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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?
    • You left the PCN number showing, but no worries, I've redacted it. Euro Car parks are very well known to us.  I've just skimmed through the titles of the latest 100 cases we have with them (I gave up after 100) and, despite all their bluster and threats, in not one have they taken the Cagger to court. You stayed there for 2 hours &:45 minutes.  I'm guessing the limit is 2 hours and 30 minutes, right?  
    • If the claimant fails to draft directions the court can order a Case Management Hearing to set them but normally in Fast Track claims the claimant sets the directions...Unlike small claims track which are always set the court.
    • 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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LTSB Loan/CC/OD


Regulus
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OK, I have been at odds with LTSB for around a year now, staritng shortly after I first became unemployed for a lengthy period.

 

I have a credit card, Overdraft and loan with them, altogether the amount I owe is around the £20K mark.

 

I have been hit with repeated charges on all 3.

 

Loan

 

Right now, I am dealing with a company whose name I forget (I will find my letters from them tomorrow and report back) who contacted me on behalf of LTSB Loans. They have been actually very kind of patient with me, acknowledging my being unemployed and gave me 3 months free to hopefully find work before things would move ahead. They informed me quite politely that they would be able to accept small token payments (starting at £10 pcm) over 6 month periods, gradually raising, and that would be enough for the time being until I am settled in a job where I can afford to pay more. Well I haven't been able to meet that repayment nor timescale, so I know that they will soon start pressing forward with legal action.

 

Where should I go from here? Start with CCA then onto SAR?

 

 

Credit Card

 

Still with LTSB. haven't heard from them in a while, but I was, until my JSA was stopped, paying them £20 pcm and they were content with that. Of course now I can't make that, and they will likely start calling back next month.

 

So, again, CCA then SAR again?

 

 

 

Overdraft. Haven't heard diddlysquat from them about it since my current account was closed down.

 

Should I just wait until they contact me about it?

Unemployed for 225 days, 32 weeks. Here's praying I find work before 40 (at this rate before 40 years old, not 40 weeks :s)

 

vs Capital One: CCA req sent 6/7/09. No reply

vs LTSB Credit Car: CCA req sent 6/7/09. No reply

vs LTSB Loans: CCA req sent 6/7/09. No reply

vs Marehill Finance: CCA req sent 6/7/09. CA recieved 10/7/09

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Hi REGULUS

Sorry to hear about your status at the moment,there are a lot of people in your position at the moment and I was nearly there myself at xmas so I know the debts are the last thing on your mind and quite rightly,hope something turns up for you soon,

 

Regarding the Tsb and your unemployment,they know they cant get blood out of a stone and no judge will be prepared to give them anything more than £1 per week and I have seen a neibour recently get everything wrote off in them circumstances,

 

regarding the credit card send off a cca request and hope the dont(which they wont) send anything in the 12+2 days and then put the account in dispute, how long have you had the card?

Lloyds TSB

section 78 customer care

sussex house

1-9 Glouster place

Brighton

East Sussex

BN1 4BE

 

Send off A sar request for the loan and charges(they will ask for signature to delay) sign it but make it different in some way..ie line through it and in my opinion get someone to write a cheque and give them the £10 as po are hard to trace/chech for being cashed.

 

DSAR team

Lloyds Bank Plc

Charlton Place

Andover

Hampshire

SP10 1RE

good luck and dont worry

gaz

 

 

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Be prepared to not get the imformation you requested straight away keep to the timescales allowed and send letters from the library in order,

start a folder with all letters from them to you and keep a nice paper trail so you can see you have been resonable throughout,dont take any phone calls and keep everything in writing,all the help in addressing the letters will be found on here with the help of others, but if you have been reading up then you already know that;)

 

with the sar you can get back some cash hopefully:D

 

 

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Hi Gary, thanks. From your sig it seems you've been own this road a time or too as well> How are they working out for you?

 

 

Truth to tell, I don't know how long I've had the card, probably about 2 years, possibly 3, not all that long really.

 

So CCA for credit card, and SAR for loan, paid by cheque so I can trace it being cashed.

 

Why deface the signature they request though? Is that too delay proceedings because they will claim forgery or is it to to identify which signatures are true in case they try to copy them onto other docs?

Unemployed for 225 days, 32 weeks. Here's praying I find work before 40 (at this rate before 40 years old, not 40 weeks :s)

 

vs Capital One: CCA req sent 6/7/09. No reply

vs LTSB Credit Car: CCA req sent 6/7/09. No reply

vs LTSB Loans: CCA req sent 6/7/09. No reply

vs Marehill Finance: CCA req sent 6/7/09. CA recieved 10/7/09

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Why deface the signature they request though? Is that too delay proceedings because they will claim forgery or is it to to identify which signatures are true in case they try to copy them onto other docs?

 

some people would say that there are dodgy characters in house that could cut and paste signatures on to a agreement if they wanted.

I couldnt comment:rolleyes:

 

 

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I have been through the bank charges sucessfully before and im disputing various cards,when the agreements came they were unenforcable so now im not paying and havent been since november and ive claim on the charges back too, I have no intension of paying any of them unless they take me to court,which they wont,

 

with the help from this site you will gain knowledge and confidence,just be prepared to do a lot of reading and If your not sure ask,

 

Im not as experienced as a lot of others on here so someone will give you the correct advice.

At the moment I have ppi waiting to come through for a couple of grand and more to come,

 

the idea behind the cca is to give you something to dispute 12+2 days-this will probaly never arrive and you can send the "account in dispute" letter off-that will be the reason to stop paying.(£20)

 

the sar will come up with the agreement-maybe but certainly the charges and any loans +ppi this will give you ammunition for reclaiming your charges back and you should be able to put in a claim for hardship

 

when you dispute the accounts what have you got to lose ,

your probaly skint now anyway and if your missing the token payments your credit rating in going down hill,so make the most of a fight back against these banks and get some money back in the process.

  • Haha 1

 

 

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Anything that buys me another day whilst I am out of work and money is only a good thing. And if I can get some money back in the process, well I turn away form that chance either :D

Unemployed for 225 days, 32 weeks. Here's praying I find work before 40 (at this rate before 40 years old, not 40 weeks :s)

 

vs Capital One: CCA req sent 6/7/09. No reply

vs LTSB Credit Car: CCA req sent 6/7/09. No reply

vs LTSB Loans: CCA req sent 6/7/09. No reply

vs Marehill Finance: CCA req sent 6/7/09. CA recieved 10/7/09

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I too have requested my the cca agreements-did actually get a signed copy of our application in 1982-well done tsb!! had the solicitors threatening letters the debt collection arm of Lloydstsb following the advice and writin all the letter recommended on here has helped so much its been brill-NOW i hav recieved a new line from them they say that i hav quote'' drawn down and repaid debt pn multiple occasion over the years thereby i am acknowledging my agreement is valid'' is this right??????

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I would say not. You'll need this confirmed of course, but it sounds to me like they are trying to get you to openly admit you agree that the agreement is valid. Kinda like they're building up some fuel for if/when this claim goes to courts. But that works both ways, as it certainly seems they are grudgingly admitting that the agreement is NOT valid, thus are trying to get you to say you agreed to the terms presented.

 

My suggestion would be to either ignore the letter or reply saying something along the lines of 'I assumed all was correct and valid as I was led to believe such was the case upon application. Having reviewed my agreement, it is clear I was purposely misled by yourselves and that the agreement signed is indeed NOT valid nor enforceable'.

 

Not sure if that 2nd option would work, but it seems to cover the major sticking point they have chosen.

 

Basically they're trying to argue that by your agreeing and continuously paying them, you agreed that the contract signed was valid. Basically, if you agreed to those terms, you were happy for them, and they feel they're not responsible.

 

If that is the case then, sorry, but it doesn't cut it. Their agreements are not valid by law and any of us who are in this boat have taken up these agreements after being wrongly informed by themselves, making the agreement void.

Unemployed for 225 days, 32 weeks. Here's praying I find work before 40 (at this rate before 40 years old, not 40 weeks :s)

 

vs Capital One: CCA req sent 6/7/09. No reply

vs LTSB Credit Car: CCA req sent 6/7/09. No reply

vs LTSB Loans: CCA req sent 6/7/09. No reply

vs Marehill Finance: CCA req sent 6/7/09. CA recieved 10/7/09

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