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    • forget any warranty, that is not worth the paper it is written on and does not replace, null, overrule or compromise your consumer rights.   tell us about the car? was this a new car you bought or 2nd hand is it on finance or yours when did you purchase it and from whom.
    • Claimant - Perch Capital LTD sols TM Legal   Issue date 19.11.2021   date for defence  - 21st December.   Exact wording of Particulars of claim -   1.The claimant claims this amount in respect of an unpaid loan, regulated by the Consumer Credit Act 1974. The loan was funded by GAIN Credit LLC.   2.The defendant has failed to make payments in accordance with the terms of the credit agreement.   3.The credit agreement was assigned to the claimant, upon which a Notice of Assignment was sent to the defendant.   4.The defendant has either failed to respond to the claimant or has failed to make regular payments.   5.The claimant has issued a letter of claim, providing the defendant with a further opportunity to arrange repayment of the outstanding balance to no avail.   What is the total value of the claim? £1668.00 + £115.00 court fee + £80.00 legal rep fee. Total £1863.00   Have you received prior notice of a claim being issued pursuant to Paragraph 3 of the PAPDC? Not known   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? Yes   Did you inform the claimant of your change of address? No.   Is the claim for a bank account (overdraft) or credit card or loan or catalogue or mobile phone account? Loan.   When did you enter into the original agreement, before or after 2007? After 2007   Do you recall how you entered into the agreement? Online.   Is the debt showing on your credit reference files? 5 separate entries for Perch - 1. Opened 3.3.2018. Opening balance £150. Current balance £270. Updated Aug 2021. No data. 2. Opened 3.4.2018. Opening balance £250. Current balance £458. Updated Aug 2021. No data. 3. Opened 4.4.2018. Opening balance £170. Current balance £312. Updated Aug 2021. No data. 4. Opened 29.3.2018. Opening balance £350. Current balance £627. Updated Aug 2021. No data. 5. Opened 24.2.2018. Opening balance £400. Current balance £324. Updated Nov 2021. No data.   **No matter how I try, I cannot get any of these to add up to the claimed amount**   Has the claim been issued by the original creditor or was the account assigned and it is the debt purchaser who has issued the claim  (Perch)    Were you aware the account had been assigned - did you receive Notice of assignment? He doesnt know, all correspondence sent to a previous address.   Did you receive a default notice from the original creditor? Again, any correspondence sent to previous address.   Have you been receiving statutory notices headed "Notice of sum in Arrears" or "Notice of Arrears" at least once a year? Again, maybe sent to previous address.   Why did you cease payments? Never made any.    What was the date of your last payment? None made.   Was there a dispute with the original creditor that remains unresolved? No.   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No.
    • sorry i was getting confused this is an old bill at your present address.   there is little they can really do they can't fit a prepayment meter or cut you off, they are not your current supplier. they could get a DCA involved and no they can't add any penalty fees for doing that, they are unlawful, and as you already know? from reading my sig below, a DCA is NOT a BAILIFF and never can be, they have ZERO legal powers on ANY debt no matter what it's type.   they COULD go for a CCJ ...BUT they would HAVE to abide by the pre action protocol letter of claim FIRST which you could then raise a new dispute over.       have you stated this to them?
    • Yes an old account but at same address , I have been a home owner there for about 8 years. The linked address is showing as my parents address    im wondering what action EDF are likely to take ?.. 
    • My experience of dealing with Insurance for years and now having worked in public sector dealing with Housing Associations, is that sheds provided with HA properties don't often form part of the HA's responsibilities.  The shed is provided as an extra storage facility on a courtesy basis, will not be included in any tenancy information and will not be insured by the HA.   A tenants own Contents Insurance policy can include some items that would be classed under Buildings for standard Insurred perils including storm damage, damage from falling tree/branches, however, any cover will most likely exclude damage to sheds.  You may be able to claim for the shed contents.   Check all of the documents as suggested by other, but I think you will find yourself responsible for clearance of the tree and if you want a shed, you will have to replace it.   And you will find it very difficult to claim against the School for not maintaining the trees. If you tried to claim against them, they will pass it to their Insurers, who will say that this was a once in 20 years storm and the trees falling had nothing to do with lack of maintenance.   Nb.  If the HA won't help with costs of removing the tree, you could contact the local Council Authority to see if they can help as they may provide this service to residents.
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Barclays want business loan repaid


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Sorry, but I am finding difficult to start a new thread. My query goes like this: My husband runs a company and it has an overdraft which was turned into a loan. This was not secured and Barclays bank sent letters for us to agree to have the debt secured on the house. I refused to sign mine as this was not the original agreement. My husband agreed to pay a certain amount towards the debt.

Now the Bank has sent my husband a claim under a guarantee claiming that the whole amount should be paid plus court fees and solicitors costs. They have also written to him advising that they are closing all his accounts with them.

 

My question is would the bank seek a charge on the property for a business debt of a limited company which was not secured at the beginning the loan was agreed?

 

Your help and advice will be appreciated

 

Thanks.

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Hi Kanana,

 

New thread started for you.

 

Was the loan made to a Ltd Co.

 

Did YH sign some sort of Guarantee.

 

Has YH set up alternative banking arrangements so trading and personal banking can continue when Barclays close his a/c's.

 

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Hi Kanana,

 

You said in post #1, that you refused to sign papers agreeing to the debt being secured on your property. I assume YH subsequently signed different papers which set up the guarantee.

 

Even though the loan was made to the Ltd Co, YH agreed to the guarantee and this is what the bank will rely on in seeking a CCJ. They may also seek a Charging Order against YH's share of a jointly-owned house.

 

Have the bank threatened court action at this stage, or has YH received a court claim.

 

See this thread about complying with the strict deadlines that apply to court claims - http://www.consumeractiongroup.co.uk/forum/showthread.php?419198-You-have-received-a-Claim-What-you-need-to-do.-**UPDATED-April-2014**

 

:-)

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

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

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