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    • Hi Dave2019   That response to your councillor is short and direct so lets see how your councillor will act with Platform.   I think you have noticed that Platform are not telling the correct facts to news article/MP/Councillor which is absolutely typical of these Housing Association to always give there version of events to make them look as if they have done everything by the book to make them look good we haven't done anything wrong.   This is when you challenge them as you have done and throw there own Customer Community Engagement Strategy in there face and you keep doing this with what I have pointed out in post#67 (as a reference).   The more you do this the more Platform are not going to like it as it impacts their own Customer Care Policy, Complaints Policy and that specific Customer Engagement Strategy as these look more like just a paper exercise to make them look good but putting them into practice they are not just failing but are in fact Breaching those Policies.            
    • Ok! I think it's about there, I've added those final points. Thanks again for looking this over!   Px CLAIMANT
 ERUDIO STUDENT LOANS LIMITED – AND – DEFENDANT XXXX WITNESS STATEMENT OF XXXX I, xxxx of xxxx, being the Defendant in this case will state as follows;   1. The Witness – xxxx states in point 3 that:   “It is noted that the Defendant does not dispute entering into a credit agreement with the Claimant.”   This in not true. I have never entered nor admitted to entering into an agreement with the claimant.   2. The default notice mentioned in point 6 was issued on 26/04/2017 and served 4 years, 3 months and 27 days after the last written acknowledgment of the debt on 30/12/2012 by myself. Thus, the cause of action delayed by 4 years 3 months and 27 days and the Limitations period prolonged to 10 years, 11 months, 16 days. This, in effect, allows the creditor to stop time running and the creditor having effective control of when a limitation period begins or even starts to run.   3. In point 5 xxxx states I was issued with A Notice of Assignment on 22/11/2013. In point 6 he states that a Default Notice was sent to me on 04/03/2014. In point 7 he states I was sent a Termination Notice on 26/04/2017. In point 8 the legal proceedings and transference to Drydens solicitors took place without my knowledge.   I received none of these notices or assignment. It has now come to light that they were all sent to an address I had not resided at since 2001. The Student Loan Company was aware of my current address at the time that the alleged documents were sent.   I have always kept the Student Loan Company informed of my current address.   4. In point 18 the Claimant claims the Termination Notice issued on the 26/04/2017 was the cause of action, this is patently untrue - the termination notice does not determine the Statute of Limitations date.   Pursuing a debt after a 6 years is clear breach of OFT guidelines and CPUT.   5. Addressing points 21,22 and 23 - the claimant contends its unfair to allow a set aside 16 months after a default judgement, yet failed to issue a default notice within the 6 year limitation period therefore breaching the rules of the Consumer Credit Act 1974 section 87/88.   6. I the defendant, contend that the Claimant's claim so issued is a claim in contract and
is STATUTE BARRED pursuant to the provisions of section 5 of the Limitation Act 1980. 
If, which is denied, the claimant contends that the Defendant is in breach of the alleged contract, in excess of 6 years have elapsed since the date on which any cause of action for breach accrued for the benefit of the Claimant.   7. The Claimant's claim to be entitled to payment of £2489.03 or any other sum, or relief of any kind is denied. 
   8. The defendant’s costs in dealing with the claimants default judgement and their set aside application to be paid by the claimant within 28 days.   (a separate costs sheet is attached).   Statement of Truth   I believe that the facts stated in this witness statement are true. I understand that proceedings for contempt of court may be brought against anyone who makes, or causes to be made, a false statement in a document verified by a statement of truth without an honest belief in its truth.   Signed: xxxx Dated: 17/05/2022   Costs Sheet Cost of N244 application form: £255.00      
    • Hi   I hope you are keeping as well as came be expected during this. and even if you want to rant here about this If A2 are still ignoring your letters/emails then that the Housing Ombudsman is now looking into this matter and have requested your evidence so far of their failure in Customer Cara and more importantly their own Complaints Procedure by failure to acknowledge letters/emails.   As you have already spoke to the Ombudsman I would contact them again and just explain to date A2 are still completely ignoring you with your complaint and you take this as a Breach of their own Complaints Procedure.   You look after yourself and even if you just want to have a rant about this to get this out your system you know where we are.    
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4 wks missed to BH - now demanding good backs - help


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Hi all,

 

I have been with BH for over 5 years, and last year i went on sick!! and

 

i have tryed my best to keep up with paying BH but from xmas till now i have not paid them as i just dont have the money to pay!

 

i have about 5 items and 3 of them items i have paid about 2 years off them so i only have a year to pay!

 

i got a call today to say they will have to pick some of the items up!!

 

but i said no i dont think so! as i have paid so much of them...

 

dont get me wrong i want to pay!

 

 

But im not sure how to go about this and thats why im here,

what should i do next!!

 

will BH take part payment on top of my weekly payment?

 

 

Help me please...

 

Thanks

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well they certainly CANNOT demand or take items back UNLESS

you give them too them, you have paid more than 1/3rd

 

so DONT put up with ANY bull about that

 

and the 'we'll get the police to do it rubbish too!

 

havev you their two USELESS insruances?

 

if so

 

get reclaiming

 

you DONT need them

 

they are NOT compulsory

regardless to 'their' rules.

 

as for the payments.

 

pay what you can when you fet.

 

you might find the reclaims KILL the balance anyhow.

 

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 dx,

 

I only have 1 of the ins! now as i got the OSC taken of just before xmas

 

should i just go into them and pay what i can each week or will they not take the payment??

 

Thanks

 

Hi all,

 

I have been with BH for over 5 years, and last year i went on sick!! and

 

i have tryed my best to keep up with paying BH but from xmas till now i have not paid them as i just dont have the money to pay!

 

i have about 5 items and 3 of them items i have paid about 2 years off them so i only have a year to pay!

 

i got a call today to say they will have to pick some of the items up!!

 

but i said no i dont think so! as i have paid so much of them...

 

dont get me wrong i want to pay!

 

 

But im not sure how to go about this and thats why im here,

what should i do next!!

 

will BH take part payment on top of my weekly payment?

 

 

Help me please...

 

Thanks

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at the end of the day they can wave their arms around all they like

 

what you have not got you cannot pay

 

if you've been with them that long

 

its a bout time you dumped them!!

 

you've prob paid 3-5 times the market value of items anyhow!!

 

why not pay them by your internet bankingsite?

 

did you get that cancelled OSC back?

 

should have

 

why have you the other ins?

 

you DO NOT need house insurance you can still cancel it and get it back

 

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 dx

 

It makes me sick when i think about the items i have had of BH over the years and how much i have paid!!

 

as to the OSC no i did not get it back! can i ? and could i get it back of of items i have paid for!! as i have 3 or 4 items that have been paid for over the years!! + the 3 iteams i have paid 2 years off

 

How do i go about geting the OSC back!!

 

Thanks

 

Hi dx,

 

I only have 1 of the ins! now as i got the OSC taken of just before xmas

 

should i just go into them and pay what i can each week or will they not take the payment??

 

Thanks

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YES!!

 

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 dx

 

I have not looked yet but are there any templates on here! that i can use "ie" letters made up that i can use!

 

Thanks

 

I have just looked over 4 agreements 2 of them have been paid off and 2 i have still, over all i have paid £2,565 in OSC omg can i get this back??

 

Thanks

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fill this out

 

This first spreadsheet is the latest version of the statutory interestlink3.gif calculator and is used for Single Premium PPIlink3.gif cases. It can also be used where rollover PPI is involved, i.e. a new loan re-financing a previous one and where PPI is included in one or more loans.

 

StatIntSheet v101.xls

 

 

for EVERY payment made and its date

 

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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CEO IMHO!!

 

use open office

 

the spready works in that too and its free to download.

 

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 dx

 

call me dumb if you like!!, but i have never done anything like this before, and im not sure what i should be puting and where i should be puting it! is there one done up as an Ex? to look at!,

 

 

 

fill this out

 

This first spreadsheet is the latest version of the statutory interestlink3.gif calculator and is used for Single Premium PPIlink3.gif cases. It can also be used where rollover PPI is involved, i.e. a new loan re-financing a previous one and where PPI is included in one or more loans.

 

StatIntSheet v101.xls

 

 

for EVERY payment made and its date

 

dx

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pretty obv really

 

you see 3 columns going across the page

named DATE of CHARGE......DESCRIPTION....Amount of charge

 

you paid OSC every week

 

take the DATE of 'a' payment [typically the very first one you ever paid]

 

click your mouse in B20 - enter it in the format of DD/MM/YYY then hit tab key

 

you are now in the description bit - type OSC hit tab key

 

you are now in the amount of charge - enter it first one done!!

 

now click your mouse in B21

 

same again

 

dx

 

 

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 dx,

 

yea you may think so mate, but to someone that has never done this before its not!! and i dont want to go puting something in the wrong place and not get OSC back for doing so!

 

so there for i want to make sure i do it right, im sure you can understand that..

 

could you look over it once i have done it! just to make sure everything is in the right place!

 

Thanks

 

pretty obv really

 

you see 3 columns going across the page

named DATE of CHARGE......DESCRIPTION....Amount of charge

 

you paid OSC every week

 

take the DATE of 'a' payment [typically the very first one you ever paid]

 

click your mouse in B20 - enter it in the format of DD/MM/YYY then hit tab key

 

you are now in the description bit - type OSC hit tab key

 

you are now in the amount of charge - enter it first one done!!

 

now click your mouse in B21

 

same again

 

dx

 

 

dx

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hey we're not saying we wont check or help

 

post it up when ready.

 

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 dx,

 

I know that mate, thats not what i was geting at, all you guys on here do a TOP job!

 

i just want to make sure i have done it right thats all,

 

yea i will post it up once done, but 1st i must send of SAR to get all the info! where do i send the SAR is the add on here anywhere?

 

Thanks

 

hey we're not saying we wont check or help

 

post it up when ready.

 

dx

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no bother we wont let you make a mistake

 

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 dx

 

what add do i use for BH is it the 5 Hercules way in watford ??

 

is there a department!! i want it to go to? or should just put the BH add on it and thats all?

 

Thanks

Edited by marcus6
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lets check you claim first though

 

head off address

 

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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Share on other sites

lets check you claim first though

 

head off address

 

dx

 

Hi dx

 

This is just for SAR! i need all the info before i can make a claim,,

 

any link to the BH head off address? or is that the one on there web site?

 

Thanks

 

P.S i have 5 Agreements new and old to get the OSC back on!!

 

 

I did not have house ins! at the time can i still get the DLC back or just the OSC

Edited by marcus6
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yes get both back + 8% int on every payment from its date

 

can i sugest you do some reading of the other like threads here

 

head office FAO: Data controller

 

you DO NOT NEED HOME INSURANCE

 

there are no rules that dictate stuff on HP must be covered by any ins

 

thats just THEIR unenforceable T&C's

 

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 dx

 

I have been on here allday looking into this, and reading posts! i will be going down the road i was miss-sold it!

 

as at the time of takeing out my 1st item with BH i was told i had to have the OSC or i could not get the item!

 

just 5 mins ago i had BH nocking at my door, wants me to do a RW i dont think so....

 

Thanks

 

 

yes get both back + 8% int on every payment from its date

 

can i sugest you do some reading of the other like threads here

 

head office FAO: Data controller

 

you DO NOT NEED HOME INSURANCE

 

there are no rules that dictate stuff on HP must be covered by any ins

 

thats just THEIR unenforceable T&C's

 

dx

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