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    • Wait for more replies, but that letter to me can be interpreted as a letter before action. Ignoring it can have consequences. The court to impose sanctions for failure in responding to a letter of claim.
    • I'm still pondering/ trying to find docs re the above issue. Moving on - same saga; different issue I'm trying to understand what I can do: The lender/ mortgagee-in-possession has a claim v me for alleged debt. But the debt has only been incurred due to them failing to sell property in >5y. I'm fighting them on this.   I've been trying to get an order for sale for 2y.  I got it legally added into my counterclaim - but that will only be dealt with at trial.  This is really frustrating. The otherside's lawyers made an application to adjourn trial for a few more months - allegedly wanting to try sort some kind of settlement with me and to use the stay to sell.  At the hearing I asked Judge to expedite the order for sale. I pointed out they need a court-imposed deadline or this adjournment is just another time wasting tactic (with interest still accruing) as they have no buyer.  But the judge said he could legally only deal with the order at trial. The otherside don't want to be forced to sell the property.. Disclosure has presented so many emails which prove they want to keep it. I raised some points with the judge including misconduct of the receiver. The judge suggested I may have a separate claim against the receiver?   On this point - earlier paid-for lawyers said my counterclaim should be directed at the lender for interference with the receiver and the lender should be held responsible for the receiver's actions/ inactions.   I don't clearly understand that, but their legal advice was something to do with the role a receiver has acting as an agent for a borrower which makes it hard for a borrower to make a claim against a receiver ???.  However the judge's comment has got me thinking.  He made it clear the current claim is lender v me - it's not receiver v me.  Yet it is the receiver who is appointed to sell the property. (The receiver is mentioned/ involved in my counterclaim only from the lender collusion/ interference perspective).  So would I be able to make a separate application for an order for sale against the receiver?  Disclosure shows receiver has constantly rejected offers. He gave a contract to one buyer 4y ago. But colluded with the lender's lawyer to withdraw the contract after 2w to instead give it to the ceo of the lender (his own ltd co) (using same lawyer).  Emails show it was their joint strategy for lender/ ceo to keep the property.  The receiver didn't put the ceo under any pressure to exchange quickly.  After 1 month they all colluded again to follow a very destructive path - to gut the property.  My account was apparently switched into a "different fund" to "enable them to do works" (probably something to do with the ceo as he switched his ltd co accountant to in-house).   Interestingly the receiver told lender not to incur significant works costs and to hold interest.  The costs were huge (added to my account) and interest was not held.   The receiver rejected a good offer put forward by me 1.5y ago.  And he rejected a high offer 1y ago - to the dismay of the agent.  Would reasons like this be good enough to make a separate application to the court against the receiver for an order for sale ??  Or due to the main proceedings and/or the weird relationship a borrower has with a receiver I cannot ?
    • so a new powerless B2B debt DCA set up less than a month ago with a 99% success rate... operating on a NWNF basis , but charging £30 to set up your use of them. that's gonna last 5mins.... = SPAMMERS AND SCAMMERS. a DCA is NOT a BAILIFF and have  ZERO legal powers on ANY debt - no matter WHAT its type. dx      
    • Migrants are caught in China's manufacturing battles with the West, as Beijing tries to save its economy.View the full article
    • You could send an SAR to DCbl on the pretext that you are going for a breach of your GDPR . They should then send the purported letter of discontinuance which may show why it ended up in Gloucester and see if you can get your  costs back on the day. It obviously won't be much but  at least perhaps a small recompense for your wasted day. Not exactly wasted since you had a great win  albeit much sweeter if you had beat them in Court. But a win is a win so well done. We will miss you as it has been almost two years since you first started out on this mission. { I would n't be surprised if the wrong Court was down to DCBL}. I see you said "till the next time" but I am guessing you will be avoiding private patrolled car parks for a while.🙂
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      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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Welcome finance - what can i reclaim/dispute


Sand-Dancer0191
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First a big HI :D to everyone.

 

Now this is my first post so please bear with me as I am still reading all this imformation (what a goldmine).

 

NOW just to get started I would like some advise on the following:

- I have 2 outstanding debts,

one is a loan

the other is a credit card.

 

Both debts have been paid at a nominal rate (loan 9yrs & card 7yrs)With interest frozen.

 

I have been told that I could have these debts cancelled...

 

.Is this true..If so how and on what grounds???

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Hi sand-dancer0191 and welcome to cag:)

 

Please read and feast on the treasure trove of information cag has.

 

The debts will not be cancelled but you can check to see whether they are enforcable or not by sending a CCA request. All the template letters are here and if you have any questions just ask away:)

 

Who are the debts with?

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The debts would only be 'cancelled' if statute barred which i understand to be no contact (i.e payment) for 6 years? I may be wrong in this but im sure someone will be along to help - Welcome to CAG

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

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The debts would only be 'cancelled' if statute barred which i understand to be no contact (i.e payment) for 6 years? I may be wrong in this but im sure someone will be along to help - Welcome to CAG

 

 

Yes if you have not acknowleged the debt for 6 years it becomes statute barred. This does not count for CCJs.

 

If I read your first post right you have been paying these debts for a long time so statute barred will not used in this case.

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  • 3 weeks later...
  • 4 weeks later...

Hi,

I can't locate the judgement but here is the news story behind it. I'll keep looking though.

 

BBC NEWS | Business | Court lets woman off £8,000 loan

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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  • 2 months later...

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Company Details

 

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Name & Registered Office:

DIRECT GROUP LIMITED

DIRECT HOUSE 4 SIDINGS COURT

DONCASTER

SOUTH YORKSHIRE

DN4 5NU

Company No. 02461657

 

 

spacer.gifspacer.gifspacer.gifspacer.gif Status: Active

Date of Incorporation: 22/01/1990

 

Country of Origin: United Kingdom

Company Type: Private Limited Company

Nature of Business (SIC(03)):

6711 - Administration of financial markets

Accounting Reference Date: 31/01

Last Accounts Made Up To: 31/01/2009 (FULL)

Next Accounts Due: 31/10/2010

Last Return Made Up To: 31/01/2010

Next Return Due: 28/02/2011

Last Members List: 31/01/2010

Previous Names: Date of change Previous Name 03/05/1994 DIRECT FINANCE AND INSURANCE SERVICES LIMITED 20/11/1995 THE DIRECT GROUP OF COMPANIES LIMITED 24/10/2002 DIRECT GROUP PLC UK Establishment Details There are no UK Establishments associated with this company. Oversea Company Info There are no Oversea Details associated with this company.

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If a loan was taken out on the CCA 1974 and the declaration was signed to be bound by that act.

 

Should newer loans not state "as amended 2006" or whatever to let consumers know what consumer agreement they are bound to!!!!!!

 

Any thoughts please

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unsure on this as they are still 'based' on cca1974 even if the amendments do govern that agreement....hmm

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

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hmm honestly have no idea that would be something for the legal bods i would think maybe try posting on legalities forum?

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

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