I have an unsecured payday loan on which I have been unable to keep up repayments. The first missed payment was at the end of September, subsequently missing payments at the end of October and November. Received an email last week stating that: Pursuant to the Loan Agreement that you signed and the Terms & Conditions thereof, you are in default of the above referenced loan AND have failed to take corrective action as detailed in the Default Notice sent to you at least 15 days ago. We hereby exercise our contractual right of Acceleration. This means that: - Your entire loan amount of principal, accrued interest and fees of £xxxx is now due. - We may notify the Credit Reporting Agency of your default on this loan. - We may sell your debt to a third-party debt purchaser who may exercise any rights available under the law in collecting the amount owed. - Interest will not accrue from this point forward. Now as I remember, ICO guidelines state accounts shouldn't be filed as in default until the account is 3 payments behind. I am now three paments behind but the default notice was sent prior to missing the third payment. Am I correct to think they have failed to follow the requirements regarding default notices? If so, as they have terminated the account, am I correct in my belief I am now only due them the arrears, and not the full balance?

Hello I have a friend who on ESA for a severe alcohol problem and mental health issues. He needs help with a Submission Document for the tribunal. He visited Citizens Advise who was not much help. He needs help in getting a good submission document together and help with his esa85 form plus what additional evidence is needed to support for the tribunal. He has being on here before but he upset some folk which he is sorry about. I am concerned about his wellbeing at the moment as this tribunal is looming. Any advice would be most welcome

Given my circumstances I am not even sure if this can be considered an eviction but I'll try anyway. I share a room with three other gents in a guest house (please don't laugh). I have paid weekly for over a year. All was fine until a couple of months ago when some of the staff took the liberty of spreading rumours about me and being disrespectful and I had a couple of minor issues, which weren't my fault (see my prev posts). To cut the story short last month the landlord put a guy in our room that looked a bit worse for wear. We got very suspicious and we discovered that he suffered from a major communicable disease in the past. I and another roommate confronted the chap and he admitted that he had the illness but the was ok now and would be ready to get tested to prove that to us. We waited some reasonable time but he came up with evident lies. The other roommate freaked out and decided to speak to the manager (I was against it, I would have involved the HPA or the NHS instead) and asked him to force the sick man to get tested or otherwise to have him evicted. At first the manager of the guest house was sympathetic with us and told us he would get rid of the guy in 24 hours. Then he changed his mind and granted the sick man another week but has now evicted my roommate with the motivation that by complaining he has brought the guest house into disrepute. I was unofficially told that I am also on the list of the unwanted and I would have to go. Let me make it clear that I myself have never asked for the eviction of the sick man without having more details in hand and have behaved in a humane and respectful way. I think the intention of the manager is to get rid of us and cover his mismanagement of the issue. I am pretty resigned to the idea that I'll have to go and I am angry because I feel that I and my roommate are victims: we could well be infected as a result of negligence and we will be evicted. I just would like to have your opinion on this issue, if there is anything I can do to avoid my eviction: failing that how can I prove I have acted in good faith and the landlord has inflicted us a hard punishment. Thank you