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    • Its okay - It happens. And this is why DCAs  user every trick in the book to try and make you crack.  Now its time to come back.    Im not sure how to proceed if Im honest if they have issued a Letter Of Claim.  Only as You could complain to Oakbrook and they still proceed with Legal Proceedings, but I dont know if that would help or hinder the legal proceedings if they began down that avenue.  I know a FOS complaint wouldnt stop Legal Action and probably run along side it.  But I guess a judge would view a disputed balance with the original creditor as cause for concern whether the DCA's claim is valid?    A bit of a muddle.     
    • That is superb. To answer your question - Dear Mr Dhaliwal Change the sentence - As our disabilities were ignored and disregarded for the time taken I believe this is discrimination against us ... To - As our disabilities were ignored and disregarded for the time taken I believe this is discrimination against us contrary to the Equality Act 2010. Iceland have always been useless, not only in your case but in others, but I think if they realise they are breaking the law it will encourage them to act. I also think the letter is overlong and you could lose the paragraph - I cannot afford any unfair charges of this kind as I am severely struggling financially. I cannot work and am a carer for my disabled Son who also has a mental and mobility disability. I obviously do not have any disposable income and am in debt with my bills. So its an absolute impossibility for me to pay this incorrect charge - as the main points are made elsewhere.  
    • Hands up in the fact that i have probably F***** *P!!
    • Car Finance Awards celebrates best of the industryView the full article
    • I want to add my 2 cents here...  The purchase of this debt, Perch Group dont absolve themselves of liabilities from the Original Creditor. They should be responsible for dealing with this complaint in response to an Irresponsible Lending dispute.  If the balance is disputed as such in that way - Then they should be referring to the Original Creditor where applicable.    Also if your complaint was written in a way where a template wasnt used or it was rewritten to a similar effect where it wasnt recognisable - Then you probably would have stood a better opportunity at it not getting rebuffed.  To be honest those - Perch and TM Legal are a waste of Oxygen and will say anything to get you to pay.    Ditto on the template. Where did you find it?  Please keep in mind we have to unravel what you have done till now and help build a formal response.     
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      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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landlords solicitors amended lease without permission


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took on a shop with flat over in 2008. business lasted 3 months and has been empty since.

signed a lease agreement for 15 years wit 5 year reviews because the rent was so low for both flat and shop at 6500pa. The landlords solictor's made a mistake in the terms and price. i signed the lease along with a witness on every page.

i refused to pay the rent because the lanlords agent said the rent was 11000pa and not 6500!

 

could the lease be challenged as unenforcable? the lease is not registered with LR

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I'm not an expert, but I would say if you have a 15 year lease which says your rent is 6500, reviewable every five years, then it can't be changed without your consent, at least until the five years are up.

 

Carry on paying the rent at 6500 pa, tell the sols if they want to sue you for the rest, to do so - I doubt they'll get far.

 

I wouldn't have thought the lease is unenforceable tho - you DO have a copy with the 6500 figure?

And you haven't signed any further agreement to vary the rent?

 

Alternatively, if you prefer to get out of the lease altogether, then write a letter to the sols saying:

My lease states 6500pa rent - if you want 11k pa rent, then I would be agreeable to terminating my lease early to allow you re-lease to someone else.

You could ask the sols to buy you out for a reasonable amount (say 6 months rent) if you feel cheeky

Carpe Jugulum

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Its a bit worrying that the lease is not registered at the Land Registry, do you know why this is ? This may cause a problem as it would be hard for either side to prove the original copy.

 

I was in similar sitaution regarding my leasehold flat, the lease stated £30 annual ground rent but i was always charged £75. The lease can only be changed by a Deed Of variation signed by both parties, in my case there was a deed but it did not contain the clause increasing the ground rent.

 

I eventually started a court case and won, the landlord admitted he was wrong to charge £75.

 

I obtained the Deed direct from the Land Registry to prove I was right (the landlord had a version that said the ground rent was £75, mine (and the copy held at LR) said £30.

 

I cant see how the lease can be enforceable, it is enforceable when signed by both parties and the terms within (i.e if it say you pay £6500, then that is what you pay).

 

Andy

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