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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.  
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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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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1st Credit help!


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Finlay07 - that's a standard letter they send to everyone.

 

What happens next is that they ignore it and move on to the next stage of nastygram.

 

If you want to tie them up in knots; use the letter from here to order them to stop phoning you, and send e-mails to them telling them that you refuse to phone their number and that they should write. If my experience is anything to go by you'll keep on getting identical letters telling you to phone.

Gingerheid and 1st Credit. The legend continues. One of the funniest threads on here

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  • 4 weeks later...
  • 2 weeks later...
Still very quiet on the 1st Credit front. The 12 + 30 days are up (yesterday) and I was wondering what, if anything, I do now.

 

Do I

 

a) Write to them reminding them of their obligations

NO They are well aware of the law. They cannot produce the agreement so therefore cannot enforce it.

b) Inform Trading Standards and if so which one. My local one or 1st credits? Personally I would complain to both

 

c) Do nothing for the time being. Exactly. Have no doubt that your friends in 1st Credit will be along with a bunch of new threats soon enough.

 

Any thoughts appreciated.

 

 

I have given you my thoughts

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It seems typical of the desperation of DCAs when they know they have little or no hope of producing the CCA then the get their in house solicitors to threaten you even though they are in default and NO further action should be undertaken. Treat them with the contempt they deserve

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  • 2 weeks later...

They have committed a criminal offence and cannot proceed without a court order. There is a template I will dig out for you but dont worry they havent a leg to stand on. For field agent read doorstepper who has no legal rights

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Ask them for details of the Official Complaints procedure. This is very important so if you have to complain to FSO you have done it by the book. Send a letter to Scotcall advising them that they are not welcome to call at your door. They have NO power whatsoever

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Reply from Scotcall today;

 

Dear XXXXXXX

 

Thank you for your recent communication regarding the above acount.

 

Due to the content of this letter Scotcall will now return this account to our client.You will hear no more from Scotcall regarding this matter. This account will be returned as disputed. you will now hear direct from our client regarding this outstanding amount.

 

If you contact your creditor direct for any further details required on this account (i've been trying for a year!!!!).

 

If you have any further queries or problems please contact your creditor directly.

 

Yours faithfully

 

 

XXXXXXXX

 

 

So thats Connaught and Scotcall batted away.

 

I suppose the next letter will be an offer of a 50% reduction

As usual the bullies backed down when faced with the truth

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1st Credit are now being ridiculous and i'm not sure how to approach this.

 

Letter today from their complaints department saying that this debt is for a current account!

 

I'm sorry but this is is getting out of hand. I have never had an overdraft of that size (£6900-00). I've had an account with the bank concerned (HSBC) but never in a million years would I have been given that size of OD. in fact my average earning during the peiod I had the account 1995-2000 were about £180-00 a week!

 

What on earth do I do now?

 

I find it strange that 1st Credit now say its a current account just as they are in default of the CCA and have refused for an entire year to say what the debt is for.

 

Any advice people?

Tell them you are totally unaware as to what they are refferring to. You do not acknowledge any debt to them or the original lender and request further details if they claim its not covered by your CCA request. Spend £10 and SAR the original lender

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Cheers once gain ODC. Letter off in tomorrows post.

 

The annoying thing is that if I owed it, I would pay it ,as I have done with another debt.

 

This is not mine!

Simple answer. Its not yours. Its not up to you to prove it isnt. Its up to them to prove it is. Of course if you suspect fraud you really should report it to police. If however as is probably more likely that the DCAs have a case of mistaken identity just ignore them. Why should you do their work for them. They will never take it to court they are talking total crap

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  • 5 weeks later...

I think its got to the stage where you should involve the FOS and Trading Standards. This really has gone beyond a joke. Do not even bother to reply to Robinson Way. They have no right whatsoever to deal with this alleged debt. The matter is in dispute and has been for some time. They are in breach of so many OFT guidelines its ridiculous. Get the ball rolling with FOS and Trading standards as soon as possible. If Robinson way get in touch tell them the matter is with Trading Standards and FOS. Suggest they contact them should they wish to have any further discussion. Also mention the Administration of Justice Act to them as well. (Where is Rory when you need him:) )

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  • 3 weeks later...

Send them a copy of the letter from First Credit along with a request for their complaints procedure. McKenzie Hall are just another member of the same shower. Dont take any sh1t from them. First Credit couldnt prove anything at all so HTF do McKenzie Hall expect to. This is just another computer generated threat letter attempying to wind you up. Treat it and Mackenzie Hall with the contempt they deserve. Read the forum and you will see numerous posts anot MH and the type of company they are. Bengal Lancers is the most polite thing I could say about them but I think you really know what I think

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Just thought I would mention that I will be making a donation to this site as big THANK YOU for all the help and inspiration.

 

If it hadn't been for you lot I would have given in to the lies and pressure. The knowledge and expertise evident throughout the various threads is fantastic.

 

I must also thank ODC for the unending support.

 

I have won the war it seems, just a few little skirmishes to sort out.

 

Good luck to the rest of you.

 

F

 

You are very welcome. Everyone (well except the MIB and their apologists) is very helpful. We have all suffered at the hands of these legalised bullies and they really do not like us knowing our rights. The Consumer Credit Act is designed to make sure the Shylocks behave within the law. Sadly for them the message seems to be taking a long time to set in but by the time they LOSE a few more cases and the FOS takes loads of £400 donations off them they may get the picture. Sadly there are still poor folk out there who believe every thing a DCA tells them and get worried about them. Tell all your friends about this great site and lets ease the Debt worries of people who get no sympathy from the DCAs and their bully boys and girls when for whatever reason they fall into a financial problem.

 

I for one cannot wait for the day when all the monkeys in the DCA threat centres learn manners and tret people with respect. Someday some of them will have to stand in front of a judge and explain their behaviour because more and more of us are taping their threats and lies. Wonder if their bosses will stand by them then. I think not. So all of you call centre bullies who take such an interest in us REMEMBER THAT.

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  • 3 weeks later...
While i have been waiting for the FOS to do their bit I have received a letter from Mackenzie Hall. (this is after I had beaten 1st Credit)

 

Here it is,slightly abridged, make of it what you will.:-D

 

Dear Mr F..............

 

Thank you for your letter the contents of which I have noted.

 

It is never our intention to cause any stress or hurt to anyone we contact and I apologies(!) that this has happened to you.(WHAT!)

 

Our clients passed this account to us on the 2nd July............blah, blah

 

...............on the 9th July we were instructed to close this account and return to them, which we duly did.

 

.....our letter had already gone out and there was no way we could stop this.

 

....blah,blah.complaints procedure enclosed...........blah blah

 

Yours

 

XXXXXXXXXXXXX

 

Well well well, an apology.....from a DCA!

 

This whole episode has always managed to amaze me, this letter has left me speechless!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

Keep the pressure up on the muppets. Complain to them and DEMAND some compo from them for distress. You could point out that the complaint to FOS will cost them £400. Its worth a try:wink:

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