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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?
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    • 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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Talk talk broadband cancellation within cooling off period


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Hi.

I ordered talk talk broadband contract £20 over 24 months on 16/10/18.

The talk talk connection went live on 30/10/18.

 

The broadband was not working at all for hours and so I decided to cancel the contract on 30/10/18 as I was within the 20 days cooling off period.

The customer service representative said she will escalate the situation and confirmed no cancellation fees as I was Within cooling off period.

 

I phoned talk talk on 5/11/18 and spoke to the customer service manager Rodney who said no cancellation fee and all charges will be waived.

He said account will be closed on 11/11/18.

I received letter from talk talk customer service confirming account termination on 11/11/18 also received Jiffy bag for talk talk router return.

 

On 7/11/18 I received email thanking for sticking with talk talk and my account will not be terminated.

I received email late in the evening and was unable to contact talk talk until 8.00 next morning.

I had very stressful night as I was worried talk talk will not close my account.

 

I phoned talk talk at 8:00 in the morning and the customer rep said I was under contract for 24 months.

I said I cancelled on 30/10/18 and gave Rodney ref number.

I was put through to manager Megan who said there was

 

Mistake by the back room staff and she said the cancellation will now be on 13/11/18.

I received email confirming this.

 

My first bill of £20.93 is due on 12/11/18.

Rodney told me I don't have to pay this as it will be waived.

Do I pay this first bill of £20.93 in order to get account terminated?

Edited by dx100uk
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moved to broadband forum.

 

no pay nothing you owe nowt.

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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cancel your dd if it shows via your interweb bank portal:wink:

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

I received letter confirming account will be closed on 11/11/18 and no cancellation fees.

I will be charged for any service used.

I also received Jiffy bag to return talk talk equipment with Royal Mail tracked.

 

I also sent letter to the customer service centre in Salford by rmsp.

 

Talk talk sneakily sent me email yesterday evening thanking me for staying with them and will not be closing account. I phoned them and told them I want to close account and the rep said she will close on 13/11/18.

 

I'm worried talk talk will trash my credit score.

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if it does not yet show then I doubt it

and anyway they say you've cancelled so no...

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... 

Link to post
Share on other sites

I'm worried as talk talk don't want to cancel my account. They were supposed to cancel on 11/11/18. But they said error by back room staff so they going to cancel on 13/11/18.

I had 2 letters for 11/11/18 cancellation and 1 letter for 13/11/18.

What are my options if they keep cancelling my account cancellation.

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Hi

Talk talk failed to close my account on 11/11/18 and wants to keep my account open even though I have letter from them confirming account closing on 11/11/18 and no cancellation fee.

 

I have send their equipment back and not used any of there service.

 

How can I get them to terminate my broadband connection and close my account.

 

For obvious reasons they want to keep account open and charge £20 for next 24 months.

 

I have cancelled dd and have not used broadband as it never worked.

 

This is causing stress and sleepless nights.

 

What should I do?

Edited by dx100uk
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Please will you post up their letter in PDF format

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Threads merged...please do not start new threads on the same issue.

 

Andy

We could do with some help from you.

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Please read upload and use office lens there to put that picture up as a pdf so we can zoom and rotate it

 

They have cancelled. You've stopped the dd

They cant do anything more to you

 

Nothing to lose sleep over

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

As of yet they not cancelled my account. I received phone call around 5 pm yesterday confirming account to be closed today.

They failed to close on 11/11/18 and what if they fail today?

I live in upstairs flat and there are others downstairs and there is a phone socket in the hallway leading upstairs.

Who will be liable for costs after today if talk talk fail to disconnect the phone line?

Edited by dx100uk
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so how would calls be paid from that socket when you sign up with another company?

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... 

Link to post
Share on other sites

I'm not sure.

I will have word with landlady to sort something out.

Maybe pay downstairs guys to use their broadband.

I not interested in landline calls.

 

Still talk talk not disconnect phone line as it still rings.

I have just sent out compaints letter to ceo department informing them I'm not liable for any costs incurred after today.

 

Why do talk talk keep giving cancellation dates and just keep failing to cancel?

I have not used their broadband as it never worked and I only use mobile so no not used none of their services.

I returned their cheap router last week in the Jiffy bag posted to me by them.

Horrible lot to deal with. I'm in constantly stressed.

I just want them to terminate my account.

 

They still not cancelled my account as I can get ring tones on my phone line.

When are they going to disconnected me?

 

Yesterday evening got phone call from Philippines lady and said I will be cancelled today.

I asked what time?

She said any time today.

 

What are my options if they again fail to cancel my account?

Edited by dx100uk
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just because the line has a dial tone it doesn't mean its linked to Talk talk.

most lines have a dial tone unless the line has been physically disconnected at the home or at the cabinet in the street

 

me thinks you are worrying about nowt

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

Thanks for the reassuring reply. I'm worried as over the years I have built great credit score as always paid bills on time but I don't want to pay if I'm getting no broadband and that's why I cancelled within cooling off period.

You are right I'm probably worrying for nowt but talk talk have horrible reputation and hate letting people of go.

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they cant default your credit file if you've no agreement!!

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

Ok thanks.

Talk talk finally disconnected phone line. Just have to wait for final bill which should be zero as not used any of their services.

If I have problem with final bill I'll let you know.

Thanks you guys are doing terrific service against big companies.

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ok

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... 

Link to post
Share on other sites

Digital exchange then

Watch that socket if you ever do pay a new provider

They could all become live on your bill!!!

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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