed for the next 2 weeks they can't find it?

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Here's a quick one for you hsbc won't close my account (bank ) because there's six months left on the loan with them my new bank has set up the dd for it but hsbc flatly refuse to close the account and because of this they have got me overdrawn with this account as no money is in it and all money is coming out of my natwest account. Any ideas on how to remedy this please this is the only account hsbc that tied my wife to me financially

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Thanks for your PM :)

 

In short, they won't close an account with an oustanding balance on it if they are using it to pay another account thus getting you further in to debt! Stoopid I know but them's the rules...

 

There are, however, exceptions to the rules on older accounts whereby they consolodate (sp) and then sell on ;)

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Well there's no overdraft on it now... so they can't put that od but bet they will and charge me, only six payments left on the bank loan, thats not missed or behind.. so if that's paid off they'll let me close the account? But i said that the direct debit is set up on my new account to pay that and then close the bank account but they said nope. Refused point blank... only the credit card am i in trouble with, but hopefully they'll stuff up properly on it with two days to go... And todays post already arrived ( oh fingers crossed....)

 

Thanks bb! Great help and sorry to keep troubling you...

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  • 2 weeks later...

Right here goes with the photobucket... Can you please please look at these docs they've sent me for my cca and let me know if i'm in the poop or not?

 

 

http://i980.photobucket.com/albums/ae289/tuvelpit69/cca1.jpg

http://i980.photobucket.com/albums/ae289/tuvelpit69/cca2.jpg

http://i980.photobucket.com/albums/ae289/tuvelpit69/cca3.jpg

http://i980.photobucket.com/albums/ae289/tuvelpit69/cca4.jpg

http://i980.photobucket.com/albums/ae289/tuvelpit69/cca5.jpg

http://i980.photobucket.com/albums/ae289/tuvelpit69/cca6.jpg

http://i980.photobucket.com/albums/ae289/tuvelpit69/cca7.jpg

http://i980.photobucket.com/albums/ae289/tuvelpit69/cca8.jpg

http://i980.photobucket.com/albums/ae289/tuvelpit69/cca9.jpg

http://i980.photobucket.com/albums/ae289/tuvelpit69/cca10.jpg

 

Minus information about me and my sig these are exactly what they've sent me.. With separate original (photocopied t&c's..) plus new amendments etc..

 

Please please help so i can see what my next move is...

 

http://i980.photobucket.com/albums/ae289/tuvelpit69/dn.jpg

http://i980.photobucket.com/albums/ae289/tuvelpit69/tn.jpg

 

Oh! And here's my Default notice and final demands for you also to look at please please help!!!

Edited by bilious
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