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    • Commercial Landlords are legally allowed to sue for early cancellation of the lease. You can only surrender your lease if your landlord agrees to your doing so. They are under no obligation even to consider your request and are entitled to refuse. You cannot use this as an excuse not to pay your rent. Your landlord is most likely to agree to your surrendering the lease if they want the property back in order to redevelop it, or if they wants to rent it to what they regards as a better tenant or at a higher rent. There are two types of surrender: Express surrender in writing. This is a written document which sets out the terms of the surrender. Implied surrender by conduct. (applies to your position) You can move out of the property you leased, simply hand your keys back and the lease will come to an end, but only if the landlord agrees to accept your surrender. Many tenants have thought they can simply post the keys through the landlord's letter box and the lease is ended. This is not true and without a document from the landlord, not only do you not know if the landlord has accepted the surrender, you also do not know on what basis they have accepted and could find they sue you for rent arrears, service charge arrears, damage to the property and compensation for your attempt to leave the property without the landlord's agreement. Unless you are absolutely certain that the landlord is agreeable to your departure, you should not attempt to imply a surrender by relying on your and the landlord's conduct.  
    • I had to deal with these last year worst DCA I have ever dealt with. Just wait for the constant threats of CCJ and how you'll lose in court and how they won't do mediation and they want the judge to question you with a load of "BIG" words to boot with the letter. My case was struck out in the end, stupidity on their part as I admitted to owing the debt in the end going through the court process was just a formality as they wouldn't let it drop despite me admitting the debt regardless. They didn't send the last part of the court paper work in so it ended up being struck out     .
    • Well, that's it then. Clear proof of the rubbish cameras. Clear proof of double dipping. G24 won't be getting a penny. Belt & braces, I would write to the address LFI has found, include the evidence of double dipping, and ask Fraser Group to call their dogs off.
    • LOL. after sending Perch capital a CCA request with a stapled £1 PO attached (x2) Their lapdog Legal team TM Legal have sent me two letters today saying "due to a recent payment on the account, your account is open to legal/enforcement action" so i guess they have tried to apply that payment to the account to run the statue bar along. dirty tactics lol.
    • I have initiated the breathing space so ill wait. from re reading everything this what i understand BS gives me 60 days break from the creditors during these 60 days they may contact me and will most likely default I need to wait until after a default notice to see whether the OC will keep the debt or sell it off If kept by the OC then i should attempt a plan or pay some token payment? If sold to DCA then don't pay and after 6 years it will leave my credit report once the DN is registered with a date. DCA may start a CCJ but unlikely, if they do come back here. last question, do you know roughly how long this will all take? in terms of defaults/default notice, potential CCJ? Would you say I have 12 months plus from when the BS ends?
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Here's hoping


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Hello everyone, i'm a bit new to this but i thought i'd let you know whats happening with me.

 

When i started looking into this bank reclaiming thing i was really only going to concentrate on an old account i had with Lloyds but then i realised i'd been charged £175 by Barclays.

 

I sent my first letter off and they responded yesterday with a blah blah letter about dealing with your complaint etc.

 

I have responded with a letter to say that i am taking them to court etc and they have another 14 days, so countdown is on to see if they pay up.

 

I'll let you all know..

:p

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  • 2 weeks later...

everyone does,

just think of this as a procedure, nothing else. follow it and you will be okay.

As things stand now you should be looking at your money in July/Aug.

Seems a long way off but it goes quite quickly.

in the mean time browse around the threads having a nosey and ask questions on the way.

by the time YOUR settlement comes through YOU will be advising newbies.

 

And visit the chatroom for talks about absolutely anything.

and I mean anything, lol

.

http://www.findmadeleine.com/

http://news.sky.com/skynews/madeleine

 

If I dont reply to a direct question please feel free to PM me.

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Ok, so now i need some advice.

 

I checked my Barclays bank account today and surprise, surprise they have put £175 in my account as a goodwill gesture.

 

So now what do i do..? :confused:

 

£175 is the amount that they owe me without interest and obviously without the £30 Moneyclaim.com court costs.

 

HELP!!!!

 

Do i carry on with my claim in the hope that i get the whole £198 back plus costs or accept this offer... I'm guessing i ignore the goodwill gesture, but i would like some advice from you more knowing people out there :p

 

Thanks everso

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Ok , well i've been reading loads of other threads and although they all say to keep going right until the end, i can't help but think that they have paid me back the exact amount they own me.

 

So they haven't paid me the interest and obviously i'm out of pocket £30 for the court costs but other than that this is money that i didn't even know i was owed... And £145 would come in really handy - Newmarket Races on Saturday ;)

 

I haven't actually received any correspondance from Barclays re this money that is in my account yet, though i suspect i will.

 

How do i go about cancelling my claim with Moneyclaim.com..????

 

Suffgirl

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Hi, well done for winning your money back.

 

This is why I gave them a few days grace before sending my MCOL and my money dropped in to my account last Friday.

 

Again you were claiming less than £500, which, I had heard on the grapevine, they were settling without argument.

 

Sorry I can't help with MCOL as I haven't needed to go that far.

 

:D Enjoy that money!

2007 Issues ALL RESOLVED

2008 Issues ALL RESOLVED

£4,200 in charges claimed back succesfully from a total of 5 Creditors

2009 Issues ALL RESOLVED

NEXT Directory - No Agreement, No Further Action **WON**

2010 Issues

Court Claim from Black Horse - AOS 22.11.10, CPR 23.11.10

Assisting Daughter with Employment Tribunal for Wrongful Dismissal/Discrimination

 

:) My Head is officially out of the Sand :)

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Well done on getting your money back but as far as getting the additional £30 for MCOL I would give them a ring, you gave them plenty of warning that you would persue legal action, the fact that they missed YOUR deadline, is their problem, not yours, so I would say look you owe me £30 for filling on MCOL, as you did not credit my account in time, if I don't recieve this money then I will continue through the courts until I do!!!:)

Enjoy the races;)

Tori:)

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Hi,

Do as Torigirl suggests.

but also get them to confirm that it is a settlement deposit.

If you stop proceedings they could easily withdraw the amount claiming clerical error nothing to do with your claim.

Get it in writing.

MCOL can be cancelled by phoning them and telling them you no longer want to pursue the claim. job done.

 

If you want to be a little more efficient, but not necessary use this:

http://www.hmcourts-service.gov.uk/HMCSCourtFinder/GetForms.do

 

N279 Notice of Discontinuance.

 

Be sure before you act.

.

http://www.findmadeleine.com/

http://news.sky.com/skynews/madeleine

 

If I dont reply to a direct question please feel free to PM me.

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Hey, thanks to all of you above for your info.

 

I telephoned MCOL and they just stopped the claim, it was done instantly and v easily.

 

I feel really good that i got this money back - even without the £30 costs and anyway what's £30 at the end of the day - not many white wine spritzers at the races that's for sure! :p

 

I received a letter in the post from Barclays today which confirms that this is a full and final settlement and that the £175 is goodwill gesture etc.

 

But the above comment by CAGisforME has got me thinking, when i request my money back from Lloyds should i ask for £500 in the hope that they will pay out without a fight or go for the full £620..? :o

 

Suffgirl x

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hi suffokgirl,£120 is a lot of money,why let them get away without paying it to you.But at the end of the day its up to you.;)

Taff-p. v BARCLAYS

S,A,R. SENT 23RD FEBRUARY

 

Taff-p. v LLOYDS TSB

S,A,R SENT 23RD FEBRUARY

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Hi SG

 

Glad you got everything sorted.

 

I want to be clear that I was referring to Barclays when I said "you were claiming less than £500, which, I had heard on the grapevine, they were settling without argument."

 

This was a rumour I had heard from various sources, including those from my (soon to be) ex-colleagues at BARCLAYS Bank.

 

I don't want you to think I meant all banks as I couldn't possibly comment on any other Banking establishment.

 

Just wanted to clarify.

 

(Oh, and if it were me, I'd be going for ALL my money back! ;) )

2007 Issues ALL RESOLVED

2008 Issues ALL RESOLVED

£4,200 in charges claimed back succesfully from a total of 5 Creditors

2009 Issues ALL RESOLVED

NEXT Directory - No Agreement, No Further Action **WON**

2010 Issues

Court Claim from Black Horse - AOS 22.11.10, CPR 23.11.10

Assisting Daughter with Employment Tribunal for Wrongful Dismissal/Discrimination

 

:) My Head is officially out of the Sand :)

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