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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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HSBC remove £900 from my account


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A stark warning if you go into dispute with a bank over a credit card close your accounts and move to a different bank.

 

2 years ago HSBC tried to fob me off with a blank CCA despite sending them the account in dispute letter in Oct 2008 and various other correspondence with their in house collection services Metropolitan and D G solicitors, I finally sent the final response letter to D & G in April 2009.

 

This morning I woke up to find that the money I had saved to take the kids away had vanished.

 

After spending all morning on the phone to various departments and visiting my local branch ended up at a complete impasse with metropolitan.

 

The impasse being:

 

Them: "The agreement you signed allows us to do this"

 

Me: "The agreement you cant prove I signed you mean"

 

after half an hour of this going round in circles I gave up .

 

More fool me for assuming that HSBC would comply with the law.

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Guest Cartaphilus
A stark warning if you go into dispute with a bank over a credit card close your accounts and move to a different bank.

 

I am surprised you didn't do this before. I don't think you will get that money back BTW. I might be wrong but after reading of this with others before now the bank is within their rights to remove the money and do so they will eventually if they cannot recoup it any other way.

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Hi, Iceman.

 

I've changed your thread title.

 

Regards.

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

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Unfortunately, this is a fairly common situation, and is the reason I and others suggest opening a 'parachute' account for your day to day banking as soon as you have a dispute about any account with a bank/building society.

 

You could try the 'appropriation' approach, but it did not work for me. If it can be shown that they have taken your 'living' money to support yourself and family there may be a slim chance of forcing them to repay this money into your account.

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Fair enough Maroon we dont want the avaricious little turds making even more money by suing us do we.

 

A case of caveat emptor I am afraid

 

It was money I had saved from tax credits and disability benefits to take my 2 disabled kids away for a few days as very soon we will cease to be a family unit due to pending separation (dont want to sound like a sob story cos everyone on here has problems)

 

the only consolation is that due to a cock up with a disability benefit if they had only held their greedy little paws back for a few days they could have had another £600...... the back pay goes in on Monday....... and it goes into a joint account which they cant touch

 

 

so every cloud and all that

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I look at it this way - if a company is incapable of keeping safe a piece of paper (which they are legally obliged to keep, IAW Money Laundering Regulations), why would you trust them with money?

Totally agree.

And, if they can't be bothered to read the letter I have sent them, then they can sing and dance as much as they like - they'll get ignored for sending me a copy of a letter they sent a few months ago.

 

I now bank with totally separate institutions that I have my debts (and so called ones:wink:) with. Iceman - it's simple to setup a basic/standard bank account with another bank as a 'parachute' account and it provides you with more flexibility.

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This why I mentioned 'appropriation' in my earlier post.

 

DLA and any 'health/disability' benefits are not legally able to be included as 'disposible' income, so as such I feel you should have a fairly good case of mis-appropriation.

 

I will try and find more information.

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In theory when they saw the money was from tax credits and DLA they shouldn't have taken it. They can't claim they did not know as it appears on the statement who the money is from; can't remeber off hand what it says on tax credits but for DLA the DLA bit of the ref is a dead givaway.

 

Good luck with your fight. Personally as soon as i saw i was getting into trouble i contacted the DWP and had my DLA paid into a new account with a different bank.

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