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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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overflow v Halifax


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HI Sanand

Ive been going over all the spreadies and letters to see if ive done something wrong. Must be some reason Im sure of it.

 

If I have done somthin then its bound to be the spreadies ,Took me agesto get my head round., but the one I used I fially managed to do it as Its really easy. Just put details in and it does it all for you.(Thank You Mindzia).

Perhaps tmorrow eh

Anyway enough of my woes.

Cant wait till your thread reads WINNER wont that be just great.

 

All the waiting will fade away and youll have all that lovely money .

SSSSSSSSSSSOOOOOOOOOOOOOO pleased for you.:D

30-12-2006--Requested statements from Local Halifax.

02-02-2007--Statements Recieved.

18-04-2007--Prelim sent.

20-04-2007--Reply , Thanks , give us 8wks letter.

02-0502007--Sent L.B.A. & Schedule of Charges

11-05-2007--Recieved reply ,still investigating.

17-05-2007--Sent Amended L.B.A. for Contractual Interest this time.

14-06-2007--Received standard Bog Off letter.

13-06-2007--Took N1 to Local Courts.

26-06-2007--Copy of N1 from Court, issued 21-06-2007. to Halifax, Deemed Served 25-06-2007

Have till 09-07-2007 to file Defence.

05-07-2007--Note that Acknowledgment of Service been Filed on 29-06-2007.

Have 28 days from date of Service to File Defence.

07-07-2007--Offer from Halifax.

09-07-2007--Rejection letter sent to Halifax. Next day delivery.

10-07-2007--Money put in Account:mad:

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Got to go agai now for a bit, be back later .

Hope to catch you then:)

30-12-2006--Requested statements from Local Halifax.

02-02-2007--Statements Recieved.

18-04-2007--Prelim sent.

20-04-2007--Reply , Thanks , give us 8wks letter.

02-0502007--Sent L.B.A. & Schedule of Charges

11-05-2007--Recieved reply ,still investigating.

17-05-2007--Sent Amended L.B.A. for Contractual Interest this time.

14-06-2007--Received standard Bog Off letter.

13-06-2007--Took N1 to Local Courts.

26-06-2007--Copy of N1 from Court, issued 21-06-2007. to Halifax, Deemed Served 25-06-2007

Have till 09-07-2007 to file Defence.

05-07-2007--Note that Acknowledgment of Service been Filed on 29-06-2007.

Have 28 days from date of Service to File Defence.

07-07-2007--Offer from Halifax.

09-07-2007--Rejection letter sent to Halifax. Next day delivery.

10-07-2007--Money put in Account:mad:

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I used Mindazi too, other ones way too hard for me (no good on computers!!)

I just think that they are making you sweat, I really do. As for my claim, ill believe it when I see it in the bank, there has been so many lies, I wouldnt believe them if they told me it was gonna rain tomorrow and I know full well that it will, chin up, chest out overflow, we are nearly there xx

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So interesting this thread I am now hooked. I have phoned this Optima number today and got a woman saying there is no way they will pay 6 years before NI issue date even back to S.A.R - (Subject Access Request) date it makes a difference of £670 and back to the first charge (DEC2000) it is £1200.15 The first letter received was on 6th July in response to LBA sent 9th June. Then letter with of no words saying full & final. How can they drag things out and then decide when the 6 years starts from. Sorry I seem to have Hi jacked your thread :confused: So hypnotised by it all

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Awww overflow i was so hoping that you would have good news too to cheer us all up:( never mind soon be a new day who knows what it will bring eh??? shhhhhhh i have to keep telling myself that lol xxx:D

Miz_Print v Halifax Won :-D 24th july 2007:D

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HI Guys

 

well money still in account despite Mr B telling me that he would remind them yesterday. they have had 10 days to take it out.

 

Also just been looking over my spreadies again and to my HORROR Ive just noticed that on one Ive sent to the Court that Ive missed the Account Number out and the sort code And the From date. Does anyone think this is why they are prepared to go to Court, are they going to say the claim is VOID cause Ive omitted to put these things in .

 

REALLY WORRIED HELP PLEASE:eek:

30-12-2006--Requested statements from Local Halifax.

02-02-2007--Statements Recieved.

18-04-2007--Prelim sent.

20-04-2007--Reply , Thanks , give us 8wks letter.

02-0502007--Sent L.B.A. & Schedule of Charges

11-05-2007--Recieved reply ,still investigating.

17-05-2007--Sent Amended L.B.A. for Contractual Interest this time.

14-06-2007--Received standard Bog Off letter.

13-06-2007--Took N1 to Local Courts.

26-06-2007--Copy of N1 from Court, issued 21-06-2007. to Halifax, Deemed Served 25-06-2007

Have till 09-07-2007 to file Defence.

05-07-2007--Note that Acknowledgment of Service been Filed on 29-06-2007.

Have 28 days from date of Service to File Defence.

07-07-2007--Offer from Halifax.

09-07-2007--Rejection letter sent to Halifax. Next day delivery.

10-07-2007--Money put in Account:mad:

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:o OMG! Surely they can`t do that to you, Overflow not after all you have been through. :) You could always try sneaking money they have put in your account out. (just to be safe) not that I am encouraging you to be dishonest or anything like that. I suppose that they could always sue you for it in the small claims court, and you could throw the same c**p back at them that they have been throwing at us.

Seriously though I hope that they do not, I`m keeping everything crossed for you.

GOOD LUCK & KEEP SMILING !!!

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Halifax Won £1180.00

NatWest Won £876.00

Halifax 2 N1 submitted 20/07/07 stayed 24/08/07 N244 Application filed 31/08/07 hearing set for 12/11/07 rescheduled for 29/01/2008. Application dismissed stay still in place.

Charity Group £200 compo for lost passport.

HM revenue & Customs; demand for WTC overpayment £632.12. Disputed, their error. Did not have to repay.

All opinions expressed are my own and have no legal standing and no connection to CAG

 

All errors/typos etc are not my fault the blame lies with the spelling gremlins

 

<<<<<< If any of this has been helpful, PLEASE click my scales

 

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ets hope your right . Miz doesnt seem to theink it should harm the claim either.

 

Everythin hurts 'cos been crossed for so long;)

  • Haha 1

30-12-2006--Requested statements from Local Halifax.

02-02-2007--Statements Recieved.

18-04-2007--Prelim sent.

20-04-2007--Reply , Thanks , give us 8wks letter.

02-0502007--Sent L.B.A. & Schedule of Charges

11-05-2007--Recieved reply ,still investigating.

17-05-2007--Sent Amended L.B.A. for Contractual Interest this time.

14-06-2007--Received standard Bog Off letter.

13-06-2007--Took N1 to Local Courts.

26-06-2007--Copy of N1 from Court, issued 21-06-2007. to Halifax, Deemed Served 25-06-2007

Have till 09-07-2007 to file Defence.

05-07-2007--Note that Acknowledgment of Service been Filed on 29-06-2007.

Have 28 days from date of Service to File Defence.

07-07-2007--Offer from Halifax.

09-07-2007--Rejection letter sent to Halifax. Next day delivery.

10-07-2007--Money put in Account:mad:

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Hi Overflow,

How are you? I really cant see what difference those small mistakes are gonna make and I still think they are trying their best to make you cave in. Monday not far away now and you will know for sure but I really cant see them putting a defence in, fingers crossed xx

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p.s. Remember on Tuesday, I was told that my claim WAS goning to court and that they DID NOT pay out for 6 years anymore, then by Thursday they were paying me in full!! Mind games Overflow, thats all it is x

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Hi overflow, sorry not been online to give you & sanand support, my step-son's managed to get an old "throw-away" comp, from work, so I've been busy clearing a load of Sh*te from it. Just gotta get online in morning, & then hopefully, after a few tweaks, it'll be finished.

Anyway, back to the matter in hand. I've had a read of your thread, & I totally agree with what sanand says. I got a letter from court, telling me that haliprats was going to defend, & 2 days later my money was sitting in the account. So, please don't worry about it, 'cos it's just another tactic of theirs, in the hope that you'll change your mind, & drop the court case. Stick to your guns overflow, besides I don't want to be going through all this pain for now't, tha knows!!!!!23_32_7.gif

 

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If you approve of my Post, please tip my scales.

13/07/07 **WON** Halifax

Any advice or opinion I give, is what I have learnt from CAG, If in doubt, please consult a professional.

 

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Hi Ja-De

 

Wondered where youd got to.

 

You seem to know an awfull lot about comps. wish I did , Im really thick about them I keep patting myself on the back cause Ive actually managed to get my typing speed up.

Just about tknow the basics. lol

 

thanks for the ongoing support.

regards

 

:)

30-12-2006--Requested statements from Local Halifax.

02-02-2007--Statements Recieved.

18-04-2007--Prelim sent.

20-04-2007--Reply , Thanks , give us 8wks letter.

02-0502007--Sent L.B.A. & Schedule of Charges

11-05-2007--Recieved reply ,still investigating.

17-05-2007--Sent Amended L.B.A. for Contractual Interest this time.

14-06-2007--Received standard Bog Off letter.

13-06-2007--Took N1 to Local Courts.

26-06-2007--Copy of N1 from Court, issued 21-06-2007. to Halifax, Deemed Served 25-06-2007

Have till 09-07-2007 to file Defence.

05-07-2007--Note that Acknowledgment of Service been Filed on 29-06-2007.

Have 28 days from date of Service to File Defence.

07-07-2007--Offer from Halifax.

09-07-2007--Rejection letter sent to Halifax. Next day delivery.

10-07-2007--Money put in Account:mad:

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Hi overflow, I know a bit, but I'm far from perfect, I s'pose I'll be able to get by enough to get myself an office job, as soon as I'm able. lol

You're very welcome, I always try to help people, or give them as much support as I can.

I'll try to catch you tomorrow.

ja-de xxxx

--------------------------------

If you approve of my Post, please tip my scales.

13/07/07 **WON** Halifax

Any advice or opinion I give, is what I have learnt from CAG, If in doubt, please consult a professional.

 

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Hi Ja-De

 

Just hope that You dont stop coming on here and giving us all your help

 

and of course your SMILIES.

 

They cheer me up no end , sssssssssssooooooooooo funny

 

Regards :)

30-12-2006--Requested statements from Local Halifax.

02-02-2007--Statements Recieved.

18-04-2007--Prelim sent.

20-04-2007--Reply , Thanks , give us 8wks letter.

02-0502007--Sent L.B.A. & Schedule of Charges

11-05-2007--Recieved reply ,still investigating.

17-05-2007--Sent Amended L.B.A. for Contractual Interest this time.

14-06-2007--Received standard Bog Off letter.

13-06-2007--Took N1 to Local Courts.

26-06-2007--Copy of N1 from Court, issued 21-06-2007. to Halifax, Deemed Served 25-06-2007

Have till 09-07-2007 to file Defence.

05-07-2007--Note that Acknowledgment of Service been Filed on 29-06-2007.

Have 28 days from date of Service to File Defence.

07-07-2007--Offer from Halifax.

09-07-2007--Rejection letter sent to Halifax. Next day delivery.

10-07-2007--Money put in Account:mad:

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Your very welcome Tilly

30-12-2006--Requested statements from Local Halifax.

02-02-2007--Statements Recieved.

18-04-2007--Prelim sent.

20-04-2007--Reply , Thanks , give us 8wks letter.

02-0502007--Sent L.B.A. & Schedule of Charges

11-05-2007--Recieved reply ,still investigating.

17-05-2007--Sent Amended L.B.A. for Contractual Interest this time.

14-06-2007--Received standard Bog Off letter.

13-06-2007--Took N1 to Local Courts.

26-06-2007--Copy of N1 from Court, issued 21-06-2007. to Halifax, Deemed Served 25-06-2007

Have till 09-07-2007 to file Defence.

05-07-2007--Note that Acknowledgment of Service been Filed on 29-06-2007.

Have 28 days from date of Service to File Defence.

07-07-2007--Offer from Halifax.

09-07-2007--Rejection letter sent to Halifax. Next day delivery.

10-07-2007--Money put in Account:mad:

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Hi Guys.

 

Well only got till Monday to file their Defence now.

 

I just hope leaving those details out of the papers I sent in doesnt do any harm.

 

Cant lose just on that , a mere technocality, not now:eek:

 

Have I got to ring the Court on Monday, to check if they have or not .I think I have.

 

t

They have till 4 o'clock I think but the only thing is that my Local Court closes at 4o'clock and then that particular part is not open till Wednesday.

 

Do you think that I should have notified the Court that they have made me an offer and paid it into my bank (even though I sent the letter of Rejection and have not touched it).

 

I dont know why they couldnt take it out straight away , they have had 11 days , How long does it take ,they put it in in 1 day.

 

These next couple of days are gonna drag but Ive waited this long so a wee bit longer wont hurt.

 

Keep you all updated.

 

Regards :)

30-12-2006--Requested statements from Local Halifax.

02-02-2007--Statements Recieved.

18-04-2007--Prelim sent.

20-04-2007--Reply , Thanks , give us 8wks letter.

02-0502007--Sent L.B.A. & Schedule of Charges

11-05-2007--Recieved reply ,still investigating.

17-05-2007--Sent Amended L.B.A. for Contractual Interest this time.

14-06-2007--Received standard Bog Off letter.

13-06-2007--Took N1 to Local Courts.

26-06-2007--Copy of N1 from Court, issued 21-06-2007. to Halifax, Deemed Served 25-06-2007

Have till 09-07-2007 to file Defence.

05-07-2007--Note that Acknowledgment of Service been Filed on 29-06-2007.

Have 28 days from date of Service to File Defence.

07-07-2007--Offer from Halifax.

09-07-2007--Rejection letter sent to Halifax. Next day delivery.

10-07-2007--Money put in Account:mad:

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Keep your chin up, girl, 'cos your nearly there now, & it deffo won't be long now. They're probably leaving that money there, 'cos they now you'll get it all at the end of the day, so I wouldn't worry about it. I'll keep watching your thread, & everything is getting really tired now that I've had everything crossed for so long. hehehehe. Catch you later overflow.

--------------------------------

If you approve of my Post, please tip my scales.

13/07/07 **WON** Halifax

Any advice or opinion I give, is what I have learnt from CAG, If in doubt, please consult a professional.

 

[sIGPIC][/sIGPIC]

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Hi guys

 

Checked again today but the same old story. Money still in my bank.

 

Just hope Ive done everything right. Im claiming from Dec 1999. I know the Haliprats are sticking to their guns over this, saying I can only claim for 6 yrs, Im begining to have doubts now.

 

I am right are'nt I,there have been people who have claimed over the 6yr limit ?

 

Im being honest Ive a feeling its all going to end in tears (MINE) :(

 

I would hate for it to go to Court and for me to do the bundle and everything then have the Judge turn round and say "Oh Mrs , Youve got this all wrong. LOL (him). You cant claim at all so pay up youve been wastin our time":eek: .

 

Tomorrow is the last day for them to defend, Will they or Wont they.

 

Then I guess its Judjement time if they dont. Must read up on how to do this.

 

Keep you all posted.

 

Regards :)

  • Haha 1

30-12-2006--Requested statements from Local Halifax.

02-02-2007--Statements Recieved.

18-04-2007--Prelim sent.

20-04-2007--Reply , Thanks , give us 8wks letter.

02-0502007--Sent L.B.A. & Schedule of Charges

11-05-2007--Recieved reply ,still investigating.

17-05-2007--Sent Amended L.B.A. for Contractual Interest this time.

14-06-2007--Received standard Bog Off letter.

13-06-2007--Took N1 to Local Courts.

26-06-2007--Copy of N1 from Court, issued 21-06-2007. to Halifax, Deemed Served 25-06-2007

Have till 09-07-2007 to file Defence.

05-07-2007--Note that Acknowledgment of Service been Filed on 29-06-2007.

Have 28 days from date of Service to File Defence.

07-07-2007--Offer from Halifax.

09-07-2007--Rejection letter sent to Halifax. Next day delivery.

10-07-2007--Money put in Account:mad:

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Hiya don't fry your brain reading too much it will drive you insane! i am sure i got told that they allow the bank a days grace to file which i myself don't think this is at all fair (check with ssl i think it was her that told me) they filed their intention to defend at the last minute by fax something like 3.15 pm!! talk about pushing it, when they had the 14 days to acknowledge my claim they did it the day after so they really had 15 days :mad:, i bet your so stressed you poor thing all this worrying can't be doing any of us any good at all!! hope you get this sorted you never know all the money just might appear in your account tomorrow too!! wouldn't it be great if we was all on here celebrating tomorrow night :grin::grin: xx

Miz_Print v Halifax Won :-D 24th july 2007:D

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