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    • Hello Friends. I cannot believe it but im being evicted again, i was given a section 48 notice 4 months into my tenancy. I already went through this process last year, i overstayed in my last place by a few months and left on 6th Oct 2023. I knew to check all the documentation that they sent to see if the notice is legal, it looks like it is. I took this place out of desperation as i had to vacate that last place. I hate this place so im not bothered about leaving it.    These cowboys lied to me when i viewed the house. I told the agent that i was evicted from my last house and naturally i dont want this to happen again. She said  the landlord has no plans to sell the house. What she did not tell me was that the landlord had tried to sell the house last year and failed. So it looks like they have used me to fill in the short period of time until its time to sell again. I did see it advertised online.   I told them im not in a strong enough financial position to find another property, cost of a deposit, 1 months rent and moving costs.   They have told me they are starting legal proceedings. They have sent me an invoice for £395 but i have not even received the court paperwork.    I dont like the job im in so i have decided to relocate to a better job and hopefully find cheaper rentals.   I can post a copy of the notice if needed.  
    • yes a judgement sorry I used the wrong word before
    • Hi So on Friday I received a copy on email from the claimants solicitors with an attached relief from sanctions application - on the basis that the solicitor missed the deadline for the additional directions and it was an oversight on their part and that the claimant should therefore not suffer.   They then attached a copy of the deed of assignment and a new witness statement.  They stated that they would be happy to delay the court date by 28 days but that they believed both parties were ready for the court case on 7th June. My first question, is there anything I need to do or do I just sit and wait to see what is decided?  Secondly, is it likely the judge will be aware that the claimants solicitors did exactly the same in the set aside court case (ie they filed their court bundle late and applied for relief from sanctions on the morning of the court date, and my solicitors had no choice but to agree because they threatened to strike my case out because my solicitors had only filed their court bundle by email and not post).  This is a clear pattern of how these solicitors work rather than it being a one off oversight! 
    • I shall find the link later this evening. It was about couples not living together but being liable for council tax. I was never married or in an official civil partnership. We lived together for 18 months, I then left for 6 months for work but continued to pay my half of the bills and rent.   We then split up I gave up my tenancy she took it all in her name. She then decided to move in with me 5 months later. She then banned me from going back to my house eventually let me back in then called the police. Took over my house and is now only paying the rent not the bills so I will be landed with those to. So over the course of our relationship I have ended up paying her debts for 5 different addresses, personal loans and credit cards. If I refuse to pay them she makes more accusations.
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In need of major help, what do i do next?


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Go to debt collectors and debt collection agencies page. At the bottom of the page select the tab that says "new thread".

 

PLEASE BE CAREFUL.

Assuming you haven't had a CCJ with the account, you're almost certainly at the statute bar stage. If you make contact with them, the 6 year time limit starts again!

UNLESS YOU MAKE SURE YOU WRITE "I DENY THIS ALLEGED DEBT".

or something similar. The point is that denial of a debt does not restart the clock. Make sure every letter includes the same wording.

 

If I were you I'd try and find out when the last payment or reply to them was made but DON'T contact them directly!

 

I'm sure others more experienced than me will offer advice.

Don't be panicked into replying. Remember, Statute Bar (limitations act 1980) is a beautiful place to be. They can then go and take a hike and if they continue to contact you, it may be harassment. Remember if the account is statute barred, they have no legal rights, they are not allowed to pursue any form of legal redress. They're stuffed.

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PM me your link when youve started a new thread will ya?

 

please dont hijack this anymore, while i dont mind helping people i do mind getting confused!

 

ill PM a mod later and get them to move the messages

 

thanks

 

Kenny

Me Vs AA/Blair Oliver - Defaulted on CCA, Committed Criminal Offence, started chasing payment

 

Me Vs Great Universal - Wrote off the 2k balance, couldnt supply docs

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/74209-me-littlewoods-catalogue.html

 

My Friend Vs Lowell Portfolio - Balance written off, all action stopped!

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/75075-my-friend-lowell-victory.html

 

My Friend Vs Empire Catalogue - Balance Cleared

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/75713-my-friend-empire-droyds.html

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Major update on this.

 

 

EOS have written back to me to thank me for my letter, and considering the contents and VERY DETAILED letter i sent they have decided to pass all files back to Blair Oliver and Scott and confirm no further action shall be taken by them.

 

 

 

So its back to BOS - wonder if the calls will start again :-D

Me Vs AA/Blair Oliver - Defaulted on CCA, Committed Criminal Offence, started chasing payment

 

Me Vs Great Universal - Wrote off the 2k balance, couldnt supply docs

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/74209-me-littlewoods-catalogue.html

 

My Friend Vs Lowell Portfolio - Balance written off, all action stopped!

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/75075-my-friend-lowell-victory.html

 

My Friend Vs Empire Catalogue - Balance Cleared

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/75713-my-friend-empire-droyds.html

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lol talk about swings and roundabouts!

well hopefully this will be the end.............

additions direct-no CCA

marshall ward-no CCA

next-CCA turns up after they have committed offence,(30 days) S.A.R - (Subject Access Request) time!

monument -CCA not signed reported to TS for harrassment 1st letter sent TS are useless

associates visa-no CCA

think there might be a pattern here!?:lol:

GE Money- won

barclaycard-- N1 put into court

capital one - won

NatWest- won

 

never lose sight of your goal!

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Hi Kenny. Let's hope you can bring this to a close some time soon. You must be exhausted trying to keep up with it all.

 

Keep soldiering on and good luck ;-)

I'm midway through the tunnel, but getting closer to the light.

 

 

 

Please be aware that i am not an expert in anything!

I may offer an opinion, but the final decision is yours.

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thanks guys, have let Trading Standards know and sent them a copy of the letter, its now up to BOS (Blair Oliver and Scott), Trading Standards are writing to HBOS (Halifax Bank of Scotland) to ask why their letters have not been answered.

 

so as usual watch this space.

Me Vs AA/Blair Oliver - Defaulted on CCA, Committed Criminal Offence, started chasing payment

 

Me Vs Great Universal - Wrote off the 2k balance, couldnt supply docs

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/74209-me-littlewoods-catalogue.html

 

My Friend Vs Lowell Portfolio - Balance written off, all action stopped!

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/75075-my-friend-lowell-victory.html

 

My Friend Vs Empire Catalogue - Balance Cleared

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/75713-my-friend-empire-droyds.html

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Update

 

Hi MR KRP

 

I have received a response from the company in your complaint.

 

In order for them to assist me in my enquiries regarding your personal circumstances, they require me to send written and signed authorisation from you that I am able to act on your behalf.

 

I would therefore be obliged if you could print off and complete the

attached mandate.

 

Kind Regards

 

 

 

 

 

 

 

 

 

so i have done this and personally handed it into her.

 

 

so who thinks they actually have documents?

Me Vs AA/Blair Oliver - Defaulted on CCA, Committed Criminal Offence, started chasing payment

 

Me Vs Great Universal - Wrote off the 2k balance, couldnt supply docs

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/74209-me-littlewoods-catalogue.html

 

My Friend Vs Lowell Portfolio - Balance written off, all action stopped!

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/75075-my-friend-lowell-victory.html

 

My Friend Vs Empire Catalogue - Balance Cleared

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/75713-my-friend-empire-droyds.html

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  • 2 weeks later...

Update

 

Have since gotten a letter from HBOS stating they are looking into my complaint and i should recieve a reply shortly, along with my signed CCA.

 

 

mmmmmmmm interesting.

 

Thoughts?

Me Vs AA/Blair Oliver - Defaulted on CCA, Committed Criminal Offence, started chasing payment

 

Me Vs Great Universal - Wrote off the 2k balance, couldnt supply docs

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/74209-me-littlewoods-catalogue.html

 

My Friend Vs Lowell Portfolio - Balance written off, all action stopped!

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/75075-my-friend-lowell-victory.html

 

My Friend Vs Empire Catalogue - Balance Cleared

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/75713-my-friend-empire-droyds.html

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Hi Kenny, the saga continues eh?

It sounds like HBOS got a little telling off from TS about their non-actions regarding your contact, so have had to contact you.

What is the update from TS? Or once you have complained do they take control of the complaint and let you know the outcome, or the progress as well?

Surely the CCA will be well overdue by the time HBOS get around to sending it to you!

Red x

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yes the CCA would be well overdue, but can still make it enforceable, through a court of law, which is where i will take them if they produce it as its been since December last year!

 

Red check out my "me vs littlewoods" thread, you wont believe whats going on over there.

 

and how are you anyway hun?

Me Vs AA/Blair Oliver - Defaulted on CCA, Committed Criminal Offence, started chasing payment

 

Me Vs Great Universal - Wrote off the 2k balance, couldnt supply docs

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/74209-me-littlewoods-catalogue.html

 

My Friend Vs Lowell Portfolio - Balance written off, all action stopped!

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/75075-my-friend-lowell-victory.html

 

My Friend Vs Empire Catalogue - Balance Cleared

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/75713-my-friend-empire-droyds.html

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Hi Kenny will hop over to your other thread and catch up. You sound strong, which is invaluable when dealing with these companies!

I am ok, taking the rough with the smooth!

Could be an interesting case this one Kenny, if/when HBOS reply!

Red

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Trading Standards Rep back from Annual Leave today, apparently HBOS have not got back to her yet.

 

Nothing new there then.

 

The longer it takes, the better for me to be honest.

Me Vs AA/Blair Oliver - Defaulted on CCA, Committed Criminal Offence, started chasing payment

 

Me Vs Great Universal - Wrote off the 2k balance, couldnt supply docs

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/74209-me-littlewoods-catalogue.html

 

My Friend Vs Lowell Portfolio - Balance written off, all action stopped!

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/75075-my-friend-lowell-victory.html

 

My Friend Vs Empire Catalogue - Balance Cleared

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/75713-my-friend-empire-droyds.html

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Kenny,

I don't think that HBOS should be delaying their response to TS! At least you know that you have dealt with it all and will now see it through until the end. As you say, better for you in the long run, let HBOS get into trouble on their own!

Red

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  • 3 weeks later...

ok seems like im stung.

 

 

after all this time (since december 06)

 

the AA finance company have provided Trading Standards with a copy of my original CCA

 

here is the email i got.

 

 

 

I am writing to update you on the situation regarding your complaint. I have now received a copy of your original credit agreement from AA personal finance. The credit agreement that was sent to me has two signatures on it- KPR and KPRS Mum. It is dated 10.03.04. I would be obliged if you could let me know if you will uplift it from our office or if you would prefer that I post it to you.

 

I have some concerns as to the way that the company have dealt with your complaint and I plan to write a final letter to them and notify their home authority Trading Standards Department of the problems that you experienced.

 

 

 

 

 

 

 

 

 

 

so where do i go from here?

 

i still have concerns that they have the loan down as a joint loan with me and my spouse! but its really my mum.

 

when i get the copy ill scan if for you ALL to see to let me know my next step or if i have to resume payments.

Me Vs AA/Blair Oliver - Defaulted on CCA, Committed Criminal Offence, started chasing payment

 

Me Vs Great Universal - Wrote off the 2k balance, couldnt supply docs

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/74209-me-littlewoods-catalogue.html

 

My Friend Vs Lowell Portfolio - Balance written off, all action stopped!

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/75075-my-friend-lowell-victory.html

 

My Friend Vs Empire Catalogue - Balance Cleared

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/75713-my-friend-empire-droyds.html

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Oh my goodness KPR! What a twist.

I do not know what to suggest on this one, we all know about the deadlines for providing the CCA request, and this one is well overdue. I will be interested to see what the experts think, as I am sure that more CCA requests may start popping up when TS get involved.

I will keep an eye out for you, and hope that someone has a more helpful response than me LOL

Hugs

Red

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but i remember signing it and remember all the terms on it.

 

ill just have to see but i think this will be legit.

 

will update you when it comes through the post.

 

its over 5k owed that would be better if it was never there :-(

 

one other question, say in 6 years the default drops off, can they put another default on if the debt is paid off????

Me Vs AA/Blair Oliver - Defaulted on CCA, Committed Criminal Offence, started chasing payment

 

Me Vs Great Universal - Wrote off the 2k balance, couldnt supply docs

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/74209-me-littlewoods-catalogue.html

 

My Friend Vs Lowell Portfolio - Balance written off, all action stopped!

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/75075-my-friend-lowell-victory.html

 

My Friend Vs Empire Catalogue - Balance Cleared

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/75713-my-friend-empire-droyds.html

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Think I read on another thread that they can only place an account in default once, they can't renew it?

Good luck

ali x

Btw I am no expert just give notes based on what I have read on here and other forums/sites, plus my own experiences and investigations.

 

All ccj's now dropped off file, 2 yrs to go to clear file.

All old debts either settled or made unenforcable.

 

RBS MPP-Full offer at 8 wks from first complaint

RBS Overdraft loanguard-full offer at 8 wks from complaint

Citicard ppi-with FOS finally paid 8 months after offer through FOS!

Capital one x2- with FOS

Monument ppi-with FOS

aqua x2 ppi-partialled settled still pushing for the rest

Black horse ppi-offers made and accepted except for one early loan they say no info held-still pushing for payment

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UPDATE

 

Popping into the TS office today to pick up the copy of the alleged agreement. (picking it up in half an hour)

 

once i have it ill scan it up for you (probably between 1 and 2pm)

all to have a look, no doubt ill PM many of you for your opinions!

 

Got a statement of account from them as well,

 

they put a £25 charge on there.

 

is that worth pursuing! lol

Me Vs AA/Blair Oliver - Defaulted on CCA, Committed Criminal Offence, started chasing payment

 

Me Vs Great Universal - Wrote off the 2k balance, couldnt supply docs

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/74209-me-littlewoods-catalogue.html

 

My Friend Vs Lowell Portfolio - Balance written off, all action stopped!

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/75075-my-friend-lowell-victory.html

 

My Friend Vs Empire Catalogue - Balance Cleared

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/75713-my-friend-empire-droyds.html

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ok advice needed

 

this is according to Trading Standards all that the AA sent, i cant get the picture up right now as it scans in adobe and my works computer wont put it in paint to be transferred to a bitmap etc.

 

now it is an agreement, but it is only 1 page, and at the bottom states "turn overleaf for terms and conditions" yet the back page is blank, therefore im guessing they havent complied?

 

so i dont feel that they have yet fully complied with my CCA, Trading Standards are saying they feel they have, they clearly havent so i am looking for wording to give Trading Standards so they can use if for the AA.

 

Advice needed!

Me Vs AA/Blair Oliver - Defaulted on CCA, Committed Criminal Offence, started chasing payment

 

Me Vs Great Universal - Wrote off the 2k balance, couldnt supply docs

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/74209-me-littlewoods-catalogue.html

 

My Friend Vs Lowell Portfolio - Balance written off, all action stopped!

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/75075-my-friend-lowell-victory.html

 

My Friend Vs Empire Catalogue - Balance Cleared

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/75713-my-friend-empire-droyds.html

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i basically asked TS to write to them and inform them they have not fully complied with CCA and that i want ALL documents regarding the agreement etc.

 

will see what TS say in their email back to me!

Me Vs AA/Blair Oliver - Defaulted on CCA, Committed Criminal Offence, started chasing payment

 

Me Vs Great Universal - Wrote off the 2k balance, couldnt supply docs

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/74209-me-littlewoods-catalogue.html

 

My Friend Vs Lowell Portfolio - Balance written off, all action stopped!

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/75075-my-friend-lowell-victory.html

 

My Friend Vs Empire Catalogue - Balance Cleared

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/75713-my-friend-empire-droyds.html

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