Jump to content


  • Tweets

  • Posts

    • I am a University Student looking to rent accommodation along with three other Students We found a four bedroomed flat and called the Letting Agent to say we were very interested We had a viewing and raised some questions We wanted to check if there was a break clause in the Lease The Letting Agent said we would need to pay a Holding Deposit whilst he waited for the Landlady to return from Holiday So we paid £750 split between the four of us to the Letting Agent We then received an email to say the Holding Deposit was non refundable References were then checked and the tenancy Agreement arrived which needed to be signed by each guarantor and tenant and send back the full signed agreement At this point we got to see the Tenancy Agreement for the first time and the break clause of 6 months was nowhere to be seen so this made us very nervous and we decided to pull out as we felt we didn’t want the risk of not being allowed to leave the property until a full year was up We emailed the Letting Agent who replied with the following: The holding deposit is not refundable as you are withdrawing from this deal. I will need a confirmation from Everyone that they are withdrawing and we will put the property back on the market.   The move in date is on the 4th Sept and the landlady is left with a very short time to find another tenant.    This will incur a lot of extra cost from both us as an agency and the landlady which we will try to recover. So, my question is are we eligible to get a refund of our Holding Deposit – bearing in mind we were not told we wouldn’t get it back until after we had paid it?
    • As for the rest @BankFodder please wait for my bullet points account and further uploads (I'm in the process of converting a lot of my files and screenshots to more condensed pdf thanks to reading one of your posts how to do this for free...but, it's taking time as I also have artritis in practically every bone in my body, as well as fibromyalgia and chronic fatigue, which affects my hands, and I have a lot of redacting to do).   I appreciate your trying to get an angle on this and your keen to help me in the best you can but, if I keep getting sidetracked like this, it will be counterproductive and frustrating for both/all of us.   On my #13 I gave a link to your skeleton argument pdf because, I'd carefully researched the posts for days before joining (as well as looking at posts over the last 5 years), which btw needs a bit more redaction on p6 as it's showing [her] name. That could be my case to a 'T' except add in the years back to 2006/2007, particularly since I went on their computer system and was 'treated' to their 1st system migration, and all the others that have followed. Not sure about this person's status but, for me you can also add in the fact that they've: continually failed to put me on their PSR; lost my password more than once (the one call I managed to recall was December 2016 when he openely admitted he couldn't find a trace of my being on a password scheme and they now have two whenever the meter reader arrives...and yes, I've done an SAR to the distributor already because they've failed to keep them informed of my status, that's all in hand); continually ignored my medical status of being disabled and unable to read my own meter (I've repeatedly told them about this, btw) due to not only bone-on-bone arthritis in my right knee (diagnosed 2011) but also a crumbling spine (extensive arthrits) with a prolapsed disc and extensive nerve damage (eventually diagnosed 2014), which leaves me at risk of developing corda equina; continually ignored my vulnerability status; and excarrebated my MH/PTSD over the years with their continuing bullying and threats.        
    • Hi Everyone. With the deadline for claiming PPI coming up I thought I better make one last attempt. Couple of quick questions though.. 1. I tried claiming with RBS about 5 years ago and they rejected my claim. Is there any point trying again? 2. I was going to use a company as I'm getting bombarded with "last chance" emails, but I probably don't want to do that as I've always done my own thing. That said, if I make my "Find out if you had PPI" enquiry online, does that mean I'm in before the deadline, or do I actually have to make a complaint before the 29th Aug?   Many thanks for any advice/ help
    • Har dee har har! Thanks! Im 3k apart . I need help so they drop the 3 k. But you got that! kr escaped!
  • Our picks

elrib

Court Directions and Default Notice - AK & old EGG debt

style="text-align:center;"> Please note that this topic has not had any new posts for the last 1792 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

On checking what records I have it is possible that I could have paid about 150 to 200 pounds in token payments in 2008 and

nothing since then,

 

the disputed was going with Egg prior to and during 2008.

 

E

Share this post


Link to post
Share on other sites

So not SB until next year then?

What month was your last payment? And what was the result of your dispute?


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!

 

 

Share this post


Link to post
Share on other sites

Hi bazooka

 

last payment I think was end of 2008. see post number 15 for where I am with dispute.

Share this post


Link to post
Share on other sites

Cheers, up to speed now :thumb:


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!

 

 

Share this post


Link to post
Share on other sites

Hi all

Looks like in for round three,

 

I have been re-issued with a default notice for the full out standing debt from the DCA in their name.

 

it say if I don,t pay full amount by such a date then they will report me to the CRA,

 

this has already been reported to CRA back in 2006 by OC.

 

and then start legal action,

 

can they do this again.

 

how can i be in breach of an agreement which was terminated then dragged through 2 court cases both I won.

 

Any thoughts on best way forward.

thanks

Share this post


Link to post
Share on other sites

Which DCA has sent this?

 

IMO I wouldn't make any contact with them for the time being, ''if'' they do decide to mark your credit file with a default, then you would be in a very strong position to take them to court and sue them for defamation.

 

If you can scan & post it up, removing all identifiers, then it would be good to see exactly how it has been worded.


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!

 

 

Share this post


Link to post
Share on other sites

and, poss a counter claim for damages re all that has happened prior to this new dn, as if no dn prior (as the J accepted) then they weren't entitled to terminate etc before?


IMO

:-):rant:

 

Share this post


Link to post
Share on other sites

Thanks for your reply.

 

I will try and upload letter with header and footer removed also any id info.

 

This was original an Egg card,

that's who put default on CRA and

 

Egg Terminated the agreement at the same time.

 

It was then purchase by Aktiv that's who I have been to court with twice now,

 

going again I think would be an Abuse of Process.

Share this post


Link to post
Share on other sites

as you say, abuse/estoppel issues may also be relevant.

that dn doesn't even look wholly compliant imo?

see what others say


IMO

:-):rant:

 

Share this post


Link to post
Share on other sites

that's not the real letter

show us a scan of it.

 

its layout is also important

 

**you can post up images/letters by this method immediately..you don't need 10 posts**

.

set your default scan page size to A4 less than 300DPI [150 will do]

scan the required letters/agreements/sheets - as a picture[jpg] file

don't forget you can use a mobile phone or a digital camera too!!

'

BUT......

ENSURE: remove all pers info inc. barcodes etc

but leave all monetary figures and dates.

.

************************* ************************* *******

{DO NOT USE A BIRO OR PEN OR USE SEE THRU TAPE OR LABELS]

************************* ************************* ***********

.

DO IT IN MSPAINT.EXE or any photo editing program

goto one of the many free online pdf converter websites ...

http://freejpgtopdf.com/

http://www.convert-jpg-to-pdf.net/

..

if you have multiple scans/pics

put them in a word doc FIRST and convert that to PDF

or http://www.freepdfconvert.com/

or

use www.pdfmerge.com

 

convert existing PC files to PDF [office has an installable print to PDF option]

..

it would be better to upload a multipage pdf if

you have many images too rather than many single pdfs

.

or if you have PDF as an installed printer drive use that

or use word and save as pdf

try and logically name your file so people know what it is.

though dont use full bank names or CAG in the title

i'e Default notice DD-mm-yyyy TSB

.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

...

YOU DONT have to put a link to the attachment in the msg box..just upload it ..job done

.

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

Share this post


Link to post
Share on other sites

Headers and Footers have been removed by the OP. This looks like a compliant DN.


Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Share this post


Link to post
Share on other sites

hi all

the attached letter is the one sent, what I was trying to find out is whether you can default a terminated agreement.

thanks

Share this post


Link to post
Share on other sites

It would be the other way round default then terminate.


Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Share this post


Link to post
Share on other sites

That looks nothing like any DN I have ever seen??

 

If that is a DN then if the amount they are claiming you need to repay shouldn't be the total amount owing, it should ONLY be the arrears accrued.

 

Also what is the date?

It MUST state a physical date ie. dd/mm/yyyy it cannot state ''within 14 days from the date of this letter.

 

That definitely looks like a suspect amateur DN to me..


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!

 

 

Share this post


Link to post
Share on other sites

hi Bazooka

 

The amount is the full outstanding amount, and there is no date for when they will Default. other than 18 days from date of letter.

Share this post


Link to post
Share on other sites

but is says a date in the form DD/MM/YYYY going by the copy about.

 

was it just tat word doc that was sent then?

 

that's not a DN as far as I can get my take on it.

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

Share this post


Link to post
Share on other sites

there is a date for when the balance is to be by, ie before 16th April 2014.

Letter was dated 25th March.

sent first class.

 

the expiration of 18 days is for when they will report me to CRA.

 

The copy of the letter is what I received

 

I have only took of Header and footer and took out account No and amount.

 

This was drawn up and sign by the Legal & Compliance Officer from the DCA,

Share this post


Link to post
Share on other sites

here are the rules on what a dn should be and contain

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

Share this post


Link to post
Share on other sites

Hi

thanks for the info.

 

It seem clear that the default notice is for a live agreement and not used for one that is terminated,

 

I also see it states notice of 28 days should be given before default to CRA, not 18 as in default notice.

 

Now would it be better to reply to the DCA and tell them that the Default notice is invalid

and why I think so including you can not default the same debt twice.

 

Doing this could they just change this one and send out another.

 

Or should I wait and let them take me back to Court and counterclaim for damages,

Share this post


Link to post
Share on other sites

tis a difficult one

 

as has been accepted by the J there was no dn as required,

then technically it shouldn't have been terminated etc.

 

hence the idea of a poss counter re damages.

which things being equal cld negate their claim entirely,

if accepted. that cld be testing the water?

 

then there is the abuse/estoppel issues you mention following the prior dismissal.

 

should you reply?

not sure.

 

could do so saying for eg their dn is not accepted?

 

reminding them of the previous failed attempt at litigation,

and if they make a claim you'll defend and make yr own claim?

 

best wait for further opinion though.


IMO

:-):rant:

 

Share this post


Link to post
Share on other sites

thanks Ford

 

I will wait and see if anyone come up with any other opinions,

Share this post


Link to post
Share on other sites

bump, or pm/nudge site team/others, for further input if noone looks in.

ps have you considered legal advice, perhaps no win/no fee?


IMO

:-):rant:

 

Share this post


Link to post
Share on other sites

Thanks Ford.

No not look at no win no fee but will check it out, anyway I will see if any other advise come along, but what ever, I will defend again if I have too, if that get away with this then it just means they will keep taking others to court until a judge agree with them, I shall keep you updated on out come.

Share this post


Link to post
Share on other sites

ok.

i did nudge a site team for you, see if they look in.


IMO

:-):rant:

 

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...