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Everything posted by hesanmp

  1. at the time of the new loan in 2007 the bank already had security over the current asset, given in 2005. when the new loan was given in 2007 it was solely based on , and conditional of the old asset being valued at 750k
  2. matter has just escalated as lloyds has issued proceedings for repossession!!!
  3. situation is as follows: been with lloyds since 1993. started developing property. gave security. bank gave me loans based on security value. transpires bank manager gave false information to their panel valuer. valuer agreed value of security as required by bank to advance monies. valuer knew valuation was for loan. main security was repossessed and sold at almost 50% of valuation. bank is now trying to repossess my last asset which potentially has 30k surplus. bank debt is over 200k my question is why didn't bank simply recover all of its losses from the valuer if his valuation was so wrong?
  4. does anyone know who is the body, and address responsible for the county courts. we have a problem here in plymouth where they have no counter service, the phone is always engaged and they never respond to emails........... cheers
  5. just logged onto noddle, before i paid for experian and i remember there were other debts on there which are not showing on noddle!!!!
  6. unfortunately not currently subscribed, i will have to wait until saturday!!
  7. hi everyone just when i thought i had dealt with the last stat demand and their subsequent failed court action i have just had a 'appointment letter for statutory demand' posted through the letter box. they say they will return and serve it. there are no details of the debt or creditor on the letter at all. i therefore will have to wait and see what it is for???
  8. thank you andy i understand that! the court ordered i pay theri fees within 14 days which i couldn't. i am now on jsa, can i apply to the court and inform them i can't afford to pay the sum in full?
  9. thanks sabre. i read post #3 but are there any further guidelines to simply a N245 or having the other sides costs assessed. i.e. with their costs should i be going to the other side for a detailed breakdown of their costs or i do i make an application to the court first?
  10. they had filed their defence and then their solicitor applied to strike out the claim. the hearing was set for 2 hours, i did not attend. prior to the hearing they had offered me a drop hands offer which i did not accept.
  11. yes sols applied to strike out on limitation, and they succeeded, i missed a deadline but the actual date of knowledge was well before that date so even of i had made the deadline i would have failed. i am therefore in damage limitation mode as per my initial post, hopefully you can help? cheers
  12. hi, brought a claim against solicitors for professional negligence but the claim was struck out on limitation issues.
  13. i recently had a claim struck out due to limitation issues. the other sides costs were ridiculously high at £17,000.00. the court order was for those costs to be paid within 14 days. i am currently on tax credits with a very low income, i have no savings. the property i am living in is mortgaged and is in negative equity. firstly how do i apply to vary the order so i can pay over time. secondly can i apply to have their costs assessed? cheers
  14. hi andy that was my thinking but if there was an unless order and their claim would be struck out by the court why can't i leave that up to the court. if i agree to the consent order i am in effect agreeing to the counterclaim being dismissed. where would i stand if i then issued a claim afterwards. finally if it against the original creditor or the lowell? cheers
  15. an update.... after writing to the court explaining the fact that lowell had continuously failed to send me copies of their agreements and statements etc the court finally sent out an unless order. it read unless by 18.10.15 the claimant provides to the defendant copies of 1. original credit agreements relied upon and 2. full account statements which demonstrate the amounts said to be owed, the claim will be struck out. the claimant failed to provide anything at all. yesterday i was sent by lowell a draft consent order which starts 'upon the parties having reached agreement as to settlement of the above claim' it then goes on:- 1. the claim be dismissed 2. the counterclaim be dismissed 3. the hearing listed be vacated 4. there be no order as to costs. firstly there has been no agreement between us or even any correspondence! secondly how do i stand with my counterclaim, i have claimed a sum but because i have not been provided with any statements i can't at this stage quantify the amount!
  16. hi there is no question whether the item was collected or not, that is not disputed. are there any templates for a lba for a situation like this. i have found plenty for the buyer but not for the seller?
  17. if ebay have already ruled in the buyers favour do i still need to send letter before action, or can i just issue a claim?
  18. i will now send a 7 day letter before action
  19. what now, letter before court action?
  20. one message i left was 'hi i really don't think its as simple as that. the machine is attached to the motor and sits in a housing on the table. secondly when it was purchased it came on a pallet in a upright position. it might be best for you to speak to ......... first to discuss dismantling. failing that let me know if want me to find a price out for delivery as it is, i.e fully set up. secondly as a unit it is extremely heavy!! they replied ' Ok I appreciate your knowledge on it. It would be a great help if you could help me sort out transport. Think I have been a bit presumptions on how easy it would be. I appreciate all your help with this.
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