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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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DWP Chasing 20 year old alledged Crisis Loan? - **RESOLVED **


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no mine too

 

I suspect a nice little DCA sent one of those demands scanned up.

 

usual MO,

 

 

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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All seems dwp legit. Even used saynoto0870 to find landline numb. Called and Defo Gov dept.

 

Ignore or follow up for the equivalent of a dwp CCA?

 

Mistaken identity is my thought.

Really ....

 

Your soon find out when you apply for any state benefits,including state retirement pension and they start deducting the money you owe them from your week payments !

Edited by 45002

Please use the quote system, So everyone will know what your referring too, thank you ...

 

 

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  • 1 month later...

Got this the other day.

I requested my employment details for 1993 from the NI archives.

The alleged date that this crisis loan was taken out was 23rd April 1993. I was pretty sure I was in employment on that date and I'm assuming if that's the case you cannot apply for a crisis loan?

Is this letter definitive enough?

Edited by tc5712
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that's 1993 docs

 

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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Got this the other day.

I requested my employment details for 1993 from the NI archives.

The alleged date that this crisis loan was taken out was 23rd April 1993. I was pretty sure I was in employment on that date and I'm assuming if that's the case you cannot apply for a crisis loan?

Is this letter definitive enough?

 

Unless I'm missing something, I don't think that proves that you were in employment on that specific date. :/

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  • 1 month later...

Welcome akinika! Feisty little buggers formerly Iqor I believe?

 

They first called Friday eve & a tart 'only in writing' soon got rid of him but then a second call came this morning!

 

Me: "You called me last night and I said only in writing"

Them: "We've sent you a letter, you may not have received it yet"?

Me: "So why are you calling after I said only in writing"? "This is now the second call, times and dates are being logged, if you call again I will raise a complaint of harassment"!

Them: "You can't do that Sir"

Me: "Oh, can't I"? "Only in writing please, do you understand"?

Them: "And when you receive the letter, you will act on it then"?

Me: "No". CLICK

 

I know I should have just hung up after 'only in writing' but I love to hear them squirm and hang themselves.

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Got this the other day.

I requested my employment details for 1993 from the NI archives.

The alleged date that this crisis loan was taken out was 23rd April 1993. I was pretty sure I was in employment on that date and I'm assuming if that's the case you cannot apply for a crisis loan?

Is this letter definitive enough?

 

Sorry, typo in earlier post. 1993 is correct.

 

Welcome akinika! Feisty little buggers formerly Iqor I believe?

 

They first called Friday eve & a tart 'only in writing' soon got rid of him but then a second call came this morning!

 

Me: "You called me last night and I said only in writing"

Them: "We've sent you a letter, you may not have received it yet"?

Me: "So why are you calling after I said only in writing"? "This is now the second call, times and dates are being logged, if you call again I will raise a complaint of harassment"!

Them: "You can't do that Sir"

Me: "Oh, can't I"? "Only in writing please, do you understand"?

Them: "And when you receive the letter, you will act on it then"?

Me: "No". CLICK

 

I know I should have just hung up after 'only in writing' but I love to hear them squirm and hang themselves.

.

 

The document you posted in #29

 

Doesn't prove anything really

 

And #33 !

Please use the quote system, So everyone will know what your referring too, thank you ...

 

 

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.

 

The document you posted in #29

 

Doesn't prove anything really

 

And #33 ?????

 

Hmmm 45002, I was labouring under the false understanding that if I could prove I was working on the date of this crazy alleged debt I could prove it was nothing to do with me.

I have since found out that at the time a 'crisis loan' could be obtained even if you were in work.

 

Not sure what you're getting at with the attachment in post #33? That the letter I got today from akinika?

 

TC

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whichever way it turns out DO NOT EVER PAY A DCA FOR A GOV'T DEBT

 

they DO NOT and WILL NEVER OWNTHE DEBT.

 

if you owe it

the only thing that can happen is 'eventually' they take a small regular payment out of any future benefits.

 

its up to you really what you do.

 

if you do find that you did have the loan

and there is a balance outstanding

 

theres nothing to stop you paying them sooner so's benefits aren't dipped into in later life.

 

don't forget this will Never be a priority debt anyhow

 

so minimal payments once you start.

 

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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whichever way it turns out DO NOT EVER PAY A DCA FOR A GOV'T DEBT

 

they DO NOT and WILL NEVER OWN THE DEBT.

 

dx

 

Thanks dx,

 

What tactic should I employ to remove akinika from the equation? They're defo not getting a penny!

 

TIA

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silence

 

do nothing they'll give up

 

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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  • 3 months later...
  • 2 years later...

Ring or write and complain

Get a free DWP sar running

Its on their website

Make then prove their data

Ask your employer to stall or ignore if they can

As its in dispute

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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This also happened to me as well,

DWP sent attachment to my employer for £235.00,

It was for a loan from 2001.

Never had any paperwork - my employer had to take deductions,

due to timescales paid in full,

wrote to the DWP as to date they have never replied

and now give up in getting my money back bunch of crooks the DWP

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This also happened to me as well, DWP sent attachment to my employer for £235.00, It was for a loan from 2001. Never had any paperwork my employer had to take deductions, due to timescales paid in full, wrote to the DWP as to date they have never replied and now give up in getting my money back bunch of crooks the DWP

 

So make the Data Protection Subject Access Request which is free with DWP and ask for written proof of the particular debt. If they can't provide it, make a formal request for a refund to DWP head office and if no joy get your local MP involved.

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'Prove it' letter (CC company payroll dept) plus SAR to DWP all ready to be sent off Monday morning.

 

Any suggestions for wording to send to payroll (I can easily email) to make sure it's stalled until resolved?

 

TIA

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Kinda broke the golden rule by giving them a call,

(In my defence they're not a DCA) just to make sure they got the letter and what they're going to do about it really.

 

Actually got through to a really helpful bloke who, after I explained the supposed reasons for said alleged Social Fund loan, (to recap, 1993, I would have been 22, single, living in a bedsit and it was for bunk-beds) he agreed that something didn't seem right.

 

We came to an arrangement that involves him forward dating to October and him sending me a bank giro bill for £44. This will put a stop on the AOE order and give them time to investigate.

 

If nothing else it's stalled for a couple of months and I'll wait and see what, if any proof DWP will provide.

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if you mean rang the DWP

no harm in that at all

 

 

sounds like you might be getting it sorted.

 

 

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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if you mean rang the DWP

no harm in that at all

dx

 

Thanks DX.

 

 

I kinda think I'm delaying the inevitable though.

 

 

If they've done what they've done so far with no evidence,

(and how can there be? Being 1993 they would have destroyed records by now)

 

 

I think they will just steamroller this farce through eventually even when they can't find anything :mad2:

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so what is the bill for £44 they are sending?

 

Should they steamroller through and enforce this via a DEO then refer to post #43

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  • 3 weeks later...

so does it prove their claim?

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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