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    • a CCJ does not 'expire' thus does not need any application to a court to 'extend it'. if a CCJ has not been enforced within 6yrs, then it is very unlikely any court would grant such should the claimant return to court, of which the defendant would be advised -( unless they have moved and not informed the court & the claimant such) .  
    • I contacted them when it happened. The caretaker came over, looked at it, and walked off with the tree chunks of mortar. Next morning, they had a roofer come over and enter our garden to inspect it. Friday they were supposed to speak with a scaffolding company. I had to bring up liability and potentially calling the council to report 'an unsafe structure' before they even got moving. They know all about the wedding, the preparations, our patio contractors etc. but their attitude doesn't instill me with confidence. My fear is it will end up being a legal matter which is why I posted here to hopefully receive some advice. As far as I can see, the roof is in a state of disrepair, even if it's just the mortar breaking lose due to the size and weight of the chunks - and even from ground level it's visibly clear that multiple pieces have fallen over time (though never this size so we haven't been able to identify the issue till now - we thought it was rubble left in the garden by the previous owner). Currently, we can't use 25% of our garden due to the risk of more falling mortar which is more than just an inconvenience, we can't proceed with our contractors, and at worst, it will run up in several thousand of extra expenses for us, if we have to find a wedding venue. Even if they do have it fixed in time, and we have to settle for renting a marquee and floor for the marquee and furniture and whatnot it will be additional costs only due to the neighbour's roof.
    • It will be years before Banks would sell to a debt buyer.  Sometimes Banks will use external debt collectors to try to collect, but generally Banks don't take Court action.  So you could be looking at 3 to 6 years, before any dca owning debt looks to take any Court action. And it is not definite that this would happen. So no need to feel pressured at this stage. In the event you found yourself unemployed, you have time to engage with Banks to advise of your situation and ask for time to deal with the situation, find new employment. As long as you inform the Banks they will offer assistance they can. E.g offer payment holiday or accept reduced payment for period. What you should not do, is not contact the Banks and simply default on payments. 
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Mymaterob V Mbna


phatram
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I am helping a mate who hasn't got a pc to claim against MBNA.

He owes them £5000+ and the debt has been handed to a BRYAN CARTER solicitors who he pays x amount to every week.

The debt was only £1500 originally but with interest and charges has grown to over 5k !!

He rang Carters today to ask for his MBNA account number and they say they don't know it. He cannot find anything from MBNA with his credit card number on , so we were thinking what to do next.

Any advice please.

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Personally I would just SAR MBNA, they can find the account number, send proof of ID (copy of driving licence) £10 and send it recorded... oh and if his address has changed something with the old address on it too..

I won against MBNA, Nat West , Barclays, Barclaycard and PPI payments from Barclaycard

Abbey National still to go.... what will I do with my spare time?

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Mbna have returned I.D etc and stated that Rob doesn't have or has ever had any accounts with them !!

Carters say it was a MNBA card but refuse to give him any further details.

What should we do now ?

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I would send carter a request undre s78(1) of the Consumer Credit Act 1974 asking for a copy of the executed agreement for the account and a statement of account. REmind them they have 12 days in which to comply.

 

They should pass the request on to the original creditor.

 

It is in Carter's interest to pass the request to the right creditor. If they have got it wrong they won't be able to prove the debt.

 

 

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My mate Rob has just had Carters on the phone to him stating that he can only get information from Northampton County court, as he has a judgement against him to repay the debt. Carters are saying they do not have to supply him with any information whatsoever, thay have also said they will be sending someone round, ie bayliffs, if he does not pay. Would someone please advise how to help him?

Thanks

Phatram

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Firstly, send them this

Please note that I am only prepared to communicate with you in writing. Should it be your intention to arrange a "doorstep call", please remember that there is only an implied license under English Common Law for certain people to visit me on my property without express permission; the postman and people asking for directions etc (Armstrong v. Sheppard and Short Ltd [1959] 2 Q.B. per Lord Evershed M.R.).

 

Please therefore take note that, I revoke license under English Common Law for you, or your representatives to visit me at my property and if you do so without my permission, you will then be liable to damages for a tort of trespass. You would also be conspiring in a trespass if you sent someone to visit me nevertheless.

What they have said about information is complete tosh. If they are refusing to supply information under the CCA he should make a complaint to the Financial Ombudsman.

 

THis is an interesting situation - Carters are chasing a debt for MBNA who say there isn't one. Carters are refusing to provide information to prove there is a debt to pay - in theory the debt could be anyone's. THe OFT have publioshed guidelines on debt collection (OFT664, July 2003, updated December 2006). I think Carters behaviour violates many of the guidelines:

Communication

2.1 It is unfair to communicate, in whatever form, with consumers in an unclear, inaccurate or misleading manner.

2.2 Examples of unfair practices are as follows: …

 

e. failing to provide debtors or creditors with information on status of debts, for example, not providing requested balance statements when reasonably requested

 

False representation of authority and/or legal position

2.3 Those contacting debtors must not be deceitful by misrepresenting their authority and/or the correct legal position.

2.4 Examples of unfair practices are as follows:

a. falsely implying or claiming authority, for example, claiming to work on instructions from the courts, claiming to be bailiffs or, in Scotland, sheriff officers or messenger-at-arms

b. falsely implying or stating that action can or will be taken when it legally cannot, for example, referring to bankruptcy or sequestration proceedings when the balance is too low to qualify for such proceedings or claiming a right of entry when no court order to this effect has been granted…

 

d. falsely implying or stating that action has been taken when it has not, for example, that civil action has been taken or that a court judgment has already been obtained …

 

f. pursuing third parties for payment when they are not liable

 

Physical/psychological harassment

2.5 Putting pressure on debtors or third parties is considered to be oppressive.

2.6 Examples of unfair practices are as follows: …

 

h. ignoring and/or disregarding claims that debts have been settled or are disputed and continuing to make unjustified demands for payment

 

Deceptive and/or unfair methods

2.7 Dealings with debtors are not to be deceitful and/or unfair.

2.8 Examples of unfair practices are as follows:

a. sending demands for payment to an individual when it is uncertain that they are the debtor in question, for example, threatening debt recovery action to 'the occupier' or sending a payment demand to all people sharing the same name/date of birth as a debtor in the hope that contact with the correct debtor will be made…

 

f. passing on debtor details to debt management companies without the debtors' informed prior consent…

 

i. failing to investigate and/or provide details as appropriate, when a debt is queried or disputed, possibly resulting in debtors being wrongly pursued…

 

k. not ceasing collection activity whilst investigating a reasonably queried or disputed debt

 

Debt collection visits

2.11 Those visiting debtors must not act in an unclear or threatening manner.

2.12 Examples of unfair practices are: …

 

f. visiting or threatening to visit debtors without prior agreement when the debt is deadlocked or disputed

 

 

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