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    • I'm still pondering/ trying to find docs re the above issue. Moving on - same saga; different issue I'm trying to understand what I can do: The lender/ mortgagee-in-possession has a claim v me for alleged debt. But the debt has only been incurred due to them failing to sell property in >5y. I'm fighting them on this.   I've been trying to get an order for sale for 2y.  I got it legally added into my counterclaim - but that will only be dealt with at trial.  This is really frustrating. The otherside's lawyers made an application to adjourn trial for a few more months - allegedly wanting to try sort some kind of settlement with me and to use the stay to sell.  At the hearing I asked Judge to expedite the order for sale. I pointed out they need a court-imposed deadline or this adjournment is just another time wasting tactic (with interest still accruing) as they have no buyer.  But the judge said he could legally only deal with the order at trial. The otherside don't want to be forced to sell the property.. Disclosure has presented so many emails which prove they want to keep it. I raised some points with the judge including misconduct of the receiver. The judge suggested I may have a separate claim against the receiver?   On this point - earlier paid-for lawyers said my counterclaim should be directed at the lender for interference with the receiver and the lender should be held responsible for the receiver's actions/ inactions.   I don't clearly understand that, but their legal advice was something to do with the role a receiver has acting as an agent for a borrower which makes it hard for a borrower to make a claim against a receiver ???.  However the judge's comment has got me thinking.  He made it clear the current claim is lender v me - it's not receiver v me.  Yet it is the receiver who is appointed to sell the property. (The receiver is mentioned/ involved in my counterclaim only from the lender collusion/ interference perspective).  So would I be able to make a separate application for an order for sale against the receiver?  Disclosure shows receiver has constantly rejected offers. He gave a contract to one buyer 4y ago. But colluded with the lender's lawyer to withdraw the contract after 2w to instead give it to the ceo of the lender (his own ltd co) (using same lawyer).  Emails show it was their joint strategy for lender/ ceo to keep the property.  The receiver didn't put the ceo under any pressure to exchange quickly.  After 1 month they all colluded again to follow a very destructive path - to gut the property.  My account was apparently switched into a "different fund" to "enable them to do works" (probably something to do with the ceo as he switched his ltd co accountant to in-house).   Interestingly the receiver told lender not to incur significant works costs and to hold interest.  The costs were huge (added to my account) and interest was not held.   The receiver rejected a good offer put forward by me 1.5y ago.  And he rejected a high offer 1y ago - to the dismay of the agent.  Would reasons like this be good enough to make a separate application to the court against the receiver for an order for sale ??  Or due to the main proceedings and/or the weird relationship a borrower has with a receiver I cannot ?
    • so a new powerless B2B debt DCA set up less than a month ago with a 99% success rate... operating on a NWNF basis , but charging £30 to set up your use of them. that's gonna last 5mins.... = SPAMMERS AND SCAMMERS. a DCA is NOT a BAILIFF and have  ZERO legal powers on ANY debt - no matter WHAT its type. dx      
    • Migrants are caught in China's manufacturing battles with the West, as Beijing tries to save its economy.View the full article
    • You could send an SAR to DCbl on the pretext that you are going for a breach of your GDPR . They should then send the purported letter of discontinuance which may show why it ended up in Gloucester and see if you can get your  costs back on the day. It obviously won't be much but  at least perhaps a small recompense for your wasted day. Not exactly wasted since you had a great win  albeit much sweeter if you had beat them in Court. But a win is a win so well done. We will miss you as it has been almost two years since you first started out on this mission. { I would n't be surprised if the wrong Court was down to DCBL}. I see you said "till the next time" but I am guessing you will be avoiding private patrolled car parks for a while.🙂
    • It is extremely disappointing that you haven't told us anything about the result of the hearing. You came here at the very last minute and the regulars - all unpaid volunteers - sweated blood trying to get an acceptable Witness Statement prepared in an extremely short time. The least you could have done is tell us how the hearing went, information invaluable for future users. Evidently not.
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    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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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.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Aquired brain injury (the hidden disability)


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Acquired Brain Injury (ABI) This is my disability and is widely ignored. Why? I have no idea. I have a short video now uploaded to the well known site here >>

 

 

Credit to Brain Injury forum for the video. A big thank-you, as this short video shows what can affect us and how misunderstood we are. Please enjoy and try to understand we are normal but have trouble being understood. This made me smile today, this made me sad today . This made me cry today as well!!!

 

 

This is me in a nutshell, but... I take the time to help others more able bodied than myself, please help us to help you too..... To understand the complexities of being disabled... You might not see it, you may not hear it, but.... we are who we are and that is a person, that has feeling and wants too... We need help just like you but sometimes we are known as 'spongers' and much more a label we don't want/need or like.

 

 

I am very much misunderstood now you can see why!

If I have been of any help, please click on my star and leave a note to let me know, thank you.

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A cousin of mine had a stroke in his late 40's, so these things can happen at any age. in my family there is a history of epilepsy running through the male line. My father had it in his 50's onwards. His Father also had it. It proved to be a killer in both cases.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

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Sorry for your lose UB I had mine aged 49 6 years ago. I lost my father to this 24 years ago so suddenly. You will understand this more than most, this is why I am so passionate about the disabled on the forums. Here are some statistics' from Headway>> https://www.headway.org.uk/about-brain-injury/further-information/statistics/

 

 

What makes this even harder for some is they have no support and subject to enforcement for some reason. I have noticed that GTSTL has viewed this thread and I hope they may add to this?

If I have been of any help, please click on my star and leave a note to let me know, thank you.

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I have come a long way with some great support from my daughter. But... Unfortunately I often lose everything I have learned in the last 6 years and have to start all over again. that is a side effect that I hate its draining and makes me upset.

 

 

Like when I sit in the disabled section on a bus and get told to move, its dangerous for me to sit anywhere else. My local bus company had a bus taken out of service to remove me from the seat (normal one) because I had a fit and slipped from my seat and got stuck. (Fire service removal) so even though my mind is damaged I live the best I can.

 

 

The latest episode was me at a checkout and passing out and collapsing. I was fortunate to have the medical card that CAG has produced on my lanyard.. http://www.consumeractiongroup.co.uk/forum/showthread.php?424122-Medical-Alert-Wallet-Card&highlight=medical+alert which was very useful but out of date at the time (no longer) As the thread states its a hidden disability with some awful side effects that are not apparent to those that see us in public...

If I have been of any help, please click on my star and leave a note to let me know, thank you.

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Sorry for your lose UB I had mine aged 49 6 years ago. I lost my father to this 24 years ago so suddenly. You will understand this more than most, this is why I am so passionate about the disabled on the forums. Here are some statistics' from Headway>> https://www.headway.org.uk/about-brain-injury/further-information/statistics/

 

 

What makes this even harder for some is they have no support and subject to enforcement for some reason. I have noticed that GTSTL has viewed this thread and I hope they may add to this?

 

It affects others as well. When my Dad started to have epilepsy, it meant him andmy Mum stopped having holidays abroad which they enjoyed previously. Also he did not want to drive or could not for periods, so it does affect quality of life previously enjoyed. My Dad was lucky to retire early on a full company pension at the time.

 

My cousin actually featured on a TV programme where they looked at his recovery. It was a hospital programme where they were interested in a young stroke victim.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

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The Epilepsy is awful, it happens at anytime and therefore having the card with me helps me a lot. I am hoping that I can stay at home for some time, but with the concerns expressed by others it may be I need to consider part 1 accommodation sooner rather than later. I love my independence but there is only so much a 25 year old woman can do for her old man...

 

 

I remember my last holiday well as it was just before my stroke, I have yet to go away at all since. A I am too scared and B the insurance is stupid. I am as you may be aware a member of a new stroke club and now a Tuesday club so hopefully I can change from being alone to having real world friends. Time will tell..

 

 

As far as other things go I take everyday as a new day. Making time for me (a Little) and time for others (A lot) maybe time to swing that around?

If I have been of any help, please click on my star and leave a note to let me know, thank you.

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I've never really talked about mine:

I received my ABI as a child. I had undiagnosed epilepsy. Unfortuantely for us, it was a case of a few tests to check whether after that seizure I did indeed have epilepsy and because nothing was picked up, they just left it. I spent most of my teenage years (I was 11 when I had my ABI) with migraine and someone did suggest that it's possibly why I've had depression.

 

Anyway, a serious problem for me is memory. You can say something to me and I'll forget it 5 minutes later. Yet, I can remember something you said to me 2 years ago. I remember virtually nothing that happened before my ABI. Strangely, I do remember the date - Monday October 9th 2000.

 

Dad has an ABI and talking to him at times can be a tad frustrating - we both have the issue of not being able to remember certain words. His came after falling down a flight of stairs at work. He'd gone to his doctors a few days previously complaining that he felt a bit strange; but couldn't figure out why. It turns out that the reason why he'd fallen down the stairs was because he was having a seizure.

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Nystagmite

I see from your post you too have shown how much this affects people. I too cannot remember what I did yesterday and sometimes I have to use a book to write down what I've done where I've been and why. Plus many more reasons.

 

This is why I posted up the diary sheets in my stikky. They are a tool I use daily.

 

My daughter would totally agree with your post too. We are very hard work but don't see it we don't know it and we certainly do not understand it.

 

I was sitting here on my thread yesterday and I noticed a poster from the bailiff section was viewing it. They sat here much longer than needed to watch they video and comments. Why they are a bailiff..

 

But sadly they did not post a reply. Why I don't know. Maybe it was an eye opener to them. I hope so. Time will tell if the come back and post a response which would be great..

 

As said before within the video is a list not a comprehensive list but an idea how this small insignificant injury has such long lasting features.

 

I am sorry to hear you suffer as I do and glad I am not the only one prepared to put personalised information on to a thread.

 

It can only help if others become aware. Unlike that poster in my other thread about mobility scooters, so upset was I said I will count to forever lol... have a read of their comments it won't shock you but if like me the post is well you decide!

If I have been of any help, please click on my star and leave a note to let me know, thank you.

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Thanks for your reply, Mikey. Not being able to remember what I did yesterday is a problem for me as well. And so is not being able to remember what day it is!

 

A lot of people I know with ABI have complained that one problem they have is that it has affected their hearing. (it's too sensitive) I had the opposite issue - I had sensitive hearing as a child and somehow, my ABI appeared to have "cured" me of this. I now have the same hearing problem again for a completely unrelated reason.

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