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    • Hi With the Section 21 Notice I do hope the Landlord issued you with: Energy Performance Certificate (EPC) for the Property How to Rent Guide A current Gas Safety Certificate (if gas in the Property) If above have not been provided to the Tenant by the Landlord then they can't use a Section 21 Notice until the above have been provided (note you don't warn the Landlord of this until but put it in your defence) Have a good read of this link: Evicting tenants in England: Section 21 and Section 8 notices - GOV.UK WWW.GOV.UK Information for landlords in England on tenant eviction: assured shorthold tenancies, including eviction notices, Section 21, Section 8, accelerated possession, possession orders, bailiffs  
    • good idea take some pix and put them in a PDF read UPLOAD dx
    • thread title updated moved to overseas debt forum. sadly as they are outside any UK jurisdiction upon DCA rules which state in the UK they must not call employers, there not alot you can do to stop these scammers. make sure you totally make private ALL social media twitter/facebook/linked in etc etc as there no-way for them to findout where you work otherwise so you must have a leak somewhere. find it. your employer details arent even legally available to UK DCA's so how have they found it out to date???  simply write to the BANK informing them of your correct and current address ALWAYS!!. if you want to arrange payment or not TO THE BANK ONLY thats upto you. never ever ignore a Statutory Demand a Letter Of Claim a Court Claimform. if if if any of those ever happen. till then ignore and rewash. dx    
    • Date of issue –   13 may 2024 AOS date 31st may defence filing date 14th june plenty of lowell card claimform threads here use our enhanced google searchbox Lowell card claimform id be reading at least 5-10 threads a day. do NOT MISS your defence filing whatever happens.  
    • Hello All,  I’m hoping someone can help me urgently here. Firstly, I’d like to say I have read multiple other threads and have some what an idea of what I should be doing, however my case might be slightly different so coming with my own questions here.    my situation is I lived in Dubai and had a credit card and a loan, loan with HSBC and credit card with Emirates (or the other way round), I lost my job and was forced to leave the country as I was staying in the country on my companies visa.    since coming back, after a few years 2 different debt collections agencies have been approaching me (one being IDRW and the other J&P). I’ve never answered IDRWW and they constantly chase me by calling and messaging me and my employer. My current company is ok with this as I explained the situation but I’m soon to be joining a new company who definitely won’t be ok with being messaged and called. I’m afraid to continue to ignore them as they may message and calm the new employer as they have before and I’ll lose my job. However, it seems clear from these forums that dealing with the debt collection agencies is never a good idea. You shouldn’t agree to the amount or pay anything.    j&p caught me on my phone but I still haven't sent them any money or confirmed the amount they’re saying is owed, they keep pushing to pay off the “principal” amount by making monthly payments, from reading these forums it seems like if I make one of those payments (they have provided bank details for ENBD), then it’ll just be paying off interest and not actually clearing the principle debt and the bank won’t even approve receipt of payment or that it’s coming off principle.    this is my predicament as ignoring them might not be an option if they chase my new employer. Maybe there’s a way to ensure the debt collection agency don’t contact my new employer?? I don’t know? Massively appreciate peoples help here. Thanks, 
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Me vs Halifax - Help If Possible??


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Hi there, I started my claim after reading around threads on here, I received my statements and send in my claim with spreadsheet on the 2nd March, the Halifax have received this and confirmed that they shall be in touch within 5 days.

 

I am claiming for £991.00. BUT....STUPIDLY...I did not read the threads properly and understood that I was to claim the 8% interest.

 

I had done it without and had printed off spreadsheet but then re-read a thread advising someone that if they did not add the interest, there was chance they may not be taken seriously etc etc.. anyways I went off and calculated it and sent it off to Halifax... and its only now I realise I should have waited until LBA stage.

 

Can anyone advise what they would do now if they had been so stupid as to send of the wrong spread-sheet.

 

TIA:???: :???:

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You have actually done the right thing in not asking for interest so don't panic. The 8% interest doesn't come in to play until you are at the filing court papers stage.IE DON'T ask for it until your filing court papers!!! If you have on your LBA I dont think its a major problem its just something else they will say no too!

BOS

Claim No.3 for £589.75+8%, Decree received, Sheriffs Officers instructed to serve a charge 21/4!

Claim No.4:- claiming £1507.00, Court Papers submitted 5/4 !

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Sorry, I have no made myself very clear!!

 

I have sent off the spread-sheet WITH the interest added on already!!

 

What an idiot, What would you recommend I do now??

 

Due to send my LBA on Friday.. Thanks very much.

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I also didn't add any interest, I guess that will teach me for not reading it all through properly, although I thought I had as have been visiting this website on and off since last August but only started really reading through threads last week!

 

Anyways its done now, so advice on how to progress from here would very very gratfully received.

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Interest is only added on if you have to proceed to court and file there.

 

When you send the LBA you send the spreadsheet again - so just amend to show the figures only without the interest.

 

If you need any more help just shout

12-03-07 Halifax Received £1800

05-06-07 Halifax II Small Claim Served for £2503

Capital One - Won £768

Halifax Credit Card - Won £756

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Like noodle says, dont worry about it. It has gone, there is nothing you can do about it now. Just send the lba without the interest.

You can change the figures on the sheets up till you file at court.

 

So carry on with your 14 day countdown and get your lba ready. :D

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  • 4 weeks later...

Hi guys, Another update.

 

I received a letter today offering £179.00 less than my claim. ... Argh... I know I really should just go ahead and file with McCol but cannot do so until the week after next week as I am moving house next weekend and my addresses (or possibly my brain) will get all confused (if you know what i mean)...

 

So, shall I call this lovely man on Monday and suggest he offers me at least another £100 or I shall have to go ahead with court claim?

 

I am absolutely delighted at their offer as I can now pay for my lovely oak flooring (YeeHaa!) sorry slightly off subject there......:o ;)

 

Anyway......Has anyone had any success in them upping their offers via telephone recently?? Or shall I send them the part payment letter...hmmm decisions decsions......

 

Thanks very much for any help!!!

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Thanks very much.

 

I shall call them on Tuesday after the holiday. The letter states I have to call them within 14 days if unhappy with amount, so I shall. Thanks again.

 

Is it just me or does anyone else wish they had more money to claim!!!!;)

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okay, I decided to use one of the contact email address provided on here and have emailed them my letter of rejection and also an updated spreadsheet showing them their costs should they decide to proceed to court and not just pay me what they owe me.

 

I shall also send a letter out recorded delivery tomorrow, but was a bit restless!!!

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Yipee!!!

 

WON!!

 

Called lovely gent on this number 0845 124 1003 I explained I wouold like him to up their off a little but more and after some haggling (deal or no deal) has agreed to make payment for full charges (less £9) within 14 days!!!

 

That was quite painless tbh, I was a bit nervous calling but YEEHAA!!!!

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