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    • Hi folks,   long story and going back a few years.... Ok I’m in the process of selling my house and discovered that a charging order is on the property. This is from a old Lloyds loan sold to 1st credit which is now intrum.  The CCJ was issued back in 2015 and the charging order in 2016. Ok, now the nitty gritty stuff is that when I found out about the CCJ I was in the middle of complaining with Lloyds bank regarding the loan as I was complaining that the loan should not have being offered to me at the time on affordable issues as it was to consolidate my debts at the time and expecting our 3rd child in 4 years. however, the bank sold the debt on with the wrong address and can be proven with the address they was writing to me as the complaint letters had my correct address at the time. The bank also written to Intrum outlining the mistake they made and in giving the wrong address when selling the debt, and have letter confirmed to me this information was passed on. So intrum went ahead and got the charging order knowing the address was incorrect and that I would not get any correspondence. intrum is now demanding £10.5k from the house sale. This is a sole debt on a joint mortgage. I have told the solicitor dealing with the sale this doesn’t need to be paid, but she is saying because they wrote back to her stating the amount owed, it now has to be paid. should I try and get this set aside with the issue of the address? Has it being to long? In fairness I have only just found out about the charging order. The mix up with the address is it is my property,  how I have never lived in it and have never had my bank accounts listed to that address. I think when I ran into trouble back in 2012 I think they must have done a search and got it that way.   any advice would be great. cheers.  
    • the four bills mentioned are combined water and sewage. totally agree with you why did they let her go on for so long?   The defence I took the template from this site but amended that the POC did not have an account number nor was there any supporting paper work referring to the debt. That we have requested this information in order to prepare our defence.    
    • it could be helpful to post up their contract with Southend airport and photos of where they filmed you stopping ie road markings and street signs.
    • Could this poss be a case of the org bills for these years being for the water supply and these new bills are for sewerage and drainage That they poss never charged for and later found their mistake out ?   Just trying to work out how you were allowed for so many years to under pay and them never to date say anything ?    
    • I work as a medical secretary in our local General Hospital.  I've been in the same department for 6 years, 5 as bank staff and 1 year as permanent, my contract is for 18.5 hours, which I do over four days with a short day on Friday; I'm the only secretary in the unit.  Since Covid I've been working from home (which the hospital has encouraged staff to do) but go into the department on one day per week.  A few weeks ago I was logged on and ready to work when I got a call from my manager at about 11 30 a.m. to say there would be no letters to do that day, so I could either owe them the time or take it as holiday. My question is if I'm ready to work according to my contract, but there is no work, should I have to "owe" the hours or use my holiday with an unexpected (and unasked for) day off.  While no the question was left up in the air when this happened it has now arisen again because I did an extra day last week and I hoped to get TOIL on my birthday next week but have now been told I should use that extra day to cover the day when there was no work for me. Due to the extra work everyone in the NHS has done due to Covid I don't really want to make a big thing of this - I love working with my colleagues in the department - but I would like to know whether my boss is correct that I have to make the time up.  I was ready to work; is it my fault if there wasn't enough for me to do that day? 
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Cabot/Mortimer claim form for old Egg credit card 'debt'

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yes which why you p'haps don't do so

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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It only admits liability to 25% and would be agreed and bound by way of a Tomlin Order....I wasn't aware of your financial circumstances sid...so the paranoia will have to prevail

We could do with some help from you.



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