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dx100uk

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dx100uk last won the day on September 6 2023

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  1. as that site states... Your tenancy agreement is the contract you sign when you move in. It should say how much warning you need to give your landlord.
  2. i think you need too now, thats as clear as mud! throw the morality card out the window...
  3. How to end your tenancy - Shelter Scotland SCOTLAND.SHELTER.ORG.UK To end your tenancy, you must give your landlord enough notice in writing. Work out how much notice you should give and use this letter template to...
  4. no unless you've already agreed it to email? whats this all about please whats the debt then we can advise better. dx
  5. really so they've no idea what they are actually litigating over..typical nolans rubbish and they've not listed the documents they hold either.. thats interesting. forms would be wonderful that would be nice just the claim form please containing the above details you typed out thank you were these online sign ups? do you remember or paperwork you got then signed and returned? if i were to be honest, unless there are issues with the agreements being enforceable which for 2016/7 is somewhat doubtful, it might be worthy to consider filling out the Time Order Part you got, we could get them to jump through the CCA request hoop by sending cabot a cca request for each tomorrow but as you dont know the account numbers and you might well be denying the debts totally in court it MUST go to cabot. so look u the card numbers in your records and get 2 cca request s ff to cabot tomorrow ok? let me knw your thoughs and the bits that need answering above and we'll decide what to do by the 25th. lots of ordinary cause claims here to read use our enhanced googe searchbox ordinary cause there are quite a few wins too
  6. moved to the moneybarn forum, lots for you to read here. 1st thing is do not give the car to engage if they turn up! they have zero legal powers and are not bailiffs.. 2nd get a letter of to moneybarn TODAY (and everyone regarding any other credit listed on your credit files too! you dont want backdoor ccj's - never run from debt - ps this also goes for the dvla who need to be informed about the moved individually for EACH driving licence and Car ). now back to your situation, too be perfectly honest here, if your credit was that bad with lots of defaults late payments and or judgements from other lenders, moneybarn should not have accepted you, thats called irresponsible lending and can be very bad for moneybarn if such a claim were to be true and raised against them. i would expect, to comply with the law and the regulations contained in the consumer credit act 1994, which your HP agreement (not a contract) is gov'ned by, they must have sent you a default notice under sec 87, but that ofcourse went to your old address. but we'll assume they did, they don't usually forget doing that. Once a DN has been issued and now today i will assume a termination notice , they will pass this over to one of many to try and snatch the car or con you into giving it over voluntarily locking you into whats called voluntary surrender which gives them the car back to auction and then legally making you liable for all remaining hte remaining money under the agreement regardless to you no longer having the car. now one important thing here is how far you are into the hp agreement, on the back it will state about 1/3rd payment level making the vehicle under the CCA protected goods, so find that figure, tot up your ACTUAL payments and comeback and tell us if you've paid more than i 1/3 or not please. as if the car IS protected goods the repo agent is acting unlawfully (but dont tell him that and if he wants the car - let him have it and moneybarn will lose by voiding the act thus the agreement and you win and you'll get to keep the car and owe nothing more...(so go check that 1/3 level now could be a godsent! as moneybarn often screw up!!) if you've not paid to the 1/3rd mark then ...i hope you have a private driveway at your new home, cause if you have not and you leave it on the public highway, they CAN snatch it , if its on your drive they can't and dont be conned into otherwise, the repo guy has ZERO legal powers, so if he does turn up unannounced and your car is on your private drive, film him with your phone and tell him to leave and never return or you'll call police 101 as legally he cannot touch it without your permission and you are refusing that. there are n o if's or but's , dont get into a protracted debate, he knows the score and should back off. now what can you do, finance wise if you've not protected goods status going forward.... it looks like to me regardless of your promises that i bet if truth be know you cant keep up the payments or moneybarn wont accept your offer to get upto date and re install the agreement. the only way out of that is a time order <<click it and read. ok alot there i'll await your next post ...1/3rd or not and moving letters!! ASAP
  7. you have it in B&W from drydens admitting that the claim was filed to the wrong address, matters not by whom or how it happened. that attached to you N244 will guarantee a set aside. now if you do it for £108 (i think) on the papers only, (no one goes the judge reads yours/their statements) you'd win. it will cost you £275 for a face to face hearing whereby you could be cheeky and seek an award against them too for being such Idiots and making this happen when it could have been done by a consent order in 5 mins almost free of charge to everyone. .
  8. pcn number showing on your appeal letter. and the next page their reply (Now Redacted: Nicky Boy) and BIG OPPSS you've stated you were driving . lost any protection POFA 2012 gave you. next time NEVER EVER appeal! dx
  9. can we dot t's and cross i's on a few things.... in their pleading has the pursuer given the card number for each card and are these 16 digits long? and the 2nd one says HBOS too, at that time i dont think MBNA were anything to do with HBOS, it that a typo upon your behalf? dx
  10. the claim was still issued to the wrong address. it shouldn't matter it was erudio as drydens are just another desk further away from the bog door. this is getting silly. and pers i dont believe them for one minute, they should still revoke the ccj regardless immediately IHMO as they admit an address error however caused it's a unlawful judgement. dx
  11. please complete this bw are not a debt collector nor are they owned by NCP, they are solicitors for hire. byelaws play zero part in the permission or not for ncp to use the DVLA service. do not appeal ever. please scan bothsides of every letter to one multipage pdf after reading upload carefully. dx
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