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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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TV license summons - not factual and no caution


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Hi

 

I have been summonsed by the TV license people.

TV licensing cancelled my DD when it bounced.

I hadn't noticed as I'm always broke so there's not much point checking bank app.

Being a quarterly bill as well made me forget about it.

 

They wrote to me and I phoned them and they said they would send me out a card to use at PayPoint to pay for a license.

I never received this card.

Next thing I get this guy at the door being all friendly like and asking about licence and TV usage.

 

I told him I play prerecorded stuff for the kids (which is true as I don't watch TV hardly at all).

He noticed I had a sky dish.

 

He told me about the weekly payment plan scheme and said he would sign me up for it and pulled out a temporary card and leaflet.

He placed this over his clipboard as he gave me the form to sign.

He said I would not have any further problems.

 

Once i was inside I looked at the form I signed and at the top it had a caution.

This was never mentioned and I wasn't aware of it.

He stated on the form that the interview commenced at 5.33pm and ended at 5.35pm

- yet it took a lot longer than that explaining the payment system to me and asking me other questions.

He has literally lied as well by just making up answers

- nothing major but nevertheless...

 

I used the simple payment plan to make payments but whenever i log into it it says I am up to date with payments and gives me next payment date.

Looking back I may have overlooked one or two but it's never flagged that up so I keep thinking I'm doing ok with it.

 

Then I get the intended prosecution in the post.

TV licensing want £120 plus a victim charge plus a fine when it goes to a magistrate.

 

I will have to plead guilty but surely he had a duty to read the caution to me

- as I would have just closed the door or something??

 

Any quick advice please. thanks

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he is commission based

gets nothing if he doesn't make you admit.

 

sadly you had no legal right at all to entertain him.

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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If you signed it you've admitted guilt and they'll send it to court unless you can pay the amount owed.

 

Having a sky dish means nothing. You could have 10 outside. It doesn't mean any of them are hooked up to a box.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Hi. Didn't know what I was signing though - I thought (was given the impression) it was a formality. I've been doing some reading and it seems these people are good at getting people to sign and not giving cautions etc. The caution would set off anyone's alarm bells which is probably why many of them don't actually issue it. Nasty pieces of work.

 

I will plead guilty, but will follow up my complaint against the person that mislead me.

 

thanks

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Thry give that impression because theyre commission based. Soon as you sign it, they get paid.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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If you want your day in court then say the "******* (dont) covered up the declaration for you to sign as you felt intimidated by there presence and it was only after you had your copy and read it after you calmed down you read it.

It might work, it might no. Speak to duty solicitor at the court

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