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    • Hi If you have went via a Mutual Exchange and this is to do with Social Housing/Housing Association then both parties need to firstly be approved by each parties Housing Association and accepted by them. Once this is done the relevant Housing Association for each will then get each party to sign a New Tenancy Agreement with the relevant Housing Association. So what we really need to know is: Does the other party to this Mutual Exchange know you have changed your mind on exchanging properties? Have they just signed an Agreement in principle to exchange properties? or Have they actually signed a New Tenancy Agreement for that Property? If they have signed a New Tenancy Agreement then this will make not now wanting to continue the mutual exchange difficult due to the New Tenancy Agreement being Signed. We really need to know what stage this is at to give correct advice
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    • going nowhere then. well if you've not been simply doing it to look the big cheese to your mates, you need to address why you are doing it. if its to impress your mates then simply stop being an idiot eh? , learn from it and go live your life . dx
    • Yes only with dwf. The first letter I received was explaining that I have not responded to the first letter they sent which I did not receive at all  then the second letter came, they said again saying we have not heard from you we are extending this another 14 days but at that point a couple of days before I called them on the phone saying I have received this and supposedly i owe money for stolen goods and that I need to see the breakdown which they then emailed to me dwf said this was what we were trying to send to you at first and I told them we have not received your first letter only one asking for demand of payment. On my second call to them I asked can you list the things that I have supposedly stole to which they replied “we normally have this on file but I can’t seem to find this on your file”   
    • oh well, at least your eign of terror is over now. so no contact directly since from/to sainsbury's. everything since has only been with DWF?
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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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a little advice please


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hi all, my first post :)

 

first of all what a great site, some great advice been given...

 

im looking for some advice too, a brief insight into our financial crisis...

 

approx 5years ago, we ran into some financial difficulties (as you do) we battled on for a couple of years paying charges for being overdrawn and for letters, returned direct debits etc...in the end we couldn't manage anymore, we changed bank accounts, agreed reduced c/card payments and took out a loan to pay back some of the debt, to get on an even keel

 

basicaly the bank charges, made our lives hell, it nearly cost us our home and marriage.

 

we are still paying the cards and overdraft today, my question is would we still be able to persue a claim for the charges even though the accounts are in arrears? after all, it was their charges that got us in this mess to begin with.

 

we dont even want the charges back in our hand, we would rather the charges be wiped off what we owe.

 

thanks for reading, any advice greatly recieved

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yes, yes and yes!!

 

Have a good read through the FAQ's and the template library,and everything you can really! This will help make it clear what the process involves, the timeframes inolved etc.

You probably wouldn't have got, or still be, in a mess if it wasn't for the money they have taken from you in unlawful charges + interest, so definitely, you can go for it.

Good luck, keep us posted, and come back if there's anything you're not clear about.

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no matter if your account is in arrears or not, you have the right to claim back those charges up to 6 years because if they are classed as penalties, then they are unlawful. post a thread on the banks section and you'll get some great help, plus like winnie1 says, have a peep on the chat room, theres always some of us on there, and this whole site is brimming over with bank battling knowledge.

Please note that although my advice is offered, you should consult your legal representative before taking ANY action.

 

 

have a nice day !!

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thanks for the replies :)

 

signed up last week and have been browsing around for a few days now, the task seems daunting but if theres a chance (which now seems a good chance) we can claim back whats rightfully ours, we'll give it a go, the hassle/stress we have been through has been a nightmare.

 

just written out the letter from the template page, to get our 6year statement for the current account. get the ball rolling then its the c/cards:eek:

 

i'll start a new thread, showing progress and hopefully if someone is in a similar situation and acts on it, it can be a help.

 

ive always said, what goes around comes around...heres hoping!

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