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    • You can't, but you can (and really should) bring up the point that the lender isn't meeting their legal obligations in selling the property for fair market value. You'll have to do this in court, though.     A receiver is bought in by the lender, not you. If they're a registered insolvency practitioner, you may be able to raise a complaint to the insolvency service but there are no guarantees here. Many receivers are also registered with the RICS and self-regulate so if you know the name of the receiver you can check there, again no guarantees.   https://www.rics.org/surveyor-careers/career-development/accreditations/registered-property-receivership-scheme
    • China green-lights mass production of autonomous flying taxis — with commercial flights set for 2025 | Live Science WWW.LIVESCIENCE.COM The EHang EH216-S autonomous flying taxi is the first eVTOL ready for mass production and could lead the way for flying cars around...  
    • Lolerz - I don't understand you.  Rebuked you?   No. I simply replied to your orange comments with legal facts as I know them.  I've already worked through the s42 and s146 issues - over the last 3-4y - and these issues are (mostly) resolved legally.  In terms of posting evidence.  Sure I can post some.  But my most recent questions have been a) how can I enforce a sale before trial?  And b) how can I make a complaint and/or a claim v receiver? (E.g. to which body do I complain?).  At the mo I'm asking for some helpful pointers on those specific questions??  I'm not asking for help with how to prove or present evidence. Fwiw - all evidence for trial has been disclosed (although additions are poss). The lender sent me like 10,000 emails and docs.  There's also 000s of emails, docs, photos, videos, recordings and texts that relate to freeholders/ me.   I read, filed and categorised everything for ease of future reference.  Witness statements and evidence were prepared for trial in the 42 and 146 matters. (now joined with current claim to save duplication).  I've lived the process before.  My current statement and linked evidence has taken like 6 months to draft/ write - to ensure I can succinctly prove my defence and counterclaim points.   Whether I can convince a judge at trial w/o lawyer / barrister is debatable 🙄   But I've prepared.  And continue to try better prepare - which is why I visit this site (and clinics).  This is NOT my business or expertise at all.  I'm just trying.  Not that anyone should ever have to justify why they need help if they ask politely! 
    • Thanks for the other info will also take a look at that.
    • It doesn't use the word reconstructed in the cover letter.  Although, I have just noticed on the cover letter they have asked me to complete a financial statement and offer a repayment within the next 10 days, or they will continue to follow court directions.  They sent a separate letter on the same day advising me they will be continuing with their claim ?  They have done the same for both claims.  Is it worth just doing that - doing the financial breakdown and offering a x amount.    
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Northern Rock dodgy documents and agreements.


Guest mediaseller
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Guest mediaseller

NRAM (Northern Rock), dodgy documents and agreements.

 

Hi and thanks to all who contribute to this site.

Flushed with success at my PPI refund with another Ex creditor I thought I'd start on my NR mortgage.

 

In 2006 I re-mortgaged my house with NR to pay off a previous mortgage and some loans (taken out with NR).

 

The present account is not the 16 digit account that I read about though I can only find the mortgage offer and not the agreement.

 

Also I believe that there is PPI on some of the other loans I had with them in the past (and perhaps the current one).

My thrust of action is threefold.

 

  • Does the dodgy documentation apply to me since the ?

 

  • Have I been miss-sold the mortgage because it was for 30 years and I'm in my early 60s now and no proper suitability check where carried out by NR.

 

  • Finally I will be tackling the PPI as normal.

 

I suppose the first thing to do is get my paperwork from them so in light of my three pronged action would I be advised to get a full SAR and CCA request in the first instance?

 

I look forward to your comments as usual.

 

Kind regards

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Hello mediaseller,

 

Nice to see someone having a go as it were.

 

I would get a subject access from NRAM before you start litigating with them. Tell them nothing until you have all of the information.

 

I would also get copies of the mortgage deed from Land Registry.

 

When you get it all and review I am sure it will make for interesting reading........

 

They are having a very difficult battle at the moment, with someone I know.....

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  • 2 years later...
Guest mediaseller

Hi All.

 

I have received all of the data that NR hold about us following a SAR request and the problem is that it's disorganised and there is about two reams of paper.

 

Can anyone suggest a way of organizing it for easy access please?

 

Kind regards.

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by loan or mortgage numbers

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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