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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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Claimform Arrows - HSBC Account card/cheque fraud***Claim Discontinued***


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Along the lines but its still requires further work......did you ever get a crime reference number?

We could do with some help from you.

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If you could......has their default caused any damage/distress to your credit rating and you?

We could do with some help from you.

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Hi Andy,

 

My Wife and I never actually noticed a problem with our credit rating. It's always been fine for as long as I can remember.

 

Managed to get a crime reference number today and the name and collar number of the officer who dealt with the case.

 

 

Will also be looking to request details of the investigation etc and been advised to contact the Freedom of Information team;

although told this could take quite some time as it's been around 11 years since the incident occurred.

 

How else could I develop the defence?

 

 

I'm just wary of time frames and want to ensure I get our defence in before the deadline.

 

Thank you for your help.

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I will draft you a suitable defence....just give me a nudge a few days before.

 

Andy

We could do with some help from you.

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Yes sure but will be in the morning now...long day...defence head is tired:sad:

We could do with some help from you.

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Would have preferred this morning as per my last post not 4.00pm in the afternoon.What date is it due?

We could do with some help from you.

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Particulars of Claim

 

1. The claimant clams payment of the overdue balance due from the Defendant under a contract between the defendant and HSBC dated on or about 17/11/1997

and assigned to the claimant on 13/05/11 in the sum of 9509.00

 

PARTICUALRS a/c NO: XXXXXXXXXX

 

DATE ITEM VALUE

03/07/14 Default Balance 9509.00

Post Refrl Cr NIL

 

TOTAL - 9509.00

 

Defence.

 

It is denied that I am indebted to the claimant for the amount claimed.It is admitted that I did hold a current account with HSBC in 1997.

I was a victim of account fraud which was brought to HSBC attention dated xxxxxx and also reported to my Local Police.

 

The crime number is xxxxxxx dated xxxxxxxx.

 

HSBC ignored my complaint, failed to investigate the matter or offer any compensation to rectify the fraud.

 

It is therefore denied that I am indebted to any amount or any responsibility of the account number in question.

 

I ask the Court to dismiss the claim in its entirety for the above reasons.

 

 

 

 

Edit to suit add anything relevant I have missed...copy and paste into MCOL.

 

Regards

 

Andy

We could do with some help from you.

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Sorry Andy, I was out at 4am this morning and on the road all day. Thank you very much for this. I really appreciate your help.

 

I believe the due date is the 3rd or so I worked out but not sure if it needs to be in before this date or by the end of the date.

 

I'll edit it with the crime reference number and send it tonight.

 

Thank you once again.

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Sorry Andy, I was out at 4am this morning and on the road all day. Thank you very much for this. I really appreciate your help.

 

I believe the due date is the 3rd or so I worked out but not sure if it needs to be in before this date or by the end of the date.

 

I'll edit it with the crime reference number and send it tonight.

 

Thank you once again.

 

Not a problem ...I understand if you are working so hard.

 

Regards

 

Andy

We could do with some help from you.

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  • 2 weeks later...

Hello,

 

 

Just a quick update. Received the attached letter today from Reston's who are asking for more information (also attached) as part of their 'clients procedure'.

 

 

They were provided with the crime reference number and the year in which the incident took place as per the defence but not smaller details such as the date it was reported, officer who dealt with case or the police station it was reported to etc.

 

 

Should I need to respond to this or ignore it?

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You are not at liberty to comply with that at this stage.. Arrow are not party to the fraud..it was HSBC so it is pointless as the Police will not deal with them.

 

Andy

We could do with some help from you.

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  • 1 month later...

don't forget to use PDF

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Just complete it Trans...its of no use to them.

 

Andy

We could do with some help from you.

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You're not under any obligation (unless it comes from a court) as the claim is stayed...its not going anywhere anyway.

We could do with some help from you.

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  • 2 months later...

Hi Andy,

 

 

How should I proceed with Restons?

 

 

We received a few letters from them asking to complete Arrow's fraud form which we have ignored.

 

 

Today we receive a letter (attached) threatening to Strike out the Defence and suggesting we complete a N9A as a consequence of a transaction log (also attached) which they enclose showing payments made to Tessera.

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so, arrows [Tessera] spoofed her into paying

so what

then flogged the debt to 1st credit

 

 

still doesn't explain the fraud.

 

 

IMHO ignore them still

 

 

see what andy says

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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