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    • once a debt has had a default notice issued thus resulting in a defaulted date being registered, it reaching it's 6th birthday and thus removing the whole account, it can never comeback.   ok yes, if you fail to keep your debt owners updated with any subsequent moves, which you must for say 7yrs to be sure (which does not reset anything)  if if if a CCJ were ever to be attained and registered - that CCJ would show but not the debt itself return.   as long as a debt owner always has your correct address then a letter of claim if ever issued can easily be dealt with, but much better to comeback here in case wisdom on dealing with those changes down the line.   as for settling debts via an F&F to a dca that owns any debt - , totally pointless, in many cases it doesn't make it go away, they just await till 6yrs has almost expired then try for the rest or sell it on and they try for it, plus you giving the DCA free money to fund harassing everyone else they try and mug..   If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight...   
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    • No it's not on my credit file, never has been either 🤷‍♂️
    • Ok thank you. So, am I implying correctly that even though I am overseas, and able to have any correspondence to the UK address forwarded to me, there is still a chance that bankruptcy proceedings could be brought against me?   Selling the property isnt really an option.    Also I'm a bit confused. In reply ~12 the advice is to get the defaults and let them run their six year course, but if I make small payments wouldnt that keep the clock running?
    • Well, we have also been done by Yewtree Cars/James Harrison! We bought a Land Rover Discovery from him off a dealer site on 28th December 2020. He advertised it as 1 loving owner (true, I tracked him down on Facebook, really nice guy!) throughout the advert WOW full dealership service history, WOW new cambelt, WOW new MOT, WOW full valet including decontamination clean WOW, WOW, WOW!!! We paid £4500 for the car plus £280 for delivery from Solihull to Winchester. He sent 3 texts reminding us to ‘look after the delivery guy cuz he’s a top man’! Soon worked out that HE was the delivery guy! They dropped the car off and scarpered. It was dark when it arrived, initial thoughts were it was disgusting inside. I have never seen such a filthy interior. He even left his sweet wrapper inside. He drove the vehicle down to us (we thought that we were paying for a transporter). It was running on fumes, so we took it out to get fuel. Straight away noticed automatic gearbox slipping. Not a good start. Next day messaged dealer asking for the receipt, twice, he said that he was in Dubai (in his dreams!) for 2 weeks but would send it when he got back.  Before he delivered the car, he said that if we weren’t happy he would personally come and collect it. Sent him a message (I like to keep proof of conversations) to say that we certainly weren’t happy and wanted to return it. His reply was - SOLD AS SEEN, YOU GOT A CHEAP CAR! Thinking we would have to cut our loses, we had a new gearbox put in, only to find that the crankshaft had also gone and then the bottom part of the engine had to be replaced. Also the suspension at the front was leaking oil (mentioned as an advisory on the previous mot, which he said had been done). He forged an entry in the service book saying that it had just had a cambelt change (false Land Rover stamp), confirmed by previous owner and Land Rover. So, after 8 weeks of being at the garage and £7000 - YES £7000! later we certainly did get a cheap car from him. Are we going to let this go? NO! I have found out his real name and I am going to pursue him through the court until I get this money back. He is the worst kind of confidence trickster, a lier and a thief. We will have no hesitation in scouring Solihull for him, whatever it takes.
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
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    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
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I moved into a housing association property around three years ago. I received a letter from the housing association today stating that they now intend to introduce a service charge for the TV aerial maintenance costs and the door entry intercom maintenance cost.

 

The reason why these new costs are being introduced from the 1st April is that when the tenancy agreement was signed the housing association did not apply the correct charges for provision and maintenance, however they will not be seeking the recovery of previous costs.

 

Surely because a contract had been signed it cannot be changed?

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Which Housing association is this?

 

Is this a new build?

 

I would hazard a guess that what they are actually doing is correcting the service charge statement to show exactly where the service charge is going rather than just having a 'Miscellaneous' heading.

 

I doubt it will add anything to the service charge?

But like mine, I go through it every year and always, well nearly, have them explain the costs and what they mean.

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!

 

 

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It's an annual maintenance charge, divided between all benefiting Leasholders, which can be varied due to increased costs, provided any increase is notified before payment is due. (Done with3 months to spare). I doubt the increase per T, for specified use, will be a significant amount, unlike replacing the roof etc. Check your Lease/Head Lease, I think you will find varying maintenance charge is permitted if advised in advance during Lease.

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Thank you for all of your replies.

I don't believe that this is an annual maintenance charge, the letter from the housing association states that "when you signed the tenancy agreement, the housing association did not apply the correct charges for provision and maintenance".

Which suggests that an error was made with the tenancy agreement?

 

Furthermore, there was previously no service charge for these services i.e The TV aerial maintenance charge and the Door Entry maintenance charge.

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The HA is more than entitled to increase or indeed introduce a service charge (if one previously never existed) especially if you have communal areas of a property or parts which require maintenance/repair eg TV Ariel or intercom system.

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The HA is more than entitled to increase or indeed introduce a service charge (if one previously never existed) especially if you have communal areas of a property or parts which require maintenance/repair eg TV Ariel or intercom system.

 

So what you are saying is that all social housing tenants can now expect service charges being introduced for all repairs and maintenance work?

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Yes, exactly that, I'm in Social Housing too with Radian, they have an annual service charge which is on top of the rent, this varies from year to year.

 

Every year they send the resident their new Rent, which includes the service charge, and it has a breakdown of what that service charge is for.

 

So, the intercom system is on there, and door maintenance, gardening, etc, it shows what they spent last year, and the expected costs for the coming year, and the amount they are charging each household.

 

There are some things which they cannot charge residents for, such as structural repairs, but you would need to search that out and check HMO's and what they can and can't charge for.

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!

 

 

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they had the right to charge for things and just didnt as they forgot to. They are now correcting that. It is not a new chnage to your tenancy, it is just changing the amount they collect from you.

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