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    • I've spoken with a number of others who have confirmed their issues MUST be from new leaks from lyca, not the october '23 leak. That the regulator is NOT on this is shameful  
    • We dont expect a minimum in donation - Anything you can offer helps us to run the site and keep it free for others in need similar to you.  The fact that you have is amazing! ❤️ thank you so much! 
    • I absolutely will, I cannot thank you all enough for always being on hand with sound advice. I couldn't have done any of this without you, genuinely.  I cannot afford to donate much right now, so please do not think the amount I have donated is in any way reflective of what I feel is right because it isn't. I don't have a million pounds to donate right now, nor will I ever most probably, but I do promise that when I am back on my feet a bit more, I will donate again x
    • Sorry - Spoke to soon...    So great news!  - They should remove it in 28 days. Hopefully it should be enough to ward off any further issues with account closure etc  What you need to do is keep this letter and use it should any further account be closed from this further point. You can actually challenge it and provide the evidence - Should give the provider course to reconsider. May even beable to take it to your old bank etc     Also ask for confirmation from MCB that they will not be placing another CIFAS marker going forward to cover all bases.    Also one more thing,  - Please consider a donation when you get a chance Glad we could have been some help  
    • There has been a development Submitted the N225 application yesterday.   MCOL now states: A Bar has been put in place?? (Take it that means cannot enforce judgement) A defence has been filed with the court This has all happened on the 34 day, so a day late the defendant's submission.??? Options???   Please note that the defendant can still reply to your claim until the court has processed your request. If the defendant’s reply is late but arrives before or even on the same day as your request, it will have priority.  
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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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HSBC/DLC/Ruthbridge


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Hi, I have just received a threatogram from our friends Ruthbridge Limited, this appears to relate to an old joint current account that my ex has included in an IVA. I have made no acknowledgement or payment for over 2 years.

 

Ruthbridge Letter 190911.pdf

 

This was allegedly sold by HSBC to the Hillesden empire in 2009 although the letter purporting to come from HSBC did not have an account number and had the Hillesden reference on it.

 

Any advice as to how to proceed?

 

Many thanks

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You could ignore it totally - Jason and Julia are unlikely to come up with documentation to back up their claims. But you could challenge them to prove they have the necessary documentation and if they can't come up with the goods they should sling their hook. I'd still go for the first option!

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And if they were to go ahead and try and bankrupt you there is every likeiihood they would end up with nothing at all as there would be other (secured) debtors in the queue ahead of them. And of course they can't get what you ain't got. And all this after they go to the expense of bringing the claim. Total idiots.

 

Is Marcus the new teaboy?

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