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    • You can't, but you can (and really should) bring up the point that the lender isn't meeting their legal obligations in selling the property for fair market value. You'll have to do this in court, though.     A receiver is bought in by the lender, not you. If they're a registered insolvency practitioner, you may be able to raise a complaint to the insolvency service but there are no guarantees here. Many receivers are also registered with the RICS and self-regulate so if you know the name of the receiver you can check there, again no guarantees.   https://www.rics.org/surveyor-careers/career-development/accreditations/registered-property-receivership-scheme
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    • Lolerz - I don't understand you.  Rebuked you?   No. I simply replied to your orange comments with legal facts as I know them.  I've already worked through the s42 and s146 issues - over the last 3-4y - and these issues are (mostly) resolved legally.  In terms of posting evidence.  Sure I can post some.  But my most recent questions have been a) how can I enforce a sale before trial?  And b) how can I make a complaint and/or a claim v receiver? (E.g. to which body do I complain?).  At the mo I'm asking for some helpful pointers on those specific questions??  I'm not asking for help with how to prove or present evidence. Fwiw - all evidence for trial has been disclosed (although additions are poss). The lender sent me like 10,000 emails and docs.  There's also 000s of emails, docs, photos, videos, recordings and texts that relate to freeholders/ me.   I read, filed and categorised everything for ease of future reference.  Witness statements and evidence were prepared for trial in the 42 and 146 matters. (now joined with current claim to save duplication).  I've lived the process before.  My current statement and linked evidence has taken like 6 months to draft/ write - to ensure I can succinctly prove my defence and counterclaim points.   Whether I can convince a judge at trial w/o lawyer / barrister is debatable 🙄   But I've prepared.  And continue to try better prepare - which is why I visit this site (and clinics).  This is NOT my business or expertise at all.  I'm just trying.  Not that anyone should ever have to justify why they need help if they ask politely! 
    • Thanks for the other info will also take a look at that.
    • It doesn't use the word reconstructed in the cover letter.  Although, I have just noticed on the cover letter they have asked me to complete a financial statement and offer a repayment within the next 10 days, or they will continue to follow court directions.  They sent a separate letter on the same day advising me they will be continuing with their claim ?  They have done the same for both claims.  Is it worth just doing that - doing the financial breakdown and offering a x amount.    
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PO Box 114, E1 8HL Any Idea who this is?


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I have just returned home to find an envelope behind the door addressed to my old married name from some 8 years ago (not been used since 2001, when divorced). I have not opened the envelope but it does have a return address as PO Box No 114, London E1 8HL I wondered if anyone had any idea what this address is? Any help would be gratefully received. I am going to write on the envelope "Not Known at this address, return to sender".. and put it back in the post.

 

I did have a problem with old debts from my previous husband but thought they had all been sorted now, it looks like this could either be another one or one trying again because they cannot get anything out of my ex.

 

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Do you think i would be better to just send this back with not known at this address on it or would you open it? I am just bothered that if i dont send it back they will take that as meaning they have made contact and will continue, and once i have opened the letter then i cant un-open it, if you know what i mean...... I know that the RBS did chase my ex for a debt and then came after myself, I actually lost my prevous job of 10 yrs because the RBS put the debt with Turnbul Rutherford's who issued a summons to me via my work address and my previous employer was furious and sacked me..... This is relating to debts from 2001 I am thinking as I have never banked with RBS since my split with my ex and that was in 2001....... so surely whatever they are chasing after now would be expired as its longer than 6 years ago - or will they call the summons etc that they issued a couple of years back, as keeping the debt current. Turnbull Rutherford actually withdrew the summons and action from the Court because they had not lodged it correctly, you cannot lodge a domestic debt against a company address or company name (which is what they did)..... any help would be appreciated....

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If there has been no acknowledgement of the debt or payment on it, then after six years, (I think that the period is shorter in Scotland), it becomes statute-barred.

This means that althought the debt is still owed, they cannot chase you for it once you've informed them that it is statute-barred and you will not be paying it.

 

Regards, Rooster.

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  • 2 years later...
If there has been no acknowledgement of the debt or payment on it, then after six years, (I think that the period is shorter in Scotland), it becomes statute-barred.

This means that althought the debt is still owed, they cannot chase you for it once you've informed them that it is statute-barred and you will not be paying it.

 

Regards, Rooster.

 

Five years for this type of debt in Scotland.

 

20 years for council tax.

 

10 years for a decree.

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