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    • good idea take some pix and put them in a PDF read UPLOAD dx
    • thread title updated moved to overseas debt forum. sadly as they are outside any UK jurisdiction upon DCA rules which state in the UK they must not call employers, there not alot you can do to stop these scammers. make sure you totally make private ALL social media twitter/facebook/linked in etc etc as there no-way for them to findout where you work otherwise so you must have a leak somewhere. find it. your employer details arent even legally available to UK DCA's so how have they found it out to date???  simply write to the BANK informing them of your correct and current address ALWAYS!!. if you want to arrange payment or not TO THE BANK ONLY thats upto you. never ever ignore a Statutory Demand a Letter Of Claim a Court Claimform. if if if any of those ever happen. till then ignore and rewash. dx    
    • Date of issue –   13 may 2024 AOS date 31st may defence filing date 14th june plenty of lowell card claimform threads here use our enhanced google searchbox Lowell card claimform id be reading at least 5-10 threads a day. do NOT MISS your defence filing whatever happens.  
    • Hello All,  I’m hoping someone can help me urgently here. Firstly, I’d like to say I have read multiple other threads and have some what an idea of what I should be doing, however my case might be slightly different so coming with my own questions here.    my situation is I lived in Dubai and had a credit card and a loan, loan with HSBC and credit card with Emirates (or the other way round), I lost my job and was forced to leave the country as I was staying in the country on my companies visa.    since coming back, after a few years 2 different debt collections agencies have been approaching me (one being IDRW and the other J&P). I’ve never answered IDRWW and they constantly chase me by calling and messaging me and my employer. My current company is ok with this as I explained the situation but I’m soon to be joining a new company who definitely won’t be ok with being messaged and called. I’m afraid to continue to ignore them as they may message and calm the new employer as they have before and I’ll lose my job. However, it seems clear from these forums that dealing with the debt collection agencies is never a good idea. You shouldn’t agree to the amount or pay anything.    j&p caught me on my phone but I still haven't sent them any money or confirmed the amount they’re saying is owed, they keep pushing to pay off the “principal” amount by making monthly payments, from reading these forums it seems like if I make one of those payments (they have provided bank details for ENBD), then it’ll just be paying off interest and not actually clearing the principle debt and the bank won’t even approve receipt of payment or that it’s coming off principle.    this is my predicament as ignoring them might not be an option if they chase my new employer. Maybe there’s a way to ensure the debt collection agency don’t contact my new employer?? I don’t know? Massively appreciate peoples help here. Thanks, 
    • The clock is ticking for savings providers. They now have just a few weeks left to get their act together and start offering loyal customers a good deal.View the full article
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House repossessed by Oakwood Homeloans because of confusion, can we get it back?


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You are going to complain aren't you ! that's not what you paid for and not the solicitor you were promised

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Going to Court – Revival Repossession Solutions Can Help When we arrange to go to court we will first take a detailed understanding of all your circumstances and we will build a case for you to keep your home. We will draft a full set of documents for you. We will instruct a specialist court advocate to act for you in court and present your case. The hearing will only last about 10 minutes and this is why we must be very well prepared for the case. The Judge will hear what our case is and we have one chance to make sure that we give him all the information we can to ensure as much as possible that he accepts our case.

 

Revival Repossession Solutions Can Look After You in Court

The court experience is a stressful process and can be very daunting – That’s where Revival Repossession Solutions can help by providing you with a well prepared legal representative to hold your hand through the process and make sure that your case is presented professionally. It can be a very emotional experience and by looking after you in court we make the process much less painful.

 

It doesn't look like they did what they say they will do. Get a complaint in and ask for a refund!

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These sort of firms will draft a basic statment for court (which you can get help for from this site, CAB or Shelter for free!) then send in some legal rep to hold your hand - the extortionate fees for writing a statement should be used to pay towards the arrears which would strengthen any repossession case.

 

It's making money out of people's misery if you ask me

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Excellent news. It was manifestly unfair that the mortgagee behaved in the way that they did, so only just for the court to allow you back into the property.

 

I am disappointed that for such a serious matter this 'business' sent an agent rather than someone with direct and relevant experience of re-entry after possession. It is disgraceful that they are charging £495 in the first place for something the occupier could do themselves, but to actively state they were sending a solicitor when it was clear they would choose the cheapest option (agent is around £50-70 at most), is beyond reprimand.

 

The work they do is available for free here on this forum, and in many county courts across the land where duty advice schemes are run. I wish people would seek assistance sooner rather than later - as these firms prey on those who find themselves with nowhere to turn (or so they think) at an hour of desperation and are taken advantage of.

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Excellent news. It was manifestly unfair that the mortgagee behaved in the way that they did, so only just for the court to allow you back into the property.

 

I am disappointed that for such a serious matter this 'business' sent an agent rather than someone with direct and relevant experience of re-entry after possession. It is disgraceful that they are charging £495 in the first place for something the occupier could do themselves, but to actively state they were sending a solicitor when it was clear they would choose the cheapest option (agent is around £50-70 at most), is beyond reprimand.

 

The work they do is available for free here on this forum, and in many county courts across the land where duty advice schemes are run. I wish people would seek assistance sooner rather than later - as these firms prey on those who find themselves with nowhere to turn (or so they think) at an hour of desperation and are taken advantage of.

 

Absolutely agree Lea !

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Danny, did they actually write a statement for you for court?

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And of course they were quite obviously stringing Danny along all day yesterday by not providing the name of the "solicitor" until late in the day, and clearly he wasn't one anyway which I think we all suspected. If he had been a genuine solicitor Revival would have provided the name of his firm.

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Lol,

 

At the hearing when the judge said the lender was in communication with me throughout Monday and up until the eviction they never mentioned the final proof they want (to redeem the mortgage) the lender solicitor said at 1015pm when I was told that I had enough time to go to court and put an application to the judge, when has 15 mins been enough time to do that... They still denyed the fact that they misled me with false information

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The only down fall to this is I still probably be liable for the charger that occurred due to the locks changed etc

Hopefully Revival will pay you back. They should do for misleading you. they're disgusting IMO. Would the OFT and Financial Ombudsman help with such a thing?

If you get a refund Danny, it'll help towards the locks. Tbh I'd be tempted to change them myself though if I were you just in case the lender has 'accidentally' kept a set, but then I've a very suspicious mind.

So pleased for you :)

Gena

Living off the cash in my purse and nothing else :crutch:

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Revival are saying the case was successful even though I done most of the arguing, good idea about the locks il change them.

 

The case might have been successful - but it wasn't due to anything they did !

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Yes that's what I said

Disgusting company! Chalking it up as their success, How dare they? Surely you can go further with this based on them blatantly lying and saying they'd "prepare a draft and send a solicitor who is very experienced in repossessions" such total BS IMO. I wouldn't be 100% happy until having taken them down a peg or two. They're making a fortune out if this and people put their trust in them. Luckily you found sound advice here.

At least your nightmare is over and I hope you're settled back soon.

Gena

Gena

Living off the cash in my purse and nothing else :crutch:

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  • 5 months later...
It always makes me sad when I hear that these type of companies charge people such large sums of money for something they could do themselves (applications to stop eviction or defend possession) - that sort of money would be better used against arrears. These people are no better at this sort of thing than Shelter or some CAB centres.

 

 

 

If I had charged that sort of money for all the repo and eviction defences I've done, I'd be extremely rich.......

 

 

 

Home repossessed agin due to illness, I am willing to pay 20k and my monthly payment on a weekly basis, I went to court on the day of the eviction but the judge refused and sided with the lender, now I have raised 20k from my sons and the arrears are 11k is there anything I can do?

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I think you'll have to accept that this time the house is gone.

 

You should have come online sooner than after the possession had taken place. Last time was a fluke due to the circumstances and the lies of the mortgagee - this time your circumstances are different. I doubt you'll be able to get back into the property.

 

If you were to try - it would be using the exact same procedure as before.

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