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    • Hi With the Section 21 Notice I do hope the Landlord issued you with: Energy Performance Certificate (EPC) for the Property How to Rent Guide A current Gas Safety Certificate (if gas in the Property) If above have not been provided to the Tenant by the Landlord then they can't use a Section 21 Notice until the above have been provided (note you don't warn the Landlord of this until but put it in your defence) Have a good read of this link: Evicting tenants in England: Section 21 and Section 8 notices - GOV.UK WWW.GOV.UK Information for landlords in England on tenant eviction: assured shorthold tenancies, including eviction notices, Section 21, Section 8, accelerated possession, possession orders, bailiffs  
    • good idea take some pix and put them in a PDF read UPLOAD dx
    • thread title updated moved to overseas debt forum. sadly as they are outside any UK jurisdiction upon DCA rules which state in the UK they must not call employers, there not alot you can do to stop these scammers. make sure you totally make private ALL social media twitter/facebook/linked in etc etc as there no-way for them to findout where you work otherwise so you must have a leak somewhere. find it. your employer details arent even legally available to UK DCA's so how have they found it out to date???  simply write to the BANK informing them of your correct and current address ALWAYS!!. if you want to arrange payment or not TO THE BANK ONLY thats upto you. never ever ignore a Statutory Demand a Letter Of Claim a Court Claimform. if if if any of those ever happen. till then ignore and rewash. dx    
    • Date of issue –   13 may 2024 AOS date 31st may defence filing date 14th june plenty of lowell card claimform threads here use our enhanced google searchbox Lowell card claimform id be reading at least 5-10 threads a day. do NOT MISS your defence filing whatever happens.  
    • Hello All,  I’m hoping someone can help me urgently here. Firstly, I’d like to say I have read multiple other threads and have some what an idea of what I should be doing, however my case might be slightly different so coming with my own questions here.    my situation is I lived in Dubai and had a credit card and a loan, loan with HSBC and credit card with Emirates (or the other way round), I lost my job and was forced to leave the country as I was staying in the country on my companies visa.    since coming back, after a few years 2 different debt collections agencies have been approaching me (one being IDRW and the other J&P). I’ve never answered IDRWW and they constantly chase me by calling and messaging me and my employer. My current company is ok with this as I explained the situation but I’m soon to be joining a new company who definitely won’t be ok with being messaged and called. I’m afraid to continue to ignore them as they may message and calm the new employer as they have before and I’ll lose my job. However, it seems clear from these forums that dealing with the debt collection agencies is never a good idea. You shouldn’t agree to the amount or pay anything.    j&p caught me on my phone but I still haven't sent them any money or confirmed the amount they’re saying is owed, they keep pushing to pay off the “principal” amount by making monthly payments, from reading these forums it seems like if I make one of those payments (they have provided bank details for ENBD), then it’ll just be paying off interest and not actually clearing the principle debt and the bank won’t even approve receipt of payment or that it’s coming off principle.    this is my predicament as ignoring them might not be an option if they chase my new employer. Maybe there’s a way to ensure the debt collection agency don’t contact my new employer?? I don’t know? Massively appreciate peoples help here. Thanks, 
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Bryan Carter Summons - **CLAIM STRUCK OFF DUE TO NON COMPLIANCE BY BRYAN CARTER**


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if the case has been struck off by court,,,,does that mean egg bank chase me any more.

or does it mean they can still pursue it, and take me to court again???

 

The case has been thrown out... they dont normally get two bites of the cherry but they can appeal against the decision of the court and comply with the instructions they previosuly ignored. It would be down to a judge to decide whether it was just that they have a 2nd chance when they ignored the court the first time.

 

I would say chances are they wont appeal but there are no guarantees I'm afraid. They have a set time to appeal the decision by the court.. usually 14 days and anything out of that time would make it harder for them still.

 

For now I'd relax and after 14 days I'd relax even more :-D

S.

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its been over 3 weeks now, since then egg has contacted me,asking if i was willing to settle for £1000, if so they need more info work etc

also been informed egg is now owned by barclays

 

Well there is a reason they are offering to settle for 1k on a 6k debt isnt there :-)

 

Did they mention the court case at all, threaten to take you back to court? Who was BC's client? Who was taking you to court

 

S.

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nothing, no mention of anything.

All I know is , got a call out of blue stating, Hi Mr xxxx you offered £1000 as a settlement on so and so date, how soon can you come up with that.

Took my budget sheet details, and said would come back to me.

That was 2 weeks ago

 

the company was DLA Piper

at one stage they were arguing over their costs etc.

 

Also I have notheard from them either.

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Ok, just read back both threads... you know there is something dodgy about the agreement when they pass it around so much :)

 

Basically you have been taken to court for this debt by the then owner... they didnt comply and the case was thrown out.. they missed the normal deadline to appeal and would need to give very very very good reasons to a judge why the claim should be re-instated.

 

So it looks like this debt will continue to be sold and chased by other DCA's basically... but and this is the good part... BC has spoilt the apple cart for all other owners of this debt as its been the subject of a court case.

 

Thats why the debt repayment offer was now suggested and they are agreeable, cos they cant take you to court for it anymore :-) Beware tho that they can still frag up your credit file and phone and chase you but so long as you dont acknowledge the debt in writing or make a repayment it'll go stat barred in 6 years from the last acknowledgement/payment made.

 

If they ring again I would tell them to put anything they have to say in writing as you dont deal with financial matters on the phone... when they write you can send a nice short sweet letter stating its been subject to a court claim which was struck out and therefore they can whistle dixie for the debt.

 

S.

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yep great news here.

 

ell spotted this a year ago.

 

egg and that DCA have really played their last cards there...........basically begging you to pay them.

 

there are lots of debt threads on here where 'discounts' are offerd

 

they all go no-where

 

it'll be a paperwork error or

more than likely

 

unlawful charges and mis-sold ppi issues.

 

if you really want to run salt in their wounds, then start a reclaim for the unlawful fees and interest

and the ppi if you've got it there.

 

and as the debt has been sold, these reclaims will go to you pocket!

 

intersting scenario...

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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No I wouldnt settle it, I'd be happy with them trashing my credit file as I dont wish to use credit again... others may disagree and see the 1k a small price to pay for complete peace of mind but you would need to ensure that they dont sell on the rest of the outstanding balance to someone else and that your payment is received in full and final settlement... also they'll probably mark your credit file as partially settled so it'll look as bad as a default anyway.

 

At the end of the day they had a chance to take you to court and enforce the agreement and get possibly a charging order, they blew it and now whilst the debt may still exist, the chances of them taking you to court have decreased dramatically

 

S.

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they knew from the start they never had a hope of money from you

 

dont let them fleece you now

 

do it to them

get reclaiming...

 

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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