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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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    • 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.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
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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.

      Frankly I don't think that is any accident.

      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.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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My understanding is that there are a number of different issues to be aired.

Therefore it is anticipated we will have sep threads for each of those within this sub forum.

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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Excellent Martin, tomtubby suggested on the bailiff forum, that she would be sorting some sub threads with the required topics for the consultation, and it would be helpful if we assist her with translating the legalese in the draft legislation to plain language, so all can understand what is being proposed and a point for discussion. Also the MOJ are looking for a viable definition of vulnerability, so that one is an area we cannot allow the "Enforcement Industry" to dominate, and press their own agenda

 

BN

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The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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I think we need a Sticky at the top of each thread with the "points to raise/views to be considered" bullet pointed in a list. Obv we will have all the comments debating below but things can get lost, this will help further too

 

If the site admins can assist in making this happen, just take a pm and add them in every couple of days OR when someone posts a comment/idea they ask in the post for it to be added with some sort of identifier or someone at the top just edits a post and keep a running list, something like that.

 

good, bad, thoughts?

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If you were to start a thread with the points to raise/view with a link to a thread where discussion could take place on that particular topic.

 

We could then stikky the Topic list

 

I dont think you need more than the one stuck thread :)

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Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. 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.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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So for instance

 

To be stuck and Closed thread - Topics to be discussed

 

A -

Link to A

 

B -

Link to B

 

C -

Link to C

 

D -

Link to D

 

The thread above would be stickied and closed..

 

then you would have individual threads

 

A - Topic

 

B - Topic

 

C - Topic

 

D - Topic

 

I would add a note to each of the individual Topic threads than any off topic post will be removed to the correct forum for discussion.

 

HTH

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Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. 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.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Will start the ball rolling with Vulnerability

We could do with some help from you.

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The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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Something interesting here from the Guardian:

 

http://www.guardian.co.uk/money/2012/feb/17/bailiff-regulations-cost-debtors-more?newsfeed=true)

 

At least someone at CAB has grasped the implication and confirmed my fears and assumptions regarding costs.

 

if you check the article it would also pay to read the comments, as one posted by SharpChip suggested that the threshold for transferring debts up to High Court for a writ of Fi-fa should go up from £600 to £5000. This would stop the likes of Southern Water sending Sherfarce with a writ that increases the debt from £601 to £3,601

 

i would suggest all Caggers respond to this consultation, and hopefully the sub headings from tomtubby will be ready later so we can put a structure to this and make CAGs contribution to the consultation meaningful and an accurate indicator of what should be the outcome.

We could do with some help from you.

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The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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Brassnecked....I will respond to your link shortly but in the meantime, any thoughts on the following sub headings:

  • Amendments to the National Standards for Enforcement Agents
  • Discussions regarding the proposed Fee Scale
  • Vulnerable groups and defining "vulnerability"
  • Discussions regarding "exempt items" and time and dates of visits
  • Proposals regarding High Court Enforcement debts
  • Discussions regarding a Regulatory Body/Complaints procedure

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Brassnecked....I will respond to your link shortly but in the meantime, any thoughts on the following sub headings:

 

  • Amendments to the National Standards for Enforcement Agents
  • Discussions regarding the proposed Fee Scale
  • Vulnerable groups and defining "vulnerability"
  • Discussions regarding "exempt items" and time and dates of visits
  • Proposals regarding High Court Enforcement debts
  • Discussions regarding a Regulatory Body/Complaints procedure

 

they seem fine to me TT, the main thing is to draw out the opinions and ideas, so those headings should fit the bill without people digressing off topic too much

We could do with some help from you.

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The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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they seem fine to me TT, the main thing is to draw out the opinions and ideas, so those headings should fit the bill without people digressing off topic too much

 

If you think someone has moved off topic.. just yell and ask a ST member to move it for you :)

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

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. 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.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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If you think someone has moved off topic.. just yell and ask a ST member to move it for you :)

 

Will do, I'm sure tomtubby will, as this one is so important to get right, it has the potential to raise the profile and influence of CAG in a really positive way.

I think we should let tomtubby point the way with this one as she will be able to draw the most useful information out from the posts, and put them into the correct context.

Edited by brassnecked

We could do with some help from you.

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The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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There are many other categories to include the right to forced entry etc but I am sure that the above 6 sub headings should do for now.

 

Between now and tomorrow, I can make introductory notes for each sub heading and hopefully, posts can start to be made sometime tomorrow.

Edited by tomtubby
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This looks really great. I cant wait to see this start to take shape

 

ST - Is there any way for a link/header to be put at the top of a Start Thread for someone to see. Which would off course would have "Once you have finished your initial enquiry please go here...." Try and get everyone here to read and contribute

 

They would then see TT introductions and key points and then get into the swing off it?

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There are many other categories to include the right to forced entry etc but I am sure that the above 6 sub headings should do for now.

 

Between now and tomorrow, I can make introductory notes for each sub heading and hopefullys posts can start to be made sometime tomorrow.

 

These will be fine, as the list can be fine tuned and the others, like the forced entry can be addressed and added in once there is flesh on the other bones so to speak, as there are 12 weeks, so it will pay to focus on these first, and add the others in. to make sure all are addressed in the light of the questions posed on the consultation itself. this will add value to the CAG material, when submitted. or MOJ people and MP's who a view the forum, when we ask them to look at the evidence themselves from a "live" response to the issues, as I'm sure Mrs Green-Jones and the other "vested enforcement industry interests" will be sneaking a look, if not even posting. as bailiffs have done before on topics.

Edited by brassnecked

We could do with some help from you.

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The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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  • 5 months later...

I think that it is time there was an Ombudsman specifically to deal with bailiffs and with the power to punish bailiffs and their companies. But I do mean proper accountability

and not just slaps on the wrist which do nothing to send a message to other baiilffs to get their act in order.

There can be a discussion as to what behaviour is unacceptable-such as claiming to work for the council: adding inflated fees: taking unauthorised monies from bank accounts:

lying as to their powers both to the public and the police: threatening things they cannot do ie getting locksmith: not backing off when confronted with vulnerable people:etc etc

 

The level at which cases can be taken to the High Court should be raised to at least £5000.

 

There should be a set minimum compensation for people who have been mishandled by the bailiffs and the company that used them.

 

I understand that at present, their initial fees may be too low which encourages them to invent charges.I do think £305 is a ridiculous increase, totally inequitable and unjustifiable,

especially as they have access to many other charges that they can lawfully apply even after that proposed initial charge.Legislators have to understand that the job of the bailiff

is to recover money for the creditor, so the more the bailiff is allowed to charge, the longer it takes for the creditor to get paid.

 

All their fees should be much more transparent and none should be at the discretion of the bailiff or the bailiff company.

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Another point is to discuss the relationship between some police forces and bailiffs. Why are some helping the bailiffs with ANPR work while other[ie most] Police

officers seem unaware that when bailiffs go beyond the lawful boundaries, then the matter can go from being a civil matter to a criminal one.

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Another point is to discuss the relationship between some police forces and bailiffs. Why are some helping the bailiffs with ANPR work while other[ie most] Police

officers seem unaware that when bailiffs go beyond the lawful boundaries, then the matter can go from being a civil matter to a criminal one.

 

The police seem blissfully unaware that when this happens, if they have "actively assisted" the bailiffs in their criminal act either as a result of ignorance, or believed the bailiffs take on the Brothers Grimm; and helped them gain entry or sieze goods then they are criminals themselves at that point, for possible aggravated burlary, or some other criminal charge.

We could do with some help from you.

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The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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