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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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Peanut Vs RBS robbers


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Hi All,

 

I like you all am after refund of charges with RBS, ive been reading your threads and have a couple of questions if anyone can help:

 

I have received what appears to be a standerd letter of defence from Cobbetts, Part 18 ect, I have also received my AQ questionare, i am proposing to reply to Cobbets with the letter in Agusta 109s thread but at the foot of the template it suggests one figure to be entered, Q. what does this figure represent?

 

And a lot of people are talking about a spread sheet showing details of particular charges and dates ect, I originally sent RBS a list of Dates and the particular charge taken on that date and then i gave a cumulative figure for interest,(i did not detail interest against each date and charge)

 

Details of each individual charge...................

 

25/01/2006 35.00

11/04/2006 35.00

ect

ect

 

i.e: Total of charges 1726.00

+ interest 254.30

total of claim 1980.30,

 

can i send details in this format to Cobbetts?

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How did you calculate the interest? what rate did you use?

 

If you are sure its correct then a cumulative figure should be ok.

 

Cobblers do like it to be itemised though and may try to stall.

if its not too much trouble i would put the figures into the spreadsheet and itemise everthing. They then have NO excuses. They are famous for stalling at the slightest mistake.

 

Dave

** We would not seek a battle as we are, yet as we are, we say we will not shun it. (Henry V) **

 

see you stand like greyhounds in the slips,

Straining upon the start. The game's afoot:

Follow your spirit; and, upon this charge

Cry 'God for Harry! England and Saint George!'

:D If you think I have helped, informed, or amused you do the clickey scaley thing !! :D

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Guest BlueRuby
They are famous for stalling at the slightest mistake.

 

Dave

 

But they make plenty themselves :rolleyes: I'm with Dave, don't give them any excuse to delay a settlement.

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Used the interest calculator on this site, rate 8%, now i have calculated interest against each individual charge i get a different figure, out by 4.54p in total so back to my original question, shall i just put a rounded up figure for interest to Cobbetts or shall i itemise each one and hope they dont get a calculator out and add all the little bits of interest up and find i am trying to claim 4.54 more in interest than im entitled to do.

 

Mistake must have been on my original calculation, checked and double checked this time.

 

Please help

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its best to itemise each one.

 

date, type of charge, amount, calculated interest @ 8%

with total charges and total interest at the bottom

 

Or Just send the whole spreadsheet printout showing the interest as well.

 

the 4.54p may not be your fault... the spreadsheet uses .00022 to calculate interest when more properly it should be .0002191

 

it makes a difference (small)

 

Dave

** We would not seek a battle as we are, yet as we are, we say we will not shun it. (Henry V) **

 

see you stand like greyhounds in the slips,

Straining upon the start. The game's afoot:

Follow your spirit; and, upon this charge

Cry 'God for Harry! England and Saint George!'

:D If you think I have helped, informed, or amused you do the clickey scaley thing !! :D

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Cheers for the reply Dave, i am ready to sent my letter to Cobbetts (used template from Agusta109s thread, i am including schedule of charges showing interest against each charge and cumulative figures.

 

I am about to complete my Allocation questionare, are there any templates advice located anywhere to assist me to complete the questionare?

 

PS UR A GOOD MAN

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Hi All,

 

I have just posted my reply tp Cobbetts & will hand my questionare to the court offices tomorrow (deadline for reply to court is 27 Sept).

 

I have noted in my letter to Cobbets that my bank have been sent my schedule of charges on 2 previous occasions.

 

Will sit and wait for letter from Cobbetts now.

 

Some of you have had some form of offer by this point, would there be any particular reason in your opinions why i have had no form of offer at any stage?

 

Soldier on.

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I got an offer even before my threat to take them to court.

 

Cant start proceedings just yet because i'm skint and I know it will cost me £250 plus £100 for the AQ later........ Why dont they just pay up and stop all this malarky.

 

ps just got this months statements with another £120+ worth of charges on it

 

grrrrrrrr

 

Dave

** We would not seek a battle as we are, yet as we are, we say we will not shun it. (Henry V) **

 

see you stand like greyhounds in the slips,

Straining upon the start. The game's afoot:

Follow your spirit; and, upon this charge

Cry 'God for Harry! England and Saint George!'

:D If you think I have helped, informed, or amused you do the clickey scaley thing !! :D

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Hi All,

 

I have today received a coppy of the allocation questionare that Cobbetts submitted, I noted that they had ticked the Yes box for the question Do you agree that the small claims track is the most suitable track for this claim.

 

And they have included a photocopy of the response letter and schedule of charges that i sent to them in response to there requesst for more info.

 

Is this normal ?

 

Keep up the good fight.

 

Peanut

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  • 2 weeks later...

Hi All,

 

Just a quick update:

 

Phoned the court today to get an update, they say that my case will be looked at this week so i should her from them next week.

 

Any ideas as to what i should hear from Cobbetts once a court date has been set?

 

Cheers

 

Peanut

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