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    • Hi With the Section 21 Notice I do hope the Landlord issued you with: Energy Performance Certificate (EPC) for the Property How to Rent Guide A current Gas Safety Certificate (if gas in the Property) If above have not been provided to the Tenant by the Landlord then they can't use a Section 21 Notice until the above have been provided (note you don't warn the Landlord of this until but put it in your defence) Have a good read of this link: Evicting tenants in England: Section 21 and Section 8 notices - GOV.UK WWW.GOV.UK Information for landlords in England on tenant eviction: assured shorthold tenancies, including eviction notices, Section 21, Section 8, accelerated possession, possession orders, bailiffs  
    • good idea take some pix and put them in a PDF read UPLOAD dx
    • thread title updated moved to overseas debt forum. sadly as they are outside any UK jurisdiction upon DCA rules which state in the UK they must not call employers, there not alot you can do to stop these scammers. make sure you totally make private ALL social media twitter/facebook/linked in etc etc as there no-way for them to findout where you work otherwise so you must have a leak somewhere. find it. your employer details arent even legally available to UK DCA's so how have they found it out to date???  simply write to the BANK informing them of your correct and current address ALWAYS!!. if you want to arrange payment or not TO THE BANK ONLY thats upto you. never ever ignore a Statutory Demand a Letter Of Claim a Court Claimform. if if if any of those ever happen. till then ignore and rewash. dx    
    • Date of issue –   13 may 2024 AOS date 31st may defence filing date 14th june plenty of lowell card claimform threads here use our enhanced google searchbox Lowell card claimform id be reading at least 5-10 threads a day. do NOT MISS your defence filing whatever happens.  
    • Hello All,  I’m hoping someone can help me urgently here. Firstly, I’d like to say I have read multiple other threads and have some what an idea of what I should be doing, however my case might be slightly different so coming with my own questions here.    my situation is I lived in Dubai and had a credit card and a loan, loan with HSBC and credit card with Emirates (or the other way round), I lost my job and was forced to leave the country as I was staying in the country on my companies visa.    since coming back, after a few years 2 different debt collections agencies have been approaching me (one being IDRW and the other J&P). I’ve never answered IDRWW and they constantly chase me by calling and messaging me and my employer. My current company is ok with this as I explained the situation but I’m soon to be joining a new company who definitely won’t be ok with being messaged and called. I’m afraid to continue to ignore them as they may message and calm the new employer as they have before and I’ll lose my job. However, it seems clear from these forums that dealing with the debt collection agencies is never a good idea. You shouldn’t agree to the amount or pay anything.    j&p caught me on my phone but I still haven't sent them any money or confirmed the amount they’re saying is owed, they keep pushing to pay off the “principal” amount by making monthly payments, from reading these forums it seems like if I make one of those payments (they have provided bank details for ENBD), then it’ll just be paying off interest and not actually clearing the principle debt and the bank won’t even approve receipt of payment or that it’s coming off principle.    this is my predicament as ignoring them might not be an option if they chase my new employer. Maybe there’s a way to ensure the debt collection agency don’t contact my new employer?? I don’t know? Massively appreciate peoples help here. Thanks, 
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New Claim - Another Capital One


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Hi folks,

 

Just to throw my opinion in FWIW, on credit cards I multiplied the monthly rate by 12, because they dont charge you interest on fees, I based it on the fact that because payments went off fees first, they charged me purchase interest on a balance that was higher because they had levied fees and had they not levied the fees the amount of purchase interest the following month would have been less. So effectively they mismanaged my purchase interest rate (if that makes sense, it does to me). I will use the unauthorised rate when it comes to claiming my bank charges but I think if the store/credit cards go to court, I could argue the lower APR rate better than a 34.9% etc

Morgan Stanley

**Won 31.01.07 with CCI**

Capital One

**Won 19.04.07 with CCI**

Halifax current & Joint

Verbal S.A.R 11.01.07, stats recd 18.01.07

Halifax Visa prelim sent 26.01.07. Reply 31.01.07 Filed N1 on 20.03.07 - Judgement granted, sent in the bailiffs

GE Capital

Frazercard Prelim sent with CCI 27.01.07

Burtons Prelim sent with CCI 22.01.07

 

RBOS Visa S.A.R sent 12.01.07

Partners JJB card (Creation) *Won* with part interest - 15.02.07

 

 

Partners LLOYDS Account S.A.R 13.12.06 - stats recd 30.01.07. Prelim sent with CCI 01.02.07

 

Partners BOS Mastercard Offered all charges except £12. Refused. N1 filed 20.03.07 - Judgement granted, sent in the bailiffs

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OK, have done spreadsheetm, very impressive set of figures and used cap one's interest they gave me over the phone that relates to my account. Thank you so much for everyones help in relation to spreadsheet and interest charges, millymollymoo you have been a star today.

 

 

Thanks doo , you are very welcome, however I feel the thanks should really go to bill-k ;) He helped me from the very start :)

 

Milly X

CAPITAL ONE (O/H!): Won £1864.63 including contractual :D

GE MONEY: WON £266.00

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RedSonja, well done with your win. However, I should point out that, with compound interest, multiplying the monthly rate by 12 does not give you the correct annual rate. You would do better to find the current annual rate by checking online. If you claim gets in to court, there is a chance it could be thrown out, as the interest bears no relation to the contractual reality !!

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Thanks Bill :D

 

So....does it not matter that the interest I have been charged (when I shouldnt have been) was only 16.85% then?

Morgan Stanley

**Won 31.01.07 with CCI**

Capital One

**Won 19.04.07 with CCI**

Halifax current & Joint

Verbal S.A.R 11.01.07, stats recd 18.01.07

Halifax Visa prelim sent 26.01.07. Reply 31.01.07 Filed N1 on 20.03.07 - Judgement granted, sent in the bailiffs

GE Capital

Frazercard Prelim sent with CCI 27.01.07

Burtons Prelim sent with CCI 22.01.07

 

RBOS Visa S.A.R sent 12.01.07

Partners JJB card (Creation) *Won* with part interest - 15.02.07

 

 

Partners LLOYDS Account S.A.R 13.12.06 - stats recd 30.01.07. Prelim sent with CCI 01.02.07

 

Partners BOS Mastercard Offered all charges except £12. Refused. N1 filed 20.03.07 - Judgement granted, sent in the bailiffs

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Bill - I checked my APR with cap one and have used that, is that ok?

 

And yes thanks Bill for help with spreadys etc,your kind help you have given milly has been passed on to me and so on... one big happy family.

 

Also I about to do letter, the address I send it to - is this right.

Capital One Bank

Legal Department

4th Floor

Loxley House

Station Street

Nottingham

NG2 3HX

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So....does it not matter that the interest I have been charged (when I shouldnt have been) was only 16.85% then?

No - when they charged you that interest, that was the current rate, then. When you now claim contractual interest, you are charging them interest, now, and at the current rate !!

Bill - I checked my APR with cap one and have used that, is that ok?

Yes, that's fine.

And yes thanks Bill for help with spreadys etc,your kind help you have given milly has been passed on to me and so on... one big happy family.

:)

Also I about to do letter, the address I send it to - is this right.

Capital One Bank

Legal Department

4th Floor

Loxley House

Station Street

Nottingham

NG2 3HX

You might use this one later.

Hi doo,

 

I sent mine here:

 

 

Robert Udy

Executive Office

Capital One Bank (Europe) Plc

PO Box 5283

Nottingham

NG2 3YG

Yes, use this one. Leave R Udy off it if you want, but it's up to you - you might get somebody else dealing with it. I got M Daley.

 

Milly X

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Ah I see said the blind man!

Luckily I only used the x12 for morgan stanley, all my others have the current rate.

Thanks again Bill for pointing me in the right direction! :-)

Morgan Stanley

**Won 31.01.07 with CCI**

Capital One

**Won 19.04.07 with CCI**

Halifax current & Joint

Verbal S.A.R 11.01.07, stats recd 18.01.07

Halifax Visa prelim sent 26.01.07. Reply 31.01.07 Filed N1 on 20.03.07 - Judgement granted, sent in the bailiffs

GE Capital

Frazercard Prelim sent with CCI 27.01.07

Burtons Prelim sent with CCI 22.01.07

 

RBOS Visa S.A.R sent 12.01.07

Partners JJB card (Creation) *Won* with part interest - 15.02.07

 

 

Partners LLOYDS Account S.A.R 13.12.06 - stats recd 30.01.07. Prelim sent with CCI 01.02.07

 

Partners BOS Mastercard Offered all charges except £12. Refused. N1 filed 20.03.07 - Judgement granted, sent in the bailiffs

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Sorry bill but computer said no! I have been told I must spread myself about a bit first before I can let you have that banana. You know what I mean. I will be there soon.

 

Tanz

Thanks for the thought, Tanz, mate !! No bovver. Actually, I never really looked that close at your spready totals - I was that busy today. But, yes, that is one sweetie of a claim, mate, and a very good example of the power of compound interest !! Just buy me a beer or seven when the time comes, eh ? ;):D

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  • 2 weeks later...
Thanks Tanz, hope so, I guess this is where the fun will start.....

 

I am sending my AQ tomorrow for Cap One claim should get the default removed if they play it like smels claim recently, already had the money offered i.e. wiped debt of about £750 and the a cheque for £300 which I sent back to them as not preparred to accept until default removed.

 

Also just copiled a prelim for Barclays 2nd claim pre 6 year with Contractual and thats over 13.5k as of todays date.

 

Also got HSBC one going of tomorrow to for £600 ish.

 

Plus 2 x Barclaycard 1 mine and one my partner.

 

Busy Busy Busy

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Well Tanz, was so pleased for smel, it has really made me want to fight them for all my money and default removal. Have followed smels thread and taken lots of notes and am following yours very closely, so good luck. Will probably need some help from you in a couple of weeks.

 

Have just finished second claim for halifax (separate account) but in both cases did not have to file court action as got all money back (£30 short I can live with that). Am also doing HSBC claim for daughter, so also busy, busy, busy but loving it. Nice claim you have running with barclaycard, must subscribe to that thread as they are next on list for hubby.

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