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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.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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Statutory Demand HELP!!!


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Its B W legal not dw. He is putting it all in writing. He is sending me a standing order mandate and an income and expenditure form for me to fill in. Do I still contest this then? And what happens if I dont?

 

Sorry for all questions but I really appreciate the help Ive had so far.

 

Wait for the letter and post back. They have not served the SD yet and they might not. The debt is fairly recent, so making token payment based on affordability, is not a bad idea and make sure it is a standard order you arrange, NOT a DD. If they do serve a SD, then get it set aside, as that will stop them proceeding with a bankruptcy petition in future, if there was a payment muck up e.g your bank could not pay the standing order.

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By having the STAT Demand hanging over you they could potentially petition for bankruptcy at anytime

 

You have fallen hook line and sinker for them. So you need to apply ASAP to get it set aside, other people on here can help you with that. You will seriously regret leaving it and believing them, i have had many years of experience of dealing with the likes of lowells, robersway etc etc

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Wait for the letter and post back. They have not served the SD yet and they might not. The debt is fairly recent, so making token payment based on affordability, is not a bad idea and make sure it is a standard order you arrange, NOT a DD. If they do serve a SD, then get it set aside, as that will stop them proceeding with a bankruptcy petition in future, if there was a payment muck up e.g your bank could not pay the standing order.

 

Thanks I will wait for their letter, and see if SD arrives tuesday.

 

I will go for set aside anyway I think, but what would be my reasons to get it set aside?

 

Thanks

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Well, let’s see if they serve it first...

 

But what about all the excess charges on the account? Don’t agree how much you owe with this idiot – you said yourself that you’d disputed the amounts.

 

You are getting very confused and accepting a situation you maybe don’t have to.

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yes your right im very confused. I was hoping to sort it out. Well they accepted the repayment plan and payment I made, surely thats in my favour, and If they DO serve SD, then I have "secured" The demand by agreeing to pay by installments.??

 

Also, I paniced myself into trying to sort it out. :sad:

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But you have agreed to an amount that you probably don’t owe, and you have no proof they even own the account! Would you pay me money if I asked for it with menaces?

 

If they still serve the SD, it merely proves they are telling you lies. And that their intention is to litigate anyway. Paying a couple of pounds might not change that – you have simply acknowledged a debt to them, unfortunately.

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Im concerned about the "standing order mandate" form. There is no such thing. You must follow the instructions given here as they are conning you all over the shop.

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

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Sorry mine was BW legal too ..they are solicitors ..and would not of brought the debt..they are just collecting for Lowells

 

Hi Babydoll, just read your thread, how have you got on with the SD you recieved?

 

BW legal want an I and E from me too, also proof of income etc. Well they wont be getting anything, as for bank statements etc all have my husbands name on too, and due to data protection..............................................debts in my name nothing to do with him..

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Hi

 

It wasnt a SD for me but was my OH..He had already offered to pay Lowells 4 years ago at £5 a mth ..they totally ignored..Left it and left it ..then got BW legal involved..they wanted I and E ETC of OH,, I told them that there wasnt no legal requirement to give that info, unless a court judge asked for it ..peached them the law from things I have got off this great site..Set up a standing Order ..and not heard a word since ;)

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