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    • pop up on the MCOL website detailed on the claimform. [if mcol is not working return after the w/end or the next day if week time] .  register as an individual on the Gov't Gateway Site  note down your details inc the long gateway number given, you might need it later.  then log in to the MCOL Website .  select respond to a claim and select the start AOS box. .  then using the details required from the claimform .  defend all  leave jurisdiction unticked  you DO NOT file a defence at this time [BUT you MUST file a defence regardless by day 33 ] click thru to the end confirm and exit MCOL. .. get a CCA Request running to the claimant https://www.consumeractiongroup.co.uk/topic/332502-cca-request-consumer-credit-act-1974-updated-january-2015/ .. Leave the £1 PO unsigned and uncrossed . get a CPR  31:14  request running to the solicitors [if one is not listed send to the claimant] ... .[use our other CPR letter if the claim is for an OD or Telecom Debt] . https://www.consumeractiongroup.co.uk/topic/332546-legal-cpr-3114-request-request-for-information-when-a-claim-has-been-issued/ . on BOTH type your name ONLY Do Not sign anything . you DO NOT await the return of ANY paperwork  you MUST file a defence regardless by day 33 from the date on the claimform [1 in the count] ..............  
    • The agreement started 11/02/2019  for 47 monthly hire payments   Threat-o-gram : We are instructed on behalf of Hyundai Capital UK Limited T/a Hyundai Finance Contract Hire.  This is inaccurate, as on my hire agreement it says - Owner Santander Consumer (UK) plc trading as Volvo Car Financial Services. Hyundai must be who this other persons agreement is with.   The only will is: Should you fail to make payment of the outstanding bablnce of £5,000, or alternatively provide realistic payment proposals within the next 30 days, we are instructed to issue County Court proceedings against you for the balance outstanding. Such proceedings will also include claim for costs.   Yes I still have my agreement. 
    • Hi M10,   Compared to MANY other cases we see here, a refund of 80% is a decent offer in the circumstances.   Take it and get yourself a new item.   Far better than Very and Apple each denying responsibility and passing the buck, and you being stuck in the middle for months with no help.
    • thanks for all that.... yes interesting. you handed the car back in nov 2020, how long was the lease agreement for and when did it start?   if you read the threat-o-gram carefully it doesn't say WILL anything. who are stated as DWF's client please ? and have you still your copy of this agreement?    
    • A devaluing currency and hard economic conditions make cryptocurrencies attractive despite the risks. View the full article
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    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
      • 33 replies

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There are rent arrears from the previous address which I vacated 2007.. the problem is the amount the council say I owe, along with x husband, amounts to  £1799. I disagree and have told them as much. I believe the amount that is owed to be much less, as, at the time I was in the property, the rent that was paid fortnightly, was added onto the balance outstanding, and so the rent arrears were going up and not down. They have failed to get this sorted and I would like some advice on how to proceed further.. thanks in advance 

Edited by soulsister14
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Was there any Housing benefit in payment during the period in dispute?

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Hi

You say you vacated the property in 2007.

 

Was the Tenancy Agreement for the Council Property in Joint Names?

 

If the Tenancy Agreement was in Joint Names did you inform the Council Housing of you vacating the property in 2007 and to remove your Name from the Agreement and they responded? (note if rent arrears at the time they will not remove you from the tenancy agreement if in joint names as both are liable for the arrears)

 

Were you aware of the Rent Arrears at the time? (if so was a payment plan in place?)

 

You need to dispute this with the council housing by making a 'Formal Complaint' in writing and title it as such (they need to record formal complaints on there records)


You dispute the Rent Arrears for period XX/XX/XXXX to XX/XX/XXXX due to this I require the following:

 

1. Customer Care/Standards Policy (not the leaflet)
2. Rent arrears Policy covering period XX/XX/XXXX to XX/XX/XXXX (not the leaflet)
3. Copies of Rent Statements covering period XX/XX/XXXX to XX/XX/XXXX
4. Copy of the Signed Tenancy Agreement covering period XX/XX/XXXX to XX/XX/XXXX

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I cannot give any advice by PM - If you provide a link to your Thread then I will be happy to offer advice there.

I advise to the best of my ability, but I am not a qualified professional, benefits lawyer nor Welfare Rights Adviser.

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