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    • I have had a secondary thought.  I borrowed £s from a completely separate entity 6y ago. It was personal and unsecured. I was going to repay upon sale of the property. But then repo and I couldn't.  Eventually they applied and got a charging order on the property.  Their lawyers wrote that if I didn't repay they may apply for an order for sale.  I'm not in control of the sale.  The lender won't agree to an order for sale.  The judge won't expedite it/ extract from trial.  Someone here on cag may or may not suggest I can apply for an order v the receiver?  But could I alternatively ask this separate entity with a c.o to carry out their threat and actually make an application to court for an order for sale v the receiver instead?
    • You left the PCN number showing, but no worries, I've redacted it. Euro Car parks are very well known to us.  I've just skimmed through the titles of the latest 100 cases we have with them (I gave up after 100) and, despite all their bluster and threats, in not one have they taken the Cagger to court. You stayed there for 2 hours &:45 minutes.  I'm guessing the limit is 2 hours and 30 minutes, right?  
    • If the claimant fails to draft directions the court can order a Case Management Hearing to set them but normally in Fast Track claims the claimant sets the directions...Unlike small claims track which are always set the court.
    • Not Evris offer, the court offers mediation service.   All claims proceed to hearing if mediation fails /not happen.   Why do you not wish to attend in person to stand your claim ?     Absolutely you must comply with the courts directions or your claim risks being struck out. Preparation for a hearing should happen irrespective of mediation.   https://www.consumeractiongroup.co.uk/topic/460613-suing-a-parcel-delivery-company-when-you-dont-have-a-direct-contract-with-them-–-third-party-rights-copy-of-judgment-available/#comment-5255007   Andy  
    • LPA.  (I'm fighting insolvency due to all the stuff that he and lender have done).  He appointed estate agents - (changed several times). Disclosure shows he was originally appointed for a specific reason (3m after repo) : using his powers as acting for leaseholder to serve notice on freeholders (to grab fh).  There was interest from 3 potential buyers. He chose one whose offer depended on a positive result of the notice.  Disc also shows he'd taken counsel advice - which was 'he'd fail'.  He'd simultaneously asked to resign as his job (of serving notice) was done and he'd found a buyer.  Lender asked him to stay on to assign notice to the buyer.  Notice failed, buyer didn't buy.  So receiver stayed.  There was 1 buyer who wanted to proceed w/o fh but receiver/ lender wasted 1y trying to get rid of them!  Disc shows why. But I didn't know why at the time. In later months Lender voiced getting rid of receiver. Various reasons - including cost.  But there's a contradiction/ irony: as I've seen an email (of 4y ago) which shows the receiver telling lender not to incur significant costs and to minimize receiver costs.    Yet lender then asked him to serve another notice - again counsel advice indicated 'he'd fail'.  And he did fail.  But wasted 3y trying and incurred huge legal costs - lender trying to pass on to me. Lender interfered - said wanted to do works.  Receiver should have said no.  But disc. shows he agreed to step aside to let them do the works - on proviso lender would discuss potential costs first (they didn't), works wouldn't take long (took 15m), and lender would hold interest (they didn't) (this last point is crucial for me now - as I need to know if I can argue that all interest beyond this point shouldnt be allowed?)   I need to check receiver witness statement in litigation with freeholders to see exactly what he said about 'his position'. But I remember it being along the lines of - 'if the works increased the value of the property he didn't have a problem'.  Lender/ receiver real problems started at this point. The cost of works and 4y passage of time has meant there is no real increase in value. Lender (or receiver) didn't get any permissions (statutory or fh) (and didn't tell me) and just bulldozed the property to an empty shell.  The freeholders served notice on me as leaseholder for breach of covenants (strict no alterations).  The Lender stepped in (acting for me) to issue notice for relief of forfeiture - not the receiver.  That wasted 2y of litigation (3y if inc the works) and incurred huge costs (both sides).  Lender's aim was to do the works that every potential buyer balked at due to the lease restrictions.  Lender and receiver knew couldn't do works w/o fh permission. Lender did them anyway; receiver allowed.  Receiver remained appointed.  I'm arguing lender interfered in receiver duties.  Receiver should have just sold property 4-5y ago w/o allowing any works.  Almost 3y since works finished the property remains unsold (>5y from repo). The property looks brand new - but it was great before.  The lender spent a ton of money - hoping that would facilitate a quick sale.  But the money they spent and the years they have wasted has meant they had to increase sale price.  It's now completely overpriced.  And - of course - the same issues that put buyers off (before works) still exist.   The receiver has tried for 2y to assert the works increased value. But he is relying on agents estimates - which have proved highly speculative. (Usual trick of an agent to give a high value to get the business - and then tell seller to reduce when no-one buys.). And of course lender continues to accrue interest (despite 4y ago receiver saying pause interest). Lender tried to persuade receiver to use specific agent. Disc shows this agent was best friends with the lender's main investor in the property.  Before works this agent had valued it low.  After works this agent suggested a value 70% higher!  The lender persuaded receiver to sack one agent and instead use this agent.  No offers. (Price way too high).   Research has uncovered that this main investor has since died.  I guess his investment is part of probate? And his family want it back?    Disc shows the sacked agent had actually received a high offer 1y ago.  Receiver rejected it.  (thus I don't know if the buyer would have ever proceeded). He was relying on the high speculative valuation the agents had given him to pitch for the business. The agents were in a catch-22.  The receiver sacked them. Disc shows there has been 0 interest ever since (inc via new agent requested by lender). I don't think lender or receiver want all this to come out in public domain via a trial.  It will ruin their reputations. If I can't get an order for sale with lender - can I apply separately against receiver?
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mis-sold graduate loan? pleeeeease help. it's a long one!!


tanya101
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I had a student bank account wIth natwest which has an over draft and a credit card. The overdraft is owing and the credit card is within its limit but natwest wanted to whole payment. A lot of the balance is charges!

 

My graduate account was automatically changed into a graduate account even though I hadn't graduated (my studies took longer as I was ill)

 

At the start of 2011 I went to natwest inquiring about a graduate loan. I wanted 10k to pay for rent, buy furniture and a car. I'd been living in Kent with my partner and we were relocating to my home town.

 

The guy at the bank said this doesn't sound like enough and I should consider 15k. He also told me that paying back a larger amount looks better if apply for a mortgage. I stupidly was excited by this prospect and took the 15k loan. I had a conditional offer of employment that they took as evidence of income to pay it back.

 

I eventually got this good job and was paying back the full amount every month. Until I fell really ill with a long term condition and heart condition etc.

 

I entered into a payment plan which I was paying. Then for NO reason at all my account was mistakenly sent their collections department. Natwest admitted it was mistakenly sent there but while it was there I couldn't make a payment. It took them months to get it back from collections. During which they counted the late payments and my payment plan ticked away.

 

They wouldn't let me enter another plan as I'd had one for 12 months.

They harassed me, sent me 4 or 5 letters a day and called me all the time. I eventually had a seizure the day they sent me letters about lawyers etc.

 

I have entered a debt management plan with step change and the most of my £150 payment goes to the loan

 

They send me letters regarding my secured mortgage. Which is loan obviously isn't. I had nothing to secure it against!

 

I have loads of defaults on my credit file because of this, which was immaculate before this loan.

 

What can I do?! I really feel like they messed up but don't know where to start.

Any help would be GREATLY appreciated.

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not sure about the defaults

you can only have one per debt...

in the debt summary that is..

 

 

I wonder how a BCOBS complaint might help too

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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What exactly would my complaint relate to?

 

I think I wouldn't have had through defaults and late payments if it wasn't for their messing up!

 

 

Thanks for all your help, you're a star!

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have a read of the rbs blue link after clicking bcobs

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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do you guys think the loan was sold to me properly in the first place?

 

or that they've followed proper procedure?

 

this has absolutely ruined my credit rating a

 

nd it doesnt look like i'll ever get credit again!

 

ta

 

T

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  • 2 weeks later...

Hey guys. I have a graduate loan with natwest and fell into financial difficulty. (Details on a different thread).

 

But I now pay a reduced amount via a debt management plan with stepchange debt charity.

 

I'd heard nothing from natwest then suddenly had 4 calls today and a letter and text from Westcott debt collection agency asking me to contact them urgently to pay the money back.

 

Is there anything I can do?

 

Thanks

T

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Firstly contact your dmp manager they should go through them and not be contacting you. Its just a fishing trip to see if they can squeeze more money out of you. Don't speak to them on the phone just insist on everything in writing.Don't panic.

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Hiya

 

I lost my job in 2009 and had to contact what is now known as step change, previously to that zebra money management was dealing with my accounts, step change have a template letter and there are some template letters here, I am sure one of the others will tell you, as I am out of work wescot get £1 a month one each barclaycard I had which was 2 altogether, its paid by a monthly S/O and they have never bothered me about it since, but don't ring them send them an e-mail with your offer

 

I hope this Helps

 

KeithCP2

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  • 1 month later...
  • 4 months later...

I took out a student bank account with natwest when i went to uni. I took longer to complete my degree as i was ill however, after 3 years my bank upgraded my account to a graduate account even though i hadnt asked and hadnt graduated. They offered me a graduate loan which i wanted to take.

 

The guy at the bank told me that if i took out a higher loan it would help me get a mortgage in the future and would improve my credit rating. I stupidly believed you and took out the higher loan which they accepted with a job offer letter which was conditional of me passing the probation period. the payments were set up for £270 a month.

 

I kept some of the loan to pay the first repayments back and then carried on paying for about a year. then i fell ill and into financial problems. I told the bank straight away and filled out an income and expenditure form. They agreed to let me enter into a 12 month agreement to pay less.

 

I was paying perfectly when i got a letter saying it had been passed to a debt collector. I called and they said it had accidentally been passed and they were trying to get it back and i couldnt pay anything as they no longer held the account. It took them 6 months to get it back.

 

12 month of the agreement plan was spent waiting for them to get my account back from the debt collector and so i couldnt pay. but they said my 12 months was up even though i couldnt pay for 6 months because of their mistake.

 

They literally harassed me with phonecalls and letters everyday and calling my parents house even though id told them i didnt live there any more.

 

I have a massive default of my credit rating for a huge loan i never would have taken if it wasnt for there misrepresentations.

 

Is there anything i can do?! Im now paying it through a stepchange plan but it wont be paid for ages.

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  • 2 weeks later...
  • 8 months later...

Im not sure a miselling complaint here is the right way to go.

 

The argument you have suggested is that you fell behind in payments on the payment plan due to them making a mistake and sending it to the debt collectors. Admissions in wrting would be a good support tool.

 

A BCOBS complaint would be that they failed to manage your account correctly to your detriment.

 

However

 

the "many defaults" IS prob as suggested above, a status update if you will. If you are on a payment plan then this may be accurate.

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

 

The SabreSheep, All information is offered on good faith and based on mine and others experiences. I am not a qualified legal professional and you should always seek legal advice if you are unsure of your position.

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Ah ok thank you!

 

The reason I thought it might have been mis sold was that I hadn't graduated at the time due to illness. I didn't graduate until the following year but he changed my account to a graduate account so that he could give me the loan. He also accepted a conditional job offer as proof I'd be able to pay despite me having no money and being in my over draft with my account with them.

 

He said he couldn't accept a conditional offer then called me and said he could.

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  • 1 year later...

Hi all

 

I am have a large natwest graduate loan that I took in 2011. I wasn't actually a graduate at the time but the guy in the bank said they'd just changed my student account to graduate so I could get one. Also wasn't working at the time but had conditional job offer. Was given the loan but later didn't get that job and so couldn't pay. Used loan to pay loan.

Now paying through DMP.

 

I've just seen some letters they'd sent as I'm sending a cca request and theyvelines described my loan throughout as a secured loan and a mortgage which is definitely wasn't. Was just a simple graduate loan.

 

What can I do about this? Is there a complaint I can be making?

 

Thanks all

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numerous threads over numerous years asking the same questions merged

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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numerous threads over numerous years asking the same questions merged

 

Sorry I think what I'm asking this time is a different question. It's nothing about he actual loan itself or repayment of it or anything I've asked before.

 

It's simply whether they fact they've described it as secured when it isn't is a problem or not? Not everyone is an expert in this bit i think hats a completely different question

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opps wrong thread

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

if the loan is secured then it will show on the land registry site

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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