Jump to content


  • Tweets

  • Posts

    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.   I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.   As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.   If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.   They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.   If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.   The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.   They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.   Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
    • Go onto the MoneyClaim website and see if you can apply for a judgement. If you can then go straight ahead and do it. It may be that somehow they have overlooked it – or else it has gotten lost in the post. Go to the MoneyClaim website now and let us know
    • If he needs someplace to go and can save up a small bit of money. Try getting him to use Spareroom  He will beable to find something on there I rent from a location and have been here 8 years. ITs a start until he gets himself back on his feet  
    • Update:   Claim issued 01/09/2020 and Hermes filed an acknowledgement of service on 07/09/2020 ("I intend to defend all of this claim").   28 days have passed and there is still no defence - do I need to do anything?  
    • no he was told  he was approved for the IVA, he has the mail saying so, Creditfix    said they  only accepted people who had a 100% chance of being accepted   He was not told  it had failed byt them he had to ask as they never let him know,  they also have not told any of his creditors it had failed so they are all now hounding him  
  • Our picks

    • Ahmed Alwaheeb's firms sold cars riddled with faults – and which sometimes had government recall notices. https://www.consumeractiongroup.co.uk/topic/427369-ahmed-alwaheebs-firms-sold-cars-riddled-with-faults-%E2%80%93-and-which-sometimes-had-government-recall-notices/&do=findComment&comment=5071860
      • 3 replies
    • @curryspcworld @TeamKnowhowUK - Samsung 75 8K TV - completely broken by Currys. https://www.consumeractiongroup.co.uk/topic/426151-samsung-75-8k-tv-completely-broken-by-currys/&do=findComment&comment=5069075
      • 8 replies
    • @skinnyfoodco Skinny Foods. https://www.consumeractiongroup.co.uk/topic/426130-skinny-foods/&do=findComment&comment=5068996
      • 8 replies
    • I’m in desperate need of help
       
      I bought some clothes online in may through Evans and paid through PayPal
      returned them all seven days later
       
      I waited the 14days for my refund and no refund came
      I put in a dispute through PayPal but I didn’t get any emails to escalate the case - PayPal closed it. 
      evans said they couldn’t refund the money because PayPal have cancelled the refund because of the open dispute
       
      I contacted PayPal
      they said the dispute had been closed but Evans at no point had attempted a refund.
      fast forward to today
       
      I’ve got copies of numerous messages sent to and from twitter messages as it’s the only way I can contact them
      I’ve also contacted their customer service too
      all I get is PayPal have cancelled refund because dispute is still open.
       
      I have proved that the dispute is closed
      I have got an email saying that if Evans sent the refund they would accept it
      but up until the date I got the email they have not once attempted a refund .
       
       I have sent them a letter before court email
      I have even offered to have the full refund as a gift card just to get this sorted !
       
      I’m literally at the end of my tether and don’t know where to turn next !
       
      i suffer with mental health issues and this is affecting my health and I’d saved the money for a year to buy these clothes as I’m on a low income .

Please note that this topic has not had any new posts for the last 784 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

i've been at my current property now for almost 15 years , house lookrf after , rent paid on time.

The house is rented through a letting agency.

 

About 2 years ago , at the time of setting up a new contract (yearly) , I was advised the landlord wanted to sell the property , as such I was told a break clause needed to be added to the contract , giving the landlord the right to give 2 months notice.

 

I had to put up with strangers looking around my house then for whatever reason the landlord decided he didn't want to sell.

 

My lease has come up again this year and as well as a £20 rent increase I noticed that the break clause was still there.

 

I asked for the break clause to be removed as it is not required anymore , the reply from the letting agency is that the landlord is happy to do this...for a further £20 increase!!!

 

I'm not happy the agency is trying to make a quick buck , do I have any rights here other than the right to go and find another house ?

Link to post
Share on other sites

No, the LL could serve s13 after 12 months.

You do not have to permit viewings, unless specied in TA.

Court may not consider previous served Notices, unless determined by similar/higher Court.

Link to post
Share on other sites
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...