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    • Please make sure that you have read at least a dozen or so of the other Hermes stories on the sub- forum. Come back and confirm that you have done this. Once you have done the reading you will understand the whole situation about insurance and you will understand that with our help you will be able to get all of your money back. You will also understand how it works and the fact that Hermes will force you to go to court and they will eventually go to mediation and there they will end up offering you pretty well everything you are claiming that they will try to hold back on a few things such as court costs. You will also understand that if you stand your ground then you will get everything. You will see that Hermes will exploit the tax payer funded poorly resourced County Court system in order to avoid their proper responsibilities towards you and to avoid the consequences of their own negligence in handling your property. Hermes treatment of their own customers and of the County Court system is abusive but I'm afraid that there is nothing we can do to stop them other than to challenge them all the time and to make sure you get your money back. You will need to begin a formal complaint against Hermes. Simply tell them that you don't accept their position and you want your money back. Send it to them by email. Don't certainly deadlines – but wait probably about 10 days and then if they refuse or if you don't hear from them come back here and we will help you with the next step. If you've done your reading then you will know what those steps are You will get your money back but I'm afraid that Hermes will spend far more than it's worth to try and deprive you and so it will probably be at least two or three months.  
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    • Hi   Irrespective that you were given this property via the homelessness scheme in your area you would more than likely have signed an agreement for that property so forget about the homelessness an you then became a Tenant of that Housing Association and have the exact same rights as any other tenant of that Housing Association.   I do have compassion for you in this situation as you have been trying to get your life back in order and it as been one obsticale after another then this flooding which due to it being raw sewege has more than likely detroyed what belonging you had.   What I am going to say now you won't like to hear but with Housing Associations the contents of a Tenants property is for that individual Tenant to ensure they have proper 'Contents Insurance' for situations similar to yours and most Housing Association should advertise/let Tenants know this responsibility.   Were you ever informed of the above requirement when viewing/signing the agreement for the property by either the Housing Association/Support Worker? (if the answer is NO then bear than in mind as this is ammunition to use against them)   Now anytime you write to the Housing Association on this matter you make sure and title your letter as a 'Formal Complaint' and to keep a good paper trail of everything and ask the post office for Free Proof of Posting.   You also need to make sure that you take photographic evidence of all the damage to the property not just your own belongings.   Now as state you now need to make a Formal Complaint in writing explaining everything that and what you have been told to date and that you require the following:   1. Clarification as to how many complaints have been made in your building due to drainage issues whether it be an individual properties toilets/sinks/baths/showers/kitchen sinks/washing machine drainage etc.  ( just to clarify you ar not asking for that individual/Tenant data but the statistics of how many compliaint's on this matter) 2. Clarification as to who is responsible for the Drainage outside the building (refer to the exact blockage area outside the building) whether it is the Housing Association/Council/Water Company. 3. Copy of your Compensation Policy (not the leaflet) 4. Copy of your Complaints Policy (not the leaflet) 5. Copy of your Customer service Charter/Policy (not the leaflet) 6. Copy of your Public Liability Insurance (not the leaflet) 7. Copy of Repairs an Maintenance Policy (not the leaflet)
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Bankruptcy, CRAs and Default notices


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Hi all, spent the last hour navigating round the site for answers :-(

forgive me if this is the wrong place to post this enquiry.

 

In October 2014, due to ill health and having to give up a very well paid job, I couldn't satisfy my debts, before illness I could easily afford car payments etc.  I was advised  by my IFA that bankruptcy would be the only way forward. March 2015, I went through the process of declaring myself bankrupt, a very soul destroying process I have to say.

 

I recently had occasion to check my credit score through Transunion, Equifax and Experian, and find that most of my old debts have disappeared from my report apart from 2 from O2 and one from FGA (for car loan),  They appear to have issued continuous default notices and renewing the entry every year. 

 

The first default notice from FGA appeared 2 months after the Bankruptcy, and the notices from O2 7 Months after,  I have written to FGA twice and have had no reply and O2 want a certificate of Discharge which cost £70, something I can;t afford.  I've been trying for weeks to resolve this an getting nowhere, can anyone help please

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How did you apply for you Bankruptcy...if it was done on line there is no fee for the certificate of discharge.

 

Also ....

 

Quote

Your discharge from bankruptcy will happen automatically, so you won't necessarily get proof sent to you.

Email the Insolvency Service [email protected] to get a free confirmation letter. You should only ask for this after the discharge date.

 

https://www.citizensadvice.org.uk/debt-and-money/debt-solutions/bankruptcy-2/after-you-go-bankrupt/discharge-from-bankruptcy/

 

Andy

 

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

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also i believe under the IVA rules a debt should be marked as defaulted in its summary on or before the IVA start date. not just D in the calendar section.

 

the debts should not be showing at all.

 

 

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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Hi Andy, I applied online but was required to go to court and and give them relevant paperwork and feel

 

All my credit card card debts for three cards no longer show, just O2 for "loan" and outstanding amount for service charge,

 

I disputed this at the time as I was able to pay the service charge monthly call charges if you like, but they refused and disconnected my number as they pulled the plug i didn't consider that I was liable for any future charges. 

 

FGA have just today renewed the entry on equifax, the CRAs should Chase this in my opinion as it appears to me to be a false entry.

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so you bought a phone too from o2?

 

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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opps sorry i was on a small screen an thought IFA was IVA..:lol:

 

i believe the rules are the same though

all debts must be marker defaulted (I'e same as issuing a Default Notice) on or before BK .

 

the CRA's should know this if you provide proof of BK and everything should be removed.

 

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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Hi thanks for the info, I'm still struggling,

I have a letter of discharge so discharge was one calendar year of bankruptcy.

 

What is confusing for me is that there are notices of default with the CRAs that are after the date of my bankruptcy but before I was discharged.  I was under the impression that default notices can't be issued after the bankruptcy date.  I could do with some clarification on this if possible.

 

I have written to the CRAs and they tell me it is up to the client (My  Creditors) to add remove entries.  However if those entries should be there how can I bypass the (creditors and insist the CRAs remove the entries?

 

Sorry if I seem a bit hapless it is worrying me as the years are creeping up on me and I don't want any issues on my credit report should anything happen to me.

 

Thanks again

 

Kind regards

Ken

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might be worth just letting them know you were declared bankrupt, case number, date and court it was heard in...

and the discharge notice 

 

demand they remove all trace of any debt that was within the BK, tell them they have 14 days or you will raise a serious complaint with the ICO and seek financial damage.

 

it is NOT solely down the the named creditor, though you could hit them with the threat first.

 

 

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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