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    • This is a ridiculous situation.  The lender has made so many stupid errors of judgement.  I refuse to bow down and willingly 'pay' for their mistakes.  I really want to put this behind me and move on.  I can't yet. 
    • Peter McCormack says he has secured a 15-year lease on the club's Bedford ground.View the full article
    • ae - i have no funds to appoint lawyers.   My point about most caggers getting lost is simply due to so many layers of legal issues that is bound to confuse.  
    • 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.   Yes.  But every interested buyer was offering within a range - based on local market sales evidence.  Shelter site says a lender is not allowed to wait for the market to improve. Why serve a dilapidations 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.   The dilapidations notice was a legal first step.  Freeholders have to give time to leaseholders to remedy.  Lender lawyers advised the property was going to be sold and the new buyer would undertake the work.  Their missive came shortly before contracts were given to buyer.  The buyer lawyer and freehold lawyers were then in contact.  The issue of dilapidations remedy was discussed..  But then lender reneged.  There was a few months where neither I nor freeholders were sure what was going on.  Then suddenly demolition works started.   Before one issues a s146 one has to issue a LBA.  That is eventually what happened. ...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   A s146 was served.  It took 3y but the parties came to a settlement.   (They couldn't revert as they had ripped out irreplaceable historical features). 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.  That's not the case   One can ask for another extension.  In this instance the freeholders eventually agreed with a proviso for the receiver not to serve another. You wouldn't vary a lease through a lease extension.  Correct.  But receiver lawyer was an idiot.   He made so many errors.  No idea why the receiver instructed him?  He used to work for lender lawyers. I belatedly discovered he was sacked for dishonesty and fined a huge sum by the sra  (though kept his licence).  He eventually joined another firm and the receiver bizarrely chose him to handle the extension.  Again he messed up - which is why the matter still hasn't been properly concluded.   In reality, its quite clear the lender/ receiver were just trying to overwhelm me (as trustee and leaseholder) with work (and costs) due to so many legal  issues.  Also they tried to twist things (as lawyers sometimes do).  They tried to create a situation where the freeholders would get a wasted costs order - the intent was to bankrupt the freeholders so they could grab the fh that way.   That didn't happen.  They are still trying though.  They owe the freeholders legal costs (s60) and are refusing to pay.  They are trying to get the freeholders to refer the matter to the tribunal - simply to incur more costs (the freeholders don't want and cant's afford to incur)  Enfranchisement isn't something that can be "voided", it's in the Leasehold Reform Act 1967 that leaseholders have the right to.... The property does not qualify under 67 Act.  Their notice was invalid and voided. B petition was struck out. So this is dealt with then.  That action was dealt with yes.   But they then issued a new claim out of a different random court - which I'm still dealing with alone.  This is where I have issues with my old lawyer. He failed to read important legal docs  (which I kept emailing and asking if he was dealing with) and  also didn't deal with something crucial I pointed out.  This lawyer had the lender in a corner and he did not act. Evidence shows lender and receiver strategy had been ....  Redact and scan said evidence up for others to look at?   I could.  But the evidence is clear cut.  Receiver email to lender and lender lawyer: "our strategy for many months  has been for ceo to get the property".  A lender is not allowed to influence the receivership.   They clearly were.  And the law firm were complicit.  The same firm representing the lender and the ceo in his personal capacity - conflict of interest?   I  also have evidence of the lender trying to pay a buyer to walk.  I was never supposed to know about this.  But I was given copies of messages from the receiver "I need to see you face to face, these things are best not put in writing".  No need to divulge all here.  But in hindsight it's clear the lender/ receiver tried - via 2 meetings - to get rid of this buyer (pay large £s) to clear the path for the ceo.   One thing I need to clarify - if a receiver tells a lender to do - or not to do - something should the lender comply? 
    • Why ask for advice if you think it's too complex for the forum members to understand? You'd be better engaging a lawyer. Make sure he has understood all the implications. Stick with his advice. If it doesn't conform to your preconceived opinion then pause and consider whether maybe he's right.
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Power 2 contact Ltd


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  • 5 months later...
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I have wasted alot of tea and cake waiting for these type of "people" to arrive.

It is highly unlikely that anyone will turn up.

If they do simply tell them to leave and communicate in writing ONLY.

 

As and when the attached DCA writes to you update us and we'll help.

Be VERY careful whose advice you listen too

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  • 4 weeks later...

I got a letter from them which was utter cock and they reckon they will charge £22.66 for it. Obviously, letter straight back to them telling them basically the second word is off and to Halifax who instructed them to also tell them the second word is off ...... just another episode in the mind games, which I am winning !!! yay !!!

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When you write back to a letter which states they are charging you enclose a bill for secretarial/legal services and ask them for immediate payment.... should raise a few eyebrows their end. After all you too have overheads and costs involved.....

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Power2contact are part of the Crucible Group - also includes Credit Solutions (in my view the biggest bunch of a***holes in the DCA industry - and of course they've got some serious competition :) ). Their motto is 'building stronger customer relations' - ha, ha, ha....

 

Certainly I'd ignore them, hedgehog.

WOOLWICH -S.A.R - (Subject Access Request) sent 03/03/07 :cool:

LBA sent for non-compliance with Data Protection Act 28/04/07 :mad:

 

ABBEY - S.A.R - (Subject Access Request) sent 03/03/07 8)

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  • 3 weeks later...

HI, I just got a lovely yellow christmas card!!!! just like you all have said the only thing is that today is 7th and the card was posted on 3rd hence he should have come 2 days ago.8)

 

Also is it just me or is the surname of the protential person the same as yours?????????:p

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I had a card fro them and i sent in a official complaint to them and the company that hired them as the card was free for anyone to read had my reference number on and was in breach of OFT rules.

 

Got a snotty letter back 8 weeks later and the DCA didn't know why they were contacted, think they are under the same roof as CSL.

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  • 1 month later...

I recieved one of these little yellow cards with an appointment with a Mr J White (how original)

 

power 2 Contact are indeed under the same roof as CSL and are probably a subsiduary of the same company.

 

They rang my wife yesterday and she compained that no one had turned up for the appointment their rep said we were lucky as it was the baliffs that were coming round. Odd that considering the debt has never reached court, they must think we were all born yesterday.

 

I don't think the card contravenes the Data Protection Act but I have enquired with the Information Commissioners Office just in case. I have also reported their behaviour the the OFT although I doubt any action will be taken.

 

I have sent them a snotty letter regarding their actions and will wait now to hear back from them. They breached their own guidelines set out on their website too Credit Solutions

 

Ian

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you could do with recording the telephone calls when they are threaterning you with the baliffs. Would make a good claim for harasment.

 

HAK

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you could do with recording the telephone calls when they are threaterning you with the baliffs. Would make a good claim for harasment.

 

HAK

Not sure I would have the equipment nor the knowledge how to record a telephone conversation, besides which isn't it illegal to do that without their permission?:confused:

 

Ian

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When they answer they tell you they are recording the conversation for training purposes - tell them in return you are recording the conversation - it ISNT illegal to do that provided you state it at the beginning and not halfway through.

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  • 2 months later...

I have received a little yellow card today (Thursday) saying they will call on Wednesday, it doesn't say which Wednesday and it doesn't say whether it will be by phone or in person. Has anyone ever received a visit from these people?

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I have received a little yellow card today (Thursday) saying they will call on Wednesday, it doesn't say which Wednesday and it doesn't say whether it will be by phone or in person. Has anyone ever received a visit from these people?

 

No its just a fright tactic. Ignore it and write to them and tell them you will only deal by written correspondance.

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My hubby has received one of the yellow cards. The 'visit' is due tomorrow between 9am-9pm:) . J. White must be very busy on a Wednesday driving up and down the motorways. No wonder he works long hours:) .

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i received a yellow card today stating j.white would be visiting Wednesday - funny he hasn't shown up. have telephoned and apparently the have no record of me and there sister company must be dealing with it! Who is the sister company?

They never asked date of birth or address to confirm who i was! and putting a reference number on the front of card are you allowed to do that?

Does anybody know how much it actually costs to ring them?

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their sister company are Credit Solutions Limited. I have already complained to them about the cards and they say they are legal as they show no personal data. they merely send it to see if your actually at that address. Best just bin it and ignore it

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well in my eyes its harassment so i will be going to the police about it. i mean why would you just want to check that the person is still there. and in a way it is personal anybody could have rung that number pretending to be you.

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oh, and also forgot if j.white has sat nav he will be looking in the wrong place for me, as the postcode is wrong!! and sister companies are usually based in a seperate place or office!!!

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