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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  
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    • 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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Received letter from Bryan Carter Solicitors


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Hello, firstly i am going to apologise for the following post, as i dont really have any law know how, im a total beginner.

 

Basically, i had a credit card with HSBC in 2005/2006. I went over the overdraft limit (£3200) and couldnt keep up with the repayments. They then passed the debt onto Fredrickson, and again couldnt keep up with payments. According to my report on experian, it defaulted on 14/06/2007.

 

Over the next few years, i didnt really hear much from them. the odd letter here and there. Then they passed the debt to Phoenix Recoveries Limited. Again, i hardly heard from them.

 

Then, out of the blue, i received a letter last month (mid-June) from a Bryan Carter demanding full payment for their "client" Phoenix Recoveries. After reading online about them, i decided to wait it out and see what their next step was.

 

This morning i received another letter from them...

 

Dear Mr .....

 

As you have failed to make repayments on the above account we have now issued litigation proceedings in the county court. You will recieve the claim form in the next 48 hours direct from the Court.

 

You can telephone 0843 3133128 to discuss this matter.

 

If judgment is entered against you and remains unsatisfied it will remain on the judgment register for six years and you may have difficulties obtaining further credit.

 

Im not sure what my next step should be here.

 

One note of interest is, according to experian, when the debt was defaulted, i owed £3354. According to this letter i got today, the balance is £3658.80?

 

please can anyone help? thank you

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A little confused here you say it's a credit card account and mention an overdraft limit,

the two have different regulation, please gives us some more information.

1, When was the last payment made to the account.

2, When was the last acknowledgement in writing made by you.

3, When did you last check your credit files?

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

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I Yes, sorry about that i got a little confused for a sec between overdraft and credit card limit lol. The limit was £3200.

 

1. cant remember the last payment but it has been a few years...around 2007

2. I havent made any ackowledgments in writing to them

3. I checked my credit on experian, yesterday.

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OK check the other 2 CRA's call credit and Equifax on the free trial to be sure.

All you need to do is a minimal defence that you don't have sufficient information to construct

a defence, and SAR the OC

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

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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  • 1 month later...
OK check the other 2 CRA's call credit and Equifax on the free trial to be sure.

All you need to do is a minimal defence that you don't have sufficient information to construct

a defence, and SAR the OC

 

Hi there,

Just wondering what "SAR the OC" means? Im trying to learn fast :)

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Hi ims, I've had all day to spare for a change

but spent most of tying down the garden furniture

and a large gas BBQ against one hell of a gale.:madgrin:

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

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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