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    • Thanks for that. I will give them till Tuesday. Thanks for your help, very much appreciated. 
    • Ok thanks for that, well spotted and all duly noted. Yes they did eventually submit those docs to me after a second letter advising them I was contacting the ICO to make a formal complaint for failing to comply with an earlier SAR that they brushed off as an "administrative error" or something. When I sent the letter telling them I was in contact with the information commissioner to lodge the complaint, the original PCN etc quickly followed along with their excuse!
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    • The property was our family home.  A fixed low rate btl/ development loan was given (last century!). It was derelict. Did it up/ was rented out for a while.  Then moved in/out over the years (mostly around school)  It was a mix of rental and family home. The ad-hoc rents covered the loan amply.  Nowadays  banks don't allow such a mix.  (I have written this before.) Problems started when the lease was extended and needed to re-mortgage to cover the expense.  Wanted another btl.  Got a tenant in situ. Was located elsewhere (work). A broker found a btl lender, they reneged.  Broker didn't find another btl loan.  The tenant was paying enough to cover the proposed annual btl mortgage in 4 months. The broker gave up trying to find another.  I ended up on a bridge and this disastrous path.  (I have raised previous issues about the broker) Not sure what you mean by 'split'.  The property was always leasehold with a separate freeholder  The freeholder eventually sold the fh to another entity by private agreement (the trust) but it's always been separate.  That's quite normal.  One can't merge titles - unless lease runs out/ is forfeited and new one is not created/ granted. The bridge lender had a special condition in loan offer - their own lawyer had to check title first.  Check that lease wasn't onerous and there was nothing that would affect good saleability.  The lawyer (that got sacked for dishonesty) signed off the loan on the basis the lease and title was good and clean.  The same law firm then tried to complain the lease clauses were onerous and the lease too short, even though the loan was to cover a 90y lease extension!! 
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      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Cheekiness towards a DCA


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dunno if it was cheeky but it was downright offensive .

 

Before I knew how to deal with DCA's i used to proper lose it with them , everycall used to end with me threatening their life and that of their families , that is why I am very dubious when they say that its being recorded , wouldnt recommend doing this though as it used to take me a good hour to calm down after lol.

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Just gave the losers of lowells a phone call put on me best cornish accent ala Jethro and was shouting at them down the phone .

Phone call went like this

Low Hello may i take youre reference

LB HELLO HELLO U CALLED THIS NUMBER

Low May I Take your reference please

LB SORRY YOULL HAVE TO SPEAK UP IM A BIT DEAF

Low I can hear you perfectly

LB WHAT

Low Could I have your postcode then

LB MY ROAD

Low No sir your Postcode

LB OH MY POSTCODE NO

Low Why not

LB DONT YOU KNOW THE DATA PROTECTION ACT

Low er yes sir I do

LB SO DO I JUST BECAUSE IM DEAF DOESNT MEAN IM STUPID IS THAT WHAT YOU THINK ?

Low no sir not at all .

LB BETTER NOT DO MATE .

Low If you are not prepared to give us any postcode sir then i may as well hang up .

LB YOU DO THAT

Low ok sir thanks for your time

LB HELLO HELLO

Low Im still here sir

LB I HAVE A SUPRISE FOR YOU

Low Whats that then

THIS

(hangs up)

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CAG EVERYTIME .....

KEEP RIGHT ON TILL THE END OF THE ROAD ........

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rang lowells up again last night in my best pakistani accent

 

Lowell Reference number please

LB Hello Please why you ring number

Low reference number

LB no reference number who is i speaking to please

low RED

LB Red what is red

Low Well we dont have to give out that information until you tell us a reference number

LB The english flag is red GOD SAVE THE QUEEN what

Low could we have your postcode then

LB My postcode what is this ?

Low At the end of your address will be you postcode , if you give us that then we can see what you were called for .

LB so you want the last thing on my address , let me think now YES i have it .

Low what is it

LB fullin stop

Low No before the full stop there will be letters and numbers ,

LB ah yes I see now , who is this again please ?

Low RED

LB sorry RED I not going to give you my postcode

Low why

LB Because I dont want to , (CHANGES BACK INTO CORRECT VOICE) and as i have taken up your valuable time , therefore stopping you from making more of your pathetic threatening calls to harras them into paying debts that you cant prove you own you plank i wish you a good day .

 

Brummie wins and stands on the moral high ground .

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CAG v dca

 

CAG EVERYTIME .....

KEEP RIGHT ON TILL THE END OF THE ROAD ........

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Just found an old Crap 1 card so when they next ring up then il try to pay it with that, also found the card they send in junkmail.with the number 0000000000 on it , i might try that one as well.

I use my old cards for other stuff as well but dont think i should put on here what .

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  • 3 weeks later...

I think you are all very naughty people , these poor sods at DCA's are just doing there jobs (wheres the tongue in cheek smiley)

Like ive said in many a thread , If they played fair then so would we .

God knows what me and mr bobble would do though .

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  • 4 weeks later...
Religion is my guess :eek: Don't know which is worse lol...

 

I had 2 well dressed women knock on my door the other day and ask me what bread i ate , i replied White thick cut bread why ?

They then spent the next 20 mins telling me of the goodness that was brown bread and how my life would change for the better if i changed to brown bread .

 

 

BLOODY HOVIS WITNESSES

 

 

Im here all week

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KEEP RIGHT ON TILL THE END OF THE ROAD ........

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  • 2 weeks later...

I have a nice scar across me hand from a stoke fans tooth circa 92 if anyone form there is missing a tooth then ive still got the thing somewhere , Birmingham C v Stoke games definately not for the faint hearted .

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  • 1 month later...

lowells sent me the 50% off letter , dozy buggers , they aint getting a penny until they prove that i owe this money , which i believe they can not produce .

NUMPTYS

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  • 3 months later...

greetings all from one of the oldies on this thread , not been on for a longtime so catching up as we speak .

Good to see the DCA's still getting loads of grief , FB thanks for the PM .

Gonna start a new thread today about the leeds lot , have a read .

 

regards

and like OASIS sang its good to be back

 

LB

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  • 5 months later...

Dont be scared of these idiots , at the end of the day its a voice on the end of a phone line , if you dont like what you are hearing take a deep breath and replace the reciever , its hard the first time but after that its much more simple .

 

Unless like me and fuzzy you actually enjoy playing these lovely people at their own game , nothing is better than getting one of the dcas off their script , .They really do not have a clue .

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