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    • for the sake of history, i've merged your old sadly failed charges reclaim court claim. have they ever sent you a default notice regarding this mortgage? dx  
    • I am financially at  point where I can see the light at the end of the tunnel regarding my debts. I have one remaining and I am interested to see what my options could be. I have be in contact with the Citizen’s Advice Bureau and the National Debt Helpline, but their advice has been a little more generic (but still helpful). This debt is 12 years old and is now owing around £3k. It was a bank loan and has been passed to several creditors over the years. A payment plan has always been in place and is up to date. I get statements every 6 months. There has never been a CCJ. I have been sent the letters advising of change of ownership. Following my own review of my finances, I decided to contact the current creditor to see if they have a copy of the credit agreement. I regarded this as due diligence as the debt has been sold on several times. The creditor updated me several times saying they had requested the document from the original lender. After 12 months of this they wrote to me saying they had not received it but were still waiting and would send it once received. The last letter was over 6 months ago. I then submitted a freedom of information request to the current and original creditor. The original creditor supplied one, but the current one did not include one in the pack they sent me. I went back to them to ask specifically about this as it was what I requested in my request. They replied saying the debt was sold to them as one without the credit agreement and they did not have it. They have requested it above, so I believe that means they cannot obtain it either for the FOI request. I contacted the original creditor and exercised my ‘right to be forgotten’, under the Data Protection Act, which they have complied with. I also got my up to date credit file and this debt is not showing on it with the current creditor or any others. I contacted the creditor and made them an early settlement offer. They do have an early settlement offer in place on their portal, but I was advised to try to get a reduction via negotiation. I have not heard back from them yet, but I understand through a separate upheld compliant it has or will be refused. Due to this complaint and the creditor putting the account on hold I had stopped payments, and advised them of this. To date, they have not contacted me about resuming payments since the complaint is resolved, but it has only been a few weeks. I am annoyed that they were not honest with me about not having the credit agreement, because that is not being transparent and I understood they should tell you if they do not have it.   I have two questions (but am open to anything else anyone would like to add): 1) Based on the above, does anyone think this account enforceable? I do not think it is? 2) Does anyone have any suggestions on how to proceed? I could resume payments and then settle early. If the above had not happened, I may have just done that. Thank you for any help or input anyone can provide. It is appreciated.
    • The main thing is to stop shoplifting because it could be worse next time. If you think you have mental health issues that led you to do this, please go and have a chat with your GP. They won't judge you and should be able to get you help if you need it. HB
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Commercial lease, court case with landlord


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Need some help and advise on a pending court case between me and my commercial landlord.

 

For over 2 years I have complained of leaking roof and water damaged electrics resulting in no internal and external lights...efforts to plug the leaks have not worked, no fix on the lights also. 


After pressure is put on the landlord to rectify faults he instead looks for breaches of the lease against me resulting in issuing me a section 146 notice.

 

My question is

was he in breach of his own lease making the lease void? 

or am I still accountable for accused breaches? 


I am now faced with a huge bill from his solicitor for issuing the notice that they want to enforce even though I disagree with the breaches!

 

Is this allowed??

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Hi 

 

Welcome to CAG please be patient as I am sure other will be along to advise

 

As this is a Commercial Lease you have not given us much information to be able to advise you.

 

When did you take your Lease out and for how long?

 

When did you start complaint to the Landlord about the Roof Leaking & the Electrical issue and do you have written evidence of this?

 

Have the above Roof Leaking & Electrical Issues been rectified to date?

 

With the Section 146 Notice was it asking you to rectify said breaches by XX/XX/XXXX or is it going down the Forfeiture route?

 

So they will be using Section 146 of Law of Property Act 1925:
https://www.legislation.gov.uk/ukpga/Geo5/15-16/20/section/146#:~:text=and the lessee fails%2C within,the lessor%2C for the breach.


 

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Only the terms of the lease will confirm the points you raise.....Commercial Leases use to be referred to as " All insuring and repairing Tenancy agreements" meaning that the LL is not responsible for anything unless its stated within the TA...the duties and responsibilities of the LL.

 

Andy 

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Sorry I haven’t explained much about the lease, moved in 7 years ago on a 3 year lease, signed again for 3 years then the current lease is for 3 years but I gave notice to get out the first year...which is the end of this month

Complained of the roof and light circuit problems over 2 years ago, Quick fixes were done as the roof is asbestos and a new light box fitted by LL.

 

The roof just kept leaking through the months and eventually the new light box blew.

The lease states repairs to the building is by landlord but lights are down to me...the trouble is the roof was allowing water to enter the light units. This carried on for over two years, all of this i have in emails

 

Issues were never fixed, I have an email explaining that the rent amount is reflective of the condition of premises and not viable to remedy the roof

 

The accused breaches were out of the blue and not previously discussed or mentioned! Motivated so as not to spend money on the building. 

 

I’ve gone from being the victim to culprit by way of legal bullying. 
I had to take on employment to support myself and overheads as business was failing, always made sure I paid rent and didn’t ask for help during the Covid relief for small businesses 

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