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    • Hi   With a SAR all you have to do is ask for 'ALL DATA' (this way it does not matter what format they hold that data whether it be digital, email, telephone calls (recorded), written etc).   They then have 30 Days to comply once they have acknowledged your SAR Request (that is unless they require ID Verification) which the 30 Days time limit does not start until they have verified your ID if requested)   Also can I add in DHL response in post#36 I hate it when any Company/Business etc. has the nerve to use the get out clause of 'Human Error'.    This is not the case as it was 'Maladministration' by DHL' not 'Human Error' as stated to you, irrespective of who/which employee of DHL made the 'Human Error' the buck stops with DHL as who/which employee made that error was Employed by DHL.
    • pop up on the MCOL website detailed on the claimform. [if mcol is not working return after the w/end or the next day if week time] .  register as an individual  note the long gateway number given  then log in .  select respond to a claim and select the start AOS box. .  then using the details required from the claimform .  defend all  leave jurisdiction unticked   goto the defence filing section  file the following:     1 The Claimant's claim was issued on (insert date).  2 The Defendant contends that the Claimant's claim so issued is a claim in contract and is statute barred pursuant to the provisions of section 5 of the limitation act 1980.  . If, which is denied, the claimant contends that the Defendant is in breach of the alleged contract, in excess of 6 years have elapsed since the date on which any cause of action for breach accrued for the benefit of the Claimant. .  3 The Claimant's claim to be entitled to payment of £[insert figure from their POC]  or any other sum, or relief of any kind is denied. .. ..ends..   dx          
    • I passed on the article and link to friend. Between us we will now try get the required info to the correct location so that they (whoever in the Govt) can sort out what he is owed. I will keep you updated.  This thread may help others in similar situations. Ethel Street - very helpful research.  Thank you.  Seems like you came up trumps!
    • numerous erudio/drydens claimform threads here already - use our search top right.   your appears to be statute barred as you've never heard of erudio so would not have deferred since your last direct deferment to SLC in 2013    if you wish to bother to even send CCA/CPR that's upto you but the bottom line is to erudio you've ignored everything to date yoy might also ignore a claimform.   but ofcourse you are not!!   if the above is true   pop up on the MCOL website detailed on the claimform. [if mcol is not working return after the w/end or the next day if week time] .  register as an individual  note the long gateway number given  then log in .  select respond to a claim and select the start AOS box. .  then using the details required from the claimform .  defend all  leave jurisdiction unticked   goto the defence filing section  file the following: 1 The Claimant's claim was issued on (insert date).  2 The Defendant contends that the Claimant's claim so issued is a claim in contract and is statute barred pursuant to the provisions of section 5 of the limitation act 1980.  . If, which is denied, the claimant contends that the Defendant is in breach of the alleged contract, in excess of 6 years have elapsed since the date on which any cause of action for breach accrued for the benefit of the Claimant. .  3 The Claimant's claim to be entitled to payment of £[insert figure from their POC]  or any other sum, or relief of any kind is denied. .. ..ends..   dx      
    • Well I would want my £50 back also but hey ho if your satisfied its been resolved.....there was no way you could ever be liable anyway as your contract was with TC not RC.   Thread title updated.   Andy
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What happens to a charging order if the debt has been sold?

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I have 2 old charging orders registered on my property. The first was for a lloyds debt which I have been paying £50 a month for years, after the 6 years following the Ccj lloyds sold the debt to moorcroft but land registry still shows a charging order.

The second was for direct auto finance and still shows as an interim order from years ago. They have never contacted me asking for payment.

I am now happily in a good financial position and want to remortgage. I have a mortgage offer from Halifax and the Conveyancing has started. I am happy to pay any monies owed but I just want to know who I should be paying and how o get the restrictions lifted. Surely if lloyds sold the debt they aren't intitled to keep a charging order as I don't owe them anything! Equally I would assume by now direct auto sold their debt on I seem to recall a letter years ago from hillsiden though I can't be certain. Any advice on what to do?

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Moorcroft don't buy debts...so Lloyds still own it

 

 

as for DAF yes car I believe they are now provident.

 

 

not hold on a tick.

 

 

if it says RESTRICTION

then there no need to tell anyone until AFTER the house is sold [if you want too!]

 

 

can I assume the debts were yours but the home is jointly owned?

 

 

if that's the case they are a restriction K

you dont have to tell anyone you are selling nor pay them.

 

 

read what it SAYs CAREFULLY.


..

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Moorcroft don't buy debts...so Lloyds still own it

 

 

as for DAF yes car I believe they are now provident.

 

 

not hold on a tick.

 

 

if it says RESTRICTION

then there no need to tell anyone until AFTER the house is sold [if you want too!]

 

 

can I assume the debts were yours but the home is jointly owned?

 

 

if that's the case they are a restriction K

you dont have to tell anyone you are selling nor pay them.

 

 

read what it SAYs CAREFULLY.

 

 

The OP isn't selling the house, but remortgaging it.

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