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    • You can't, but you can (and really should) bring up the point that the lender isn't meeting their legal obligations in selling the property for fair market value. You'll have to do this in court, though.     A receiver is bought in by the lender, not you. If they're a registered insolvency practitioner, you may be able to raise a complaint to the insolvency service but there are no guarantees here. Many receivers are also registered with the RICS and self-regulate so if you know the name of the receiver you can check there, again no guarantees.   https://www.rics.org/surveyor-careers/career-development/accreditations/registered-property-receivership-scheme
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    • Lolerz - I don't understand you.  Rebuked you?   No. I simply replied to your orange comments with legal facts as I know them.  I've already worked through the s42 and s146 issues - over the last 3-4y - and these issues are (mostly) resolved legally.  In terms of posting evidence.  Sure I can post some.  But my most recent questions have been a) how can I enforce a sale before trial?  And b) how can I make a complaint and/or a claim v receiver? (E.g. to which body do I complain?).  At the mo I'm asking for some helpful pointers on those specific questions??  I'm not asking for help with how to prove or present evidence. Fwiw - all evidence for trial has been disclosed (although additions are poss). The lender sent me like 10,000 emails and docs.  There's also 000s of emails, docs, photos, videos, recordings and texts that relate to freeholders/ me.   I read, filed and categorised everything for ease of future reference.  Witness statements and evidence were prepared for trial in the 42 and 146 matters. (now joined with current claim to save duplication).  I've lived the process before.  My current statement and linked evidence has taken like 6 months to draft/ write - to ensure I can succinctly prove my defence and counterclaim points.   Whether I can convince a judge at trial w/o lawyer / barrister is debatable 🙄   But I've prepared.  And continue to try better prepare - which is why I visit this site (and clinics).  This is NOT my business or expertise at all.  I'm just trying.  Not that anyone should ever have to justify why they need help if they ask politely! 
    • Thanks for the other info will also take a look at that.
    • It doesn't use the word reconstructed in the cover letter.  Although, I have just noticed on the cover letter they have asked me to complete a financial statement and offer a repayment within the next 10 days, or they will continue to follow court directions.  They sent a separate letter on the same day advising me they will be continuing with their claim ?  They have done the same for both claims.  Is it worth just doing that - doing the financial breakdown and offering a x amount.    
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Cheekiness towards a DCA


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Can i just recommend something here....at the start of this year, i was suffering from terrible depression & was literally scared of my own shadow, i kid you not - thats how bad it was.

It felt like my life was in the gutter for many reasons....since July, i have been going swimming about 5 times per week & been eating healthy every day since then as well.

It has done me absolute wonders, not just physically - but mentally as well.

My confidence has returned that just wasnt there earlier this year.

It may not work for everyone - but to those who are fed up/depressed on here like i was, can i recommend that lifestyle to you - the effects its had on me has just been incredible. :)

 

Thanks Mr Ton. The healthy lifestyle bit has already started for me, but it's not paying dividends yet. I'm not a good swimmer and don't enjoy it, but there are other options - walking particularly and of course horizontal jogging (but not 5 times a week). My diet's pretty good, but I'm smoking and drinking too much and that's got to stop. In addition to that, I've got to have my wisdom teeth taken out because I've been getting a few problems. I think a few chickens are coming home to roost. Now, where's me baccy ....

 

Regards.

 

Fred

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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Well the next time you're on it, do a search for 'Simon's Cat' and 'Bear and Trampoline'. They'll bring a smile to your face.

 

Regards.

 

Fred

 

Fred you owe me new trousers and a new chair. I just wet myself laughing at this Simons cat video....

 

YouTube - Simon's Cat 'TV Dinner'

 

It's just exactly what my cat Molly does.

These are video links to show how I deal with Debt Collectors.

 

Fly fishing for C.A.R.S

http://uk.youtube.com/watch?v=zPtzK8FqE6k&feature=related

 

Frederickson International don't accept my card type

http://uk.youtube.com/watch?v=eiZBULlWW6Q&feature=related

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It might sound like im being OTT....but i honestly think that if i hadnt of embarked upon that new lifestyle back in July, i would not be here now - thats how much of a mess i was in physically & mentally.

The transformation up to now has been incredible & its thanks to that healthy eating & loads of exercise regime that i embarked upon - plus loads of good rest/sleep i must add also.

I do think we need a good debate on here about the physical & mental aspects of debt, which can be very scary indeed - not just the financial implications of it.

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It might sound like im being OTT....but i honestly think that if i hadnt of embarked upon that new lifestyle back in July, i would not be here now - thats how much of a mess i was in physically & mentally.

The transformation up to now has been incredible & its thanks to that healthy eating & loads of exercise regime that i embarked upon - plus loads of good rest/sleep i must add also.

I do think we need a good debate on here about the physical & mental aspects of debt, which can be very scary indeed - not just the financial implications of it.

 

There is a section on it Mr Ton: http://www.consumeractiongroup.co.uk/forum/effects-debt-health-lifestyle/

 

Fred

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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Fred you owe me new trousers and a new chair. I just wet myself laughing at this Simons cat video....

 

YouTube - Simon's Cat 'TV Dinner'

 

It's just exactly what my cat Molly does.

 

They really are hilarious. 'Let me in' is my favourite.

 

Regards.

 

Fred

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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Ohhh, weve changed our phone number, so DCA's cant ring us anymore. Littlewoods ring my mobile daily, but I havnt got the courage to speak to them, I just ignore it. This thread makes me want to give all the DCAs our new number!! Iv already put some of the 'comebacks' for phonecalls on a saved Word page.

Should I give them our new number? Or not?

vote now...........

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They really are hilarious. 'Let me in' is my favourite.

 

Regards.

 

Fred

 

Just watched it. Very funny videos. Hope the person who made them is going to do some more. I can imagine they take ages to make, as the animation is brilliant.

These are video links to show how I deal with Debt Collectors.

 

Fly fishing for C.A.R.S

http://uk.youtube.com/watch?v=zPtzK8FqE6k&feature=related

 

Frederickson International don't accept my card type

http://uk.youtube.com/watch?v=eiZBULlWW6Q&feature=related

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Ohhh, weve changed our phone number, so DCA's cant ring us anymore. Littlewoods ring my mobile daily, but I havnt got the courage to speak to them, I just ignore it. This thread makes me want to give all the DCAs our new number!! Iv already put some of the 'comebacks' for phonecalls on a saved Word page.

Should I give them our new number? Or not?

vote now...........

 

get sorted with a recorder, then call them. ;) There's a shortage of funny DCA stuff on this thread.

 

I can't keep up with the demand and suggestions. My last 2 videos took me 6 weeks work to do. There's another 3 currently in production. One of which is an xmas special. I need peeps to help me out, so between us we can release something every weekend. :D

These are video links to show how I deal with Debt Collectors.

 

Fly fishing for C.A.R.S

http://uk.youtube.com/watch?v=zPtzK8FqE6k&feature=related

 

Frederickson International don't accept my card type

http://uk.youtube.com/watch?v=eiZBULlWW6Q&feature=related

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I was thinking of a gingerbread dalek. :D

 

When I did my DCA promotional video, the dalek in that had a voice over added.

 

The dalek voice is created by someone sounding overly excited, increase the pitch, but not the length of the recording, add a little touch of echo and distortion, then use a ring modulator to add the robot type sound to it.

 

Could be funny to do some recordings, add them to some soundboard software, then phone a few DCA's and press the buttons for maximum frustration.

These are video links to show how I deal with Debt Collectors.

 

Fly fishing for C.A.R.S

http://uk.youtube.com/watch?v=zPtzK8FqE6k&feature=related

 

Frederickson International don't accept my card type

http://uk.youtube.com/watch?v=eiZBULlWW6Q&feature=related

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Littlewoods ring my mobile daily, but I havnt got the courage to speak to them, I just ignore it.

 

Or to put it another way: you've got the common sense to ignore it.

 

Regards.

 

Fred

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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Or to put it another way: you've got the common sense to ignore it.

 

Regards.

 

Fred

 

But when the day comes to "fuzzybobble" a DCA when they call. That first time makes you realise finally who is in control. Seen a lot on here recently who have proudly posted transcripts of the calls and how they easily took control of the call. People who were a few months ago scared to death, and now realise the DCA's have no real powers, apart from relying on people's ignorance of their rights and the law.

 

The DCA's are scared of us. That's why they spy on us. We spy on them to expose their dodgy practices and do everything we can to expose it and make it public knowledge.

Slowly, we're winning that battle, and they know it. They resort to dirty tricks to try and get one over on us. But the more who discover this site, and ones like it, the more the people will hold the power over them and force them to change by sheer numbers.

 

By sticking together and passing on the knowledge, there is no way we can lose. It takes time, that is all.

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These are video links to show how I deal with Debt Collectors.

 

Fly fishing for C.A.R.S

http://uk.youtube.com/watch?v=zPtzK8FqE6k&feature=related

 

Frederickson International don't accept my card type

http://uk.youtube.com/watch?v=eiZBULlWW6Q&feature=related

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Woooooo Hooooooo, I'm back! Only 3 weeks and not the predicted 4. Hope you've all been good boys and girls in my abscence and given some of them nasty old DCA's a torrid time :D

 

Only just back with new lines and broadband etc so lots to catch up on. I'll start with this thread I guess (te he) then have a look about to get back to speed. I guess I must let the family etc know I'm back in existence too!!

 

'till the weekend I guess. ;)

 

P.S. Hello again all you guests..Remember me? Guess what guys, I'VE MOVED just in case you wondered why my phone got disconnected......:p

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Woooooo Hooooooo, I'm back! Only 3 weeks and not the predicted 4. Hope you've all been good boys and girls in my abscence and given some of them nasty old DCA's a torrid time :D

 

Only just back with new lines and broadband etc so lots to catch up on. I'll start with this thread I guess (te he) then have a look about to get back to speed. I guess I must let the family etc know I'm back in existence too!!

 

'till the weekend I guess. ;)

 

P.S. Hello again all you guests..Remember me? Guess what guys, I'VE MOVED just in case you wondered why my phone got disconnected......:p

 

Have you been away Eastendboy? :eek:

Cant say i even noticed to be honest :p

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Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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Why thank you mr ton.8-)

 

Now, is that "Why thank you" or "why, thank you"?

 

Fred

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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Welcome back EEB. :D

 

You got a few things to catch up on this thread.

Don't forget to watch the new DILLIGAF video too :D

These are video links to show how I deal with Debt Collectors.

 

Fly fishing for C.A.R.S

http://uk.youtube.com/watch?v=zPtzK8FqE6k&feature=related

 

Frederickson International don't accept my card type

http://uk.youtube.com/watch?v=eiZBULlWW6Q&feature=related

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i just had a phonecall from csl they left a text message on my house phone so i thought hmmm lets give 'em a buzz .

they said can i have your case ref. number i said i dont know it ,ok she said is this the phone your reistered at i didnt answer , no problem can i have your address .

i said i must make you aware i dont give out any info on the telephone

she said your just wasting my time are'nt you

i said yup im bored then she slammed the phone down on me ,i was most put out lol.

my fiancee was there laughing her head off .

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i just had a phonecall from csl they left a text message on my house phone so i thought hmmm lets give 'em a buzz .

they said can i have your case ref. number i said i dont know it ,ok she said is this the phone your reistered at i didnt answer , no problem can i have your address .

i said i must make you aware i dont give out any info on the telephone

she said your just wasting my time are'nt you

i said yup im bored then she slammed the phone down on me ,i was most put out lol.

my fiancee was there laughing her head off .

 

Nice one Saviour. I hate that bloody shower so it always brightens up my day to see somebody getting one over on them. They are a nasty bunch.

 

Regards.

 

Fred

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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Please

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That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

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