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    • a CCJ does not 'expire' thus does not need any application to a court to 'extend it'. if a CCJ has not been enforced within 6yrs, then it is very unlikely any court would grant such should the claimant return to court, of which the defendant would be advised -( unless they have moved and not informed the court & the claimant such) .  
    • I contacted them when it happened. The caretaker came over, looked at it, and walked off with the tree chunks of mortar. Next morning, they had a roofer come over and enter our garden to inspect it. Friday they were supposed to speak with a scaffolding company. I had to bring up liability and potentially calling the council to report 'an unsafe structure' before they even got moving. They know all about the wedding, the preparations, our patio contractors etc. but their attitude doesn't instill me with confidence. My fear is it will end up being a legal matter which is why I posted here to hopefully receive some advice. As far as I can see, the roof is in a state of disrepair, even if it's just the mortar breaking lose due to the size and weight of the chunks - and even from ground level it's visibly clear that multiple pieces have fallen over time (though never this size so we haven't been able to identify the issue till now - we thought it was rubble left in the garden by the previous owner). Currently, we can't use 25% of our garden due to the risk of more falling mortar which is more than just an inconvenience, we can't proceed with our contractors, and at worst, it will run up in several thousand of extra expenses for us, if we have to find a wedding venue. Even if they do have it fixed in time, and we have to settle for renting a marquee and floor for the marquee and furniture and whatnot it will be additional costs only due to the neighbour's roof.
    • please create your OWN topic by hitting create or + in the top red banner  
    • It will be years before Banks would sell to a debt buyer.  Sometimes Banks will use external debt collectors to try to collect, but generally Banks don't take Court action.  So you could be looking at 3 to 6 years, before any dca owning debt looks to take any Court action. And it is not definite that this would happen. So no need to feel pressured at this stage. In the event you found yourself unemployed, you have time to engage with Banks to advise of your situation and ask for time to deal with the situation, find new employment. As long as you inform the Banks they will offer assistance they can. E.g offer payment holiday or accept reduced payment for period. What you should not do, is not contact the Banks and simply default on payments. 
    • I'd get back to them tomorrow, and explain the circumstances, that you have a wedding reception, and just appeal to their better nature. Hopefully they will be able to move sooner rather than later, especially if you go in in person and speak to them, and show them the issue.
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MKDP LLP ( Trade Pro ) fuel card Debt ?


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thats what i wanted to know

 

we cant do alot now until you receive your SAR back from trade pro

 

you mention the repayments are crippling you

now they have defaulted you i want you to do and income and expenditure sheet

 

list your priority payments first

 

rent

mortage

gas/electric

council tax

food etc

 

then inform mkdp that all you can afford is xyz

cancel your direct debit and set up a standing order to make payments to mkdp

 

you need to start taking control now and not let them bully you

 

a roof over your head comes first, nothing else

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thats what i wanted to know

 

we cant do alot now until you receive your SAR back from trade pro

 

you mention the repayments are crippling you

now they have defaulted you i want you to do and income and expenditure sheet

 

list your priority payments first

 

rent

mortage

gas/electric

council tax

food etc

 

then inform mkdp that all you can afford is xyz

cancel your direct debit and set up a standing order to make payments to mkdp

 

you need to start taking control now and not let them bully you

 

a roof over your head comes first, nothing else

 

I will send off for the sar and the cca this week from trade pro and let you know what they reveal.

 

I didn't have a direct debit or standing order, I have been ringing every month and paying by debit card

 

Thanks for all the advice

 

Phil

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I'll get onto my bank in the morning and get my card changed .

 

 

I will probably need their bank details to set up a standing order , when they call me ( which they haven't yet done )

 

 

I am intend to say I am only going to respond to mail in the future and not phone !! Correct or not ?

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yes

 

all future contact by letter, not by phone

 

when you send the cca request to mkdp, ask for their bank details as you are going to make future payments by standing order

 

and decide an amount you can afford, not what mkdp want you to pay

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i'd use your internet banking site to pay them

 

no need for any DD or SO then.

 

the debt will go up with int whatever you pay them.

 

something smells with this debt....

 

i bet they owe you!!

 

 

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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  • 1 month later...

Hi pistonbroke,

 

 

don'tworry about these lemons,

they tried to get 10 grand out my mate,

and took him to court,

only for them to have not one person in the whole of the organisation to sign a cheque for 600 quid that the court needed for case to go ahead

- as a result the case was vacated by judge,

 

 

I fought for him and half the amount was illegal charges. all went quiet, and then a letter came saying Raven were chasing the amount - incompetant fools - I faxed the court ruling and said go on pal - you have a go, heard nothing since

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