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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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Hope you can help.

I'm just in the process of claiming back my Bank Charges from Lloyds and I've got one main query (apologies if it's been asked before but there are just so many threads).

 

Is it feasible for me to get Lloyds TSB not only to refund the charges (circa £2,300) but also to ammend (not correct) my payment profile to show a clean payment history?

 

In a way I feel I'm being cheeky, after all I incurred the charges for a reason, but then I here about Banks making 6 Billion pound profit per year and it makes me angry.

 

I seem to recall an argument about removing and ammending default charges being mentioned before, so theoretically could I argue the same point about missed payments ude to exorbitant charges? And if so how?

 

Any hints, tips, or feedback welcome.

 

Thanking you in advance.

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Do you mean the removal of a default notice?

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WON 121o121 'vs' LloydsTSB

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WON 121o121 'vs' LloydsTSB (again)

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No.

 

Each payment you make (normally on a monthly basis) for a piece of credit (credit card, loan such forth) is represented by a number when you are credit scored;

0 = On time

1 = 1 Month behind

2 = 2 Months behind

3 = 3 Months behind etc...

 

Would it be feasible to argue that because of the charges levied against me by the Bank I was unable to meet the monthly payment requirements thus making the payments later as the charges got higher?

 

Hence that they should ammend my credit profile to show a clean payment history as oppose to

a NOC (notice of correction which as suggested is a note on your credit profile.

 

Thoughts?

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Ah, you mean like if you get your free Experian Credit File?

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________________

 

WON 121o121 'vs' LloydsTSB

here

WON 121o121 'vs' Halifax C C

here

WON 121o121 'vs' Cahoot CC

here

WON 121o121 'vs' LloydsTSB (again)

here

 

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I don't think you could successfully argue (for example) that because LloydsTSB charged you for missing a direct debit, Capital One should ammend their records because a payment was late.

 

Thats my opinion, anyone else?

for FAQs & Step By Step

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for Templates Library

click here

for Court Bundle

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________________

 

WON 121o121 'vs' LloydsTSB

here

WON 121o121 'vs' Halifax C C

here

WON 121o121 'vs' Cahoot CC

here

WON 121o121 'vs' LloydsTSB (again)

here

 

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Yes I agree. It would be silly to expect that to happen

 

Maybe I should have been a little clearer.

 

I have a Lloyds bank account, with a lloyds overdraft and a lloyds loan which withdraws the monthly payment direct from the lloyds bank account. For whatever reason I was unable to meet the payments, which resulted in me going further into my overdraft (as Lloyds just kept taking the money), receiving further charges (for exceeding o/draft limit, and furtheron non payment of loan), meaning it took more and more funds to get back on an even keel before the next payment was due.

 

Ultimately I was unable to and the charges just increased and increased.

 

In this situation to you think there would be a fair argument? Is this something that other people are doing?

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In my opinion no.

 

I was in the same situation a few years ago, and all I done was cancelled the direct debit for the LloydsTSB loan. I thought well I didn't have the money to meet the payment so why let the direct debit return and get charged aswell.

 

Under the direct debit gaurantee you have the right to cancel it at anytime.

 

Sorry, not having a go, but thats what I think.

for FAQs & Step By Step

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for Templates Library

click here

for Court Bundle

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________________

 

WON 121o121 'vs' LloydsTSB

here

WON 121o121 'vs' Halifax C C

here

WON 121o121 'vs' Cahoot CC

here

WON 121o121 'vs' LloydsTSB (again)

here

 

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