Jump to content


  • Tweets

  • Posts

    • Please see my comments in orange within your post.
    • no i meant the email from parcel2go which email address did they send it from and who signed it off (whos name is at the bottom)
    • I understand confusion with this thread.  I tried to keep threads separate because there have been so many angles.    But a team member merged them all.  This is why it's hard to keep track. This forum exists to help little people fight injustice - however big or small.  Im here to try get a decent resolution. Not to give in to the ' big boys'. My "matter' became complicated 'matters' simply because a lender refused to sell a property. What can I say?  I'll try in a nutshell to give an overview: There's a long lease property. I originally bought it short lease with a s.146 on it from original freeholder.  I had no concerns. So lender should have been able to sell a well-maintained lovely long lease property.  The property was great. The issue is not the property.  Economy, sdlt increases, elections, brexit, covid, interest hikes etc didn't help.  The issue is simple - the lender wanted to keep it.   House or Flat? Before repo I offered to clear my loan.  I was a bit short and lender refused.  They said (recorded) they thought the property was worth much more and they were happy to keep accruing interest (in their benefit) until it reached a point where they felt they could repo and still easily quickly sell to get their £s back.  This was a mistake.  The market was (and is) tough.   2y later the lender ceo bid the same sum to buy the property for himself. He'd rejected higher offers in the intervening period whilst accruing interest. 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. I had the property under offer to a fantastic niche buyer but lender rushed to repo and buyer got spooked and walked.  It had taken a long time to find such a lucrative buyer.  A sale which would have resulted in £s and another asset for me. Post repo lender had 1 offer immediately.  But dragged out the process for >1y - allegedly trying to get other offers. But disclosure shows there was only one valid buyer. Again, points as above. Lender appointed receiver (after 4 months) - simply to try acquire the freehold.  He used his powers as receiver to use me, as leaseholder, to serve notice on freeholders.  Legally that failed. Meanwhile lender failed to secure property - and squatters got in (3 times).  And they failed to maintain it.  So freeholders served a dilapidations notice (external) - on me as leaseholder (cc-ed to lender).   (That's how it works legally) Why serve a delapidations 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. I don't own the freehold.  But I am a trustee and have to do right by the freeholders.  This is where matters got/ get complicated.  And probably lose most caggers.   Lawyers got involved for the freeholders to firstly void the receiver enfranchisement notice. Secondly, to serve the dilapidations notice.  The lack of maintenance was in breach of lease and had to be served to protect fh asset. Enfranchisement isn't something that can be "voided", it's in the Leasehold Reform Act 1967 that leaseholders have the right to buy the freehold of the property. It's normal, whether it is a "normal" leaseholder or a repossession with a leasehold house, to claim this right of enfranchisement and sell the property with said rights attached and the purchase price of the freehold included in the final completion price. That's likely what the mortgage provider wished to do. The lender did no repairs. They said a buyer would undertake them. Which was probably correct. If they had sold. After 1y lender finally agreed to sell to the 1st offeror and contracts went with lawyers.  Within 1 month lender reneged.  Lender tried to suggest buyer walked. Evidence shows he/ his lawyers continued trying to exchange (cash) for 4 months.  Evidence shows lender and receiver strategy had been to renege and for ceo to take control.   I still think that's their plan. Redact and scan said evidence up for others to look at? Lender then stupidly chose to pretty much bulldoze the property.  Other stuff was going on in the background. After repo I was in touch by phone and email and lender knew post got to me.   Despite this, after about 10 months (before and then during covid), they deliberately sent SDs and eventually a B petition to an incorrect address and an obscure small court.  They never served me properly.  (In hindsight I understand they hoped to get a backdoor B - so they could keep the property that way.)  Eventually the random court told them to email me by way of service.  At this point their ruse to make me B failed.  I got a lawyer (friend paid). The B petition was struck out. They’d failed to include the property as an asset. They were in breach of insolvency rules. So this is dealt with then. Simultaneously the receiver again appointed lawyers to act on my behalf as leaseholder. This time to serve notice on the freeholders for a lease extension.  He had hoped to try and vary the strict lease. Evidence shows the already long length of lease wasn't an issue.  The lender obviously hoped to get round their lack of permission to do works (which they were already doing) by hoping to remove the strict clauses that prevent leaseholder doing alterations.  You wouldn't vary a lease through a lease extension. You'd need a Deed of Variation for that. This may be done at the same time but the lease has already been extended once and that's all they have a right to. The extension created a new legal angle for me to deal with.  I had to act as trustee for freeholders against me as leaseholder/ the receiver.  Inconsistencies and incompetence by receiver lawyers dragged this out 3y.  It still isn't properly resolved. 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. Meanwhile - going back to the the works the lender undertook. The works were consciously in breach of lease.  The lender hadn't remedied the breaches listed in the dilapidations notice.  They destroyed the property.  The trustees compiled all evidence.  The freeholders lawyers then served a forfeiture notice. This notice started a different legal battle. I was acting for the freeholders against what the lender had done on my behalf as leaseholder.  This 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. The simple exit would have been for lender to sell. A simple agreement to remedy the breaches and recompense the freeholders in compensation - and there's have been clean title to sell.  That option was proposed to them.   This happened by way of mediation for all parties 2y ago.  A resolution option was put forward and in principle agreed.  But immediately after the lender lawyers failed to engage.  A hard lesson to learn - mediation cannot be referred to in court. It's considered w/o prejudice. The steps they took have made no difference to their ability to sell the property.  Almost 3y since they finished works they still haven't sold. ** ** I followed up some leads myself.  A qualified cash buyer offered me a substantial sum.  The lender and receiver both refused it.   I found another offer in disclosure.  6 months later someone had apparently offered a substantial sum via an agent.  The receiver again rejected it.  The problem of course was that the agent had inflated the market price to get the business. But no-one was or is ever going to offer their list price.  Yet the receiver wanted/wants to hold out for the list price.  Which means 1y later not only has it not sold - disclosure shows few viewings and zero interest.  It's transparently over-priced.  And tarnished. For those asking why I don't give up - I couldn't/ can't.  Firstly I have fiduciary duties as a trustee. Secondly, legal advice indicates I (as leaseholder) could succeed with a large compensation claim v the lender.  Also - I started a claim v my old lawyer and the firm immediately reimbursed some £s. That was encouraging.  And a sign to continue.  So I'm going for compensation.  I had finance in place (via friend) to do a deal and take the property back off the lender - and that lawyer messed up bad.   He should have done a deal.  Instead further years have been wasted.   Maybe I only get back my lost savings - but that will be a result.   If I can add some kind of complaint/ claim v the receiver's conscious impropriety I will do so.   I have been left with nothing - so fighting for something is worth it. The lender wants to talk re a form of settlement.  Similar to my proposal 2y ago.  I have a pretty clear idea of what that means to me.  This is exactly why I do not give up.  And why I continue to ask for snippets of advice/ pointers on cag.  
    • It was all my own work based on my previous emails to P2G which Bank has seen.
    • I was referring to #415 where you wrote "I was forced to try to sell - and couldn't." . And nearer the start in #79 .. "I couldn't sell.  I had an incredibly valuable asset. Huge equity.  But the interest accrued / the property market suffered and I couldn't find a buyer even at a level just to clear the debt." In #194 you said you'd tried to sell for four years.  The reason for these points is that a lot of the claims against for example your surveyor, solicitor, broker, the lender and now the receiver are mainly founded in a belief that they should have been able to do something but did not. Things that might seem self evident to you but not necessarily to others. Pressing these claims may well need a bit more hard evidence, rather than an appeal to common sense. Can you show evidence of similar properties, with similar freehold issues, selling readily? And solid reasons why the lender should have been able to sell when you couldn't.
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • 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. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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
        • Like
  • Recommended Topics

ccj setaside - help


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 2476 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

threads merged for relevant history

please keep to one 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... 

Link to post
Share on other sites

  • 7 months later...
  • Replies 59
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Live fast track in progress at case management directions hearing soon talk about sje witness defendant has asked for adjournment

to allow time for poss apt part 20 but they also mention window for adr/mediation could some one explain poss outcomes it was in multi track provisional 40k

Link to post
Share on other sites

merged yet again to your existing mystery thread

whereby you have totally failed to give any concrete information of what the beep is actually going on...

 

 

little tip to using forums...

 

 

you have to tell people the history of your issue in a format that they can understand..

not 9? is it now separate random threads that we've had to merge ....

 

 

help us to help you .....WE ARE VOLUNTEEERS REMEMBER....

 

 

not mind reader's...

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... 

Link to post
Share on other sites

This has been in the court system 15 months

first acheived default judgement that was set aside

,next stage appointment of a litigant friend that was ordered

current stage case management

defendant whats more time to wait for manufacturer to respond on part 20 joining into case

 

 

in their bundle they mention adr/mediation

i thought this was not possible in this type pf case

 

What they are not aware i have alerted trading standards to poss safety breach of product

if correct a recall of over 1000 may happen but this would be a criminal investigation

 

Having studied the hse site i have provided all docs to the TS concerned with this in motion

 

 

how could ADR take place ?

Link to post
Share on other sites

Jack, if you read this thread back you have not given much info, so you obviously don't want help with the case. All you seem to want to do is ask questions on court processes as and when they arise. The problem with this approach is that people don't have any overall understanding of your specific case and how complex it is, what issues you might have, what you could do to help speed up the process. If there are potentially thousands of other consumer claims, are you likely to get paid, even if you won ?

 

If the case is now just going through the standard court process after the origial default CCJ was set aside, why would ADR not be relevant, IF both parties now decided they would quite like to settle. Perhaps there is no current willingness of either side to settle the claim outside of court. Does not mean that ADR/mediation is not offered as a possibility, even if in your case it is not really appropriate or wanted at this stage.

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

Link to post
Share on other sites

That is a fair point but if i released to much info all would work out what parties involved part 20 would involve other side with 100 mill turnover per year.

What shocks me now trading standards hub will not speak local TS have not yet responded to my files,there are 5 other non parties involved at trial it may involve a part34 to include technical files and to compound problems there is not any 1 sje in the uk that can undertake this work a best match only option so any one reading this will know this is a lot of work for 1 lip

Link to post
Share on other sites

Trading Standards is not as well resourced as it used to be, so they won't get involved unless they really need to and then with no urgency if they are not the appropriate body to deal with any immediate consumer safety issue.

 

I don't think you have even given a clue about the type of product, so it could be anything from a summer house for a garden or a kit car that you will use on track days. So your references to various techincal issues, trading standards etc have no background story and therefore people find it very difficult to comment. If you don't want to even provide a very basic background story of your claim,then i can see no point in using a public forum. If you have a £40k claim, then speak to Solicitors about whether they can help on a no win no fee or fixed fee arrangement.

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

Link to post
Share on other sites

Tried that

not an option

 

 

the facts are the consumer is a lone solider

TS will not help which i fully understand and not complaining about

what i notice when phone TS they put me on hold

go see someone

come back

sidestep

 

 

i phoned TS not GCHQ

it would of cost 10k to get case to this point

 

 

this is how retailers get off what realistic chance has the lone solider consumer got and for recovering all costs at trial when you win risky.

Link to post
Share on other sites

If you had a strong case with good chance of getting paid by this retailer, then a Solicitor would take it on.

 

If you have seen a Solicitors, what main reason did they give for not being able to help ?

 

In one easy to understand sentence, can you explain, the main reason for the retailer being liable for a £40k claim ?

 

Have you still got the item the retailer supplied ?

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

Link to post
Share on other sites

product bought new

not of satisfactory quality /fit for purpose sog 1979 sec14 ,

5 years on

still have

cannot use

 

 

claimant protected party directions

hearing soon at this stage

 

 

burden of proof not established

hope next hearing

 

 

what shocks me as the joe

thresh hold of proof presents as criminal

 

 

the DJ at last hearing had lots of docs but he phoned the doctor at hearing speaker phone.

He advised if go to trial direct access junior barrister what i accept would be required.

 

What i am trying to establish

burden of proof

unit faulty first 2 months

up to 30 faults

been back to factory with 5 inherent faults

 

 

if i get positive SJE hope other side bottle it

or either side part 36

 

 

i have been on this 4 years in this time

i have not found another joe dun this tour of duty

 

 

so all that read you make find out the real deal what may help others in the future

Link to post
Share on other sites

Thanks for input but purchase date 2012

 

 

i think now case on move defendant not keen to run with single joint expert

,multi track could have had three ,

 

 

what surprised me did not think DJ could allocate 40k case to fast.

 

The defendant throughout takes no blame

so now they have wrote to the part 20 there may be some shift in position.

 

In a case like this costs are telephone numbers by doing lots of work costs are kept lower

but i may have made a mistake shopin them to TS it might open up pandoras box

 

because how can you have a back door deal if there is a product that does not have correct ventilation from new and cause carbon monoxide poisoning and i was a gas safe engineer with the lpg component .

 

Would and part 20 want this on their table with a show on the blast this year.

Link to post
Share on other sites

Without the full story, your posts don't really mean much. People can't respond to just nuggets of info.

 

TS don't just jump in. They gather evidence first and your specific case might not be mentioned at all. If you told them it was subject to a current county court case, then they would definitely not have mentioned it, as they would not want to become involved.

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

Link to post
Share on other sites

TS are aware of the civil case for over 12 months ,

you know when something is wrong when you phone TS hub when call handler checks case file they put you on hold out comes GCHQ.

 

I have sent docs recorded to head of TS local

includes photos,BSI En1949,2 x manufacturers installation instructions,third party cert on en1948,conform cert from supplying

 

potential part 20 this includes operators hand book safety instructions etc,

if this part is proven the defendants case and part 20 will fail.

 

Wot does my box in the joe can not talk to local TS and what is out of order if i have to study TS enforcement procedures and legislation i will have to learn their job.

 

TS have powers to access manufacturers technical files on safety issues pre trial i would have to wait use a part34 witness summons that is alot of grief .

Question who pulls TS strings.

Link to post
Share on other sites

GCHQ ?

 

Is this a private residential house where you have had works done including fitting a gas appliance ?

 

Or is it a business ?

 

Why has it taken 5 years ?

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

Link to post
Share on other sites

The players i am trading against are well rehearsed

the joe thinks all are straight point of sale

,if someone wants to dodge the bullet in their interests to delay you may bottle it.

 

Any joe reading this be warned if you instruct you may buy their BMW

you win but get no costs award hollow victory what good is that.

 

Joe thinks sog and CRA there to protect think again these are in place to protect business

 

Back to the 5 year deal ya moan ,waive flags,beat your drum reply we will do it tomorrow.

 

Joe gets revved up fires missiles at non parties CEO S ban staff from speaking pull shutters down ,

why well the manufacturers what supply the producer all **** in the same pot

 

the trade body what certs plays golf its one of them,

when MD s sit on each others board how do you break through the force fields you bang it in court then the retailer has lost the

whip hand tomorrow will come for one of the parties.

Link to post
Share on other sites

cant you not just use plain English!!

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... 

Link to post
Share on other sites

When i have tried to obtain information from industry related forums the account is blocked

posts are erased and senior members replies are also erased where they may have wanted to hear about it.

 

A case like this could easily end up in the courts of appeal

any legal person would pick out bullet points SOG/Protected party/5 non parties /multi track/fast track/Single joint instruction/

multi casemanagement/direct access barrister/retailer/part 20 manufacturer/Certification body BSI/poss part 34/poss part 36/poss 1 -2 day trial/multiple apps

 

 

so someone in the know would say costs could well be telephone numbers thats why the grunt consumer takes it lying down.

 

In my life i have learnt rule 1

never trade with the establishment

 

 

rule 2

if you do have a fall guy the latter if you lose ya doe pay thats how it rolls no wig likes rule 2 .

 

So back to my original question

can ADR be retrospective

if so the problem with this the body what certificated the unit there name is in court as a non party for possible breach of en1949 why would i trust that body.

Link to post
Share on other sites

When i have tried to obtain information from industry related forums the account is blocked posts are erased and senior members replies are also erased where they may have wanted

to hear about it.

A case like this could easily end up in the courts of appeal any legal person would pick out bullet points SOG/Protected party/5 non parties /multi track/fast track/Single joint instruction/

multi casemanagement/direct access barrister/retailer/part 20 manufacturer/Certification body BSI/poss part 34/poss part 36/poss 1 -2 day trial/multiple apps so someone in the know would say costs could well be telephone numbers thats why the grunt consumer takes it lying down.

In my life i have learnt rule 1 never trade with the establishment rule 2 if you do have a fall guy the latter if you lose ya doe pay thats how it rolls no wig likes rule 2 .

So back to my original question can ADR be retrospective if so the problem with this the body what certificated the unit there name is in court as a non party for possible breach of en1949 why would i trust that body.

 

:suspicious::spy:

 

We have not got a clue what your on about Jack...sorry.

 

 

Andy

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 OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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

Link to post
Share on other sites

sorry i missed that question

a joe joey grunt all the same jazz member of the public

what i call believers ,

believers are good people that get kicked in the nuts rolled they know no beta ,

 

 

me no joe i have bin shopped to the justice minister and had a petition presented to the house of commons about a site i own.

 

Riddle for people half sensible who would do that.

 

I will ask the question again case in fast track ,

 

 

defendant at next hearing wants time to consider part 20 and mentions ADR

does he mean a part 36 offer to stop proceedings

 

could this be a ambush to say to the court we tried to settle pre trial ,

 

 

the prob with this i could be 10k down where i have a strong case but then depends what you may win at trial.

Link to post
Share on other sites

What are the grounds for any counterclaim by the defendant ?

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

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...