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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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Need help re: sofa & two armchairs purchased from SCS


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Hello everyone from a newbie. :-)

 

I will try and keep this as short as possible.

Hubby and I purchased a three seater sofa and two armchairs from our local SCS end of last November.

We found it all to be very comfy etc.

It was purchased through Creation Finance who SCS use.

 

It was delivered, all looked fine, the delivery men left and then we tried it.

What a shock we had.

It was so uncomfortable.

The back cushions are stuffed so full, you can't sit on the seat cushions properly and feel like you are being pushed off.

My back started aching within ten minutes of sitting there.

 

I know the show room models are sat on a lot, but the difference between that and our model as in terms of the fullness of the cushions and comfort, are huge.

The store manager refused to take the sofa and chairs back, and give us a refund.

 

I said would he take them back and let us choose a different sofa and two chairs, but he said no.

I was then told to contact their customer service department.

 

I could not believe how bad an attitude the lady I spoke to had.

Cold, blunt and uncaring, to name but a few.

 

They sent a technician out who worked for them!

He said that the cushions were filled very full, right up to the brim, and all he could do was take some of the stuffing out, which would then leave the material slack and loose. He also said that if we kept the sofa and two chairs, it would take at least a year for the back cushions to flatten enough to become comfortable.

We were not prepared to do this.

 

SCS had his report and still refused to do anything.

I contacted Trading Standards who said to contact ADR (Alternative Dispute Resolution).

They took forever and a day to make a decision, which is that SCS do not have to do anything.

 

We were so taken back that the ADR sided with SCS.

So the bottom line is, we are stuck with a sofa and two armchairs which we have never used (they are stored in one of our reception rooms) and for which we are paying £48.00 per month.

 

We are still using our old three piece sofa and two armchairs.

Trading Standards had also told us to contact the finance company as the sofa and chairs belong to them until we have made the final payment.

However, the finance company did not want to know and just said for us to deal with SCS.

 

Do you all think it is worth ringing Trading Standards again to see what they say or even taking SCS to a small claims court, and hope that they settle things before it ever went to court?

 

Any advice, help etc.

 

would be very gratefully received.

 

Thanks very much.

Edited by dx100uk
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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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then as they are 'faulty' and you reported this within 30 days

under CRA they cant quibble at all, full refund please

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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Share on other sites

Thank you for all of your help. I totally agree with what you're saying, but I just don't know where to turn now as SCS don't want to know due to the decision of the ADR. Do I contact Trafing Standsrds again or do I take SCS to the small claims court? I really just don't know where to go from here. :-(

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well have you ever quoted CRA to 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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Share on other sites

Thank you so much for all of your help.

It is very much appreciated.

 

Do you think I should send a letter to SCS head office stating that under the CRA Act I am fully entitled to a refund and if they don't comply I will take them to the small claims court?

 

I still think though they will say that as the ADR have found in their favour, they're not prepared to do anything.

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IMHO they cant, you had a short term right to reject as it was not fit for purpose = refund in full

 

yes write to 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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Share on other sites

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