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    • You can't, but you can (and really should) bring up the point that the lender isn't meeting their legal obligations in selling the property for fair market value. You'll have to do this in court, though.     A receiver is bought in by the lender, not you. If they're a registered insolvency practitioner, you may be able to raise a complaint to the insolvency service but there are no guarantees here. Many receivers are also registered with the RICS and self-regulate so if you know the name of the receiver you can check there, again no guarantees.   https://www.rics.org/surveyor-careers/career-development/accreditations/registered-property-receivership-scheme
    • China green-lights mass production of autonomous flying taxis — with commercial flights set for 2025 | Live Science WWW.LIVESCIENCE.COM The EHang EH216-S autonomous flying taxi is the first eVTOL ready for mass production and could lead the way for flying cars around...  
    • Lolerz - I don't understand you.  Rebuked you?   No. I simply replied to your orange comments with legal facts as I know them.  I've already worked through the s42 and s146 issues - over the last 3-4y - and these issues are (mostly) resolved legally.  In terms of posting evidence.  Sure I can post some.  But my most recent questions have been a) how can I enforce a sale before trial?  And b) how can I make a complaint and/or a claim v receiver? (E.g. to which body do I complain?).  At the mo I'm asking for some helpful pointers on those specific questions??  I'm not asking for help with how to prove or present evidence. Fwiw - all evidence for trial has been disclosed (although additions are poss). The lender sent me like 10,000 emails and docs.  There's also 000s of emails, docs, photos, videos, recordings and texts that relate to freeholders/ me.   I read, filed and categorised everything for ease of future reference.  Witness statements and evidence were prepared for trial in the 42 and 146 matters. (now joined with current claim to save duplication).  I've lived the process before.  My current statement and linked evidence has taken like 6 months to draft/ write - to ensure I can succinctly prove my defence and counterclaim points.   Whether I can convince a judge at trial w/o lawyer / barrister is debatable 🙄   But I've prepared.  And continue to try better prepare - which is why I visit this site (and clinics).  This is NOT my business or expertise at all.  I'm just trying.  Not that anyone should ever have to justify why they need help if they ask politely! 
    • Thanks for the other info will also take a look at that.
    • It doesn't use the word reconstructed in the cover letter.  Although, I have just noticed on the cover letter they have asked me to complete a financial statement and offer a repayment within the next 10 days, or they will continue to follow court directions.  They sent a separate letter on the same day advising me they will be continuing with their claim ?  They have done the same for both claims.  Is it worth just doing that - doing the financial breakdown and offering a x amount.    
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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.  

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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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Hi and welcome to the site!

 

I take it you have taken a look at the FAQ'S? Here is the link and you will find step by step instructions on what to do.

 

The first letter you need to send is a DPA (if you don't have all your statements to hand)

 

Letters: http://www.consumeractiongroup.co.uk/forum/forumdisplay.php?f=33

 

FAQ: http://www.consumeractiongroup.co.uk/forum/forumdisplay.php?f=5

 

Good Luck!

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Have you noticed the very first thread in this forum? It says "Halifax Contact Details"

 

It sounds to me as though you may need to spend a bit more time reading the messages to get a feel of how things work before you commence any action.

 

If you don't have all your statements already, request them via the DPA and spend the next 40 days reading the msgs on this site :)

 

Good Luck.

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No, you really MUST read the FAQs - this question is answered there, as, indeed is your first question.

 

It's the bit in red that says "READ THIS FIRST".

 

You are potentially about to start legal action against a company with virtually unlimited funds and with access to huge legal departments.

 

You MUST read the faqs to be fully aware of what you are doing - it isn't a get rich quick scheme and they WILL play dirty.

 

You must also be aware that if you take the bank to court - which the majority of people have to do before their money is returned - IT COULD WELL END UP WITH YOU APPEARING IN FRONT OF THEM IN COURT.

 

You need to know the legalities of what you are doing.

 

Please, please read the FAQ before continuing.

If you feel that we have helped you, or you would like to help keep this web site running so that others can continue to get their money back, please click the donate button at the top of the forum.

Advice & opinions of Dave, The Bank Action Group and The Consumer Action Group are offered informally, without prejudice & without liability.

Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

 

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Add me as your friend on FaceBook - I need all the friends I can get :-(

 

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HI I've just spoken to the bank for my statements and they say i cant claim the money back on my bank account only on credit cards..... what a load of bull!!!

 

They are trying to charge me £5 for each account is this the norm?

 

REgards

 

Andy

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HI I've just spoken to the bank for my statements and they say i cant claim the money back on my bank account only on credit cards..... what a load of bull!!!

 

They are trying to charge me £5 for each account is this the norm?

 

REgards

 

Andy

 

I am sick of the horses**t from the banks their representative has been on ITV lunchime news spouting crap again do they really think they we will give up because they say so.NO NO NO I will fight on.

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HI I've just spoken to the bank for my statements and they say i cant claim the money back on my bank account only on credit cards..... what a load of bull!!!

 

They are trying to charge me £5 for each account is this the norm?

 

REgards

 

Andy

Hi Andy,

 

The question has been answered elsewhere, but I will quickly clarify:

 

You are NOT asking for statements. Your REQUEST is for a full transaction history for the period concerned. If the bank wishes to provide statements in lieu of this history, that is up to them...

 

The MAXIMUM statutory fee for this REQUEST is £10 (per account) - if they mention £X per statement, you must clarify that you are NOT asking for statements, just the history - if they want to send statements then you will accept them as a compromise...

 

Good luck.

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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andy - you are advised to write to the bank for the information under the DPA, telephone calls are often 'forgotten' or simply not acted upon.

 

Please read the FAQ section thoroughly, this will explain why. Not doing so could leave you vulnerable to failure.

..

.

 

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

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  • 4 weeks later...

Think Andy that your next step is the letter before action and in that letter you add that you will accept their goodwill gesture but not as full and final settlement as you will be looking for ALL charges and fees to be refunded to you.

 

I remember this point being answered recently here in this way.

Sorry I cant find it tho...............

 

Sure someone else will verify whether this is correct or not !

 

:)

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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i added this to the lba

 

I calculate that you have added £220.00 to Loan Account X and £90.00 to Loan Account X

 

On 19th May you made me a full and final offer of £70.00 on Loan Account X and £150.00 to Loan Account X. Unfortunately I find your offer of £220.00 totally unacceptable as full and final settlement, although I would accept this as part payment of the charges levied towards me.

 

I require repayment in full of this money. If you do not comply fully within 14 days then I shall begin a claim against you for the full amount plus interest plus my costs and without further notice.

Halifax Credit Card - £408.16 - Settled in FULL 26/6/06

Halifax Loans - £397.97 - Settled in FULL 25/8/06

GE Money Topman £216.75 - SETTLED IN FULL

Marbles LBA - £475.00 - £250 Offered :rolleyes:

Halifax Current Account LBA - SETTLED IN FULL

Yorkshire Bank Current Accounts £2271.77 - Issued 30/6/06 - Default Judgement Issued - Warrant of Execution Requested

Capital One - LBA - £88 Knocked of Balance

Egg PPI - LBA

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  • 4 weeks later...

I've had an offer on one of my accounts of £150 , but nothing off the other ive sent both letters now to both of them , is it time for me to fill in the moneyclaim form? If so can anyone give me any guidance? How long does it usually take after ive done that?

 

Regards

 

Andy

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I've had an offer on one of my accounts of £150 , but nothing off the other ive sent both letters now to both of them , is it time for me to fill in the moneyclaim form? If so can anyone give me any guidance? How long does it usually take after ive done that?

 

Regards

 

Andy

 

Which letters and when and how much time did you give them?

:) Go on ... you know you want to click me :)

:lol:don't be like the banks - give a little back :lol:

:D There was a time before CAG but now CAG is here we are the empowered! :D

In progress:

Mechs and Mother (deceased) V Halifax - N1 form filed at Court 9 Aug 06

Advice & opinions of mechs, The Consumer Action Group and The Bank Action Group are offered informally, without prejudice & without liability. Seek advice of a qualified insured professional if you have any doubts.

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the 1st letter and 2nd letter also the accepting letter of the £150 but will be claiming for the rest they have had over a month now

 

The "preliminary approach" for the refund of charges letter and the "letter before action" letter?

The letter before action letter states 14 days ....is this what time you have given them? their offer was it in full and final settlement did they say?..also you have not given me much to go on as to what you have agreed on....did you accept it as full and final settlement?

 

Have you read the FAQs and gone through some of the threads?

:) Go on ... you know you want to click me :)

:lol:don't be like the banks - give a little back :lol:

:D There was a time before CAG but now CAG is here we are the empowered! :D

In progress:

Mechs and Mother (deceased) V Halifax - N1 form filed at Court 9 Aug 06

Advice & opinions of mechs, The Consumer Action Group and The Bank Action Group are offered informally, without prejudice & without liability. Seek advice of a qualified insured professional if you have any doubts.

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  • 1 month later...

hi........ it seems to take longer when waiting for cheque,i filled my clain online on the 18th july and im still waiting for my money but they only have til the 22rd to pay me.so be patient(ive been pulling my hair out)just keep with it and u wil get ya money...

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Andy dont hit that yet.......:eek:

 

If they dont respond then yes........They have 14 days from when they recieve to acknowledge.

 

Read the hmsc site for all the info

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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