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    • Bankfodder, I don't understand why you think that I am trying to cheat them. It is in the best interest of the landlord to have a tenant occupying the property rather than having it vacant. But having it vacant is better than having a 'bad' tenant - there are plenty of horror stories. As a landlord, you don't have a lot to rely on before you let some occupy the property so how the tenant behaves leading up to signing the agreement is important.    I have had other issues with the agent which I didn't want to elaborate here that led me to terminate the contract as soon as I rejected this tenant. But ultimately the law is law and if my interpretation regarding the 2013 Regulation is correct, this should be straightforward and we don't even need to rely on the other clauses. I'll see how it goes.
    • Just because criteria won't agreed in writing, doesn't mean that there are criteria and they are not to be implied into the contract. As I've said, you have to give your contracting partner reasonable opportunity to complete their side of the bargain. If you employ a builder to build a wall and they start work, then you have to give them a reasonable opportunity to complete. Here you have an agent who apparently has found a tenant and the tenant has satisfied the reference requirements. You keep on saying that they were transparent – but you haven't told us what that means and the most important thing is that you might have to explain that to a judge. I'm afraid so far the impression one gets is that you are simply trying to escape a commitment – even if it is for the best of reasons. I see that you disagree with me. Well that's fine. It's not me that decides the outcome. I think that you are in difficult terrain in respect of your first grounds of objecting. I think that the unfair terms provisions are far more useful to you and are likely to have some success. Once again, your only answer to this is that a tenancy contract haven't actually been signed. Once again I say to you that all of the practical conditions for the contract to go ahead had been satisfied but on your hunch you then prevented the agent from completing their side of the bargain. I think that you are going to have to find a reasonable settlement. I don't think it will be very much – but you are certainly going to have to find a reasonable settlement – and if the agent objected, as well they might, at least you can then demonstrate to a court that you at least have attempted to act fairly and it is simply the agent who is being unfair. I don't think it would be too good for you if a judge came to the conclusion that the agent was trying to cheat you – but you also were trying to cheat them, for whatever reason. I don't thing I can say anything more  
    • Well I think it would be prudent to check them. I found several warranty details for your make of laptop but not UK. Surprisingly, they only say that they will repair defective parts and there is nothing as to what happens if the unit is not repairable. I suppose that being Acer, they have access to all the parts needed – in principle – and they reckon they can repair anything. Double check and see if you can get access to the warranty. Also, you need to decide whether you are prepared to issue a small claim. If you never done it before then read around this forum about how to take a small claim in the County Court. It's quite straightforward but you need to know the steps in advance. Once again, don't expect this to be sorted out by 18 December. I expect that you won't even have it sorted out by February – unless they suddenly react once they receive the court papers and move themselves. Of course you could say that by February the thing will be repaired anyway – but actually you don't know that. It could go on very much longer and at the moment I think you are being led around by the nose
    • As far as I remember and by looking at the receipt, it was already included in the price of the laptop.    Regarding the terms and conditions, I have no idea where to look for them. I might ask my mum to see if there is a mini book that came with the laptop and might contain the terms and conditions
    • But there were exceptional circumstance involved, they must count for something 
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Debts in the UK now with DCA (Hoist, Wescot and Lowell)


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I left the UK in 2018 and behind it closed the door (and buried my head in the sand) to a number of debts. 

 

Various collectors have found my mother's address and are sending letters - she's obviously keen for me to deal with my debts, but I'm hesitant to give money to these companies. Especially as they'll be on my messed up credit score for 6 years regardless. 

 

I am returning to the UK August 2021 - so I would like to know what to do before this move, and after this move. I'm in a better position financially and mentally.

 

I have not acknowledged or paid anything to these debts since I moved in August 2018

 

The breakdown are: (Credit cards)

  • Barclays - Now Hoist finance uk holdings 1 limited (£2100 debt defaulted Feb 2019)
  • Tesco Bank - Now Wescot (£3400 debt defaulted Nov 2018)
  • Halifax Bank -  (£920 debt default Jan 2019)

 

There's also a network 3 mobile bill. The default was Feb 2019 and it was originally for £144 - now it's £450 and the DCA is Lowell.

 

Any help or advice is appreciated here.

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Register your foreign address with all of the debts owners, by writing to them, with proof you reside abroad. Do not say anything about owing a debt and don't mention any plans about returning to the UK. Just keep it simple. It is purely registering your foreign address. And keep copies of letters and proof of posting.

 

Don't worry about any enforcement of the debt where you are living abroad. It would be too complicated and costly for them to do so.

 

By registering your foreign address with the debt owners, it will hopefully stop your Mother receiving letters and more importantly, it should stop them gaining UK Court judgements (CCJ) against you in your absence, as you were abroad so could not defend.

 

If you return to the UK, these debts on your UK credit record will cause you problems such as obtaining any form of credit. And getting a CCJ would cause you more problems with some employment and property renting affected.  If you are in a position to offer reduced full and final settlements to clear debts, it may be worth considering, but do not do this until you look into the debts further. For example debts may include amounts which can be argued should not be included e.g. excessive charges

We could do with some help from you.

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Hey, 

 

Thanks for this! 

 

I assume I have to do this by post, and cannot inform them of my address by e-mail? For proof, what would be good for this - a scan of my residency card with stuff redacted, a scan of my current work contract?

 

In addition, the Hoist debt I only know because I checked my credit file - I actually haven't received any correspondence from them (as far as I'm aware) - What would a letter to them... look like? By default I think it would look like I was admitting debt haha. 

 

A letter like:

 

"This letter is to register my address in X, the address is X"

 

Any other information I need to include? 

 

Cheers again. 

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Try email first with scanned copy of residency card. Don't send too much information and certainly not work contract. It is purely registering foreign address.

 

Problem with emails, is that they may ignore or refuse to accept email. So you may have to send letters. Posted Letters do seem to be important, as not all legislation accepts emails as proof of supplying information.

 

Your letter should include details of original creditor, any reference numbers. If your Mother has kept letters, ask for any reference numbers that are quoted.

 

Letter.

 

To whom it may concern.

 

Original creditor xxxxxxx

Reference xxxxxxxxxxx

Last UK address xxxxxxx

 

Please note that I currently reside at the address below and enclose a copy of my residency card.

 

Xxxxxxxxx

Xxxxxxxxx.

 

Please acknowledge receipt of this letter confirming that you have noted my foreign address and will use this for all future communications.

 

Yours faithfully

 

Print name. Do not sign.

 

 

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 OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

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

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Write to them with a simple letter confirming you're current address, make sure you keep proof of posting. The first day that you arrive back in the UK next August, you write to them again with your new address. It's as simple as that!

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 OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

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

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dont bother writing to wetcloths, they don't buy debts, merely chase for their clients.

 

so lowells,hoist,tescos, halifax.

 

pers i would recommend NEVER using email as if things ever got nasty then important documents could be served later in the process at 1 min to a deadline and you'd have no legal remit time to counter their lies.

 

 

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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Thanks guys! Much appreciated.

 

I won't e-mail, I'll just send from here. Hopefully it won't take too long, though by the time I get an acknowledgment I'll probably be gone aha.

 

In terms of when I get back to the UK what's the best course of action? Am I better waiting out as long as possible to pay - make them prove the debt and stuff? I want to avoid a CCJ, but regardless I know this isn't gonna be off my record for a good while. At what point should I get ready to make payment/settle? 

 

Sorry if it sounds like I don't know anything, it's because I really don't know what I'm doing. 

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Priority is sending the letters and getting confirmation that you live abroad.

 

With Covid-19, you cannot be certain that you will be back in the UK at any given point. If there is another lockdown then plans may get put on hold.

 

When you return to the UK, simply update the debt owners with the new UK address. Let them write to you first and after receiving a number of chasing letters, come back for advice.  If you are not coming back to the UK for about a year, the way to challenge debts may have changed by then.  So update your thread on here, when you return to the UK.  Debt owners don't rush to issue court claims.  A sensible step is often to send the original creditors e.g, Banks,  phone companies a GDPR subject access request.  Do this when you return to the UK, so you have more  information available to help you.

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 OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

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

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Thanks again! 

 

This all makes sense. I'll inform the companies this week, and when I come back to the UK. I'll then come back to this thread then. 

 

So glad I found this site! Such a help, much appreciated. Have a great week. 

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  • 1 month later...

So update on 2 of the letters.

 

I sent 1 to Wescott (now they are saying they are no longer in charge of this debt)

 

1 Hoist (without a ref number) as I only got the information that they had bought the debt from Equifax, they wrote back asking for a reference number as they couldn't find the account.

 

My Q is how do I find out who actually is currently holding this debt? Should I write directly to the bank I originally got the credit with?

 

Thanks~

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not sure where we said send it to wetcloths?

 

the hoist debt will be your old barclaycard.

 

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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Ah, I must have misread to send to everyone - looks like I did.

 

I don't have any of the cards anymore, they're in a lost wallet. 

 

I do have a Q - if I log into the online banking again/or try to to find the card numbers and whatnot - does this have an effect on the timer for SB timer?

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nope

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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