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    • 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.    
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    • 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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Aktiv Kap/hassall SD *** old MBNA Card **Resolved by Tomlin Order**


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Hi

I have just had a letter delivered to me personally by a guy at my door and its a statutory demand under s.268 of the insolvency act 1986. Debt for liquidated sum payable immediately.

 

HELP !! what is this, are they forcing me to go bankrupt ??? it says i have 18 days to apply to court to set aside demand.

 

This if for an old MBNA account that I CCA'd and they sent a copy application form so I have not been paying it - its a really old account ive had it since probably 1990 and its for £14,727.

 

Im really worried that they are going to make me bankrupt so any help would be appreciated.

 

Thanks

 

cw

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Don’t panic! As you have seen, you have 18 days from now to respond to this, to apply to have the SD set aside.

 

Please tell us the history of the account. Has it been sold/assigned to a third party?

 

When did you send a CCA request and who to? What exactly were you sent in response? When did you last make a payment? Why did you stop paying?

 

Tell us all you can.

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Hi

 

I think this card was taken out early 1990's. In Dec 2009 I was going through a divorce and asked for a cca because there was some dispute between my ex and myself and they didnt send me one. They sent me a letter in January 2010 saying they aplogised for the delay responding and that they hoped to write further in due course. I sent them a letter saying they had 28 days to produce CCA. I actually dont think that Ive ever received anything from them regarding CCA, not even application form. I stopped paying because they couldnt send me CCA and basically I couldnt afford the repayments anyway because of divorce. I have made payment arrangements with other creditors i had and if they had been able to produce the document I would happily have initiated a payment plan.

 

They then sold the debt to experto credite in Aug 2010. I wrote to experto credite and advised them that I had not had copy CCA and on 15 sept 2010 i got a letter off them saying they were contacting MBNA regarding the copy agreements and would contact me once they had heard. I never got a copy but kept getting letters off them, the usual debt collector letter, then I think they sold it to Aktiv Kapital which is who this demand is now off via Wright Hassall.

 

Im a bit shocked because I didnt know they could do this.

 

Thanks

 

CW

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Right have checked through my paperwork properly (as was panicking) and they did respond for that particular account in Feb 2010 they sent me a copy of the application form that I had filled in and a separate copy of conditions of use which they said was printed on the reverse of the application form and with it they sent what I think is a recon of terms and conditions with my name and address on but not my signature.

 

I replied with a letter saying that it was an application form and that I would like the original CCA with my signature on . . MBNA wrote saying they were satisfied that the agreement they had sent me complied with all requirements. I did all this following advice on debt forums regarding CCA rules. I was under the impression that they could not enforce this debt. Anyway, the debt got sold on and letters came from experto credite.

 

Ill be honest and say that I didnt take much notice of any further letters because I just assumed that this was still in dispute because they couldnt produce the original.

 

Thanks.

 

CW

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Given it’s an MBNA account, the likelihood is that any Default Notice they issued was faulty. Do you have copies of any DNs?

 

Have you done any research to establish whether the reconstituted CCA is accurate?

 

Complying with a s78 request is not the same as being able to enforce a debt, but I think that applies to enforcement via a claim in the county court.

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Hi

 

I have done some research but there are many conflicting opinions on whether a reconstitued CCA is accurate and I think that probably only a court could decide in the end, I think some cases have been lost and some have been won.

 

Ill have a look through my letter for a default notice.

 

Thanks

 

CW

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They will still need the original CCA or copy of to enforce the debt in any court, for an account of this age. So you will have to apply for the set aside, as you have no choice. It does not cost you any court fee to do the set aside and if you win they cannot then proceed with a bankruptcy petition.

 

There are loads of threads on here, showing you what you need to do in regard to completing the set aside forms. Have a search and if you have any questions, then post back.

We could do with some help from you.

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Hi

 

Ive checked for default and I have letter dated 23rd feb saying important default notification, basically stating that i am in breach of terms and failure to pay will result in default. I then have one from 1st June 2010 sayin a default is due to register in the next few days. I then have one from 3rd June saying account due to default at the end of the month. My statement from march 2010 has late default sum and over limit default sum on it (both £12) and a notice of sum in arrears. I cant actually find anything that says I have been defaulted but I cant guarantee that I have every bit of paperwork - they may have sent one and for some reason its not with rest of paperwork although I would have thought that I would have kept one with other letters.

 

 

If i apply to set aside and loose what happens ?? do they just make me bankrupt straight away ?

 

thanks

 

CW

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[ATTACH=CONFIG]42405[/ATTACH]

 

[ATTACH=CONFIG]42404[/ATTACH]

 

 

 

[ATTACH=CONFIG]42403[/ATTACH]

 

 

[ATTACH=CONFIG]42402[/ATTACH]

 

 

[ATTACH=CONFIG]42401[/ATTACH]

 

I think these might be a bit rubbish !!!!! ill try and get access to a scanner.

 

No I cant actually find anything that says default notice, only letters saying its about to default.

Edited by citizenB
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Help !! i have mistakenly posted the pics in a post that I was reading earlier today (no idea how I did it !) its a post called lowell/hampton statutory demand won + costs - could somebody tell me how to move the post to this thread please ?

 

thanks

 

CW

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Help !! i have mistakenly posted the pics in a post that I was reading earlier today (no idea how I did it !) its a post called lowell/hampton statutory demand won + costs - could somebody tell me how to move the post to this thread please ?

 

thanks

 

CW

 

Ask the Site Team my dear fellow (try dx) and try to remain calm (easy, you might think, for me to say, however, it really is not that easy for me to say)

 

Kind regards

 

The Mould

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Help !! i have mistakenly posted the pics in a post that I was reading earlier today (no idea how I did it !) its a post called lowell/hampton statutory demand won + costs - could somebody tell me how to move the post to this thread please ?

 

thanks

 

CW

 

I have alerted the site team. The pictures are too small anyway to read. It looks like the application form, which as bits which could be a CCA, but is possibly not that actual CCA that you would have been issued with, once your application had been accepted by MBNA.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

If you want advice on your thread please PM me a link to your thread

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1990's agreement - the Wilson v Fist County Trust - House of Lords Decision may apply RE sec 127 CCA 1974 (BEFORE 2006 AMENDEMENTS), that is to say, improperly executed credit agreement means that the same cannot be enforced by virtue of said sec 127 CCA 1974 - irrefutable.

 

Further, failure by a creditor to serve a valid statutory default notice = no enforcement action cvan be taken against the creditor - irrefutable

 

Kind regards

 

The Mould

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Thank you !! So my reason to set aside would be that the debt is still in dispute because of the agreement and also I have never received a default notice ??? What then happens if the judge doesnt agree and set it aside ?

 

with regards to the default notice, I have checked my credit report and the default is on there - does that mean that it is assumed they have served me a notice ? Also, does the agency that bought the debt i.e. aktiv capital who bought if off experto credite, have to serve another default notice ? i.e. does one have to be served each time the debt is sold ?

 

Thanks

 

CW

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Thank you !! So my reason to set aside would be that the debt is still in dispute because of the agreement and also I have never received a default notice ??? What then happens if the judge doesnt agree and set it aside ?

 

with regards to the default notice, I have checked my credit report and the default is on there - does that mean that it is assumed they have served me a notice ? Also, does the agency that bought the debt i.e. aktiv capital who bought if off experto credite, have to serve another default notice ? i.e. does one have to be served each time the debt is sold ?

 

Thanks

 

CW

 

If the agreement is pre-1990's and improperly executed for the purpose of sect 61 CCA 1974, then the lower Court Judge in these Statutory Demand proceedings cannot argue against the House of Lords judgment handed down in Wilson v First County Trust (you ought to search this case, print the transcript thereof off and peruse the same).

 

Further to the above my dear fellow, if your creditor has not served a valid statutory default on you pursuant to sec 81 CCA 1974, then your creditor cannot seek to enforce this agreement against you.

 

Kind regards

 

The Mould

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Hi thanks for that , i will search case and have a read through

 

thanks

 

CW

 

Good stuff

 

In the meantime do not lose sight of the timescale upon which to file your Response to this Statutory Demand ("SD"). Check with your local County Court and ask if they deal with these Statutory Demands.

 

I will send an SOS Site Team member 42man.

 

Kind regards

 

The Mould

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Help !! i have mistakenly posted the pics in a post that I was reading earlier today (no idea how I did it !) its a post called lowell/hampton statutory demand won + costs - could somebody tell me how to move the post to this thread please ?

 

thanks

 

CW

 

Post with pics moved to correct thread. :-)

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