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    • Hi   Your Document in post#11   Does not state anywhere that the Council have Served an Eviction Notice only that they are trying to find another property for the Tenants. (they could be stating what is mentioned in that Document as they probably expect that you the Landlord are going to serve Eviction Notice to the Tenants as you have ended your Agreement with them the Council)   You have still not answered the important question I asked at the beginning of my post#9 ???   I will ask again when you gave the correct Termination notice as per Clause 7 of that Agreement and the Council accepted it did you at the same time inform the Council to Service an Eviction Notice to the Tenants as No Fault as you required the Property back???
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    • immaterial   the claim is not about if the PAPLOC met requirements. judge wont give a flying...   just file our std loan defence...   example Defence    1.The Defendant contends that the particulars of claim are vague and generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made.    2. Paragraph x is noted and accepted I have in the past had financial dealings with [insert Original Creditor].I do not recall the precise details or agreement and have sought verification from the claimant and their solicitors.    3. Paragraph x is denied I am unaware of any legal assignment or Notice of Assignment allegedly served last year from either the Claimant or [Original Creditor]    4.It is therefore denied with regards to the Defendant owing any monies to the Claimant,   the Claimants solicitors have failed to provide any evidence of assignment/balance/breach requested by CPR 31. 14 on date xxxxx ,and the claimant remains in default of my section 7*  request, dated xxxxxx   therefore the Claimant is put to strict proof to:  (a) show how the Defendant has entered into an agreement; and  (b) show how the Defendant has reached the amount claimed for; and  (c) show how the Claimant has the legal right, either under statute or equity to issue a claim;    5. On receipt of this claim I requested by way of a CPR 31.14 request and a section 77/78 request, copies of the documents referred to within the Claimants particulars to establish what the claim is for.   To date the Claimant has failed to comply to my section 7* request and their solicitors, [name them], likewise     6. As per Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed.    7. On the alternative, as the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of Section 136 of the Law of Property Act and Section 82 A of the consumer credit Act 1974.    8. By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief. ..check and edit to suit.            
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Four hundred pound charges - in one month!


Thora Trumpet
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I had to do a job paying rubbish wages for a month and my bank account suffered - I went over my agreed overdraft and some items were bounced from the account. It was only when I went through the charges since 2nd October yesterday that I realised that First Direct had taken £400 in charges - including two £75 charges for going over the limit.

 

I wrote to them and asked them to refund it and got a letter back asking me to ring them which I did.

 

The Woman I spoke to put me on hold so she could, she said, check the notes on the account and after she was gone ages said there were another £120 charges to go on next week and as one of the charges had put my over my overdraft limit she would refund that. When I told her that was unacceptable she offered to refund half the charges yet to go onto the account - some offer!

 

I told her that wasn't on and she just went on about me having to write in - which I did this morning and asked for the lot to be refunded. I don't want to get medieval on their ass just yet as I did like them before this but I'm going to be in serious financial difficulties if I don't get that cash back.

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This appears excessive in the least, do you have a fall back account? Ask for a copy of all statements for the last 6 years, and filter out your charges - you might be surprised! S.A.R - (Subject Access Request) next!

 

 

This was my fall back account from Barclays :D

 

I've only been with them since July, I've written a semi polite letter to them and will use the SAR on them if they don't respond in a helpful manner.

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You should have accepted the offer of half for now and still goen after them for the rest, it would have alleviated the problem temporarily ayway.

 

Still, what's done's done... Hopefully, they won't give you too much hassle, but be prepared to switch accounts, as they're part of HSBC and have been known to close accounts, not on the first reclaim, but on the second.

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You should have accepted the offer of half for now and still goen after them for the rest, it would have alleviated the problem temporarily ayway.

 

Still, what's done's done... Hopefully, they won't give you too much hassle, but be prepared to switch accounts, as they're part of HSBC and have been known to close accounts, not on the first reclaim, but on the second.

 

I know but the offer was only £37.50 and having £60 charges instead of £122 on the account next week meaning little real difference to the account. I'd be sorry if they closed the account as I have been pleased with them apart from the charges but I can't go on like this.

 

I simply didn't realise the charges would be so high £400 in a month regardless of the way the account was managed seems very extreme. My new job will get me back on my feet but not if the bank keeps taking these charges.

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Thora - this doesnt surprise me at all with F.D. I have been with them for just 12months and am claiming back £800.00. None of their charges seem to make any sense at all, well not me anyway.

 

Good luck with your case

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