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    • Please see my comments on your post in red
    • Thanks for your reply, I have another 3 weeks before the notice ends. I'm also concerned because the property has detoriated since I've been here due to mould, damp and rusting (which I've never seen in a property before) rusty hinges and other damage to the front door caused by damp and mould, I'm concerned they could try and charge me for damages? As long as you've documented and reported this previously you'll have a right to challenge any costs. There was no inventory when I moved in, I also didn't have to pay a deposit. Do an inventory when you move out as proof of the property's condition as you leave it. I've also been told that if I leave before a possession order is given I would be deemed intentionally homeless, is this true? If you leave, yes. However, Your local council has a legal obligation to ensure you won't be left homeless as soon as you get the notice. As stated before, you don't have to leave when the notice expires if you haven't got somewhere else to go. Just keep paying your rent as normal. Your tenancy doesn't legally end until a possession warrant is executed against you or you leave and hand the keys back. My daughter doesn't live with me, I'd likely have medical priority as I have health issues and I'm on pip etc. Contact the council and make them aware then.      
    • extension? you mean enforcement. after 6yrs its very rare for a judge to allow enforcement. it wont have been sold on, just passed around the various differing trading names the claimant uses.    
    • You believe you have cast iron evidence. However, all they’d have to do to oppose a request for summary judgment is to say “we will be putting forward our own evidence and the evidence from both parties needs to be heard and assessed by a judge” : the bar for summary judgment is set quite high! You believe they don't have evidence but that on its own doesn't mean they wouldn't try! so, its a high risk strategy that leaves you on the hook for their costs if it doesn't work. Let the usual process play out.
    • Ok, I don't necessarily want to re-open my old thread but I've seen a number of such threads with regards to CCJ's and want to ask a fairly general consensus on the subject. My original CCJ is 7 years old now and has had 2/3 owners for the debt over the years since with varying level of contact.  Up to last summer they had attempted a charging order on a shared mortgage I'm named on which I defended that action and tried to negotiate with them to the point they withdrew the charging order application pending negotiations which we never came to an agreement over.  However, after a number of communication I heard nothing back since last Autumn barring an annual generic statement early this year despite multiple messages to them since at the time.  at a loss as to why the sudden loss of response from them. Then something came through from this site at random yesterday whilst out that I can't find now with regards to CCJ's to read over again.  Now here is the thing, I get how CCJ's don't expire as such, but I've been reading through threads and Google since this morning and a little confused.  CCJ's don't expire but can be effectively statute barred after 6 years (when in my case was just before I last heard of the creditor) if they are neither enforced in that time or they apply to the court within the 6 years of issue to extend the CCJ and that after 6 years they can't really without great difficulty or explanation apply for a CCJ extension after of the original CCJ?.  Is this actually correct as I've read various sources on Google and threads that suggest there is something to this?.
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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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      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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debt advise please....


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Hi All, I was wondering....a few yrs ago i had ccjs and defaults left right and centre, but now we have paid off our debts and are just about ok.

The question is...how long do these stay "on record"? And how do we get rid of these, if we can at all???

Thanks

 

Jenny

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CCJ's stay file for 6 years after judgement. If you have paid them all off you can apply to the court for a Certificate of Satisfaction. It is very difficult to get them removed unless you paid them off within 1 month of the judgement then they would have automatically been removed from your file.

 

Get a copy of your credit files, they cost £2 each and see if they are still on and whether they are marked as satisfied.

 

Lan

No one can make you feel inferior without your consent :)

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Hi Thanks for the quick reply, Could i apply to any court now or would i have to wait 6yrs?

Jen

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No you need to apply to the court where the judgement took place. But if you get copies of your credit files you will be able to see what is on them and whether or not you need to get the cert of satisfaction (these will cost you £15 each) so if they are already marked as satisfied I wouldn't bother. If you really want them removed you could write to the creditors who took you court and ask if they will remove them for you now that they are paid, some might do this others won't but it's worth a try.

 

My advice would be get copies of your credit files first and take it from there. At least then you will know what is on your file and you can then decide how best to go about it.

 

That's what I did, I had a CCJ 2 years ago and paid it off in full last year but it was still marked as unsatisfied this year, so I got the cert of satisfaction and sent copies to the credit reference agencies to have the files updated. I may write to the creditor to see if I can get it removed at a later date, but I am concentrating on some defaults that are there first.

 

Lan

No one can make you feel inferior without your consent :)

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In retrospect tho, you can under the data protection act have all information about you on file, this means that it will all be removed. The slight downside is that you then have no credit rating and need to start from scratch. Depends how bad it was/is. Not sure the wheres and hows but i know it can be done.

***************************************

Feels like a lost little girl x

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Thanks all for the replies, would it be best to get an experian credit report? then go from there.

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