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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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Apex Credit Management - strange reply to CCA request. ** SUCCESSFUL OUTCOME **


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Hi thanks to all for help up to this point:

 

Santander finally replied to the Dsar. Plus we've had another letter from Clarity.

 

To recap an Amazon payment of 10.07 made on my (now wife's) old account, placing her £10.04 in "debt." Letters were sent to her old address. When she realised what had happened she paid in the 10.07, yet Santander are demanding a ludicrous £579.97.

 

Any advice?

 

 

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Hi Thanks for the reply. what and how would I charge? Is there no way I can contest the punitive Santander fees? It all seems so unfair and unreasonable and they've been hassling us for two years off and on...

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The first thing to do is write to 'Clarity' and tell them not to visit, correspondence in writing ONLY! They cannot visit randomly, only with an appointment should you agree but I would TELL them this option is not open to them and you will report them should they keep threatening a visit. Don't pay these bottom suckers a penny. SUN TAN DERRR are the only one's you should be corresponding with with regards to a settlement. I'd offer the £20 OD payment and that's it, they can sing for the rest. Tell Sun Tan Derrr as a customer/ former customer they have a duty of care and are not to hassle you with unreasonable demands. Let them know it's YOU who controls YOUR money, not them. Offer what you think is reasonable to YOU, not them!!! If they went to court, a Judge will consider this. Take control, you control the game play, not them Bottom Suckers and Banksters who created most of the financial mess we are in.

 

I've had no wage increase for nearly five years, I let these suckers know about it and I dictate to them! Take control, don't be scared - it's only money and you'll feel more confident when YOU take control of the matter.

The Banksta Buster.

:-x :-x

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Thanks, yeah I'll certainly be writing to Clarity and banning them from any "visits." I'm not scared by this - I'm just looking for some clarification on the position of legally challenging unreasonable levels of punitive bank charges and how to go about it.

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What is showing on your wife's credit report for this?

 

If the balance is almost wholly comprised of charges, then you should complain about this to the bank and then take them to the FOS. It's unlikely that this will go to court in my opinion but there is a danger that Santander will trash your wife's credit report.

 

I hate to say it but this goes to show that whilst all banks are bad, Santander are the spawn of Satan.

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Hi Seminole,

Thanks for the reply. Haven't had a look at her credit report - will ask. Santander seem truly evil! We'd never touch them with a bargepole again... So My best bet is to write to Clarity informing them that I've contacted Santander about the matter and warn them not to do doorstep/phone contact? Then Santander I write and complain and make an offer to pay a nominal charge (first one perhaps). The balance is 100% charges and that's just ridiculous.

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Others may have a different view but the only amount I would pay to Santander is the amount by which the account went overdrawn. I absolutely would not pay any bank charges and challenge them to take me to court but then again I have history with these clowns

 

:mad2:

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I was considering making some form of nominal offer so that if it did go to court I(she)'d been deemed to have made reasonable efforts to settle the dispute... More inclined to go with your approach though. The 10.07 was paid back to them pretty smartly yet they went on adding charges to their charges for being overdrawn (and she was only overdrawn because they'd charged her for being overdrawn!) . When she told them she was so disgusted she was leaving the bank they cared even less and passed it over to Apex, now Clarity. They didn't bother with the first dsar request.. lost the proof of postage, sent another, they replied with mini-bank statements after about 45 days. I'm beginning to see why they make you see red!:-x

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  • 4 weeks later...

Thanks to everyone who has chipped in with advice for this "debt." After using the DSAR to prove that the original £10 owed had been repaid and that the £579.97 being demanded was made up wholly of bank charges I wrote a complaint letter to Santander threatening to report them to the financial Ombudsman if they didn't cancel their claim and close the account.

 

Amazingly - they agreed to do just that as a "gesture of goodwill"

 

WIN :whoo:

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Oh well done. You must be very relieved this is now over and done with.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Thanks very much Citizen B! Yes great relief as they hassled us no end via a range of DCAs over two years - Very pleased to be rid of them and as ever it's all down to great advice from CAG :-D

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I will amend your thread title to reflect your success story :)

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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