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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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o2 has made my phone worse


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well been having complaints from people on and of for a while now ringing up and phone engaged etc. signal is down to 2 bars on the 2g used to be better but has dramaticly changed since christmas.

o2 claimed that faults with making reciving calls had to be my sim. got new sim put new sim in after activating it and guess what.

fixed the engaged making calls but signal is even worse.

now cant make or recive calls in the house now. great phone.

is there anything i can do to get o2 to sort this out also my o2 pay as you go sim gets better signal in the phone so i kno its not the phone thats faulty.

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Although i acknowledge that you are under the impression that a sim card is responsible for the signal level, i need to clarify that a sim card can play no part in the signal strength. It is only a 'key', so to speak, which logs you onto the network and keeps you logged on. The elements which effect your signal will be your phone itself, the performance of the local transmitter, and any barriers/obstructions between you and the transmitter. An interesting point is that if you were to make a call and your phone was designed in such a way that you could remove the sim card without taking out the battery, then the call would continue uninterupted even if the sim was removed!

 

Anyway, onto a suggestion as to the cause as to why you feel changing sims alters the signal (and i need to make some assumptions here - please correct me if i'm wrong). You have a 3G phone? Perhaps the sim you had as a replacement was a 3G sim (wheras before it wasn't). Therefore, your phone logs you onto the O2's 3G network. However, when you put the PAYG sim in it is 2G and so only logs you onto the 2G network, thus you are noticcing the different strengths of signal between O2's two seperate networks? (or it might be vice-versa, maybe their 3G signal is stronger in your area than 2G).

 

Either way, check if each sim is either 3G (known as a Usim) or 2G and then see if any of what i have suggested explains this. Also, please post your findings. I would love to know if my guesswork is correct!

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both sims where 3g its a nokia n95 8gb and doing some digging i now feal the phone is at fault even tho o2 are trying to blatnetly say that the phone is ok. o2 are up to something as the sim card registration is failing at the min at turn on but was told that will be normal for the next posible 24 hours as they update the networks.

signal is def worse. 3g is a no go up here so 3g is disabled in the phone and allways has been.

only time we change the 3g setting is while we visit people in nottingham as it will hold 3g all the time rather keep swapping 2g 3g.

one thing is i find strange is that the phone holds better calls and better signal with a o2 pay and go sim.

o2 are looking into transmiter data and outages in the area.

also i must say this fault is not just my phone my partners phone same make and modle has simla problems.

only thing im fairly sure of it to me is def the phone

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