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    • Hi all,        I really need to start my own thread on this Claim with Overdales/Lowell for a Cap One debt. but have already got to this stage .. My initial question for the moment - until replies come in - is that I figure my main stance is that a purchased debt cannot be claimed, debts can only be claimed by the original issuer of the debt .. but mediation is about coming to an agreement. So would I be acting in bad faith if I enter into mediation yet not seeking to come to a financial agreement? Also, I need to reject the scheduled time slot and ask for another as I'm not going to be free during those hours. The wording of the email gives the impression that I am given this one slot and if I reject it, then I am rejecting mediation - there is no mention of rescheduling, only of freeing up the slot for others .. although, I would have thought it would say so, if there were no possibility to reschedule.. Can I ask for another date without issue?   Anyway, if it's more helpful, I am happy to post up my defence and start a proper thread? I had a lot on at the time and had to do things right away due to the time limits, so didn't feel I had time to come here and go back and forth for info, so put my defence together from reading through relevant threads, late at night. CCA request appears to have been fulfilled (I'm still to check the accuracy of the documents). The other thing, asking solicitors about the particulars of the claim, hasn't .. although I forgot to ask for proof of postage and didn't send recorded post either (whereas the CCA I did), so not sure if I can pursue that easily ..?  
    • Looking for a bit of assistance. I moved into a rented flat on 20th April 2024. I viewed it on the 14th April. Before I moved into the flat, the letting agency provided me with an offer sheet, in said offer sheet I made a number of requests and conditions related to me progressing with assuming the tenancy. These were: 1. A professional clean of the flat prior to move in date. 2. The hob, shower glass and bathroom cabinet be replaced prior to move in date. These were all planned actions by the landlord when I viewed it. I could see the boxes for the hob and other items in the flat. I prepared to move in on the 20th April but none of the work mentioned in the offer sheet had been completed. The standard of the clean was abysmal - mouldy food left in the fridge, nothing wiped down, bathroom mouldy etc. The hob, shower glass and bathroom cabinet were also not installed. I decided to not officially move into the flat as it was not in a condition as promised, my partner lives relatively close by so I lived with her initially. It was only on the 24th April that the hob, shower glass and bathroom cabinet were installed. The cleaners visited again 2 weeks after move in date (3rd April) and attempted another clean of the flat. Again, it was a poor job. I resorted to cleaning the flat myself. I have numerous pictures of the things I identified during my clean and have sent this all to the letting agency. Because of the issues faced, I asked the letting agency that the rent be reduced for the initial month. Exactly halved - to represent the 2 weeks that I was not living at the property. The landlord and letting agency have responded by saying that they will be willing to accept 1 weeks rent as a deduction but not 2. My question is, am I in a strong position to insist on the 2 weeks rent returned or have I been fortunate that they have even offered a weeks rent as a deduction? I would like to insist on the 2 weeks. I have paid the 2 weeks only as my rent collection date passed 2 days ago. Thank you for any assistance. Any further relevant details required let me know and I will provide.
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Homershairdo versus Lloyds TSB - I want my money back


homershairdo
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Gone back through previous paperwork, all consistent in their reference numbers. I have also emailed MCOL just so I have something in writing, so like you say. all bases are covered. I would be interested to hear what jon700 et al found when they phoned, as he was in the same boat, so to speak!

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Lloyds TSB - Moneyclaim issued 17/06/06 - £420

HSBC - LBA Sent 06/07/2006 - £700

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hi homer i too phoned the court to which mine has been transferred to and they have nothing on the system but they said to call again on thurs as it may be in the system!!! will keep you updated if anything happens regards jon

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this is on the tutorial on mcol if its any help

 

 

Making a counterclaim through Money Claim Online

If the defendant has a claim against you (a counterclaim) he can make it online or by completing the N9B in the claim pack.

The defendant can only make a counterclaim online if he is filing a defence to all or part of the claim.

Where the defendant files a defence and a counterclaim, but has not paid the court fee for the counterclaim (or gained fee remission or fee exemption), we will transfer the claim to the appropriate court. We will inform the defendant that if the counterclaim fee is not paid within 7 days to the local court, then the local court may take steps to strike out the counterclaim and we will copy this to you for your information. Before you commence work on a reply to a counterclaim, you are advised to check with the local court whether the counterclaim fee has been paid.

Ladyhawk

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  • 2 weeks later...

Allocation Questionnaire returned to the court yesterday.

 

If I get cold feet and want to pull out, can it be done?

 

Cheers,

 

Homer!!

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Lloyds TSB - Moneyclaim issued 17/06/06 - £420

HSBC - LBA Sent 06/07/2006 - £700

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Course it can, but why would you want to do that? Be strong, the force is with you, etc. :)

If my reply or advice was helpful, please click the scales!

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DISCLAIMER: My opinions are strictly personal, and should not be taken as a substitute for individual professional legal advice on your own particular situation.

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  • 4 weeks later...

Providing HHD didn't cancel the claim.. I reckon the AQ deadline was a week or two ago. If it's SCM dealing with this for Lloyds, it's highly likely that they put they wanted a stay for a month to attempt settlement out of court, and also to make sure that worked they said they were 'busy' for at least the next month.

 

Of course they might have just settled.. but that would be too easy :)

If my reply or advice was helpful, please click the scales!

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DISCLAIMER: My opinions are strictly personal, and should not be taken as a substitute for individual professional legal advice on your own particular situation.

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  • 12 years later...

This topic was closed on 10 March 2019.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there.

If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

- Consumer Action Group

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Lloyds TSB - Moneyclaim issued 17/06/06 - £420

HSBC - LBA Sent 06/07/2006 - £700

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