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    • Hi, I am a local authority tenant and was in a 3 bed house. At the end of last year, my last child moved out and so did my spouse as we are now going through a divorce which meant that I was in the house alone and decided that I needed to downsize not only for myself but to offer the property to a family that needed it. I registered on the local authority housing bidding site as i was asked to do and I was accepted and given a priority banding as I was downsizing and they were desperate for my house. I have been extremely lucky and after about 6 weeks was accepted for a new build from a housing association via the housing gateway. I viewed the property 2 weeks ago and had to sign the tenancy last week when they were doing bulk signups for the houses and that is the day I moved. In between viewing and sign up, I contacted my current local authority landlord and asked how I give notice as I had been accepted for a property I had bid on and was moving.  The lady told me how to do it online and then said that I needed to give a full weeks notice which wasnt a problem as I had enough time.  (I was also told a weeks notice was what i would need to give by another staff member about a month ago when I phoned up for another housing related question.  I dont have any of this in writing.) I have now moved, handed back the keys and I am now being told that I need to give 4 weeks notice which I cannot afford. I hav e spoken to the council again explaining that I was told a week and that to be honest, if I knew they were going to charge me 4 weeks I would not have been able to move and would have stayed in the other house.  I thought I was doing the right thing. They said that calls are recorded and they asked me when I called in and was told a week and they would listen to the telephone conversation and if it was correct what I was told, they would see what they could do to reduce the notice period. They have now emailed me back and said that they have listened to the conversation and the lady said 4 weeks notice and I am liable for 4 weeks rent.  Now I may well of misheard her when I thought she said a full weeks notice she may have said 4 weeks notice but I am sure she said a full weeks notice and i was told a week by another member of staff a few weeks ago. I have emailed her back and said that I may of misheard but I would like to listen to the phone recording myself.  As yet they havent responded. I think its unreasonable for them to make me give 4 weeks when I had to sign the new tenancy with little notice or loose the property.  And it was all done through their gateway, and they will have a tenant in there pretty much straight away getting rent from them. I am on a very low income, I am on my own, I have serious medical issues and I am really getting myself stressed out over this. Any advice would be so appreciated.  Can I insist they let me listed to the recording? RH  
    • Susan Crichton is at the Inquiry today. She seems to have trouble remembering a lot of things but seems to find it easier if it's something that shows her in a good light.
    • Send them a letter of claim straightaway. No point hanging around. Given 14 days in the letter of claim and if they haven't paid you by then, issue the claim on day 15. The amount of time is more than adequate for them to get going. Post your draft letter of claim here. A look at. Then log onto the MoneyClaim website and start preparing your claim and post your particulars of claim here for us to have a look at. Don't bluff. No point in it.
    • That's what we thought, but the store manager is inferring that, as the jeweller we used was not a member of the NJA, no one  would give what he said, any credence. The Jeweller we used is in fact, a long established, well respected company, with 2 store and rather than just being a retailer, they craft the most exquisite jewellery inhouse!  I wish my Fiancé would have bought from them rather than H Samuel! Do you think we do need to get another report from and NJA accredited Jeweller ?
    • Really pleased that you won. UKPC know that you have supremacy of contract but still they persist because so many motorists blindly pay them.   Muppets.
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Mbna credit card ,LINK got CCJ & then a Charging Order - now getting charges added.


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Brief history …

 

MBNA credit card into difficulty due to self employed and debt sold to Link Financial who took me to court and won

and was ordered to pay full amount but I then applied for Variation order and was awarded to pay £10 per month .

 

But Link did apply for a charging order and was awarded.

 

Now since my CCJ

I have paid the £10 by postal order and also sent every payment by recorded delivery to the address on the CCJ.

 

After about the 2nd payment I started getting the standard letter saying I had fail to pay as per the CCJ etc

and also constant barrage by phone but talking to these plebs is like talking to a brick wall and informed I had sent and had proof of delivery.

 

However after a lot of arguing it transpired the address on the CCJ was the Caerphilly office and they are not set up to take payment ?????

 

I asked they send me a letter instructing me to make payment to another address other than as stated on the CCJ.

 

I also send them a letter demanding that as of now all correspondence had to be in writing and to stop calling both my land line and my mobile.

 

I also sent them both copy of the postal order and proof of delivery slip and

eventually I received an apologetic letter telling me they would cease to call and all correspondence would now be by letter.

 

Now today I received a statement from Link and find that a charge of £72.00 under AGT (whatever that is)

and £264.00 under CAT (whatever that is ) has been added to my account.

 

Now my query is what the hell are these charges …

and are they not bound by some sort of governing body to make sure you know what the hell is being added … and why are they added.

 

I have proof (as I have already given when they requested ) that all payment where received by recorded delivery before the date.

 

I have sent both a copy of the recent statement and a copy of the Final Response they sent to me telling me that had made a complete balls up lol.

 

Oh and before anybody asks …

. Yes there is PPI going back to when I opened the cerdit card in 2003 lol…

 

. About 5 weeks ago I found some old statements in the attic going back to when I first opened account (self employed )

and showing PPI and received the SAR I sent last week

so need to sort that out soon as I sort these clowns out and I will create a separate thread for the PPI battle lol..

 

If there is PPI does it make the Link CCJ legal and also the Charging order.

 

Is there any point in complaining to who ever they are governed by

and can I now start charging Link for the constant harassment and bad management that means I have to spend a lot of time dealing with this issue.

 

Any help would be appreciated

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look for £12 PENALTY fees too!!

 

unless it SPECIFICALLY mentioned in the judgement box

they can add nothing to the judgement total.

 

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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it does not invalidate the judgements no.

 

unless the total of the ppi+its int

and/or

the additional total of any penalty charges+its int

 

out total the debt the ccj/co was for.

 

then there might be a poss

 

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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