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    • Please see my comments on your post in red
    • 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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      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
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Lowell or Red Debt Collection


Oscar71
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Just thought I'd add my 2pence worth on this one.

 

I'm in the middle of a dispute with Lowell also as we speak regarding an old Shop Direct account. They defaulted on a formal CCA request yesterday and have little or no confidence that they will be able to provide one.

 

Their complaints resolution email is complaintsresolution at lowellgroup.co.uk, and they do respond to emails directed there quite rapidly too

 

Good luck ;)

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Hi Oscar71, I agree with unclebulgaria, I feel its always better to write your own letter of complaint as that way you get the personal points across, there really is no point in relying on template letters as it just makes you look like a scratter that has no idea what they are doing. I had a complaint with lowell a while back over a debt that they were pushing through court and I found by speaking (well I mean streching the truth) with their complaint resolution manager called james that the court proceedings stopped, it might be worth your while giving it a go.

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Be very careful with that advice from debtfreeme.

if they say they will stop court proceedings, you MUST get it in writing, plus confirmation from the court. DO NOT believe lowells, if they simply say it over the phone as they have a history of lying to try and gain a judgement by default.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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I had a complaint with lowell a while back over a debt that they were pushing through court and I found by speaking (well I mean streching the truth) with their complaint resolution manager called james that the court proceedings stopped,
:flypig::flypig::flypig:

Illegitimi non carborundum

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You should always get written confirmation anyway. Regardless of who the creditor or claimant is.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Ok another quick question for you all :roll:

 

I am about to send a CCA request letter, but I am not sure if it really applicable and if it is under which section this falls.

 

s.77 = fixed sum loan agreements.

s.78 = running credit (credit cards).

 

This debt is supposedly to do with an unsecured overdraft on a standard current account. My (confused) logic tells me that this supposed debt doesn't fit in either so a CCA is futile.

 

Any ideas folks?

 

Thanks in advance

Oscar

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Correct a CCA won't be any use for an overdraft, this will be filled with charges and fees which you can reclaim.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Cheers Bazooka Boo

 

Not sure I want to get into the hassle of reclaiming.. I just want to get lowells off my case.

 

Not sure where to go now, they haven't responded to my "prove it" letter and now threatening to send someone round. Not this bothers or scares me, I just don't need that hassle especially as I work from home and my clients wouldn't really appreciate me telling some debt monkey where to go :wink:

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reclaiming isnt really any hassle at all and it could easily put money in your pocket.

 

If they havent responded to your prove it letter, and they are harassing you, write another letter telling them that since they never answered your letter, the entire alleged account is in dispute and formal complaints are now being made with the regulators.

 

Make sure to tell them in no uncertain terms that you deny any and all liability for any monies owing to them or any of their business partners/associates.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Cheers Bazooka Boo

 

Not sure I want to get into the hassle of reclaiming.. I just want to get lowells off my case.

 

Not sure where to go now, they haven't responded to my "prove it" letter and now threatening to send someone round. Not this bothers or scares me, I just don't need that hassle especially as I work from home and my clients wouldn't really appreciate me telling some debt monkey where to go :wink:

 

Just send them the "no doorstep caller letter"

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I have now put a letter together stating the alleged debt is in dispute, I am making official complaints and I included a bit about no doorstep calling. I also included bits about phone calls and texts being logged to add to my complaints.

 

Had enough of these muppets now so it's gloves off! :-x:mad2:

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