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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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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      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.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

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      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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RBS Staff Lying & Losing Documentation & ID


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Hello,

 

I currently bank with RBS with a Key Account and went into the branch to complete all the paperwork needed to turn my account into a joint account with my wife, all her ID was photocopied in branch and everything was handed over the counter to speed up the whole process. What has since follows has caused me stress and I would appreciate some help please?

 

Its not been over 3 weeks since everything was completed and handed in at the branch, I have since tried to chase and update and gain a status report on how everything is going. The initial response from the branch was that there was a slight delay in processing and that I would give it another few days which i did. I was then went back in at the customer service advisor said that she could see all my completed paperwork and ID scanning in front of her on the computer system along with a covering note saying that there was a delay and to apologise to the customer.

 

A few days later I called the direct banking number for a different matter and asking is passing if my wife has been added onto the key account and if it was not a joint account. He went off and came back say that there was no request to do such as thing and that I needed to go to branch. I then said that the advisor in the branch said that she could see all my ID and documentation in from of her on the computer system. The telephone advisor sounded a little shocked and said that there was no way that the branch would be able to see this and that I should return again to branch which i did.

 

in the branch, after promising to call me back on 3 failed occasions a different advisor called up processing to ask what was going on and came back to say that no paperwork was received and that it must have gotten lost in the branch. I explained that the other advisor said she saw all my documentation and paperwork on the system and her reply was that paperwork can sometimes just "drop off" the system.....

 

Help...

 

There seems to customer service telephone department only direct banking, the branch are pretty useless at phoning me back and I am still awaiting for 3 separate call backs which have never happenned. The customer relations email department dont seem to want to know either and I am just beating my head against a brick wall..

 

What can I do?

 

is this right?

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I had a similar problem with Lloyds, i went in initially (on a Sunday, some Lloyds branches are open) to enquire why money had been taken out early (I had Direct Debits set up to come out on the monday), I was told various reasons why this happened, some just didnt make sense, including i must be lying 'coz no branches were open on a Sunday !

 

Any I was told the debits would be reversed, I then had various phone calls from the branch, the call center and most didnt know what the hell was going on, eventuially I always asked to be put through to a manager and eventually one did call me back and admitted it had all been handled badly, she asked what she could do to help and they arranged an emergency tempoary loan (I had just started a temp job and need train fares).,

 

As your problem there isnt an obvious answer other to try and get through to the right people, make notes of everything that happens and put it all in writing if needs be and send it to their complaints department.

 

Andy

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