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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.    
    • You believe you have cast iron evidence. However, all they’d have to do to oppose a request for summary judgment is to say “we will be putting forward our own evidence and the evidence from both parties needs to be heard and assessed by a judge” : the bar for summary judgment is set quite high! You believe they don't have evidence but that on its own doesn't mean they wouldn't try! so, its a high risk strategy that leaves you on the hook for their costs if it doesn't work. Let the usual process play out.
    • 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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Carter/lowells claim form HBOS loan - help


N-Hope
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First off.... have we established if the debt is in fact Statute Barred?...i'm somewhat sceptical of the entry by Lowell placing the Default marker at 2009...this will be when the debt was assigned..but when did HBOS place the default marker?

 

Andy

We could do with some help from you.

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Okay thanks....back shortly

We could do with some help from you.

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Once the guests subsides...shame they have been watching since 9.00am:-(

We could do with some help from you.

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Here is a proposed defence...check for accuracy/detail or edit to suit ,copy and paste into MCOL and print your receipt as proof of submission.

 

[ATTACH=CONFIG]49239[/ATTACH]

 

Regards

 

Andy

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 OTHER

 

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Not required on MCOL

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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 OTHER

 

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Hi All/Andy, Just an update, I received acknowledgement letter to the defence, saying copy has been sent to claimant/solicitor and the claimant/solicitor may contact you directly to resolve the dispute, if it can not be resolved informally or wish to proceed they have 28days.

So I should hear from both end soon.

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  • 3 weeks later...

Hi All/Andy, I am still waiting to hear from BC if they are proceeding or not.

But just checked my credit file, I noticed that lowell put DF on my record for the claim amount also HBOS put DF for the actual amount that is less than the claim amount. My question is, if the debt has actually been bought by lowell why is HBOS still showing DF for the same debt. Starting from the month lowell said they bought the debt HBOS stopped showing DF, now both of them are showing DF for the same debt. Any advice will be appreciated please? Thanks.:???:

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Your credit report is a credit history. That history documents the life of a debt. As a result, it will show both the original lender and any subsequent collection accounts. However, they are not seen as two separate debts. Instead, a collection account is recognized as a continuation of the original debt.

 

The account you had with your bank should be listed as charged off. It could also show that it has been sold or transferred to a collection agency. Charged off, transferred or sold are considered a final status, essentially the same as closed. As a result, that account entry is no longer an active debt. However, it will continue to appear on your credit report to accurately reflect the account history.

 

The collection account now represents the active debt. Usually, a collection account indicates that it was purchased from or transferred from the original lender.

The collection agency may then sell the account to another collection agency. The first collection account then would be reported as sold or transferred, and the new, active collection account would be added to the credit history.

 

Because a collection account is treated as a continuation of the original debt, it will be deleted at the same time as the original account. The original account and subsequent collection accounts will be deleted seven years from the original delinquency date. The original delinquency date is the date of the first missed payment after which the account was never again current.

The collection agency is required by law to carry over that original delinquency date from the first account and report it to the credit reporting company. That ensures the collection account is deleted at the correct time.

 

Regards

 

Andy

We could do with some help from you.

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Thanks Andy, but both collection and original lender are showing DF.

Anyway, I will keep an eye on the record if any changes.

Many thanks for the information.

cheers!

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As stated above it may show various times...but its all the same debt/default so is only taken into account once.....and the rest of the trail is there for history.

We could do with some help from you.

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We are very well thanks N Hope and suitably refreshed to pick up and take on the enemy on this beautiful day:-)

We could do with some help from you.

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And there you have your BC Consent...its your choice now if you wish to end this or proceed.

 

Andy

We could do with some help from you.

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Well, I think it is better to proceed as they have not prove to me that I actually own the money. however, if they have attached the agreement and evidence of assignment I will end it.

 

Aside that my defence relies on CPR r 16.5 (3) and they should respond to that..

 

Even, If I proceed would it add to the cost?

My question is, can they ask the court to strike out my defence as stated on the letter?

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Thats your prerogative ...they may disclose at Standard Disclosure (when you get to that stage) the Court may decide given the overriding objectives and balance of probabilities they will find in the claimants favour..or if you refuse the consent order BC may just discontinue the claim....

 

Just some points you should take into consideration when making your decision.

 

Andy

 

Even, If I proceed would it add to the cost? Yes

My question is, can they ask the court to strike out my defence as stated on the letter?

Yes

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 OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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