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    • Thanks DX.  I've ploughed through the pages and dug out what I feel are the relevant ones. Obviously, some of these are duplicates of what I've put up before.  Anyway, I would be hugely grateful if someone can look over and advise. Reading though other posts and on other cases that I've had help with from here, I don't think they have much of a case - given the weakness of much of their "evidence" - but obviously I would be grateful for some expert advice from the helpful souls on here.    Thank you.    B   Witness Oct19_redacted.pdf
    • You came here for advice, soem advice has been given adn you question the validity and source of that advice. We are all lay peopele, ie not giving professional advice but it is based on experience of the world and in some cases working in the field that advice is given on. Now you dont have to take our advice, we wont get the huff if you prefer to look elsewhere or do something else. when I asked what you think they would do with your NI number it is to prod you to think for yourself and question why they would ask for this when there is nothing legal they can do with the information so wouild you be wnating to give it to them knowing that they would want it to break the law if they processed it. Now you can take that up with the company at the top but TBH unless you want to spend money on a lawyer they will not answer the question or fob you off with some ridiculous answer anyway.   so for the moment read a lot about  RLP and similar situations to yours ans make particular note of what happened to the peopel in the end. You will find no threads theat ended by saying " thanks to you I gor sued by RLP and owe them a fortune". It isnt going to happen and the reasons why are explained in many threads. They rely on your feeling of guilt to get anywhere
    • you need to respond to their letter saying that you belive that you ahve been paid correctly ( or underpaid if you are due a small amount of accrued holiday pay etc) and demand that they show a full account of what you received, when and why and how they arrived at this figure. You then reconcile that with your P45 and use the figures to bat off any furhter demands if they still akke one. Come back if they dotn drop the matter and give us the full breakdown on hours worked, hourly rate, gross pay, tax paid  etc
    • @dx100ukI never got a response to my SAR from Octopus.   But I have just received a 'letter before court action' from one of their legal representatives, who have been "instructed to consider legal action against [me] if full payment, a settlement or your proposals to make suitable repayments arrangements are not received in the next 30 days."   I'm reading the threads now. Any advice on how to proceed? 
    • I would say let them do their worst, it will surely backfire on them. Now with restrictive contracts that stop you working fro competitors- these are notoriously vague so often not worth the paper they are written on. also they have to be fair so for example if there are only 2 companies in the UK that make a certain product your employer cant say you arent allowed to work for the other one. If you were for example trained as a hairdersser and you were going to open a salon in the next street to your ex employer then the restriction would apply if worded correctly. Dont panic about this, your new employer will be au fait with the situation and time spent worrying about a nastly letter will in their eyes take you eye off the ball so concentrate on the new job.
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Shortfall Alev/shooesmiths

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Hi

Back in august 2008 i had my home repossessed,

I owed around £114k and the house was valued at £120k at the time.

 

I had the mortgage(interest only) with db mortgages.

I tried to pay off the outstanding arrears of £11k in order for them to overturn the repression the day after eviction but was turned down.

 

I moved back in with my parents and enroled on the electoral register and continued to work for the same employer to today.

I left them my new address which i am still at.

 

I then heard nothing until about 2014

i received a cheque for about £180 off them for some financial compensation but i am a bit vague about this.

There was no other contact at all i did not know what the house had sold for or if there was any shortfall.

 

In march 2017 i received a letter from Alev credit asking me to contact them about a £48k short fall.

This was the first time i had herd of Alev i had no idea they had taken over the debt.

They just asked politely would i contact them to arrange repayment.

 

I ignored them and herd nothing until may this year

a company called shoe smiths acting for Alev.

 

The letter was again asking me to fill in a means form and come to an arrangement to settle the debt.

I again ignored but yesterday another letter came from shoo smiths saying the same (no threat of court action).

 

The other strange thing is that when i have searched for the house sale i only find that i bought it in 1998 and the next time it was sold was in 2014 for £122k!

 

What is best to do keep ignoring them(i have never spoken to any one since 2008 so have not acknowledged the debt)?

Have they got a case or are they shaking the tree to see what fall out?

Edited by dx100uk
spacing

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seems like they have bought a portfolio of shortfalls for

and are trying their luck at spoofing people into paying for their staff holidays using your free money they hope you'll be scared enough to give them.

 

read these

https://cse.google.co.uk/cse?cx=partner-pub-8889411648654839:6449422593&ie=UTF-8&q=alev&sa=Search+CAG


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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Thank you for your reply

One thing that is still worrying me is why the house is not showing up as sold until 2014 but yet i know there was some one living in the house.

 

Could this affect the 6 year cut off under the CML code of practice?

 

Are they allowed to say rent the house out until they see fit to sell even up to 6 years, then ask me to pay the short fall on interest accumulated in the 6 years from repression to sale?

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doesn't change your time line.


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Even though the house only sold in 2014 that would only be 4 years ago and cml states

 

"Mortgage Lenders have agreed voluntarily that they will begin all recovery action for

the shortfall within the first six years following the sale of a property in possession. Anyone whose property was taken into possession and sold more than six years ago, and who has not been contacted by their lender for recovery of any outstanding debt will not now be asked to pay the shortfall”

 

If they where to take me to court and i agree that is a big if.

One of my defence would be.

 

The reason i took out he mortgage with DM was they where and still are members of the CML, and there for should abide by there rules or i would not have taken out the mortgage in the first place.

 

So Shoo Smiths could argue it is only 4 year since the sale and section 29 dose not apply.

 

Is there a logical reason why it took so long to appear on the land registry?

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no they cant

its when they repo'd the clock starts


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Anymore news ? I'm in a similar position.

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Better to start your own topic

You wont get seen here

hit the create button top right in the red bar


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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