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    • Sorry I didn’t think to come and update this.    So the outcome was that he went to court. Apparently the judge told the landlord off for not sending a letter before action but did nothing about it. He didn’t accept all the damages the landlord claimed, and told him off for accusing my friend of deliberately and maliciously damaging anything, and he awarded him small amounts of the damages he claimed for. The landlord had also made an awful lot of things up that never existed and accused my friend of stealing them, and the judge didn’t accept any of those claims.   However, I’m back asking advice now. So he made an offer of payment via the court forms, sometime before Christmas and straight after the hearing. The landlord didn’t reply so the court accepted the payments.  My friend has been paying the £10 a month each month. Then a couple of days ago he had received a letter from court with a hearing date in a couple of weeks, and a very irate letter from the landlord saying that my friend has consistently lied and that nothing he says should be believed, and that he wants the bailiffs to be called on him and that he absolutely refuses the payment plan. The letter is marked as received by the courts in December and this is the first that’s been sent since then. My friend and his wife are now panicked, what does this mean? And can they now get bailiffs sent round? He earns an ok wage, which somehow the landlord has referred to in his letter, but he equally has a lot of expenditure and can’t afford to pay any more. What will happen at this hearing and can they send out the bailiffs just because the landlord wants them to?    I have no clue what to advise him, can you help at all please?
    • Thanks Bank – I took your cynicism / experience on board and responded thus: Thank you for your response Mr Schnur  I set out my position quite clearly in my letter of claim and nothing has changed. Your insurance requirement is unlawful and is contrary to section 57 of the Consumer Rights Act, and also section 72 of the same statute. I would also refer you to the outcomes in PENCHEV v P2G (225MC852) and SMIRNOVS v P2G (27MC729).  My deadline for action - 1 May 2024 - still stands.
    • The other thing is that you are making a big mistake imagining that they are at all concerned about wasting court costs et cetera. They are only concerned about being obstructive and discouraging others.  
    • I have dad's last will from 2019 which mentions the trust. I am in the process of going through probate as the only thing that needs probate is a couple of shares he has (under £3000).  Speaking to my brother and my dad's wife they wouldn't mind going with another solicitor if we need to pay extra for the trust.   
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RBS credit card debt & wetcloths


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If any payment has been made and it matters

not who paid it or how it was paid the bebt

is not statute barred.

 

Thats what i was thinking but I have phoned credit management of RBS a few times now and they can find nothing on the account. Because there is no trace, the advisor said that it is more than likely written off but the only thing is i have nothing to confirm this.

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The banks don't write off debt to the benefit of the debtor only for their own tax purposes,

that done they sell on the debt for a few pence in the pound.

If you have not already done so check your credit reference file with

Experian and Equifax.

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The banks don't write off debt to the benefit of the debtor only for their own tax purposes,

that done they sell on the debt for a few pence in the pound.

If you have not already done so check your credit reference file with

Experian and Equifax.

 

There is nothing on the Equifax report about the account, rockwell who were the last people to send any letters said theyre last dealings with was in 2008 and it was also sent back to RBS in 2008. I have now contacted them a few times and they can find absolutely nothing about the account.

 

I appreciate the advice though. If you get a chance sometime, could you maybe look at my other thread 'help with a default' it is a pretty long shot but thought it would be nice to know where i stand.

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Yeah, its under credit reference agencies and is titled " help with a default" it was with welcome finance

 

thanks!

 

Been in and made a suggestion.

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  • 4 weeks later...

Best way to find out if Wescott has bought the debt

is to check your credit reference files or have you got

the notice of assignment to hand the wording there should

tell you who owns the debt.

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

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The entry will have a name on it eg., Credit Card fromXXXXXXXX.

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

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Sorry mate, no. I did a basic search, but nothing obvious comes up. In the header or footer of the mail they sent, do they give an address or say something along the lines of, "Security Services is a trading style of xxxxx" or do they give an operating license number?

 

 

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Good morning peeps,spoke again to my credit card people. I asked about who is managing account them or wetcloths. Debt has not been sold but wetcloths are managing on their behalf,(scratch head)

What I want to carify is can I still pay c/card direct, do not want to give DCA a penny.

c/card people said no, any thoughts?

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3 threads merged.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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never ever pay a DCA - END OF!!

 

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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