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    • Peter McCormack says he has secured a 15-year lease on the club's Bedford ground.View the full article
    • ae - i have no funds to appoint lawyers.   My point about most caggers getting lost is simply due to so many layers of legal issues that is bound to confuse.  
    • Lenders have a legal obligation to sell the property for the best price they can get. If they feel the offer is low they won't sell it, because it's likely the borrower will say the same.   Yes.  But every interested buyer was offering within a range - based on local market sales evidence.  Shelter site says a lender is not allowed to wait for the market to improve. Why serve a dilapidations notice? If it's in the terms of the lease to maintain the property to a good standard, then serve an S146 notice instead as it's a clear breach of the lease.   The dilapidations notice was a legal first step.  Freeholders have to give time to leaseholders to remedy.  Lender lawyers advised the property was going to be sold and the new buyer would undertake the work.  Their missive came shortly before contracts were given to buyer.  The buyer lawyer and freehold lawyers were then in contact.  The issue of dilapidations remedy was discussed..  But then lender reneged.  There was a few months where neither I nor freeholders were sure what was going on.  Then suddenly demolition works started.   Before one issues a s146 one has to issue a LBA.  That is eventually what happened. ...legal battle took 3y to resolve. Again, order them to revert it as they didn't have permission to do the works, or else serve an S146 notice for breach of the lease   A s146 was served.  It took 3y but the parties came to a settlement.   (They couldn't revert as they had ripped out irreplaceable historical features). The lease has already been extended once so they have no right to another extension. It seems pretty easy to just get the lawyer to say no and stick by those terms as the law is on your side there.  That's not the case   One can ask for another extension.  In this instance the freeholders eventually agreed with a proviso for the receiver not to serve another. You wouldn't vary a lease through a lease extension.  Correct.  But receiver lawyer was an idiot.   He made so many errors.  No idea why the receiver instructed him?  He used to work for lender lawyers. I belatedly discovered he was sacked for dishonesty and fined a huge sum by the sra  (though kept his licence).  He eventually joined another firm and the receiver bizarrely chose him to handle the extension.  Again he messed up - which is why the matter still hasn't been properly concluded.   In reality, its quite clear the lender/ receiver were just trying to overwhelm me (as trustee and leaseholder) with work (and costs) due to so many legal  issues.  Also they tried to twist things (as lawyers sometimes do).  They tried to create a situation where the freeholders would get a wasted costs order - the intent was to bankrupt the freeholders so they could grab the fh that way.   That didn't happen.  They are still trying though.  They owe the freeholders legal costs (s60) and are refusing to pay.  They are trying to get the freeholders to refer the matter to the tribunal - simply to incur more costs (the freeholders don't want and cant's afford to incur)  Enfranchisement isn't something that can be "voided", it's in the Leasehold Reform Act 1967 that leaseholders have the right to.... The property does not qualify under 67 Act.  Their notice was invalid and voided. B petition was struck out. So this is dealt with then.  That action was dealt with yes.   But they then issued a new claim out of a different random court - which I'm still dealing with alone.  This is where I have issues with my old lawyer. He failed to read important legal docs  (which I kept emailing and asking if he was dealing with) and  also didn't deal with something crucial I pointed out.  This lawyer had the lender in a corner and he did not act. Evidence shows lender and receiver strategy had been ....  Redact and scan said evidence up for others to look at?   I could.  But the evidence is clear cut.  Receiver email to lender and lender lawyer: "our strategy for many months  has been for ceo to get the property".  A lender is not allowed to influence the receivership.   They clearly were.  And the law firm were complicit.  The same firm representing the lender and the ceo in his personal capacity - conflict of interest?   I  also have evidence of the lender trying to pay a buyer to walk.  I was never supposed to know about this.  But I was given copies of messages from the receiver "I need to see you face to face, these things are best not put in writing".  No need to divulge all here.  But in hindsight it's clear the lender/ receiver tried - via 2 meetings - to get rid of this buyer (pay large £s) to clear the path for the ceo.   One thing I need to clarify - if a receiver tells a lender to do - or not to do - something should the lender comply? 
    • Why ask for advice if you think it's too complex for the forum members to understand? You'd be better engaging a lawyer. Make sure he has understood all the implications. Stick with his advice. If it doesn't conform to your preconceived opinion then pause and consider whether maybe he's right.
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Carter & Co / Capital One Finance


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Help! Capital Finance One have passed my outstanding balance to Carter & Co. I spoke to carter & co yesterday and they are threatening me, saying they will come round to my house in the early hours of the morning and take my car and anything else of value, I have offered to pay the outstanding amount in full when I get paid but they said they cant wait that long and I dont know what to do. Im scared they will come to my house and hurt my family. Are they allowed to just turn up and take my car & belongings? My debt is only £300!! They have never written to me or sent me any form of formal communication. Has anyone else had dealings with these people?

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ignore their empty threats. Do they have a CCJ? Has any court action taken place? as for can they come and take your stuff only with warrant issued by court and that is very very last resort. You need to stay of the phone to these jokers you have found out the hard way they are experts in threatening you. First thing is go into letter library here and send off the withdrawal of access to your property then they cant come near you. They turn up and you in any way feel threatened ring police and get them removed. from now you only contact them in writing, dont break the bank to pay them back, if you can afford to pay full amount and it has no impact on you then pay it if not then send what you can afford in a postal order to them.

 

They have less rights to visit your property than the milkman and have as much legal powers as him. I would complain to OFT and Trading Standards about Carter & Co and their threats. Others will offer help too dont worry these clowns aren't coming round any day soon

I know my rights Mr DCA I'm with the CAG......hello hello where you gone Mr DCA8)

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They just claim to be called carter & co. But I can't find them anywhere on the internet. They answer the phone with just "hello" I asked if calls were recorded and the man just laughed and said "as if"

 

Thank you for the advice Padja, I will contact the OFT and trading standards and download the letter. No there has been no court action or CCJ. I told them man i spoke to that I hadnt received any letters from them and he said they had emailed me - I havent received them. He said he would forward them but it would take a few days and by then they will have been to collect what they need to cover the debt, so i shouldnt worry about it. I will try not to speak to them and write a letter instead but they ring my mobile and direct dial at work about 6/7 times a day. Thanks again for the advice :-) it's reassuring as they are very scary and I didnt know what they could/couldnt do.

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This could be Bryan Carter Solicitors...don't worry about them.

Experienced caggers will be along soon who have dealt with him.

In the meantime report these to Tradings Standards tomorrow.

Either ignore or hang up do not speak to them.

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well 'fake' 'for hire' solicitors!!!!!

 

check your CRA file tooo

 

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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Donkey,

You are right,it's not BC.

There is another thread going at the moment about capital finance one which the OP has subscibed to offering advice.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?324095-Capital-Finance-One-Passing-Debt-To-DCA-s-When-Under-Investigation-By-The-Financial-Ombudsman&highlight=carter+co

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Thanks for all the advice guys. Just a quick update spoke to CFO today and apparently the company are called Coen & Co not Carter and Co sorry. Complained about the threats they made to me and have also informed the trading standards who are investigating.

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  • 5 weeks later...

There not a registered company they are people from capital finance one with a made up company name pretending to be door to door debt collectors just ignore them they can not come to your house. They think there bully facts will make up pay.And never give them your debt card details they will clear out your account if you want to make payments to them ask for account detail to do a transfer.

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