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    • Please see my comments on your post in red
    • Thanks for your reply, I have another 3 weeks before the notice ends. I'm also concerned because the property has detoriated since I've been here due to mould, damp and rusting (which I've never seen in a property before) rusty hinges and other damage to the front door caused by damp and mould, I'm concerned they could try and charge me for damages? As long as you've documented and reported this previously you'll have a right to challenge any costs. There was no inventory when I moved in, I also didn't have to pay a deposit. Do an inventory when you move out as proof of the property's condition as you leave it. I've also been told that if I leave before a possession order is given I would be deemed intentionally homeless, is this true? If you leave, yes. However, Your local council has a legal obligation to ensure you won't be left homeless as soon as you get the notice. As stated before, you don't have to leave when the notice expires if you haven't got somewhere else to go. Just keep paying your rent as normal. Your tenancy doesn't legally end until a possession warrant is executed against you or you leave and hand the keys back. My daughter doesn't live with me, I'd likely have medical priority as I have health issues and I'm on pip etc. Contact the council and make them aware then.      
    • extension? you mean enforcement. after 6yrs its very rare for a judge to allow enforcement. it wont have been sold on, just passed around the various differing trading names the claimant uses.    
    • You believe you have cast iron evidence. However, all they’d have to do to oppose a request for summary judgment is to say “we will be putting forward our own evidence and the evidence from both parties needs to be heard and assessed by a judge” : the bar for summary judgment is set quite high! You believe they don't have evidence but that on its own doesn't mean they wouldn't try! so, its a high risk strategy that leaves you on the hook for their costs if it doesn't work. Let the usual process play out.
    • Ok, I don't necessarily want to re-open my old thread but I've seen a number of such threads with regards to CCJ's and want to ask a fairly general consensus on the subject. My original CCJ is 7 years old now and has had 2/3 owners for the debt over the years since with varying level of contact.  Up to last summer they had attempted a charging order on a shared mortgage I'm named on which I defended that action and tried to negotiate with them to the point they withdrew the charging order application pending negotiations which we never came to an agreement over.  However, after a number of communication I heard nothing back since last Autumn barring an annual generic statement early this year despite multiple messages to them since at the time.  at a loss as to why the sudden loss of response from them. Then something came through from this site at random yesterday whilst out that I can't find now with regards to CCJ's to read over again.  Now here is the thing, I get how CCJ's don't expire as such, but I've been reading through threads and Google since this morning and a little confused.  CCJ's don't expire but can be effectively statute barred after 6 years (when in my case was just before I last heard of the creditor) if they are neither enforced in that time or they apply to the court within the 6 years of issue to extend the CCJ and that after 6 years they can't really without great difficulty or explanation apply for a CCJ extension after of the original CCJ?.  Is this actually correct as I've read various sources on Google and threads that suggest there is something to this?.
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PDL DEBTS - not able to pay everyone now...


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typically default notices are sent out after the third missed payment

but you'll get the calendar markers straight away

 

if the loans are deemed IL then everything gets removed anyway

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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I have response from SATSUMA

- not happy,

they are saying that the report which they are using doesn’t show loans but I had 9 or more already,

 

I know I said I have only 600.00 credit commitments but who asking for money will tell them true, especially if it’s for gambling

 

HOW TO RESPOND?

satsuma.pdf

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Hi Wisona

 

I have unapproved the attachment as it still has references in it. I have seen it though and this is where you now open negotiations with them on the loans etc...

Take back control your way.

 

Good start with them taking off the interest. Or you can refer to the FOS.

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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Can I go to FOS if I was not honest with my creditors and I lowered amount?

 

Credit Account Information Sharing (CAIS) – their report shows that I DIDN’T HAVE ANY pay day loans but I had MANY

 

Active CAIS Accounts - 9

PDL Accounts Last Six Months - 0

Months Since Most Recent PDL - 0

Outstanding PDL Balance -0

Number of PDL in last 6 years - 0

Settled PDL - 0 (in last 12 months)

Defaults Recorded in last 12 months - 0

 

AND they said they did all checking properly

 

My statements shows different things

 

118.118 MONEY – loan taken 17.07.2017

CASH FOR YOU NOW – loans taken 09.06.2017

07.07.2017

 

FERRATUM – loans taken 20.06.2017

12.07.2017

03.08.2017

31.08.2017

 

MONEY BOAT - loan taken 15.08.2017

 

Mr LENDER – loan taken 12.08.2017

 

MY JAR - loans taken 13.05.2017

06.07.2017

 

SUNNY – loans taken 08.06.2017

06.09.2017

 

POUNDS TO POCKET – loan taken 19.06.2017

UNCLE BUCK – and a few more … so how you could missed them???

they run reports on the 13.7.17 and 09.09.2017

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We ensure applications are completed through the use of the web based application form. It is not possible for an incomplete application to be submitted. Data from Credit Reference Agencies (CRA’s) is used to verify your existing credit commitments, including mortgage/rent, by providing us with actual credit commitment information.

 

We perform checks with the credit reference agencies. If the costs we check return a higher expenditure, than you declared, we will process your application with the higher figure obtained.

We use your verified outgoings, along with the proposed new loan repayment amount, to determine the minimum amount of income you require to afford the new loan. This value is then sent to the CRA Call Credit for verification and only when your income can be verified by the bureau your application is automatically accepted.

 

This automated income assessment is performed using an industry-standard Call Credit product. This is then used to assess how sustainable a new loan will be for you over the term of the loan. When we are calculating the minimum amount of income you require, the most conservative estimate of all the outgoings (i.e. the higher of your stated and the verified amount) are used to ensure your outgoings are not understated.

 

The information I have obtained from credit management shows the following information

 

Okay so time to play them at their own game - They have then said the above - They automatically use the higher amount or expenditure. So if you lowered it then it should have flagged up and then they should have queried that with you!!! They didn't!!

Plus they claim the loans are not showing but they will do! - Well all of the above started using Callcredit to report back in 2015 when they had the new rules.

 

Add to that that i know FOR A FACT that MYJAR and MR Lender, Sunny and 118 118 Money all use Callcredit and are all registered as advance Against Income and will show up under Noddles Short Term Loan section.

They have realtime reporting, Jesus - They have no clue.

 

Its time to challenege them and this will need to go to the FOS. Now that i know about the other loans, this will make a whole load more easier :)

 

Are you seeing now?

 

Take a screenshot of all of your accounts with the opening dates on Callcredit - Tell me also if Satsuma appear in Callcredit as Provident etc

 

Help me to help you! :)

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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Noddle is callcredit! :) So you dont need to! :)

Read our other guide :)

 

https://www.consumeractiongroup.co.uk/forum/attachment.php?attachmentid=69344

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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No need to post it here - Youve already given me enough info - You need it though. Keep it in a file - Speak to Satsuma - Tell them you are not happy can provide more evidence to them. If they still dont play ball then go to the FOS with all the info you have!

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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everyone of 'em are totally irresponsible lending - all your claims will not fail.

 

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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popped you in the PDL forum 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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Share on other sites

I responded to Satsuma complains department regarding they decision (20.10.2017), I disagree with many of their points. Is any timescale for responding? Are they going to respond if they make decision ?

 

Did someone had similar situation please?

 

Should I wait or complain to FOS?

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let it run

they have a total of 8 weeks

 

lots of like threads go read them

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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email from 118118 Money

 

"Thanks for the email.

 

Whilst the complaint is being investigated we would still expect you to maintain payments to your account and as such, we would not agree to hold your account whilst the complaint is ongoing.

 

If you are struggling to meet the repayments, our Collections team will be more than happy to discuss options with you such as a reduced repayment arrangement. Please note that failure to maintain our contractual repayments can have a negative impact on your credit file.

 

You can contact our Collections team on 08000 118 100 or 02920 893 400 between 8am to 8pm (Mon – Fri) and 8.30am – 5pm (Saturday). Alternatively, if you’d like me to arrange a call back for you, please let me know what time would be best to call but please keep in mind that call backs are on a best endeavour basis and should we be unable to call at the time you wish, it would be your responsibility to reach out to us."

 

What should I do??

discuss repayment

I can offer only £10.00/ Month AND wait for response from Complains department or IGNORE THEM???

BUT ignoring will mean missing payment on my Credit file.

 

Should I go for repayment plan if I am complying and before final decision?

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your credit file will be trashed eitherway.

is this debt not already defaulted in its summary?

you don't offer/discuss anything

theres a letter in the debt collection section of the library

whereby you TELL them they are getting £XX for xxMTS

IF they stop interest/charges.

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

neither

but if IL is upheld they should remove everything typically

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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as post 94

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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