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    • ae - i have no funds to appoint lawyers.   My point about most caggers getting lost is simply due to so many layers of legal issues that is bound to confuse.  
    • Lenders have a legal obligation to sell the property for the best price they can get. If they feel the offer is low they won't sell it, because it's likely the borrower will say the same.   Yes.  But every interested buyer was offering within a range - based on local market sales evidence.  Shelter site says a lender is not allowed to wait for the market to improve. Why serve a dilapidations notice? If it's in the terms of the lease to maintain the property to a good standard, then serve an S146 notice instead as it's a clear breach of the lease.   The dilapidations notice was a legal first step.  Freeholders have to give time to leaseholders to remedy.  Lender lawyers advised the property was going to be sold and the new buyer would undertake the work.  Their missive came shortly before contracts were given to buyer.  The buyer lawyer and freehold lawyers were then in contact.  The issue of dilapidations remedy was discussed..  But then lender reneged.  There was a few months where neither I nor freeholders were sure what was going on.  Then suddenly demolition works started.   Before one issues a s146 one has to issue a LBA.  That is eventually what happened. ...legal battle took 3y to resolve. Again, order them to revert it as they didn't have permission to do the works, or else serve an S146 notice for breach of the lease   A s146 was served.  It took 3y but the parties came to a settlement.   (They couldn't revert as they had ripped out irreplaceable historical features). The lease has already been extended once so they have no right to another extension. It seems pretty easy to just get the lawyer to say no and stick by those terms as the law is on your side there.  That's not the case   One can ask for another extension.  In this instance the freeholders eventually agreed with a proviso for the receiver not to serve another. You wouldn't vary a lease through a lease extension.  Correct.  But receiver lawyer was an idiot.   He made so many errors.  No idea why the receiver instructed him?  He used to work for lender lawyers. I belatedly discovered he was sacked for dishonesty and fined a huge sum by the sra  (though kept his licence).  He eventually joined another firm and the receiver bizarrely chose him to handle the extension.  Again he messed up - which is why the matter still hasn't been properly concluded.   In reality, its quite clear the lender/ receiver were just trying to overwhelm me with work (and costs) due to so many legal  issues.  Also they tried to twist things (as lawyers sometimes do).  They tried to create a situation where the freeholders would get a wasted costs order - the intent was to bankrupt the freeholders so they could grab the fh that way.   That didn't happen.  They are still trying though.  They owe the freeholders legal costs (s60) and are refusing to pay.  They are trying to get the freeholders to refer the matter to the tribunal - simply to incur more costs (the freeholders don't want and cant's afford to incur)  Enfranchisement isn't something that can be "voided", it's in the Leasehold Reform Act 1967 that leaseholders have the right to.... The property does not qualify under 67 Act.  Their notice was invalid and voided. B petition was struck out. So this is dealt with then.  That action was dealt with yes.   But they then issued a new claim out of a different random court - which I'm still dealing with alone.  This is where I have issues with my old lawyer. He failed to read important legal docs  (which I kept emailing and asking if he was dealing with) and  also didn't deal with something crucial I pointed out.  This lawyer had the lender in a corner and he did not act. Evidence shows lender and receiver strategy had been ....  Redact and scan said evidence up for others to look at?   I could.  But the evidence is clear cut.  Receiver email to lender and lender lawyer: "our strategy for many months  has been for ceo to get the property".  A lender is not allowed to influence the receivership.   They clearly were.  And the law firm were complicit.  The same firm representing the lender and the ceo in his personal capacity - conflict of interest?   I  also have evidence of the lender trying to pay a buyer to walk.  I was never supposed to know about this.  But I was given copies of messages from the receiver "I need to see you face to face, these things are best not put in writing".  No need to divulge all here.  But in hindsight it's clear the lender/ receiver tried - via 2 meetings - to get rid of this buyer (pay large £s) to clear the path for the ceo.   One thing I need to clarify - if a receiver tells a lender to do - or not to do - something should the lender comply? 
    • Why ask for advice if you think it's too complex for the forum members to understand? You'd be better engaging a lawyer. Make sure he has understood all the implications. Stick with his advice. If it doesn't conform to your preconceived opinion then pause and consider whether maybe he's right.
    • The Barclay Card conditions is complete. There was only 3 pages. This had old address on. Full CCA. 15 pages. The only personal info is my name and address. Current Address The rest just like a generic document.  Barclays CCA 260424.pdf
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      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.

      Frankly I don't think that is any accident.

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Surrey Police Complaints - Against you, doing nothing...


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We all know the police rarely care when there's a crime, let’s not kid ourselves about the UK “Justice” System is closer to a spoof, they’ll do anything to not bother reporting it and if it does get reported they just want to close it as quickly as possible with any excuse. British police and investigators are world renowned for incompetence. But the way this WPC has treated me when trying to raise a crime has really upset me and I'd be grateful for people's opinions on this. To simply be mocked, ridiculed and discriminated against by the force I pay to protect me, seem to have intentions or lack of to the contrary. The biggest excuse Surrey Police do for work is handing out speeding tickets and a quiet stroll down the nice part of town.

I called Surrey Police. I explained that I realise this is a civil matter, but there’s also a criminal aspect of this ongoing fraud and theft that needs to be investigated, with the full evidence I have of the criminal activity, and I've been advised to report this to the police as I have a complaint with the Financial Services Authority...

HER: "You have a complaint with the....?"

ME: "The Financial Services Authority, the FSA."

HER: "The Financial.........?

ME: "The Financial Services Authority, FSA. They're the regulators over financial products and transactions."

HER: "The Financial Serrr..... what?"

ME: "The Financial. Services. Authority. The F...........S............A."

I went into detail about the story and what had happened and the evidence and current state of affairs with the legal case. I’m also dealing with the Office of Fair Trading.

HER: Have you got any proof?

ME: Yes, I have all the evidence, all the paperwork that has been forged showing the fraud taking place, I’ve done all the work for you.

HER: Just sounds a bit like, someone’s got more to lose by this.

If only more crimes could have this kind of forethought!

ME: Financial motive... personal vendetta... it’s entirely true.

HER: I couldn’t care less who’s telling the truth.

At this point she began asking me for personal details, I assumed this was simply a procedure as part of reporting, the truth of the reason behind it was yet to come.

HER: "Well........................

[Condescending, thinking hard for an excuse]......................... banks have their own fraud reporting so it's not something we could possibly do."

Indeed, fraud is not listed on the published crime statistics so as far as they’re concerned it doesn’t matter. Conveniently, it’s too much work for them, British police have a LONG record of incompetence when it comes to dealing with fraud. So they just stick half the force on a roundabout and hand out speeding tickets (to us the *real* criminal menace to society) and call it they’re focusing on drugs and theft/burglaries/shoplifting. Coincidentally, the response from them on any of these crimes when they occur is;

“Can you prove who it was? Neither can we.” Really, just by not reporting it that’s how they lower their crime statistics.

ME: "I'm perfectly aware banks have their own fraud departments for dealing with fraud against customer's accounts such as a stolen credit card or access to a bank account...”

If they couldn’t care any less before!

ME: (cont)”...But as I’ve explained that is not the case here. This is a serious fraud perpetrated by individuals in a financial institution with criminal fraud and malicious intent. Thoroughly and fully evidenced in complete records.

HER: The police are just for keeping the peace, they don't really get involved.

Despite the full evidence I have of being defrauded, stolen from, forged, harrassed, and abused for months. It's not enough that criminal investigations into similar much lesser crimes have taken place by the police before, why is it my case is not taken seriously and others of the same situation are?

HER: We won't touch it with a barge poll. You'll have to get a solicitor.

I have, as I explained my current proceedings as a civil case and with the FSA, it’s been decided that this needs to be reported, and a criminal investigation undertaken, similar to various other cases they have investigated. Why is this brushed under the carpet? Were the cases I am referring to where police action has been taken simply for show in the media, or were they more inclined by someone with connections? I have to reference a time about six months prior where CID and uniform police contacted me in relation to their investigation into a £35 mail order item that had gone missing from someone’s doorstep at a nearby address. Twice in under 24 hours they turned up, “I’ve investigated a 2 quid shoplifting”, stated one of them proudly, and arrested someone for littering - what a fantastic and comforting use of resources when the important things are so taken care of.

Why when that was such a significantly less amount and this was a significantly more serious crime with more evidence I was being discriminated against? Why have other similar serious frauds been investigated, but this even more distressing incident meets abrasive, argumentative deaf ears?

She continued taking personal details from me, from my race, nationality, to name, address, without any explanation of why or warning what these details would be used for and under no consent. Only sometime after, did I discover that these details were being gathered from and stored without any of our consent to be used on a database to store us along with details of suspects, arrests and previous convictions to later use against us as a possible future suspect. So not only do we pay for them to do nothing and swan around in their incompetence to cost us our basic right to protection against criminality, we may also provide ourselves a future scapegoat for them when they can’t find their man and need someone to pin it on.

She then proceeded to ask for my date of birth. I said "...1988"

HER: "Yyyyyyyyyyyyyyyeeeeeeeeeeeeeeaaaaaaaaaaahhhhhhhhhhhhhhpppppp"

In the longest and most condescending sound I had ever heard she then started discriminating against my age. I’ve heard police discriminate against age, size, race (white of course, who’d dare challenge black people in this country), even fitness. But that was all she needed to insult, discriminate and enter me into the list of suspects without my consent so now she wanted to get back to her magazine. Though at the time I thought the questions would give me some report of this incident for at least myself to pursue.

HER: (Ironically) Is that all, ‘cause there’s other crimes to report...

ME: Do I have a reference for this or a crime number?

HER: (dismissive) “No, I haven’t bothered to report it.”

I have my own successful businesses, I'm not someone to be discriminated against just because I'm not a lazy PC. UK police seem to regularly discriminate against people for all kinds of reasons more than anyone else. It's not enough that they're paid to do NOTHING, but they have to insult you about it. I find next out why perhaps they don't care - they're not really accountable.

I looked into making a complaint and the Independent Police Complaints Commission. To discover that this is informally known as the "Unindependent Police Complaints Commission”. In this person's own words that the police "don't really do anything".

While the IPCC may not be the route to take what steps could I take, I find this truly disgusting. You get good and bad people at their job everywhere I know, but this is not a one off by far, when I've reported something in the past to get a crime number for the insurance only after they've been perfectly clear that they will not do anything about it have they given a crime number. There is simply no balance to the system, and no accountability to individual police so they run amok making it a complete laughing stock that the public have no faith in. One crime may be fully investigated, while an identical if not more severe goes unreported based on the attitude of the PC. Are we discriminated on connections, age, the weather?

Why police are sometimes referred to as professionals is beyond me, they barely have a basic understanding of the law and there is rarely anything professional in their manner. They serve about as much use to society as a bottom feeder Debt Collection Agency, nothing but revenue collectors. If there were any justice, they would all be charged with wasting police time.

 

I’ll advise all of you that you don’t have to and are under no obligation to provide any of your details to be used as a future “suspect list”, although they will attempt to coax your information without your consent. She was so dismissive and quick she avoided disclosing her name and number and with no reference for this, I’d like to pursue this further. Can anybody advise on how really to get the police to do something for once that holds some balance of justice if there is such a thing left in this country? It's just not right that they can oppress people for their own laziness and lack of interest in what should be a civilised society, what action could I take against the police in this instance so that someone may be heard? What other complaint routes exists?

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  • 2 weeks later...

We were recently diasppointed with the police response to a violent assualt. After being ignored a few times and nothing happening my husband went to the station and said he wanted to make a complaint. It was then taken up by an inspector and everything then happened so fast - it ended up in court and the teenage hooligans ended up with sentences, and found guilty against their not guilty pleas. Their parents also had to pay the fines. Go along to the station, print off the above and make a complaint.

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  • 2 years later...

Wiltshire police attended a blatant drug dealers property between 12 and fifteen times who had been reported by numerous neighbours and stood on the doorstep of the property directly next door and announced they were going to get a warrant to get in there with the drug dealers windows wide open and him standing there listening to it all.before they executed a warrant after ten to fifteen visits what a surprise numerous cars came and removed bags of stuff before the raid and have not visited the property again as they knew the police was going to raid them, so clearly before the raid took place the drug dealer had ample warning in advance from the ten to fifteen visits by the police and the officer announcing outside they were going to raid. the police by their conduct compromised the effectiveness of the raid and their incompetency astounds me, the police have now been banging on the front windows for the last 3 weeks late at night and then leave the half staffordshire terrier half pit bull dog howling and barking for several hours after they leave, they have visited between 10pm and midnight 4times weekly since the raid and life is absolute hell since january and the police couldnt even secure any evidence because they fore warned the drug dealer with their conduct that he was going to be raided. police woman i spoke to was highly dismissive and defensive and evade giving me thename of a senior ranking officer to complain to when i told the police what they had done and that the raid was useless because of their incompetency and the notifying the dealer he was going to be raided by attending the property a ridiculous amount of times and standing outside the property announcing to me they were going to raid them. He has threatened several dog walkers that his dog will kill theirs , it has been six months of living hell with all night parties banging music dog barking all night drug dealing all hours of day and night and now police because of their incompetency and sheer stupidty and negligence are visiting late at night and then leaving the dog howling to the early hours of the morning. no wonder people have no faith in the police . the sheer incompetency they are culpable of is utterly unbelievable.

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Sickofinjustice

 

Not defending the Police here as they may just be incompetent.

 

What we don't know from this case, is what actions the Police took to find out about the drug supply chain. Perhaps the Police never found enough drugs to prosecute for a serious enough offence. Perhaps the Police were trying get this person to act as an informant on who was supplying the drugs to them. Most of these drug dealers are at the bottom end of the supply chain and they may also have a habit. Further up the chain will be criminals who are into very serious crime, with drugs only part of it. Local to where I live, there was a small garden centre which was found to be growing canabis on a large scale and they were being forced into it, with threats of violence.

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Complain to the SI. if nothing happens then the Ipc.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

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the point is that the police officer stood outside the property next door to the address to be raided who had all their windows open so is less than two steps from my door with the dealer inside listening to the police saying they were getting a warrant and will raid them the dealer was inside listening through the wide open windows so your comment is not addressing that at all or the fact the police gave the dealer advance warning to remove evidence that would secure a conviction and endangered my safety in the process. so in this case the steps they took to establish chain of drugs makes no difference to the advance notice they gave the deaer of the raid.

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  • 6 months later...

Hi there, I just read your thread. Did you get anywhere with the police investigating the fraud for you, or find anyone else to look into the matter for you?

I ask as the same thinghappened to me, and I am still hoping to get my situation dealt with. How have you left yours now?

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