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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?
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    • 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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Cabot send Vanquis statements but no agreement


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Following more than 2 years of waiting for a copy of my agreement,which has seen CABOT sending me a letter every 28 days saying its taking longer than expected to find,I now have been sent a set of statements (but no agreement)

The letter basically says-ok heres the statements so check the details.

If you now recall opening the account or dispute if further,please call us.

 

 

Anyone else had this tactic used ?

Account is from 2003-2005.

Initial requests from Vanquis to send CCA info were ignored and they sold the account to Cabot in July 2007.

Cabot at that point were asking for £608

There then followed the usual runaround with other DCAs chasing on behalf of Cabot each who I warned off.

 

FIRE in September 2007 asking for £616

 

Robinson Way in May 2008 asking for £647

 

Scotcall in August 2008 asking for £684

 

Now Cabots request is for £780

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Afternoon,

 

I have seen quite a few of these now. They seem to think that by sending these statements proves that the debt is valid.

 

That's not the point of course. We know the debt is there, it's just Cabot's right to collect on it but this is Cabot we are talking about.

 

I'm one of the lucky ones with the muppets as they haven't sent me any statements yet and they aren't bothering me either.

 

It must be the bosses having dicky fits over their losses this year. :)

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Yes they are probably relying on a few bad calls that some Judges have made.

 

One that sticks in my mind is the case where a credit card was produced in Court after the guy had sent it back.

The Judge asked him "Is that your card and your sig on the back ?"

He said "Yes it is"

Judge then took this as evidence that the account did exist and the case went AGAINST him.

 

Theres been other instances where Judges have asked if they admit to having the money-seemingly ignoring the fact that the DCA or OC have failed to produce agreements.

 

It therefore appears to be hit and miss...with some Judges favouring trying to get clarity from the debtor /alleged debtor directly.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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I have had this approach from 1st (Lloyds loan) and capquest (overdraft). I believe it is a common tactic. 1st even sent the statements recorded delivery, about 50 pages all printed off their infamous CD's and about as legally relevant as Bart Simpson's skateboard.

 

My reply has been quite simple. I do not have a clue what you are talking about please send relevant agreements with the same account numbers on.

 

My view would be that you dont recall opening the account and you still dispute it just the same - so there's no need to contact them :D.

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Hi Martin

 

I have had EXACTLY the same as you.

 

I sent the CCA request nearly 18 months ago, just got a load of statements and the 'you now owe us this money' letter.

 

No CCA, no money.

 

Jogs

 

Yep Jogs my thoughts exactly.

When I first joined CAG I had 5 defaults on my credit file-this is the only one now remaining.

 

 

Thanks all for your replies-so it does seem that they (and others) appear to think that providing statements entitles them to pursue recovery.

 

Will report back after putting something together to respond.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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In that case, it sounds to me like cabot just found a CD in a drawer with a load of statements on it! When they 'buy' a job lot of debt basically all they get is a few cd's / dvd's with all the info on it for each account.

 

True HB-tho in last 18 months/2 years or so they have tightened things up a little.

Its prob accounts pre 2006/2007 that they appear to struggle with providing info for.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Erm....well certainly not mine;)

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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