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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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Debt letter received from old employer


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Evening,

 

I am looking for some advice on a letter received by my wife today. Basically, this letter (which i have attempted to attach) states that she is due a previous employer an amount of £493.75 due to administrative error.

 

This letter is completely out of the blue as she was made redundant from them nearly 5 years ago now. My first thought was ignore as I'm aware of a 5 year period in which the debt has to be written off. As you can see from the letter, this states her employment ended on 30 June 2006 which is very close to this 5 year period. However, my wife called them and spoke with an administrator who took a message. Am i right in saying that a telephone call does not constitute proof of receipt of this letter?

 

Although this is not a large amount, I'm more ****ed off at the audacity to claim this money back without warning and after such a long time. She is extremely upset and the fact that she is heavily pregnant has not helped.

 

It's also certainly unrealistic to ask for this amount from her, within 7 days, she has just finished college and has not worked now for over a year. It's also unlikely that she will return to any form of employment any time soon as she obviously has 1 kid to look after and another on the way. The only form of ‘income’ she receives is by way of Child Tax Credits. I use the term income lightly as this is for the benefit of my son and not a large corporate company.

 

I would very much appreciate any advice on this matter. In the meantime, I have instructed her not to answer any calls and certainly not to accept any liability.

 

Kind Regards,

James

 

Debt Letter.jpg

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Hello,

 

Having uploaded this image to Photo Bucket the site informed me i need a minimum of 20 posts to link to pictures. Only alternative i could think of is trying this:

 

swooshmedia.co.uk / ltr.jpg

 

Without the spaces of course. Hope this will suffice!

Debt Letter.jpg

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Cheeky sods

 

i would write back to them stating that you have no knowledge of this debt and demand a full breakdown on how this alleged debt came about

 

also tell them under the civil procedure rules

 

you are entitled to this information before any court/counter claim is issued

 

address this at the top of your letter

 

i do not acknowledge this debt to you or any other company

 

that will give them something to think about

 

in other words

 

prove it

 

SEND RECORDED DELIVERY TO THE SOLICITORS

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Send the letter by recorded delivery and keep a copy for yourselves.

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Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

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My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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Yes after 5 clear years in Scotland hang on for ten days.

Phoning does not restart the clock on acknowledgement in writing or a payment would do that.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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