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    • Commercial Landlords are legally allowed to sue for early cancellation of the lease. You can only surrender your lease if your landlord agrees to your doing so. They are under no obligation even to consider your request and are entitled to refuse. You cannot use this as an excuse not to pay your rent. Your landlord is most likely to agree to your surrendering the lease if they want the property back in order to redevelop it, or if they wants to rent it to what they regards as a better tenant or at a higher rent. There are two types of surrender: Express surrender in writing. This is a written document which sets out the terms of the surrender. Implied surrender by conduct. (applies to your position) You can move out of the property you leased, simply hand your keys back and the lease will come to an end, but only if the landlord agrees to accept your surrender. Many tenants have thought they can simply post the keys through the landlord's letter box and the lease is ended. This is not true and without a document from the landlord, not only do you not know if the landlord has accepted the surrender, you also do not know on what basis they have accepted and could find they sue you for rent arrears, service charge arrears, damage to the property and compensation for your attempt to leave the property without the landlord's agreement. Unless you are absolutely certain that the landlord is agreeable to your departure, you should not attempt to imply a surrender by relying on your and the landlord's conduct.  
    • I had to deal with these last year worst DCA I have ever dealt with. Just wait for the constant threats of CCJ and how you'll lose in court and how they won't do mediation and they want the judge to question you with a load of "BIG" words to boot with the letter. My case was struck out in the end, stupidity on their part as I admitted to owing the debt in the end going through the court process was just a formality as they wouldn't let it drop despite me admitting the debt regardless. They didn't send the last part of the court paper work in so it ended up being struck out     .
    • Well, that's it then. Clear proof of the rubbish cameras. Clear proof of double dipping. G24 won't be getting a penny. Belt & braces, I would write to the address LFI has found, include the evidence of double dipping, and ask Fraser Group to call their dogs off.
    • LOL. after sending Perch capital a CCA request with a stapled £1 PO attached (x2) Their lapdog Legal team TM Legal have sent me two letters today saying "due to a recent payment on the account, your account is open to legal/enforcement action" so i guess they have tried to apply that payment to the account to run the statue bar along. dirty tactics lol.
    • I have initiated the breathing space so ill wait. from re reading everything this what i understand BS gives me 60 days break from the creditors during these 60 days they may contact me and will most likely default I need to wait until after a default notice to see whether the OC will keep the debt or sell it off If kept by the OC then i should attempt a plan or pay some token payment? If sold to DCA then don't pay and after 6 years it will leave my credit report once the DN is registered with a date. DCA may start a CCJ but unlikely, if they do come back here. last question, do you know roughly how long this will all take? in terms of defaults/default notice, potential CCJ? Would you say I have 12 months plus from when the BS ends?
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Help needed with HFC claim please


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  • 2 weeks later...
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not forgotten

 

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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  • 2 weeks later...

tried 4 times

I just need someone to do the dirty work.

 

cant spend the time typing in 7 sheets of data.

 

from the statements of loan 6 I need EVERY payment or reversal entered into this sheet with its date.

 

i'll do the rest.

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

getting there

 

sri I should have pointed to the file

 

all these need to be inputted

inc the minus reversal ones.

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

getting there

 

sri I should have pointed to the file

 

all these need to be inputted

inc the minus reversal ones.

 

Thats going take some time will try to do it over the weekend

HFC go get them:-)

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dx I have entered the data, if you could have a look to see if it's ok. I'm sure I have entered all the data in the correct places but if you spot any mistakes just let me know.

 

 

Angie I tried to get it done before the football tomorrow (come on the Toon):-D

david

HFC go get them:-)

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dx I have entered the data, if you could have a look to see if it's ok. I'm sure I have entered all the data in the correct places but if you spot any mistakes just let me know.

 

 

Angie I tried to get it done before the football tomorrow (come on the Toon):-D

david

Thank you soooo much,lol! Hubby and son support Man United so dinner will either be very early or late tomorrow!

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ok that'll do for now

 

ideally the reversals should be -£155 etc

 

this is NOT anykind of reclaim.

 

what this is doing is preparing to do what IMS indicated above

 

the next step is trimming that down [as such]

 

and then working out what each rollover [from the old loans] % equals.

 

a bit like this bit of above:

 

ok so let's at least get the loan 5 figures worked out which we can use up to the point of settlemrnt by loan 6.

Loan 5 total amount inc PPI was £12534.25

Loan 5's own PPI was £2534.25

Loan 4 PPI rolled into loan 5 was £1,788.23

Loan 2 PPI rolled into loan 5 was £1,055.26

Loan 5 PPI was 2534.25/12534.25 x 100 = 20.22% of loan 5

Loan 4 PPI rollover was 1788.23/12534.25 x 100 = 14.23% of loan 5

Loan 2 PPI rollover was 1055.26/12534.25 x 100 = 8.42% of loan 5

Those will be the percentages of the respective PPIs in the loan 5 repayments.

 

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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you just type it in -115

 

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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that's great

 

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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  • 2 weeks later...

god has it been that long.

 

ok sri

soon

 

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... 

Link to post
Share on other sites

loan 5 PPI = 20.22%

[22:32:12] ims.21: Loan 4 PPI in loan 5 = 14.23%

[22:32:25] ims.21: Loan 2 PPI in loan 5 = 8.42%

[22:32:39] ims.21: That measn that the PPI figures rolled into loan 6 are...

[22:32:52] ims.21: £2790.36 loan 5 PPI rolled into loan 6

[22:33:12] ims.21: £1963.74 loan 4 PPI rolled into loan 6

[22:33:30] ims.21: £1161.96 loan 2 PPI rolled into loan 6

 

i'll play later

 

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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well only rollover

it does not have a ppi policy itself

 

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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well only rollover

it does not have a ppi policy itself

 

dx

 

Maybe, but it would never have occurred to me about the rollover from the previous loans. It certainly never occurred to us at the time they kept offering us new loans. How naive we were.....

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I think I've got it now

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'll have to look

there should standalone spreadsheets for 2,4 & 5 here by dave somewhere.

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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