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    • Yes, my initial view is that @unclebulgaria67 is probably right and that because it was a magistrate's warrant, it would be the energy company that would have been in control of the situation directly. Unfortunately this will be much more difficult to deal with then dealing directly with Marston but anyway if you give us your details as requested, we can at least get Outlook from that direction as well. I'm also wondering about the position of your landlord in this. As you have taken up a tenancy in a particular property then I would have thought that one of the terms of the tenancy would be that you should be entitled to quiet enjoyment. Although the landlord may say that it is not their fault and it is down to the previous tenant, at the end of the day you have a contract with the landlord who has certain responsibilities. I think we may consider involving the landlord in this as well. You say that there have been letters addressed to the previous tenant. What have you done with those?
    • Yes please. We have certain direct access to Marston and we may be able to get someone to look at this at a senior level. Please email us as requested with your own contact details and name of previous tenant.   We can't guarantee any particular result but we can promise you that it will be looked at.
    • they say in letter dated 20/01/20 that the agreement was terminated on 30 July 2017 and cannot be terminated twice, so your VT request is invalid. startline issued termination or Default notices on the following dates: letter: 30/03/2017 termination notice  liable for payment: arreaers to date : £365.38 the balance of: £10,586.50 total: £10,951.88 7 days notice else ROG+sums outstanding. ....................... Letter: 11/12/2017 Default Notice nature of breach: instalments of £211.73 due 30th each month. action to remedy: payment of arrears £449.23 by 30-12-17 other info: payments to date: £5226.91 outstanding: £9351.89 less rebate: £2251.41 Amount Due: £7100.48 if you act before 30-12-17 and have paid £7056.90 you can VT. ............ Letter: 27-07-2018 Default Notice refs a dn dated:31/05/2016 - there is no such DN in an SAR return. nature of breach: instalments of £211.73 on 30th each month. action to remedy: payment of arrears £226.73 by 15-08-2018 other info: on or after date 27-07-2018 we shall terminate,withdraw possesion and recoversums due upon termination. total paid: £6250.91 outstanding: £7647.28 less rebate: £1590.47 Amount Due: £6065.81 if you act before 15-08-18 and have paid £7056.90 you can VT. ........................  letter: 01-10-2018 termination notice  liable for payment: arreaers to date : £325.06 the balance of: £6079.75 total: £6404.81 7 days notice else ROG+sums outstanding. ……………………...     NEW ORDER STATEMENTS.pdf Doc1.pdf
    • thank you.   have you had issues paying credit before you took any of these out?   i'e were you keeping a good handle upon your credit file and it wasn't shot with any defaults or payment markers during the period when you applied and were successful in getting any of this additional credit?   my thoughts are ...should the above not be the case and your credit worthiness was good... so couldn't p'haps introduce some irresponsible lending complaints in association to them … it might be an idea to give all your creditors the heads up that times are hard and you wish them to help you, as they are duty bound to do, by freezing interest and any penalty fees to allow you to ride out this present financial hardship till things improve ...   how does that sound...   dx  
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sjm1963

DLC threats of charging order

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Hello,

I'm so worried and slept very little last night

 

DLC bought the debt I had with MBNA,

and along with lots of other creditors

 

I have been paying a fixed amount each month and never missed a payment,

 

they called me last night wanting to take my £5.00 a month to 1 percent of the balance which would make a payment of £85, I

 

told them that I have little to money left at the end of the day and am paying off 11 other creditors,

 

they say they will now go and get a charging order and force the sale of my home,

at my age I will never get another mortage,

I feel sick to my stomach.

 

Any advice would be greatly recieved

 

I have called the old CCCS and they have made an appointment for me to speak to someone in regards to a possible IVA

as I have been juggling all this debt for two years and am shatterd by it and the late nights calls.:|

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Hello and welcome to CAG. I'm sorry to hear about your problems and hope the guys will be able to help you.

 

I'll move this thread to the debt collection forum and leave you a short term redirect here.

 

My best, HB


Illegitimi non carborundum

 

 

 

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just a quicky befor i have to go .

 

stay off the phone you do not have to talk to them it is well known that they will lie and cheat you on the phone

tell them to put it all in writing and hang up.

they will not put in a letter that they will make you sell your home as that is a lie. all they want is more money be strong and tell them NO and I WRITING ONLY.

 

more people will be along later as alot of us on here have day jobs. just sit back relax and have a cup of tea please.


PHOTOBUCKET TUTORIAL IS NOW DONE HERE IT IS

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Hello, I'm so worried and slept very little last night DLC bought the debt I had with MBNA, and along with lots of other creditors I have been paying a fixed amount each month and never missed a payment, they called me last night wanting to take my £5.00 a month to 1 percent of the balance which would make a payment of £85, I told them that I have little to money left at the end of the day and am paying off 11 other creditors, they say they will now go and get a charging order and force the sale of my home, at my age I will never get another mortage, I feel sick to my stomach. Any advice would be greatly recieved I have called the old CCCS and they have made an appointment for me to speak to someone in regards to a possible IVA as I have been juggling all this debt for two years and am shatterd by it and the late nights calls.:|

 

I suspect if this is a first letter from DLC, it is simply cage rattling.. "see how big and powerful we are.. we can absolutely wreck your christmas" !!

 

If they purchased a debt with a repayment plan in place then that is their fault.

 

http://www.consumeractiongroup.co.uk/forum/content.php?840-Stop-your-bank-or-lender-breaching-their-instalment-agreement


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Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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You must stay off the phone - insist on them putting everything in writing - they will very much tone down.


Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -

HERE

2: Take back control of your finances -

Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors?

Read Here

4: Staying Calm About Debt

Read Here

5: Forum rules - These have been updated -

Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

 

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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You have to laugh at their blatant lies and psychological intimidation when these clowns talk to debtors over the phone, if only you had all that ridiculous puerile nonsense recorded then the OFT would be very interested to hear that.

 

As has already been said, NEVER discuss your financial matters over the phone, especially when it comes to these silly little children, if they ring in the future laugh and hang up, if they persist, all you have to say is "everything in writing" then laugh and hangup.

Edited by Bazooka Boo

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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How old is this debt please?


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can you please list all your debt & who you are paying

 

might be an idea to get your CRA file too

 

lets see the REAL picture

 

as for DLC

 

STAY OFF THAT PHONE!!

 

DCA's are NOT BAILIFFS

and have NO such LEGAL POWERS.

 

dx


..

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The debt was sold to them around 2 years ago

 

Thanks

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11 Debts, all unsecured credit card debt £62k

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can you get your cra file please

 

see below

 

dx


..

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As long as you are paying something off the debt and have never missed a payment, they will look a bit foolish going in front of a judge when you have clearly demonstrated you cannot afford to pay more. Doubt if they will go for a charging order. How much is this one particular debt?

Edited by Surfer01

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Why would a charging order application go be fore a magistrate???


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Why would a charging order application go be fore a magistrate???

Nit picking again which you seem to be quite good at. What have you got against me? I did put magistrate or judge as I was not sure which one and I guess many other people on this forum are not sure who does what in the legal world. If you want to correct, fine, but don't get sarky!

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I commented because suggesting magistrates could be involved in a matter like this could lead inexperienced ussre to think that some CRIMINAL offence was involved and this is purely a civil matter.


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