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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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Barclays Loan


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Hey guys just a quick question,

 

My partner has a Barclays loan which she is repaying via a DMP. The current balance is around the £8200 mark and at the rate she's paying on the DMP it'll take her 11 years to repay the amount owed.

 

I recently made a Full and Final on an old debt of mine for £440 to clear a £1500 debt and was quite chuffed :D

 

My question is I currently have a little over £1500 in savings and was wondering if realistically Barclays would accept an offer of this amount in Full and Final to clear her debt? Especially considering that at around £50 per month Barclays will still be receiving payments from her for the next 10 years.

 

I know it's only a small amount but I didn't really want to get in contact with them and embarrass myself if they blatantly refused and jumped up closer to £4-5000 for me then have to tell them I can't afford it and close the door on any chance of an F&F in the near future!

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any reclaiming to do first? PPI/PENALTY charges?

 

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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Hi. no PPI or charges involved,pity, is the DMP direct with Barclays or an outside DMC such as CCCS?

 

In general the best financial settlement deals happen when the Original Creditor has sold the debt to one of the numerous leaches in this market.so how long has the DMP been running?

 

Regards FS

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The DMP is with CCCS and has been running for two years and will still potentially run for another 11.

 

Unfortunately though the debt is still with Barclays and not an outside DCA as I would prefer. Barclays have accepted the low DMP offer and have been receiving a minimal amount for just over two years.

 

It was actually my partner calling Barclays 2 years ago to tell them that she couldn't afford the payment due to losing her job that a Barclays advisor told her to go to CCS go a DMP

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Not the answer you are seeking,from my own experience Barclays have a tendency to hang onto the debts rather then sell them on.This is not engraved in stone however..

 

On the brighter side CCCS have set up a new division for Final Settlements ,it is very new, so to date no track record,however you can ask CCCS without having to commit to anything

 

Regards FS

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Ok guys need some advice on how to follow.

 

I contacted Barclays today as a third party and spoke with the collections dept. they've told me the full balance and the only settlement offer they are willing to listen to is 50% which is just over double of the maximum limit of funds I have to offer. I explained our situation and told them unless they were willing to accept my offer then they will be receiving minimal payments for the next 11-12 years but they still wouldn't budge from 50%

 

So, is this the end of it and that's what I have to raise or does anyone have any tips and tricks on how to get them to budge a little lower?

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there is a reason they are offering 50% i bet

 

pers i'd sar them.

 

and def check they are not upto anything.

 

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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Ok and if I send a sar template request what do I need to look for in the information?

 

The loan was only taken out in Jul 09 and as the debt has never left Barclays I can't imagine they would have "Lost" any information.

 

What exactly will I be able to do with this information when I receive it?

 

Sorry I've never done this before as I've never had a loan of this size and never really had problems getting an acceptable F&F figure on the 3-4 loans I've personally had as I've only had to do this twice.

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to get a copy of all the statements.

 

unless you already have them?

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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time to sar then.

 

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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Ah I see, sorry - 2009. I would continue to pay the £50 then and try again in a year or so or after it has been sold on. Barcalys are now more reasonable to negotiate with than the DCA's in my experience. Make sure the interst remains frozen and try again another time.

 

It's cool, my father in Law just gave me the difference and I've just got back from paying it at the Bank.

 

It's all done now and finished and we are now:

 

DEBT FREE!!!!!!!

 

Woooooohooooooo!!!!!!!!!!!!!!!

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ok well when the sar comes back

the reclaiming will go to your pocket then

 

i really do hope they are going to mark your debt as settled and not PARTIAL settlement

 

else it'll comeback and bite 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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I made sure I received it in writing from Barclays first before I made payment.

 

Told them I wasn't paying a penny unless they did. I have confirmation that they payment was made as well as I went into my bank and got the cashier to make the payment so I could get a receipt for it as well as the transaction on my Bank statement.

 

Just waiting for them to send a letter to confirm payment received and acc closed.

 

Also wrote notes of all dates and times of telephone conversations and full names of persons spoke to.

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