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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  
    • good idea take some pix and put them in a PDF read UPLOAD dx
    • 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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Cap1 & CCA return


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unfortunately as you know my agreement is almost 100% :(

 

Just sent off for a full sar today so I shall see what turns up

 

Dave

** We would not seek a battle as we are, yet as we are, we say we will not shun it. (Henry V) **

 

see you stand like greyhounds in the slips,

Straining upon the start. The game's afoot:

Follow your spirit; and, upon this charge

Cry 'God for Harry! England and Saint George!'

:D If you think I have helped, informed, or amused you do the clickey scaley thing !! :D

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Below is an excerpt from the oft booklet non cancellable agreements.

it seems as though yours is NON cancellable because you signed on trade premises

rgds

dave

 

 

Thanks Dave, I suspected as much. Looks like I'll have to hit them with a Section 85 claim instead :D

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Hi Everyone,

Have just received Interesting reply to CCA request from Morgan Stanley!

 

http://i172.photobucket.com/albums/w9/Themainman_bucket/CCF01052007_00002.jpg

http://i172.photobucket.com/albums/w9/Themainman_bucket/CCF01052007_00001.jpg

http://i172.photobucket.com/albums/w9/Themainman_bucket/Application.jpg

 

Morgan Stanley are at least of the opinion that a application form is an application form!

The credit card agreement? was on the reverse side of letter supplying new cards for account.

Capitalism is the legitimate racket

of the ruling class.

Al Capone

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Hi Everyone,

Have just received Interesting reply to CCA request from Morgan Stanley!

 

http://i172.photobucket.com/albums/w9/Themainman_bucket/CCF01052007_00002.jpg

http://i172.photobucket.com/albums/w9/Themainman_bucket/CCF01052007_00001.jpg

http://i172.photobucket.com/albums/w9/Themainman_bucket/Application.jpg

 

Morgan Stanley are at least of the opinion that a application form is an application form!

The credit card agreement? was on the reverse side of letter supplying new cards for account.

what year did you take the card out? the credit card agrement bit seems to comply with the 2006 cca. just looked agian yep cca 2006

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This was taken out in 2001, T&C sent are the current ones and the agreement was sent on the reverse side of a new card issue this year, but I am going to look through paper work now as I may still have it and dont remember them on the back!

Capitalism is the legitimate racket

of the ruling class.

Al Capone

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This was taken out in 2001, T&C sent are the current ones and the agreement was sent on the reverse side of a new card issue this year, but I am going to look through paper work now as I may still have it and dont remember them on the back!

 

:D an application is just that not a credit agreement.

 

Originally Posted by ian1969uk viewpost.gif

Following my complaint to Consumer Direct regarding MBNA, I had a call to arrange a meeting with Consumer Advice this Friday. Then today I received a letter from Trading Standards, asking me to send them copies of the correspondence between me and MBNA. I phoned them and asked if I still needed to attend on Friday. Interestingly she said that the appointment on Friday was for advice on where I stood as a consumer, Trading Standards were investigating the criminal matters within the case (her words, not mine).

 

I told her what MBNA had sent me as an agreement and she said that an application form wasn't an agreement and so they were still in default. She also confirmed that her view was that when they had defaulted, they were not allowed to add interest or charges to the account.

 

I've sent all of the letters to her and she said she will be back in touch. I have cancelled Friday's meeting as I don't feel I need the consumer advice, I just want TS to investigate MBNA.

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:D an application is just that not a credit agreement.

 

Apparently not according to MBNA! See my post "6521" above. Apparently an application "serves two purposes, it is an application and a credit agreement".:rolleyes:

 

I am shocked that none of you jumped on my post! I thought there'd be uproar!!! LOL! :o

CLICK ON THE SCALES IF YOU THINK I HAVE HELPED!

 

I AM NOT SCARED ANYMORE!:rolleyes:

 

MBNA - To quote "The Carpenters", We've Only Just Begun..................;):D

HSBC - Settled.

Capital One - S.A.R - (Subject Access Request) issued.

Goldfish - S.A.R - (Subject Access Request) issued.

Tesco - SAR issued.

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Hi Everyone,

Have just received Interesting reply to CCA request from Morgan Stanley!

 

http://i172.photobucket.com/albums/w9/Themainman_bucket/CCF01052007_00002.jpg

http://i172.photobucket.com/albums/w9/Themainman_bucket/CCF01052007_00001.jpg

http://i172.photobucket.com/albums/w9/Themainman_bucket/Application.jpg

 

Morgan Stanley are at least of the opinion that a application form is an application form!

The credit card agreement? was on the reverse side of letter supplying new cards for account.

 

Main, I am about to go into battle with Goldfish/Morgan Stanley. You'll like this people.......I asked for a true copy of my executed agreement (from 1992) and I have taken delivery of.......over the last week :

 

243, YES TWO HUNDRED AND FORTY THREE, copies of a conjectured agreement - current address, current credit limit, current charges, no sig boxes, no sigs and each and every one sequentially numbered.

 

I did post on Addabet's thread, he doesn't know about this update!! LOL!

 

Sorting Office have told me I will have to collect if it continues, I think it is winding down as I only got 40 in this morning's post!!!

 

I thought you were only supposed to have one???!!!!:rolleyes::D

CLICK ON THE SCALES IF YOU THINK I HAVE HELPED!

 

I AM NOT SCARED ANYMORE!:rolleyes:

 

MBNA - To quote "The Carpenters", We've Only Just Begun..................;):D

HSBC - Settled.

Capital One - S.A.R - (Subject Access Request) issued.

Goldfish - S.A.R - (Subject Access Request) issued.

Tesco - SAR issued.

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:lol: @ that Corn...thats funny

Dont Rush - Take Your Time - Dont always take me seriously

:p

 

If you feel i have helped you then click

Here, if you feel i have not helped you then click Here, if you want to complain about this go Here, if you would like bank secrets then go Here.

 

MBNA - Case Charges+PPI+CI+LA+Damages+costs

RBS Credit Card - Case Charges+CI+LA+Costs

Barclays - Case Charges+CI+LA+Damages+costs

Halifax - Case Charges+CI+Damages+costs

Online Finance - Case Charge+CI+Damages+costs

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and the bad backs :lol:

 

LOL! pford and MainMan, the first delivery was 140-odd and I thought somebody had collapsed behind the front door because I couldn't get in without a struggle, the next lot (60-odd), he told me that I would have to collect from the Sorting Office if this continued. This morning, he actually knocked and said he'd been able to manage this lot but putting them through the door was rather time consuming!!!

 

He said "whoever this is, they must like you". Little does he know.......:rolleyes::-D

 

Anybody got any ideas on what to do with 243 copies of Goldfish's "The Facts" leaflet?

 

The Fact is Goldfish.........you've been framed!!!:D

CLICK ON THE SCALES IF YOU THINK I HAVE HELPED!

 

I AM NOT SCARED ANYMORE!:rolleyes:

 

MBNA - To quote "The Carpenters", We've Only Just Begun..................;):D

HSBC - Settled.

Capital One - S.A.R - (Subject Access Request) issued.

Goldfish - S.A.R - (Subject Access Request) issued.

Tesco - SAR issued.

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Well according to the Gospel Of Morgan Stanley an 'application' is an application so our brothers at MBNA better start singing from the same hymn sheet!:D

 

Ah but they won't, because apparently, they are allowed to "convert" a credit card mailer into a "consumer credit agreement". They are obviously regulated by an authority we have no knowledge about!:rolleyes:

CLICK ON THE SCALES IF YOU THINK I HAVE HELPED!

 

I AM NOT SCARED ANYMORE!:rolleyes:

 

MBNA - To quote "The Carpenters", We've Only Just Begun..................;):D

HSBC - Settled.

Capital One - S.A.R - (Subject Access Request) issued.

Goldfish - S.A.R - (Subject Access Request) issued.

Tesco - SAR issued.

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Anybody got any ideas on what to do with 243 copies of Goldfish's "The Facts" leaflet?

 

The Fact is Goldfish.........you've been framed!!!:D

 

 

Any good at origami could make 243 heron ;)

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Hi MAIN...

 

I got EXACTLTY the same docs and the same go away from the same people. Just sent Jude Milner a put up or shut up letter and fired one to moorcroft as well

 

looks were in the same boat so to speak

 

see my thread on

 

http://www.consumeractiongroup.co.uk/forum/general-debt/84285-ccas-dave-against-world.html

 

Dave

** We would not seek a battle as we are, yet as we are, we say we will not shun it. (Henry V) **

 

see you stand like greyhounds in the slips,

Straining upon the start. The game's afoot:

Follow your spirit; and, upon this charge

Cry 'God for Harry! England and Saint George!'

:D If you think I have helped, informed, or amused you do the clickey scaley thing !! :D

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icon1.gif Re: Consumer Credit Act Agreements

Hi MAIN...

 

I got EXACTLY the same docs and the same go away from the same people. Just sent Jude Milner a put up or shut up letter and fired one to moorcroft as well

 

looks were in the same boat so to speak

 

see my thread on

 

CCA's and Dave against the world !!!

 

Cheers will definitely have a look, I am now receiving replies to CCA requests daily for me and the Main Woman (or so she thinks!). Trying also to do as much research as time allows under a paper mountain that Corn would be proud of:lol:

Capitalism is the legitimate racket

of the ruling class.

Al Capone

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icon1.gif Re: Consumer Credit Act Agreements

Hi MAIN...

 

I got EXACTLY the same docs and the same go away from the same people. Just sent Jude Milner a put up or shut up letter and fired one to moorcroft as well

 

looks were in the same boat so to speak

 

see my thread on

 

CCA's and Dave against the world !!!

 

Cheers will definitely have a look, I am now receiving replies to CCA requests daily for me and the Main Woman (or so she thinks!). Trying also to do as much research as time allows under a paper mountain that Corn would be proud of:lol:

 

LOL!!! If you can beat my paper mountain Main, I will gladly hand over my crown. I might just post a picture of the Goldfish stuff, it has to be seen to be believed!!!!:rolleyes:

CLICK ON THE SCALES IF YOU THINK I HAVE HELPED!

 

I AM NOT SCARED ANYMORE!:rolleyes:

 

MBNA - To quote "The Carpenters", We've Only Just Begun..................;):D

HSBC - Settled.

Capital One - S.A.R - (Subject Access Request) issued.

Goldfish - S.A.R - (Subject Access Request) issued.

Tesco - SAR issued.

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Any good at origami could make 243 heron ;)

 

LOFL!!!! Love it!!!:D

CLICK ON THE SCALES IF YOU THINK I HAVE HELPED!

 

I AM NOT SCARED ANYMORE!:rolleyes:

 

MBNA - To quote "The Carpenters", We've Only Just Begun..................;):D

HSBC - Settled.

Capital One - S.A.R - (Subject Access Request) issued.

Goldfish - S.A.R - (Subject Access Request) issued.

Tesco - SAR issued.

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Main, I am about to go into battle with Goldfish/Morgan Stanley. You'll like this people.......I asked for a true copy of my executed agreement (from 1992) and I have taken delivery of.......over the last week :

 

243, YES TWO HUNDRED AND FORTY THREE, copies of a conjectured agreement - current address, current credit limit, current charges, no sig boxes, no sigs and each and every one sequentially numbered.

 

I did post on Addabet's thread, he doesn't know about this update!! LOL!

 

Sorting Office have told me I will have to collect if it continues, I think it is winding down as I only got 40 in this morning's post!!!

 

I thought you were only supposed to have one???!!!!:rolleyes::D

 

 

THAT IS FUNNY!!! I bet your postman loves delivering your mail? :-D

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certainly getting your pounds worth! (assume it doesnt cost them £30 to send a letter after all)

'rise like lions after slumber, in unvanquishable number, shake your chains to the earth like dew, which in sleep had fall'n on you, ye are many, they are few.' Percy Byshse Shelly 1819

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OH MY GOD!!!

 

Methinks MS mst be going into panic mode.

 

I would go out and buy 242 envelopes, put each copy within, address them to MS minus stamps of course and send them all back together.

 

AC

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Letter from MBNA this morning, I think they're on the ropes a little.

 

All the usual blurb about them being right and me being wrong, but they have agreed to refund the remaining penalty charges amount of £550, meaning they have now refunded the full amount of £930.

 

They trust this is the end of the matter.

 

Erm, not really MBNA. There's still the small matter of the interest you've added whilst in default of my S78 request, the application form you expect me to accept as my agreement, the S85 default you are asking me to drop as you sent a credit card mailer, and now we need to get Trading Standard's views on your conduct.

 

The end of the matter? Nah, just the beginning.....

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