I understand what you mean. But consider that part of the problem, and the frustration of those trying to help, is the way that questions are asked without context and without straight facts. A lot of effort was wasted discussing as a consumer issue before it was mentioned that the property was BTL. I don't think we have your history with this property. Were you the freehold owner prior to this split? Did you buy the leasehold of one half? From a family member? How was that funded (earlier loan?). How long ago was it split? Have either of the leasehold halves changed hands since? I'm wondering if the split and the leashold/free

quite honestly id email shiply CEO with that crime ref number and state you will be taking this to court, for the full sum of your losses, if it is not resolved ASAP. should that be necessary then i WILL be naming Shiply as the defendant. this can be avoided should the information upon whom the courier was and their current new company contact details, as the present is simply LONDON VIRTUAL OFFICES is a company registered there and there's a bunch of other invisible companies so clearly just a mail address

If it doesn’t sell easily : what they can get at an auction becomes fair market price, which may not realise what you are hoping.

Thank you. The receiver issue is a rabbit hole I don't think I'm going to enjoy going down. These people seem so protected. And I don't understand how or why? Fair market value seems to be ever shifting and contentious.

You can't, but you can (and really should) bring up the point that the lender isn't meeting their legal obligations in selling the property for fair market value. You'll have to do this in court, though. A receiver is bought in by the lender, not you. If they're a registered insolvency practitioner, you may be able to raise a complaint to the insolvency service but there are no guarantees here. Many receivers are also registered with the RICS and self-regulate so if you know the name of the receiver you can check there, again no guarantees. https://www.rics.org/surveyor-careers/career-development/accreditations/register

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Lolerz - I don't understand you. Rebuked you? No. I simply replied to your orange comments with legal facts as I know them. I've already worked through the s42 and s146 issues - over the last 3-4y - and these issues are (mostly) resolved legally. In terms of posting evidence. Sure I can post some. But my most recent questions have been a) how can I enforce a sale before trial? And b) how can I make a complaint and/or a claim v receiver? (E.g. to which body do I complain?). At the mo I'm asking for some helpful pointers on those specific questions?? I'm not asking for help with how to prov

Thanks for the other info will also take a look at that.

It doesn't use the word reconstructed in the cover letter. Although, I have just noticed on the cover letter they have asked me to complete a financial statement and offer a repayment within the next 10 days, or they will continue to follow court directions. They sent a separate letter on the same day advising me they will be continuing with their claim ? They have done the same for both claims. Is it worth just doing that - doing the financial breakdown and offering a x amount.

hahah except I can't locate the courier to frighten them with it hahaha

Dx100uk according to the ICO office, who I spoke to at some length earlier today after getting the email from the court, Equita are the data controller if they have instructed the contracted EA. The ICO have noted the case, and stated very clearly that the court has the higher standing in terms of dealing with, and punishing either party if they fail to adhere to the district judges order and any action they take will not be criminal. but they also stated very clearly that with what I’ve told them, and on the basis of accepting what I’ve told them as gospel (which it is with written confirmation from both the courts and the pol

urm.. i seem to recall another assault case whereby the approved bailiff company claimed the body camera was nor theirs but a pers one of the bailiff, i think they got in serious trouble for it. i believe that breaks certain gov't approval for a bailiff company/firm regulations/laws if memory serves me right?

have a look at https://www.consumeractiongroup.co.uk/topic/451423-pra-letter-of-claim-old-barclaycard-debt/?do=findComment&comment=5256506 the docs in this thread are what you should get. if the agreement the correct date for signup and does the PRA or BC cover letter use the word reconstructed? dx

sounds like lesley. They'll respond some rubbish I'm sure.

Even if they have crawled back under the stone, remember they have six years to bring a claim. Let them know if you ever change address.

It's genuinely amazing how you managed to rebuke pretty much all of my points without giving a single shred of evidence to prove it. When asked for evidence all you claim is that "it's clear cut" but how is anyone here meant to know if you won't show it? I agree with this. If you can't convince us, how are you going to convince the judges when this inevitably goes to court?

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.

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 leaseho

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.

It was sent from [email protected] and was signed ‘Claims Team’

The Barclay Card conditions is complete. There was only 3 pages. This had old address on. Full CCA. 15 pages. The only personal info is my name and address. Current Address The rest just like a generic document. PRA Barclays CCA return (base) 26-04-24.pdf

An update to this case as I’ve not been on in a while. I am still awaiting a charging decision in the case. The two police officers involved have said their personal belief is a section 47 ABH charge is the most likely outcome but this isn’t a sure thing of course. The EA certificate from the issuing court has now lapsed. The court have refused to recertify him until they’ve had a hearing in to the case, and the district judge has issued orders to surrender all evidence, footage, photos etc. I have done so promptly. the EA, not so much . Equita have claimed they cannot provide his bodycam footage as the camera

Thanks FTMDave, I like the cut of your jib - I'll go with that and obtain proof of postage. Encouraging that NPE have never followed through and seem to blowing hot air, let's see where they go after this Regards

Please see my comments in orange within your post.