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    • Yes, my initial view is that @unclebulgaria67 is probably right and that because it was a magistrate's warrant, it would be the energy company that would have been in control of the situation directly. Unfortunately this will be much more difficult to deal with then dealing directly with Marston but anyway if you give us your details as requested, we can at least get Outlook from that direction as well. I'm also wondering about the position of your landlord in this. As you have taken up a tenancy in a particular property then I would have thought that one of the terms of the tenancy would be that you should be entitled to quiet enjoyment. Although the landlord may say that it is not their fault and it is down to the previous tenant, at the end of the day you have a contract with the landlord who has certain responsibilities. I think we may consider involving the landlord in this as well. You say that there have been letters addressed to the previous tenant. What have you done with those?
    • Yes please. We have certain direct access to Marston and we may be able to get someone to look at this at a senior level. Please email us as requested with your own contact details and name of previous tenant.   We can't guarantee any particular result but we can promise you that it will be looked at.
    • they say in letter dated 20/01/20 that the agreement was terminated on 30 July 2017 and cannot be terminated twice, so your VT request is invalid. startline issued termination or Default notices on the following dates: letter: 30/03/2017 termination notice  liable for payment: arreaers to date : £365.38 the balance of: £10,586.50 total: £10,951.88 7 days notice else ROG+sums outstanding. ....................... Letter: 11/12/2017 Default Notice nature of breach: instalments of £211.73 due 30th each month. action to remedy: payment of arrears £449.23 by 30-12-17 other info: payments to date: £5226.91 outstanding: £9351.89 less rebate: £2251.41 Amount Due: £7100.48 if you act before 30-12-17 and have paid £7056.90 you can VT. ............ Letter: 27-07-2018 Default Notice refs a dn dated:31/05/2016 - there is no such DN in an SAR return. nature of breach: instalments of £211.73 on 30th each month. action to remedy: payment of arrears £226.73 by 15-08-2018 other info: on or after date 27-07-2018 we shall terminate,withdraw possesion and recoversums due upon termination. total paid: £6250.91 outstanding: £7647.28 less rebate: £1590.47 Amount Due: £6065.81 if you act before 15-08-18 and have paid £7056.90 you can VT. ........................  letter: 01-10-2018 termination notice  liable for payment: arreaers to date : £325.06 the balance of: £6079.75 total: £6404.81 7 days notice else ROG+sums outstanding. ……………………...     NEW ORDER STATEMENTS.pdf Doc1.pdf
    • thank you.   have you had issues paying credit before you took any of these out?   i'e were you keeping a good handle upon your credit file and it wasn't shot with any defaults or payment markers during the period when you applied and were successful in getting any of this additional credit?   my thoughts are ...should the above not be the case and your credit worthiness was good... so couldn't p'haps introduce some irresponsible lending complaints in association to them … it might be an idea to give all your creditors the heads up that times are hard and you wish them to help you, as they are duty bound to do, by freezing interest and any penalty fees to allow you to ride out this present financial hardship till things improve ...   how does that sound...   dx  
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Bigbearuk

Ruthbridge LTD

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Just shows what an imbecile he is. A court is the only body who can send the baliffs in and only then if you have failed to comply with a court ruling re payments. Wake up Maxwell smell the coffee.


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exactly ODC and with all the help from here and reading things people tell you is good advice, plus looking up and reading the CCA and data protection act and the OFT guidelines it makes you more on the ball about your rights, if only people would look at these before buckling under the pressure of ruthless

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no probs bigbear i havent read the cca yet or the other guidelines i will do it tomorrow just waiting for mr maxwell to reply to me he told me today he is issuing bankrupcy proceddings and i will recieve them in the post sometime this week

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no probs bigbear i havent read the cca yet or the other guidelines i will do it tomorrow just waiting for mr maxwell to reply to me he told me today he is issuing bankrupcy proceddings and i will recieve them in the post sometime this week[/quotE]

 

Please post the letter on here. Just how much did you say the ALLEGED debt was for


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soory ocd im a bit confused its getting late ha ha the debt was for 2544.66

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Was just checking as I didnt want to trawl through all your thread cheers


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12 + 2 days have gone, do i now wait for the other 30 days or should i be doing other things? i have spoken to OFT and TS about the phone harassment and guess what it's stopped :)

 

Sent letters to Cabot as yet no reply and the same with the original lender

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If all has gone quiet BigBear I think I would wait for the further 30 days - what a long wait!!! From other postings I have read on here it seems that if companies do have the agreement you will receive it very quickly, so that sounds quite hopeful for you. ;) I have just sent a letter to one of my CCA lot who have completely ignored my letter and I have just discovered they have applied the £1 to my account - idiots. They are threatening to issue a default notice before the 30 days is up so I have sent them an amended version of the first three paragraphs of the 'no CCA letter' to remind them of their responsibilities. Another one has sent me copies of all my statements but no agreement!!! Makes me wonder if they see it is 'another one of those bloody CAG letters' and don't even bother to read it.


BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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If all has gone quiet BigBear I think I would wait for the further 30 days - what a long wait!!! From other postings I have read on here it seems that if companies do have the agreement you will receive it very quickly, so that sounds quite hopeful for you. ;) I have just sent a letter to one of my CCA lot who have completely ignored my letter and I have just discovered they have applied the £1 to my account - idiots. They are threatening to issue a default notice before the 30 days is up so I have sent them an amended version of the first three paragraphs of the 'no CCA letter' to remind them of their responsibilities. Another one has sent me copies of all my statements but no agreement!!! Makes me wonder if they see it is 'another one of those bloody CAG letters' and don't even bother to read it.

 

What I've started doing at the end of these letters/cca requests, is asking for a copy of their complaints procedure - with the intention of taking complaints further. hey must send you those said procedures, and it'll tell you if they're reading the requests/letters you send them :D


Just hate every DCA out there

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Cabot's own complaints procedure says... oh bollix I can't be bothered.

 

Here, I copied their procedure into my thread in THIS POST.

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Hi goldlady

 

Ruthbridge have done the same to me just taken the money i sent them of the total

 

I sent the letter you did for me earlier in the tread seahorse so maybe they thought ohhhhhhh no not another one done by him :D

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Hi,

 

 

Subscribing!

 

Keep up the fight! Ruthbridge are just a bunch of school bullies that work at the a**e end of this delightful industry! Full of people who can't even get a Mcjob! (No insult intended to anybody working in the fast food industry!)

 

Everything they tell you is basically a load of c**p! I guess you now realise this!

 

Anyway, good luck!

 

 

Jeff.

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I thought that would make you laugh seahorse :D

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Who cares what they spent the quid on. You made a legal request, sent the appropriate fee so the problem is theirs not yours Tick tick tick


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the same happened to me as well what are these ploners playing at

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Manf if you look at post 7 on this thread you will see a letter i sent ruthbridge about harassment. I have not heard from them by phone or post since. (I have just been reading your thread)

 

Keep smiling - you will defeat them:D


BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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oh i got another nice letter today from an express delivery company asking me to contact them (not all the time i have a hole in my a**e) regarding a delivery shame they are at the same address as ruthbridge i thought someone had bought me something nice :)

 

Come on ruthbridge how smart is that to send a letter just to the occupier but have the same address as your company on the bottom of the letter :D

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Ring the number from a callbox, tell them your name is Derek Maxwell and you are enquiring about a parcel they have for you.It should be worth a laugh

 

As for the dopey card pass it to Trading Standards its illegal

  • Haha 1

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hahaha - love the Derek Maxwell idea - maybe we should send him a parcel?


BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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hahahaha - yer got any good ideas goldlady?

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Ring the number from a callbox, tell them your name is Derek Maxwell and you are enquiring about a parcel they have for you.It should be worth a laugh

 

As for the dopey card pass it to Trading Standards its illegal

 

 

ODC - what an excellent idea!

 

Sorry BigBear - "Quietly" subscribing to this thread (having been following this thread on my lunchbreaks at work lol) - hope u take up this suggestion from ODC - it should be fun :D

 

Bo x

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I have had several ideas of what to send but if they read these threads it would spoil the surprise. My friend's nasty ex had a visit from some funeral directors who said he had called them to order a coffin:).


BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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hi all.

 

Nice to see you are all still in such high spirits. i have been off line for ages been nursing a sick hubby again (at least he seems to like the nurses outfit).

 

Think ODC is right about the school hols though all has been quiet from the school bullies. Oh and today was d day 12 + 2 + calander month and guss what the postie brought me today?? thats right nothing!!

 

Nice to see there are some new power rangers on board too.

 

Keep up the good work all, hopefully i will be back on line properly v soon missing my daily cag. think i have become an addict!!:)

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