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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
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    • 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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Noumidia Vs Capitalone


Noumidia
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Hi Ford

I got an email from Small Claims Telephone Mediation as both parties have filed DQ (N180) and have all requested mediation and provisional appointment time and date is on 26/02/2018.

I have not being on mediation before and don't know what to expect. Here is the copy of the email I got today.

Small Claims Telephone Mediation Service.pdf

Delegating Authority to mediate (attachment) (1).doc

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a##mediation will ask have you all the paper work requested from the claimant , if not state not suitable for mediation & pass back to the court system,. or if an offer has been put on table they will pass info from you and them and mediate between you, depends on your situation?

:mad2::-x:jaw::sad:
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  • 2 weeks later...

Simply put an offer to them in mediation that you are prepared to accept and settle without the need to proceed to trial....if they reject it.... you proceed...you have participated in mediation but it failed.

 

 

Andy

We could do with some help from you.

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If you do proceed please consider that you will have to pay a further hearing fee ...so look at what you have initially claimed...work out the interest section 69 amount plus the hearing fee and offer that as a discounted settlement amount

We could do with some help from you.

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Hi ...okay so its already cost you £410 to issue the claim...you will have to pay a hearing fee of £335.00 if it goes to allocation.....your section 69 interest is at £739.

 

So if you were prepared to settle on the initial debt amount £8k...thats a discount of £1400.00...otherwise if you win they will have to pay £9.5

We could do with some help from you.

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Fair enough...although I do not know how they reached that decision...as you are the claimant with all the necessary documents and pleadings of your case.

We could do with some help from you.

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  • 2 weeks later...

Hi

 

Here is the claim history,now is transferred to local county court

 

You submitted a claim on 08/12/2017 at 15:00:42

Your claim was issued on 11/12/2017

Capital One (Europe) plc filed an acknowledgment of service on 19/12/2017

A bar was put in place for Capital One (Europe) plc on 12/01/2018

Capital One (Europe) plc filed a defence on 12/01/2018

DQ sent to Capital One (Europe) plc on 12/01/2018

Capital One (Europe) plc filed a DQ on 30/01/2018

DQ filed on 30/01/2018

Your claim was transferred to CROYDON on 02/03/2018

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So Notice of Allocation next...this will contain the court directions (Disclosure and Witness statement exchange) and fee payment date for the hearing.

 

 

Andy

We could do with some help from you.

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  • 1 month later...

Hi

The update to the case. The claim was transferred to CROYDON on 02/03/2018, it seems the court couldn't find the particulars claim therefore,the court send mean order lettre saying " The claim remain stayed pursuant to the order dated 12/04/2018 until claimant files at court 2 copies of Particulars claim which comply with CPR16.4(1) and which is endorsed with a signed Statement of truth."

My question is

1) Do i date the POC of today date or dated when the claim was issued (11/12/2017).

2) If i put the present date do i change the amount claimed due to interest which was calculated on 11/12/2017.

Any suggestion would be helpful.

Thank you

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  • 6 months later...

Hi Everyone

Today, I received The "Notice of Allocation to the small Claim Track ( Hearing). So the hearing will take place on the 18 February at the county court at Kingston-upon-Thames. In their defence (paragraph26) they mentioned that the claim is time barred under ( Limitation Act 1980) because I did not include the act in my POC by the virtue of s32 (limitation act 1980 as per Kleiwort Benson V Lincoln City Council) for charges older than 6 years. So could I include this act in my Statement and to start preparing my court bundle.

Anyone had a case against Capitale one? Here is the attachment of their defence.

 

Thanks

Noumidia

Edited by Noumidia
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Yes you refer to s32 (limitation act 1980 as per Kleiwort Benson V Lincoln City Council) in your statement and a copy in your disclosures.

 

Andy

We could do with some help from you.

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No a witness statement is a particularised version of your particulars...in detail explaining your claim with reasons and supported by exhibits.

We could do with some help from you.

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Hi

Please I need help for preparing a statement of evidence. I have 3 statement of evidence copied from con summer Wiki but I don't know which one to choose and build my statement of evidence.

 

Any assistance would be very helpful

 

Noumidia

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Hi

Please I need help for preparing a statement of evidence. I have 3 statement of evidence copied from con summer Wiki but I don't know which one to choose and build my statement of evidence.

 

Any assistance would be very helpful

 

Noumidia

 

The following should give you some idea of form content layout etc.

 

 

Witness Statement BArclays reclaim.pdf

 

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

 

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