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    • Commercial Landlords are legally allowed to sue for early cancellation of the lease. You can only surrender your lease if your landlord agrees to your doing so. They are under no obligation even to consider your request and are entitled to refuse. You cannot use this as an excuse not to pay your rent. Your landlord is most likely to agree to your surrendering the lease if they want the property back in order to redevelop it, or if they wants to rent it to what they regards as a better tenant or at a higher rent. There are two types of surrender: Express surrender in writing. This is a written document which sets out the terms of the surrender. Implied surrender by conduct. (applies to your position) You can move out of the property you leased, simply hand your keys back and the lease will come to an end, but only if the landlord agrees to accept your surrender. Many tenants have thought they can simply post the keys through the landlord's letter box and the lease is ended. This is not true and without a document from the landlord, not only do you not know if the landlord has accepted the surrender, you also do not know on what basis they have accepted and could find they sue you for rent arrears, service charge arrears, damage to the property and compensation for your attempt to leave the property without the landlord's agreement. Unless you are absolutely certain that the landlord is agreeable to your departure, you should not attempt to imply a surrender by relying on your and the landlord's conduct.  
    • I had to deal with these last year worst DCA I have ever dealt with. Just wait for the constant threats of CCJ and how you'll lose in court and how they won't do mediation and they want the judge to question you with a load of "BIG" words to boot with the letter. My case was struck out in the end, stupidity on their part as I admitted to owing the debt in the end going through the court process was just a formality as they wouldn't let it drop despite me admitting the debt regardless. They didn't send the last part of the court paper work in so it ended up being struck out     .
    • Well, that's it then. Clear proof of the rubbish cameras. Clear proof of double dipping. G24 won't be getting a penny. Belt & braces, I would write to the address LFI has found, include the evidence of double dipping, and ask Fraser Group to call their dogs off.
    • LOL. after sending Perch capital a CCA request with a stapled £1 PO attached (x2) Their lapdog Legal team TM Legal have sent me two letters today saying "due to a recent payment on the account, your account is open to legal/enforcement action" so i guess they have tried to apply that payment to the account to run the statue bar along. dirty tactics lol.
    • I have initiated the breathing space so ill wait. from re reading everything this what i understand BS gives me 60 days break from the creditors during these 60 days they may contact me and will most likely default I need to wait until after a default notice to see whether the OC will keep the debt or sell it off If kept by the OC then i should attempt a plan or pay some token payment? If sold to DCA then don't pay and after 6 years it will leave my credit report once the DN is registered with a date. DCA may start a CCJ but unlikely, if they do come back here. last question, do you know roughly how long this will all take? in terms of defaults/default notice, potential CCJ? Would you say I have 12 months plus from when the BS ends?
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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PRAC/BW claimform - old PaydayUK PDL Debt - ***Claim Dismissed***


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So it means that new rules were in play

 

https://www.fca.org.uk/news/press-releases/fca-confirms-price-cap-rules-payday-lenders

 

Initial cost cap of 0.8% per day - Lowers the cost for most borrowers - Which means they can only charge once per day 1 lot of interest, By duplicating payments on days from that statement they would be in breach of this.

This would make the agreement unenforceable in certain capacities. Dopey Gits!

 

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**Fko-Filee**

Receptaculum Ignis

 

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So far I can eliminate their default letter, account statement, theres no proof they posted assignment letters and there may even be proof they have faked up that statement, (I need to check figures when I get home).

 

Hearing tomorrow so I'll post an update then.

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They can try.... Its judge dependent.

 

They can submit anything they want - They could submit a Letter saying that the CEO was incompetent at his job - Whether it is relevant or acceptable is for a judge to decide....

 

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**Fko-Filee**

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Judge dismissed the claim on two main points.

 

No proof of either notice of assaignment or default being posted.

 

Also template default was in another business name.

 

He did say he'd have ruled against me if my arguement was soley that the default was a template as their advocate quoted a case (something vs kate someone sorry didnt note the exact case quoted) where a template was shown to contain the relevent terms.

 

Right at the start he almost dismissed due to them sending the docs late, perhaps he would have if I hadn't poked holes in the other evidence.

 

He didn't rule on the IL complaint as the FOS will do so eventually.

 

Alot of quoting Consumer credit act was done by all.

 

I would say to anyone reading this with a similar case make sure you see the default as mine had the name and address of the money shop instead of PDUK and the judge ruled if I had have received it with the incorrect logo and name I would have binned it.

 

Not sure if it was a mistake but I discussed it with the advocate before going in and he'd had time to pull up a few arguments agasinst me.

 

Really enjoyed the arguing and general court banter especially when their advocate tried to argue the templated default was an example of what would have been sent and I countered with a quote from their own witness statement where it was stated to be an exact copy of what was sent. Poor lad was stuttering after that trying to come up with a counter arguement.

 

Shook hands afterwards and apologised to the lad for beating him on technicalities.

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Well played... Honestly never speak to the Rep before you go in (They are there to win)

Ill be noting all this down for when i have to deal with them :p

 

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Excellent result

We could do with some help from you.

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The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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