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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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hi all,

 

I used halifax website to submit my ppi complaint.

 

they correctly discovered my old loan and credit card 2004/6 and sent me a 7 page questionaire to complete and gave me six weeks to do so... I just had a text msg to say three weeks later they are still waiting

 

questions:

can they really give me timescales to complete their form?

do i really need to complete their form... can i send them a completed fos form which requires much less information?

shouldnt i send them one sar for full statement for each acciunt?

 

any help would be gratefully received

 

zubo

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sar is for ALL the info they hold on you!

but await until GDRP kicks in after the 25th the SAr is Free

 

no use the FOS form!!

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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hi all

 

Not sure why but ive downloaded fos questionarre and using windows 10 and word 2016 i simply cannot enter data into it... it claims the document is protected but i have tried everything i know ... i am an experienced it pro... and its all locked down..

 

has anyone got an unprotected copy or maybe a cag one...

 

btw can some kind admin person change my permissions to post in the library.... many thanks

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Sorry but we don't allow caggers to post in the library. If you think that there is a document we should be there then please let us know.

 

Please can you post a link to the FOS document that you are having difficulty with.

 

Sometimes these protected documents need to be saved onto your own PC under a slightly different name. Have you tried this?

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You have to click " enable editing " in the yellow bar at the top of the doc (protective view)

 

Download the Doc version not PDF and then save as PDF once completed.

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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Sorry but we don't allow caggers to post in the library. If you think that there is a document we should be there then please let us know.

 

Please can you post a link to the FOS document that you are having difficulty with.

 

Sometimes these protected documents need to be saved onto your own PC under a slightly different name. Have you tried this?

 

thanks Bankfodder ... the Library access makes a lot of sense...

 

link is here http://www.financial-ombudsman.org.uk/ppi/im-looking-for-your-ppi-forms.html#forms-2

form is attached

 

thanks

 

ppiq.doc

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hi all

 

i am working through the fos ppi questionnaire and worried about a question about

 

c4 have you missed any payment...

 

in the period concerned 2004-2007 i struggled with excessive debt and across 12 or more accounts or loans i stopped paying and issued letters citing unlawful agreements. for the best part of ten years i was inundated with collection demands.

 

so although for a few years i paid ppi ... i left a lot of debt they had to write off.

 

so my question really is ... will this affect any ppi repayment or are they obliged to repay me ppi regardless of outstanding balances??

 

i have had questionairres sent to me by Halifax for a loan and plan to use fos questionnaire... i am planning to reply as follows

 

I managed to pay 30 months and then could mo longer afford to pay, Halifax collecters hounded me for money I did not have causing me distress.

 

any advice gratefully received

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if the oc still own the debt

they could off set

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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Hi all

 

In 2004 I took out a loan with Halifax where the PPI was added to the loan.

 

So i paid for 18 months before i couldn't afford any more...

 

In 2013 the balance of £7000 had been sold to 1st Credit now Intrum... they took me to court... i agreed to pay... paid 6 months at 450 then offered a final £5000 in full and final acceptance which was accepted.

 

So who do I claim this final portion of PPI from???

 

thanks

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When you say they took you to court, did they get a judgement? Did you defend? How was the agreement made?

 

The people you will claim against will be the original creditors – Halifax. How much were the PPI payments?

 

Can you tell us more about the £7000 debt? Some of this was comprised of the PPI payments. Some of this was comprised of the interest on the PPI payments. Some of this was probably charges. Please can you tell us about these and their values.

 

Have you paid the £5000?

 

Also, you took out the loan in 2004. You paid for only 18 months. This means that by 2006 you had stopped paying. Had you paid anything between 2006 and 2013?

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You claim as normal from the OC

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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thanks dx...

 

Bankfodder... sincere apologies but i struggle to remember things these days and i am no longer that well documented....

however here is my best recollection...

i ran into serious difficulties in 2007 and gradually stopped all payments to a dozen or so businesses... i am not proud of it... in fact im ashamed of my inability to pay any of my deby.... so i managed to fend off collectors and everyone lost interest about 2010... except Halifax who sold the debt.

 

first credit engaged judge and priestly, they took me to court, my defence was 6 years had expired but they shot that down because it hadn't apparently... they got full judgement... i agreed a repayment of £450 per month paid for 5 months then offered £5000 accepted and paid...

 

yesterday judge & priestley confirmed judgement was for £7223.56 and payments i made. i have the copies sent by Halifax of the agreement and payments made... the apr was 9.3% the proportion of ppi to monthly payment was 0.19 and total ppi charged for loan was £3261.60 ... so the final amount in my spreadsheet adjusts the 5000 final payment to claim only the total on the agreement.

 

can you please check and confirm all ok

 

thanks

CISheet v101.xls

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Someone else will have to look at your spreadsheet to understand it more fully because I'm not sufficiently clever at this kind of stuff to deal with it.

 

However, what concerns me is that you are pursued for a debt but which included mis-sold PPI premiums plus interest so that in fact a certain amount of the debt was not valid because it was comprised of money which had been misappropriated from you. It might even be possible to say that had you not been burdened with misappropriated PPI premiums, that you might have managed the debt.

 

From what I can see of your spreadsheet, you seem to be saying that there was £45.30 being charged per month – was that the PPI premium? You seem to be saying that there was a total of PPI plus interest on it of £6526.13 p. This how much money you think you are entitled to recover?

 

What was the date of the judgement? Is it on your credit file?

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scan up the agreement to PDF please

read upload

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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dx100uk

 

apologies for the delay... please note the way i was guided through signing where the boxes i had to sign were marked with a X ... i ha no choice to sign the no thanks to ppi

agreement.pdf

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Ping me later been buzy

Dx

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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zubo

 

LOAN 13,160.16+3,261.60=16421.76 total

 

PPI% = total cost for PPI / total cost for loan X 100 = %

 

PPI%=3261.60/16421.76*100=19.86%

 

for your £228.08 paymentsthat £45.30

and ofcourse that % of any other payments made

 

worthy to note they WERE regulated by GISC

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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