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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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Capital One - PPI help **WON**


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Hi all,

 

Not been here for a while but wanted to ask for some help.

 

Recently I went down the route of doing a PPI claim via Resolver with Capital One and I was sent a letter confirming I had previously had PPI and they were investigating.

 

Today, I received a letter from them outlining their decision and why.

 

The document they have sent me is 4 pages long and they have said that I ticked a box for PPI when I signed up for the card, I never did, I specifically recall having to call a number to activate my card and on I went to spend a few quid.

 

I do recall seeing the payments on my card statement and to be fair, I never put two and two together and just left it, assuming it would be a good idea to have it.

 

I'm happy to post up a copy of the pages tomorrow for you to look through, if someone would be kind enough, I know you guys really helped us last time.

 

They are stating something about a case Plevin v Paragon.

I've had a look on google but it seems a bit mind boggling to be honest.

 

They (Capital One) claim a decision is to be made by the end of August 17 and my case would be "automatically reviewed" but after coming back here and seeing numerous posts about Capital One and the claims process I am seriously doubting the document and would really appreciate the help of the geniuses here that helped us previously.

 

Would be grateful if someone could advise on what to do next,

I'm sure I am on a timescale and I know I never ticked a box and I am almost 100% sure that when I applied for the card it was online / via phone.

I've never applied for a card via post, ever.

 

The card was taken out 2000 and cancelled 2004.

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Capital one know full well that it was done over the phone and you were conned

 

Loads of threads here on the little white sticker on card that said "ring this number to activate"

Funny thing is the card was already active

And it was to do with activating the the card protection

 

Sar them

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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you've no details yet

sorry but resolver is useless in doing PPI reclaim

as its simply a speculative letter and you'll get a fob off

as you've no data to back up your claim

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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  • 1 month later...

Capital One returned no such information they claimed on their decision letter.

 

I then approached Financial Ombudsman and a few minutes ago received a letter that the adjudicator has upheld my complaint and Capital One are going to make me an offer of compensation.

 

I don't know what it will be yet so have to wait for that but it's looking positive. There is just a part of me that is extremely annoyed that they (Cap One) tried to get rid of me with a letter with what really was lies.

 

I'll update again once I know, they suggest up to 8 weeks though.

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  • 3 weeks later...

I just wanted to pop back and let everyone know how this has gone.

 

Since the CapitalOne claim I did, I have had 3 others as well and for the benefit of anyone else asking same or similar questions.

 

I used Resolver (I know DX100UK said it wasn't the best) but after doing the CapitalOne claim I tried others but added a lot more information. I have now had successful payouts from Natwest (who were by far the easiest to deal with and actually, didn't argue). £5670.

 

CapitalOne are now paying out, cheque should be with me in a few days - £423.00 it does include a few pence over but just rounding to the nearest pound.

 

The Associates (CITI) - awful trying to deal with them, but they have admitted liability for £1150.

 

CapitalOne and Associates (CITI) were referred to the FoS and they upheld my complaint.

 

I know that this group does great work with helping people and we are so grateful and will be making a donation in the next wee while.

 

Thank you kindly to everyone here and I wish everyone a Merry Christmas (early) as I hope to not be back before then - in the nicest possible way.

 

Spacedood. :whoo:

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Thanks for the update spacedood and well done on getting some cash back, my Cap 1 claim is still with the Ombudsman, it's been a nightmare.

I also eventually got my cash back from the Associates (Citi).

 

Have a good Christmas when it comes.

 

:thumb:

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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