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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.  
    • 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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1st Credit Demanding Payment


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My feelings exactly

You may receive different advice to your query as people have different experiences and opinions. Please use your own judgement in deciding whose advice to take.

 

If in doubt seek advice from a qualified insured professional. Any advice I have offered you is done so on an informal basis, without prejudice or liability.

 

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court bundles for dummies

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Yes but if its put to them if you don't remove the default you can wait for the money or get the default removed and I'll pay you a nice lump sum.............saying after all I've nothing to lose.................

 

If he plays it well I think they'll back down - I've seen it on other threads

 

Fair point, i suppose theres nothing like a lump of cash as a bargaining tool ;)

To quote Public Enemy.........

"Fight the power, fight the powers that be" :D

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the DCA cannot default her if they cannot prove the debt. I also think she would have a good case to fight the original lender over a default that wasnt entirely of her own making. Obviously the person in the origal lenders office went to the same charm school as the DCAs. I would put my case in writing to the original lender

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the DCA cannot default her if they cannot prove the debt. I also think she would have a good case to fight the original lender over a default that wasnt entirely of her own making. Obviously the person in the origal lenders office went to the same charm school as the DCAs. I would put my case in writing to the original lender

 

Hi guys,

 

Just to clear up any confusion I'm a he :D

 

It just doesn't sit right in my mind that I get defaulted in such circumstances and so I will do everything I can to stop it happening. I'm going to try to do my best this weekend to not think about it. Then on Monday at 10am I'll discuss my options with my solicitor. I wonder how many calls I'll get from 1st Credit before then?!

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Are you aware that a default notice has to be served on the debtor to be valid? The default notice also has to be accurate (specific to you) and contain prescribed terms to be valid.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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Hi all,

 

Latest installment .....

 

Received settlement letter offer from 1st Credit this morning. Interesting points to note are:

 

  • My name is spelt incorrectly.
  • They have given me until end of July to make full payment (previously it was due mid-July).
  • There is no mention of need to pay something immediately.
  • There is no confirmation of a default not being recorded on my credit file.
  • The letter is dated 22nd June (yesterday) despite the fact that I was told yesterday that 'a letter' was sent on 21st June.

I'll take it along with me to solicitor on Monday but would I be right in thinking as they don't have the correct name on the letter I haven't actually been issued with the demand so don't arguably need to act?

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It just shows how incompetent tey are. Sorry to sound negative but 1st credit are not reknowned for their integrity and if you read other threads about them on here you will find what they are really like, They will soon start on their usual harrasing threat calls. Go down the CCA route before you do anything. They may appear to be offering to save you 4 grand when in actual fact they may have no right to demand anything

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It just shows how incompetent tey are. Sorry to sound negative but 1st credit are not reknowned for their integrity and if you read other threads about them on here you will find what they are really like, They will soon start on their usual harrasing threat calls. Go down the CCA route before you do anything. They may appear to be offering to save you 4 grand when in actual fact they may have no right to demand anything

 

Needless to say another phone call just received that I rejected. No voicemail this time. I simply sent another e-mail stating that I have requested on numerous occasions yesterday that I do not want to be contacted by phone and to put all communication in writing.

 

I am definitely not paying anything given the incompetence and blatant lies they have told so far. I'm going to wait until I've seen my solicitor on Monday but am highly likely to be requesting the CCA that afternoon.

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Are you aware that a default notice has to be served on the debtor to be valid? The default notice also has to be accurate (specific to you) and contain prescribed terms to be valid.

 

Sorry Rory, could you explain this a bit more for me? Does this mean they would need to notify me of the default?

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Does this mean they would need to notify me of the default?

Yes, by sending you a default notice that conforms to the CCA1974 and the Consumer Credit (Enforcement Default and Termination Notices) Regulations.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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Yes, by sending you a default notice that conforms to the CCA1974 and the Consumer Credit (Enforcement Default and Termination Notices) Regulations.

 

Just checked the terms of the loan and it does state clearly:

 

"If you fail to pay any monthly installment ... we shall have to give you at least 7 days' notice in writing, to give you a chance to put things right, if this can be done, or to pay us compensation, if not. This is called a default notice."

 

I have never received one of these. First communication was from 1st Credit telling me the entire balance was due!

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Just checked the terms of the loan and it does state clearly:

 

"If you fail to pay any monthly installment ... we shall have to give you at least 7 days' notice in writing, to give you a chance to put things right, if this can be done, or to pay us compensation, if not. This is called a default notice."

 

I have never received one of these. First communication was from 1st Credit telling me the entire balance was due!

 

Then the default isn't valid. Send off for your CCA immediately too. If you're seeing your solicitors tomorrow the court case to cite re the CCA is Wilson v Minister of Trade & Industry 2005

 

Don't let them intimidate you these DCA's & never trust a word they say.

 

Good luck tomorrow & let us know what's adviced

You may receive different advice to your query as people have different experiences and opinions. Please use your own judgement in deciding whose advice to take.

 

If in doubt seek advice from a qualified insured professional. Any advice I have offered you is done so on an informal basis, without prejudice or liability.

 

If you think I have been helpful PLEASE click the scales

 

court bundles for dummies

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Hi there,

 

Sorry for the delay but after another week of fun and games here is the latest ...

 

Met with solicitor who advised the following:

 

a) It is very strange that my the lender did not state anywhere in the terms of the loan what happens when someone leaves employment.

b) I should approach 1st Credit asking for confirmation that they will accept £6500 as full and final payment and that the only adjustment made to my credit record will be to show the file as satisfied.

 

So I e-mailed 1st Credit asking for the above. 2 days later I received an e-mailed letter stating what I had asked, clearly stating they will update the file to show as 'satisfied'. I then presumed all would be okay.

 

However .... 2 days later I received a subsequent e-mail advising that they had spoken to the lender and they said they will only update it to show partially satisfied.

 

Solicitor is now away until Thursday and I'm getting sick of it dragging on!

 

I have just checked my credit file and the account is now showing as defaulted - b***ards!

 

Whilst I just want it to go away (and paying seems the easy option) I REALLY do not want that default hanging around for years especially when I was never even notified!

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Hi Cluedup,

I've dealt with 1st credit, like you by email. It's all sorted now thankfully in my favour but since, I've been getting some very strange spam emails.

I'm not sure if they're related but from now on I'm going to use a disposable email when dealing with DCAs.

If you notice the same would you let me know? Anyone else noticed this?

 

Just because you're paranoid doesn't mean they're not out to get you:)

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Play hardball - say no lift default then will pay debt at 10 a week. lift default i'll pay you the 6.5 k (or whatever). They'll cave in if you stand firm..........

You may receive different advice to your query as people have different experiences and opinions. Please use your own judgement in deciding whose advice to take.

 

If in doubt seek advice from a qualified insured professional. Any advice I have offered you is done so on an informal basis, without prejudice or liability.

 

If you think I have been helpful PLEASE click the scales

 

court bundles for dummies

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Yeah DCA's like cash now rather than later. Keep plugging away at them, they will cave. Just make sure that any offer is accepted in writing as a full and final settlement with no strings attached.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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