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    • This is a ridiculous situation.  The lender has made so many stupid errors of judgement.  I refuse to bow down and willingly 'pay' for their mistakes.  I really want to put this behind me and move on.  I can't yet. 
    • Peter McCormack says he has secured a 15-year lease on the club's Bedford ground.View the full article
    • ae - i have no funds to appoint lawyers.   My point about most caggers getting lost is simply due to so many layers of legal issues that is bound to confuse.  
    • Lenders have a legal obligation to sell the property for the best price they can get. If they feel the offer is low they won't sell it, because it's likely the borrower will say the same.   Yes.  But every interested buyer was offering within a range - based on local market sales evidence.  Shelter site says a lender is not allowed to wait for the market to improve. Why serve a dilapidations notice? If it's in the terms of the lease to maintain the property to a good standard, then serve an S146 notice instead as it's a clear breach of the lease.   The dilapidations notice was a legal first step.  Freeholders have to give time to leaseholders to remedy.  Lender lawyers advised the property was going to be sold and the new buyer would undertake the work.  Their missive came shortly before contracts were given to buyer.  The buyer lawyer and freehold lawyers were then in contact.  The issue of dilapidations remedy was discussed..  But then lender reneged.  There was a few months where neither I nor freeholders were sure what was going on.  Then suddenly demolition works started.   Before one issues a s146 one has to issue a LBA.  That is eventually what happened. ...legal battle took 3y to resolve. Again, order them to revert it as they didn't have permission to do the works, or else serve an S146 notice for breach of the lease   A s146 was served.  It took 3y but the parties came to a settlement.   (They couldn't revert as they had ripped out irreplaceable historical features). The lease has already been extended once so they have no right to another extension. It seems pretty easy to just get the lawyer to say no and stick by those terms as the law is on your side there.  That's not the case   One can ask for another extension.  In this instance the freeholders eventually agreed with a proviso for the receiver not to serve another. You wouldn't vary a lease through a lease extension.  Correct.  But receiver lawyer was an idiot.   He made so many errors.  No idea why the receiver instructed him?  He used to work for lender lawyers. I belatedly discovered he was sacked for dishonesty and fined a huge sum by the sra  (though kept his licence).  He eventually joined another firm and the receiver bizarrely chose him to handle the extension.  Again he messed up - which is why the matter still hasn't been properly concluded.   In reality, its quite clear the lender/ receiver were just trying to overwhelm me (as trustee and leaseholder) with work (and costs) due to so many legal  issues.  Also they tried to twist things (as lawyers sometimes do).  They tried to create a situation where the freeholders would get a wasted costs order - the intent was to bankrupt the freeholders so they could grab the fh that way.   That didn't happen.  They are still trying though.  They owe the freeholders legal costs (s60) and are refusing to pay.  They are trying to get the freeholders to refer the matter to the tribunal - simply to incur more costs (the freeholders don't want and cant's afford to incur)  Enfranchisement isn't something that can be "voided", it's in the Leasehold Reform Act 1967 that leaseholders have the right to.... The property does not qualify under 67 Act.  Their notice was invalid and voided. B petition was struck out. So this is dealt with then.  That action was dealt with yes.   But they then issued a new claim out of a different random court - which I'm still dealing with alone.  This is where I have issues with my old lawyer. He failed to read important legal docs  (which I kept emailing and asking if he was dealing with) and  also didn't deal with something crucial I pointed out.  This lawyer had the lender in a corner and he did not act. Evidence shows lender and receiver strategy had been ....  Redact and scan said evidence up for others to look at?   I could.  But the evidence is clear cut.  Receiver email to lender and lender lawyer: "our strategy for many months  has been for ceo to get the property".  A lender is not allowed to influence the receivership.   They clearly were.  And the law firm were complicit.  The same firm representing the lender and the ceo in his personal capacity - conflict of interest?   I  also have evidence of the lender trying to pay a buyer to walk.  I was never supposed to know about this.  But I was given copies of messages from the receiver "I need to see you face to face, these things are best not put in writing".  No need to divulge all here.  But in hindsight it's clear the lender/ receiver tried - via 2 meetings - to get rid of this buyer (pay large £s) to clear the path for the ceo.   One thing I need to clarify - if a receiver tells a lender to do - or not to do - something should the lender comply? 
    • Why ask for advice if you think it's too complex for the forum members to understand? You'd be better engaging a lawyer. Make sure he has understood all the implications. Stick with his advice. If it doesn't conform to your preconceived opinion then pause and consider whether maybe he's right.
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lowell backdoor Cat debt CCJ - now court bailiffs?, how much will this harm my future?


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Like most things on the internet I've seen a lot of conflicting information about this and was wondering if anyone could actually categorically clarify what the deal is?

 

I've recently got my first ever CCJ and am worried sick about the future and what it could prevent me doing.

I don't plan on working in finance, but i've seen things and even topics on here i've searched (from 2012) that suggest it has prevented people from doing jobs you wouldn't think of all because the company performed a credit check.

 

The no mortgage thing isn't a big deal to me, but i'm seriously considering a career in the civil service or the police force and am worried this could be held against me?

 

Some say a CCJ isn't much worse than a default, but it is right? Much worse?

 

It may not be as bad as you assume ! I can hopefully give you helpful advice from my experience in relation to the credit check or SC clearance.

 

I work in IT and previously one of the companies were linked to finance, I was there a year before I had to go through SC , after filling in forms I too had the dreaded section of finance , by then I had about 4 defaults , late payments etc. I filled it in sparsely and did not put all the loans or CC's on that I could have it got sent away but consequently failed ...

 

lucky I was given another chance about two months later , this time I put in every loan \credit card \ Bank account , what the balance was and what I was doing to deal with it ( speaking to creditors and arranging payment or,those who refused payment plans and sold it on etc etc.. the crux of the story is that the financial side was not so much a problem but honesty is as you could be deemed susceptible to bribery etc ..

 

On the other side recently contracting I got accepted for a building society role for 3 months , did a credit check and failed, they were gutted and said it would have to be run past their security dept but I turned it down as I knew it would drag on too long.

 

I now am contracting quite happily , get paid a decent wage, have no new loans or credit cards, drive a second hand car fully paid for and pay for everything in cash. I don't and wont get credit anymore as I just don't want to be owing money.

 

These debts have been around since 2012/13 and yes they are hanging around my neck but it has not stopped me getting jobs with 4 UK based corporations none of which have credit checked me ! I just stay away from financial institutions for now.

 

I too have a CCJ but as the guys say on here this will drop off around 2019/2020 . Other creditors are giving up the ghost as they do not have any suitable documentation, coincidentally I am currently awaiting court appearance with none other than Lowell who have not provided any paperwork and so far have written off another debt I had with them.

 

I hope this shows that all is not lost and you should pursue those roles.

 

Oh I know police officers who have debt , yes they are not supposed to but some are using credit cards on a regular basis because they cant just live on a basic police salary so all is not lost..be honest on the application form and show you have control of your finances

 

Sorry if this seems like war and peace but we have all gone through the similar situation you have and come out the other side. In you favour is the fact you are at your parents house so draw a line under the past experiences with debt and take control...

Edited by Andyorch
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Excellent thanks for the reassurance.

In any case they would have to send a letter giving me 7 days notice ahead of the first visit, right?

 

I have quite a few debts with them, this was for the lowest amount. Do you think its likely they purposely chose to pursue a CCJ for this one to see what my reaction would be and if I would immediately pay up? As if I did, I'm sure they would apply a CCJ on the other accounts too to get the money ASAP?

 

Lowell will chance it in the hope people won't challenge it and get a CCJ without realising. A CCA request for these other debts would certainly see what they are or are not entitled to ..

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Thanks for the words notodebt

 

i aim to be 100% debt free within 2 years. of course i will still have a few defaults, and the ccj (which will be satisfied) but still on the file for a further 4 years at this point but apparently you can still get in the police force as long as the ccj is satisfied

 

https://www.ukpoliceonline.co.uk/index.php?/topic/32007-ccj-and-outstanding-debts/

 

 

like you said about your history i think the key is always honesty and transparency. you can't hide your financial record, especially from police vetting procedures but i think and hope as long as your 100% completely open about it and explain what you did to rectify the situation, and how you have sorted yourself out, it should be ok

 

 

fingers crossed anyway

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