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    • Hi CAG Team, I'm seeking your skills and help for a NtK my partner received through the post earlier this week. To give a little backstory, my partner and I, along with our young children (4 and 7), decided to go on a camping holiday about 3 hours away from us. We took a car each because we didn't have enough room in one car. We arrived at the services at very similar times as we followed each other the whole way. So, two cars. My partner has received this NtK, but I haven't. This NtK dropped through the front door on Wednesday, June 5, 2024.  We both parked in the Burger King car park, not in BP; we got out, all went for a toilet break, got some food from the BP garage and returned to our cars to eat.  After eating, we took the kids to the toilet again before leaving to complete our journey. I didn't notice any parking restriction signs and can't get back to the location due to how far away it is. I noticed another person had an issue here and reported it to you, and they managed to get the charge dropped. See below. To me, it looks like they have cameras at the complex's entrance and exit. I'm not sure if they own the land/car park by Burger King, I'm not sure if this is a legal contract or not.  I find that 30 mins limit at a Services that serves hot food to be ridiculous and unfair, especially as we had kids to feed and water.  And the fact that I didn't receive the same NtK despite us driving in and out together is just crazy. This is the location - I also uploaded a map image. Google Maps MAPS.APP.GOO.GL ★★★☆☆ · Restaurant 1 Date of the infringement 24th May 2024 2 Date on the NTK [this must have been received within 14 days from the 'offence' date] 29th May 2024 3 Date received 5th June 2024 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?] N 5 Is there any photographic evidence of the event? Y - Only entering and exiting the complex/land. 6 Have you appealed? [Y/N?] post up your appeal] N 7 Who is the parking company? MET 8. Where exactly [carpark name and town] BP Blue Boys, Tonbridge TN12 7HE For either option, does it say which appeals body they operate under. POPLA I hope you can help me out with some guidance on how to proceed with this. Let me know if you need anything else. Thank you, Passerby0233 2024-06-08 13_17_52-Burger King - Google Maps — Mozilla Firefox.pdf NtK_29-05-2024.compressed.pdf
    • Which Court have you received the claim from ? Civil National Business Centre (Northampton) Name of the Claimant ? PRA Group (UK) Limited How many defendant's  joint or self ? Self Date of issue – 23/5/24 AOS - Tues, 11/6/24 (19 days)  Defence - Thurs, 25/6/24 (33 days) Particulars of Claim 1. The Claimant claims the sum of £7926 for an outstanding debt owed. 2. On 20/4/18 the Defendant entered into an agreement with Lloyds Bank for a Credit Card under reference [16 numbers]. 3. On 10/5/22 the Defendant defaulted on the agreement with an outstanding balance of £7296. 4. On 28/11/23 the debt of £7296 was assigned to PRA Group (UK) Limited, who itself assigned the debt to PRA Group UK Portfolios Ltd on 30/12/23. Notices of assignment were sent to the Defendant in accordance with S136 Law of Property Act 1925. The Claimant has instructed PRA Group (UK) to act on its behalf and the CLAIMANT CLAIMS 1. The sum of £7925 What is the total value of the claim? £8481 Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? No Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? Yes Did you inform the claimant of your change of address? I believe I sent a letter by registered mail of a change in address to abroad in 2021. Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Credit card When did you enter into the original agreement before or after April 2007 ? After Do you recall how you entered into the agreement...On line /In branch/By post ? Online Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? Yes Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Debt purchaser Were you aware the account had been assigned – did you receive a Notice of Assignment? Not personally - probably sent to my parents Did you receive a Default Notice from the original creditor? Not personally - probably sent to my parents Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? Not personally - probably sent to my parents Why did you cease payments? Unable to afford, living abroad What was the date of your last payment? Unsure (probably 2021) Was there a dispute with the original creditor that remains unresolved? No Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No ................... I have read through a number of similar threads, one thing i'm not sure how to proceed about is that I live abroad in the middle east and have done for several years. The claim letter was sent to my parents address and I really don't want them to be harassed about this. I am sure I sent the original creditor a registered letter with my change of address but can't find this currently. I am not in a position to pay this, and tend to come back to the UK to see family at most once a year (less since Covid),  not particular bothered about my financial score...more concerned about harassment of my parents. I have not registered on the gov gateway or anything like that.  Details below (as best as i can), and thank you for taking the time to look into it. Also redacted claim form attached: Claim form 23-5-24.pdf
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New Landlord and New Contract


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Can anybody advise me please?

 

Been living in rented accommodation for over 11 years, old landlord who leased property with his shop has now left and so agents have become my new landlords, so gave me a new contract.

 

I'm really nervous as not sure what my rights are and could I get evicted as new contract says short term, 6 months.

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Hello,

 

Initially I had a standard short term lease and put deposit with the landlord but after a year, he gave me back my deposit and he said he didn't worry about another new lease as he trusted me and so have been renting here for 10 years without a lease/contract and just paid my landlord rent.

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It is usual policy to commence with a short tem lease, then when this ends to go onto a mothly renewable arrangement. As far as your safety is concerned it will be the same as it has been since the end of your short term tenancy. There is procedure to reclaim the property, but that is through what is called, the section 21 procedure, unless there is arrears, This gives you plenty of notice, talking months. If you are worried , the best thing to do is to talk to the new owners or their letting agents.

It would be good to see the new contract the agents have given you.

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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I have no arrears, never have, always paid my rent but I'm just worried for my future here.

 

I was under the impression that I couldn't be evicted for no reason and that I was safe, so  that is why I'm frightened to sign the new contract.

 

Is it true that a landlord/agent cannot just evict to get another tenant to pay more rent?

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Woah, there is a red warning light flashing here. Often this is a sign that a property owner is lying to their mortgage company, they may actually have a residential mortgage without telling their lender that there is a tenant.  If they are found out the property could be repo 'd. Although you would have the standard 2 months notice to move out.

 

It could also be what you said. Personally I would take it as a sign to start looking tentatively for a new property.

 

 

We could do with some help from you.

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Hi

Yes sadley the owne of the property is entitled to reclaim his property.

 

But he has to use the procedure mentioned.

 

https://england.shelter.org.uk/housing_advice/eviction/section_21_eviction/how_long_a_section_21_eviction_takes#:~:text=The full section 21 eviction process for a,when county court bailiffs come to evict you.

 

But dont worry just yet, Tennants like you are hard to find and landlords tend to explore other options before they liquidate a working tenancy, not withstanding the point made Lonon1 above of course.

 

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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3 hours ago, wannagetadvice said:

I have no arrears, never have, always paid my rent but I'm just worried for my future here.

 

I was under the impression that I couldn't be evicted for no reason and that I was safe, so  that is why I'm frightened to sign the new contract.

 

Is it true that a landlord/agent cannot just evict to get another tenant to pay more rent?

 

I think what's important here, regardless to the LL's financial agreement with the mortgage company is signing that contract will make no real difference to your rental security, if anything it'll give you the edge to being more secure. Why would they go to those lengths if they were just going to evict you? And as for eviction there is a procedure to follow so if this did happen come back and the forum can advise. 

 

A LL can ultimately evict you for any reason weather they tell you that reason or not but there are rules and they have to be followed.

 

I think you'll be ok.  

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Indeed, Although the agreement may effect your terms, could we se it?

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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If you sign the new agreement, you will be safe from section 21 eviction for the duration of the agreement, if you don't, they can issue a section 21 at any time.

 

So in effect, signing will make you more secure for the next 6 months at least..

I am not a solicitor :!::!:

 

Most of my knowledge came from this site :-D:-D

 

If I have been helpful in any way at all .............. Please click my star..... :-(:-(

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I am sorry, but without seeing the contract, and knowing what is on it or what effect it has, it is impossible to say. 

 

 

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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You will be subject to the same laws notice periods and protections as with any length of contract. 

 

From my own and other’s personal experience I would treat it as an amber warning light to start putting out feelers into what’s out there on the market
 

A 6 month contract is great for people who might be waiting for a new build , or having renovations done on their own property. For someone like yourself who wants security it might well be time for you to consider moving on.

We could do with some help from you.

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Thank you everyone for your advice.  

 

I am going to ask the LL/agent to please give me a 12 month initial contract and that will make me feel safer.

 

I really don't want to move from here as very settled, no spring chicken and just got through cancer treatment and really worried about having to move out.  I've a lot of support here.

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2 hours ago, wannagetadvice said:

What a relief to get your message, thank you all so much for your responses, so very much appreciated, thank you 

 

Don't just sign or agree to anything.

 

You need to be careful and not sign anything until you fully read a new TA making sure they're not  a "break clause" in it.

 

"A break clause is a term in the tenancy agreement that gives the landlord and/or tenant the right to end a fixed term tenancy before the expiry of the fixed term period"

 

 

Please use the quote system, So everyone will know what your referring too, thank you ...

 

 

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Absolutely, 45002. A  contract like that is not a lease, there is no statutory protection, no law to say what is included. You need to examine it carefully before you sign.

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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You need to be very carefully want you sign or agree to !

 

I'm afraid 11 years won't make any difference when it comes to AST https://tinyurl.com/yylxnpmc

 

Rent increase https://tinyurl.com/y3xhgtsb

 

If they want the property back using s21 notice read on https://tinyurl.com/ycmqz9ds

 

or s8 notice read on https://tinyurl.com/ydhejzrk

 

Links take you to shelter website assuming you live in E&W.

Edited by 45002

Please use the quote system, So everyone will know what your referring too, thank you ...

 

 

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