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    • Please see my comments on your post in red
    • Thanks for your reply, I have another 3 weeks before the notice ends. I'm also concerned because the property has detoriated since I've been here due to mould, damp and rusting (which I've never seen in a property before) rusty hinges and other damage to the front door caused by damp and mould, I'm concerned they could try and charge me for damages? As long as you've documented and reported this previously you'll have a right to challenge any costs. There was no inventory when I moved in, I also didn't have to pay a deposit. Do an inventory when you move out as proof of the property's condition as you leave it. I've also been told that if I leave before a possession order is given I would be deemed intentionally homeless, is this true? If you leave, yes. However, Your local council has a legal obligation to ensure you won't be left homeless as soon as you get the notice. As stated before, you don't have to leave when the notice expires if you haven't got somewhere else to go. Just keep paying your rent as normal. Your tenancy doesn't legally end until a possession warrant is executed against you or you leave and hand the keys back. My daughter doesn't live with me, I'd likely have medical priority as I have health issues and I'm on pip etc. Contact the council and make them aware then.      
    • extension? you mean enforcement. after 6yrs its very rare for a judge to allow enforcement. it wont have been sold on, just passed around the various differing trading names the claimant uses.    
    • You believe you have cast iron evidence. However, all they’d have to do to oppose a request for summary judgment is to say “we will be putting forward our own evidence and the evidence from both parties needs to be heard and assessed by a judge” : the bar for summary judgment is set quite high! You believe they don't have evidence but that on its own doesn't mean they wouldn't try! so, its a high risk strategy that leaves you on the hook for their costs if it doesn't work. Let the usual process play out.
    • Ok, I don't necessarily want to re-open my old thread but I've seen a number of such threads with regards to CCJ's and want to ask a fairly general consensus on the subject. My original CCJ is 7 years old now and has had 2/3 owners for the debt over the years since with varying level of contact.  Up to last summer they had attempted a charging order on a shared mortgage I'm named on which I defended that action and tried to negotiate with them to the point they withdrew the charging order application pending negotiations which we never came to an agreement over.  However, after a number of communication I heard nothing back since last Autumn barring an annual generic statement early this year despite multiple messages to them since at the time.  at a loss as to why the sudden loss of response from them. Then something came through from this site at random yesterday whilst out that I can't find now with regards to CCJ's to read over again.  Now here is the thing, I get how CCJ's don't expire as such, but I've been reading through threads and Google since this morning and a little confused.  CCJ's don't expire but can be effectively statute barred after 6 years (when in my case was just before I last heard of the creditor) if they are neither enforced in that time or they apply to the court within the 6 years of issue to extend the CCJ and that after 6 years they can't really without great difficulty or explanation apply for a CCJ extension after of the original CCJ?.  Is this actually correct as I've read various sources on Google and threads that suggest there is something to this?.
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Buchanan Clark & Wells - update and help please!


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Hi All

 

After posting my welcome message I was advised to bring this onto this forum - therefore an update. Initially received a Formal Demand from BCW for about £2k on behalf of their client Thames Credit Ltd. The letter had the correct surname but incorrect first and middle - I repiled 5 days later by letter - before finding this forum - confirming that the surname was correct but rest wasn't, and confirming no details/agreement or knowledge of alleged debt - and also requiring all details of alleged debt before giving any more of my details etc. Three days later receieved final notice from BCW. Subsequentially found this forum sent Postal Order with formatted letter N and copy of my original letter recorded delivery - this was sent 15th of this month (Feb). Today received 24th - received letter dated 22nd from admin department of BCW which is short and to the point - it acknowledges my letter and the states 'I can confirm that I have arranged for a copy of the invoice to be sent to you directly by Our Clients. This will be with as soon as possible' - am I right in thinking there is a time limit for my request under the CCA request - which I clearly asked for using letter N and additionally I thought this was for a copy of any alleged credit agreement - not an invoice? Should I respond or leave until any further details turn up etc. Any help I would be grateful.

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I have got a similar letter but it doesn't say an invoice it does say agreement. After 12 days they are in default and after a further month if they try and chase the debt they will be commiting a criminal offence as far as i am aware.

Ex CAG helper ^_^

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I checked to be sure and it does state invoice? I also confirmed the date of signing for recorded delivery which is 16th Feb - I had laso previously used checkmyfile and nothing shows up from my last three addresses which goes back to 1995 and in that time haven't been refused credit. I think I will see what they come up with. I have to say this is a great forum and thanks for those who have come back with answers etc it's the first time I have used anything of this nature!

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Hello, dont know if I can post this here or start new thread, its concerning Buchanan Clark and Wells.

 

I received two letters today for someone else but my address, one is a Final Notice and the other is Formal Demand same name and ref no on both, I call them to say this person doesnt live here has never lived here and am given the third degree, I refuse to answer some of the questions as I dont know who the person on the letter is and I feel I am entitled to my own privacy, [am I right] anyway the woman starts shouting at me tells me I am not being co-operative and puts the phone down. What do I do. I refused to give her my name was I wrong in doing so. I have no debt so its not as if only the name was wrong and the debt was mine.

 

You'ld be better served starting your own thread for this so that "we" can give you better advise, rather than jumping in on someone elses...

 

There are template letters in the library that you can use...

 

Look forward to seeing your thread!

 

Best regards, Dave.

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I have no idea where the debt is from - even if it is fact is me as the first two names on the letters are similar but not my names. What exactly is the six year rule?

Thanks for your reply

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