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    • Hi Can you put post up in PDF redacted your full Tenancy Agreement we need to see it all not just those clause As for the Estate Agency stating your Rent and Deposit is paying for the Redecoration of the property is wrong as this was there and the Landlords responsibility to claim those cost back from the Previous Tenants from either their Rents or Tenancy Deposit therefore the Redecoration cost is the Landlords Problem not not yours nor your Rent or Tenancy Deposit (until end of Tenancy) I would be writing to the Estate Agency asking further to your telephone conversation with XXXXXXXXX  on XX/XX/2025 you require Clarification as it was stated by your employee that I would not receive any rent nor deposit back as compensation as the Landlord was using this to Redecorate the Property. Neither my Rent nor Deposit should be used to Redecorate this Property due to the Previous Tenants as this should have been claimed back from the previous Tenants via either there Rents or Tenancy Deposit. Further to this I collected the keys as agreed on the 5th July 2025 to move into this Property with no mention at all from your Estate Agency that due to all the Redecoration ongoing when I went to that Property on that date I was not able to move into the Property as Agreed in me Agreement. You have then move my moving in date to 11th July 2025 therefore my Rent payments should commence from 11th July 2025 and I require confirmation from PPM Estate Agency and if refuse this full clarification as to why and what Housing Legislation and clauses from my Agreement. DO NOT PHONE and ask this unless you can record the call Send it by email but also follow it up in writing and get free proof of posting from the Post Office
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    • Apologies for my laziness.  I did say I would read through the WS and suggest changes about two months ago ... but got lost in the fun of going on holiday twice. I promise that sleeves will be rolled up in the morning!
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Hi all,

HELP!!!

Had a letter from DG (client HSBC) this morning, its copies of an interim charging order on our property, hearing to be on 7th March.

Its for a business loan taken out in 2007, they basically want £8,472. They say my partner has made repayments of £40 towards this debt..... But weve been paying MCS £40 every month since 2007 towards this debt by standing order, we have written to DG telling them this but heard nothing back??

what shall I do :shock: any help appreciated.

cheers

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Hi jb

 

Yes, in short DGs should have a CCJ against your partner. If the interim CO was granted recently it is possible that the CCJ was obtained when or shortly before the interim CO was obtained. Have you contacted the Court that issued the interim CO to check when judgment was obtained?

 

The notification from the Land Registry is to you as the other party with an interest in the house. I believe your mortgage provider may have also received a notification. Have a look at the sticky on Charging orders in this sub-forum for more information.

 

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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thanks docman, no not been in touch with the court, have had no notification of a CCJ.

Still dont understand why theyve applied for a CO anyway as we are making payments as agreed with them, still have the letter from them accepting our payment plan??

cheers

Jill

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Hi, you are correct, before they can apply for a CO they must first obtain a CCJ against your partner.

 

Did he recieve the court papers. What was the Judgement order ?

 

Because your name is on the deeds, they have to inform you of the charge. The security is only on his share of the equity.

 

But weve been paying MCS £40 every month since 2007 towards this debt by standing order, we have written to DG telling them this but heard nothing back??

 

You won't get a response just by writing. You need to send an official request.

Who are MCS ? Have you been recieving statements ?

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debbsy

 

HSBC will take the full 40 days before responding to a SAR which will be too late. Better to send a letter to DG Solicitors under CPR 31.14 or 31.18. That said, DGs don't respond quickly if it is not in their interest to do so and sometimes need a court order to remind them of their responsibilities. All of which is time consuming ad costly.

 

jb, I suggest that your OH contacts the court on Monday (or better still visits the court to view the court file) to find out what has been going on. But don't hang around. The clock is ticking.

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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they can apply for an interim charging order,this is not the final order and requires a hearing.there must be a ccj and this can be forthwith demanding payment of the amount immediately. they threatened me with one of these some time ago,however if there are any disputes over any of the debt and these are upheld at the court they have to remove the interim charging order.

 

there's a lot about these on the net and the various arguments that can be put forward in defense against them.family circumstances/fairness to other creditors giving preference to one over another.

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HSBClink3.gif will take the full 40 days before responding to a SARlink3.gif

 

I agree. But I do think it is worth doing. If it goes directly to the HSBC data controller. They are obligated to respond. Hopefully sooner than the 40 days.

 

Better to send a letter to DG Solicitors under CPR 31.14 or 31.18.

 

Again, I agree.

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