Jump to content


  • Tweets

  • Posts

    • 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.
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      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
        • Like

Sainsburys Credit Card / Blair, Oliver & Scott - Deceased Client


gooey1
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4146 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Firstly, apologies if I've picked the wrong sub-forum! Living in Scotland, I thought this would be the appropriate place in absence of a Sainsbury's sub-forum.

 

My mother passed away recently and has a credit card with a small balance (under £400) remaining to be sorted out.

 

We contacted Sainsburys at the start of December to notify them and were told that the 'Bereavement Team' would be in touch. It's been over a week now and we've heard nothing. Concerned, we give Sainsburys a call today to find we're automatically transferred to Blair, Oliver & Scott - a debt collector.

 

What appears to have happened is we've notified Sainsburys, they've done absolutely nothing and now since the bill wasn't paid (only just overdue today, which adds insult to injury), they've passed my mother's account to debt recovery. Disgusting behaviour.

 

I'm trying to find out what my next steps are or should be. I have received a number for this 'Bereavement Team' and plan on giving them a call tomorrow however I'm really concerned with the poor manner in which they've handled the situation. It doesn't inspire confidence in resolving this with them.

 

When speaking to Blair, Oliver & Scott; they refused to discuss due to DPA (believe technically this doesn't apply however can accept companies exercise some caution), refused to send the debt back to Sainsburys and refused to confirm they wouldn't send any debt chasers out. Just pointed me back to Sainsburys.

 

I'm trying to understand what I should expect from Sainburys.

 

At this point, I'm concerned that they'll try and lump 'late fees' and interest onto the account however I'd appreciate any advice that can be offered in regards to the legalities around paying back an unsecured debt and steps I should take to ensure Blair, Oliver & Scott (or any other third party) don't have access to or are permitted to contact us in relation to this account - it would cause further distress to my father/family and I want to ensure this doesn't occur.

 

All advice welcome.

Link to post
Share on other sites

Well well well, Sainsbury's doing all in their power to alienate customers.

 

Firstly, you should IGNORE Blair Oliver & Snot, they are really the Bank of Scotland, so adding further insult to injury!

 

You need to enter into Sainsbury's complaints procedure and exhaust it, this behaviour is beyond reproach and should this get out into the public doamin, the media and press, then they will look very very callous.

 

Whilst BOS are the underwriters for the card, you should ignore them and deal directly with Sainsbury's.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

Link to post
Share on other sites

Hi Welcome to CAG, sorry to hear of your loss!!

Is there any value in the estate after any priority debt or commitments?

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

Yes sorry Gooey, welcome and I am also sorry for your sad loss.

 

Just wanted to get in before Brig......

 

It grinds my gears when corporations put profit before people which is why I advise the way I do, personally, IMO, because of Sainsbury's actions I would leave them at the very bottom of clowns to pay.

And I'd spread the word using the medium of press and media.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

Link to post
Share on other sites

@Brigadier2JCS - Hi, other than the family home; I don't believe there is - though I'd need to double check for 100% accuracy.

 

@Bazooka Boo - It's something I'm definitely considering. When push comes to shove, it's with B,O & S for less than £10.

Link to post
Share on other sites

Yes sorry Gooey, welcome and I am also sorry for your sad loss.

 

Just wanted to get in before Brig......

 

It grinds my gears when corporations put profit before people which is why I advise the way I do, personally, IMO, because of Sainsbury's actions I would leave them at the very bottom of clowns to pay.

And I'd spread the word using the medium of press and media.

 

Behave Boo:madgrin:

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

Sorry to hear of your loss.

 

Yes, you need to make an official complaint to the top level of administration about this appalling behaviour. Not only from Sainsbury's themselves, but their 3rd party agency Blair Oliver.

 

How ridiculous, if they wont speak to you regarding this, citing DPA - how do they expect to get something resolved ?

 

Please Note :-

 

If there is no money in your Mother's estate - you are NOT resonsible for the debt, neither is your Father.

 

If there is money available, then this is a very low priority debt - and should go to the bottom of the list.

 

You also want a final accounting, there should be no question of you paying any late charges or interest on those charges.

 

I find it quite disgraceful that, having informed them of your Mother's death, Sainsbury has immediately passed this on to a Debt Collector !!

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...