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    • I have had a secondary thought.  I borrowed £s from a completely separate entity 6y ago. It was personal and unsecured. I was going to repay upon sale of the property. But then repo and I couldn't.  Eventually they applied and got a charging order on the property.  Their lawyers wrote that if I didn't repay they may apply for an order for sale.  I'm not in control of the sale.  The lender won't agree to an order for sale.  The judge won't expedite it/ extract from trial.  Someone here on cag may or may not suggest I can apply for an order v the receiver?  But could I alternatively ask this separate entity with a c.o to carry out their threat and actually make an application to court for an order for sale v the receiver instead?
    • You left the PCN number showing, but no worries, I've redacted it. Euro Car parks are very well known to us.  I've just skimmed through the titles of the latest 100 cases we have with them (I gave up after 100) and, despite all their bluster and threats, in not one have they taken the Cagger to court. You stayed there for 2 hours &:45 minutes.  I'm guessing the limit is 2 hours and 30 minutes, right?  
    • If the claimant fails to draft directions the court can order a Case Management Hearing to set them but normally in Fast Track claims the claimant sets the directions...Unlike small claims track which are always set the court.
    • Not Evris offer, the court offers mediation service.   All claims proceed to hearing if mediation fails /not happen.   Why do you not wish to attend in person to stand your claim ?     Absolutely you must comply with the courts directions or your claim risks being struck out. Preparation for a hearing should happen irrespective of mediation.   https://www.consumeractiongroup.co.uk/topic/460613-suing-a-parcel-delivery-company-when-you-dont-have-a-direct-contract-with-them-–-third-party-rights-copy-of-judgment-available/#comment-5255007   Andy  
    • LPA.  (I'm fighting insolvency due to all the stuff that he and lender have done).  He appointed estate agents - (changed several times). Disclosure shows he was originally appointed for a specific reason (3m after repo) : using his powers as acting for leaseholder to serve notice on freeholders (to grab fh).  There was interest from 3 potential buyers. He chose one whose offer depended on a positive result of the notice.  Disc also shows he'd taken counsel advice - which was 'he'd fail'.  He'd simultaneously asked to resign as his job (of serving notice) was done and he'd found a buyer.  Lender asked him to stay on to assign notice to the buyer.  Notice failed, buyer didn't buy.  So receiver stayed.  There was 1 buyer who wanted to proceed w/o fh but receiver/ lender wasted 1y trying to get rid of them!  Disc shows why. But I didn't know why at the time. In later months Lender voiced getting rid of receiver. Various reasons - including cost.  But there's a contradiction/ irony: as I've seen an email (of 4y ago) which shows the receiver telling lender not to incur significant costs and to minimize receiver costs.    Yet lender then asked him to serve another notice - again counsel advice indicated 'he'd fail'.  And he did fail.  But wasted 3y trying and incurred huge legal costs - lender trying to pass on to me. Lender interfered - said wanted to do works.  Receiver should have said no.  But disc. shows he agreed to step aside to let them do the works - on proviso lender would discuss potential costs first (they didn't), works wouldn't take long (took 15m), and lender would hold interest (they didn't) (this last point is crucial for me now - as I need to know if I can argue that all interest beyond this point shouldnt be allowed?)   I need to check receiver witness statement in litigation with freeholders to see exactly what he said about 'his position'. But I remember it being along the lines of - 'if the works increased the value of the property he didn't have a problem'.  Lender/ receiver real problems started at this point. The cost of works and 4y passage of time has meant there is no real increase in value. Lender (or receiver) didn't get any permissions (statutory or fh) (and didn't tell me) and just bulldozed the property to an empty shell.  The freeholders served notice on me as leaseholder for breach of covenants (strict no alterations).  The Lender stepped in (acting for me) to issue notice for relief of forfeiture - not the receiver.  That wasted 2y of litigation (3y if inc the works) and incurred huge costs (both sides).  Lender's aim was to do the works that every potential buyer balked at due to the lease restrictions.  Lender and receiver knew couldn't do works w/o fh permission. Lender did them anyway; receiver allowed.  Receiver remained appointed.  I'm arguing lender interfered in receiver duties.  Receiver should have just sold property 4-5y ago w/o allowing any works.  Almost 3y since works finished the property remains unsold (>5y from repo). The property looks brand new - but it was great before.  The lender spent a ton of money - hoping that would facilitate a quick sale.  But the money they spent and the years they have wasted has meant they had to increase sale price.  It's now completely overpriced.  And - of course - the same issues that put buyers off (before works) still exist.   The receiver has tried for 2y to assert the works increased value. But he is relying on agents estimates - which have proved highly speculative. (Usual trick of an agent to give a high value to get the business - and then tell seller to reduce when no-one buys.). And of course lender continues to accrue interest (despite 4y ago receiver saying pause interest). Lender tried to persuade receiver to use specific agent. Disc shows this agent was best friends with the lender's main investor in the property.  Before works this agent had valued it low.  After works this agent suggested a value 70% higher!  The lender persuaded receiver to sack one agent and instead use this agent.  No offers. (Price way too high).   Research has uncovered that this main investor has since died.  I guess his investment is part of probate? And his family want it back?    Disc shows the sacked agent had actually received a high offer 1y ago.  Receiver rejected it.  (thus I don't know if the buyer would have ever proceeded). He was relying on the high speculative valuation the agents had given him to pitch for the business. The agents were in a catch-22.  The receiver sacked them. Disc shows there has been 0 interest ever since (inc via new agent requested by lender). I don't think lender or receiver want all this to come out in public domain via a trial.  It will ruin their reputations. If I can't get an order for sale with lender - can I apply separately against receiver?
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Self Managed DMP Help Needed Please


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Hi

 

I have just started my self managed DMP using NEDCAB which I have to say I have found really helpful.

 

I am using their templates and sent the first letter advising my financial circumstances have changed and they all replied quite quickly and put my accounts on hold for 30 days.

 

I have literally just posted the second letter which consists of my new monthly payments offers to each lender so that is where I am up to.

 

What I would like to know is below as there seems to be varying information all over the Internet but on this site I have found people to be friendly and helpful and most importantly supportive to each other and that’s why I have joined.

 

1) If a lender accepts my offer so I just keep paying the amount unless my circumstances change and I can increase the payments?

 

2) If they do not accept my offer so I pay the amount anyway to show I am trying?

 

3) I have used the CAB expenditure form so everyone has exactly the same information to look at as some lenders sent me their own and they were so complicated.

 

4) A couple of the lenders asked for wage slips and bank statements which CAB advised not to send as some lenders have been known to use them to add more pressure? I have nothing to hide so I followed CAB advice for now as I figured I can always provide them at a later date.

 

5) Lastly from all of your experiences what’s likely to happen next? I have read horror stories that people have posted in other sites and it’s taken me a while to man up so to speak and do this but now I have I already feel slightly better.........

 

Looking forward to hearing from you x

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how old are your debts?

 

please list 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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Hi

 

Barclaycard I took out the card in 1999

Barclays personal loan 2016

Creation personal loan 2015

Progessive Money personal loan 2016

Tesco personal loan 2014

Sainsburys personal loan 2014

 

All have been fully paid until July. Never missed anything ever before so it’s all new to me.

I have had to give up work as our eldest child is sadly not very well at all and we are down to one income which we can pay all the essential bills out of and have some to spare for sharing out to the above.

 

Ideally I would like to return to work but family literally has to come first.

 

Thank you

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I was going to suggest a CCA request to each

but as most are very recent not much point

but I WOULD send one to BC [they'll never get one for a 1999 credit card!!

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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as for the overall picture

yes each should get a pro rata offer

and no none have any right to see any pers finantial details like wages etc only a judge can demand those.

 

if you look in our debt collection section of the library

there are similar letters to nedcab I expect bar one.

 

we hold a letter that says something like

well you refused my offer now all you'll get is £1 till I die

you'll see it

i'd be sending that to those that will not agree to your plan

 

its YOUR MONEY take control of it..not let them do it.

 

most will sell your debt on to powerless DCA's within a year now anyway I expect.

then you CAN send each a CCA request regardless!!

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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go click the link and read it

 

put them to strict proof they hold the signed agreement [and for that era they wont!!]

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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Thank you for that. I have just send in offer letter have I shot myself in the foot by doing so? I did not know about CCA! I will need some help no doubt later as I will not know what I need for it to be enforceable or not. I will do some research is there more help on here? X

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well no you've not shot yourself in the foot

CCA request can be done at anytime.

 

as for the offers you've made well as I said they are all recent bar BC

 

click this forums homepage and read a few threads here

 

all will be revealled

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

until its confirmed un-en pay what you said

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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Hello

 

Quick update and need some advice!

 

Sainsburys have accepted the proposed new payment and said if I continue to pay new amount there will be no issues so that is great.

Edited by dx100uk
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Hi

 

 

I am merely offering my experience. There is no single right answer in what is a shifting game. I started with National debt line charity who were supportive and helpful. I found that token payments of £1 were useful as an indication of good intent but extremely unhelpful because your credit file will continue for 6 years beyond your last £1. Even those who accepted the token (and about half of the bandits did not) quickly sold the debt on. So, my advice is to cease the £1 tokens at the point at which it is sold/assigned on or if they fail to enter a truthful default date on the credit file entry (Barclays are particularly nasty). Dx is dead right about not providing the enemy with ammunition.

 

 

 

Bonne chance et bon courage.

 

 

Love

 

 

Vic

 

 

xx

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well if your credit file is not defaulted yes but if it is

the whole account vanishes on the defaults 6th birthday.

 

I think you mean keeping the statute barred date at bay rather than things being on your creditfile

 

good post mind..

shows you what can be done

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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Hi Vic!

 

Thanks for your reply I have offered reduced payments not a £1 token but I am guessing I will be treat the same as you...... some will accept and some will not!? So do I hope the default me? I have read so many different things.... I always thought defaults brought big trouble to the door? I am totally uneducated I’m these things..... hence why I joined xxxx

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Hi dx

 

 

I hate to dissent with an old soldier yet sometimes babes bring forth wisdom.

BARCLAYS for Other

 

 

 

Searched on 29 June 2018

 

 

 

is a ClearScore entry prior to it dropping of as a credit entry; they refused to enter a true default date, claiming that so long a s I admitted £1 per month, the account was active.

 

 

Both National Debt Line and yourself implied that a token £1 payment had about the same value as Woodey Allen's 'don't knock the Bishop, it's sex with someone I love'.

 

 

xxx

 

 

vic

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Hi FF

 

 

Whatever you do will affect your credit raitng for at least six years; how you do it might affect it for ever. Should you think that reduced payments and a freeze on interest of 25%+ and charges might enable you satisfy their bloodlust, then it might be a rational course of interest But beware of the snare.

 

 

xxx

 

 

v

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Hi FF

 

Context is everything.

 

We used to say that we do not condone debt avoidance.

After Sir Fred the shed kept his 100mill our message became nuanced.

 

With regard to wish to F &F, I return to my point that everything, short of full blood and guts, stays with you for six years.

 

I started with 55k ish and lost my job in the great crash; and my only regret is that I did a 1k F&F with MK.. (which I admit dx advised against); the rest is history, ... you pays your money, you takes your choice.

 

xxx

 

v

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Sorry I do not understand your reply.....

 

If I do not pay lower payments they will give me a CCJ which i do not want.....

 

If I settle f and f I would be rid of the debt..... why do you regret doing that?

 

It’s 6 years whatever I do?

 

I can’t not pay...... the debts will not disappear xxx

Edited by dx100uk
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Hi FF

 

 

I go back to context. I was not in a position to pay. If you are then it is a simple negotiation of T &C. You will only get a CCJ if you refuse to make a reasonable offer based on bandits excluding slave interest rates plus chrages.

 

 

 

If you are not I can see little point in paying anything to anybody.

 

 

xxx

 

 

v

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The oc [original creditor] wont ever do court..they'll sell it on.

 

If a creditor doesnt accept your 1st offer and refuses to freeze int+charges then you send the 2 nd letter £1 till i die.

 

I sometimes wonder if its better to just stop, get the debt defaulted, then negotiate low payment and try f&f.

That way atleast you know it will not be on your file in 6yrs whatever you do.

 

Dont confuse defaulted date with sb date..totally diff things.

 

Each debt is diff which is why its best to have a sep thread for each once paperwork starts to land

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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