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    • Hi LFI, With regard to the ANPR cameras in your post #65, while I was on the phone to the Planning Department, they did take a look at Google Streetview and went back to 2012 where they could see the ANPR cameras in place so therefore they would have deemed consent. I had previously read the T&C Planning Regulations and had read the section on deemed consent so I understood the point they made on the phone. It doesn't matter though, that doesn't harm my case any, and I shouldn't really mention this now, (this is what you reminded me of on another thread) but in the past I was a member of a scheme that gave me access to legal advice, I have spoken to a barrister previously through this scheme on another matter and I think I am still a member. I am going to check if I am still a member of the scheme, and if I am I will discuss my case with a barrister or solicitor, whichever the scheme deems appropriate. I will let you know the outcome. I am also going to take Bankfodders advice in the sticky and go to the local court and ask if I can sit in on a case in the Judges office.
    • deed?  you mean consent order you and her signed? concluding the case as long as you nor she break it's conditions signed upto? dx Yes sorry. they called it a deed at first in court.  Then Judge said she was happy to have it sealed as something else  exact names of orders in message above.     The disease was tested for when his cardiac testing was done immediately after purchase and part of the now sealed case.   However, results were disclosed incorrectly and I only found out  two days ago.   This disease did not form part of my knowledge during the case as I had been informed of a normal result that was not the case.   it is perfect clarity of a genetic disease where as the previous cardiac issue could be congenital until the pup is genetically tested. 
    • Hi, Halifax recently sold a credit card account of mine to Cabot. I am unemployed and have no assets and was thinking of making token £1 payments for 12-18 months in order to drag things out a bit and reduce the chance of Cabot being able to get the correct CCA documents from Halifax if I requested them in future. However, I saw on the pages on this forum about defending county court claims that one of the standard approaches when defending such claims is to say “I had an account with bank X, but I don’t remember the details and so don’t know if I owe this debt…”. If I made £1 payments to Cabot, would it prevent me from using such a defence in future? OC: Halifax DC: Cabot/Wescot Card account opened: 2016 Defaulted: 2023
    • Paperwork says sealed consent order and composite settlement agreement      YES  ADDISONS DISEASE 
    • Hi, This may be the wrong place for a thread BUT If you receive a defence, can you send a CPR 31.14 request for document mentioned in the defence, and then apply to proceed with the case only after (14) days passed or they respond OR is it only if you receive a claim I see @dx100uk thread is for when you receive a claim, but can you also do the same when you receive a defence?
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Halifax/Ascent - home repossession***Suspended* **


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Hi, you did the correct thing in getting the address for the relevant department, it saves any delays in the letter getting to the right person.

 

 

Affixed is a draft letter for you to look at. You need to put Halifax address in and the mortgage account no. Also within the letter there are XXX's where the amount you are offering needs to go. Remember to keep a copy for yourself and also keep the postal receipt safe so you can check they have received it and print off the signature.

 

Thank you !!! That letter is great ! Should I address the letter I have just recieved ( see next post )

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OK, amend the figures on the sheet and make sure you leave yourself plenty of money to live on. I have affixed our budget sheet which calculates automatically as you fill it in, it might be helpful to get you to the right figures.

 

 

Take a copy of the letter you have received and your amended budget sheet - circle in red pen the part which says "if you can only offer a small amount etc) and affix these copies to the letter you are sending - just to point out to them that one lot doesn't know what the other lot are doing !!!!

Budget Sheet.xls

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No harm in sending two lots

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I would say it's pretty likely although there's no guarantees. However, if they do not withdraw then you have some amunition to go to court with i.e. you tried to come to an arrangement but they didn't agree - that won't go down well with a judge.

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I would say it's pretty likely although there's no guarantees. However, if they do not withdraw then you have some amunition to go to court with i.e. you tried to come to an arrangement but they didn't agree - that won't go down well with a judge.

 

Even though u have had several evictions cancelled by Halifax over the last 6 years ??

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the more times they try and fail

the less likely the nextime they will be believed

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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well unless they stated that in a letter its all mind games to make you give in.

 

 

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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It is isn’t it! They have made me so ill again. They were very very judgemental and saying my husband needed to step up to the plate and I obviasly shouldn’t have a mortgage and that’s what they were trying to was be responsible and not let me have house anymore if I couldn’t afford it!!!

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It is isn’t it! They have made me so ill again. They were very very judgemental and saying my husband needed to step up to the plate and I obviasly shouldn’t have a mortgage and that’s what they were trying to was be responsible and not let me have house anymore if I couldn’t afford it!!!

 

I am so anxious

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It's understandable that you are anxious about this, but you have something to focus on by getting the letter of to them asap. There is nothing more you can do until you get a response. If they ring you again tell them they are making you ill and you will be recording the call due to the unacceptable calls you have had with them recently.

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It's natural to feel the way you do, everyone who is in the same position will have felt anxious and upset. Have a look through all the other repossession threads and you will see how many people have kept their homes - I have been involved in many, many similar repossession cases and I know judges won't take people's homes away if they are able to pay. Please get the letters off asap and try to relax over the weekend.

 

 

If you need to post how you are feeling then we will always be here to listen, but do try to stay positive - you have us all behind you in this :)

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Should I make this months payment

 

 

Yes, absolutely, you must make the payment - this will all help your case if you have to go to court - it would show the judge you are committed to maintaining the proposal you have made.

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

 

 

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If you can afford it then make it today - will you be paying extra on top of the normal payment like you proposed ?

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OK, but make sure you keep a check on your payments going forward so you can prove you are paying the extra on top of the normal payment each month.

Help us to keep on helping

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I called up and they wouldn’t take payment!!!!

 

They said it needed to be done by my case manager and they weren’t in now till Monday !!!!

 

I said why can’t u take a debit card payment that’s all I need to do.

She said no.

 

So I’ve made it online as I had their bank details saved

 

Letter send special delivery £6 pound for each letter

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and that's the way you pay from now on no more ringing up to pay them and get abused....

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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oh and go read this thread

https://www.consumeractiongroup.co.uk/forum/showthread.php?400510-Kensington-SPO-**stayed**-now-trying-again-**WON**-(Payment-late-now-worried)&p=5064066#post5064066

another stress head like you and a good outcome

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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