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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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      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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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TMB [part of the lloyds banking group] Eviction date 22/03/2017


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as they didnt get the eviction the sols fees shouldnt be there unless the court ordered them to be paid by you. You will be reclaiming that

 

I don't know this 100%, but if a mortgage holder is in breach of the mortgage terms and action is taken in accordance with the mortgage contract, they can include relevant legal fees/costs incurred. It does not have to be part of the court consideration as to whether the costs are due. It would of course be different had the court been asked to consider these Solicitors fees, but i doubt it was the case.

 

If there is now a dispute about various amounts added, then if a court has never considered these, the FOS can look into them or if a court has actually directly considered costs, then we would need to see what the court actually said about them. The benefit of getting the FOS involved, is that it might cause TMB more hassle to deal with and they might well be less inclined to take this to court again while the FOS are involved. If the FOS are willing to look at any issues, it may give a bit of a breather while you look to get into a better position.

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as they didnt get the eviction the sols fees shouldnt be there unless the court ordered them to be paid by you. You will be reclaiming that

 

I didn't know this, I'll add this in to the total. I will also send off a SAR, I would have thought they would have charged interest on everything as the charges we capitalised into the balance

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Yes they do

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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I don't know this 100%, but if a mortgage holder is in breach of the mortgage terms and action is taken in accordance with the mortgage contract, they can include relevant legal fees/costs incurred. It does not have to be part of the court consideration as to whether the costs are due. It would of course be different had the court been asked to consider these Solicitors fees, but i doubt it was the case.

 

If there is now a dispute about various amounts added, then if a court has never considered these, the FOS can look into them or if a court has actually directly considered costs, then we would need to see what the court actually said about them. The benefit of getting the FOS involved, is that it might cause TMB more hassle to deal with and they might well be less inclined to take this to court again while the FOS are involved. If the FOS are willing to look at any issues, it may give a bit of a breather while you look to get into a better position.

 

The court was never asked to consider these.

 

I will wait to see what the SAR brings back

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as they didnt get the eviction the sols fees shouldnt be there unless the court ordered them to be paid by you. You will be reclaiming that

 

 

You would need to ask the judge at the hearing not to allow the legal costs as the litigation was unnecessary due to the Claimant refusing reasonable proposals for payment. All they will say now is that they are allowed to add the fees as it's part of the loan agreement. However, the fees do need to be reasonable - if they used in house legal team they shouldn't be charging law firm rates. Ask for a breakdown of the legal fees.

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depends on the interest rate APR?

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

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

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