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    • 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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When can I stop paying reliable collections?!


lid
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I have 3 accounts with different catalogues that were passed to Reliable Collections some years ago (about 3)

 

I have recently applied for a complete statement on one of them (now applied for same for the other two)

and after looking at the statement I find that on an original £124.82 debt I have paid £242.03

 

The interest over this time has added up to £163.01 their administration charges amount to £288.00

therefore the orignal debt plus the interest and administration charges add up to £575.83

 

I have paid £242.03 which means that at the moment my balance despite my paying them religiously for the last year amounts to £333.80 still to pay.

 

The interest charges are going up continually and are now more per month than I pay them so I will never pay off this debt no matter how long I pay it for.

 

I believe that the other two accounts are the same story

 

Please can anyone help and please can you put it in easy financial language as I do not understand a lot of what I have read

 

PLEASE HELP ME!

Edited by lid
put in wrong amount of payment
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Maybe a plan to see if the agreements are enforceable hey? I was pestered by RC for months yet the agreement was unsigned and basically crap. Therefore I welcomed legal action and gave them nothing. They set their solicitor on me and after more sabre-rattling and me asking for unfair charges plus interest refund they closed the account. RC like to shout at folks but try shouting back and they get edgy. I reported them to all to OFT and other regulators too. Good luck.

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Sending for a copy of the agreement is fine however you have been paying the company and therefore acknowledge the debt.

 

Lid Welcome..Write to Reliable Collections and simply tell them that you have paid double the amount of the original debt and at the current rate of interest it will never be paid and under these circumstances I intend to stop payments as of (next payment date).Should you find this unacceptable I require a copy of the agreement along with a refund of all of the charges made amounting to£............the matter will also be the subject of a complaint to the FOS Financial Ombudsmen Service.

 

Do all this in writing DO NOT PHONE

 

Regards FS

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I would stop all payments immediately (or just pay a token amount of what you can afford) - then demand a full refund of all interest and charges - if this is not forthcoming then report them to all the authorities.

Sounds to me like they see you as a cashcow and you have simply been taken for a mug by them i'm sorry to say.

At the end of the day they have no legal powers to any money off you - only a court does and after a proper legal process has been gone through(i & e etc..)

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you should NEVER EVER pay a DCA - FULLSTOP

 

they've had you as a cash cow - mugged you blind

 

99% od cat debts are trumped up UNLAWFUL charges

 

because they are taken out by housewives that know no better

than to think it lawful to do this

 

and swallow the threats from the DCA's too

 

THEY HAVE NO LEGAL POWERS

 

stop ALL payment

 

do not speak on the phone about your debts EVER to anyone.

 

there is no law that obliges you to do so

 

fire an SAR off to EACH comany [OC] that hold these accounts

ie

littlewoods

JD williams

shop direct

 

 

then we will get reclaiming.

 

nice windfall coming!

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Thanks to all I had more or less decided to stop paying and will now do so.

 

This company is one of the worst

 

they have in the past phoned me 10 times in two hours and generally made my life hell and it is only to stop their constant phonecalls and letters,

which they charge £12 each for ,

 

yesterday I had three so thats another £36.00 over the three accounts,

that I continued to pay and have been doing so through the CCCS but have now realised just how much I have overpaid and how long , for ever, I would continue to pay.

 

I am awaiting the full statments on the other two accounts from them,

they seem to be dragging their feet, and then I will take it from there.

 

Many thanks for all advice

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Thanks very helpful will stop paying immediatly I have been a mug really! I am waiting for the statments for the other two accounts which I have requested from them and will then take your advice will come back then if I need help on how to progress Many thanks lid

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I dont remember my health has got rather bad over the past few years and as a result I have not been onto of these debts but let the DCA rule me rather than the other way around

Edited by lid
mispelled in original
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