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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? There was no inventory when I moved in, I also didn't have to pay a deposit. I've also been told that if I leave before a possession order is given I would be deemed intentionally homeless, is this true? My daughter doesn't live with me, I'd likely have medical priority as I have health issues and I'm on pip etc.      
    • 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?.
    • whats the court claimform for? return of goods order? please complete this:  
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Me vs Student Loan Company


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I have received a default notice from Westcot who have taken over i off my Student loans. I have now written to them using Alanfromderby's excellent CCA letter template and they are now both in default and have commited an offence under the CCA regs by not providing the info within 1 month. They have written saying they have suspended payments while they investigate. I will just sit on my hands with this one.

 

I have a number of other loans with SLC which have never been chased by them but low and behold now i am in communication with Westcot i have a letter from SLC saying i now owe them money. The most recent loan was taken in 1998, 8 years ago, and SLC have never approached me for repayment until July this year when Westcot got involved.

 

Can anyone offer any advice on statute of limitations with these loans.

 

Cheers

Lloyds TSB £395 Decree awarded against TSB

HBOS £750 setted in full

IF £750 Small Claim filed 26/10 - won unconditionally

Barclaycard £110 + Data Protection Act Non compliance Information Commissioners Office complaint. Small Claim filed 12/10 - Won unconditionally

HBOS2 £750 small claim settled in full

MSDW £115 Settled- accepted Full amount unconditionally

HBOS3 £750 Settled in full

HBOS4 £750 Small claim filed for return 15/1/07 No defence filed Decree issued by court

Clydesdale Bank Credit Card £496 small Claim filed 25/10 Court hearing 19/1/07 - continued for 2 weeks

Mrs Claimital's M&S Card £60 LBA sent 12.10 - Full refund & interest accepted by Mrs Claimitall

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I am in a somewhat similar situation to yourself.

From what I can gather, If you took out your loans before 1998 then they are regulated under the CCA.

Although I can not find any hard evidence of this....yet!.

 

Did you defer payment?

 

I dont think there is a limitation on student loans.

 

I was chased by Smith and Lawson DCA (part of the SLC), and then, Legal and Trade after the SLC "claimed" to have not received my deferment forms despite having sent them three applications all on different occasions.

 

It is my belief, in my case, that this is some kind of "method" thay are employing to enable them to default, and attempt collection of the outstanding loans.

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sorry mate didn't show that figure just giving the information thats there so people are aware that chances are thay will take it to court unless thayre seriously in the wrong

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Advice please guys...

I know as the lady told me on the phone on Friday that I have been had for a couple of hundred quid in charges on my Student loans (both pre 98). Confess all for missed payments.. naughty naughty!

They are going to send me a statement of the charges paid on the accounts....

On receiveing this do I then follow the standard process as per recovering of bank charges or am I opening a whole new can of wormies???

My instict is to follow the standard bank charges route?

Help!!!

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Hello mrpennyless!

 

Yes, jut follow the standard proceedure and you will be fine.

 

When you get your charges, set the info out in the form of a table:

 

Date of charge-Reason for charge-Amount-Interest @8% compounded

 

Use this to work out the compounded interest-

 

 

Add the charges+interest together and this figure will be the amount of your tell them you want back.

 

When they've told you to naff off, dont bother arguing, just start your Small Claim.

 

At this stage calculate a further 8% on each claim from the date it was debited, add all these figures up and claim this as your County Court interest, along with your court fee.

 

PM me if you me any help. Good idea to start your own thread so advice doesnt become confused.

 

Ignore mpul's "advice"- its probably a SLC troll.

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