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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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RBS - Business Account O/D + No B Manager - HELP!


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Hi, new to forum, reason for finding this forum and posting:

 

I've had 2 business accounts with them since 2003. On one (which was pretty much unused) I had a RBS Business M/card, every month, without fail, the old manager would take funds from the live account, for the exact amount needed to pay the Credit card, placing them into the dormant account, which then paid the bill..... I was so used to this, I didnt give it a thought every month.

 

March 2008, New, younger manager takes over, first month, he called me, when the CC bill came in, I explained what the old manager did every month for past 5 years, he agreed and dealt with it.

 

Over next 2 months we had one meeting and he offered me additional funding, two business loans, of £15k each and upped my O/Draft to £20K, as a business I couldnt believe how helpful he was, until......

 

June 2008, I tried to get hold of him to talk about additional funding to enhanced my business, I receive an email back from their servers saying "account unknown", I call the branch, he no longer works there, in fact he got up from his desk on a Friday and didnt come back in....... I explained i had been talking to him about enhancing business, had sent loads of information, plans, cashflows etc - they said someone would be in touch....

 

July 2008 - Nothing heard for weeks, then I call branch, I'm told someone else is dealing with the account, I speak to a female, who asks about things and says she is happy to give additional £10k onto O/D...... 10 mins later she calls back and says she cannot do it, system did let her go so far, but would not complete, so.......

 

I re-send all info and she would get back to me.......

 

Sept 2008 - I get a call from a completely different person, demanding funds to pay off my Business credit card bill, i explain the way things had worked for years previously, he doesnt care and states it was "my problem"..... I pay the bill and complain, I dont get a reply!

 

Nov 2008 - I get informed, by letter, that the bank were not happy with their "over exposed, non security" position and want me to reduce all borrowings........ I explain I cannot, I'm a business that needed extra funding not reduction then they took the Ccard facility OFF ME!!

 

Since June 2008 till Nov 2008 I hadnt had a Business Relationship Manager, everytime I called the branch and asked, they couldnt tell me who it as!!!!!

 

Jan 2009 - my accounts have now been transferred to their head office, in fact the "Special relationship" section... meaning their "hard arse section" in my opinion, all I have received since then is an offer to combine the 2 business loans plus the overdraft into 2 NEW LOANS which will cost me EVEN MORE MONEY PER MONTH to pay them off!!

 

May 2009 - I speak to a local business manager, from where the business is NOW based and he WANTS MY ACCOUNT and WANTS to support the business on HIS PORTFOLIO but head office wont do it...........

 

I want to sue them for mis-representation, I havent had a business relationship manager for over a year, I believe my business has suffered because of this, the accounts would have been better managed with a manager, I've had NO SUPPORT from them at all.

 

July 2009 - Now the "Special" guy is demanding a repayment plan from me, I've already sent him one, which he refused to accept......

 

WHO do I complain to??? each time I try and call, I get passed to my old branch who say I must speak to the "Special" guy, who in turn isnt interested......

 

HELP!!!!!!!!!!!!!!!

 

Andy

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