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    • It's genuinely amazing how you managed to rebuke pretty much all of my points without giving a single shred of evidence to prove it. When asked for evidence all you claim is that "it's clear cut" but how is anyone here meant to know if you won't show it?   I agree with this. If you can't convince us, how are you going to convince the judges when this inevitably goes to court?
    • This is a ridiculous situation.  The lender has made so many stupid errors of judgement.  I refuse to bow down and willingly 'pay' for their mistakes.  I really want to put this behind me and move on.  I can't yet. 
    • 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? 
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MR T v AKTIV KAPITAL (advice please)


onlymepault
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I wrote to aktiv (on 22/09/06) re a default they placed on my credit record back in 02 asking for copy of the original default notice and deed of assignment.The question is how long do I wait before pursuing this I read trough other peoples threads and is it 12 days and then a further 28 days or just 28 days and then whats the next step :?

This is MY oppinion for what it worth

BARCLAYS BANK LBA 23/10/05 £2,626.67:)MCOL ISSUED 11/11/05

LOMBARD DIRECT LBA + Default removal 25/10/06 £290.50 :grin: Received settlement but they won,t remove default

BARCLAYCARD LFB 10/9/06 £320.00 :cool:

AKTIV KAPITAL LBA DEFAULT REMOVAL letter sent 22/9/06 + 23/10/06 and as yet have had no reply (sent letter to all 3 CRA re-there none compliance):confused:

 

"divant worry aboot what ya owe let them woory that want,s it off ya"

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I wrote to aktiv (on 22/09/06) re a default they placed on my credit record back in 02 asking for copy of the original default notice and deed of assignment.The question is how long do I wait before pursuing this I read trough other peoples threads and is it 12 days and then a further 28 days or just 28 days and then whats the next step :?

 

 

Have a good read of the FAQ and do a search for Aktive Kapital you will find a wealth of information on them.

 

In answer to your question, letter deemed delivered 2 days after posting, then 12 WORKING days and from there 1 calendar month.

 

Hope this helps

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  • 2 weeks later...

I didn,t get a reply from aktiv (no suprise there then) sent then a letter informing them that unless they remove default I will be passing all coraspondance to my brief (so I can add legal cost to my claim)and possibly compensation for additional cost on finance mortgage etc:lol:

This is MY oppinion for what it worth

BARCLAYS BANK LBA 23/10/05 £2,626.67:)MCOL ISSUED 11/11/05

LOMBARD DIRECT LBA + Default removal 25/10/06 £290.50 :grin: Received settlement but they won,t remove default

BARCLAYCARD LFB 10/9/06 £320.00 :cool:

AKTIV KAPITAL LBA DEFAULT REMOVAL letter sent 22/9/06 + 23/10/06 and as yet have had no reply (sent letter to all 3 CRA re-there none compliance):confused:

 

"divant worry aboot what ya owe let them woory that want,s it off ya"

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I also sent a letter to all 3 credit reference agencys informing them off aktivs none compliance and there legal right to place default (i.e. I dont beleive they are in posesion of the nescery documents) I have ask them all to contact AKTIV KAPITAL which will increase the presure and I have asked them to supress/remove the default until the dispute is resolved...sorry for the poor spelling

This is MY oppinion for what it worth

BARCLAYS BANK LBA 23/10/05 £2,626.67:)MCOL ISSUED 11/11/05

LOMBARD DIRECT LBA + Default removal 25/10/06 £290.50 :grin: Received settlement but they won,t remove default

BARCLAYCARD LFB 10/9/06 £320.00 :cool:

AKTIV KAPITAL LBA DEFAULT REMOVAL letter sent 22/9/06 + 23/10/06 and as yet have had no reply (sent letter to all 3 CRA re-there none compliance):confused:

 

"divant worry aboot what ya owe let them woory that want,s it off ya"

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just about to complete N1 not sure what to put on it any advice please:confused:

This is MY oppinion for what it worth

BARCLAYS BANK LBA 23/10/05 £2,626.67:)MCOL ISSUED 11/11/05

LOMBARD DIRECT LBA + Default removal 25/10/06 £290.50 :grin: Received settlement but they won,t remove default

BARCLAYCARD LFB 10/9/06 £320.00 :cool:

AKTIV KAPITAL LBA DEFAULT REMOVAL letter sent 22/9/06 + 23/10/06 and as yet have had no reply (sent letter to all 3 CRA re-there none compliance):confused:

 

"divant worry aboot what ya owe let them woory that want,s it off ya"

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on the grounds it shouldn,t be there in the first place + I dont owe them anything and they have not got the legal right to place default unless they can provide proof that they have legal ownership and a debt does acutly exsit.. OR SHOULD WE JUST SIT BACK AND ACCEPT DEFAULT WITH OUT CHALLANGE :cool:

This is MY oppinion for what it worth

BARCLAYS BANK LBA 23/10/05 £2,626.67:)MCOL ISSUED 11/11/05

LOMBARD DIRECT LBA + Default removal 25/10/06 £290.50 :grin: Received settlement but they won,t remove default

BARCLAYCARD LFB 10/9/06 £320.00 :cool:

AKTIV KAPITAL LBA DEFAULT REMOVAL letter sent 22/9/06 + 23/10/06 and as yet have had no reply (sent letter to all 3 CRA re-there none compliance):confused:

 

"divant worry aboot what ya owe let them woory that want,s it off ya"

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1. You must supply me with a true copy of the alleged agreement you refer to. This is my right under your obligation to supply a copy of the agreement under the legislation contained within s.78 (1) Consumer Credit Act 1974 (s.77 (1) for fixed sum credit). Your obligation also extends to providing a statement of account.:lol:

This is MY oppinion for what it worth

BARCLAYS BANK LBA 23/10/05 £2,626.67:)MCOL ISSUED 11/11/05

LOMBARD DIRECT LBA + Default removal 25/10/06 £290.50 :grin: Received settlement but they won,t remove default

BARCLAYCARD LFB 10/9/06 £320.00 :cool:

AKTIV KAPITAL LBA DEFAULT REMOVAL letter sent 22/9/06 + 23/10/06 and as yet have had no reply (sent letter to all 3 CRA re-there none compliance):confused:

 

"divant worry aboot what ya owe let them woory that want,s it off ya"

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Sorry.. I get confused easily!

 

No they can't register a default if you have not defaulted on an agreement and can apply to have it removed on the grounds that it was incorrectly applied. You need to send a statutory notice under s.10 DPA

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On what grounds are you asking them to remove the default?

 

There is no obligation for them to provide a copy of the default notice or deed of assignment under the CCA.

I have already done this initialy and sent £1 postal, waited 12 days and then 30 and wrote to them again still no reply, your quote contradicts what i have read on other threads....The default they placed for £707 just sayS BANK? I have never had any coraspondace from these people,might be because of a change of address but hey If they have acted lawfuly then you would think that they would at least reply to my recoded delivery and give me some kinda explination or tell me were they got this alledged debt from...:confused:

This is MY oppinion for what it worth

BARCLAYS BANK LBA 23/10/05 £2,626.67:)MCOL ISSUED 11/11/05

LOMBARD DIRECT LBA + Default removal 25/10/06 £290.50 :grin: Received settlement but they won,t remove default

BARCLAYCARD LFB 10/9/06 £320.00 :cool:

AKTIV KAPITAL LBA DEFAULT REMOVAL letter sent 22/9/06 + 23/10/06 and as yet have had no reply (sent letter to all 3 CRA re-there none compliance):confused:

 

"divant worry aboot what ya owe let them woory that want,s it off ya"

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your quote contradicts what i have read on other threads....

 

Always check the law before acting on advice read the Consumer Credit Act s.77 and s.78 no where does it mention the need to provide a default notice or deed of assignment:

 

http://www.passprotect.studio400.me.uk/Consumer_Credit_Act_1974.PDF

 

If you have never had any dealings or correspondence with this company you need to ask the CRAs to remove the data because it is inaccurate.

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Sorry.. I get confused easily!

 

No they can't register a default if you have not defaulted on an agreement and can apply to have it removed on the grounds that it was incorrectly applied. You need to send a statutory notice under s.10 Data Protection Act

 

I SENT THIS s10 DATA PROTECTION ACT WEEKS AGO AND HAVE GIVEN THIS COMPANY MORE THAN ENOUGH TIME .....SITE HELPER eeeerrrrrr ARE YOU SURE SEEMS TO ME YOUR JUST TRYING TO THROW DOUT WHERE THERE IS NONE..and some people might be put of persuing there case with contradictory comments like yours..I have a right to challange this default and have followed every step as per the advice of those more knowladgeable than myself and possibly your self ....so If youv,e nothing helpful or consructive to add the go HELP someone else

This is MY oppinion for what it worth

BARCLAYS BANK LBA 23/10/05 £2,626.67:)MCOL ISSUED 11/11/05

LOMBARD DIRECT LBA + Default removal 25/10/06 £290.50 :grin: Received settlement but they won,t remove default

BARCLAYCARD LFB 10/9/06 £320.00 :cool:

AKTIV KAPITAL LBA DEFAULT REMOVAL letter sent 22/9/06 + 23/10/06 and as yet have had no reply (sent letter to all 3 CRA re-there none compliance):confused:

 

"divant worry aboot what ya owe let them woory that want,s it off ya"

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Always check the law before acting on advice read the Consumer Credit Act s.77 and s.78 no where does it mention the need to provide a default notice or deed of assignment:

 

http://www.passprotect.studio400.me.uk/Consumer_Credit_Act_1974.PDF

 

If you have never had any dealings or correspondence with this company you need to ask the CRAs to remove the data because it is inaccurate.

 

so site helper are you advising me and others to contact CRAs initaly, correct me if I,m wrong but wont they tell you to contact the company WHO placed the default (in my case AKTIV KAPITAL)WHICH IS WHAT i have done or haven,t you read through my thread before you added you 2p worth

This is MY oppinion for what it worth

BARCLAYS BANK LBA 23/10/05 £2,626.67:)MCOL ISSUED 11/11/05

LOMBARD DIRECT LBA + Default removal 25/10/06 £290.50 :grin: Received settlement but they won,t remove default

BARCLAYCARD LFB 10/9/06 £320.00 :cool:

AKTIV KAPITAL LBA DEFAULT REMOVAL letter sent 22/9/06 + 23/10/06 and as yet have had no reply (sent letter to all 3 CRA re-there none compliance):confused:

 

"divant worry aboot what ya owe let them woory that want,s it off ya"

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No they can't register a default if you have not defaulted on an agreement

[edit] THEY CAN AND THEY HAVE!!! (do you want to see my credit report) as to wether I have defaulted on an agreement the ansa to that is NOT TO THE BEST OF MY KNOWLEDGE that,s why I,m doing all this and writting to this company ...you know the one I. mean the one that doesn,t reply to your letters the one that won,t provibe documeted evidence to prove thet debt does exit ergo the have the legal right to place this default in the first place..ar you tryingto wind me up M8

 

Mod note : Personal abuse will not be tolerated on this forum

This is MY oppinion for what it worth

BARCLAYS BANK LBA 23/10/05 £2,626.67:)MCOL ISSUED 11/11/05

LOMBARD DIRECT LBA + Default removal 25/10/06 £290.50 :grin: Received settlement but they won,t remove default

BARCLAYCARD LFB 10/9/06 £320.00 :cool:

AKTIV KAPITAL LBA DEFAULT REMOVAL letter sent 22/9/06 + 23/10/06 and as yet have had no reply (sent letter to all 3 CRA re-there none compliance):confused:

 

"divant worry aboot what ya owe let them woory that want,s it off ya"

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I would suggest, that you show Zoot the respect that he deserves. He is only trying to help you, using his experience and knowledge.

 

You don't have to act on his advice....

Remember if you find anything I say helpful, please click the scales

 

 

tbern123 vs Cabot

  1. Cabot again !!! Urgent Help Needed
  2. Litigation - tbern123 V Cabot Financial (Uk) Limited
  3. No more calls from Cabot... lol

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so If youv,e nothing helpful or consructive to add the go HELP someone else

 

If you don't want help and constructive advice, then don't bother posting on this forum.

 

ar you tryingto wind me up M8

 

There is only one person doing the "winding up" on this thread, mate, and it certainly isn't Zootscoot.

 

 

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  • Confused 1

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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Reign in the language, asterisked out or not. Treat others how you want to be treated yourself.

 

The first thing you have to do is to get proof from them of what they say the debt is. Give them notice that they are to provide proof that there was actually a debt, which you will study and decide whether or not to challenge. Give them 30 days to comply with that instruction. One of two things will happen.

 

Either they will provide what they say is evidence of a debt, in which case you will have grounds to challenge that if you believe there was never any such outstanding debt, or they will fail to respond, in which case you have grounds to challenge them registering a default against you for a debt they cannot (or have not within a fair amount of time) justify exists.

 

In either case, you then have a definate course of action you can take, either when time is up or when you receive their response. Good luck.

 

Please don't abuse the site helpers, they are only trying to clarify things in their own minds before they post advise, they are not taking sides for or against you and certainly don't deserve sarcastic insults.

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Onlymepault-I am sorry that my intervention in your thread has led to a confusion

in which response was to you and which was for me.

 

When Zootscoot said "sorry...I get confused easily", it was said as a joke as

Zootscoot had missed the fact that I had asked the question, rather than you.

Rest assured that if you have Zootscoot helping you, then you are getting top

class assistance.

 

Also the advice to me send a statutory notice under s.10 of the Data Protection Act

was also advice to me.

This is a totally different line of attack than the one that you used at first.

 

You did an S.A.R - (Subject Access Request) asking for details that a debt existed.

The advice I was given under s.10 was to ask them to remove a default which

should not have been placed.

 

You have not yet received the information back from Aktiv to see what their

justification is [ if any]for placing a default.

If you can make your peace with Zootscoot, you will be in a position where you

too will know that you can ask for the default to be removed.

 

In the meantime, in addition to apologising to you for creating a mix up between

you and Zootscoot, I would also like to apologise to Zootscoot for being the cause

of the trouble.

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thank you wisperwolf and lookingforinfo for you constructive comments and advice

This is MY oppinion for what it worth

BARCLAYS BANK LBA 23/10/05 £2,626.67:)MCOL ISSUED 11/11/05

LOMBARD DIRECT LBA + Default removal 25/10/06 £290.50 :grin: Received settlement but they won,t remove default

BARCLAYCARD LFB 10/9/06 £320.00 :cool:

AKTIV KAPITAL LBA DEFAULT REMOVAL letter sent 22/9/06 + 23/10/06 and as yet have had no reply (sent letter to all 3 CRA re-there none compliance):confused:

 

"divant worry aboot what ya owe let them woory that want,s it off ya"

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STILL no responce from aktiv(or should that be INaktiv)kapital,however have received responce fron cra,s Experian were the most helpful They say we are contacting aktiv on your behalf and placing the following on your file "the accuracy of this has been disputed etc etc"...Equifax however won,t do any thing until i have completed there notice of dispute form,,my letter not good enough then? hopfully this action will spur aktiv into responce, Is it true that non-monetery claims cost £120.00

This is MY oppinion for what it worth

BARCLAYS BANK LBA 23/10/05 £2,626.67:)MCOL ISSUED 11/11/05

LOMBARD DIRECT LBA + Default removal 25/10/06 £290.50 :grin: Received settlement but they won,t remove default

BARCLAYCARD LFB 10/9/06 £320.00 :cool:

AKTIV KAPITAL LBA DEFAULT REMOVAL letter sent 22/9/06 + 23/10/06 and as yet have had no reply (sent letter to all 3 CRA re-there none compliance):confused:

 

"divant worry aboot what ya owe let them woory that want,s it off ya"

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