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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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      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.
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1st Credit


AceDaz69
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Hi

 

I received a letter today at my works address saying that 1st Credit are attempting to contact NAME

 

If you are the person then ring us for more info

 

If you are not then please ring so we can correct our records

 

If we do not here from you within 10 days of issue then we will assume that you are the individual we wish to contact and will of course ensure that all relevant corespondance is sent to you

 

 

Any ideas what to do?

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Hi, if it was addressed to your work place

that is totally wrong and breaches Office

of Fair Trading Guidance, if there is a return

address on the back of the envelope reseal

it and return it to them with out any

more comment.

The whole thing breaches the guidance rules

especially as some companies open all mail,

this could be very embarrassing.

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

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Should I write anything on it apart from their address?

 

Hi, if it was addressed to your work place

that is totally wrong and breaches Office

of Fair Trading Guidance, if there is a return

address on the back of the envelope reseal

it and return it to them with out any

more comment.

The whole thing breaches the guidance rules

especially as some companies open all mail,

this could be very embarrassing.

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Its not going to get postmarked in the usual

way I think, I doubt it matters where it's posted.

So just the return address with a large ?

Brig.

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

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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I've also had a email off them sent to my personal email address asking me to ring a number or reply to the email.

 

I'm confused where they got my works address from, there has only been one thing that went to my works email and though I have been complaining to that company - more about not collecting things, I have never missed a payment as it's paid by Direct Debit that always gets paid.

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OFT Guidance July 2003 updated December 2006

Sect. 2.2 © contacting debtors, not making it clear

who they are, who they work for,what their roll is,

and the purpose of the contact is. ALL this is unfair.

Sect.2.1 (g) Disregarding a debtors legitimate wishes

in respect of when and where to contact them.

Sect 2.6 (j) Acting in a way likely to be embarrassing

to the debtor, contacting at work.

 

Might help if you complain to the OFT and in a letter

to the DCA

 

Brig.

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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Do you have any debts with Halifax? They've recently bought a bundle of them.

Ununusual to approach your work first...have you moved house? Nonetheless they should not take this approach.

They will usually write again if they hear nothing, I'm afraid... Ist Cred are very persistant.

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An AQUA Credit Card, which i believe is part of Halifax. But this is not in arrears at all, i don't use it much and the Direct Debit is paid on time. I spoke to them last month and everything was fine.

 

Have they bought from anywhere else?

 

What are they like at dealing with / Agreeing a payment plan or a F and F agreement?

 

I haven't heard of anything that has been passed on from any of my creditors.

 

 

Do you have any debts with Halifax? They've recently bought a bundle of them.

Ununusual to approach your work first...have you moved house? Nonetheless they should not take this approach.

They will usually write again if they hear nothing, I'm afraid... Ist Cred are very persistant.

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Oh and not moved house for nearly 5 years lol.

 

Do you have any debts with Halifax? They've recently bought a bundle of them.

Ununusual to approach your work first...have you moved house? Nonetheless they should not take this approach.

They will usually write again if they hear nothing, I'm afraid... Ist Cred are very persistant.

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No doubt they will have bought from other companies..but the HBos portfolio was a recent big purchase. Odd because the were censured by the OFT last year for using Stat Demands willy nilly as debt enforcement tools...and Halifax withdrew their account at that time.

 

This may also be mistaken identity of course. Do a Google on your name.

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Be interesting when they start sending info. I'd like to know.

 

But won't they continue to send at my works address !? Lol

 

No doubt they will have bought from other companies..but the HBos portfolio was a recent big purchase. Odd because the were censured by the OFT last year for using Stat Demands willy nilly as debt enforcement tools...and Halifax withdrew their account at that time.

 

This may also be mistaken identity of course. Do a Google on your name.

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You have the right to insist

that they stop contacting you

at work, only contact you in writing

no phone calls,e-mails or texts.

Put it all in a formal complain

with the extracts from the OFT

guidance and send it to their

Compliance Manager.

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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Probably. Its your call whether to tough it out and ignore (depending how embarrassing or difficult it is to get them at work) and see what they come up with next, or take the bull by the horns, write and play hell, saying you have no idea why they are trying to contact you, and can only assume that they have got the wrong person, but that you have taken advice and it is clearly against OFT guidelines to contact anyone at their place of work without their express permission and you will be reporting their actions to The Office of Fair Trading /Trading Standards.

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Hi Elsa, I pulled a few relevant

sections out earlier, I have to

type then in as I just can't get

links to work or docs to upload

or attached.

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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Thanks Elsa, it could be just me from

the quill pen and parchment era,

or that my position means that someone

else has always been around to sort

things out.

I will give all a try tomorrow, thank you

for your advice: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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  • 2 weeks later...

Found out who it is for, a credit card which have been difficult to deal with and finally started ignoring my letters. Last one I sent was a few months ago for a copy of a phone call back in February which pointed out they were in the wrong. Needless to say they ignored this request.

 

I have been getting phone calls at home & mobile and have had 3 texts off them on my mobile.

 

They have sent a letter, again, to my works address stating what it is for and that they demand me to contact them to arrange payment.

 

What's the next step?

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