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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!
    • its not about the migrants .. Barrister Helena Kennedy warns that the Conservatives will use their victory over Rwanda to dismantle the law that protects our human rights here in the UK.   Angela Rayner made fun of Rishi Sunak’s height in a fiery exchange at Prime Minister’s Questions, which prompted Joe Murphy to ask: just how low will Labour go? .. well .. not as low as sunak 
    • From #38 where you wrote the following, all in the 3rd person so we don't know which party is you. When you sy it was your family home, was that before or after? " A FH split to create 2 Leasehold adjoining houses (terrace) FH remains under original ownership and 1 Leasehold house sold on 100y+ lease. . Freeholder resides in the other Leasehold house. The property was originally resided in as one house by Freeholder"
    • 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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So - they don't like these forums !!


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this bit cracked me up

it is important to

recognise that there will always be

rogue customers looking for ways to

delay or avoid payment of debt.

Lula

 

Lula v Abbey - Settled

Lula v Abbey (2) - Settled

Lula v Abbey (3) - Stayed

 

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Rogue customers us no i think not ppl fighting against illegal practises and fighting the rights we have layed down in law for us yes.So to call us ROGUES isnt realy accurate im refering to what it says in the docuement if anyones wondering.Makes me blood boil.

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That was written way back in January 2007 when Herr Ken was Chair of the Debt Purchasers & Sellers Group. He's still not learning is he?

 

"it is important to

recognise that there will always be

rogue customers looking for ways to

delay or avoid payment of debt." .....

 

And there'll always be CAG and the Cabot Fan Club looking for ways for them to delay and avoid collection if they do not abide by the CORRECT laws :D

 

 

Sarah

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Its so nice to see them on the back foot!!! Hope it keeps them awake at night!:D

I have only just started to sleep again :smile:

 

Isn't it a great feeling :D

When you've had all the help you need, make sure you stick around to help others too!

Just think, if everyone left the site after they'd got their help, there might not be anyone left the next time YOU come back needing more assistance!!!!!!!

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i am so grateful there are forums like these its helping me lots I didn't know where to turn!

 

Makes me laugh though

 

"it is important to

recognise that there will always be

rogue customers looking for ways to

delay or avoid payment of debt."

 

What about the people like me that have been trying to pay off my debts and I am being now railroaded with a stat demand!!! by one of these companies that the debts been sold off to!!

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What about the people like me that have been trying to pay off my debts and I am being now railroaded with a stat demand!!! by one of these companies that the debts been sold off to!!

 

Thats 1 of the reasons why DCA's should never be paid a penny unless its sorted out via a county court...they are ungrateful sods who will just kick you when your down by doing things like that or wanting to increase the payments etc...

Be darned with the lot of them :mad:

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Thats 1 of the reasons why DCA's should never be paid a penny unless its sorted out via a county court...they are ungrateful sods who will just kick you when your down by doing things like that or wanting to increase the payments etc...

Be darned with the lot of them :mad:

 

I'm still paying them even though they have issued the stat demand, more so that it might go in my favour when i put in the set aside application

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What about the people like me that have been trying to pay off my debts and I am being now railroaded with a stat demand!!! by one of these companies that the debts been sold off to!!

 

 

DCAs like to think that everyone in debt is a 'won't pay' rather than a 'can't pay'. Imagine working for a DCA; if you were told the truth - that behind debt there is often bereavement, separation, redundancy and illness, and that their executives and their foreign bosses grow rich by preying upon this misery - you would probably not be able to do the job successfully. Many of the phone monkeys and their supervisors are young, greedy and naive; their world doesn't extend much further than their phone cubicle and getting sh1tfaced in a club every weekend.

 

Maynard, the equally odious Herr Obermaier (the current fuehrer of the DBSG), and their ilk, maintain the pretence that people in debt who assert their legal rights are 'rogues' because it suits their purpose to do so. They have become so used to bullying that they will go to any length to portray themselves as proper businessmen. They are irritated by anyone who questions their perceived invicibility.

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An interesting read !!

 

http://www.cabotfinancial.com/download/token/48bfc491e2f81

 

So, when they buy these debts they are hoping to rely on the 1925 property act !!

 

Dream on, don't you think

 

That's handy - I've saved his email address because I'm trying to avoid a debt with Cabot at the moment!

 

Fred

Edited by Fred Bassett

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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that behind debt there is often bereavement, separation, redundancy and illness,

 

The truth as you say.

 

The probably have another name now but underwriters used to refer to these as 'lifetime events' and admit, (behind closed doors), they are the driving factor behind most serious default. Statistically, they can to some extent be predicted and scoring can be tweaked by occupation etc. But that however takes no account of the individual.

 

As a statistician who worked on scoring systems for some major lenders, once pointed out to me,

 

"They may have a big income, brilliant credit record and a fantastic score, but what's the good of that if the b****rd's wife takes him to the cleaners, just after you've lent him a wedge."

 

David

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The first line of the CCA 1974 act says it is for the protection of the consumer. So why cant I use my legal rights as the DCAs do. They have been granted credit licences and as every other licence holder whether it be a driving or a pub licence they must obey the law. As I read in a recent book by a celebrity following their recent bankruptcy people fought for these rights. I hope he calls me a rogue because I will start a new thread about defamation

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The first line of the CCA 1974 act says it is for the protection of the consumer. So why cant I use my legal rights as the DCAs do. They have been granted credit licences and as every other licence holder whether it be a driving or a pub licence they must obey the law. As I read in a recent book by a celebrity following their recent bankruptcy people fought for these rights. I hope he calls me a rogue because I will start a new thread about defamation

 

 

A point a lot of these companies need to realise is that their licenses are a "Privilege" and not a right!!!

 

Rules are also there for these "privileged" companies to adhere to - it's hight time these companies kept to obeying their part of the law that they are governed by.

 

Like the old saying goes "Practice what you preach" comes to mind :D

 

My question is how do these companies bend the rules and regulations the way that they do and expect consumers to just allow it to go on?

 

Doesn't matter whether they call us Rogues, Dilinquents or any other names - we are here and won't allow companies to do this without a fight on our part.

 

All these companies need to do is act responsibly and adhere to the laws and regs too. It's really simple isn't it?

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What they don't realise is that the more this site wins the more info it gets to ensure the right advice is given.

 

I was told by a solicitor that the judges know about the sites......

 

Does that mean they want to close the site down so they can win again by not having to work for their money.

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What they don't realise is that the more this site wins the more info it gets to ensure the right advice is given.

 

I was told by a solicitor that the judges know about the sites......

 

Does that mean they want to close the site down so they can win again by not having to work for their money.

 

 

In a nutshell ' YES ' ! :D

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