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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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    • 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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      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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Starting to face up to reality!!


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Well the last use/payment or acknowledgment

on the BH is Nov 2004 what is the default date

on your file??

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Emm another question what is the company

named as placing the default it is not unknown

for DCAs to claim that the default date is when

they aquired the debt which of course it is not.

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ummm dont think i can get that from credit file info - I just logged back in it doesnt say the debt has been sold on - the Barclays one does - it says The account and liability has been transferred to another company. but god know what company!!

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ummm dont think i can get that from credit file info - I just logged back in it doesnt say the debt has been sold on - the Barclays one does - it says The account and liability has been transferred to another company. but god know what company!!

Which CRA are you using.?

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That is odd.on one main CRA and not the other

and no refernce to a default date.

My opinion now is that you need to do

a Subject Access Request under the Data Protection

Act 1998 to get all the info BH hold on the account.

Default date/last payment date and who owns it now

Cost is £10 they have 40 days to supply the info, use

template in CAG library.

WE may yet get a result on this Paul.:madgrin:

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Hi Pasetos there are a number of anomalies here,

one CRA shows it at assigned to third party, the

other has nothing, with the amount of the BH

account I would expect entries on both.

It means or could mean the default is now past

6 years, (not the same as SB)

SB date is usually at least 1 month prior

to the default date.

It is not impossible that this one is now out of the

picture.

Edited by citizenB

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am I opening a can of worms writing to them?

 

No, all correspondence is headed ''I DO NOT ACKNOWLEDGE ANY DEBT

TO YOU OR ANY COMPANY YOU MAY CLAIM TO REPRESENT''

A lawful request for information is NOT acknowledgment of liability

of the alleged debt.

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Hi Pasetos the ''mythical credit score'' 3 numbers that really are

just meant as a day to day indicator of the likelyhood of you

being granted credit, don't rely on it potential lenders certainly

do not.

It's the account entries/searches/ public info etc you need to

look at.

Particularly any defaults (date of default/date last payment).

On another site you may be ''poor'' or ''good''.

Edited by citizenB

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