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    • Commercial Landlords are legally allowed to sue for early cancellation of the lease. You can only surrender your lease if your landlord agrees to your doing so. They are under no obligation even to consider your request and are entitled to refuse. You cannot use this as an excuse not to pay your rent. Your landlord is most likely to agree to your surrendering the lease if they want the property back in order to redevelop it, or if they wants to rent it to what they regards as a better tenant or at a higher rent. There are two types of surrender: Express surrender in writing. This is a written document which sets out the terms of the surrender. Implied surrender by conduct. (applies to your position) You can move out of the property you leased, simply hand your keys back and the lease will come to an end, but only if the landlord agrees to accept your surrender. Many tenants have thought they can simply post the keys through the landlord's letter box and the lease is ended. This is not true and without a document from the landlord, not only do you not know if the landlord has accepted the surrender, you also do not know on what basis they have accepted and could find they sue you for rent arrears, service charge arrears, damage to the property and compensation for your attempt to leave the property without the landlord's agreement. Unless you are absolutely certain that the landlord is agreeable to your departure, you should not attempt to imply a surrender by relying on your and the landlord's conduct.  
    • I had to deal with these last year worst DCA I have ever dealt with. Just wait for the constant threats of CCJ and how you'll lose in court and how they won't do mediation and they want the judge to question you with a load of "BIG" words to boot with the letter. My case was struck out in the end, stupidity on their part as I admitted to owing the debt in the end going through the court process was just a formality as they wouldn't let it drop despite me admitting the debt regardless. They didn't send the last part of the court paper work in so it ended up being struck out     .
    • Well, that's it then. Clear proof of the rubbish cameras. Clear proof of double dipping. G24 won't be getting a penny. Belt & braces, I would write to the address LFI has found, include the evidence of double dipping, and ask Fraser Group to call their dogs off.
    • LOL. after sending Perch capital a CCA request with a stapled £1 PO attached (x2) Their lapdog Legal team TM Legal have sent me two letters today saying "due to a recent payment on the account, your account is open to legal/enforcement action" so i guess they have tried to apply that payment to the account to run the statue bar along. dirty tactics lol.
    • I have initiated the breathing space so ill wait. from re reading everything this what i understand BS gives me 60 days break from the creditors during these 60 days they may contact me and will most likely default I need to wait until after a default notice to see whether the OC will keep the debt or sell it off If kept by the OC then i should attempt a plan or pay some token payment? If sold to DCA then don't pay and after 6 years it will leave my credit report once the DN is registered with a date. DCA may start a CCJ but unlikely, if they do come back here. last question, do you know roughly how long this will all take? in terms of defaults/default notice, potential CCJ? Would you say I have 12 months plus from when the BS ends?
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Bajillions vs RBOS


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I sent off my letter before action which was completely ignored, i gave the customer relations team a call to confirm receipt and ended up in a conversation with ross mcdonald about a refund, he said he would be very willing to discuss settling this out of court and if i could email him the chedule of charges. I did this and received an email saying he would reply in due course. This was on the 12th december. I waited until after xmas and had heard nothing, so i gave the customer relations team another ring, they said that ross was away due to a family grievance and that the issue would not be dealt with until his return, i said i was not prepared to wait and they said they would get someone to ring me back. Heard nothing. I called them again last thursday and spoke directly to ross who stated that, despite his enthusiasm to resolve the issue quickly during our previous conversation he stated that the policy is now no longer to settle ANY claims out of court. I tried to ask him about this as he was willing and i had been messed around by them for a month now. He then said "see you in court" and hung up. I immediately filled out the forms and will be taking them to the sheriff court tomorrow.

 

What i want to know is i started a seperate claim back in august which tommy mclean settled out of court, £1250. I have been charge £1080 in charges since august alone so i have decided to issue a claim for £1420 which is the charges since the last settlement and the remainder of the previous claim.

 

Is it £39 tomorrow when i take the forms up? Can i write a cheque for it?

 

I also would like to know what is likely to happen as i am a bit confused as to the procedure after the court proceedings have started and i'm not very good with legal speak rtc, any help will be appreciated. Thanks

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Hi,

 

Yes you can write a cheque for the £39.00. I take it your in Scotland and going to your local sheriff court ? After you sudmit your papers, the court will then write to you with a return date and a calling date (the day you go to court). BOS phoned me on my return date and offered me the full amount I was claiming plus my £39 court fee and interest.

 

Best wishes with your claim.

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

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summary cause is limited to £1500.

 

i took my forms up today but unfortunately i sent the bank the schedule of charges so didn't have them, its going to take another 40 days and a SAR to get the rest :mad: i also wasn't aware that you had to pay a sheriffs officer to serve the papers when making a claim at summary cause level.

 

Feel a bit rubbish and close to giving up. Basically back to square one now

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Hi, don't give up ! that's what the banks want. I've mucked up my court forms a number of times and yes i've felt exactly the same as you. Just this morning I had to phone the sheriff court because I had put the wrong date when I used the Unfair Contracts Act, I put 1997 instead of 1977 !

Phoned the court today and I have to go in tomorrow to change the date.

Just have to scribble out the 1997 and put in 1977, easy peesy.

 

Best wishes with your claim.

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Managed to find charges to make up the rest of the claim. letter should be delivered to the bank on monday :)

 

Does anyone know if it will make a difference that i've had a refund before? tommy mclean refunded £1250 to me but im due around £3000 in total and im claiming for 1455 this time round through the court

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Hi, I've also had a refund before, but will still be claiming another 4 times to get all my charges back. Did you sign anything when you accepted your first refund ?

 

Regards.

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Sorry, yes I think your right.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Must disagree, it is always possible to waive your right to make a claim which you would otherwise have. This is done all the time in settlement of legal actions. Should you agree to waive a right (normally to receive an agreed settlement figure), the question will then be whether your agreement has been vitiated by some error as to what you were agreeing to and which error was induced by the Bank through fraud or misrepresentation.

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Got the paperwork back from court today. Hearing date set for march (i won't say when, dont want Rbos to figure out who this is and monitoring the case too much)

 

So the bank should be served soon, then the ball is in their court (pun intended)

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Hi, I've got 2 claims up in March. Keep me posted when you hear anything.

 

Regards.

 

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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