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    • 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.🙂
    • It is extremely disappointing that you haven't told us anything about the result of the hearing. You came here at the very last minute and the regulars - all unpaid volunteers - sweated blood trying to get an acceptable Witness Statement prepared in an extremely short time. The least you could have done is tell us how the hearing went, information invaluable for future users. Evidently not.
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    • Hello,

      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.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

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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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Private and Commercial re-possession (voluntary surrender)


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Hi, I have today received a Notice of default sums from my car finance company, namely Private & Commercial Finance Company. The letter states that "Pursuant to section 86E ot the Consumer Credit Act 1974, they are charging me £10.00 for a letter sent out to me!! I have checked the CCA 1974 only to to find that Section 86 deals with "The Death of Hirer or Debtor". As I am very much alive and kicking..So I have asked them to refund any charges applied under this act.

 

I would appreciate any help guidance in this manner.

 

keltyboy

Edited by keltyboy
wrong forum

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REgards... Remember to Support Our Troops :lol:

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its a loan so you can reclaim any charges they have levied on you + int

just use the normal process

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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  • 1 year later...

I have a car on finance with PCFCL Last year I got into arrears and when an agent of the company called at my house, I allowed him access, and under duress, before paying the arrears to him I was asked to sign a Voluntary Surrender form. I then paid the arrears to this agent. Since then I have due to loss/change of employment again fallen into arrears what with the high interest rate and charges levied against me. I know owe 1200 in arrears, I have made an offer to pay an extra 200 per month, but this has been declined out of hand. The person on the telephone, asked if I had any savings to settle the finance just now. They were looking for 4000.00 and the account would be closed. I have had a call from a car re-possession company who are coming to collect the car tomorrow. I don't wish to loose the car is there any advice that can be given to me before tomorrow.

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REgards... Remember to Support Our Troops :lol:

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Hey, what a nightmare, I hope you don`t lose it... If you have a garage I would keep the car in there!!! Regardless of what they say, unless they have a court order they can not enter your property.... A drive is also considered your property, although I would feel more comfortabe with it in a garage.... I believe that when they apply for a court order, you will have a chance to make an offer to them via the courts... Hope that helps... Im in a similar boat just now tbh... Chin up.

 

Jamie

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Unfortunately they have this voluntary surrender form/letter. so I don't know how it stands however I will give them the no callers letter and see where it goes from there. Thanks for the positive thinking.

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REgards... Remember to Support Our Troops :lol:

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if you paid the arrears at the time then the voluntry surender is null and void

 

why would they ask you to sign it then take the arrears off you

 

dont allow them access to he propety without court order

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if it is an HP contract and you paid half or more of the total, you can hand the car back and owe nothing more.

however if you want to keep the car you will have to come to some form of agreement with them to pay off the remainder, a court may decide what is reasonable.

Agree dont let them take the car until you decide what to do, and cant without a court order on private land, but from what ive read on here the police are not much help.

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Hi, How did you get on?? Hopefully you got something sorted?? I would like to think that regardless to any other doccuments, to enter your private property a DCA/Repo would need some kind of warrent or court order. Anyway hope you got on ok, its no a great sittuation to be in. All the best

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  • 1 month later...

Sorry to have taken so long to get back to you all, thanks for the advice. I posted on here too late to get anything done, as the car was repossessed by two males (who even scared my dog.) the next day, I tried to use the refusal of entry to property letter but that was treated with derision by the "Licensed Debt Collector" , who looked like he eats steroids for meals 3 times a day. (he made me look small and I am 6ft 2ins). I am now waiting on being told the outstanding amount to pay then I will negotiate repayments to suit me.

Success with PPI from Welcome Finance

 

REgards... Remember to Support Our Troops :lol:

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Sorry to have taken so long to get back to you all, thanks for the advice. I posted on here too late to get anything done, as the car was repossessed by two males (who even scared my dog.) the next day, I tried to use the refusal of entry to property letter but that was treated with derision by the "Licensed Debt Collector" , who looked like he eats steroids for meals 3 times a day. (he made me look small and I am 6ft 2ins). I am now waiting on being told the outstanding amount to pay then I will negotiate repayments to suit me.

 

Im know professional here but if its taken off your private property and you refused them entry then they are trespassing and they have stolen the car report them to the police dont be put off by the this is a civil matter if they say that contact the ipcc

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Sorry to have taken so long to get back to you all, thanks for the advice. I posted on here too late to get anything done, as the car was repossessed by two males (who even scared my dog.) the next day, I tried to use the refusal of entry to property letter but that was treated with derision by the "Licensed Debt Collector" , who looked like he eats steroids for meals 3 times a day. (he made me look small and I am 6ft 2ins). I am now waiting on being told the outstanding amount to pay then I will negotiate repayments to suit me.

 

i need you to be honest

 

confirm you refused entry and they ignored

 

did you sign any vehicle defect report etc at time of the repossession

 

they have committed an offense under s.92 of the cca 1974 and breach of statutory duty

 

start planning your hols in Barbados but please be honest

 

what details did the debt collectors/repo people leave as to there identity

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Id say you had a good chance of going to court and winning there are experts on here that can help you but like i said im no expert but its looking like the finance company have broken every rule including crimimal in the book.

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two threads on same debt merged

 

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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Share on other sites

You could have a good claim here. On the assumption that this is a regulated hire purchase/conditional sale agreement and you had paid more than one third of the total purchase price, they can only repossess the vehicle with either a court order or your consent. Of course, you initially gave consent by signing the VS form, but the key is that that consent is revocable. In other words, it still has to exist at the time of repossession. In the circumstances you describe, it is highly arguable that you had withdrawn your consent when they took the vehicle (otherwise why would you deny them access?). If they did repo without your consent, then the good news is that the CCA requires them to repay you everything you have paid under the agreement, including your deposit - so effectively you will have had a totally free car for the time you had it.

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No I wouldn't go straight into an LBA. I'd just write to them advising that they have repossessed the vehicle without his consent, and therefore they are in breach of sections 90/91 of the CCA and invite their proposals.

 

Im new to all this but i would imagine that if they know that you know they have breached a lot of rules including criminal they may well pay out to keep themselves out of court.

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Don't think there's been any criminal activity - can't be a theft because there's no dishonest intention, just a couple of thick bailiffs who don't understand the Consumer Credit Act. I suspect this could well be a windfall for the OP.

 

they were debt collectors (which are civilians)

tresspassing is a criminal offence so is taking the vehicle without consent.

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