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    • I have had a secondary thought.  I borrowed £s from a completely separate entity 6y ago. It was personal and unsecured. I was going to repay upon sale of the property. But then repo and I couldn't.  Eventually they applied and got a charging order on the property.  Their lawyers wrote that if I didn't repay they may apply for an order for sale.  I'm not in control of the sale.  The lender won't agree to an order for sale.  The judge won't expedite it/ extract from trial.  Someone here on cag may or may not suggest I can apply for an order v the receiver?  But could I alternatively ask this separate entity with a c.o to carry out their threat and actually make an application to court for an order for sale v the receiver instead?
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    • Not Evris offer, the court offers mediation service.   All claims proceed to hearing if mediation fails /not happen.   Why do you not wish to attend in person to stand your claim ?     Absolutely you must comply with the courts directions or your claim risks being struck out. Preparation for a hearing should happen irrespective of mediation.   https://www.consumeractiongroup.co.uk/topic/460613-suing-a-parcel-delivery-company-when-you-dont-have-a-direct-contract-with-them-–-third-party-rights-copy-of-judgment-available/#comment-5255007   Andy  
    • LPA.  (I'm fighting insolvency due to all the stuff that he and lender have done).  He appointed estate agents - (changed several times). Disclosure shows he was originally appointed for a specific reason (3m after repo) : using his powers as acting for leaseholder to serve notice on freeholders (to grab fh).  There was interest from 3 potential buyers. He chose one whose offer depended on a positive result of the notice.  Disc also shows he'd taken counsel advice - which was 'he'd fail'.  He'd simultaneously asked to resign as his job (of serving notice) was done and he'd found a buyer.  Lender asked him to stay on to assign notice to the buyer.  Notice failed, buyer didn't buy.  So receiver stayed.  There was 1 buyer who wanted to proceed w/o fh but receiver/ lender wasted 1y trying to get rid of them!  Disc shows why. But I didn't know why at the time. In later months Lender voiced getting rid of receiver. Various reasons - including cost.  But there's a contradiction/ irony: as I've seen an email (of 4y ago) which shows the receiver telling lender not to incur significant costs and to minimize receiver costs.    Yet lender then asked him to serve another notice - again counsel advice indicated 'he'd fail'.  And he did fail.  But wasted 3y trying and incurred huge legal costs - lender trying to pass on to me. Lender interfered - said wanted to do works.  Receiver should have said no.  But disc. shows he agreed to step aside to let them do the works - on proviso lender would discuss potential costs first (they didn't), works wouldn't take long (took 15m), and lender would hold interest (they didn't) (this last point is crucial for me now - as I need to know if I can argue that all interest beyond this point shouldnt be allowed?)   I need to check receiver witness statement in litigation with freeholders to see exactly what he said about 'his position'. But I remember it being along the lines of - 'if the works increased the value of the property he didn't have a problem'.  Lender/ receiver real problems started at this point. The cost of works and 4y passage of time has meant there is no real increase in value. Lender (or receiver) didn't get any permissions (statutory or fh) (and didn't tell me) and just bulldozed the property to an empty shell.  The freeholders served notice on me as leaseholder for breach of covenants (strict no alterations).  The Lender stepped in (acting for me) to issue notice for relief of forfeiture - not the receiver.  That wasted 2y of litigation (3y if inc the works) and incurred huge costs (both sides).  Lender's aim was to do the works that every potential buyer balked at due to the lease restrictions.  Lender and receiver knew couldn't do works w/o fh permission. Lender did them anyway; receiver allowed.  Receiver remained appointed.  I'm arguing lender interfered in receiver duties.  Receiver should have just sold property 4-5y ago w/o allowing any works.  Almost 3y since works finished the property remains unsold (>5y from repo). The property looks brand new - but it was great before.  The lender spent a ton of money - hoping that would facilitate a quick sale.  But the money they spent and the years they have wasted has meant they had to increase sale price.  It's now completely overpriced.  And - of course - the same issues that put buyers off (before works) still exist.   The receiver has tried for 2y to assert the works increased value. But he is relying on agents estimates - which have proved highly speculative. (Usual trick of an agent to give a high value to get the business - and then tell seller to reduce when no-one buys.). And of course lender continues to accrue interest (despite 4y ago receiver saying pause interest). Lender tried to persuade receiver to use specific agent. Disc shows this agent was best friends with the lender's main investor in the property.  Before works this agent had valued it low.  After works this agent suggested a value 70% higher!  The lender persuaded receiver to sack one agent and instead use this agent.  No offers. (Price way too high).   Research has uncovered that this main investor has since died.  I guess his investment is part of probate? And his family want it back?    Disc shows the sacked agent had actually received a high offer 1y ago.  Receiver rejected it.  (thus I don't know if the buyer would have ever proceeded). He was relying on the high speculative valuation the agents had given him to pitch for the business. The agents were in a catch-22.  The receiver sacked them. Disc shows there has been 0 interest ever since (inc via new agent requested by lender). I don't think lender or receiver want all this to come out in public domain via a trial.  It will ruin their reputations. If I can't get an order for sale with lender - can I apply separately against receiver?
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Lowells/? claim form - OH's old Vanquis card 'debt'***Settled by Tomlin Order***


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sorry I forgot to update this thread.

 

 

I emailed Lowells and suggested a Tomlin order.

 

 

which they agreed to and was all signed off.

 

 

I suggested the order be for the balance on the statement minus any overlimit and late fees, and also referral fees, so total was about £500.

 

Many thanks to all here who helped with this :-)

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Well done MF...thread title amended to reflect the outcome.

 

Regards

 

Andy

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  • 1 year later...

Hi Everyone, hope you can help me here.

 

I am pretty annoyed with Lowells at the moment. every month for the last few months I've been receiving a letter saying that I missed that months payment, I sent an e-mail querying this to Lowell and asked why I was getting this letter as I have not missed any payment.

 

I got this reply

 

"Apologies for the delay in response.

 

Upon investigation of your account, we can see that the Standing Order was agreed and set for the 20th of each month.

 

Our records show that a payment has not been made on this date since July 2017.

 

As the payments have been made late, the letter advising the payment was missed, is automatically generated and sent out.

 

I have amended the date of your payments to the 29th of each month. This should avoid any further correspondence for missed payments, that have, in fact, been made.

 

Please make sure that the Payment arrangement is adhered to in order to avoid any further legal proceedings.

 

Kind Regards"

 

I checked the paper work and previous e-mails and all says the agreement was made for the 28th of the month.

 

so I sent this reply to them

 

"Dear Sir or Madam.

 

I am not very happy with this response.

 

You have suggested that I set up a standing order for the 20th of each month when I do not receive payment from my job until the 24th of each month, so I went back through my documentation to check this and found an e-mail dated 21st Feb 2017 (a screenshot was inserted here)

 

which clearly states that the first payment was due on 28th Feb and then the 28th of each month thereafter, incidentally I made the first payment on 24th and it was confirmed as received on the 27th (as I had been given an incorrect reference number!) but even so this is again before the agreed date of the 28th.

 

Further to this you will find the Tomlin order itself states on the second page under SCHEDULE

 

that 1. The defendant agrees to pay the claimant the sum of £20 per month commencing on 28th February 2017 and thereafter on the 28th day of each month until the sum of £546.00 (including costs, interest and fees ) is paid in full.

 

I have given below a list of payments made by me, you will notice that ONE payment was a few days late - due to a problem I had logging into my internet banking (highlighted in green) but you will also notice that I paid Novembers payment twice! (highlighted in blue) so if anything I am actually paying a month in advance! (here I inserted a spreadsheet of payments that I downloaded from my bank account - not a statement but just a list of transactions to Lowell)

 

So in light of the above I would suggest that you adopt a slightly different tone. I do not appreciate this sentence in your e-mail below. "Please make sure that the Payment arrangement is adhered to in order to avoid any further legal proceedings. " and this sentence in your latter dated 30th May "please ensure that you maintain payments as failure to do so may result in further action being taken"

 

My payment arrangement has been adhered to bar one payment which was late which is explained above and was rectified as soon as I could.

 

My other query is that the Balance at the beginning was £546, I have made payments totalling £340 (as detailed above), so my balance should be £206, yet your letter dated 30th May 2018 states that my balance is £246, please explain this discrepancy.

 

I would like clarification on where exactly you have got the information that my payments were due on the 20th?, please provide copies of any documents you have that state this.

 

Thank you"

 

and today I have received a letter though the post (why not by e-mail I don't know!)

 

this letter states

 

"We refer to the above matter and e-mail dated 7th June 2018

 

We note the contents of your e-mail and confirm the the outstanding balance is calculated as such, the agreed amount was for £546, we have received payments in the amount of £300 . this leaves an outstanding amount of £246.

 

The following are the payments we have received

 

(and they have listed a load of payments the first 5 payments re all listed for the 20th July 2017! my first payment was on 24th Feb??? and my payment in July was made on the 25th July not the 20th!

 

Then their payment list goes

 

29/08/2017

26/09/2018!!??

26/10/2018!!??

28/11/2018!!??

28/12/2018!!??

then 26/01/2018 and onwards to 29/05/2018

 

they have not mentioned the double payment in November!

 

then their letter goes on to say

 

" These are the payments we have received from yourself with corresponding date, please provide a bank statement as evidence of any further payments made. once we are in receipt of this, we will be able to review any discrepancies with our finance team.

 

You will also note that in the latter dated 30th May we confirmed the the arrangement was set up for 29th of each month to avoid the missed payment letters being sent out to yourself by the system.

 

We apologise for any inconvenience this may have caused you"

 

Now I am really annoyed.

 

Can someone please help me with a response.

 

I am not sending them my bank statement - the list I sent them is a csv download from my bank account already!

 

Also their list of payments is all over the place!

 

and they haven't answered my questions about where they got the initial agreement date of 20th of each month from

 

not to mention late last paragraph about the arrangement date being set up for the 29th of the month, I asked them to show me evidence of why they set it up for the 20th, they're trying to fob me off and I'm not having it!

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Well this is lowell...where there is no sense :-)

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

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can anyone help me with reply please.

I want to tell them that

1. the list of payments I sent to them is a download from my online banking and so I am not sending them bank statements.

2. that their lists of payments is total rubbish!!

3. and that they have lied when they said that the arrangement was setup for the 20th

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Simply continue to make the payments on the due dates...keep your record...and stop payment when balance paid....leaving a balance of £40

 

There is no need to get into nonsensical letter tennis with the numpties...it will make you ill.....this is lowell...where there is no sense.

 

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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