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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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Monument PBP refunded to DCA ***WON*** Repaid direct !!


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As the title suggests, I claimed back ppi off a monument account and they have offset it against my debt with Arrow Global who bought the debt about four years ago.

 

I have had no contact with Arrow Global for about four years, but is there any legislation that I can use to force them to pay me by cheque instead of trying to offset against a sold debt to which they are no longer a party to?

 

I have previously claimed credit card charges through court and I got those paid to my bank account so there is previous history there.

If there are spelling mistakes on my posts, I blame the gremlins tapping my keys. :eek:

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barclays actually LOST in court over that recently.

 

have a look in the won section on barclays or barclaycard

 

in a nutshell, they CANNOT do that

 

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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ping slick132

 

he will know

 

i cant find it either.

 

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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Hi Nutter,

 

Barclaycard **WON** cases are here - http://www.consumeractiongroup.co.uk/forum/forumdisplay.php?97-Barclays-BCard-and-Woolwich-successes I don't recall a case where we argued for a refund to be paid to the customer direct, when there was an outstanding balance but no court action. :|

 

If you took court action to reclaim the PPI, the settlement amount should be paid to you direct.

 

If a refund was agreed by negotiation or through the FOS, you may have no right to demand a direct refund and the refund may be used to offset any outstanding balance, even if that is now being handled by a DCA.

We could do with some help from you

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ok, the account has been sold to the dca and i thought this would have made a difference. Would it be possible for me to commence court action to get the refund paid to me?

If there are spelling mistakes on my posts, I blame the gremlins tapping my keys. :eek:

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na i'm gonna have to find it then

 

there is a case where it quoted the judges ruling that the refunded money could not be used to clear the outstanding balance and the judge also said that about the arrears too

none of went off the old debt as it had been sold.

 

i'm sure it was barclays.

 

off to find it .

 

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

Hi Nutter,

 

If the refund of PPI has been agreed between you and Monument, you have no cause of action to make a court claim now.

 

So, if you started a court claim, Monument would say they've already agreed to refund the amount and it has been set off against the outstanding debt. You could then be held liable for the bank's costs in defending your claim.

 

That's my view of your situation but, if anyone disagrees, please jump in and comment.

 

:wink:

We could do with some help from you

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                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

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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

Interesting thread DX. A BC case but not one I'd seen before as it was on the Debt Forums.

 

I've asked VJohn for the source of the text regarding the banks right to Set-Off.

 

:wink:

We could do with some help from you

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EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

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Hi Slick

 

Havent seen the recent activity on here. but I have found the source of off-set information on the financial ombudsman website. Link is as follows:

 

http://www.financial-ombudsman.org.uk/publications/ombudsman-news/40/40_setoff.htm

If there are spelling mistakes on my posts, I blame the gremlins tapping my keys. :eek:

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an agreement no longer exists, they closed the account and sold it

anyhow - BC sold the debt... not the insurance policy

the money goes to you, endof

 

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

I received a letter from the Royal Bank stating they were going to pay £1700 to the DCA to resolve my claim and they wanted me to sign a letter and return it to them. I did not do this, I phoned them and also wrote to them asking for a cheque to be sent to me. They were very good, no problem or argument and recently I received the cheque a couple of days ago.

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  • 2 weeks later...
  • 2 months later...

Just to update wrote to Monument stating about rights of set off etc and today a cheque arrived for 861.00. Result. Thanks once again caggers!

If there are spelling mistakes on my posts, I blame the gremlins tapping my keys. :eek:

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thats great news

 

how does this fair against your claim calc?

 

dx

 

The Consumer Action Group needs help to cover itsexpenses.

You could help by making a money contribution to http://www.consumeractiongroup.co.uk/paypal.php?go=donate

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

Great News Nutter !! :whoo:

 

Thread title changed to reflect your win !!

 

This will encourage others who are in the same predicament with the bank trying to misappropriate their refunds.

 

:wink:

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

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Just to update wrote to Monument stating about rights of set off etc and today a cheque arrived for 861.00. Result. Thanks once again caggers!

 

Hi Nutter192,

I am in the very same situation so I wondered whether you would be willing to post a copy of the letter you sent to Monument?

I know the text you refer to. Did you quote this within your letter or just refer to it?

Would appreciate your input.

Regards

Shelley

Santander PPI X 2 **WON** claims on behalf of son (Oct 2010/ Mar 2011)

Citicard O/H (PPI) - **WON** Compound Interest Dec 2011

Citicard O/H (Charges) Bailiffs sent in August 2012

Barclaycard - **WON** Compound Interest Oct 2011

Monument - account information being sought for OH

Citicard - self - N1 submitted August 2012

Barclaycard - self - **WON** damages for non disclosure/information now rec'd. Aug 2012

Barclaycard - relation - Failed SAR sent 29/09/11

Halifax SAR sent 18/08/2011 for relation

LTSB - SAR sent 09/08/2011 for friend

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donation made to site.

 

will post letter up shortly, moument are usually quite easy to overcome. cant guarantee with other firms but youre welcome to try.

 

Thank you for your recent letter in which you stated that the refund on the above account has been issued to a third party debt collection agency in respect of a debt sold to them by yourselves.

 

I would like to take this opportunity to remind you of the certain conditions that must be met before you can exercise the right of ‘set off’. Firstly the account from which the firm transfers the money and the account from which the money would otherwise have come from must be both held by the same firm. This is indeed not the case as the debt has been sold to Arrow Global and as this is not the same firm as yourselves, you are unable to release the money to this third party.

 

Secondly, I have very good reason to believe that the debt itself is statute barred and as such this cannot be reset by any payment after six years has passed since the last payment or acknowledgement of the debt.

 

I trust that I have made my position clear and look forward to receiving the settlement monies by return. Should you not do so, then I will complain to the Financial Ombudsman about your unreasonable conduct.

 

Not the longest letter in the world. BUt straight to the point.

 

Many thanks for all your help. Trust this information will help others in future.

 

In hindsight I should have referred more directly to where the information for the rights of set off were aquired in the letter and quote the financial ombudsman, so theres a further tip.

 

 

Also the link earlier in the thread to the financial ombudsman is where the right of set off information was found.

If there are spelling mistakes on my posts, I blame the gremlins tapping my keys. :eek:

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Hi Nutter192,

That's a great help thank you so much.

 

I didn't know that your case was SB but I believe it will do the trick if I quote where the information came from. Failing that, I still have another back up plan which I can use but not my best option personally.

 

We also have a Monument case to deal with at some point but the value isn't big but it's worth knowing how they work.

 

Good work on your part. Well done.

 

Thanks again for your letter.

 

Shelley

Santander PPI X 2 **WON** claims on behalf of son (Oct 2010/ Mar 2011)

Citicard O/H (PPI) - **WON** Compound Interest Dec 2011

Citicard O/H (Charges) Bailiffs sent in August 2012

Barclaycard - **WON** Compound Interest Oct 2011

Monument - account information being sought for OH

Citicard - self - N1 submitted August 2012

Barclaycard - self - **WON** damages for non disclosure/information now rec'd. Aug 2012

Barclaycard - relation - Failed SAR sent 29/09/11

Halifax SAR sent 18/08/2011 for relation

LTSB - SAR sent 09/08/2011 for friend

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I would advise that if you are going after ppi. go through court, you are more likely to get a refund straight to you and it avoids the hassle I had in trying to get them to refund me personally.

 

Dont forget to add interest compounded at the rate that you were charged the card at. This is where the high interest comes from on mine.

If there are spelling mistakes on my posts, I blame the gremlins tapping my keys. :eek:

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