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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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Are Capital 1 contacting customers? ***WON***


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My mum phoned me today to say she has had 2 phone calls from capital something asking to speak to me.

They wont tell her anything and just say they will phone again another time to talk to me.

I closed my account with them 5 years or so ago but had a maxed out £3K credit card with PPI for a number of years.

I was going to send off a SAR to them but it appears they might want to contact me instead?

Anyone been approached?

I did phone there customer services but they cant access my account details and said I should write to them.

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Hi there

 

You say you closed your account but it was maxed out? Can you clarify please.

 

I doubt whether they are contacting you to offer you a refund....doesn't sound like Cap1 to me.

 

If there was a debt then it is more than likely they are contacting you because its getting close to being Stat Barred.

 

ims

 

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Hi

 

So no debt on the card....if you're sure then probably nothing to worry about. In any event, if its that important they will write to you.

 

You mention ppi on the card. If this was mis-sold you can claim it back if you wish.

 

ims

 

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You shouldnt telephone them.

 

Make your initial request for refund of mis sold PPI by letter, send either recorded or special delivery post and keep the receipt.

 

If you dont have all your statements, then send a Subject Access Request to Capone.

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Well Got all the info today!!

No point being paranoid about signatures as they do keep originals on file you know!

My original application form is there with PPI ticked as NO

There data screen dump shows PPI Required NO

1st statement has PPI added along with the next 3 years or so!

Now going to put it all in a spreadsheet and work out what is owed to me.

I hav'nt looked at the option of adding interest yet, can someone point me in the right direction of what I can claim? is it based on APR?

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Well Got all the info today!!

No point being paranoid about signatures as they do keep originals on file you know!

My original application form is there with PPI ticked as NO

There data screen dump shows PPI Required NO

1st statement has PPI added along with the next 3 years or so!

 

Sounds Like Open & Shut Case to me then

 

Now going to put it all in a spreadsheet and work out what is owed to me.

I hav'nt looked at the option of adding interest yet, can someone point me in the right direction of what I can claim? is it based on APR?

 

I've attached a spreadsheet which will do the calculation for you.

 

You only need to enter list data in columns A, B and C. Change the APR figure in the blue section to the rate they were charging you for purchases. The daily rate below it will alter itself. Amend your personal details in the blue section. This si then your Schedule of Claim (SOC).

 

Fire this sheet off to Cap1 together with a completed fos questionnaire (download from fos website) and a letter reclaiming the ppi payments and stating on what grounds you were mis-sold.

 

Personally I like the templates here...

 

http://www.thisismoney.co.uk/money/bills/article-1606652/LETTER-TEMPLATE-Mis-sold-PPI.html

 

Don't be surprised at how the interest your claiming mounts up....it can amount to quite a bit on a credit card claim.

 

Regards

 

ims

 

CompoundInt.xls

 

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This makes my claim over £3K for £880 PPI charges! Does this seem right?

Do I put the end date as today or when the PPI ended in 2007? I cancelled it in 2007 when people started finding out about the [problem].

The interest rate for purchases was 26.94%

I had previously filled out the same spreadsheet but at 8% statutory interest which came out at £1200 ish.

I need to make sure I get this right so they dont try and fob me off too much (I know they will and am happy to go to court.)

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This makes my claim over £3K for £880 PPI charges! Does this seem right?

Do I put the end date as today or when the PPI ended in 2007? I cancelled it in 2007 when people started finding out about the [problem].

The interest rate for purchases was 26.94%

I had previously filled out the same spreadsheet but at 8% statutory interest which came out at £1200 ish.

I need to make sure I get this right so they dont try and fob me off too much (I know they will and am happy to go to court.)

 

Like I said....compound interest can mount up to quite a sum.

 

If you're happy you have entered the date of the payment in column A, the nature of the payment in column B and the amount of the payment in column C then the resultant figures will be fine. If you want me to check it, post up your spreadsheet (MINUS PERSONAL INFO) and I'll take a look for you.

 

The end date is right up till now....after all, they have had your money up till now.

 

Regards

 

ims

 

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See attached!

 

Hi

 

Looks fine to me.

 

Funny, I thought I'd formatted column C as a currency column. Still never mind.

 

Ok so fire this off as advised above. As you're happy to go to court, you can set the timescales so I would start with the first letter giving them 14 days to repay the money.

 

Regards

 

ims

 

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Ok going to print all this at work tomorrow and send it of pronto.

These loosers have really ticked me off, I was sure I was miss sold this and now I know for sure. No policy details on file, no signed agreement, boxes ticked no on forms and computer.

These people are crooks and should be treated appropriately.

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A few last questions before bed.

Is there a LBA Template that I can mod, In my case I was not sold PPI but rather just given it without knowledge. I have no records of agreements from CAP1.

Do I go in with LBA straight away or do a preliminary letter first?

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