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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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manf v Ruthbridge and Littlewoods


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yeah dont give anything away, let them show their cards first.

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Me Vs AA/Blair Oliver - Defaulted on CCA, Committed Criminal Offence, started chasing payment

 

Me Vs Great Universal - Wrote off the 2k balance, couldnt supply docs

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/74209-me-littlewoods-catalogue.html

 

My Friend Vs Lowell Portfolio - Balance written off, all action stopped!

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/75075-my-friend-lowell-victory.html

 

My Friend Vs Empire Catalogue - Balance Cleared

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/75713-my-friend-empire-droyds.html

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Hello all.

 

What a fun time you seem to be having Manf! I see the big guns are still with you (ODC, Curly, dpick et al) and you seem pretty chilled :)

 

I've been away on holiday for two and a bit weeks but was reading your thread (when I got half a chance) - yes I am sad, I know!

 

I am finally going to start my own Littlewoods thread as I've had a flurry of activity whilst I was away and they've passed my account to Capquest (eeuuch) despite stating that they wouldn't pursue me for the debt. I hope you'll all subscribe!

 

Ho hum - at least I know I back home. There's nothing like a bunch of letters and DCA phone calls at 8.30am in the morning to bring you back down from your holiday high!

 

Keep smiling all.:D

 

deedee x

My threads

deedee1310 v Abbey, deedee1310 v Capital One, deedee1310 v Halifax Plc, CapQuest CCJ, deedee1310 v Littlewoods & deedee1310 v Smile

If I have been of help in even the smallest way, please click the star and "add to my reputation" :p

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hi deedee i was wondering where you were i hope you had a nice holiday............ trust Ruthless to spoil your holiday mood let me have the link to your new littlewoods thread and i will definately subscribe............ keep smiling x

its all quiet on my western front haven't heard anything from them since last week !!!!!!!!!!!!!!!!!!!!!!!!!

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Manf thats good youve heard nothing, but as you know if they come back to you, you come back to us!

 

KPR

Me Vs AA/Blair Oliver - Defaulted on CCA, Committed Criminal Offence, started chasing payment

 

Me Vs Great Universal - Wrote off the 2k balance, couldnt supply docs

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/74209-me-littlewoods-catalogue.html

 

My Friend Vs Lowell Portfolio - Balance written off, all action stopped!

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/75075-my-friend-lowell-victory.html

 

My Friend Vs Empire Catalogue - Balance Cleared

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/75713-my-friend-empire-droyds.html

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My threads

deedee1310 v Abbey, deedee1310 v Capital One, deedee1310 v Halifax Plc, CapQuest CCJ, deedee1310 v Littlewoods & deedee1310 v Smile

If I have been of help in even the smallest way, please click the star and "add to my reputation" :p

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  • 2 weeks later...

good morning all

it has been quiet from you know who for weeks now !!!!!!!!!!!!!!!!!!!!:)

i wonder what they are up to, i hope everything is alright with you all x

 

Ruthless have got until the 12th of Sept, then thats the 40 days up as well then i will need a bit od help if you don't mind about sending them a bogoff letter is that the right move to make ?????????????

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good morning all

it has been quiet from you know who for weeks now !!!!!!!!!!!!!!!!!!!!:)

i wonder what they are up to, i hope everything is alright with you all x

 

Ruthless have got until the 12th of Sept, then thats the 40 days up as well then i will need a bit od help if you don't mind about sending them a bogoff letter is that the right move to make ?????????????

 

Manf, as ever WAIT, until they demand payment.

Then, and only then will we go with a boggoff letter and report to TS ;)

Damn my Simian friend beat me to it. Rememb er this is the same bunch of clowns who threatened you with all sorts and referred to me personally in remarks about CAG. They are not so clever now. They will be less clever when they get a BOG OFF letter plus a complaint to themselves and TS and a little demand from the FOS for £ 400.

 

I will leave it up to you Manf to decide who was right your CAG buddies or those awfully nice threatening bullies at Ruthless:rolleyes:

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Hi Curly, Hi ODC,

 

I Know you are both so very very right and i will take all of your fantastic advise to the very last letter because if it wasn't for your brilliant advise i would be in a right state so when their time is up on the 12th of Sept i will be right back on here asking what to do next !!!!!!!!!!!!! xx ;)

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Hi manf!

 

The madness that is the return to school is over! I'm a bit less stressed. So ruthless have 5 more days and counting before they have committed an offence? Nice going!

 

I'm about to update my thread but I'll let you know here anyway. I got a letter today from Capquest, in reference to one of my shLittlewoods accounts. In short they have returned the account back to Littlewoods.

 

Thanks to Curly for the BOG OFF letter (which I tweaked slightly) which helped do the trick love0007.gif.

 

deedee xxx

My threads

deedee1310 v Abbey, deedee1310 v Capital One, deedee1310 v Halifax Plc, CapQuest CCJ, deedee1310 v Littlewoods & deedee1310 v Smile

If I have been of help in even the smallest way, please click the star and "add to my reputation" :p

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okkie dokkie

thanks curly i WILL wait and wont make a move without ny cag buddies;) xx

Curly B's BOG OFF letter is a classic but way too clever for your pals at Ruthbridge. They will be totally unable to answer it

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  • 2 weeks later...

Hi manf all you have to do now is wait they wont be able to resist sending another demand for payment or veiled threat of court action then you send this letter

 

 

You have not complied with my CCA 1974 request for a true copy of my original Credit agreement.

 

I will not respond to any further communication useless required to by a court order.

 

Or of course just send the bog off letter

 

How come I get the feeling that you aint worried any more when a letter comes through the door.

 

all the best dpick:D :D

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:D thanks dpick i will wait and see what happens but its killing me i don,t do waiting hehe xxxxxxxxxx

 

oneofakind................ i wonder hehe its amazing what your brain can do when you are totally worried,frightened and scared over horrible letters these people send you ...........

but now thanks to my wonderful pals .......... at cag and all of your brill advise she has long gone

xxxxxxxxxx

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