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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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Funboy V Capitol One


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Hi all

 

After my recent success against yorkshire bank i have decided to pursue capitol one for 6 years worth of charges....my preliminary letter will be in the post on monday , I'm claiming back £693

 

 

 

wish me luck :rolleyes:

and when he gets to heaven

to saint peter he will tell

one more soldier reporting sir

i've served my time in hell

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  • 3 weeks later...

hi all

 

I recieved a letter from the ever busy mr udy . he states that as a matter of goodwill they have reduced the fees they have added to my account to £12 each ..the total refund is £222 ...without seeking my agreement they have used the money to bring my credit card balance to zero and are sending me a cheque for the remainder which is £28.73....any advice on how to procedd would be very welcome as i'm unsure if i can now pursue the claim

 

thanks in advance

and when he gets to heaven

to saint peter he will tell

one more soldier reporting sir

i've served my time in hell

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Hi Funboy, Mr. Udy offered me £364 of charges, they owe me £994 so he got a rejection letter today.

BOS Prelim : 19/06/06 Owed : £382: offered £90.LBA sent 02/07/06, Delivered: 04/07/06. Offer increased to full £382 but with condition. Settled 4/11/06.

Data Protection Act sent to BOS CC : 19/06/06. Acknowledged : 03/07/06 Statements Received : 11/07/06 owed £845

Statements received for closed BOS account: 27/07/06, Owed £2596.52

First claim on closed BOS account now started - £735 Prelim received 7/11/06 LBA sent 5/12/06, Offered Full £735 but with conditions. Claim filed 22/01/07

CapitalOne-£1247, settled in full.

LloydsTSB- £910, sttled in full.

 

LET BATTLE COMMENCE

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did he pay off your credit card with the money he offered ?

and when he gets to heaven

to saint peter he will tell

one more soldier reporting sir

i've served my time in hell

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I have already sues Capital One and won, they always followthe same route, they will make a small payment into your account, YOU MUST accept as a partial payment only. Send your letter before action taking off the the money received, then when the time is up, you must stick to your time timetable and isse a MCOL or a N1 claim against them. They will acknowledge and then they will file a defence at the last possible moment, and then promptly settle within the next couple of days. That has been my experience alond with many others. Do not be put off by their letters or even their defence, there is substance to them.

Good luck

DS

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thanks silverstein thats a great help....ok one letter of rejection coming right up :p

 

it will be in the post monday morning

and when he gets to heaven

to saint peter he will tell

one more soldier reporting sir

i've served my time in hell

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  • 3 weeks later...

well my LBA has gone unacknowledged so now i'm going to move onto issuing a MCOL but i'm unsure of the wording when issuing one to a credit card company

 

any advice is most welcome

and when he gets to heaven

to saint peter he will tell

one more soldier reporting sir

i've served my time in hell

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Funboy

 

I filed an N1 as I felt happier going in to my local court and talking to a real person about the paperwork and paying my court fee in cash over the counter. They also gave me a number to ring if I had any questions which was comforting.

 

There are a couple of good threads here that give details on what to include in your POC (Brad vs Cap One, I think?) I'll have another look for you ...

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Thanks for all the advice .

MCOL has just been issued...its probably going to be viewed as rank cheek that i paid the fee on my capitol one card :lol:

and when he gets to heaven

to saint peter he will tell

one more soldier reporting sir

i've served my time in hell

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  • 3 weeks later...

well i recently issued my MCOL ..now capitol one have until may 19th to respond..knowing my luck they will try to defend

and when he gets to heaven

to saint peter he will tell

one more soldier reporting sir

i've served my time in hell

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Cap One will put in a defence and promptly pay out, well that is what they did for me and many others on this site. Unless they have changed their stance since January this year. I would imagine that you will be paid in the next week or so. Check your balance on your card on a regular basis as they will probably slip it in there and the letter will then follow. In my case the letter came a few days after the money was placed in my account.

Keep us advised!

DS

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well fingers crossed on that score that the mysterious mr udy smiles on me :grin:

and when he gets to heaven

to saint peter he will tell

one more soldier reporting sir

i've served my time in hell

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Unless they have changed their stance since January this year. ...

DS

 

 

Well they hadn't changed up until the beginning of April this year - this is exactly what happened to me.

 

GG

Capital One: S.A.R - (Subject Access Request) 14 Nov 06, Prelim 8 Dec 06, LBA 10 Jan 07, MCOL 1 Mar 07. Settled in full 2 Apr 07. :)

HSBC: Prelim 27 Feb 07, LBA 10 Apr 2007, Received offer 25 Apr 07. Rejected 2nd May 07. Received new offer 22 May 2007. Accepted 22 May 2007. Settled.

Barclaycard: SAR 2nd May 2007.

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recieved notification that capitol one have filed a defence.....looks like this is going to go right to the deadline before i get a settlement :(

and when he gets to heaven

to saint peter he will tell

one more soldier reporting sir

i've served my time in hell

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Hi

Once they file their defence on the last day! by the deadline you should also receive payment. This is how it was for me at the beginning of this year. When you say they will take it to the line, this is what Barclays, Abbey etc do down to trial date. My thoughts are that they will pay fairly quickly and you are now on the home run.Just keep on checking you Capital One balance on that deadline, so if it is 14 days for them to file that defence you should be paid out arround that time.

Good Luck

DS.

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  • 2 weeks later...

well capitol one have filed a defense so it looks like i should get paid out soon with any luck , dont like to count my chickens though

and when he gets to heaven

to saint peter he will tell

one more soldier reporting sir

i've served my time in hell

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Fun boy , I am one day ahead of you, papers served on the 8th May and defence lodged on the 11th. Nice bank holiday weekend coming up , heres hoping:) .On reading threads it seems to be a 21 day turnaround from serving to full offer.

Also when cap one agree to pay out , could anyone let me know how long it has taken them to get the funds back on their card? Thanks. (I am just over my limit but am refusing to pay until this is settled)

 

Oh and DOO any sign of your cheque yet? Well done.

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