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    • Tangliss, if you can't upload the letter, could you tell us what the heading is please? My understanding is it should say 'Letter before claim' or similar. HB
    • Do you think I should send the CCA request now then instead of waiting? I really can do without the stress. Any advice would be appreciated. Thank you for responding.
    • How was the "receiver" appointed and what is their role? Appointed by the lender under the terms of their security on the loan (sometimes referred to as "LPA Receiver")? Or are they acting for you in insolveny? What's the current role of the agent?
    • Wait for more replies, but that letter to me can be interpreted as a letter before action. Ignoring it can have consequences. The court to impose sanctions for failure in responding to a letter of claim.
    • 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 ?
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Virgin Media renege on verbal agreement !!!


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Hey guys cutting this very short for you. I was out of contract and decided to go to Sky unless i could negotiate a deal with VM. So i rang them up and everything they offered as an existing customer was way higher than Sky so i said i would think about it.

 

I was ready to go with Sky so rang VM to disconnect. Talking with them i managed to wangle an excellent deal!! They matched the top bundle with an exchange vbox for 500gb tivo in other room for £89.73 see link below.I said that i should get a good deal similar to this as i was out of contract and they would lose me as a customer otherwise so I jumped at it and confirmed price and 12 month contract twice. ( i was stung years back. )

 

 

I got an email saying my bill was £153 + so today i ring to complain and get told that £153 was the price end of! Then after much explaining and to and fro they mysteriously found what i had told them but the 2nd tivo cost extra plus it was a 9 month contract?!?!?! I complained and they sent it to a manager who said take it or leave it. I then said i want the recording of the initial deal and they said it would take 40 days and it would be hit or miss if they even recorded it. They also said i had 4 days cool down period left which they refused to extend until i got the recording PLUS they kept insisting that i was told it was extra etc etc and that i agreed to a 9 month contract not a 12. So i said OK take the lot out!!! As you will see by the link that the VIP pack which i was given says 12 months contract.

 

http://www.virginmedia.com/shop/bundles/vip.html

OK, then i was put through to disconnect and i told my story and hey presto i could have the bundle including the extra tivo box but only for 9 months then it would go up BUT if i ring shortly before the 9 month period i will then be offered a new or extended contract virtually the same as i have at near the same price ...... i was told that they do it all the time? I managed tom record this conversation lol.

 

 

The deal i got was excellent but i am adamant that i only agreed for 12 months and got verbal confirmation twice! No way would i agree to something that would end up twice as expensive for 3 months!! Is there anything i can do to get them to stick to their deal? Yes i know i can renew etc and even with a recording what happens if they have made a note and then shaft me at 9 months and not allow me to renegotiate the same package for the same price??

 

Can i get them to enforce the initial verbal agreement (sadly never thought to record that)? I have lost out too because i was getting a free 43" 4K tv with sky but is out of offer now :

 

(a1.jpg

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My advice is to run away from VM as fast and far as you can.

With all this confusion they will drain your bank account, believe me.

 

And you can reclaim it all and go after VM for recompense. Providing the OP is up for a fight.

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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Kick them into touch, NOW, whilst you can.

 

You will get nowhere arguing with them, they ignore their customers complaints, and will pass you from pillar to post in order to deliberately confuse you.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Good luck proving something that was said in a telephone call not recorded.

 

Virgin record all calls, even if they try and say that they didnt.

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

:D

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