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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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lloyds claimform - old tsb debt - Lost Case - agreed variation order - but DCa's keep still chasing to up agreed payments


Dorabell
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Hi, Dora allow time for Bank Hollidays.

Post is very slow at the mo, My car insurance

certificate is due and the insurer stated that

Royl Mail has told the company that their franked

mail will now take 7-10 days to be delivered.

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Cag library non compliance I think.

Although a simple reminder stating

date sent and time elapsed is a s good

and send to the data controller recorded

delivery.

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!

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  • 3 months later...

4 threads on the same debt merged for history

 

please keep to one thread per debt

 

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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  • 2 years later...

hi all

i need your advice on this again

i thought this had been finished with

im baffled just received in the post

here goes

dearxxxx

lloyds bank plc v yourself

claim number xxxx

judgement balance xx

We write to advise that gj cooper now acts on behalf of lloyds bank plc part of lloyds banking group in place of p simmons SMC solicitors

We enclose notice of change of solicitors for your reference 

The court has been notified of the change

We will contact you further with regard to the above mentioned court proceedings as appropriate

if you have any queries in relation to this claim please contact this office legal recoveries gl cooper

on the next letter

here goes

notice of change of legal representative

in the xxx court claim number xxx

name of defendant xxxx

note you should tix box a. b. c

they have tick box b, and c

....................

can they take me to court again for this claim im baffled

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I'm as baffled as you are Dora!!

I don't think we ever discovered if there was an earlier claim ?

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!

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dora hi

haven't read thru all thread. but, remind, there was a ccj, you've been paying it (and still are) as per an instalment order. they applied for a CO, that was refused?

since then, you now have had a notice of change of sol.

do you mean scm sols?

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yes they won the ccj still paying instalments order yes had a notice of change yes scm now gj cooper solicitors thanks for looking

ok

loyds scm sols went defunct awhile ago. (loyds got into a bit of trouble (as usual) for using scm template letters when scm as such didnt actually exist anymore). so, maybe it is just a formality re that.

otherwise, they may be looking to apply again for a co, or vary the inst. order? if so though, you wld get notice of any such application.

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hi

see post #522. prob just a formality then.

nothing for you to do.

(re my prior post, actually i dont think they wld be able to reapply for a CO on the same matter things being the same?)

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  • 1 year later...

hi all need a little bit of advice again on this above

received a letter supposed to be from lloyds bank saying they have passed this account on to Moorcroft

this was taken to court in sept 2009 which they won

i have been paying instalments ever since and asking for the full amount can they do this?

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nope ignore moorcrap totally

they don't own the debt

and are a powerless DCA.

 

 

lots of Lloyds customers in the same boat as you have had the same letter.

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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I did not think they could sell a court debt. Though rules may have changed that they an do. They should have been made aware of the court order so don't bother to do anything carry on playing who the courts have ordered you to and how much you have been ordered to. Unless you receive a court order that says to pay Moorcroft then don't.

If they start harassing you tell them in no uncertain terms they are to go away as the courts have ordered you pay Lloyds at XXX a month and you will continue to follow the courts orders. If you do tell them they will deny any knowledge of the court order as Lloyds did not tell them. I no this might smell like BS but they will try anything if even once.

On and to make you laugh the local Moorcroft agent came banging on my door for the dead ex resident and told me l would be arrested for obstructing him if l did not go get my dad. I laughed at him and treated him to a lesson in the law. I had been sending all letters back to the people who right to the ex resident

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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