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    • right so you being abroad or informing SLC you were Abroad as the last address plays no part in this at all, thread title updated. total red herring.   your case is the same as numerous ones here already which you need to READ  type in erudio backdoor CCJ in our enhanced google searchbox. get reading a good few of the threads that search points you too.   your mistake is you returned to the uk, you failed to update your debt owners of a change of address as legally you are obliged too, and you got a backdoor CCJ.    your issue now again is the same as most of the threads you'll read, your SLC loans were last deferred to SLC before the gov't sold them to erudio in 2013. that means that the court claimform was issued more than 6yrs after your last written acknowledgement of the debt and thus was already statute barred.   can't see any point in an SAR to anyone.   just ring northants bulk and quoting the CCJ number from your credit file ask for a copy of the particulars of claim ANd the judgement CCJ by email pdf   dx  
    • and neither can drydens hence their twaddle.  and you need to remember that places like cab and ndl etc are funded by the banks and the DCA's in commission payments for signing people up to dmp's without ever questioning the debts enforceability under the cca 1974.   your n244 already has the background..   The Default Notice was issued dd/mm/yyyy and served several months after the initial breach thus the cause of action delayed by X months and the Limitations period prolonged to 6 years and X months which in effect allows the creditor to stop time running and the creditor having effective control of when a limitation period begins or even starts to run.        
    • there is alot of twaddle in that template appeal letter that originates in paragraphs of various letters found on many alternate websites heavily into common law,  FmOtL and sovereign state stuff. i suspect that, luckily, any successes to date came about because of the other correct arguements it has merged into it.   the classic signs of their incorrect arguments always revolve around:   intimating that speculative invoices are somehow a PENALTY Charge, thus anything the PPC does wrong will suddenly become a serious ILLEGAL Criminal matter in a magistrates court, a bigger stick to hit them with.   Sadly PPC's and any kind of compliance issues under UTCCR and CRA 2015 consumer codes are only unlawful, a Civil matter in the county court and the authorities that would be involved in such compliance issues, the FCA, the FOS and the ICO have never got involved in any private parking matters to date. There is also no evidence of any code non compliance ever being legally tested nor playing any part in any of the county court PPC success cases to date. their need for code compliance is a total red herring.   the other classic give away is the same spelling mistakes in all versions - like weather not whether.   can you post up the answers to our template questions as text here not a docx ...thankyou.
    • Hi   This also bring into question exactly what Risk Assessment was carried out by your Employer before and during these works for the Employees working in that environment during these ongoing works.   If they ever did try the disciplinary route due to your asthma attacks the one thing I would be asking for is that Risk Assessment that was carried out before and during the refurbishment works
    • Hi   The Housing Ombudsman suggesting that you start at Stage 1 process again with A2 is shocking and if this is suggested again you ask to speak to another person on this matter that is senior as A2 have Breached their own complaints procedure by failing to acknowledge your letter/emails which you have evidence they received to escalate this matter for some not day/weeks but months which in turn they have also Breached their Customer Care Policy/Charter.   Do Not accept the Housing Ombudsman trying to get you to start the complaint process from the start again with A2 as it is A2 that has Breached it not you and you last letter/email to A2 was giving them the option to either escalate your complaint to Stage 3 or issue you with a Letter of Deadlock so you can go to the Housing Ombudsman but yet again A2 failed to acknowledge.   Remember the above as it is short and straight to the point.   Also do a wee bullet point list with dates of what has happened              
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Hi, I was looking some advice. My mum took a secured loan against the house a number of years ago. It was around £5000 and so far has paid maybe £12000 back. Mum is now in a position that she has to sell her house. What way does this leave the loan? 

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it must be settled upon the sale.

any outstanding balance will be paid from the sale value by your solicitors 

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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It could halt the sale of the property unless alternative arrangements are made to settle the balance.

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it could prevent the sale of the property or it could become an unsecured shortfall debt.

 

i'd be sending swift an sar

i bet there are £1000's in unlawful penalty charges. that are all reclaimable at their int rate.

always is with swift, they are terrible to their customers, so you can never clear the balance by normal monthly payment.

now if you'll get them refunded is another matter.

 

ive moved you to the swift forum.

 

have a read of a few swift thread

use our search top right for

swift.

 

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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