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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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Disputed debt after dangerous, shoddy and illegal work


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Hi everyone,

 

I need some advice....

 

About a year ago I hired a gas safe registered plumber toinstall a new boiler, nothing in writing, all verbal agreement. I supplied the boiler and all of the materials. The job was actually carried out by theplumber’s junior, who as it turned out was not Gas Safe registered. I only realised this at the end of the job whenthe junior stated that his boss would return to commission the boiler and dothe paperwork.

I complained in writing tothe plumber about the legality of the work and he lied to me stating that hisjunior had all relevant qualifications but he stopped short of actuallysupplying his junior’s registration number. I also complained that the flue was dripping lots of water to theoutside and that I suspected it was fitted at an incorrect angle.

 

I reported the plumber and his junior to Gas Safe forillegal work and Gas Safe came out and did a safety inspection. The inspector condemned the installation asthere were dangerously high levels of carbon monoxide in the flue. He disconnected the gas supply as the boilerwas too dangerous to use in the state it had been left in by the plumber’sjunior. After over a week without heating and hot water I managed to findanother plumber who was prepared to take on the responsibility of sorting outmy dangerous and defective installation, commission the boiler and sign it off.

 

I was extremely disgusted, upset and angry. I told the original plumber in writing that Ididn’t want him to rectify the work, couldn’t trust him and that I wasn’t goingto pay his bill. I didn’t receive anapology or even any acknowledgement of the appalling service I had experienced.

 

That was 8 months ago but last weekend out of the blue I receiveda letter from a company hundreds of miles away threatening legal action for anoutstanding debt to this plumber for over £800! Far higher than the original quote. I’ve replied to the company briefly outlining the details of the casestating that I do not consider I owe the plumber anything, illegal work, incompletework, dangerous installation etc. I alsosaid that I can prove everything I’ve stated to them.

 

I’ve not heard back yet but I don’t think the plumber has aleg to stand on. What I want to know is,if the original plumber has ‘sold on’ the alleged debt and the company doestake me to court who will I be defending my position against, the company orthe plumber? I suspect the company is a debtcollector but their letter is worded such ‘our client is prepared to take legalaction’ which I don’t think a debt collector would say.

 

Any advice would be greatly appreciated, thanks. PD

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If it was me in that situation then I would write a recorded delivery letter explaining exactly what you have said above and state in no uncertain terms that you have paid to have their mistakes rectified, and that is has cost you £xxx over and above what they quoted and that you are considering a formal complaint to 'gas safe' (or another governing body which may apply). You state that you are also considering making a court claim also...

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I would also involve your local Trading Standards.

 

Stigman

NEVER telephone a DCA

If a DCA rings you, refuse to go through the security questions & hang up!

 

If I have helped you, click on the star & say thank you

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Thanks 42man and Stigman for your replies.

 

I did report him and his employee to Gas Safe, they don't appear to have referred the matter to the HSE.

The inspector said they would but I don't think it happened.

 

I'm tempted to make a counter claim for my costs, stress, hassle etc, if it does go to court.

 

This guy is delusional if he thinks he has a leg to stand on.

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  • 1 month later...

Hi everyone,

 

The latest in this situation is that the debt collector purports that the case has been referred to Northampton county court.

They have completely ignored all of my correspondance.

I have told them that I am more than happy to defend this case in court and look forward to it.

I have not received any paperwork from the court despite being told by the DCA that it was filed on 8th Jan 2013

I have telephoned the court and they say they cannot help as I don't have one of their case numbers.

They advised I contact DCA so I did.

The DCA said that they have the case number but refused to give it to me as it's a matter between myself and the court!

Can you believe these people.

I am concerned that if the paperwork has been lost in the post, that a judgement will be made against me without the chance to present my excellent defence.

 

Help please, I'm so wound up and angry about this.

 

Thanks in advance

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If they've done what they say you will have received court papers from Northampton. If in the unlikely event they have been sent & lost in the post you can apply to have any judgment set-aside.

 

Do you have any communication from Gas safe? If not you could contact them & demand a written response to your original complaint, the outcome & their intention towards the original fitter's registration. You can then use their reply as evidence if need be.

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How did you contact the DCA ? by phone ? or by post ? if you did it by phone, then unless you record the calls they are probably lying....

 

Thanks for your response 42man, all communication had been by letter until I received the threat that the court papers were prepared and would be filed in the next couple of days. I phoned them (witholding my number) and was told it had be filed the previous day, i.e. the same day their letter arrived!

Didn't get a wink of sleep last night I'm so stressed.

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You could send this to the debt collector (recorded delivery)

 

Dear sir

 

Further to your recent communication, I am writing to you to state my position in this matter.

 

You will be aware of the facts in this debarcle (job not done, not registered, poor work etc)

 

If your intention is to initiate court proceedings then I will have no hesitation in defending or counterclaiming to the hilt, and although I have no desire to litigatie via the postal service, when the issue of costs arises I will have no hesitation in producing both this document and previous documents when the issue of costs arises.

 

I trust this makes my position completely clear.

 

yours faithfully

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If they've done what they say you will have received court papers from Northampton. If in the unlikely event they have been sent & lost in the post you can apply to have any judgment set-aside.

 

Do you have any communication from Gas safe? If not you could contact them & demand a written response to your original complaint, the outcome & their intention towards the original fitter's registration. You can then use their reply as evidence if need be.

 

I will certainly apply to have the judgement set aside thanks for that good advice.

 

I have the original report from Gas safe which confirms the defects and how dangerous the installation was. As for what action they took against the plummer they won't tell me. They have said that he would have been reprimanded and that this is all on record. I will certainly produce the Gas safe report to the court as it is very damning.

 

I'm tempted to write (recorded delivery) to Northampton court stating all the details, claimant name, my name, DCA name and that I've not received any paperwork. I would also state I would like to defend this claim. Would this letter assist an application to have a judgement set aside if it is sent before the deadline that the DCA has told me? i.e. It would prove that I've not ignored the purported claim.

 

I feel so strongly that I am the injured party in this case, my family and I have been placed in unnecessary danger.

I am so very angry about all this and it's been going on since the end of 2011 when the boiler was installed.

 

Once again many thanks.

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I would only suggest ringing them however if you can record the calls.....if you do then ask them to confirm that they have applied to Northampton Court for a claim.....(my personal feeling is that they are doing this to frighten you).....

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Thanks again 42man, I have considered taking the plumber to court myself.

It was always my intention to defend the claim and file a counter claim but now I am seriously considering filing my own claim.

I did write to the plumber direct just before christmas warning him that if court proceeding are initiated them I would make a counter claim. He didn't reply.

I think a pre-emptive strike could be a good move.

What shocks me is that he should know I've got plenty of evidence against him, does he really think he has a chance in court!?

It's so outrageous you couldn't make it up!

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