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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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Letter from CapQuest re Halifax Loan


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I have received the attached letter from Robinson Ways 'solicitors' threatening me with possible court action. What letter do I need to send them in reply?

 

?action=view&current=0cf267af.jpgpencil.png

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Edited by OfW0lfAndMan
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What was the debt, a bit of history would help :-)

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

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Help keep it up and active, helping people like you.

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RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Yes agreed, a very standard pathetic letter these clowns have their computer print off in the hope of conning money off people who owe nothing.

 

Love how they continue to tell debtors to take out more debt and use a credit card to pay off what they claim is owed.

 

Much more info is needed to put this baby to bed....

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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  • 3 months later...

Afternoon all.

Got this from Cr*pQuest today. have to admit I've never seen one like this before. it relates to a Halifax loan which has been in dispute for quite a while now.

 

Thought you'd like a read. I'd like to ask about the statement in the box at the bottom of the letter. How can they say this if they have no power to collect this disputed debt in the UK?

 

http://i5.photobucket.com/albums/y157/jamesthecat/CAG%20letters/d62c84ef.jpg

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depends if they own t he debt or not.

 

however, i've had loads of that letter.

 

safe to ignore

 

its just a phishing trip

 

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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Sounds Like Desparation from Crapquest.

The statement in the box relates to the Juridiction of Courts and the laws appropriate here as opposed in particular in Scotland where prodeures and law vary quite considerably. eg Limitatios 6 years England & Wales 5 years in Scotland nothing dramatic.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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  • 2 weeks later...

I received this letter yesterday. Am I right in sending a CCA request to them?

It relates to a Halifax loan. Can they put theses costs onto the balance of the account?

I have no intention of giving them anything, other than what they deserve that is.

 

http://i5.photobucket.com/albums/y157/jamesthecat/CAG%20letters/c6757224.jpg

Edited by OfW0lfAndMan
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Please remove your name from the letter. It says "Dear Mr XXXXX"

 

This looks like a standard "hello" letter designed to make you think they are applying for a CCJ. Those costs will only get applied of they do.

 

Have you been paying Halifax?

 

A CCA request might be useful - it depends when was the account started - was it before April 2007?

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It is just amother threat, ''look how much more you will have to pay if you don't do as you are told right now''

 

These cost are IF they issue a court claim, get the CCA request done.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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I changed the letter as soon as I realised my name was on it. Will get the CCA letter sent. Honestly can't remember when the loan was originally taken out. No intention of paying anybody anything.

Edited by OfW0lfAndMan
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  • 4 weeks later...

I got this letter today and it's got me worried. Is this allowed, can CapQuest do this? This isn't helping my depression, which I find hard to cpe with at the best of times.

 

:behindsofa::scared:

 

http://i5.photobucket.com/albums/y157/jamesthecat/CAG%20letters/Capquest1310_zps18ae6009.jpg

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  • 3 weeks later...

Further to the above I have received this letter today from CapQuest. This is a loan from the Halifax for which no CCA has been provided, despite me requesting one. It is in serious dispute. Can they do this? I have been unemployed almost 2 months so in no position to be able to make any payment offer. Needless to say this has got me very worried :help:

 

http://i5.photobucket.com/albums/y157/jamesthecat/CAG%20letters/CapQuest01NOV12_zps8c8df873.jpg

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