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    • ok well that changes things alot. you've accepted one before by email  and now they are doing it again ..   might have shot yourself in the foot until now lets get some 1st aid done.   gonna be a pain to redact but i'm gonna need to see all the emails in/out please in ONE MULTIPAGE PDF from/inc  date of their last PAPLOC   redact them properly !! read our upload guide carefully   you may  think this is immaterial, but its not, esp important is their and your exact wording
    • OK I've looked back at my emails and it appears I've been dealing with shoosmiths since the start of 2019 when they sent a LBA that I'd totally forgot about.   I replied that I didn't recognise the debt and we got into a big letter tennis over the facts.   They then went quiet and then contacted me again in April 2020 asking for income and expenditure details to work out a payment plan with them.   After I responded with my covid comments they went quiet again.   And now they are back with another LBA and I haven't responded to that.   Hope that clears it up. 
    • you are not being consistent here....   when did you last reply to any of them using email please
    • No, they contacted me in April 2020 not long after covid had hit the UK, but before any government support was announced.   They knew I was self-employed so I responded how I thought it was disgusting that they were threatening people with legal action at a time when many people like me were loosing their income and struggling to pay basic bills and buy food.    Looking back at it the only difference this time is the Letter Before Action, to ramp up the pressure to agree to payments, I assume.
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Acenden repossession court order


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all your associated threads have been merged....

 

 

how many more times are these wolves going to try this!!

 

 

how did you get on with the reclaiming of fees and arrears fees?

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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all your associated threads have been merged....

 

 

how many more times are these wolves going to try this!!

 

 

how did you get on with the reclaiming of fees and arrears fees?

 

Thank you dx. Didn't have a clue where my old threads were. I didn't proceed it and I actually got a letter from them telling me they owed me money but took it off my arrears

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Hi, as this is a repossession hearing not an eviction hearing, you just need to hand in a statement together with a copy of the letter accepting your offer. If you need help with the statement let me know.

 

 

Might be worth ringing the lender to see if they have cancelled ?

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Thank you dx. Didn't have a clue where my old threads were. I didn't proceed it and I actually got a letter from them telling me they owed me money but took it off my arrears

 

 

when this latest repo done

pull my chain and well get things moving.

if you've not sent an sar since 2011

and not been getting statements

might be an idea to send a new one..

we'll need all the statements for both the loan and the mortgage.

 

 

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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Share on other sites
Hi, as this is a repossession hearing not an eviction hearing, you just need to hand in a statement together with a copy of the letter accepting your offer. If you need help with the statement let me know.

 

 

Might be worth ringing the lender to see if they have cancelled ?

 

 

I went on page 13 and copied that statement. I was going to adjust some words.

I got a form from the courts in the post. Telling me to fill it in and not ignore it. Do I fill this in also.

 

How much is the n244 form to he handed into court. I can't find the costs

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You don't need an N244 that is only for eviction situations. The court will have sent you an N11 M defence form? You can fill it in you want but it's a pointless exercise if the lender has already written to you to say they have accepted your offer. I would suggest taking a statement to the court next week stating that you have come to an arrangement with the lender and therefore a hearing is a waste of the court's time.

 

 

Have you rung the lender to see if they have cancelled ? best to do that - you might not have to worry about attending a hearing.............

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You don't need an N244 that is only for eviction situations. The court will have sent you an N11 M defence form? You can fill it in you want but it's a pointless exercise if the lender has already written to you to say they have accepted your offer. I would suggest taking a statement to the court next week stating that you have come to an arrangement with the lender and therefore a hearing is a waste of the court's time.

 

 

Have you rung the lender to see if they have cancelled ? best to do that - you might not have to worry about attending a hearing.............

 

I'm at work at the moment. I will ring tomorrow

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  • 2 weeks later...

Ring the courts to check - they have been known to 'forget' to tell the court. Also when you ask them for a statement remind them NOT to add the solicitors charges and fees for this date too.

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  • 5 months later...

Hi all. Yes I am having problems.

 

I have had a field agent from excel to my house. Buy have missed him as I have been at work.

They've asked me to ring them about my payments to acenden.

I come to an agreement with acenden to pay an extra £75.00 per month on my arrears and they accepted. I did receive a letter to say that a field agent was coming out. But never thought anything of it. As I have been paying them every month since April.

There was one month I did miss but I the missed payment the month after. And I did inform them of this via online enquiry form.

I need to ring the field agent today before he passes back to acenden and they decide to take it to court.

 

I'm just after a bit of advice please. Thanks

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They will now try to charge you for the field agent's visit and they are supposed to let you know that they are sending one - they can't just turn up unannounced. As you are up to date with your agreement you don't need a visit and you need to write to them advising that you did not ask for the visit, nor did you need it, so you don't expect to be charged for it. Also point out that your agreement is up to date.

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

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have you reclaimed yet all the unlawful fees arrears visits letter phone calls falled dd.

 

 

???

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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Share on other sites
They will now try to charge you for the field agent's visit and they are supposed to let you know that they are sending one - they can't just turn up unannounced. As you are up to date with your agreement you don't need a visit and you need to write to them advising that you did not ask for the visit, nor did you need it, so you don't expect to be charged for it. Also point out that your agreement is up to date.

 

I did get a letter telling me an agent will be out. But thought nothing of it as I am upto date with my payments. Do I call the agent or send a letter to acenden.

Can you help me with a letter. I know your are good with your words ell-en

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Look at ells recent posts she did one not 10 days ago here

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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never ever ring these people

they are out to fleece you

there are no laws whatsoever that state you must talk to anyone

least of these people

you'll make them feel important they are not!!

 

 

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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Share on other sites

reclaiming is your first priority IMHO.

 

 

get am SAR running NOW

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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Here's a suggested letter

 

 

(Your address at top right)

 

(Their address left)

 

Date

 

mortgagelink3.gif Account No:

 

Dear Sirs,

 

COMPLAINT

 

On (date) we had a visit at our home from a gentlemen claiming to be there at your request to ascertain our financial situation. This gave us quite a shock as we had at no time requested or agreed to such a visit. You have had all the relevant financial information from us already - payments are up to date in accordance with the court order and we can see no reason for this unwanted intrusion.

 

Therefore, please treat this letter as a complaint under your official complaints procedure.

 

Given that we had no opportunity to either agree or refuse this unwanted and unnecessary service we do not expect to be charged for it.

 

Yours faithfully,

  • Haha 1

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Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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there you go get that running^^^

1st class free proof of posting will do.

 

 

now reclaiming...

 

 

every month you are in arrears I bet you have an arrears charge of £35-£40 levied?

got any statements?

PENALTY charges...ie they FINE you for doing something or not doing something

{sending you a letter, making a phone call, sending a debt collector/advisor]

they will fine you

these charges and fines are ALL RECLAIMABLE!!

and at their interest rate.

 

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?296108-Hot-news-for-anyone-who-has-suffered-mortgage-arrears-charges-irresponsible-lending-or-other-unfair-lender-conduct

 

 

...................

 

 

as for arrows..no they cant send it back

its been SOLD to them

that's why something here smells BADLY.

 

 

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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