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    • Servicing Stop Limited Registered Office Address: 57 London Rd, Enfield, Middlesex, England, EN2 6DU Company Type: Private Limited Company Company Status: Active Company Number: 06558606 Directors: Oliver Joseph Richmond Appointed 8th April 2008, Toby Robert Richmond Appointed 8th September 2009 Companies House Link: SERVICING STOP LIMITED overview - Find and update company information - GOV.UK FIND-AND-UPDATE.COMPANY-INFORMATION.SERVICE.GOV.UK SERVICING STOP LIMITED - Free company information from Companies House including registered office address, filing history, accounts, annual...   Endole Link: Servicing Stop Limited - Company Profile - Endole SUITE.ENDOLE.CO.UK Servicing Stop Limited is an active company located in Enfield, Greater London. View Servicing Stop Limited profile, shareholders, contacts...  
    • Hi I assume the Loft Conversion with the eaves and crawl space was there when you initially purchased the property. Even in done after purchasing the property and the correct permissions were in place i.e. Local Authority, Land Registry, Freeholder which is Southern Land which would be required as a Leasehold property. The difficulty is if the Loft Conversion was there when you purchased the property and there is no evidence in your documents of the eaves and crawl space due to where the Red Lines stop in the plans or even after purchase it was added this is the reason you are having issues with selling due to those missing Red Lines in the Plans and any other Buyers competent Solicitor would flag this up. I can understand the reasons the Buyer wishes a Deed of Variation probably there Solicitor requesting this to ensure those missing red lines are covered before the Sale as they Flagged this as an issue as Red Lines missing on Plans and want buyer protected. As for the £8000 costs Together and cohort Southern Land are trying to charge have you thought of contacting a few Property Solicitors yourself to get a few quotes. (only mention this because when I research this possible costs can range from £500 - £2000 depending on the Deed of Variation work required and nothing to stop you doing this then approaching Together and cohorts with it) Also ask Together/Southern Land for a breakdown of the £8000 costs for the Deed of Variation. Yup do send both Together and Southern Land a Subject Access Request (SAR) requesting 'ALL DATA' that simple phrase covers whatever format they hold that data in whether it be emails, written, recorded calls etc. They then have 30 Calendar Days to respond and that time limit only starts once they acknowledge receipt of your SAR Request. When you purchased the property some 17yrs ago are the Solicitors that you went through at that time still operating? (I know probably a silly question but if they are nothing to stop you contacting them and asking them about this especially if the Loft Conversion was in place when you purchased the property) Another link that will be useful to you as Leasehold is The Leasehold Advisory Service: Home - The Leasehold Advisory Service WWW.LEASE-ADVICE.ORG Government funded, independent advice for residential leaseholders and park home residents  
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    • We have finally managed to obtain the transcript of this case.

      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.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.


      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Blair Oliver & Scott

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or as we refer to them "Bag of Sh---

I had a letter from them on 17th Feb and rang them but they were bullying me into upping my repayment which i cannot afford to do, they would not accept this and said they would take further action, we have had at least a dozen missed calls from them since. I sent off the Subject Access letter which at first they denied receiving until I told them who had signed for it. I have had another letter today threatening me with all sorts and I rang them again, they have agreed to an increase of £1 per month which they would not consider last week but have demanded an income and expenditure list, I have told them they are not legally entitled to ask for this as I believe only a Court can do this and they say If I don't send it they can refuse my offer of payment and take the matter further.

I have told them what will happen if they try to Doorstep Visit but can they force me to provide details, all my finances are joint with my Husband and he refuses to give them his details as it is none of their business.

I would appreciate any advice

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Hi Twyford,


What type of debt is this for? Loan, CC etc? They are not legally entitled to view income and expenditure, I believe it is only a judge whom can view it, and this is only once it gets to court. It seems you are a long way off of that at the moment. I think maybe the first point of call is to get proof of this debt by way of CPR and take it from there, maybe others will be able ot help more.


For all reading, just found this interesting link on BO&S



Edited by BonM
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1st things 1st. Stop calling these twits. Do everything in writing from now on. You do not have to give them Income and Expenditure only a Judge is entitled to see that.


Is this a loan, credit card, overdraft or something else. The more details you can give us then the better we can help.

:cool::cool: Blondmusic :cool::cool:
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Hi Thanks everyone, this was a Bank Of Scotland credit card which I got behind with and they kept adding charges and interest even though I sent them what I could, It finally went to Blair etc in January last year and they write to me very so often to try and bully me into paying more, i told the woman today that I was not legally obliged to give her my Income & expenditure and she said they had the right to refuse my offer of payment if I didn't and take it further.

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Hence why you MUST keep everything in writing only, how are you going to prove that she has said they are allowed to refuse your offers of payment? You can't and when you tell a judge that they said so, they will simply deny it.


Blair Oliver & Snot = Bank Of Scotland


Keep everything in writing from now on, if they ring tell them 'everything in writing' and hang up, keep a record of all their calls,times and dates and amount.


How old is the Credit Card? What is the amount owing, and have they sent you a default notice, or even a termination notice?

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!



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  • 2 weeks later...

I have received today a large package containing all the paperwork alledgedly that BOS hold re my credit card, most of what they have written is total rubbish but there you go. I have seen something somewhere that if the agreement was signed before a certain date and doesn't contain the correct wording I can challenge the debt.

Can anyone tell me if this is correct and what steps I can take now before they start bullying me again

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whilst they have no right to demand your I & E i would suggest that where you are attempting to make an offer, and the more so when you are offering a nominal monthly payment- it is more than reasonable that you supply them with sufficient information to show that you cannot pay anymore than that


If they decline your offer and in court they state that they did so because you would not co operate by showing that this was a genuine offer- you will not be on the judge's christmas card list anytime soon -


IMO you either co operate with them in arriving at agreed payments- which means compromise on both sides...


or you tell them to sod off


you cant have your cake and eat it

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I have been paying them the amount I can afford for over a year and increased it twice because of their bullying tactics, its not that I am not paying them, just their insistance that I keep upping the payment even though my circumstances have not changed

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I have been paying them the amount I can afford for over a year and increased it twice because of their bullying tactics, its not that I am not paying them, just their insistance that I keep upping the payment even though my circumstances have not changed


with respect- if the debt is large and the payments small- they are entitled to think that you might be able to afford to pay mor


all the more reason to prove to them from your I & E that you cannot afford more


it;s your choice but just as you dont HAVE to tell them - so they dont HAVE to accept your reduced payments and/or reduce/cancel interest


ps i take it that what you are paying IS actually reducing the debt?


if not- stop paying

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Hiya, was this a Bank of Scotland Preference Account by any chance?



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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