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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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Natwest CCA response, Help Please


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HI Bo

 

i never bothered in the end. i will wait and see if Triton go to Green Solicitors when they take me to Court.

 

HAK

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HI Bo

 

i never bothered in the end. i will wait and see if Triton go to Green Solicitors when they take me to Court.

 

HAK

 

Hello HAK.

 

Mmmmh its a bit of a boys club, so don't blame you. You need to hit them were it hurts

 

I do hope that when they take you to court, you will enter a defence and a counter claim for unlawful haressment and damages for their terrible breach of the Data Protection Act:p

 

Good luck, keep us posted:D

If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

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  • 2 weeks later...

Well the 30th has passed so i am expecting a summons anytime now.

 

T/S have wrote them a letter reminding them about the perscribed terms and that they are breaking the law after 30 days etc.

 

Just bought a new suite ready for the day:D

 

HAK

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  • 4 weeks later...

Got a letter of Triton saying they are holding ALL legal action on the outcome of FOS.

 

I have invited them to take me to Court and hey still will not do it:D

 

HAK

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  • 2 months later...

Got a call on Thursday from a lady at the FOS.

 

Says she will start on my case next week.

 

This should be fun!!!

 

The word useless comes to mind.

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  • 2 months later...

Just thought I would give you an update on this.

 

FOS caseworker said it was an agreement and there was nothing more they can do.

 

I refered it to the manager who said the same.

 

It is now with the Ombusman to make the final decision. ( I want hold my breath).

 

Basically the FOS said there is proof you owe the money so thats that.

 

To be honest not bothered either way. They are only deciding if they have breached section 78(1) of the act. Bottom line is its totally unenforcable and its cost them £450 for the investigation

 

HAK

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Hi as normal this is FOS adjudication they give an opinion though from my own experience of them the do not seem to take note of the law just industry practice. Though I still say yes it's and agreement but it is improperly executed and therefore irredeemably unenforceable.

 

But there again I don't think I have to tell you that do I HAK

 

dpick

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  • 1 month later...

I got my final decision from the FOS.

 

Basically she said that I have admitted to having the card and spending the money....NO I HAVE NOT

 

Also that it is not the FOS place to judge the law so they do not uphold my complaint.

 

What a waste of time that was. Totally on the banks side and made assumptions with out getting the facts.

 

I ave wrote a letter back telling thm to basically get your fact right and re asses the case.

 

Will not hold my breath!!!!

 

HAK

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I got my final decision from the FOS.

 

Basically she said that I have admitted to having the card and spending the money....NO I HAVE NOT

 

Also that it is not the FOS place to judge the law so they do not uphold my complaint.

 

What a waste of time that was. Totally on the banks side and made assumptions with out getting the facts.

 

I ave wrote a letter back telling thm to basically get your fact right and re asses the case.

 

Will not hold my breath!!!!

 

HAK

 

Hello HAK,

 

After reading a few complaints to the fos, I would not have expected any the less of their investigation.:rolleyes:

 

As they have nicely stated, it is not their place to uphold the law:D

 

Are you still getting threats of court action and who now owns the account

If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

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In the CCA & SIs, does the copy agreement that does not have to be signed refer to the customer's copy that we get to keep, rather than the true copy?

 

I am in the same position. I have had an illegible copy of an application form then a reconstructed agreement with t&cs that differ from the original t&c leaflet that came with it. I got the Miss Bennett letter, then a claim that the application form is the agreement because it has my signature on it.

 

I suggested that them continuing to demand payment based on invalid documents satisfying my s77-79 request was fraudulent because without a valid response they couldn't ask for payment.

 

I think that when I complain to the FOS (for all the good it will do) I will suggest that their manufacture of documents & obviously getting it wrong but refusing to admit it despite the wealth of evidence shows that they cannot be trusted to do so

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When the letters start to flow again I am just gong to invite them take me to Court.

Bottom line is they do not have an agreement with any perscribed term on it so it can not bre enforced...

 

HAK

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Hi,

 

I've had dealings with Triton over last 2 years, don't speak to them they are vile!

 

The debt for 11k triton are dealing with wanted paying in 7 days or 2k a month, i CCA them but they haven't complied, they have now passed it onto green and co solicitors saying i haven't made a reasonable offer and they are likely to take me to court, i like the word likely, but they still haven't complied.

 

Have Natwest complied with your CCA? If it went to court and they haven't complied or have the correct paperwork surely it will get thrown out?

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Hi HAK,

 

No surprises from FOS. They are a complete waste of time and space. The only satisfaction is that they charge the bank £450 a time to conduct their 'investigation'.

 

Onwards & upwards with Miss B and Natwest for a couple of more threatograms from Triton and then the dreaded Green & Co, RBS's in-house 'solicitors'. Horror of horrors!

 

Doc

Arrow Global/MBNA - Discontinued and paid costs

HFO/Morgan Stanley (Barclays) - Discontinued and paid costs

HSBC - Discontinued and paid costs

Nationwide - Ran for cover of stay pending OFT case 3 yrs ago

RBS/Mint - Nothing for 4 yrs after S78 request

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  • 2 months later...

Well been on my hols and have come back to a yellow slip from Allied International Credit demanding full payment.

 

Will send the cheque off tomorrow..NOT

 

Not had dealings with these before has anybdoy else?

 

HAK

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HAK,

 

They were one of the rudest & thickest DCAs I dealt with but went quiet after 3 months.

  • Haha 1

Arrow Global/MBNA - Discontinued and paid costs

HFO/Morgan Stanley (Barclays) - Discontinued and paid costs

HSBC - Discontinued and paid costs

Nationwide - Ran for cover of stay pending OFT case 3 yrs ago

RBS/Mint - Nothing for 4 yrs after S78 request

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  • 5 months later...
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Hell mine from Natwest went Triton, Green and co, Wescot now AIC.

 

At the mo mine is on hold as they think they complied with CCA but i onl got an appliction form, then said i've requested a SAR when i still have the letter of their response and my cheque with their stamp on returned to me.

 

Think i may just invite them to take me to court and see what happens.

 

Mind i've asked the to stop processing my data if they can't produce an enforceable agreement.

 

But doubt it will make any differance.

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  • 7 months later...

Haha

 

They have actual had the bottle and started Court Proceedings on me.

 

I think Regal credit are behind it!!

 

They have started it in my local court and not attached the agreement to the claim. (well application form)

 

Also POC are crap so have asked the Judge to throw it out.

Was going to go for Summary Judgment but as small claims might as well let them waste money in solictiors representing it.

 

Bottom line is no credit agreement, no original copy of the application form they will produce...Happy Days!!!

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Interesting, mine is with Regal now also.

 

Spoke to them today as they were saying they are going to send someone round on a recorded message after i asked them not to contact me by phone.

 

Anyway the girl said she would bar my number and asked why they hadn't produced a CCA, i told her this has been going on 4 years and your about the 4th DCA to have this account so go back and tell Natwest to, well that's as far as i got as she hung up on me??

 

So can they start proceedings on you with no CCA? And if it went ahead could a court go their way with no CCA present??

 

olliepup.

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