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    • 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.    
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    • 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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LLoyd/SCM Tomlin order - can i reduce payments?


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Hi

 

I signed a tomlin order to stay a ccj in 2013 ordered to pay £10 pm

Which was with Llodys Bank

I have adjusted amount to £5 pm as l didn't realise it had been sold to Moorcroft who are saying l have defaulted

Can they enforce the Tomlin order which was with Lloyds Tia:|

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Moorcroft dont buy debts...who are they acting for ...?

 

And no you shouldn't reduce payments agreed by way of a Tomlin Order.

 

Regards

 

Andy

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whom was the claimant ?

 

bet it wasn't Lloyds in 2013!!

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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SCM (Sechiari Clark & Mitchell ?

We could do with some help from you.

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Who was the claimant and the solicitors please

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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Who was the claimant and the solicitors please

The claimant was Lloyds bank and they used their own solcitors they could have been those solicitors

 

SCM (Sechiari Clark & Mitchell ?

Yes these solicitors sound familiar

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Moorcroft are collecing payments and sending letters

I am thinking maybe l should pay arrears with them ? Thanks

 

so now we know

and yes if the arrears they mention equal your multiple £5 light payments

then make up the shortfall

 

just one final question please

 

who on their letters do Moorcroft state as their 'client'

if ifs lloyds/scm then off you go and pay

 

if its not then tell us who.

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

not if it breaks the tomlin.

 

who are their clients please?

 

can we see this letter please

scan it up to one multipage pdf

read upload

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

Moorcroft have said they will offer a discount can they do this ?

 

Can we have all the details please instead of being drip fed...you didn't mention any discounts in your initial post ?

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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Sorry the original order was in 2009 the solicitors were SCM for Lloyds Bank it was a credit card

 

I have been paying a standing order for £10 until last year when l dropped it down to £5

 

moorcroft began writing saying l had defaulted on payments and stated We have not received payment under your agreed arrangement if you are experiencing difficulties or arrangement no longer affordable ring their fully trained staff 《standard dca stuff)

 

then another a month later saying a doorstep caller would call ( never did )

 

then last month stated their client that they may be able to offer a substantial discount

 

I haven't had anything else yet

 

l dont know what to do

 

But l am worried about calling them as they ask they dont say what the discount is ....Thanks

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well no you don't call Moorcroft no never

powerless DCA.

 

now one last question

and think I've asked this 5 times now

who do Moorcroft state is their client please?

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

're Lloyds Bank plc is written at the top of the letters

 

but they just say "Our client has informed us they are willing to offer you a substantial discount from your outstanding balance", but they don't say how much Just the call us within 14 days routine

 

're Lloyds Bank plc is written at the top of the letters but they just say "Our client has informed us they are willing to offer you a substantial discount from your outstanding balance", but they don't say how much Just the call us within 14 days routine

 

Sorry edited clients are Lloyds Bank plc

They have stated

Our client has informed us that "@We " may be able to offer a substantial discount from you outstanding balance

This means if you are able to pay an acceptable sum within the next 14 days "We" will not persue the remaining balance of the debt ...Thanks

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well go ring Lloyds and ask about this discount then.

 

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

But its Moorcroft that wants you to ring...not LLoyds or SCM...I doubt they are even aware that there is a Tomlin Order in force or the legal consequences and how to change the terms of a Tomlin Order.

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

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ignore Moorcroft!!

they only chase and are a DCA with ZERO legal powers...as all of them are!!

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

So where does that leave me with the reduced payments?

 

Can they enforce the order or should they send account back to Lloyds l don't know where l stand

 

Moorcroft cant do anything as already advised....but I would reinstate the payment to £10 pm ...its really not worth the hassle for an extra £5.......which you cant just decide to change...you have agreed and consented to the fixed payment.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

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Thank you l understand the process now think l might ring the court for advice as l,m not really happy paying Moorcroft

 

Court cant advise...nothing to advise on...ignore Moorcroft and you must not pay them a penny and reinstate the payment to £10

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

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