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    • 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?
    • Ok many thanks. Just wanted to check that nothing else for us to do / send for the moment. Will update again once we receive a copy of their N181 and proposed directions for review. Our post is a bit hit and miss at the moment. Appreciate the help through this process.
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      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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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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www.trustonline.org.uk

 

or phone northampton and ask

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 2 weeks later...

hows this going?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Finally done it !!

 

Gone Bankrupt, i know people will struggle to understand why i have done it but after the treatment i have received by Lloyds tsb and specifically Hl interactive, i was in danger of becoming very bitter and letting them poison my life further.

 

The day was surreal got there at 8.30 am had a clerk check the forms they took me down a few floors to the courts and said wait here I'll see if a judge is available, the clerk returned 10 minutes later, it was done !! I did not even need to go in to see anyone.

 

The OR said i can keep my bank account open as its only a very basic cash minder with no overdraft and they will notify my bank of the bankruptcy order. I telephoned my bank the day after and told them everything they said they will stand by me its only people who are bankrupt looking to open an account with them that they could not help.

 

No matter what happens from here on, Please don't condem me my fellow caggers, i feel like a millstone has been taken off my neck.

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well done as its not an easy decision but from the sound of your post you will sleep better,

 

advised from another BK'er.

 

use this as a fresh start

 

too many go BK and then start thinking about how to get loans an build their CR

 

me, wnt BK over 10 year ago - if i dont have the money i dont buy it, have a very very same OD for emergencies but owe noone nothing and going to keep i thay way

 

 

use this as learning experience rather than a credit building experience

 

Ida x

Please contact a member of the site team if you are offered help off the forum for a a paid or no win no fee service.

 

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Thankyou.

 

I fully intend to do the same thing i was only telling my wife yesterday if we haven't got it we save up for it, credit is still too easy to get hold off if you know where to look.

 

It was a big decision but i am glad i don't have to fear the postman walking down the drive anymore

 

Thanks again,

 

Gideonssword.

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Thankyou.

 

I fully intend to do the same thing i was only telling my wife yesterday if we haven't got it we save up for it, credit is still too easy to get hold off if you know where to look.

 

It was a big decision but i am glad i don't have to fear the postman walking down the drive anymore

 

Thanks again,

 

Gideonssword.

 

Welcome to the start of the rest of your life without the nightmares of debts hanging over you for years

Edited by MDK
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gideonssword

You are very welcome, the BK experience is stressful yes, beyond doubt.

The creditors and their associated leeches would really like to bleed you for years if they can and make you a debt slave with a millstone so great you will never for the rest of your life get rid of.

But if you take good advice and don't bury your head... which you do initially it is undeniable and natural.. and go the BK route as best option you will find that the relief to the pain and nightmares is a totally new world you could not have envisioned before.

Do not tread the BK path without careful consideration and advice but it may be the easier and cheaper path in the long term.

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  • 1 month later...

Up to now i have not had an ipa or an ipo.

 

I understand that before discharge its standard procedure for the trustee to check your income and expenditure a second time before discharge.

 

Does the trustee request a certain amount of wage slips?

 

Our income is part benefits and part wages, my contract is on an as and when required basis so some months i may get more income and some months less income.

 

How will they work it out if i need to pay an IPA

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  • 3 months later...

If an early discharge from bankruptcy happens, is it the official receiver or the court who grants the discharge? I also got told from another source to start checking the register after 5 months because there can be a gap of between 4-6 weeks between discharge and the paperwork arriving at your door, that makes no sense to me because it states on the insolvency website that the register can be updated up to 3 months after discharge, can someone enlighten me on these matters please?

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  • 2 months later...

NO,

 

I Keep checking the register daily to see if i have been discharged but my hopes are now fading,

 

I have no job now either so it would of been nice to get an early discharge i am just in a bad place at this moment in time, i really want to see some light at the end of a tunnel.

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  • 1 month later...

Cant believe how fed up i am right now, just 8 weeks until discharge, i am unemployed BUT

 

I turned one job down recently as so close to the end i dont want an IPA and face another 3 years of debt,

 

I have got the Jobcentre on my back trying to get me into work, I am desperate to work but i have come so far now to face an IPA at the end.

 

Anyone got any advice or suggestions?

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  • 2 weeks later...

Is it true that the DWP, the NI office and the Tax office are all put on alert by the official receiver to notify them within days of any changes in circumstances?

 

I am on the verge of being offered a job but i am less than 8 weeks to go before automatic discharge, trouble is if i took the job and did not tell official receiver its a criminal offence.

 

If i tell the Official receiver and get an IPA/IPO which on the expected salary i would then face another 3 years of debt which would be a tragedy as i am so close to the finishing line.

 

Please any advice is most welcome.

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  • 3 months later...

I am 2 months after bankruptcy all going well.

 

My heart sank this morning when I got a letter from aktiv kapital saying I owe them £3600 and if I don't make an offer by 31st of March to repay they will pass the debt on to their agents Empingham.

 

What should my best course of action be? This debt was included in the bankruptcy

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