Jump to content


  • Tweets

  • Posts

    • its not a good thing or a bad thing its ongoing. mines gone the same route. these new notifications are equally meaningless.
    • Shein has been linked to unethical business practices, including forced labour allegations.View the full article
    • Hi I have to agree with @unclebulgaria67 post#3 For the funding side of moving to a new area and it being private supported accommodation I would also suggest speaking to private supported accommodation provider about funding but also contact the Local Council for that area and have a chat with them about funding because if you are in receipt of Housing Benefit certain Supported Accommodation that meets a certain criteria is treated as ‘exempt accommodation’ for Housing Benefit purposes but you need to confirm this with that relevant Council in your new area especially since it is Private Supported Accommodation as each Council can have slightly different rules on this. If you have a certain medical condition look up the charities and also have a wee chat with them as they may be able to point you to different Grants to assist with moving costs and your question about funding for private supported accommodation as well.
    • Hi Just to be clear a Notice to Quit is only the very start of the Housing Association going down the Eviction route there is a long process to go. Also to be clear if you leave at the Notice to Quit date only and go to the Council claiming you are Homeless they will more than likely class you as Intentionally Homeless therefore you have no right to be given temporary housing by the Council. The only way that works is when the Court has Granted a Possession Order then you can approach the Council as Homeless with the Court Order. As for the Housing Association issuing the Notice to Quit because there investigation has proved it's not your main residence but you have witness statement to prove otherwise. From now on with the Housing Association you need to keep a very good paper trail and ensure to get free proof of posting from the post office with anything you send to them. You now need to make a Formal Complaint to the Housing Association and please amend the following to suit your needs:   Dear Sir/Madam FORMAL COMPLAINT Reference: Notice to Quit Letter Dated XX/XX/2024, Hand Delivered on XX/XX/2024 I note in your letter that you stated that the Housing Association has carried out an investigation into myself and came to the conclusion that I am not using this property as my main residence and have evidence of this and have therefore issued a 'Notice to Quit' by XX/XX/2024. I find the above actions absolutely disgraceful action by the Housing Association. 1. Why have I never been informed nor asked about this matter by my Housing Officer. 2. Why have I never been given the opportunity to defend myself before the Housing Association out of the blue Hand Delivered a Notice to Quit Letter. 3. I have evidence and witnesses/statements that prove this is my Main Residence and more than willing provide this to both the Housing Association and the Court. I now require the following: 1. Copy of your Complaints Policy (not the leaflet) 2. Copy of your Customer Care Charter (not the leaflet) 3. Copies of your Investigation into this not being my main residence.    As well as the above you need to send the Housing Association urgently a Subject Access Request (SAR) requesting 'ALL DATA' that simple phrase covers whatever format they hold that in whether it be letters, email, recorded calls etc. The Housing Association then has 30 calendar days to respond but that time limit only starts once they acknowledge your SAR Request. If they fail to respond within that time limit its then off with a complaint to the Information Commissioners Office (ICO).     
    • Hi Sorry for the delay in getting back to you The email excuse and I do say excuse to add to your account and if court decide LL can't recoup costs will be removed is a joke. So I would Ask them: Ask them to provide you with the exact terms within your Tenancy Agreement that allows them to add these Court Fees to your Account before it has been decided in Court by a Judge. Until the above is answered you require these Court Fees to be removed from your Account (Note: I will all be down to your Tenancy Agreement so have a good look through it to see what if any fees they can add to your account in these circumstances)
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      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
        • Like
  • Recommended Topics

manf v Ruthbridge and Littlewoods


ODC
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6088 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

  • Replies 186
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

first of all i would like to thank you for opening a new thread for me.......

so what step do i take next they have told me i owe them 2544.33 and because i was in a state i offered them 50.00 a month which i have to start paying 1/8/07 and they want my bank details so i dont know what to do now any help please !!!!!!!!!!!!!!!!!!!!!!!!

Link to post
Share on other sites

first of all i would like to thank you for opening a new thread for me.......

so what step do i take next they have told me i owe them 2544.33 and because i was in a state i offered them 50.00 a month which i have to start paying 1/8/07 and they want my bank details so i dont know what to do now any help please !!!!!!!!!!!!!!!!!!!!!!!!

http://www.consumeractiongroup.co.uk/forum/show-post/post-162367.html This is the letter you need to send them. Send it by recorded delivery. DO NOT SIGN WITH YOUR NORMAL SIGNATURE send a postal order instead of a cheque. DO NOT SPEAK WITH THESE PEOPLE ON THE PHONE. Post the CCA letter off and sit back and wait. In 12 working days after receipt they will be in default and you dont have to pay anything to them until they produce a valid CCA. 1 Calendar month later they will commit a summary offence and you then report them to Trading standards. Ruthbridge are well known bullies and are very economical with the truth thatis why you must keep everthing in writing and never speak to them no matter what they say. You will get all the help youi need on here to defeat these shylocks

Link to post
Share on other sites

and if your too busy to look it up

use something like this

Dear Sir/Madam

Name:

Reference:

DEBT IN LEGAL DISPUTE

I am presently striving to organise my personal information and can find no reference to the alleged debt and/or agreement on you appear to have been assigned to collect.

 

Therefore, please supply me with a true copy of the original agreement.

You will appreciate that this is my right and your legal obligation under the legislation contained within section 77 (1) and section 78 (1) of the Consumer Credit Act 1974.

I also understand that it is your obligation to provide me with a statement of account and I look forward to receiving that as well.

Please also supply a signed true copy of the deed of assignment of the above referenced agreement if applicable.

Again, this is you will appreciate a statutory obligation, whether you are the original creditor or not, under section 189 of the Consumer Credit Act 1974.

We enclose a payment of £1.00 which represents the fee payable under the Consumer Credit Act, this fee is not to be offset against any alleged debt.

 

I look forward to hearing from you within the statutory time limit.

 

 

 

 

 

 

 

 

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

Link to post
Share on other sites

Well ODC beat me too it, but did cheat as he opened the thread in the first place.

 

You MUST ensure that these "people" have the legal right to collect on this debt. A CCA request does just that.

I opened it to help Manf as they were unsure of how to do it. Besides he/she has Ruthless on their case so thats a good enough reason to help out.:p

Link to post
Share on other sites

and if your too busy to look it up

 

use something like this

 

Dear Sir/Madam

 

Name:

Reference:

 

DEBT IN LEGAL DISPUTE

 

I am presently striving to organise my personal information and can find no reference to the alleged debt and/or agreement on you appear to have been assigned to collect.

 

Therefore, please supply me with a true copy of the original agreement.

 

You will appreciate that this is my right and your legal obligation under the legislation contained within section 77 (1) and section 78 (1) of the Consumer Credit Act 1974.

 

I also understand that it is your obligation to provide me with a statement of account and I look forward to receiving that as well.

 

Please also supply a signed true copy of the deed of assignment of the above referenced agreement if applicable.

 

Again, this is you will appreciate a statutory obligation, whether you are the original creditor or not, under section 189 of the Consumer Credit Act 1974.

 

We enclose a payment of £1.00 which represents the fee payable under the Consumer Credit Act, this fee is not to be offset against any alleged debt.

 

I look forward to hearing from you within the statutory time limit.

 

 

 

 

 

 

 

 

 

Kenny you must have these stock replies of yours stored as macros you rply so quick:D

Link to post
Share on other sites

lol not quite, just so happens i was close to my "Debt" folder :-D

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

Link to post
Share on other sites

So there you ManF you have three friend of Ruthbridge on your side already. What one of us doesnt know the others will. Im sure by evening you will probably have more advice than you can shake a stick at. Ruthless are regular readers of this forum so no doubt they will be on the phone to you to advice you that we are all unbelivers and theirs is the one true voice. Have a bucket of salt handy as you will need take everything they say with a pinch. Also salt is really useful for killing slugs

Link to post
Share on other sites

hi everyone i just want to thank you all for the wonderful advice you have given me i will write that letter out tomorrow and send them a postal order do i send it to the address at the top of their letter i think their offices are in twickenham ?

 

their clients name is capquest debt recovery ltd

also because i took the catalougue out in 1996 is this a dead debt ?

Link to post
Share on other sites

hi everyone i just want to thank you all for the wonderful advice you have given me i will write that letter out tomorrow and send them a postal order do i send it to the address at the top of their letter i think their offices are in twickenham ?Send the CCA to their registered Office which should be on their scarey letters. Ruthless are demanding the moneyu its up to them to prove you owe it and they have the right to claim it.

 

their clients name is capquest debt recovery ltd

also because i took the catalougue out in 1996 is this a dead debt ?

Its only statute barred if you have not made a payment or acknowledged the debt in writing within the last six years

Link to post
Share on other sites

send the CCA to littlewoods and to Ruthbridge.

 

recorded delivery, dont sign your "real" signature, put a squiggle in.

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

Link to post
Share on other sites

they have 12 working days in which to provide you with the CCA if they dont they then default, which means you can legally stop payment, after the 12 working days are up, its takes a further 1 calender month before they commit a summary criminal offence, after that time, if they produce the agreement, they must go to court to get it enforced.

 

So basically wait until the 12 working days are up, come back and tell us and then start your countdown to the 1 calender month is up.

 

of course if they write back to you in the meantime let us know :-D

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

Link to post
Share on other sites

:) thanks kenny your a great help to me plus everybody else whi's helping me i don't know what i would do without you !!!!!!!!!!!!!!!

Thats what CAG is all about - JUSTICE for the ordinary person against the Bully Boys

Link to post
Share on other sites

hi guys please help im really panicking now i sent of the cca letter on sat registered post well derek maxwell has just rang me he told me who he was and i said i could'nt talk and put the phone down.............

he tried ringing me back 2 times and i didn't answer so he left a recorded message to say.......... i changed my address without letting them know....... all the calls are being recorded i acknoledged the debt over the phone he is now going to issue bankrupcy proceddings to me and i will have to go to court and he is going to put it in writing and he is not going to speak to me anymore only through my solicitor please help !!!!!!!!!!! im crapping myself

Link to post
Share on other sites

scare tactics, dont rise to them, its to scare you into paying money!

 

when he phones again and he will get his name, and an address and a fax number

 

simply write him a letter stating

 

 

"i have made a legal request of your company and as of yet you have failed to respond, please be aware that if this matter was to go to court the court would not issue any judgement unless and until my legal request was satisfied".

 

i think thats about right but you may have to check with someone else.

 

PriorityOne?

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

Link to post
Share on other sites

hi kenny thanks for replying so quickly hun..........

do i fax this over to him or do i write him a letter and post it?????????

i have noted the time he rang me and i have kept the message on my phone i have just listened to it again and he sounded really horrible

Link to post
Share on other sites

A phone conversation DOESN'T count as legal acknowledgement.

It must be in writing or by payment.

This guy is definantly fishing.

 

I have to disagree kenny, I'd wait and see what they have before taking any other action.

 

Let him think he has the upper hand, as without a signed, executed credit agreement he has SQUAT !!!

 

Also when he calls again let him know that YOU are recording the call as well. Play them at their own game ;)

Be VERY careful whose advice you listen too

Link to post
Share on other sites

keep the recording - you may need it.

 

Fax it to him straight away! keep the printed header sheet.

 

just advise him that while he has not responded to your CCA request the company is NOT permitted to take any further actions until they comply!

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

Link to post
Share on other sites

like i said, its just scare tactics to get you to Pay, we have all had them! its just unfortunate that some people cave.

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

Link to post
Share on other sites

hi kenny ive just posted but i cant see it on the computer do i write him that letter or do i fax it?????????? also i know he hasn't replied to my letter in writing but he has telephoned me i have logged the time down and i have kept it on my phone he is such a horrible man he sounded really scary !!!!!!!!!!!!!!!!!!!!

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...