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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.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

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      This is good ethical practice.

      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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Car insurance


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Hi

 

I had nationwide car insurance but missed a payment and they sent me a letter asking for payment by friday 20 - 4 - 07 i called on that friday to pay but they said the policy had been cancelled on the tuesday and now they are sending me letters asking for the missed payment and said it will be passed on to DCA and will be registered as a debt.:mad:

 

my question is can they add a default to my credit report if i refuse to pay as they cancelled before the agreed date, there is nothing on there at the moment to do with nationwide car insurance.

 

thanks in advance

NatWest - £443 & Default Removal - Settled :D

Nationwide - £620 - Sent Prelim

Littlewoods - £??? & Default - Sent S.A.R - (Subject Access Request)

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They cannot threaten you with a default on your credit report in retrospect, you had to be told of this condition at the inception of the policy. It is also worth remembering if they have cancelled the policy (there is no operational cover) any subsequent payments can be viewed as a penalty as you're not getting the benefit of the cover paid for.

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thanks you for your help im going to call them while im at work so i can record the call and see what they got to say.

 

Thanks

NatWest - £443 & Default Removal - Settled :D

Nationwide - £620 - Sent Prelim

Littlewoods - £??? & Default - Sent S.A.R - (Subject Access Request)

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Got a letter today from moorcroft asking for the money or they will register a judgement against me and send bailiffs to collect it lol

 

can they place a default on my credit file now that its been passed over to a dca.

 

i just spent 6 months removing my last one dont want another one

 

thanks

NatWest - £443 & Default Removal - Settled :D

Nationwide - £620 - Sent Prelim

Littlewoods - £??? & Default - Sent S.A.R - (Subject Access Request)

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Firstly, they cannot 'register a judgement' until there is one. Do do this they have to take you to court, and only after you lose can bailiffs become involved. Classic scare tactics of butting the card before the horse. Also, your default would be with your Insurer, not Moorcroft (unless the debt was sold to them) so there's scope to tie them in knots asking for files and proof.

 

Do also remember to explain that the policy was cancelled in advance of the deadline allowed, therefore the insurer is in breach of their own criteria. Since the matter remains in dispute, you advise that your file be returned to their client (the insurer) for further negotiation.

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