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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  
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    • 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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Buby_x v Abbey


Buby x
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Hi. I received a letter from Southend to say that my court allocation hearing is in September. I, this morning, have received another letter saying that my case has been stayed untill the outcome of the high court hearing about charges. What is this high court hearing they are talking about...Am a little confused.

Buby x

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Hi Buby...

 

Hi. I received a letter from Southend to say that my court allocation hearing is in September.Good.

 

I, this morning, have received another letter saying that my case has been stayed untill the outcome of the high court hearing about charges. Who sent this letter? If it was the bank/solicitors, it's not up to them if a stay is granted. If it's the court, the stay can be challenged.

 

What is this high court hearing they are talking about...Am a little confused. The court hearing referred to, is the test case brought by the OFT. See link:

http://www.consumeractiongroup.co.uk/forum/general/108091-oft-banks-dont-panic.html

 

Buby x

 

Ps... where have you been??? This has been BIG news!!!

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Thanks for your reply...Have not been around for 7 weeks, hence only just resuming my bank charge claim.

The letter about the stay was sent to me by southend court, does this mean I will still have to attend in september.

How long before the high court hearing or is that still in the early stages.

buby x

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  • 2 weeks later...

Please help.. i've received a stay on my case. The allocation hearing has been stayed pending the test case. Does this mean I don't have to attend court on this day

Thanks Buby x

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Hi Buby

 

Does it say on the letter that the hearing on xx/xx/xxxx has been "vacated?" If so then no, you do not have to attend.

 

If you are still unsure, post up the contents of the letter here, then someone can advise you further.

 

Best regards

 

Jo xx

Six Nations Champions 2009

Triple Crown 2009

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The form that was sent reads as follows.....

 

Upon proceedings having been issued in the High Court to determine the lagality or otherwise of Bank Charges;

 

Before District Judge Dudley sitting at Southend County Court at Tylers House.

And upon it appearing to the court that this claim will be affected by the outcome of those proceedings;

IT IS ORDERED THAT

1. This claim be stayeduntil determination of the high court proceedings.

2. liberty to either party to apply on notice under CPR 23 to lift the stay.

3. The hearing of any application to lift the stay be reserved to district Judge Dudley

 

This order was made of the courts own initative pursuant to CPR Part 3.3(4). You may apply to set aside, vary or stay the order but such application must be made within 7 days of receivng it. ( I received it on about 10th August).

 

 

 

There is also a letter attached from the court saying as follows...

 

You will find attached an order from the court in relation to your case.

 

All cases have been stayed( all proceedings halted until the test case is determined)

 

If you need to get in touch do so in writing blah blah.

 

Thanks for your help.

Buby x

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Hi Buby

 

OH I replied earlier, but it is not here?:confused: My fault I guess.

 

Anyway, my interpretation is that you do not have to attend, because the Court have issued the Stay.

 

I would ring the Court tomorrow to confirm that the Hearing has been stayed, and also contact a Mod/SiteHelper re an apllication against the stay, as you are now outside the time limit set by the Court.

 

Sorry I can't be of more help.

 

Best regards

 

Jo xx

Six Nations Champions 2009

Triple Crown 2009

Grand Slam 2009

:cool::-D:cool:

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Hi. Thanks for your help. I don't like to pm a mod helper as I'm sure they are very busy. So wondered if one of them would pick this post up!!!!!!!1. I am now outside my time for putting in an application against the stay. Wondered if there was anything I could do as I don't want to have to wait till 2008 to get my money owing.

Buby x

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Hi Buby...

 

Personally, although out of the time limit, I see no reason why you shouldn't request a removal of the stay. You have absolutely nothing to lose by doing so. I and many others are in exactly the same boat!!

 

try these links for info and templates:

 

http://www.consumeractiongroup.co.uk/forum/general/108430-stays-info-guidance.html

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/17065-application-removal-stay-updated.html#post1046820

 

http://www.consumeractiongroup.co.uk/forum/cases-stayed-pending-oft/

 

If nothing else, this will give you post a little "bump"!!! ;)

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  • 3 months later...

Hello to all.

I had my claim stayed back on 31st july 2007 and also my Barclays claim stayed on the same date. I never tried to get the stay lifted but now with christmas looming up I could really do witht he money or even know I'll get it soon after. I am severly struggling financially. I am not on any benifits but my credit cards are on there lilmits . am I able to apply to get the stays lifted at this late stage.

Has there been any news on the pending case with the oft.

Buby

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Hi there, I am afraid that you probably wouldnt be able to get the stay lifted now before the test case, alot of hardship cases havnt even been allowed to have the stay lifted so I am afraid that you might well be wasting your time trying.

Lula

 

Lula v Abbey - Settled

Lula v Abbey (2) - Settled

Lula v Abbey (3) - Stayed

 

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  • 1 month later...
  • 2 weeks later...

Hi All and Happy New Year.

 

As I await the test case the lovely Abbey have given me a little new year pressie.......Yes more charges...... How can they still be allowed to give us charges when we are not allowed to claim them back until after the test case. This is surely not fair. is there anything I can do as I just don't have the money to pay these charges.

Buby X

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  • 2 weeks later...

Well have you rang them to see if they will reverse them? if they wont, there isnt alot more you can do about it apart from wait a while and perhaps file an N244 at the court and add on these charges.

 

Im sorry, cant be more help. Unless you open a new account and have everything put through the new account and put the old account into dispute

Lula

 

Lula v Abbey - Settled

Lula v Abbey (2) - Settled

Lula v Abbey (3) - Stayed

 

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  • 2 weeks later...
  • 3 months later...

Can anyone tell me what is going on with the test case. i understand that the banks are going to appeal. My claim has been stayed at my court so is it just a waiting game now... If the banks don't have to repay our charges because all the claims are stayed then how come they are still allowed to charge us for going overdrawn. surely they shouldn't be allowed. Whats good for us should be good for them.

Buby x

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I think we all agree with you Buby. For all the latest you should have a read of this thread.

 

http://www.consumeractiongroup.co.uk/forum/oft-test-case-updates/139905-oft-banks-round-one-49.html

HOW TO...DUMMIES GUIDE TO CAG...Read here

STEP BY STEP GUIDE...Read here

F&Q's... Read here

EVERYTHING YOU NEED THE A~Z GUIDE...Read here

 

Go to our Cag Toolbar Download page here

 

Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

Any opinions are without prejudice & without liability. All I know has come from this site. If you are unsure, please seek professional advice. .

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  • 3 months later...

Hi....My claim, like every one elses, was pout on hold till after the test case. Then the banks lost and appealled so how long do we have to wait till we can get our money back It seems a little unfair that the reclaim process has been put on hold but the banks are still allowed to charge us if we go overdrawn.

Can anyone give me an up date as to whats happeneing

buby x

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Hi Buby

 

The only way the stayed claims with Abbey are being paid 65% of claim is if you can show that you are in financial hardship as defined by the FSA waiver. In order to do this you must first complete and income and expenses statement, provide all the evidence that support your claim and write a nice letter.

 

If you believe you come under the present FSA waiver guidlines you could stand a good chance of getting an interim payment.

 

Regards

 

Tuttsi xx

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  • 1 month later...

OMG I have just received a call from Mr Ronan Coyle regarding my hardship claim.. They have just agreed to pay me 65% without predudice claim Totalling £1091.81. I cannot believe it. He said the money should be in my account by next monday. Lets see!!!!!!

He really has been a nice guy through all this I can't believe ha actually works for abbey.

Buby x

I really connot believe this is happening to me. I feel like I've won the lottery.

Donation to CAG on its way when the money clears!!!!!!!

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